FINANCIAL PLANNING OPTIONS LTD

🌳Matureactive
SC319521 · ltd · incorporated 2007-03-26
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.
🔒Estimated value
—
Upgrade to see
Turnover
—
year to Mar 2025
Net worth
£278.2k
book net assets
Opportunity
81/100
Exceptional
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What this business does
Primary activity: Financial intermediation not elsewhere classified
Sector: Financial & insurance
Investor take
Pursue
Strong opportunity: asset-holding vehicle with exceptional profile and bankable structure.

Opportunity 81/100 (exceptional), bankability 75/100. Strong seller-intent signal (70/100, director aged 59). Share purchase looks the cleaner deal structure. Most likely exit: share sale to pe / searcher (73/100).

Data confidence

Overall: medium (79/100)

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
4 officers (2 active, 4 linked, 3 with DOB)
85
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
49 filings on record
85
Gazette notices
No matching gazette notices (standard for active companies)
60
Opportunity Score
81/100Exceptional
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
90
Good data coverage for analysis.

Signals from accounts

Derived from iXBRL accounts · FRS 102
Positive net assets
Net assets £278,156
Net assets shrinking
Down £16,564 YoY

Key financials

2 years extracted from filed iXBRL accounts
Cash
£325k
Net Worth
£278k
↓ 5.6% YoY
Current Assets
£325k
↓ 11% YoY
Current Liabilities
—
£0£73k£147k£220k£293k£367kMar 2024Mar 2025

Hover to see exact values · click legend to toggle series

Financials

Extracted from Companies House accounts · FRS 102
Metric2025-03-312024-03-31
Total assets£279.8k£306.4k
Current assets£324.6k£366.6k
Cash£324.6k—
Net assets£278.2k£294.7k

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

🔒Filing-note intelligence

2 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
1
filing
  • • 1 confirmation-statement
Last 180 days
1
filing
  • • 1 confirmation-statement
Counts from Companies House filing history.
Corporate timeline (22 events)Click to expand
  1. 2025-09-10
    📄
    accounts-with-accounts-type-total-exemption-full
    accounts · AA
  2. 2024-12-18
    📄
    accounts-with-accounts-type-micro-entity
    accounts · AA
  3. 2023-12-12
    📄
    accounts-with-accounts-type-total-exemption-full
    accounts · AA
  4. 2023-09-26
    📄
    termination-secretary-company-with-name-termination-date
    officers · TM02
  5. 2023-09-21
    ➖
    HENDERSON, Alan resigned
    secretary
  6. 2022-12-01
    📄
    accounts-with-accounts-type-total-exemption-full
    accounts · AA
  7. 2021-12-07
    📄
    accounts-with-accounts-type-total-exemption-full
    accounts · AA
  8. 2021-03-30
    📄
    accounts-with-accounts-type-total-exemption-full
    accounts · AA
  9. 2020-09-28
    📍
    change-registered-office-address-company-with-date-old-address-new-address
    address · AD01
  10. 2019-11-15
    📄
    accounts-with-accounts-type-total-exemption-full
    accounts · AA
  11. 2018-12-13
    📄
    accounts-with-accounts-type-micro-entity
    accounts · AA
  12. 2017-12-18
    📄
    accounts-with-accounts-type-total-exemption-full
    accounts · AA
  13. 2017-11-20
    📄
    change-person-director-company-with-change-date
    officers · CH01
  14. 2016-12-28
    📍
    change-registered-office-address-company-with-date-old-address-new-address
    address · AD01
  15. 2016-10-12
    📄
    accounts-with-accounts-type-total-exemption-small
    accounts · AA
  16. 2016-05-10
    📄
    annual-return-company-with-made-up-date-full-list-shareholders
    annual-return · AR01
  17. 2009-04-01
    ➖
    BAND, Jean resigned
    director
  18. 2007-12-06
    ➕
    KERR, Andrew appointed
    director
  19. 2007-10-04
    ➕
    HENDERSON, Kathleen Kearney appointed
    director
  20. 2007-03-26
    🏢
    Company incorporated
    As FINANCIAL PLANNING OPTIONS LTD
  21. 2007-03-26
    ➕
    HENDERSON, Alan appointed
    secretary
  22. 2007-03-26
    ➕
    BAND, Jean appointed
    director

Owner dependency

76/100
High — earn-out structure required

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

FACTORS
  • +Two-director setup: Only two active directors — typical of owner-managed SMEs but limits succession.
  • +Long-tenure founder: Senior director has been in place 19 years — deep operational knowledge concentrated in one person.
  • +Senior director age: Director aged approximately 59 — approaching natural succession window.

Succession & seller-readiness

69/100
Strong succession signal

Multiple signals suggest succession is on the horizon. Candidate for proactive outreach.

SIGNALS
  • secondaryFounder aged 58+: Senior director is approximately 59. Early succession window.
  • secondaryTwo-director governance: Small-team governance. Succession depth is thin but not absent.
  • secondary12+ year tenure: Director in role 19 years.
  • secondaryStable-but-static management: Company is 19 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
NameSharesVoting rightsNature of controlNotified
Mrs Kathleen Kearney Henderson
Individual · British · DOB 06/1971 · age 55
50–75%
—50-75% shares14/03/2017

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 →

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Peers ranked by estimated value, then turnover, then opportunity score.See all →
🔒Tailored diligence questions

6 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
Incorporated2007-03-26
Jurisdictionscotland
Primary SIC64999 — Financial intermediation not elsewhere classified

Registered office

21 Forbes Place
Paisley
PA1 1UT
Scotland

Filing status

Accounts
Next due: 2026-12-31
Last made up to: 2025-03-31
Confirmation statement
Next due: 2027-02-05
Last: 2026-01-22

Officers (2 active · 2 resigned)

HENDERSON, Kathleen Kearney→
director · ~55y · appointed 2007-10-04
View their other companies + combined net worth →
Active
KERR, Andrew→
director · ~59y · appointed 2007-12-06
View their other companies + combined net worth →
Active
HENDERSON, Alan→
secretary · appointed 2007-03-26 · resigned 2023-09-21
Resigned
BAND, Jean→
director · ~79y · appointed 2007-03-26 · resigned 2009-04-01
Resigned

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

Recent filings (49 total)

confirmation-statement-with-no-updates
confirmation-statement · CS01
2026-02-23
accounts-with-accounts-type-total-exemption-full
accounts · AA
2025-09-10
confirmation-statement-with-no-updates
confirmation-statement · CS01
2025-01-29
accounts-with-accounts-type-micro-entity
accounts · AA
2024-12-18
confirmation-statement-with-no-updates
confirmation-statement · CS01
2024-02-02
accounts-with-accounts-type-total-exemption-full
accounts · AA
2023-12-12
termination-secretary-company-with-name-termination-date
officers · TM02
2023-09-26
confirmation-statement-with-no-updates
confirmation-statement · CS01
2023-02-09
accounts-with-accounts-type-total-exemption-full
accounts · AA
2022-12-01
confirmation-statement-with-no-updates
confirmation-statement · CS01
2022-02-04
accounts-with-accounts-type-total-exemption-full
accounts · AA
2021-12-07
accounts-with-accounts-type-total-exemption-full
accounts · AA
2021-03-30
confirmation-statement-with-no-updates
confirmation-statement · CS01
2021-01-27
change-registered-office-address-company-with-date-old-address-new-address
address · AD01
2020-09-28
confirmation-statement-with-no-updates
confirmation-statement · CS01
2020-02-27