WHITELEIGH FINANCIAL PLANNING LTD

🌳Matureactive

SC384173 · ltd · incorporated 2010-08-24

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 Aug 2024

Net worth

£1.12M

book net assets

Opportunity

76/100

Strong

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What this business does

Primary activity: Life insurance

Sector: Financial & insurance

Investor take

Pursue

Strong opportunity: asset-holding vehicle with strong profile and bankable structure.

Opportunity 76/100 (strong), bankability 75/100. High owner-dependency — earn-out structure likely required for clean transition. Share purchase looks the cleaner deal structure. Biggest value-creation lever: Cash flow review and working-capital discipline. Cash down -65% YoY — forensic review of receivables, stock turns, and creditor days. Most likely exit: strategic trade sale (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

Lenders & charges

Confirmed no charges registered

Directors & officers

3 officers (3 active, 3 linked, 2 with DOB)

Ownership & PSC

2 active PSC(s) of 2 total, 2 with control declared

Director network

1 connected companies via shared directors

Filing history

38 filings on record

Gazette notices

No matching gazette notices (standard for active companies)

Opportunity Score

76/100Strong

PassWatchWorth a lookStrongExceptional

Solid opportunity signal. Worth a dedicated memo and management meeting.

Business quality

Active, clean filings, stable charge profile.

Acquirability

Some acquirability indicators.

Risk profile

Few red flags.

Signal strength

Good data coverage for analysis.

Signals from accounts

Derived from iXBRL accounts · FRS 102

Positive net assets

Net assets £1,121,263

Cash draining

Cash down 65% YoY

Cash YoY

-65%

Year on year

Key financials

2 years extracted from filed iXBRL accounts

Cash

£65k

↓ 65% YoY

Net Worth

£1.1m

↑ 4.9% YoY

Current Assets

£764k

↑ 17% YoY

Current Liabilities

—

Hover to see exact values · click legend to toggle series

Financials

Extracted from Companies House accounts · FRS 102

Metric	2024-08-31	2023-08-31
Total assets	£1.12M	£1.07M
Current assets	£764.4k	£654.5k
Cash	£64.6k	£183.2k
Debtors	£699.9k	£471.3k
Net assets	£1.12M	£1.07M

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

filings

Last 90 days

filings

Last 180 days

filings

Counts from Companies House filing history.

Corporate timeline (19 events)Click to expand

2025-08-12
📄
accounts-with-accounts-type-total-exemption-full
accounts · AA
2024-06-04
📄
accounts-with-accounts-type-total-exemption-full
accounts · AA
2024-01-08
📄
second-filing-capital-allotment-shares
capital · RP04SH01
2023-05-31
📄
accounts-with-accounts-type-total-exemption-full
accounts · AA
2022-05-19
📄
accounts-with-accounts-type-total-exemption-full
accounts · AA
2021-05-25
📄
accounts-with-accounts-type-total-exemption-full
accounts · AA
2020-08-31
📄
accounts-with-accounts-type-micro-entity
accounts · AA
2019-05-16
📄
accounts-with-accounts-type-micro-entity
accounts · AA
2018-09-14
📄
capital-allotment-shares
capital · SH01
2018-05-31
📄
accounts-with-accounts-type-micro-entity
accounts · AA
2018-03-09
✏️
certificate-change-of-name-company
change-of-name · CERTNM
2018-03-09
📄
resolution
resolution · RESOLUTIONS
2017-05-31
📄
accounts-with-accounts-type-total-exemption-small
accounts · AA
2016-09-15
➕
MCILROY, Sharon appointed
director
2016-09-15
📄
appoint-person-director-company-with-name-date
officers · AP01
2016-05-13
📄
accounts-with-accounts-type-total-exemption-small
accounts · AA
2010-08-24
🏢
Company incorporated
As WHITELEIGH FINANCIAL PLANNING LTD
2010-08-24
➕
MCILROY, Sharon appointed
secretary
2010-08-24
➕
MCILROY, Robert 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 16 years — deep operational knowledge concentrated in one person.
+Family involvement: Multiple officers share a surname — likely family business, which concentrates governance.

Succession & seller-readiness

59/100

Strong succession signal

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

SIGNALS

secondaryTwo-director governance: Small-team governance. Succession depth is thin but not absent.
secondary12+ year tenure: Director in role 16 years.
secondaryStable-but-static management: Company is 16 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

2 active beneficial owners

Name	Shares	Voting rights	Nature of control	Notified
Mrs Sharon Mcilroy Individual · British · DOB 06/1971 · age 55	25–50%	—	25-50% shares	10/08/2016
Mr Robert Mcilroy Individual · British · DOB 04/1970 · age 56	25–50%	—	25-50% shares	10/08/2016

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

Company	Est. value	Turnover	Net worth	Staff	Age	Opp	Director
@SIPP LIMITED→ SC217126 · est 2001	£37.09M £26.97M–£47.20M	£10.21M	—	6200	25y	85	62y
FORWARD ASSET FINANCE LIMITED→ SC337979 · est 2008	£1.02M £744.7k–£1.30M	—	—	500	18y	83	64y
COMMONWEALTH GAMES (SCOTLAND) ENDOWMENT FUND→ SC301214 · est 2006	£22.3k £16.2k–£28.3k	—	—	0	20y	83	66y
BLAIRSTON ENTERPRISES LIMITED→ SC368750 · est 2009	—	—	£2.38M	—	16y	83	72y
CALCLUTH & SANGSTER (INSURANCE BROKERS) LIMITED→ SC200273 · est 1999 · no financials extracted	—	—	—	—	26y	83	59y
FEMALE INDEPENDENT LTD.→ SC245607 · est 2003	—	—	£20.0k	—	23y	83	66y
HARRY SMITH, LIMITED→ SC008622 · est 1913	—	—	£1.66M	—	113y	83	58y
KELVIN SMITH (INSURANCE BROKERS) LIMITED→ SC301532 · est 2006	—	—	£3.48M	—	20y	83	63y
MORTGAGE ADVICE BROKERAGE LTD→ SC336489 · est 2008	—	—	—	1500	18y	83	58y
NITRON INVESTMENTS LIMITED→ SC047915 · est 1970	—	—	£431.4k	—	55y	83	80y
TMW (COMMERCIAL) LIMITED→ SC781785 · est 2023 · no financials extracted	—	—	—	—	2y	—	—
WHEATLEY FUNDING NO. 2 LIMITED→ SC470001 · est 2014 · no financials extracted	—	—	—	—	12y	—	—

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

Incorporated2010-08-24

Jurisdictionscotland

Primary SIC65110 — Life insurance

Registered office

307 West George Street

Glasgow

G2 4LF

Filing status

Accounts

Next due: 2026-05-31

Last made up to: 2024-08-31

Confirmation statement

Next due: 2026-09-07

Last: 2025-08-24

Officers (3 active · 0 resigned)

MCILROY, Sharon→

secretary · appointed 2010-08-24

View their other companies + combined net worth →

Active

MCILROY, Robert→

director · ~56y · appointed 2010-08-24

View their other companies + combined net worth →

Active

MCILROY, Sharon→

director · ~55y · appointed 2016-09-15

View their other companies + combined net worth →

Active

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

Recent filings (38 total)

confirmation-statement-with-no-updates

confirmation-statement · CS01

2025-08-27

accounts-with-accounts-type-total-exemption-full

accounts · AA

2025-08-12

confirmation-statement-with-updates

confirmation-statement · CS01

2024-09-04

accounts-with-accounts-type-total-exemption-full

accounts · AA

2024-06-04

second-filing-capital-allotment-shares

capital · RP04SH01

2024-01-08

confirmation-statement-with-no-updates

confirmation-statement · CS01

2023-09-05

accounts-with-accounts-type-total-exemption-full

accounts · AA

2023-05-31

confirmation-statement-with-no-updates

confirmation-statement · CS01

2022-09-16

accounts-with-accounts-type-total-exemption-full

accounts · AA

2022-05-19

confirmation-statement-with-updates

confirmation-statement · CS01

2021-08-30

accounts-with-accounts-type-total-exemption-full

accounts · AA

2021-05-25

accounts-with-accounts-type-micro-entity

accounts · AA

2020-08-31

confirmation-statement-with-no-updates

confirmation-statement · CS01

2020-08-24

confirmation-statement-with-updates

confirmation-statement · CS01

2019-10-11

accounts-with-accounts-type-micro-entity

accounts · AA

2019-05-16