ACUMEN FINANCIAL PLANNING LIMITED

🌳Matureactive
SC215343 · ltd · incorporated 2001-02-02
Investment thesis
Established operating company — standard diligence applies, no dominant angle.
Why interesting: Live, filing, normal profile.
Why risky: No standout signals in either direction.
Opportunity decay
approaching window · 12-months
Approaching a transaction window — refinance or sale event plausible in the next 12 months.
  • · Oldest live charge 8.8y old — refinance window within 12 months
🔒Estimated value
—
Upgrade to see
Turnover
—
year to Oct 2024
Net worth
£1.05M
book net assets
Opportunity
83/100
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: Other business support service activities n.e.c.
Sector: Administrative & support services
Investor take
Pursue
Active trading company with a 74-year-old founder — textbook succession opportunity.

Opportunity 83/100 (exceptional), bankability 80/100. Strong seller-intent signal (63/100, director aged 74). Share purchase looks the cleaner deal structure. Most likely exit: share sale to pe / searcher (65/100).

🏦

Refinance opportunity

1 live charge · oldest 8.8y

85/100
ready

Refinance conversation should be productive — structure clean and timing right.

  • · Oldest live charge is 8.8 years old — likely at or near maturity.
  • · Single lender — cleanest path to refinance.
  • · Legal-friction score 15/100 — clean.

Data confidence

Overall: high (82/100)

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
1 charges (1/1 with lender, 1/1 with type)
90
Directors & officers
11 officers (6 active, 11 linked, 9 with DOB)
86
Ownership & PSC
1 active PSC(s) of 1 total, 1 with control declared
90
Director network
8 connected companies via shared directors
69
Filing history
113 filings on record
85
Gazette notices
No matching gazette notices (standard for active companies)
60
Opportunity Score
83/100Exceptional
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
85
Strong succession / seller-readiness signals.
Risk profile
85
Few red 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 £1,053,259
Cash YoY
+48%
Year on year

Key financials

2 years extracted from filed iXBRL accounts
Cash
£351k
↑ 48% YoY
Net Worth
£1.1m
↑ 2.9% YoY
Current Assets
£1.7m
↑ 31% YoY
Current Liabilities
—
£0£338k£676k£1.0m£1.4m£1.7mOct 2023Oct 2024

Hover to see exact values · click legend to toggle series

Financials

Extracted from Companies House accounts · accounting standard unknown
Metric2024-10-312023-10-31
Total assets£1.11M£1.08M
Current assets£1.69M£1.29M
Cash£350.8k£237.1k
Debtors£1.12M£861.9k
Net assets£1.05M£1.02M

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

🔒Filing-note intelligence

3 signals 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
0
filings
Last 180 days
1
filing
  • • 1 confirmation-statement
Counts from Companies House filing history.
Corporate timeline (34 events)Click to expand
  1. 2025-07-31
    📄
    accounts-with-accounts-type-medium
    accounts · AA
  2. 2025-04-07
    ➕
    CROWE, Laura appointed
    director
  3. 2025-04-07
    📄
    appoint-person-director-company-with-name-date
    officers · AP01
  4. 2024-07-11
    📄
    accounts-with-accounts-type-full
    accounts · AA
  5. 2023-11-10
    ➕
    MACKENZIE, Kevin Murray appointed
    director
  6. 2023-11-10
    ➕
    MORGAN, Rhian Sarah appointed
    director
  7. 2023-11-10
    📄
    appoint-person-director-company-with-name-date
    officers · AP01
  8. 2023-11-10
    📄
    appoint-person-director-company-with-name-date
    officers · AP01
  9. 2023-07-31
    📄
    accounts-with-accounts-type-full
    accounts · AA
  10. 2022-07-18
    📄
    accounts-with-accounts-type-full
    accounts · AA
  11. 2022-02-09
    📄
    change-person-director-company-with-change-date
    officers · CH01
  12. 2021-08-25
    📄
    accounts-with-accounts-type-full
    accounts · AA
  13. 2021-02-02
    ➖
    SHEPHERD & WEDDERBURN SECRETARIES LIMITED resigned
    corporate-secretary
  14. 2021-02-02
    📍
    change-registered-office-address-company-with-date-old-address-new-address
    address · AD01
  15. 2021-02-02
    📄
    termination-secretary-company-with-name-termination-date
    officers · TM02
  16. 2020-07-21
    📄
    accounts-with-accounts-type-full
    accounts · AA
  17. 2019-07-03
    📄
    accounts-with-accounts-type-full
    accounts · AA
  18. 2018-09-18
    📄
    change-corporate-secretary-company-with-change-date
    officers · CH04
  19. 2018-05-30
    📄
    accounts-with-accounts-type-full
    accounts · AA
  20. 2017-08-30
    📄
    capital-variation-of-rights-attached-to-shares
    capital · SH10
  21. 2017-08-04
    🔒
    Charge registered #1
    Lender: Vertus Capital Spv 1 Limited (Registered Number 10294991)
  22. 2014-12-12
    ➕
    GOW, David appointed
    director
  23. 2014-12-12
    ➕
    MACKIE, Keith appointed
    director
  24. 2010-01-25
    ➖
    SMITH, James resigned
    director
  25. 2002-01-09
    ➖
    MORRISON, Moira Jean resigned
    director
  26. 2002-01-09
    ➖
    ROBERTSON, Alexander George resigned
    director
  27. 2001-05-09
    ➕
    ROBERTSON, Alexander George appointed
    director
  28. 2001-05-09
    ➕
    MORRISON, Moira Jean appointed
    director
  29. 2001-05-09
    ➕
    ROBERTSON, Alexander George appointed
    director
  30. 2001-05-09
    ➕
    SMITH, James appointed
    director
  31. 2001-05-09
    ➖
    MMA NOMINEES LIMITED resigned
    corporate-nominee-director
  32. 2001-02-02
    🏢
    Company incorporated
    As ACUMEN FINANCIAL PLANNING LIMITED
  33. 2001-02-02
    ➕
    SHEPHERD & WEDDERBURN SECRETARIES LIMITED appointed
    corporate-secretary
  34. 2001-02-02
    ➕
    MMA NOMINEES LIMITED appointed
    corporate-nominee-director

Owner dependency

65/100
High — earn-out structure required

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

FACTORS
  • -6 active directors: Broader management team in place — suggests transferable governance.
  • +Long-tenure founder: Senior director has been in place 25 years — deep operational knowledge concentrated in one person.
  • +Founder age: Director aged approximately 74 — succession pressure is live.

Succession & seller-readiness

80/100
Likely off-market candidate

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

SIGNALS
  • primaryFounder aged 70+: Senior director is approximately 74 years old. Natural succession window is now.
  • primary20+ year tenure: Director in role 25 years. Very long tenure is a classic succession signal.
  • 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

The Financial Planning Group Limited is the ultimate parent — holding 75%+ shares. This company sits inside their group.

🏛️
The Financial Planning Group Limited
Corporate parent · holds 75-100% shares
ultimate parent
⬇
ACUMEN FINANCIAL PLANNING LIMITED
This company · SC215343

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
The Financial Planning Group Limited
Corporate entity
75–100%
75–100%75-100% shares · 75-100% voting12/07/2017

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 · Trade services · AB postcode area
CompanyEst. valueTurnoverNet worthStaffAgeOppDirector
UNIQUE SYSTEM (UK) LIMITED→
SC356252 · est 2009
£28.64M
£21.48M–£35.80M
£23.27M—380017y9565y
UNITY WELL INTEGRITY UK LIMITED→
SC273906 · est 2004
£5.70M
£4.27M–£7.12M
——820021y8462y
JAMES JAMIESON CONSTRUCTION LIMITED→
SC386496 · est 2010
£2.69M
£2.02M–£3.36M
£13.65M—380015y8468y
CASTLETON FRUIT LTD.→
SC369372 · est 2009
£2.18M
£1.63M–£2.72M
£15.34M—3010016y8352y
MINTRA LTD→
SC362194 · est 2009
£1.21M
£909.4k–£1.52M
£11.76M—750016y8562y
PARK AND SHINE LTD→
SC380696 · est 2010
£52.9k
£39.7k–£66.1k
——30015y8575y
ANIRAC LIMITED→
SC280789 · est 2005
——£1.67M—21y8385y
ASHLEY PROPERTIES ABERDEEN LIMITED→
SC315836 · est 2007 · no financials extracted
————19y8378y
BUILDTALL LIMITED→
SC235986 · est 2002
——£4.39M—23y8359y
DRUMMUIR & BOTRIPHNIE COMMUNITY TRUST→
SC273043 · est 2004 · no financials extracted
————21y8367y
EIJ DEVELOPMENTS LIMITED→
SC226210 · est 2001
——£1.38M—24y8369y
ERT CAMELOT LIMITED→
SC301741 · est 2006 · no financials extracted
————20y8372y
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
Incorporated2001-02-02
Jurisdictionscotland
Primary SIC82990 — Other business support service activities n.e.c.

Registered office

4 Kingshill Park
Venture Drive, Arnhall Business Park
Westhill
Aberdeenshire
AB32 6FL
Scotland

Filing status

Accounts
Next due: 2026-07-31
Last made up to: 2024-10-31
Confirmation statement
Next due: 2027-02-17
Last: 2026-02-03

Officers (6 active · 5 resigned)

CROWE, Laura→
director · ~47y · appointed 2025-04-07
View their other companies + combined net worth →
Active
GOW, David→
director · ~47y · appointed 2014-12-12
View their other companies + combined net worth →
Active
MACKENZIE, Kevin Murray→
director · ~45y · appointed 2023-11-10
View their other companies + combined net worth →
Active
MACKIE, Keith→
director · ~58y · appointed 2014-12-12
View their other companies + combined net worth →
Active
MORGAN, Rhian Sarah→
director · ~43y · appointed 2023-11-10
View their other companies + combined net worth →
Active
ROBERTSON, Alexander George→
director · ~74y · appointed 2001-05-09
View their other companies + combined net worth →
Active
SHEPHERD & WEDDERBURN SECRETARIES LIMITED→
corporate-secretary · appointed 2001-02-02 · resigned 2021-02-02
Resigned
MORRISON, Moira Jean→
director · ~66y · appointed 2001-05-09 · resigned 2002-01-09
Resigned
ROBERTSON, Alexander George→
director · ~74y · appointed 2001-05-09 · resigned 2002-01-09
Resigned
SMITH, James→
director · ~62y · appointed 2001-05-09 · resigned 2010-01-25
Resigned
MMA NOMINEES LIMITED→
corporate-nominee-director · appointed 2001-02-02 · resigned 2001-05-09
Resigned

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

Mortgages & charges

1
Total charges
1
Outstanding
1
Active lenders
Status:Lender:1 of 1 shown
TypeProperties
outstanding
Vertus Capital Spv 1 (Registered Number 10294991)
Vertus Capital Spv 1 Limited (Registered Number 10294991)
A registered charge—04/08/2017—
Click column headers to sort. Use filters above to narrow by status and lender.

Recent filings (113 total)

confirmation-statement-with-no-updates
confirmation-statement · CS01
2026-02-05
accounts-with-accounts-type-medium
accounts · AA
2025-07-31
appoint-person-director-company-with-name-date
officers · AP01
2025-04-07
confirmation-statement-with-no-updates
confirmation-statement · CS01
2025-02-07
accounts-with-accounts-type-full
accounts · AA
2024-07-11
confirmation-statement-with-no-updates
confirmation-statement · CS01
2024-02-09
appoint-person-director-company-with-name-date
officers · AP01
2023-11-10
appoint-person-director-company-with-name-date
officers · AP01
2023-11-10
accounts-with-accounts-type-full
accounts · AA
2023-07-31
confirmation-statement-with-no-updates
confirmation-statement · CS01
2023-02-09
accounts-with-accounts-type-full
accounts · AA
2022-07-18
confirmation-statement-with-no-updates
confirmation-statement · CS01
2022-02-09
change-person-director-company-with-change-date
officers · CH01
2022-02-09
accounts-with-accounts-type-full
accounts · AA
2021-08-25
confirmation-statement-with-no-updates
confirmation-statement · CS01
2021-02-17