FINANCIAL PLANNING OBJECTIVES LIMITED

💤Zombieactive

SC303462 · ltd · incorporated 2006-06-06

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 Dec 2025

Net worth

—

book net assets

Opportunity

80/100

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 63-year-old founder — textbook succession opportunity.

Opportunity 80/100 (exceptional), bankability 75/100. Strong seller-intent signal (70/100, director aged 63). 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 (76/100)

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

Lenders & charges

Confirmed no charges registered

Directors & officers

2 officers (2 active, 2 linked, 1 with DOB)

Ownership & PSC

1 active PSC(s) of 1 total, 1 with control declared

Director network

Network not yet resolved

Filing history

46 filings on record

Gazette notices

No matching gazette notices (standard for active companies)

Opportunity Score

80/100Exceptional

PassWatchWorth a lookStrongExceptional

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

Business quality

Active, clean filings, stable charge profile.

Acquirability

Strong succession / seller-readiness signals.

Risk profile

Few red flags.

Signal strength

Good data coverage for analysis.

Key financials

2 years extracted from filed iXBRL accounts

Cash

—

Net Worth

—

Current Assets

—

Current Liabilities

—

Hover to see exact values · click legend to toggle series

Financials

Extracted from Companies House accounts · FRS 102

Metric	2025-12-31	2024-12-31
Average employees	4	400

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

filings

Last 90 days

filing

• 1 accounts

Last 180 days

filing

• 1 accounts

Counts from Companies House filing history.

Corporate timeline (19 events)Click to expand

2026-03-02
📄
accounts-with-accounts-type-total-exemption-full
accounts · AA
2025-03-24
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accounts-with-accounts-type-total-exemption-full
accounts · AA
2024-02-12
📄
accounts-with-accounts-type-total-exemption-full
accounts · AA
2023-02-20
📄
accounts-with-accounts-type-total-exemption-full
accounts · AA
2022-03-28
📄
accounts-with-accounts-type-total-exemption-full
accounts · AA
2021-04-07
📄
accounts-with-accounts-type-micro-entity
accounts · AA
2020-03-18
📄
accounts-with-accounts-type-total-exemption-full
accounts · AA
2019-04-10
📄
accounts-with-accounts-type-total-exemption-full
accounts · AA
2018-05-22
📄
accounts-with-accounts-type-total-exemption-full
accounts · AA
2017-09-23
📄
accounts-with-accounts-type-total-exemption-full
accounts · AA
2016-08-16
📄
accounts-with-accounts-type-total-exemption-small
accounts · AA
2016-07-01
📄
annual-return-company-with-made-up-date-full-list-shareholders
annual-return · AR01
2015-09-29
📄
accounts-with-accounts-type-total-exemption-small
accounts · AA
2015-06-26
📄
annual-return-company-with-made-up-date-full-list-shareholders
annual-return · AR01
2014-08-12
📄
accounts-with-accounts-type-total-exemption-small
accounts · AA
2014-06-19
📄
annual-return-company-with-made-up-date-full-list-shareholders
annual-return · AR01
2006-06-06
🏢
Company incorporated
As FINANCIAL PLANNING OBJECTIVES LIMITED
2006-06-06
➕
VARTY, Angela appointed
secretary
2006-06-06
➕
VARTY, Derek appointed
director

Owner dependency

98/100

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 20 years — deep operational knowledge concentrated in one person.
+Senior director age: Director aged approximately 63 — approaching natural succession window.
+No director turnover: Company is 20 years old with no director changes — suggests a very tight-knit founder team never broadened.

Succession & seller-readiness

88/100

Likely off-market candidate

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

SIGNALS

primaryFounder aged 63+: Senior director is approximately 63. Approaching typical UK retirement age — succession thinking likely.
primarySole active director: Only one director in control. No visible successor — buyers solve the succession problem.
secondary12+ year tenure: Director in role 20 years.
secondaryStable-but-static management: Company is 20 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%

Name	Shares	Voting rights	Nature of control	Notified
Mr Derek Varty Individual · British · DOB 03/1963 · age 63	75–100%	—	75-100% shares	08/11/2016

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

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AFFLUENT FINANCIAL PLANNING LTD.→ SC161571 · est 1995	—	—	—	700	30y	82	62y
FIREBIRD CAPITAL LTD→ SC244105 · est 2003	—	—	—	—	23y	82	73y
MANOR PARK FINANCIAL SERVICES LIMITED→ SC133100 · est 1991 · no financials extracted	—	—	—	—	34y	82	69y
ADVANCED (SCOTLAND) LIMITED→ SC280438 · est 2005	—	—	£106.0k	—	21y	81	64y
FINANCIAL PLANNING OPTIONS LTD→ SC319521 · est 2007	—	—	£278.2k	—	19y	81	59y
A & J MORTGAGES LIMITED→ SC287935 · est 2005	—	—	£9.7k	—	20y	80	63y
ADVANCED FINANCIAL STRATEGIES LIMITED→ SC303141 · est 2006	—	—	£13.0k	—	19y	80	66y
ARGYLL WEALTH CONSULTANTS LIMITED→ SC244103 · est 2003	—	—	—	400	23y	80	69y
CONQUER MORTGAGE SERVICES LIMITED→ SC265558 · est 2004	—	—	£23.1k	—	22y	80	62y
G H J S LTD.→ SC353072 · est 2009	—	—	£155.1k	—	17y	80	80y
MAIR FINANCE LIMITED→ SC585979 · est 2018 · no financials extracted	—	—	—	—	8y	—	—
PHOENIX WEALTH SOLUTIONS LIMITED→ SC222334 · est 2001 · no financials extracted	—	—	—	—	24y	—	—

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.

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Company details

Statusactive

Typeltd

Incorporated2006-06-06

Jurisdictionscotland

Primary SIC64999 — Financial intermediation not elsewhere classified

Registered office

64 Eldon Street

Greenock

Renfrewshire

PA16 7RE

Filing status

Accounts

Next due: 2027-09-30

Last made up to: 2025-12-31

Confirmation statement

Next due: 2026-06-03

Last: 2025-05-20

Officers (2 active · 0 resigned)

VARTY, Angela→

secretary · appointed 2006-06-06

View their other companies + combined net worth →

Active

VARTY, Derek→

director · ~63y · appointed 2006-06-06

View their other companies + combined net worth →

Active

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