PERSONAL INVESTMENT PLANNING LIMITED

💤Zombieactive
SC190901 · ltd · incorporated 1998-11-06
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 Feb 2026
Net worth
£28.2k
book net assets
Opportunity
80/100
Exceptional
🔔
Follow this company (free)
Email alerts on filings, charges, director changes, gazette notices. No account needed.

Unsubscribe any time from any email. GDPR-respectful.

🔒Generate AI memo →🔒Outreach pack →🔒Corporate story →📑 Reports →Sign in to watch
What this business does
Primary activity: Activities of insurance agents and brokers
Sector: Financial & insurance
Investor take
Pursue
Strong opportunity: asset-holding vehicle with exceptional profile and bankable structure.

Opportunity 80/100 (exceptional), bankability 75/100. Strong seller-intent signal (70/100, director aged 59). 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).

Data confidence

Overall: medium (78/100)

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
Confirmed no charges registered
85
Directors & officers
5 officers (2 active, 5 linked, 2 with DOB)
78
Ownership & PSC
1 active PSC(s) of 1 total, 1 with control declared
90
Director network
2 connected companies via shared directors
51
Filing history
69 filings on record
85
Gazette notices
No matching gazette notices (standard for active companies)
60
Opportunity Score
80/100Exceptional
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
90
Good data coverage for analysis.

Signals from accounts

Derived from iXBRL accounts · accounting standard not declared
Positive net assets
Net assets £28,158
Net assets shrinking
Down £31 YoY

Key financials

2 years extracted from filed iXBRL accounts
Cash
—
Net Worth
£28k
~ YoY
Current Assets
£42k
↓ 11% YoY
Current Liabilities
—
£0£9k£19k£28k£38k£47kFeb 2025Feb 2026

Hover to see exact values · click legend to toggle series

Financials

Extracted from Companies House accounts · accounting standard unknown
Metric2026-02-282025-02-28
Total assets£34.5k£31.3k
Current assets£41.9k£46.9k
Net assets£28.2k£28.2k

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 accounts
Last 180 days
3
filings
  • • 2 accounts
  • • 1 confirmation-statement
Counts from Companies House filing history.
Corporate timeline (24 events)Click to expand
  1. 2026-03-30
    📄
    accounts-with-accounts-type-micro-entity
    accounts · AA
  2. 2025-11-29
    📄
    accounts-with-accounts-type-micro-entity
    accounts · AA
  3. 2025-08-07
    📍
    change-registered-office-address-company-with-date-old-address-new-address
    address · AD01
  4. 2025-05-27
    📄
    accounts-with-accounts-type-micro-entity
    accounts · AA
  5. 2023-10-20
    📄
    accounts-with-accounts-type-unaudited-abridged
    accounts · AA
  6. 2022-11-30
    📄
    accounts-with-accounts-type-micro-entity
    accounts · AA
  7. 2021-11-12
    📄
    accounts-with-accounts-type-micro-entity
    accounts · AA
  8. 2020-11-30
    📄
    accounts-with-accounts-type-micro-entity
    accounts · AA
  9. 2019-11-27
    📄
    accounts-with-accounts-type-micro-entity
    accounts · AA
  10. 2018-05-11
    📄
    accounts-with-accounts-type-total-exemption-full
    accounts · AA
  11. 2017-08-04
    📄
    accounts-with-accounts-type-total-exemption-full
    accounts · AA
  12. 2016-06-23
    📄
    accounts-with-accounts-type-total-exemption-small
    accounts · AA
  13. 2015-11-06
    📄
    annual-return-company-with-made-up-date-full-list-shareholders
    annual-return · AR01
  14. 2015-05-07
    📄
    accounts-with-accounts-type-total-exemption-small
    accounts · AA
  15. 2014-11-06
    📄
    annual-return-company-with-made-up-date-full-list-shareholders
    annual-return · AR01
  16. 2010-12-01
    ➖
    HOOD, John resigned
    director
  17. 2007-02-28
    ➕
    BLACK, Douglas appointed
    secretary
  18. 2007-02-28
    ➖
    HOOD, Mary Campbell resigned
    secretary
  19. 2003-12-01
    ➕
    BLACK, Douglas appointed
    director
  20. 1998-11-06
    🏢
    Company incorporated
    As PERSONAL INVESTMENT PLANNING LIMITED
  21. 1998-11-06
    ➕
    HOOD, Mary Campbell appointed
    secretary
  22. 1998-11-06
    ➕
    OSWALDS OF EDINBURGH LIMITED appointed
    corporate-nominee-secretary
  23. 1998-11-06
    ➖
    OSWALDS OF EDINBURGH LIMITED resigned
    corporate-nominee-secretary
  24. 1998-11-06
    ➕
    HOOD, John appointed
    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 22 years — deep operational knowledge concentrated in one person.
  • +Senior director age: Director aged approximately 59 — 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 59. 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 22 years. Very long tenure is a classic succession signal.
  • secondaryStable-but-static management: Company is 27 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.)

Shareholders & ownership

1 active beneficial owner · dominant holder ≥75%
NameSharesVoting rightsNature of controlNotified
Mr Douglas Black
Individual · British · DOB 05/1967 · age 59
75–100%
75–100%board controlsig. influence75-100% shares · 75-100% voting · board control · significant influence · firm interest06/11/2016

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 →

Similar companies

Active · Financial services · G postcode area
CompanyEst. valueTurnoverNet worthStaffAgeOppDirector
TDS (E&W) LIMITED→
SC530749 · est 2016 · no financials extracted
————10y——
THE ER NETWORK LIMITED→
SC292243 · est 2005 · no financials extracted
————20y——
THE LONDON MORTGAGE COMPANY LIMITED→
SC474874 · est 2014 · no financials extracted
————12y——
THE MORTGAGE ADVICE SERVICE (SCOTLAND) LTD→
SC600894 · est 2018 · no financials extracted
————7y——
THE PSYCHOLOGY EXPERT WITNESS GROUP LTD→
SC865511 · est 2025 · no financials extracted
———————
THE WATER ROW COMPANY LTD→
SC784384 · est 2023 · no financials extracted
————2y——
THOMSON MCCALLUM LIMITED→
SC382004 · est 2010 · no financials extracted
————15y——
THORNE INVESTMENTS LTD→
SC527615 · est 2016 · no financials extracted
————10y——
TITCHWOOD FINANCE LIMITED→
SC109907 · est 1988 · no financials extracted
————38y——
TMA SCOTLAND LIMITED→
SC814662 · est 2024 · no financials extracted
————1y——
TMW (COMMERCIAL) LIMITED→
SC781785 · est 2023 · no financials extracted
————2y——
TOMINEY PROFESSIONAL LIMITED→
SC379379 · est 2010 · no financials extracted
————15y——
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
Incorporated1998-11-06
Jurisdictionscotland
Primary SIC66220 — Activities of insurance agents and brokers

Registered office

Gareloch House
Clynder
Helensburgh
G84 0PY
Scotland

Filing status

Accounts
Next due: 2027-11-30
Last made up to: 2026-02-28
Confirmation statement
Next due: 2026-11-19
Last: 2025-11-05

Officers (2 active · 3 resigned)

BLACK, Douglas→
secretary · appointed 2007-02-28
View their other companies + combined net worth →
Active
BLACK, Douglas→
director · ~59y · appointed 2003-12-01
View their other companies + combined net worth →
Active
HOOD, Mary Campbell→
secretary · appointed 1998-11-06 · resigned 2007-02-28
Resigned
OSWALDS OF EDINBURGH LIMITED→
corporate-nominee-secretary · appointed 1998-11-06 · resigned 1998-11-06
Resigned
HOOD, John→
director · ~82y · appointed 1998-11-06 · resigned 2010-12-01
Resigned

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

Recent filings (69 total)

accounts-with-accounts-type-micro-entity
accounts · AA
2026-03-30
accounts-with-accounts-type-micro-entity
accounts · AA
2025-11-29
confirmation-statement-with-no-updates
confirmation-statement · CS01
2025-11-18
change-registered-office-address-company-with-date-old-address-new-address
address · AD01
2025-08-07
accounts-with-accounts-type-micro-entity
accounts · AA
2025-05-27
confirmation-statement-with-no-updates
confirmation-statement · CS01
2024-11-13
confirmation-statement-with-no-updates
confirmation-statement · CS01
2023-11-07
accounts-with-accounts-type-unaudited-abridged
accounts · AA
2023-10-20
accounts-with-accounts-type-micro-entity
accounts · AA
2022-11-30
confirmation-statement-with-no-updates
confirmation-statement · CS01
2022-11-08
accounts-with-accounts-type-micro-entity
accounts · AA
2021-11-12
confirmation-statement-with-no-updates
confirmation-statement · CS01
2021-11-05
accounts-with-accounts-type-micro-entity
accounts · AA
2020-11-30
confirmation-statement-with-no-updates
confirmation-statement · CS01
2020-11-23
accounts-with-accounts-type-micro-entity
accounts · AA
2019-11-27