ARDMORE FINANCIAL PLANNING LIMITED

🌳Matureactive

SC363882 · ltd · incorporated 2009-08-12

Investment thesis

Well-run mature business — low negotiation leverage; premium likely.

Why interesting: Textbook target; clean filings, stable trading.

Why risky: No pressure on seller; any deal likely at full price.

Why now

Window steady · low confidence

Steady and tidy — no seller pressure yet. Approach only if an angle opens.

Opportunity decay

hardening · 12-months

Already tight — no obvious softening catalysts on the horizon.

· Thesis: well-run, low negotiation leverage

What changed my view

Last 30 days

No material changes in the last 30 days.

Last 90 days

No snapshot from 90 days ago — start tracking from today.

Last 180 days

No snapshot from 180 days ago — start tracking from today.

🔒Estimated value

—

Upgrade to see

Turnover

—

year to Aug 2025

Net worth

—

book net assets

Opportunity

83/100

Exceptional

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What this business does

Primary activity: Other activities auxiliary to insurance and pension funding

Sector: Financial & insurance

Investor take

Pursue

Strong opportunity: active trading company with exceptional profile and bankable structure.

Opportunity 83/100 (exceptional), bankability 80/100. High owner-dependency — earn-out structure likely required for clean transition. Share purchase looks the cleaner deal structure. Most likely exit: strategic trade sale (73/100).

🏦

Refinance opportunity

1 live charge · oldest 0.3y

50/100

clean up first

Refinance viable after a tidy-up — address the highlighted items first.

· Newest facility, 0.3 years old — likely still in initial term.
· Single lender — cleanest path to refinance.
· Legal-friction score 15/100 — clean.

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

Lenders & charges

1 charges (1/1 with lender, 1/1 with type)

Directors & officers

6 officers (5 active, 6 linked, 5 with DOB)

Ownership & PSC

1 active PSC(s) of 3 total, 3 with control declared

Director network

3 connected companies via shared directors

Filing history

57 filings on record

Gazette notices

No matching gazette notices (standard for active companies)

Opportunity Score

83/100Exceptional

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

100

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	2025-08-31	2024-08-31
Average employees	800	700

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

filing

• 1 address

Last 90 days

filing

• 1 address

Last 180 days

filings

• 1 address
• 1 mortgage
• 1 confirmation-statement

Counts from Companies House filing history.

Corporate timeline (25 events)Click to expand

2026-06-09
📍
change-registered-office-address-company-with-date-old-address-new-address
address · AD01
2026-02-20
📄
mortgage-create-with-deed-with-charge-number-charge-creation-date
mortgage · MR01
2026-02-11
🔒
Charge registered #1
Lender: The Royal Bank of Scotland PLC
2025-12-11
📄
accounts-with-accounts-type-unaudited-abridged
accounts · AA
2025-11-07
📄
notification-of-a-person-with-significant-control
persons-with-significant-control · PSC02
2025-11-06
📄
cessation-of-a-person-with-significant-control
persons-with-significant-control · PSC07
2025-11-06
📄
cessation-of-a-person-with-significant-control
persons-with-significant-control · PSC07
2025-01-28
📄
accounts-with-accounts-type-unaudited-abridged
accounts · AA
2024-03-06
📄
accounts-with-accounts-type-unaudited-abridged
accounts · AA
2022-12-14
📄
accounts-with-accounts-type-unaudited-abridged
accounts · AA
2022-01-10
📄
accounts-with-accounts-type-unaudited-abridged
accounts · AA
2021-01-29
📄
accounts-with-accounts-type-unaudited-abridged
accounts · AA
2020-01-14
📄
accounts-with-accounts-type-unaudited-abridged
accounts · AA
2018-11-12
📄
accounts-with-accounts-type-unaudited-abridged
accounts · AA
2018-08-28
➕
WARREN, Rebecca May appointed
director
2018-08-28
➕
WARREN, Sarah Jane appointed
director
2018-08-28
📄
appoint-person-director-company-with-name-date
officers · AP01
2018-08-28
📄
appoint-person-director-company-with-name-date
officers · AP01
2018-01-11
📄
accounts-with-accounts-type-unaudited-abridged
accounts · AA
2017-02-10
➖
FERGUSON, Craig resigned
director
2011-06-01
➕
FERGUSON, Craig appointed
director
2010-10-11
➕
WARREN, Janet Wilson appointed
director
2009-08-12
🏢
Company incorporated
As ARDMORE FINANCIAL PLANNING LIMITED
2009-08-12
➕
WARREN, Janet Wilson appointed
secretary
2009-08-12
➕
WARREN, Scott John appointed
director

Owner dependency

66/100

High — earn-out structure required

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

FACTORS

-4 active directors: Broader management team in place — suggests transferable governance.
+Long-tenure founder: Senior director has been in place 17 years — deep operational knowledge concentrated in one person.
+Senior director age: Director aged approximately 58 — approaching natural succession window.
+Family involvement: Multiple officers share a surname — likely family business, which concentrates governance.

Succession & seller-readiness

63/100

Strong succession signal

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

SIGNALS

secondaryFounder aged 58+: Senior director is approximately 58. Early succession window.
secondary12+ year tenure: Director in role 17 years.
secondaryStable-but-static management: Company is 17 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

Enf Holdings Limited is the ultimate parent — holding 75%+ shares. This company sits inside their group.

🏛️

Enf Holdings Limited

Corporate parent · holds 75-100% shares

ultimate parent

⬇

ARDMORE FINANCIAL PLANNING LIMITED

This company · SC363882

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%

Name	Shares	Voting rights	Nature of control	Notified
Enf Holdings Limited Corporate entity	75–100%	75–100%	75-100% shares · 75-100% voting	01/11/2021

2 historic (ceased) PSCs

Mr Scott John Warrenceased 01/11/2021· 25-50% shares
Mrs Janet Wilson Warrenceased 01/11/2021· 25-50% shares

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 · ML postcode area

Company	Est. value	Turnover	Net worth	Staff	Age	Opp	Director
THE MORTGAGE HUB LIMITED→ SC307419 · est 2006	—	—	£390.2k	—	19y	83	59y
ARCHIBALD MACINNES AND COMPANY LIMITED→ SC031316 · est 1956	—	—	£1.24M	—	70y	82	76y
MORTGAGE INFORMATION CENTRE LIMITED→ SC233257 · est 2002	—	—	£14.1k	—	23y	82	66y
A.J. OPTIONS LIMITED→ SC229017 · est 2002	—	—	—	400	24y	80	70y
ANNIE DUNCAN LTD.→ SC289895 · est 2005	—	—	£524	—	20y	80	68y
AVETON GIFFORD ASSOCIATES LIMITED→ SC268741 · est 2004	—	—	£348.5k	—	22y	80	67y
DAVID DOUGAN FINANCIAL SERVICES LIMITED→ SC350319 · est 2008	—	—	£30.5k	—	17y	80	66y
EXECUTIVE BENEFIT SERVICES (U.K.) LIMITED→ SC054039 · est 1973 · no financials extracted	—	—	—	—	52y	80	71y
EXECUTIVE FINANCIAL SERVICES LIMITED→ SC280840 · est 2005	—	—	£298.8k	—	21y	80	73y
F. P. BREEN LIMITED→ SC244307 · est 2003	—	—	£2.2k	—	23y	80	60y
H.B. MORTGAGE SOLUTIONS LTD.→ SC304331 · est 2006	—	—	£15.9k	—	19y	80	63y
HC2M INDEPENDENT MORTGAGE SHOP LTD.→ SC318534 · est 2007	—	—	£72.6k	—	19y	80	67y

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

Incorporated2009-08-12

Jurisdictionscotland

Primary SIC66290 — Other activities auxiliary to insurance and pension funding

Registered office

37-39 Wellgate

Lanark

ML11 9DS

Scotland

Filing status

Accounts

Next due: 2027-05-31

Last made up to: 2025-08-31

Confirmation statement

Next due: 2026-12-05

Last: 2025-11-21