PERSPECT FINANCIAL PLANNING LIMITED
🌿Early-stageactive
SC699869 · ltd · incorporated 2021-05-26
Investment thesis
Growth-phase business — story-led; valuation sensitive to momentum.
Why interesting: Trading is scaling; acquirers paying for trajectory get disproportionate leverage.
Why risky: Price often leads fundamentals; dependency on founder often high.
Opportunity decay
approaching window · 12-months
Approaching a transaction window — refinance or sale event plausible in the next 12 months.
- · Oldest live charge 3.0y old — refinance window within 12 months
🔒Estimated value
—
Upgrade to see
Turnover
—
year to May 2025
Net worth
£88.3k
book net assets
Opportunity
71/100
Strong
What this business does
Primary activity: Financial intermediation not elsewhere classified
Sector: Financial & insurance
Investor take
PursueStrong opportunity: active trading company with strong profile and bankable structure.
Opportunity 71/100 (strong), bankability 75/100. Share purchase looks the cleaner deal structure. Most likely exit: strategic trade sale (65/100).
🏦
Refinance opportunity
1 live charge · oldest 3.0y
75/100
ready
Refinance conversation should be productive — structure clean and timing right.
- · Charge age ~3.0 years — mid-life; refi window approaching.
- · Single lender — cleanest path to refinance.
- · Legal-friction score 15/100 — clean.
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
1 charges (1/1 with lender, 1/1 with type)
90
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
17 filings on record
85
Gazette notices
No matching gazette notices (standard for active companies)
60
Opportunity Score
71/100Strong
PassWatchWorth a lookStrongExceptional
Solid opportunity signal. Worth a dedicated memo and management meeting.
Business quality
60
Adequate — check latest filings for context.
Acquirability
50
Some acquirability indicators.
Risk profile
85
Few red flags.
Signal strength
100
Good data coverage for analysis.
Signals from accounts
Derived from iXBRL accounts · accounting standard not declaredPositive net assets
Net assets £88,320
Cash YoY
+2%
Year on year
Key financials
2 years extracted from filed iXBRL accountsCash
£65k
↑ 2.4% YoY
Net Worth
£88k
↑ 83% YoY
Current Assets
£76k
↑ 2.2% YoY
Current Liabilities
—
Hover to see exact values · click legend to toggle series
Financials
Extracted from Companies House accounts · accounting standard unknown| Metric | 2025-05-31 | 2024-05-31 |
|---|---|---|
| Total assets | £334.7k | £357.5k |
| Current assets | £75.7k | £74.1k |
| Cash | £65.0k | £63.4k |
| Debtors | £10.7k | £8.0k |
| Net assets | £88.3k | £48.2k |
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
0
filings
Counts from Companies House filing history.
Corporate timeline (17 events)Click to expand
- 2025-10-25📄accounts-with-accounts-type-total-exemption-fullaccounts · AA
- 2025-10-07📄change-to-a-person-with-significant-controlpersons-with-significant-control · PSC04
- 2025-10-07📄change-person-director-company-with-change-dateofficers · CH01
- 2025-02-28📄accounts-with-accounts-type-total-exemption-fullaccounts · AA
- 2024-01-08📄accounts-with-accounts-type-total-exemption-fullaccounts · AA
- 2023-05-06📄mortgage-create-with-deed-with-charge-number-charge-creation-datemortgage · MR01
- 2023-04-24🔒Charge registered #1Lender: Openwork Services Limited
- 2023-02-09📄accounts-with-accounts-type-total-exemption-fullaccounts · AA
- 2022-11-28📄memorandum-articlesincorporation · MA
- 2022-11-28📄capital-name-of-class-of-sharescapital · SH08
- 2022-11-28📄resolutionresolution · RESOLUTIONS
- 2022-05-27📄change-to-a-person-with-significant-controlpersons-with-significant-control · PSC04
- 2022-05-27📄change-person-director-company-with-change-dateofficers · CH01
- 2021-05-26🏢Company incorporatedAs PERSPECT FINANCIAL PLANNING LIMITED
- 2021-05-26➕QUINTAL SIMPSON, Eric appointeddirector
- 2021-05-26➕WILSON, Euan appointeddirector
- 2021-05-26📄incorporation-companyincorporation · NEWINC
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
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 Euan Wilson Individual · British · DOB 12/1979 · age 47 | 50–75% | 50–75% | board control50-75% shares · 50-75% voting · board control | 26/05/2021 |
Mr Eric Quintal Simpson Individual · Portuguese · DOB 03/1988 · age 38 | 25–50% | 25–50% | 25-50% shares · 25-50% voting | 26/05/2021 |
From Companies House Persons with Significant Control filings. Share ranges are banded per the public PSC regime.
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|---|---|---|---|---|---|---|---|
| PENTA CO-INVEST GP LIMITED→ SC340002 · est 2008 · no financials extracted | — | — | — | — | 18y | — | — |
| PMG MORTGAGE SERVICES LTD→ SC705337 · est 2021 · no financials extracted | — | — | — | — | 4y | — | — |
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| PRESTIGE MORTGAGE SOLUTIONS LTD→ SC607222 · est 2018 · no financials extracted | — | — | — | — | 7y | — | — |
| PRIMROSE HEIRS UK LTD→ SC819812 · est 2024 · no financials extracted | — | — | — | — | 1y | — | — |
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| RANDOLPH THOM LTD→ SC784484 · est 2023 · no financials extracted | — | — | — | — | 2y | — | — |
| REAL FINANCE SCOTLAND LIMITED→ SC768890 · est 2023 · no financials extracted | — | — | — | — | 2y | — | — |
| RECORE HOMES UK LIMITED→ SC734767 · est 2022 · no financials extracted | — | — | — | — | 3y | — | — |
| RIVERPARK INVESTMENT & FINANCIAL CONSULTANTS LTD.→ SC220303 · est 2001 · no financials extracted | — | — | — | — | 24y | — | — |
| RLM FINANCIAL SOLUTIONS LTD→ SC770884 · est 2023 · no financials extracted | — | — | — | — | 2y | — | — |
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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
Incorporated2021-05-26
Jurisdictionscotland
Primary SIC64999 — Financial intermediation not elsewhere classified
Registered office
4 Royal Crescent
Glasgow
Lanarkshire
G3 7SL
Scotland
Filing status
Accounts
Next due: 2027-02-28
Last made up to: 2025-05-31
Confirmation statement
Next due: 2026-06-08
Last: 2025-05-25
Officers (2 active · 0 resigned)
QUINTAL SIMPSON, Eric→
Activedirector · ~38y · appointed 2021-05-26
View their other companies + combined net worth →
WILSON, Euan→
Activedirector · ~47y · appointed 2021-05-26
View their other companies + combined net worth →
Click a director name to see their full track record across all companies.
Mortgages & charges
1
Total charges
1
Outstanding
1
Active lenders
Status:Lender:1 of 1 shown
| Type | Properties | |||||
|---|---|---|---|---|---|---|
| outstanding | Openwork Services Openwork Services Limited | A registered charge | — | 24/04/2023 | — |
Click column headers to sort. Use filters above to narrow by status and lender.
Recent filings (17 total)
accounts-with-accounts-type-total-exemption-full
accounts · AA
2025-10-25
change-to-a-person-with-significant-control
persons-with-significant-control · PSC04
2025-10-07
change-person-director-company-with-change-date
officers · CH01
2025-10-07
confirmation-statement-with-no-updates
confirmation-statement · CS01
2025-05-29
accounts-with-accounts-type-total-exemption-full
accounts · AA
2025-02-28
confirmation-statement-with-no-updates
confirmation-statement · CS01
2024-05-28
accounts-with-accounts-type-total-exemption-full
accounts · AA
2024-01-08
confirmation-statement-with-updates
confirmation-statement · CS01
2023-05-31
mortgage-create-with-deed-with-charge-number-charge-creation-date
mortgage · MR01
2023-05-06
accounts-with-accounts-type-total-exemption-full
accounts · AA
2023-02-09
memorandum-articles
incorporation · MA
2022-11-28
capital-name-of-class-of-shares
capital · SH08
2022-11-28
resolution
resolution · RESOLUTIONS
2022-11-28
confirmation-statement-with-updates
confirmation-statement · CS01
2022-06-03
change-to-a-person-with-significant-control
persons-with-significant-control · PSC04
2022-05-27