INTUITIVE FINANCIAL PLANNING LIMITED
🌳Matureactive
SC507403 · ltd · incorporated 2015-06-02
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 Jun 2025
Net worth
—
book net assets
Opportunity
67/100
Strong
What this business does
Primary activity: Financial intermediation not elsewhere classified
Sector: Financial & insurance
Investor take
Pass (distressed without resilience)Distressed active trading company — structural issues outweigh the discount.
Opportunity 67/100 (strong), bankability 75/100. Share purchase looks the cleaner deal structure. Biggest value-creation lever: Resolve: 1 insolvency-related filing on record. Filings relating to insolvency, liquidation, or administration exist in the company's history. Review before proceeding. Most likely exit: strategic trade sale (65/100).
Data confidence
Overall: medium (79/100)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
5 officers (2 active, 5 linked, 5 with DOB)
90
Ownership & PSC
1 active PSC(s) of 4 total, 4 with control declared
90
Director network
1 connected companies via shared directors
48
Filing history
49 filings on record
85
Gazette notices
No matching gazette notices (standard for active companies)
60
Opportunity Score
67/100Strong
PassWatchWorth a lookStrongExceptional
Solid opportunity signal. Worth a dedicated memo and management meeting.
Business quality
70
Active, clean filings, stable charge profile.
Acquirability
50
Some acquirability indicators.
Risk profile
67
Some moderate concerns — review flags.
Signal strength
90
Good data coverage for analysis.
Key financials
2 years extracted from filed iXBRL accountsCash
—
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 | 2025-06-30 | 2024-06-30 |
|---|---|---|
| Average employees | 6 | 700 |
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
0
filings
Last 90 days
0
filings
Last 180 days
1
filing
- • 1 accounts
Counts from Companies House filing history.
Corporate timeline (30 events)Click to expand
- 2025-12-11📄accounts-with-accounts-type-total-exemption-fullaccounts · AA
- 2025-01-16📄memorandum-articlesincorporation · MA
- 2025-01-16📄resolutionresolution · RESOLUTIONS
- 2024-11-14📄accounts-with-accounts-type-total-exemption-fullaccounts · AA
- 2024-07-19📄capital-alter-shares-subdivisioncapital · SH02
- 2024-06-19📄notification-of-a-person-with-significant-controlpersons-with-significant-control · PSC01
- 2024-06-19📄withdrawal-of-a-person-with-significant-control-statementpersons-with-significant-control · PSC09
- 2024-06-19📄capital-statement-capital-company-with-date-currency-figurecapital · SH19
- 2024-06-19📄legacycapital · SH20
- 2024-06-19⚠️legacyinsolvency · CAP-SS
- 2024-06-19📄resolutionresolution · RESOLUTIONS
- 2024-06-18➕ARCHIBALD, Michael appointeddirector
- 2024-06-18➖ARCHIBALD, Michael resigneddirector
- 2024-06-18➖JOHNSON, Paul resigneddirector
- 2024-06-18➖MEIN, Richard John resigneddirector
- 2024-06-18📄termination-director-company-with-name-termination-dateofficers · TM01
- 2024-06-18📄termination-director-company-with-name-termination-dateofficers · TM01
- 2024-06-18📄appoint-person-director-company-with-name-dateofficers · AP01
- 2024-06-18📄termination-director-company-with-name-termination-dateofficers · TM01
- 2024-05-29📄capital-allotment-sharescapital · SH01
- 2024-02-05📄change-person-director-company-with-change-dateofficers · CH01
- 2024-02-05📄change-person-director-company-with-change-dateofficers · CH01
- 2024-02-05📄change-person-director-company-with-change-dateofficers · CH01
- 2024-02-01📍change-registered-office-address-company-with-date-old-address-new-addressaddress · AD01
- 2023-12-20📄accounts-with-accounts-type-total-exemption-fullaccounts · AA
- 2018-04-01➕TORY, Sarah Jane appointeddirector
- 2015-06-02🏢Company incorporatedAs INTUITIVE FINANCIAL PLANNING LIMITED
- 2015-06-02➕ARCHIBALD, Michael appointeddirector
- 2015-06-02➕JOHNSON, Paul appointeddirector
- 2015-06-02➕MEIN, Richard John appointeddirector
Owner dependency
58/100
Moderate — manageable with handoverSome founder dependency, but not acute. A structured handover period should cover most risk.
FACTORS
- +Two-director setup: Only two active directors — typical of owner-managed SMEs but limits succession.
Succession & seller-readiness
36/100
Weak signalLimited succession signal. Not a near-term off-market candidate.
SIGNALS
- secondaryTwo-director governance: Small-team governance. Succession depth is thin but not absent.
Red flags
1 high ·1 insolvency-related filing on record
highFilings relating to insolvency, liquidation, or administration exist in the company's history. Review before proceeding.
Evidence: 2024-06-19: legacy
Shareholders & ownership
1 active beneficial owner| Name | Shares | Voting rights | Nature of control | Notified |
|---|---|---|---|---|
Mrs Sarah Jane Tory Individual · British · DOB 05/1978 · age 48 | 25–50% | 25–50% | board control25-50% shares · 25-50% voting · board control | 18/06/2024 |
3 historic (ceased) PSCs
- Mr Michael Archibaldceased 24/05/2018· 25-50% shares · 25-50% voting
- Mr Paul Johnsonceased 24/05/2018· 25-50% shares · 25-50% voting
- Mr Richard John Meinceased 24/05/2018· 25-50% shares · 25-50% voting
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 · EH postcode area| Company | Est. value | Turnover | Net worth | Staff | Age | Opp | Director |
|---|---|---|---|---|---|---|---|
| HOXTON VENTURES IV, (SCOT) LTD→ SC818164 · est 2024 · no financials extracted | — | — | — | — | 1y | — | — |
| JOS 3 INVESTMENTS→ SC797776 · est 2024 · no financials extracted | — | — | — | — | 2y | — | — |
| JPMAM RE GP 2 LIMITED→ SC324322 · est 2007 · no financials extracted | — | — | — | — | 18y | — | — |
| KILGOUR INVESTMENTS LIMITED→ SC555112 · est 2017 · no financials extracted | — | — | — | — | 9y | — | — |
| KILWAUGHTER CONSULTANTS LTD.→ SC351701 · est 2008 · no financials extracted | — | — | — | — | 17y | — | — |
| KK ADVISER LTD→ SC761416 · est 2023 · no financials extracted | — | — | — | — | 3y | — | — |
| KSF III GP LIMITED→ SC672712 · est 2020 · no financials extracted | — | — | — | — | 5y | — | — |
| L3 INVESTMENT HOLDCO LIMITED→ SC521107 · est 2015 · no financials extracted | — | — | — | — | 10y | — | — |
| L3 INVESTMENT HOLDINGS GP LIMITED→ SC521123 · est 2015 · no financials extracted | — | — | — | — | 10y | — | — |
| L4 INVESTMENT HOLDINGS GP LIMITED→ SC571533 · est 2017 · no financials extracted | — | — | — | — | 8y | — | — |
| L5 INVESTMENT HOLDINGS GP LIMITED→ SC581677 · est 2017 · no financials extracted | — | — | — | — | 8y | — | — |
| LAKEJEWIS LIMITED→ SC770277 · est 2023 · no financials extracted | — | — | — | — | 2y | — | — |
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.
See pricing →Company details
Statusactive
Typeltd
Incorporated2015-06-02
Jurisdictionscotland
Primary SIC64999 — Financial intermediation not elsewhere classified
Registered office
5 South Gyle Crescent Lane
Edinburgh
EH12 9EG
Scotland
Filing status
Accounts
Next due: 2027-03-31
Last made up to: 2025-06-30
Confirmation statement
Next due: 2026-06-28
Last: 2025-06-14
Officers (2 active · 3 resigned)
ARCHIBALD, Michael→
Activedirector · ~55y · appointed 2024-06-18
View their other companies + combined net worth →
TORY, Sarah Jane→
Activedirector · ~48y · appointed 2018-04-01
View their other companies + combined net worth →
ARCHIBALD, Michael→
Resigneddirector · ~55y · appointed 2015-06-02 · resigned 2024-06-18
JOHNSON, Paul→
Resigneddirector · ~58y · appointed 2015-06-02 · resigned 2024-06-18
MEIN, Richard John→
Resigneddirector · ~64y · appointed 2015-06-02 · resigned 2024-06-18
Click a director name to see their full track record across all companies.
Recent filings (49 total)
accounts-with-accounts-type-total-exemption-full
accounts · AA
2025-12-11
confirmation-statement-with-updates
confirmation-statement · CS01
2025-06-16
memorandum-articles
incorporation · MA
2025-01-16
resolution
resolution · RESOLUTIONS
2025-01-16
accounts-with-accounts-type-total-exemption-full
accounts · AA
2024-11-14
confirmation-statement-with-updates
confirmation-statement · CS01
2024-08-06
capital-alter-shares-subdivision
capital · SH02
2024-07-19
notification-of-a-person-with-significant-control
persons-with-significant-control · PSC01
2024-06-19
withdrawal-of-a-person-with-significant-control-statement
persons-with-significant-control · PSC09
2024-06-19
capital-statement-capital-company-with-date-currency-figure
capital · SH19
2024-06-19
legacy
capital · SH20
2024-06-19
legacy
insolvency · CAP-SS
2024-06-19
resolution
resolution · RESOLUTIONS
2024-06-19
termination-director-company-with-name-termination-date
officers · TM01
2024-06-18
termination-director-company-with-name-termination-date
officers · TM01
2024-06-18