M B FINANCIAL PLANNING LIMITED
🌳Matureactive
SC517602 · ltd · incorporated 2015-10-09
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 Oct 2025
Net worth
£61.2k
book net assets
Opportunity
79/100
Strong
What this business does
Primary activity: Activities of insurance agents and brokers
Sector: Financial & insurance
Investor take
PursueStrong opportunity: asset-holding vehicle with strong profile and bankable structure.
Opportunity 79/100 (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: share sale to pe / searcher (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
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
29 filings on record
85
Gazette notices
No matching gazette notices (standard for active companies)
60
Opportunity Score
79/100Strong
PassWatchWorth a lookStrongExceptional
Solid opportunity signal. Worth a dedicated memo and management meeting.
Business quality
70
Active, clean filings, stable charge profile.
Acquirability
75
Strong succession / seller-readiness signals.
Risk profile
85
Few red flags.
Signal strength
90
Good data coverage for analysis.
Signals from accounts
Derived from iXBRL accounts · accounting standard not declaredPositive net assets
Net assets £61,169
Cash YoY
+238%
Year on year
Key financials
2 years extracted from filed iXBRL accountsCash
£118k
↑ 238% YoY
Net Worth
£61k
↑ 90% YoY
Current Assets
£143k
↑ 40% YoY
Current Liabilities
—
Hover to see exact values · click legend to toggle series
Financials
Extracted from Companies House accounts · accounting standard unknown| Metric | 2025-10-31 | 2024-10-31 |
|---|---|---|
| Total assets | £82.1k | £58.4k |
| Current assets | £142.7k | £101.9k |
| Cash | £118.4k | £35.1k |
| Debtors | £24.3k | £66.8k |
| Net assets | £61.2k | £32.3k |
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 accounts
Last 180 days
1
filing
- • 1 accounts
Counts from Companies House filing history.
Corporate timeline (18 events)Click to expand
- 2026-02-26📄accounts-with-accounts-type-unaudited-abridgedaccounts · AA
- 2025-03-05📄accounts-with-accounts-type-unaudited-abridgedaccounts · AA
- 2025-02-25📄change-person-director-company-with-change-dateofficers · CH01
- 2025-02-25📄change-to-a-person-with-significant-controlpersons-with-significant-control · PSC04
- 2024-07-05📄accounts-with-accounts-type-unaudited-abridgedaccounts · AA
- 2023-04-24📄accounts-with-accounts-type-unaudited-abridgedaccounts · AA
- 2022-10-10📄change-to-a-person-with-significant-controlpersons-with-significant-control · PSC04
- 2022-10-10📄change-to-a-person-with-significant-controlpersons-with-significant-control · PSC04
- 2022-03-18📄accounts-with-accounts-type-unaudited-abridgedaccounts · AA
- 2021-10-08📍change-registered-office-address-company-with-date-old-address-new-addressaddress · AD01
- 2021-06-03📄accounts-with-accounts-type-unaudited-abridgedaccounts · AA
- 2020-03-16📄accounts-with-accounts-type-unaudited-abridgedaccounts · AA
- 2019-06-27📄accounts-with-accounts-type-unaudited-abridgedaccounts · AA
- 2018-05-29📄accounts-with-accounts-type-unaudited-abridgedaccounts · AA
- 2017-04-06📄accounts-with-accounts-type-unaudited-abridgedaccounts · AA
- 2016-08-19➕BOTTOMLEY, Kenneth Ross appointeddirector
- 2015-10-09🏢Company incorporatedAs M B FINANCIAL PLANNING LIMITED
- 2015-10-09➕MCNEILL, Stewart appointeddirector
Owner dependency
71/100
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.
- +Senior director age: Director aged approximately 60 — approaching natural succession window.
- +No director turnover: Company is 11 years old with no director changes — suggests a very tight-knit founder team never broadened.
Succession & seller-readiness
51/100
Moderate signalSome succession indicators present. Worth watching; approach if sector/strategy fits.
SIGNALS
- secondaryFounder aged 58+: Senior director is approximately 60. Early succession window.
- secondaryTwo-director governance: Small-team governance. Succession depth is thin but not absent.
- 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 Kenneth Ross Bottomley Individual · British · DOB 10/1967 · age 59 | 25–50% | 25–50% | 25-50% shares · 25-50% voting | 06/04/2016 |
Mr Stewart Mcneill Individual · British · DOB 08/1966 · age 60 | 25–50% | 25–50% | 25-50% shares · 25-50% voting | 06/04/2016 |
From Companies House Persons with Significant Control filings. Share ranges are banded per the public PSC regime.
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|---|---|---|---|---|---|---|---|
| PAUL MCFADYEN LTD→ SC840448 · est 2025 · no financials extracted | — | — | — | — | 1y | — | — |
| PAUL RUSSELL PORTFOLIO LIMITED→ SC424923 · est 2012 · no financials extracted | — | — | — | — | 13y | — | — |
| PENTA 2013 SP LIMITED→ SC455660 · est 2013 · no financials extracted | — | — | — | — | 12y | — | — |
| PENTA CO-INVEST GP LIMITED→ SC340002 · est 2008 · no financials extracted | — | — | — | — | 18y | — | — |
| PENTA TPA GP LIMITED→ SC751441 · est 2022 · no financials extracted | — | — | — | — | 3y | — | — |
| PEOPLESCHAMPION.COM LIMITED→ SC270602 · est 2004 · no financials extracted | — | — | — | — | 21y | — | — |
| PERSONAL INVESTMENT PLANNING LIMITED→ SC190901 · est 1998 · no financials extracted | — | — | — | — | 27y | — | — |
| PERSPECT FINANCIAL PLANNING LIMITED→ SC699869 · est 2021 · no financials extracted | — | — | — | — | 4y | — | — |
| PHILLIPS FINANCIAL LTD→ SC787333 · est 2023 · no financials extracted | — | — | — | — | 2y | — | — |
| PHONESMART INVESTMENTS LTD→ SC657983 · est 2020 · no financials extracted | — | — | — | — | 6y | — | — |
| PINE ADVISERS LTD→ SC878239 · est 2026 · no financials extracted | — | — | — | — | — | — | — |
| PINNACLE FINANCE ASSOCIATES LIMITED→ SC851439 · est 2025 · no financials extracted | — | — | — | — | — | — | — |
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
Incorporated2015-10-09
Jurisdictionscotland
Primary SIC66220 — Activities of insurance agents and brokers
Registered office
Bradbury House
10 High Craighall Road
Glasgow
G4 9UD
Scotland
Filing status
Accounts
Next due: 2027-07-31
Last made up to: 2025-10-31
Confirmation statement
Next due: 2026-10-22
Last: 2025-10-08
Officers (2 active · 0 resigned)
BOTTOMLEY, Kenneth Ross→
Activedirector · ~59y · appointed 2016-08-19
View their other companies + combined net worth →
MCNEILL, Stewart→
Activedirector · ~60y · appointed 2015-10-09
View their other companies + combined net worth →
Click a director name to see their full track record across all companies.
Recent filings (29 total)
accounts-with-accounts-type-unaudited-abridged
accounts · AA
2026-02-26
confirmation-statement-with-no-updates
confirmation-statement · CS01
2025-10-16
accounts-with-accounts-type-unaudited-abridged
accounts · AA
2025-03-05
change-person-director-company-with-change-date
officers · CH01
2025-02-25
change-to-a-person-with-significant-control
persons-with-significant-control · PSC04
2025-02-25
confirmation-statement-with-no-updates
confirmation-statement · CS01
2024-10-15
accounts-with-accounts-type-unaudited-abridged
accounts · AA
2024-07-05
confirmation-statement-with-no-updates
confirmation-statement · CS01
2023-10-16
accounts-with-accounts-type-unaudited-abridged
accounts · AA
2023-04-24
confirmation-statement-with-no-updates
confirmation-statement · CS01
2022-10-11
change-to-a-person-with-significant-control
persons-with-significant-control · PSC04
2022-10-10
change-to-a-person-with-significant-control
persons-with-significant-control · PSC04
2022-10-10
accounts-with-accounts-type-unaudited-abridged
accounts · AA
2022-03-18
confirmation-statement-with-no-updates
confirmation-statement · CS01
2021-10-08
change-registered-office-address-company-with-date-old-address-new-address
address · AD01
2021-10-08