WHITELAW WELLS FINANCIAL PLANNING LIMITED

⚰️Wound downdissolved
SC155884 · ltd · incorporated 1995-02-09
Investment thesis
Company dissolved — not a live target.
Why interesting: Historical record only; useful for precedent research.
Why risky: Not transactable.
Why now
Window steady · low confidence
Stable recent picture — watch for any upcoming trigger event.
What changed my view
Last 30 days

No material changes in the last 30 days.

Last 90 days

No snapshot from 90 days ago — start tracking from today.

Last 180 days

No snapshot from 180 days ago — start tracking from today.

🔒Estimated value
—
Upgrade to see
Turnover
—
year to Sept 2025
Net worth
£1.0k
book net assets
Opportunity
58/100
Worth a look
🔔
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What this business does
Primary activity: Financial intermediation not elsewhere classified
Sector: Financial & insurance
Investor take
Special-situation opportunity
Distressed financial-services with salvageable qualities — special-situations priority.

Opportunity 58/100 (worth a look), bankability 80/100. High owner-dependency — earn-out structure likely required for clean transition. Share purchase looks the cleaner deal structure. Biggest value-creation lever: Cash flow review and working-capital discipline. Cash down -99% YoY — forensic review of receivables, stock turns, and creditor days. Most likely exit: strategic trade sale (65/100).

🏦

Refinance opportunity

3 live charges · 2 lenders · oldest 31.1y

30/100
under pressure

Refinance would be pressure-driven, not opportunity-driven. Expect tighter margins and covenant scrutiny.

  • · Oldest live charge is 31.1 years old — likely at or near maturity.
  • · Two lenders — manageable, but coordination required.
  • · Cashflow trend is negative — lender view likely cautious.

Data confidence

Overall: medium (79/100)

Adequate coverage. AI outputs are reliable for the sections scored high; verify the rest in diligence.

Company profile
address, 1 SIC codes, incorporation date
100
Financials
2 years of iXBRL accounts extracted (YoY deltas available) + narrative notes parsed
75
Lenders & charges
3 charges (3/3 with lender, 3/3 with type)
90
Directors & officers
10 officers (1 active, 10 linked, 7 with DOB)
84
Ownership & PSC
1 active PSC(s) of 3 total, 3 with control declared
90
Director network
1 connected companies via shared directors
48
Filing history
114 filings on record
85
Gazette notices
No matching gazette notices (standard for active companies)
60
Opportunity Score
58/100Worth a look
PassWatchWorth a lookStrongExceptional 

Mixed signal. Worth opening the full target workup before deciding to pursue.

Business quality
30
Concerning — overdue filings or status flags present.
Acquirability
55
Some acquirability indicators.
Risk profile
67
Some moderate concerns — review flags.
Signal strength
100
Good data coverage for analysis.

Signals from accounts

Derived from iXBRL accounts · accounting standard not declared
Positive net assets
Net assets £1,001
Very low cash
Cash position: £15
Net assets shrinking
Down £15,933 YoY
Cash draining
Cash down 99% YoY
Cash YoY
-99%
Year on year

Key financials

2 years extracted from filed iXBRL accounts
Cash
£15
↓ 99% YoY
Net Worth
£1k
↓ 94% YoY
Current Assets
£1k
↓ 94% YoY
Current Liabilities
—
£0£3k£7k£10k£14k£17kSept 2024Sept 2025

Hover to see exact values · click legend to toggle series

Financials

Extracted from Companies House accounts · accounting standard unknown
Metric2025-09-302024-09-30
Total assets£1.0k£16.9k
Current assets£1.0k£17.4k
Cash£15£2.4k
Debtors£990£15.0k
Net assets£1.0k£16.9k

Amounts extracted automatically from iXBRL. Fields left blank were not reported or not mapped. Values in GBP unless stated.

🔒Filing-note intelligence

1 signal detected in this company's narrative notes — going-concern language, audit opinion, contingent liabilities, related-party transactions.

Available from the Pro tier upwards.

See pricing →

Recent activity

Last 30 days
0
filings
Last 90 days
1
filing
  • • 1 gazette
Last 180 days
4
filings
  • • 2 gazette
  • • 1 dissolution
  • • 1 confirmation-statement
Counts from Companies House filing history.
Corporate timeline (46 events)Click to expand
  1. 2026-04-14
    📄
    gazette-dissolved-voluntary
    gazette · GAZ2(A)
  2. 2026-04-14
    🏁
    Company dissolved
  3. 2026-01-27
    📄
    gazette-notice-voluntary
    gazette · GAZ1(A)
  4. 2026-01-19
    📄
    dissolution-application-strike-off-company
    dissolution · DS01
  5. 2025-11-21
    📄
    accounts-with-accounts-type-total-exemption-full
    accounts · AA
  6. 2025-01-06
    📄
    notification-of-a-person-with-significant-control
    persons-with-significant-control · PSC01
  7. 2025-01-06
    📄
    cessation-of-a-person-with-significant-control
    persons-with-significant-control · PSC07
  8. 2024-12-06
    📄
    accounts-with-accounts-type-total-exemption-full
    accounts · AA
  9. 2024-10-28
    ➕
    DING, Hun Yunn appointed
    director
  10. 2024-10-28
    ➖
    CHOK, Daniel Ghee Siong resigned
    director
  11. 2024-10-28
    📄
    appoint-person-director-company-with-name-date
    officers · AP01
  12. 2024-10-28
    📄
    termination-director-company-with-name-termination-date
    officers · TM01
  13. 2023-10-27
    ➖
    YIU, Nelson Wai Kwen resigned
    director
  14. 2023-10-27
    📄
    notification-of-a-person-with-significant-control
    persons-with-significant-control · PSC01
  15. 2023-10-27
    📄
    cessation-of-a-person-with-significant-control
    persons-with-significant-control · PSC07
  16. 2023-10-27
    📄
    termination-director-company-with-name-termination-date
    officers · TM01
  17. 2023-10-27
    📄
    accounts-with-accounts-type-total-exemption-full
    accounts · AA
  18. 2022-11-24
    📄
    accounts-with-accounts-type-total-exemption-full
    accounts · AA
  19. 2022-11-23
    ➖
    WHITELAW WELLS resigned
    corporate-secretary
  20. 2022-11-23
    📄
    termination-secretary-company-with-name-termination-date
    officers · TM02
  21. 2022-08-15
    📄
    appoint-person-director-company-with-name-date
    officers · AP01
  22. 2022-08-11
    ➕
    CHOK, Daniel Ghee Siong appointed
    director
  23. 2021-11-17
    📄
    accounts-with-accounts-type-total-exemption-full
    accounts · AA
  24. 2021-05-06
    📄
    accounts-with-accounts-type-total-exemption-full
    accounts · AA
  25. 2020-11-03
    📄
    notification-of-a-person-with-significant-control
    persons-with-significant-control · PSC01
  26. 2017-12-19
    ➖
    MAIN, David Alexander resigned
    director
  27. 2017-08-07
    ➖
    PRATT, John Frank Stamford resigned
    director
  28. 2009-09-30
    ➕
    PRATT, John Frank Stamford appointed
    director
  29. 2009-09-30
    ➖
    WALTERS, Stephen resigned
    director
  30. 2003-10-01
    ➕
    YIU, Nelson Wai Kwen appointed
    director
  31. 2003-09-01
    🔓
    Charge satisfied #3
  32. 2003-08-29
    ➖
    GRIFFITHS-BUCHANAN, Peter Gavin resigned
    director
  33. 2003-08-29
    ➕
    WALTERS, Stephen appointed
    director
  34. 2003-08-11
    🔓
    Charge satisfied #2
  35. 2000-01-19
    🔒
    Charge registered #3
    Lender: The Royal Bank of Scotland PLC
  36. 2000-01-07
    🔒
    Charge registered #2
    Lender: The Royal Bank of Scotland PLC
  37. 1997-12-15
    🔓
    Charge satisfied #1
  38. 1995-04-24
    🔒
    Charge registered #1
    Lender: The Governor and Company of the Bank of Scotland
  39. 1995-02-09
    🏢
    Company incorporated
    As WHITELAW WELLS FINANCIAL PLANNING LIMITED
  40. 1995-02-09
    ➕
    OSWALDS OF EDINBURGH LIMITED appointed
    corporate-nominee-secretary
  41. 1995-02-09
    ➖
    OSWALDS OF EDINBURGH LIMITED resigned
    corporate-nominee-secretary
  42. 1995-02-09
    ➕
    WHITELAW WELLS appointed
    corporate-secretary
  43. 1995-02-09
    ➕
    GRIFFITHS-BUCHANAN, Peter Gavin appointed
    director
  44. 1995-02-09
    ➕
    MAIN, David Alexander appointed
    director
  45. 1995-02-09
    ➕
    JORDANS (SCOTLAND) LIMITED appointed
    corporate-nominee-director
  46. 1995-02-09
    ➖
    JORDANS (SCOTLAND) LIMITED resigned
    corporate-nominee-director

Owner dependency

75/100
High — earn-out structure required

Material founder dependency. Consider a 2-3 year earn-out and build in a handover plan before completion.

FACTORS
  • +Sole director: Only one active director — all governance concentrated on one person.

Succession & seller-readiness

45/100
Moderate signal

Some succession indicators present. Worth watching; approach if sector/strategy fits.

SIGNALS
  • primarySole active director: Only one director in control. No visible successor — buyers solve the succession problem.

Red flags

1 high ·
Company dissolved
high

Company has been dissolved — it no longer legally exists. Any diligence here is historical only.

Evidence: Dissolved on 2026-04-14

Shareholders & ownership

1 active beneficial owner
NameSharesVoting rightsNature of controlNotified
Ms Hun Yunn Ding
Individual · Malaysian · DOB 09/1976 · age 50
——sig. influencesignificant influence28/10/2024
2 historic (ceased) PSCs
  • Mr Daniel Ghee Siong Chokceased 28/10/2024· significant influence
  • Mr Wai Kwen Nelson Yiuceased 27/10/2023· 75-100% shares · 75-100% voting · board control

From Companies House Persons with Significant Control filings. Share ranges are banded per the public PSC regime.

🔒Co-director network graph

Radial SVG graph showing every company connected via shared directors, colour-coded by status.

Available from the Pro tier upwards.

See pricing →

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Peers ranked by estimated value, then turnover, then opportunity score.See all →
🔒Tailored diligence questions

8 specific questions generated from this company's actual signals — liquidity, leverage, director age, charge count, red flags, age-of-company.

Available from the Pro tier upwards.

See pricing →
🔒Advanced scoring suite

Exit-route ranking, improvement thesis, quiet-distress detector, covenant-pressure proxy, extraction monitor, approaching triggers, ownership drift, local cluster, value trap, debt capacity, archetype classification — 48+ scoring modules.

Available from the Pro tier upwards.

See pricing →

Company details

Statusdissolved
Typeltd
Incorporated1995-02-09
Jurisdictionscotland
Primary SIC64999 — Financial intermediation not elsewhere classified

Registered office

9 Ainslie Place
Edinburgh
EH3 6AT

Filing status

Accounts
Next due: —
Last made up to: 2025-09-30
Confirmation statement
Next due: —
Last: 2025-12-31

Officers (0 active · 9 resigned)

DING, Hun Yunn→
director · ~50y · appointed 2024-10-28
View their other companies + combined net worth →
Active
OSWALDS OF EDINBURGH LIMITED→
corporate-nominee-secretary · appointed 1995-02-09 · resigned 1995-02-09
Resigned
WHITELAW WELLS→
corporate-secretary · appointed 1995-02-09 · resigned 2022-11-23
Resigned
CHOK, Daniel Ghee Siong→
director · ~33y · appointed 2022-08-11 · resigned 2024-10-28
Resigned
GRIFFITHS-BUCHANAN, Peter Gavin→
director · ~77y · appointed 1995-02-09 · resigned 2003-08-29
Resigned
MAIN, David Alexander→
director · ~70y · appointed 1995-02-09 · resigned 2017-12-19
Resigned
PRATT, John Frank Stamford→
director · ~70y · appointed 2009-09-30 · resigned 2017-08-07
Resigned
WALTERS, Stephen→
director · ~69y · appointed 2003-08-29 · resigned 2009-09-30
Resigned
YIU, Nelson Wai Kwen→
director · ~64y · appointed 2003-10-01 · resigned 2023-10-27
Resigned
JORDANS (SCOTLAND) LIMITED→
corporate-nominee-director · appointed 1995-02-09 · resigned 1995-02-09
Resigned

Click a director name to see their full track record across all companies.

Mortgages & charges

3
Total charges
0
Outstanding
0
Active lenders
Status:Lender:3 of 3 shown
TypeProperties
satisfied
Lloyds Banking Group
The Royal Bank of Scotland PLC
Standard security1 property19/01/200001/09/2003
satisfied
Lloyds Banking Group
The Royal Bank of Scotland PLC
Bond & floating charge1 property07/01/200011/08/2003
satisfied
Lloyds Banking Group
The Governor and Company of the Bank of Scotland
Bond & floating charge1 property24/04/199515/12/1997

Recent filings (114 total)

gazette-dissolved-voluntary
gazette · GAZ2(A)
2026-04-14
gazette-notice-voluntary
gazette · GAZ1(A)
2026-01-27
dissolution-application-strike-off-company
dissolution · DS01
2026-01-19
confirmation-statement-with-updates
confirmation-statement · CS01
2026-01-06
accounts-with-accounts-type-total-exemption-full
accounts · AA
2025-11-21
notification-of-a-person-with-significant-control
persons-with-significant-control · PSC01
2025-01-06
cessation-of-a-person-with-significant-control
persons-with-significant-control · PSC07
2025-01-06
confirmation-statement-with-updates
confirmation-statement · CS01
2025-01-06
accounts-with-accounts-type-total-exemption-full
accounts · AA
2024-12-06
appoint-person-director-company-with-name-date
officers · AP01
2024-10-28
termination-director-company-with-name-termination-date
officers · TM01
2024-10-28
confirmation-statement-with-updates
confirmation-statement · CS01
2024-01-08
notification-of-a-person-with-significant-control
persons-with-significant-control · PSC01
2023-10-27
cessation-of-a-person-with-significant-control
persons-with-significant-control · PSC07
2023-10-27
termination-director-company-with-name-termination-date
officers · TM01
2023-10-27