1ST PLANNER LTD
🌳Matureactive
07799768 · ltd · incorporated 2011-10-06
Investment thesis
Established operating company — standard diligence applies, no dominant angle.
Why interesting: Live, filing, normal profile.
Why risky: No standout signals in either direction.
Opportunity decay
approaching window · 12-months
Approaching a transaction window — refinance or sale event plausible in the next 12 months.
- · Oldest live charge 11.9y old — refinance window within 12 months
🔒Estimated value
—
Upgrade to see
Turnover
—
year to Oct 2024
Net worth
—
book net assets
Opportunity
75/100
Strong
What this business does
Primary activity: Management consultancy activities other than financial management
Sector: Professional, scientific & technical
Investor take
PursueStrong opportunity: active trading company with strong profile and bankable structure.
Opportunity 75/100 (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 (58/100).
🏦
Refinance opportunity
3 live charges · 2 lenders · oldest 11.9y
70/100
ready
Refinance conversation should be productive — structure clean and timing right.
- · Oldest live charge is 11.9 years old — likely at or near maturity.
- · Two lenders — manageable, but coordination required.
- · 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
3 charges (3/3 with lender, 3/3 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
37 filings on record
85
Gazette notices
No matching gazette notices (standard for active companies)
60
Opportunity Score
75/100Strong
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
100
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 | 2024-10-31 | 2023-10-31 |
|---|---|---|
| Average employees | 1200 | 1200 |
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
0
filings
Counts from Companies House filing history.
Corporate timeline (21 events)Click to expand
- 2025-09-19📄mortgage-create-with-deed-with-charge-number-charge-creation-datemortgage · MR01
- 2025-09-19🔒Charge registered #3Lender: 4SYTE LTD
- 2025-06-06📄accounts-with-accounts-type-total-exemption-fullaccounts · AA
- 2024-06-07📄accounts-with-accounts-type-total-exemption-fullaccounts · AA
- 2023-07-26📄accounts-with-accounts-type-total-exemption-fullaccounts · AA
- 2022-07-28📄accounts-with-accounts-type-total-exemption-fullaccounts · AA
- 2021-05-06📄accounts-with-accounts-type-total-exemption-fullaccounts · AA
- 2020-11-02📍change-registered-office-address-company-with-date-old-address-new-addressaddress · AD01
- 2020-10-30📄accounts-with-accounts-type-total-exemption-fullaccounts · AA
- 2019-07-31📄accounts-with-accounts-type-total-exemption-fullaccounts · AA
- 2019-05-22📍change-registered-office-address-company-with-date-old-address-new-addressaddress · AD01
- 2018-07-31📄accounts-with-accounts-type-total-exemption-fullaccounts · AA
- 2017-10-31📍change-registered-office-address-company-with-date-old-address-new-addressaddress · AD01
- 2017-07-31📄accounts-with-accounts-type-total-exemption-smallaccounts · AA
- 2016-08-02📄accounts-with-accounts-type-total-exemption-smallaccounts · AA
- 2015-12-11📄annual-return-company-with-made-up-date-full-list-shareholdersannual-return · AR01
- 2014-07-16🔒Charge registered #2Lender: Hsbc Bank PLC
- 2014-05-23🔒Charge registered #1Lender: Hsbc Bank PLC
- 2011-10-06🏢Company incorporatedAs 1ST PLANNER LTD
- 2011-10-06➕TOZER, Louise Jane appointeddirector
- 2011-10-06➕TOZER, Robert Edward 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.
- +Family involvement: Multiple officers share a surname — likely family business, which concentrates governance.
- +No director turnover: Company is 15 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 15 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 Robert Edward Tozer Individual · British · DOB 10/1977 · age 49 | 25–50% | — | 25-50% shares | 06/10/2016 |
Mrs Louise Jane Tozer Individual · British · DOB 01/1978 · age 48 | 25–50% | — | 25-50% shares | 06/10/2016 |
From Companies House Persons with Significant Control filings. Share ranges are banded per the public PSC regime.
Similar companies
Active · Professional services · DE postcode area| Company | Est. value | Turnover | Net worth | Staff | Age | Opp | Director |
|---|---|---|---|---|---|---|---|
| 1084 LTD→ 11515090 · est 2018 · no financials extracted | — | — | — | — | 7y | — | — |
| 120+3 LIMITED→ 15635412 · est 2024 · no financials extracted | — | — | — | — | 2y | — | — |
| 121 TEAM LTD→ 15662573 · est 2024 · no financials extracted | — | — | — | — | 1y | — | — |
| 22 RECRUITMENT & CONSULTANCY LTD→ 13163412 · est 2021 · no financials extracted | — | — | — | — | 5y | — | — |
| 258 ACCOUNTS LTD→ 15647748 · est 2024 · no financials extracted | — | — | — | — | 2y | — | — |
| 258 S LIMITED→ 10015312 · est 2016 · no financials extracted | — | — | — | — | 10y | — | — |
| 2JCP LIMITED→ 10264773 · est 2016 · no financials extracted | — | — | — | — | 9y | — | — |
| 2SW CONSULTING LTD→ 10379158 · est 2016 · no financials extracted | — | — | — | — | 9y | — | — |
| 333 ENTERPRISES LTD→ 11890506 · est 2019 · no financials extracted | — | — | — | — | 7y | — | — |
| 360 STUDIO LTD→ 16841494 · est 2025 · no financials extracted | — | — | — | — | — | — | — |
| 365 CONSULT LTD→ 16347418 · est 2025 · no financials extracted | — | — | — | — | 1y | — | — |
| 3C MARINE LTD→ 09347428 · est 2014 · no financials extracted | — | — | — | — | 11y | — | — |
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
Incorporated2011-10-06
Jurisdictionengland-wales
Primary SIC70229 — Management consultancy activities other than financial management
Registered office
18 Brunswood Road
Matlock Bath
Matlock
DE4 3PA
England
Filing status
Accounts
Next due: 2026-07-31
Last made up to: 2024-10-31
Confirmation statement
Next due: 2026-10-20
Last: 2025-10-06
Officers (2 active · 0 resigned)
TOZER, Louise Jane→
Activedirector · ~48y · appointed 2011-10-06
View their other companies + combined net worth →
TOZER, Robert Edward→
Activedirector · ~49y · appointed 2011-10-06
View their other companies + combined net worth →
Click a director name to see their full track record across all companies.
Mortgages & charges
3
Total charges
3
Outstanding
2
Active lenders
Status:Lender:3 of 3 shown
| Type | Properties | |||||
|---|---|---|---|---|---|---|
| outstanding | 4SYTE 4SYTE LTD | A registered charge | 1 property | 19/09/2025 | — | |
| outstanding | HSBC Hsbc Bank PLC | A registered charge | 1 property | 16/07/2014 | — | |
| outstanding | HSBC Hsbc Bank PLC | A registered charge | — | 23/05/2014 | — |
Click column headers to sort. Use filters above to narrow by status and lender.
Recent filings (37 total)
confirmation-statement-with-no-updates
confirmation-statement · CS01
2025-10-20
mortgage-create-with-deed-with-charge-number-charge-creation-date
mortgage · MR01
2025-09-19
accounts-with-accounts-type-total-exemption-full
accounts · AA
2025-06-06
confirmation-statement-with-no-updates
confirmation-statement · CS01
2024-10-07
accounts-with-accounts-type-total-exemption-full
accounts · AA
2024-06-07
confirmation-statement-with-no-updates
confirmation-statement · CS01
2023-10-18
accounts-with-accounts-type-total-exemption-full
accounts · AA
2023-07-26
confirmation-statement-with-no-updates
confirmation-statement · CS01
2022-10-18
accounts-with-accounts-type-total-exemption-full
accounts · AA
2022-07-28
confirmation-statement-with-no-updates
confirmation-statement · CS01
2021-10-22
accounts-with-accounts-type-total-exemption-full
accounts · AA
2021-05-06
change-registered-office-address-company-with-date-old-address-new-address
address · AD01
2020-11-02
confirmation-statement-with-no-updates
confirmation-statement · CS01
2020-10-31
accounts-with-accounts-type-total-exemption-full
accounts · AA
2020-10-30
confirmation-statement-with-no-updates
confirmation-statement · CS01
2019-10-17