ORCHARD FINANCIAL PLANNERS LIMITED

💤Zombieactive

SC393200 · ltd · incorporated 2011-02-09

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 Feb 2025

Net worth

£370

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

Asset-holding vehicle with a 62-year-old founder — textbook succession opportunity.

Opportunity 80/100 (exceptional), bankability 75/100. Strong seller-intent signal (70/100, director aged 62). 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

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

Ownership & PSC

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

Director network

Network not yet resolved

Filing history

34 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.

Signals from accounts

Derived from iXBRL accounts · FRS 102

Positive net assets

Net assets £370

Net assets shrinking

Down £183 YoY

Cash YoY

-20%

Year on year

Key financials

2 years extracted from filed iXBRL accounts

Cash

£1k

↓ 20% YoY

Net Worth

£370

↓ 33% YoY

Current Assets

£2k

↑ 50% YoY

Current Liabilities

—

Hover to see exact values · click legend to toggle series

Financials

Extracted from Companies House accounts · FRS 102

Metric	2025-02-27	2024-02-27
Total assets	£370	£553
Current assets	£2.2k	£1.5k
Cash	£1.2k	£1.5k
Debtors	£1.0k	£0
Net assets	£370	£553

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

Recent activity

Last 30 days

filings

Last 90 days

filings

Last 180 days

filings

• 1 accounts
• 1 confirmation-statement

Counts from Companies House filing history.

Corporate timeline (20 events)Click to expand

2025-11-25
📄
accounts-with-accounts-type-unaudited-abridged
accounts · AA
2024-11-19
📄
accounts-with-accounts-type-unaudited-abridged
accounts · AA
2023-11-20
📄
accounts-with-accounts-type-unaudited-abridged
accounts · AA
2022-11-24
📄
accounts-with-accounts-type-unaudited-abridged
accounts · AA
2021-11-17
📄
accounts-with-accounts-type-unaudited-abridged
accounts · AA
2021-02-16
📄
accounts-with-accounts-type-unaudited-abridged
accounts · AA
2019-11-26
📄
accounts-with-accounts-type-unaudited-abridged
accounts · AA
2019-10-16
📄
cessation-of-a-person-with-significant-control
persons-with-significant-control · PSC07
2019-10-16
📄
termination-director-company-with-name-termination-date
officers · TM01
2019-07-30
➖
LINDSAY, Hugh Ross resigned
director
2018-11-26
📄
accounts-with-accounts-type-unaudited-abridged
accounts · AA
2017-11-23
📄
accounts-with-accounts-type-total-exemption-full
accounts · AA
2016-12-01
📄
accounts-with-accounts-type-total-exemption-small
accounts · AA
2016-02-09
📄
annual-return-company-with-made-up-date-full-list-shareholders
annual-return · AR01
2015-11-27
📄
accounts-with-accounts-type-total-exemption-small
accounts · AA
2015-03-02
📄
annual-return-company-with-made-up-date-full-list-shareholders
annual-return · AR01
2011-02-09
🏢
Company incorporated
As ORCHARD FINANCIAL PLANNERS LIMITED
2011-02-09
➕
HEALY, Kevin appointed
secretary
2011-02-09
➕
HEALY, Kevin appointed
director
2011-02-09
➕
LINDSAY, Hugh Ross appointed
director

Owner dependency

93/100

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 15 years — deep operational knowledge concentrated in one person.
+Senior director age: Director aged approximately 62 — approaching natural succession window.

Succession & seller-readiness

78/100

Likely off-market candidate

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

SIGNALS

secondaryFounder aged 58+: Senior director is approximately 62. Early succession window.
primarySole active director: Only one director in control. No visible successor — buyers solve the succession problem.
secondary12+ year tenure: Director in role 15 years.
secondaryStable-but-static management: Company is 15 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

Name	Shares	Voting rights	Nature of control	Notified
Mr Kevin Healy Individual · British · DOB 01/1964 · age 62	25–50%	25–50%	25-50% shares · 25-50% voting	06/04/2016

1 historic (ceased) PSC

Mr Hugh Ross Lindsayceased 30/07/2019· 25-50% shares · 25-50% voting

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

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ARDMORE FINANCIAL PLANNING LIMITED→ SC363882 · est 2009	—	—	—	800	16y	83	58y
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	—	21y	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
GB FINANCIAL SERVICES LIMITED→ SC554846 · est 2017 · no financials extracted	—	—	—	—	9y	—	—

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

Incorporated2011-02-09

Jurisdictionscotland

Primary SIC64999 — Financial intermediation not elsewhere classified

Registered office

77 Old Manse Road

Wishaw

ML2 0EW

Filing status

Accounts

Next due: 2026-11-27

Last made up to: 2025-02-27

Confirmation statement

Next due: 2026-10-26

Last: 2025-10-12

Officers (2 active · 1 resigned)

HEALY, Kevin→

secretary · appointed 2011-02-09

View their other companies + combined net worth →

Active

HEALY, Kevin→

director · ~62y · appointed 2011-02-09

View their other companies + combined net worth →

Active

LINDSAY, Hugh Ross→

director · ~75y · appointed 2011-02-09 · resigned 2019-07-30

Resigned

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