DALBEATH FINANCIAL PLANNING LTD

🌳Matureactive
SC450460 · ltd · incorporated 2013-05-21
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 May 2025
Net worth
£681.0k
book net assets
Opportunity
74/100
Strong
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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: asset-holding vehicle with strong profile and bankable structure.

Opportunity 74/100 (strong), bankability 75/100. High owner-dependency — earn-out structure likely required for clean transition. Share purchase looks the cleaner deal structure. Most likely exit: strategic trade sale (65/100).

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
75
Lenders & charges
Confirmed no charges registered
85
Directors & officers
2 officers (2 active, 2 linked, 2 with DOB)
90
Ownership & PSC
2 active PSC(s) of 2 total, 2 with control declared
90
Director network
Network not yet resolved
30
Filing history
37 filings on record
85
Gazette notices
No matching gazette notices (standard for active companies)
60
Opportunity Score
74/100Strong
PassWatchWorth a lookStrongExceptional 

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

Business quality
70
Active, clean filings, stable charge profile.
Acquirability
55
Some acquirability indicators.
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 £680,995
Cash YoY
-2%
Year on year

Key financials

2 years extracted from filed iXBRL accounts
Cash
£120k
↓ 2.2% YoY
Net Worth
£681k
↑ 3.6% YoY
Current Assets
£692k
↑ 4.2% YoY
Current Liabilities
—
£0£138k£277k£415k£554k£692kMay 2024May 2025

Hover to see exact values · click legend to toggle series

Financials

Extracted from Companies House accounts · FRS 102
Metric2025-05-312024-05-31
Total assets£688.4k£660.4k
Current assets£692.2k£664.3k
Cash£119.9k£122.6k
Debtors£480£519
Net assets£681.0k£657.1k

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
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 (19 events)Click to expand
  1. 2025-11-04
    📄
    accounts-with-accounts-type-total-exemption-full
    accounts · AA
  2. 2025-06-11
    📄
    change-to-a-person-with-significant-control
    persons-with-significant-control · PSC04
  3. 2025-06-03
    📄
    change-person-director-company-with-change-date
    officers · CH01
  4. 2024-10-02
    📄
    accounts-with-accounts-type-total-exemption-full
    accounts · AA
  5. 2023-09-14
    📄
    accounts-with-accounts-type-total-exemption-full
    accounts · AA
  6. 2022-08-12
    📄
    memorandum-articles
    incorporation · MA
  7. 2022-08-12
    📄
    resolution
    resolution · RESOLUTIONS
  8. 2022-08-12
    📄
    capital-variation-of-rights-attached-to-shares
    capital · SH10
  9. 2022-08-12
    📄
    capital-name-of-class-of-shares
    capital · SH08
  10. 2022-07-05
    📄
    accounts-with-accounts-type-total-exemption-full
    accounts · AA
  11. 2021-07-05
    📄
    accounts-with-accounts-type-total-exemption-full
    accounts · AA
  12. 2020-06-29
    📄
    accounts-with-accounts-type-total-exemption-full
    accounts · AA
  13. 2019-06-21
    📄
    accounts-with-accounts-type-total-exemption-full
    accounts · AA
  14. 2019-05-31
    📄
    notification-of-a-person-with-significant-control
    persons-with-significant-control · PSC01
  15. 2019-02-01
    📄
    accounts-with-accounts-type-total-exemption-full
    accounts · AA
  16. 2018-07-31
    📄
    change-person-director-company-with-change-date
    officers · CH01
  17. 2014-07-08
    ➕
    HARRIS, Matthew John appointed
    director
  18. 2013-05-21
    🏢
    Company incorporated
    As DALBEATH FINANCIAL PLANNING LTD
  19. 2013-05-21
    ➕
    COCHRAN, Wendy appointed
    director

Owner dependency

63/100
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.
  • +No director turnover: Company is 13 years old with no director changes — suggests a very tight-knit founder team never broadened.

Succession & seller-readiness

49/100
Moderate signal

Some succession indicators present. Worth watching; approach if sector/strategy fits.

SIGNALS
  • secondaryTwo-director governance: Small-team governance. Succession depth is thin but not absent.
  • secondary12+ year tenure: Director in role 13 years.
  • 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
NameSharesVoting rightsNature of controlNotified
Mr Matthew John Harris
Individual · British · DOB 02/1974 · age 52
25–50%
—25-50% shares01/05/2017
Mrs Wendy Cochran
Individual · Scottish · DOB 11/1971 · age 55
25–50%
—25-50% shares01/05/2017

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

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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
Incorporated2013-05-21
Jurisdictionscotland
Primary SIC66290 — Other activities auxiliary to insurance and pension funding

Registered office

Hudson House
8 Albany Street
Edinburgh
EH1 3QB
United Kingdom

Filing status

Accounts
Next due: 2027-02-28
Last made up to: 2025-05-31
Confirmation statement
Next due: 2027-06-01
Last: 2026-05-18

Officers (2 active · 0 resigned)

COCHRAN, Wendy→
director · ~55y · appointed 2013-05-21
View their other companies + combined net worth →
Active
HARRIS, Matthew John→
director · ~52y · appointed 2014-07-08
View their other companies + combined net worth →
Active

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

Recent filings (37 total)

confirmation-statement-with-updates
confirmation-statement · CS01
2026-05-29
accounts-with-accounts-type-total-exemption-full
accounts · AA
2025-11-04
confirmation-statement-with-no-updates
confirmation-statement · CS01
2025-06-11
change-to-a-person-with-significant-control
persons-with-significant-control · PSC04
2025-06-11
change-person-director-company-with-change-date
officers · CH01
2025-06-03
accounts-with-accounts-type-total-exemption-full
accounts · AA
2024-10-02
confirmation-statement-with-updates
confirmation-statement · CS01
2024-06-11
accounts-with-accounts-type-total-exemption-full
accounts · AA
2023-09-14
confirmation-statement-with-no-updates
confirmation-statement · CS01
2023-06-02
memorandum-articles
incorporation · MA
2022-08-12
resolution
resolution · RESOLUTIONS
2022-08-12
capital-variation-of-rights-attached-to-shares
capital · SH10
2022-08-12
capital-name-of-class-of-shares
capital · SH08
2022-08-12
accounts-with-accounts-type-total-exemption-full
accounts · AA
2022-07-05
confirmation-statement-with-no-updates
confirmation-statement · CS01
2022-06-06