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.
Opportunity decay
hardening · 12-months
Already tight — no obvious softening catalysts on the horizon.
- · Thesis: well-run, low negotiation leverage
🔒Estimated value
—
Upgrade to see
Turnover
—
year to May 2025
Net worth
£681.0k
book net assets
Opportunity
74/100
Strong
What this business does
Primary activity: Other activities auxiliary to insurance and pension funding
Sector: Financial & insurance
Investor take
PursueStrong 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
36 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 102Positive net assets
Net assets £680,995
Cash YoY
-2%
Year on year
Key financials
2 years extracted from filed iXBRL accountsCash
£120k
↓ 2.2% YoY
Net Worth
£681k
↑ 3.6% YoY
Current Assets
£692k
↑ 4.2% YoY
Current Liabilities
—
Hover to see exact values · click legend to toggle series
Financials
Extracted from Companies House accounts · FRS 102| Metric | 2025-05-31 | 2024-05-31 |
|---|---|---|
| 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
0
filings
Last 180 days
1
filing
- • 1 accounts
Counts from Companies House filing history.
Corporate timeline (20 events)Click to expand
- 2025-11-04📄accounts-with-accounts-type-total-exemption-fullaccounts · AA
- 2025-06-11📄change-to-a-person-with-significant-controlpersons-with-significant-control · PSC04
- 2025-06-03📄change-person-director-company-with-change-dateofficers · CH01
- 2024-10-02📄accounts-with-accounts-type-total-exemption-fullaccounts · AA
- 2023-09-14📄accounts-with-accounts-type-total-exemption-fullaccounts · AA
- 2022-08-12📄memorandum-articlesincorporation · MA
- 2022-08-12📄resolutionresolution · RESOLUTIONS
- 2022-08-12📄capital-variation-of-rights-attached-to-sharescapital · SH10
- 2022-08-12📄capital-name-of-class-of-sharescapital · SH08
- 2022-07-05📄accounts-with-accounts-type-total-exemption-fullaccounts · AA
- 2021-07-05📄accounts-with-accounts-type-total-exemption-fullaccounts · AA
- 2020-06-29📄accounts-with-accounts-type-total-exemption-fullaccounts · AA
- 2019-06-21📄accounts-with-accounts-type-total-exemption-fullaccounts · AA
- 2019-05-31📄notification-of-a-person-with-significant-controlpersons-with-significant-control · PSC01
- 2019-02-01📄accounts-with-accounts-type-total-exemption-fullaccounts · AA
- 2018-07-31📄change-person-director-company-with-change-dateofficers · CH01
- 2017-09-22📍change-registered-office-address-company-with-date-old-address-new-addressaddress · AD01
- 2014-07-08➕HARRIS, Matthew John appointeddirector
- 2013-05-21🏢Company incorporatedAs DALBEATH FINANCIAL PLANNING LTD
- 2013-05-21➕COCHRAN, Wendy appointeddirector
Owner dependency
63/100
High — earn-out structure requiredMaterial 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 signalSome 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
cleanNo 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 |
|---|---|---|---|---|
Mr Matthew John Harris Individual · British · DOB 02/1974 · age 52 | 25–50% | — | 25-50% shares | 01/05/2017 |
Mrs Wendy Cochran Individual · Scottish · DOB 11/1971 · age 55 | 25–50% | — | 25-50% shares | 01/05/2017 |
From Companies House Persons with Significant Control filings. Share ranges are banded per the public PSC regime.
Similar companies
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|---|---|---|---|---|---|---|---|
| EAL FINANCE LIMITED→ SC659356 · est 2020 · no financials extracted | — | — | — | — | 6y | — | — |
| ECI 10 FP LIMITED→ SC474729 · est 2014 · no financials extracted | — | — | — | — | 12y | — | — |
| ECI 10 GP LIMITED→ SC474728 · est 2014 · no financials extracted | — | — | — | — | 12y | — | — |
| ECI GP SCOTLAND LIMITED→ SC163704 · est 1996 · no financials extracted | — | — | — | — | 30y | — | — |
| EDINBURGH ALTERNATIVE FINANCE LIMITED→ SC468392 · est 2014 · no financials extracted | — | — | — | — | 12y | — | — |
| EDINBURGH CAPITAL MANAGEMENT LIMITED→ SC286989 · est 2005 · no financials extracted | — | — | — | — | 20y | — | — |
| EDINBURGH CITY LTD.→ SC403324 · est 2011 · no financials extracted | — | — | — | — | 14y | — | — |
| EDINBURGH MA LTD→ SC710099 · est 2021 · no financials extracted | — | — | — | — | 4y | — | — |
| EDINBURGH MC LTD→ SC681437 · est 2020 · no financials extracted | — | — | — | — | 5y | — | — |
| EDINBURGH MORTGAGE CORPORATION LIMITED→ SC161991 · est 1995 · no financials extracted | — | — | — | — | 30y | — | — |
| EDINBURGH RISK MANAGEMENT (GENERAL) LIMITED→ SC222279 · est 2001 · no financials extracted | — | — | — | — | 24y | — | — |
| EDINBURGH RISK MANAGEMENT LIMITED→ SC456730 · est 2013 · 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
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: 2026-06-01
Last: 2025-05-18
Officers (2 active · 0 resigned)
COCHRAN, Wendy→
Activedirector · ~55y · appointed 2013-05-21
View their other companies + combined net worth →
HARRIS, Matthew John→
Activedirector · ~52y · appointed 2014-07-08
View their other companies + combined net worth →
Click a director name to see their full track record across all companies.
Recent filings (36 total)
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
accounts-with-accounts-type-total-exemption-full
accounts · AA
2021-07-05