THISTLE AND OAK FINANCIAL PLANNING LTD
Opportunity 70/100 (strong), bankability 65/100. High owner-dependency — earn-out structure likely required for clean transition. Share purchase looks the cleaner deal structure. Biggest value-creation lever: Broaden director team. Sole director creates succession risk and reduces buyer comfort. Appoint a second director or strong #2. Most likely exit: strategic trade sale (65/100).
Data confidence
Overall: low (54/100)Sparse data coverage. Treat AI-generated outputs as preliminary. Manual diligence essential.
Solid opportunity signal. Worth a dedicated memo and management meeting.
Recent activity
- • 1 officers
Corporate timeline (4 events)Click to expand
- 2026-01-09📄change-person-director-company-with-change-dateofficers · CH01
- 2025-11-03🏢Company incorporatedAs THISTLE AND OAK FINANCIAL PLANNING LTD
- 2025-11-03➕GOBBI, Michael Aldo appointeddirector
- 2025-11-03📄incorporation-companyincorporation · NEWINC
Owner dependency
The business appears inseparable from the founder. Acquisition without a serious earn-out or meaningful transition period would likely destroy value.
- +Sole director: Only one active director — all governance concentrated on one person.
- +Young company: Only 0.5 years old — management layer unlikely to be developed.
Succession & seller-readiness
Some succession indicators present. Worth watching; approach if sector/strategy fits.
- primarySole active director: Only one director in control. No visible successor — buyers solve the succession problem.
Red flags
cleanShareholders & ownership
1 active beneficial owner · dominant holder ≥75%| Name | Shares | Voting rights | Nature of control | Notified |
|---|---|---|---|---|
Mr Michael Aldo Gobbi Individual · British · DOB 06/1985 · age 41 | 75–100% | 75–100% | board control75-100% shares · 75-100% voting · board control | 03/11/2025 |
From Companies House Persons with Significant Control filings. Share ranges are banded per the public PSC regime.
Radial SVG graph showing every company connected via shared directors, colour-coded by status.
Available from the Pro tier upwards.
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Active · Financial services · FK postcode area| Company | Est. value | Turnover | Net worth | Staff | Age | Opp | Director |
|---|---|---|---|---|---|---|---|
| RUSSEL + AITKEN NOMINEES LIMITED→ SC052053 · est 1972 | — | — | — | 5 | 53y | 83 | 69y |
| DENIS O. BROWN & ASSOCIATES LIMITED→ SC046416 · est 1969 · no financials extracted | — | — | — | — | 57y | 82 | 67y |
| FULCRUM INSURED EMPLOYEE BENEFITS LIMITED→ SC335390 · est 2007 | — | — | £89.8k | — | 18y | 82 | 65y |
| GEORGE GILL FINANCIAL SERVICES LTD.→ SC299207 · est 2006 | — | — | £110.3k | — | 20y | 82 | 61y |
| THE MORTGAGE DESK (SCOTLAND) LIMITED→ SC143635 · est 1993 | — | — | — | — | 33y | 82 | 77y |
| A.R.D. CONSULTANCY LIMITED→ SC334089 · est 2007 | — | — | — | 900 | 18y | 81 | 64y |
| ASSET & GENERAL FINANCE LTD→ SC308532 · est 2006 | — | — | £1.6k | — | 19y | 81 | 63y |
| FRASER TENNANT FINANCIAL SOLUTIONS LIMITED→ SC249345 · est 2003 · no financials extracted | — | — | — | — | 23y | 81 | 61y |
| STRATEGIC INNOVATIVE FINANCE LTD.→ SC265516 · est 2004 | — | — | £5.5k | — | 22y | 81 | 64y |
| ASM RECOVERY LIMITED→ SC340517 · est 2008 | — | — | — | 100 | 18y | 80 | 65y |
| FALKIRK MORTGAGE ADVICE CENTRE (SCOTLAND) LTD→ SC358034 · est 2009 | — | — | £16.8k | — | 17y | 80 | 59y |
| GT MORTGAGES LTD.→ SC298635 · est 2006 | — | — | — | 200 | 20y | 80 | 67y |
8 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 →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.
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Registered office
Filing status
Officers (1 active · 0 resigned)
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