ACCENT FINANCIAL PLANNING LIMITED
🌿Early-stageactive
14865187 · ltd · incorporated 2023-05-12
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.
🔒Estimated value
—
Upgrade to see
Turnover
—
not disclosed
Net worth
—
book net assets
Opportunity
76/100
Strong
What this business does
Primary activity: Financial intermediation not elsewhere classified
Sector: Financial & insurance
Investor take
PursueActive trading company with a 75-year-old founder — textbook succession opportunity.
Opportunity 76/100 (strong), bankability 70/100. Strong seller-intent signal (60/100, director aged 75). Share purchase looks the cleaner deal structure. Most likely exit: share sale to pe / searcher (73/100).
Data confidence
Overall: medium (57/100)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
No iXBRL financials extracted
0
Lenders & charges
Confirmed no charges registered
85
Directors & officers
4 officers (2 active, 4 linked, 4 with DOB)
90
Ownership & PSC
1 active PSC(s) of 1 total, 1 with control declared
90
Director network
2 connected companies via shared directors
51
Filing history
11 filings on record
85
Gazette notices
No matching gazette notices (standard for active companies)
60
Opportunity Score
76/100Strong
PassWatchWorth a lookStrongExceptional
Solid opportunity signal. Worth a dedicated memo and management meeting.
Business quality
60
Adequate — check latest filings for context.
Acquirability
75
Strong succession / seller-readiness signals.
Risk profile
85
Few red flags.
Signal strength
90
Good data coverage for analysis.
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 (16 events)Click to expand
- 2025-10-06📄termination-director-company-with-name-termination-dateofficers · TM01
- 2025-09-01➖DAVY, Sheriden Lee resigneddirector
- 2025-07-21📄appoint-person-director-company-with-name-dateofficers · AP01
- 2025-07-11➕DAVY, Sheriden Lee appointeddirector
- 2024-09-16📄accounts-with-accounts-type-total-exemption-fullaccounts · AA
- 2024-02-09➖DYER, Joseph Richard resigneddirector
- 2024-02-09📄termination-director-company-with-name-termination-dateofficers · TM01
- 2023-11-29📄appoint-person-director-company-with-name-dateofficers · AP01
- 2023-11-01➕VALLELY, Brian appointeddirector
- 2023-08-24📄accounts-with-accounts-type-total-exemption-fullaccounts · AA
- 2023-07-26📄change-person-director-company-with-change-dateofficers · CH01
- 2023-06-01📄change-account-reference-date-company-current-shortenedaccounts · AA01
- 2023-05-12🏢Company incorporatedAs ACCENT FINANCIAL PLANNING LIMITED
- 2023-05-12➕GARDNER, James Alexander appointeddirector
- 2023-05-12➕DYER, Joseph Richard appointeddirector
- 2023-05-12📄incorporation-companyincorporation · NEWINC
Owner dependency
78/100
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.
- +Founder age: Director aged approximately 75 — succession pressure is live.
- +Young company: Only 3.0 years old — management layer unlikely to be developed.
Succession & seller-readiness
66/100
Strong succession signalMultiple signals suggest succession is on the horizon. Candidate for proactive outreach.
SIGNALS
- primaryFounder aged 70+: Senior director is approximately 75 years old. Natural succession window is now.
- 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.)
Group structure
Tower Harratz Limited is the ultimate parent — holding 75%+ shares. This company sits inside their group.
🏛️ultimate parent
Tower Harratz Limited
Corporate parent · holds 75-100% shares · board control
⬇
ACCENT FINANCIAL PLANNING LIMITED
This company · 14865187
Parent relationships inferred from Persons with Significant Control filings. Full subsidiary tree requires reverse-lookup (coming).
Shareholders & ownership
1 active beneficial owner · dominant holder ≥75%| Name | Shares | Voting rights | Nature of control | Notified |
|---|---|---|---|---|
Tower Harratz Limited Corporate entity | 75–100% | 75–100% | board control75-100% shares · 75-100% voting · board control | 12/05/2023 |
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
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|---|---|---|---|---|---|---|---|
| 1 STOP FINANCIAL LTD→ 09570072 · est 2015 · no financials extracted | — | — | — | — | 10y | — | — |
| 2C'S MORTGAGE SERVICES LTD→ 12029195 · est 2019 · no financials extracted | — | — | — | — | 6y | — | — |
| 32 SQUARED PROTECT LTD→ 11947701 · est 2019 · no financials extracted | — | — | — | — | 7y | — | — |
| 365FS LIMITED→ 17057102 · est 2026 · no financials extracted | — | — | — | — | — | — | — |
| 4 FINANCIAL PLANNING LTD→ 12136772 · est 2019 · no financials extracted | — | — | — | — | 6y | — | — |
| 9X GROUP UK LIMITED→ 17003112 · est 2026 · no financials extracted | — | — | — | — | — | — | — |
| A FERGUSON LIMITED→ 08420919 · est 2013 · no financials extracted | — | — | — | — | 13y | — | — |
| A. D. ADAMS & CO LTD→ 15641973 · est 2024 · no financials extracted | — | — | — | — | 2y | — | — |
| ABCD PROPERTY FINANCE LTD→ 16933553 · est 2025 · no financials extracted | — | — | — | — | — | — | — |
| ABSM INVESTMENTS LTD→ 12846795 · est 2020 · no financials extracted | — | — | — | — | 5y | — | — |
| ABSOLUTE FINANCIAL ADVICE LIMITED→ 09724081 · est 2015 · no financials extracted | — | — | — | — | 10y | — | — |
| ACCORD INTERNATIONAL PLANNING LIMITED→ 11232639 · est 2018 · no financials extracted | — | — | — | — | 8y | — | — |
Peers ranked by estimated value, then turnover, then opportunity score.See all →
🔒Tailored diligence questions
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 →🔒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
Incorporated2023-05-12
Jurisdictionengland-wales
Primary SIC64999 — Financial intermediation not elsewhere classified
Registered office
1 The Square
Temple Quay
Bristol
BS1 6DG
United Kingdom
Filing status
Accounts
Next due: 2026-04-30
Last made up to: 2024-07-31
Confirmation statement
Next due: 2026-05-25
Last: 2025-05-11
Officers (2 active · 2 resigned)
GARDNER, James Alexander→
Activedirector · ~41y · appointed 2023-05-12
View their other companies + combined net worth →
VALLELY, Brian→
Activedirector · ~75y · appointed 2023-11-01
View their other companies + combined net worth →
DAVY, Sheriden Lee→
Resigneddirector · ~52y · appointed 2025-07-11 · resigned 2025-09-01
DYER, Joseph Richard→
Resigneddirector · ~43y · appointed 2023-05-12 · resigned 2024-02-09
Click a director name to see their full track record across all companies.
Recent filings (11 total)
termination-director-company-with-name-termination-date
officers · TM01
2025-10-06
appoint-person-director-company-with-name-date
officers · AP01
2025-07-21
confirmation-statement-with-updates
confirmation-statement · CS01
2025-05-21
accounts-with-accounts-type-total-exemption-full
accounts · AA
2024-09-16
confirmation-statement-with-no-updates
confirmation-statement · CS01
2024-05-13
termination-director-company-with-name-termination-date
officers · TM01
2024-02-09
appoint-person-director-company-with-name-date
officers · AP01
2023-11-29
accounts-with-accounts-type-total-exemption-full
accounts · AA
2023-08-24
change-person-director-company-with-change-date
officers · CH01
2023-07-26
change-account-reference-date-company-current-shortened
accounts · AA01
2023-06-01
incorporation-company
incorporation · NEWINC
2023-05-12