AFFLUENT FINANCIAL PLANNING LTD.

💤Zombieactive
SC161571 · ltd · incorporated 1995-11-14
Investment thesis
Zombie company — trading but stalled; unlikely mover.
Why interesting: Quiet, steady; could be a succession or carve-out candidate with the right conversation.
Why risky: No growth signal; thin margin for error on price.
Why now
Window steady · low confidence
Steady and stalled — no momentum either way. Needs an approach trigger.
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 Dec 2024
Net worth
—
book net assets
Opportunity
82/100
Exceptional
🔔
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What this business does
Primary activity: Financial intermediation not elsewhere classified
Sector: Financial & insurance
Investor take
Pursue
Active trading company with a 62-year-old founder — textbook succession opportunity.

Opportunity 82/100 (exceptional), bankability 85/100. Strong seller-intent signal (80/100, director aged 62). Share purchase looks the cleaner deal structure. Biggest value-creation lever: Broaden director team. Sole director creates succession risk and reduces buyer comfort. Appoint a second director or strong #2. Most likely exit: share sale to pe / searcher (73/100).

🏦

Refinance opportunity

2 live charges · oldest 25.3y

45/100
under pressure

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

  • · Oldest live charge is 25.3 years old — likely at or near maturity.
  • · Single lender — cleanest path to refinance.
  • · Distress signals active — lender appetite narrows.

Data confidence

Overall: high (80/100)

Strong data coverage across all sections. AI outputs should be trusted with minimal caveats.

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
2 charges (2/2 with lender, 2/2 with type)
90
Directors & officers
8 officers (2 active, 8 linked, 4 with DOB)
80
Ownership & PSC
1 active PSC(s) of 3 total, 3 with control declared
90
Director network
6 connected companies via shared directors
63
Filing history
105 filings on record
85
Gazette notices
No matching gazette notices (standard for active companies)
60
Opportunity Score
82/100Exceptional
PassWatchWorth a lookStrongExceptional 

Strong composite across quality, acquirability, and risk. High-priority target — progress to serious diligence.

Business quality
70
Active, clean filings, stable charge profile.
Acquirability
80
Strong succession / seller-readiness signals.
Risk profile
85
Few red flags.
Signal strength
100
Good data coverage for analysis.

Key financials

2 years extracted from filed iXBRL accounts
Cash
—
Net Worth
—
Current Assets
—
Current Liabilities
—
£0£0£0£0£0£0Dec 2023Dec 2024

Hover to see exact values · click legend to toggle series

Financials

Extracted from Companies House accounts · FRS 102
Metric2024-12-312023-12-31
Average employees700400

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

Recent activity

Last 30 days
0
filings
Last 90 days
0
filings
Last 180 days
1
filing
  • • 1 confirmation-statement
Counts from Companies House filing history.
Corporate timeline (38 events)Click to expand
  1. 2025-09-23
    📄
    accounts-with-accounts-type-total-exemption-full
    accounts · AA
  2. 2024-09-19
    📄
    accounts-with-accounts-type-total-exemption-full
    accounts · AA
  3. 2024-09-17
    📄
    termination-director-company-with-name-termination-date
    officers · TM01
  4. 2024-09-16
    ➖
    STIRLING, Kitty Jane resigned
    director
  5. 2024-01-06
    📄
    appoint-person-director-company-with-name-date
    officers · AP01
  6. 2024-01-05
    ➕
    STIRLING, Kitty Jane appointed
    director
  7. 2023-09-27
    📄
    accounts-with-accounts-type-total-exemption-full
    accounts · AA
  8. 2023-09-07
    📄
    change-person-director-company-with-change-date
    officers · CH01
  9. 2022-09-14
    📄
    accounts-with-accounts-type-unaudited-abridged
    accounts · AA
  10. 2022-02-10
    📄
    cessation-of-a-person-with-significant-control
    persons-with-significant-control · PSC07
  11. 2021-06-28
    📄
    notification-of-a-person-with-significant-control
    persons-with-significant-control · PSC02
  12. 2021-05-17
    📄
    notification-of-a-person-with-significant-control
    persons-with-significant-control · PSC02
  13. 2021-05-17
    📄
    cessation-of-a-person-with-significant-control
    persons-with-significant-control · PSC07
  14. 2021-04-23
    📄
    change-person-secretary-company-with-change-date
    officers · CH03
  15. 2021-04-23
    📄
    change-person-director-company-with-change-date
    officers · CH01
  16. 2021-04-12
    📄
    accounts-amended-with-accounts-type-total-exemption-full
    accounts · AAMD
  17. 2021-03-25
    📄
    accounts-amended-with-accounts-type-total-exemption-full
    accounts · AAMD
  18. 2021-03-22
    📄
    accounts-amended-with-accounts-type-total-exemption-full
    accounts · AAMD
  19. 2021-03-18
    📄
    accounts-with-accounts-type-total-exemption-full
    accounts · AA
  20. 2021-03-15
    📄
    accounts-amended-with-accounts-type-total-exemption-full
    accounts · AAMD
  21. 2020-11-26
    📄
    mortgage-satisfy-charge-full
    mortgage · MR04
  22. 2020-11-26
    🔓
    Charge satisfied #2
  23. 2020-11-26
    🔓
    Charge satisfied #1
  24. 2012-03-26
    ➕
    MELVIN, Paul Anthony Carl appointed
    secretary
  25. 2012-03-26
    ➖
    HNATIUK, Irena Janina resigned
    secretary
  26. 2012-03-26
    ➖
    HNATIUK, Irena Janina resigned
    director
  27. 2001-05-16
    🔒
    Charge registered #2
    Lender: Clydesdale Bank Public Limited Company
  28. 2001-04-19
    ➕
    HNATIUK, Irena Janina appointed
    director
  29. 2001-03-16
    🔒
    Charge registered #1
    Lender: Clydesdale Bank Public Limited Company
  30. 1996-11-12
    ➕
    HNATIUK, Irena Janina appointed
    secretary
  31. 1996-11-12
    ➖
    THOMSON, Barbara May resigned
    secretary
  32. 1995-11-14
    🏢
    Company incorporated
    As AFFLUENT FINANCIAL PLANNING LTD.
  33. 1995-11-14
    ➕
    MELVIN, Paul Anthony Carl appointed
    director
  34. 1995-11-14
    ➕
    REID, Brian appointed
    nominee-secretary
  35. 1995-11-14
    ➖
    REID, Brian resigned
    nominee-secretary
  36. 1995-11-14
    ➕
    THOMSON, Barbara May appointed
    secretary
  37. 1995-11-14
    ➕
    MABBOTT, Stephen appointed
    nominee-director
  38. 1995-11-14
    ➖
    MABBOTT, Stephen resigned
    nominee-director

Owner dependency

93/100
Critical — business is the founder

The business appears inseparable from the founder. Acquisition without a serious earn-out or meaningful transition period would likely destroy value.

FACTORS
  • +Sole director: Only one active director — all governance concentrated on one person.
  • +Long-tenure founder: Senior director has been in place 31 years — deep operational knowledge concentrated in one person.
  • +Senior director age: Director aged approximately 62 — approaching natural succession window.

Succession & seller-readiness

85/100
Likely off-market candidate

Strong acquirability signals converging. Worth approaching directly — this is how off-market deals start.

SIGNALS
  • secondaryFounder aged 58+: Senior director is approximately 62. Early succession window.
  • primarySole active director: Only one director in control. No visible successor — buyers solve the succession problem.
  • primary20+ year tenure: Director in role 31 years. Very long tenure is a classic succession signal.
  • secondaryStable-but-static management: Company is 31 years old and no new directors in the last 3 years — succession not yet being planned internally.
  • supportingClean filings + long tenure: Disciplined long-tenure operator — classic lifestyle-business pattern that often sells quietly.

Red flags

clean
No red flags detected from available public data. (This is not a clean bill of health — detailed accounts review still recommended.)

Group structure

Affluent Financial Group Ltd is the ultimate parent — holding 75%+ shares. This company sits inside their group.

🏛️
Affluent Financial Group Ltd
Corporate parent · holds 75-100% shares · board control
ultimate parent
⬇
AFFLUENT FINANCIAL PLANNING LTD.
This company · SC161571

Parent relationships inferred from Persons with Significant Control filings. Full subsidiary tree requires reverse-lookup (coming).

Shareholders & ownership

1 active beneficial owner · dominant holder ≥75%
NameSharesVoting rightsNature of controlNotified
Affluent Financial Group Ltd
Corporate entity
75–100%
75–100%board control75-100% shares · 75-100% voting · board control07/06/2021
2 historic (ceased) PSCs
  • Affluent Financial Holdings Limitedceased 15/11/2021· 75-100% shares · 75-100% voting
  • Mr Paul Anthony Carl Melvinceased 17/05/2021· 75-100% shares · 75-100% voting

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

7 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

Statusactive
Typeltd
Incorporated1995-11-14
Jurisdictionscotland
Primary SIC64999 — Financial intermediation not elsewhere classified

Registered office

1 Kirkinner Place
Main Street
Bridge Of Weir
Renfrewshire
PA11 3AA

Filing status

Accounts
Next due: 2026-09-30
Last made up to: 2024-12-31
Confirmation statement
Next due: 2027-02-20
Last: 2026-02-06

Officers (2 active · 6 resigned)

MELVIN, Paul Anthony Carl→
secretary · appointed 2012-03-26
View their other companies + combined net worth →
Active
MELVIN, Paul Anthony Carl→
director · ~62y · appointed 1995-11-14
View their other companies + combined net worth →
Active
HNATIUK, Irena Janina→
secretary · appointed 1996-11-12 · resigned 2012-03-26
Resigned
REID, Brian→
nominee-secretary · appointed 1995-11-14 · resigned 1995-11-14
Resigned
THOMSON, Barbara May→
secretary · appointed 1995-11-14 · resigned 1996-11-12
Resigned
HNATIUK, Irena Janina→
director · ~68y · appointed 2001-04-19 · resigned 2012-03-26
Resigned
MABBOTT, Stephen→
nominee-director · ~76y · appointed 1995-11-14 · resigned 1995-11-14
Resigned
STIRLING, Kitty Jane→
director · ~47y · appointed 2024-01-05 · resigned 2024-09-16
Resigned

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

Mortgages & charges

2
Total charges
0
Outstanding
0
Active lenders
Status:Lender:2 of 2 shown
TypeProperties
satisfied
Virgin Money
Clydesdale Bank Public Limited Company
Standard security1 property16/05/200126/11/2020
satisfied
Virgin Money
Clydesdale Bank Public Limited Company
Floating charge1 property16/03/200126/11/2020

Recent filings (105 total)

confirmation-statement-with-no-updates
confirmation-statement · CS01
2026-02-13
accounts-with-accounts-type-total-exemption-full
accounts · AA
2025-09-23
confirmation-statement-with-no-updates
confirmation-statement · CS01
2025-02-11
accounts-with-accounts-type-total-exemption-full
accounts · AA
2024-09-19
termination-director-company-with-name-termination-date
officers · TM01
2024-09-17
confirmation-statement-with-no-updates
confirmation-statement · CS01
2024-02-07
appoint-person-director-company-with-name-date
officers · AP01
2024-01-06
accounts-with-accounts-type-total-exemption-full
accounts · AA
2023-09-27
change-person-director-company-with-change-date
officers · CH01
2023-09-07
confirmation-statement-with-updates
confirmation-statement · CS01
2023-02-06
accounts-with-accounts-type-unaudited-abridged
accounts · AA
2022-09-14
confirmation-statement-with-updates
confirmation-statement · CS01
2022-02-14
cessation-of-a-person-with-significant-control
persons-with-significant-control · PSC07
2022-02-10
confirmation-statement-with-updates
confirmation-statement · CS01
2021-11-15
notification-of-a-person-with-significant-control
persons-with-significant-control · PSC02
2021-06-28