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.
🔒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 25.1y

45/100
under pressure

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

  • · Oldest live charge is 25.1 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
1
filing
  • • 1 confirmation-statement
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 30 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 30 years. Very long tenure is a classic succession signal.
  • secondaryStable-but-static management: Company is 30 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