ACUMEN FINANCIAL PLANNING LIMITED

🌳Matureactive

SC215343 · ltd · incorporated 2001-02-02

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 8.7y old — refinance window within 12 months

🔒Estimated value

—

Upgrade to see

Turnover

—

year to Oct 2024

Net worth

£1.05M

book net assets

Opportunity

83/100

Exceptional

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What this business does

Primary activity: Other business support service activities n.e.c.

Sector: Administrative & support services

Investor take

Pursue

Active trading company with a 74-year-old founder — textbook succession opportunity.

Opportunity 83/100 (exceptional), bankability 80/100. Strong seller-intent signal (63/100, director aged 74). Share purchase looks the cleaner deal structure. Most likely exit: share sale to pe / searcher (65/100).

🏦

Refinance opportunity

1 live charge · oldest 8.7y

85/100

ready

Refinance conversation should be productive — structure clean and timing right.

· Oldest live charge is 8.7 years old — likely at or near maturity.
· Single lender — cleanest path to refinance.
· Legal-friction score 15/100 — clean.

Data confidence

Overall: high (82/100)

Strong data coverage across all sections. AI outputs should be trusted with minimal caveats.

Company profile

address, 1 SIC codes, incorporation date

100

Financials

2 years of iXBRL accounts extracted (YoY deltas available) + narrative notes parsed

Lenders & charges

1 charges (1/1 with lender, 1/1 with type)

Directors & officers

11 officers (6 active, 11 linked, 9 with DOB)

Ownership & PSC

1 active PSC(s) of 1 total, 1 with control declared

Director network

8 connected companies via shared directors

Filing history

113 filings on record

Gazette notices

No matching gazette notices (standard for active companies)

Opportunity Score

83/100Exceptional

PassWatchWorth a lookStrongExceptional

Strong composite across quality, acquirability, and risk. High-priority target — progress to serious diligence.

Business quality

Active, clean filings, stable charge profile.

Acquirability

Strong succession / seller-readiness signals.

Risk profile

Few red flags.

Signal strength

100

Good data coverage for analysis.

Signals from accounts

Derived from iXBRL accounts · accounting standard not declared

Positive net assets

Net assets £1,053,259

Cash YoY

+48%

Year on year

Key financials

2 years extracted from filed iXBRL accounts

Cash

£351k

↑ 48% YoY

Net Worth

£1.1m

↑ 2.9% YoY

Current Assets

£1.7m

↑ 31% YoY

Current Liabilities

—

Hover to see exact values · click legend to toggle series

Financials

Extracted from Companies House accounts · accounting standard unknown

Metric	2024-10-31	2023-10-31
Total assets	£1.11M	£1.08M
Current assets	£1.69M	£1.29M
Cash	£350.8k	£237.1k
Debtors	£1.12M	£861.9k
Net assets	£1.05M	£1.02M

Amounts extracted automatically from iXBRL. Fields left blank were not reported or not mapped. Values in GBP unless stated.

🔒Filing-note intelligence

3 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

filings

Last 90 days

filing

• 1 confirmation-statement

Last 180 days

filing

• 1 confirmation-statement

Counts from Companies House filing history.

Corporate timeline (34 events)Click to expand

2025-07-31
📄
accounts-with-accounts-type-medium
accounts · AA
2025-04-07
➕
CROWE, Laura appointed
director
2025-04-07
📄
appoint-person-director-company-with-name-date
officers · AP01
2024-07-11
📄
accounts-with-accounts-type-full
accounts · AA
2023-11-10
➕
MACKENZIE, Kevin Murray appointed
director
2023-11-10
➕
MORGAN, Rhian Sarah appointed
director
2023-11-10
📄
appoint-person-director-company-with-name-date
officers · AP01
2023-11-10
📄
appoint-person-director-company-with-name-date
officers · AP01
2023-07-31
📄
accounts-with-accounts-type-full
accounts · AA
2022-07-18
📄
accounts-with-accounts-type-full
accounts · AA
2022-02-09
📄
change-person-director-company-with-change-date
officers · CH01
2021-08-25
📄
accounts-with-accounts-type-full
accounts · AA
2021-02-02
➖
SHEPHERD & WEDDERBURN SECRETARIES LIMITED resigned
corporate-secretary
2021-02-02
📍
change-registered-office-address-company-with-date-old-address-new-address
address · AD01
2021-02-02
📄
termination-secretary-company-with-name-termination-date
officers · TM02
2020-07-21
📄
accounts-with-accounts-type-full
accounts · AA
2019-07-03
📄
accounts-with-accounts-type-full
accounts · AA
2018-09-18
📄
change-corporate-secretary-company-with-change-date
officers · CH04
2018-05-30
📄
accounts-with-accounts-type-full
accounts · AA
2017-08-30
📄
capital-variation-of-rights-attached-to-shares
capital · SH10
2017-08-04
🔒
Charge registered #1
Lender: Vertus Capital Spv 1 Limited (Registered Number 10294991)
2014-12-12
➕
GOW, David appointed
director
2014-12-12
➕
MACKIE, Keith appointed
director
2010-01-25
➖
SMITH, James resigned
director
2002-01-09
➖
MORRISON, Moira Jean resigned
director
2002-01-09
➖
ROBERTSON, Alexander George resigned
director
2001-05-09
➕
ROBERTSON, Alexander George appointed
director
2001-05-09
➕
MORRISON, Moira Jean appointed
director
2001-05-09
➕
ROBERTSON, Alexander George appointed
director
2001-05-09
➕
SMITH, James appointed
director
2001-05-09
➖
MMA NOMINEES LIMITED resigned
corporate-nominee-director
2001-02-02
🏢
Company incorporated
As ACUMEN FINANCIAL PLANNING LIMITED
2001-02-02
➕
SHEPHERD & WEDDERBURN SECRETARIES LIMITED appointed
corporate-secretary
2001-02-02
➕
MMA NOMINEES LIMITED appointed
corporate-nominee-director

Owner dependency

65/100

High — earn-out structure required

Material founder dependency. Consider a 2-3 year earn-out and build in a handover plan before completion.

FACTORS

-6 active directors: Broader management team in place — suggests transferable governance.
+Long-tenure founder: Senior director has been in place 25 years — deep operational knowledge concentrated in one person.
+Founder age: Director aged approximately 74 — succession pressure is live.

Succession & seller-readiness

80/100

Likely off-market candidate

Strong acquirability signals converging. Worth approaching directly — this is how off-market deals start.

SIGNALS

primaryFounder aged 70+: Senior director is approximately 74 years old. Natural succession window is now.
primary20+ year tenure: Director in role 25 years. Very long tenure is a classic succession signal.
supportingClean filings + long tenure: Disciplined long-tenure operator — classic lifestyle-business pattern that often sells quietly.

Red flags

clean

No red flags detected from available public data. (This is not a clean bill of health — detailed accounts review still recommended.)

Group structure

The Financial Planning Group Limited is the ultimate parent — holding 75%+ shares. This company sits inside their group.

🏛️

The Financial Planning Group Limited

Corporate parent · holds 75-100% shares

ultimate parent

⬇

ACUMEN FINANCIAL PLANNING LIMITED

This company · SC215343

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
The Financial Planning Group Limited Corporate entity	75–100%	75–100%	75-100% shares · 75-100% voting	12/07/2017

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 →

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ADC AI LTD→ SC706567 · est 2021 · no financials extracted	—	—	—	—	4y	—	—
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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.

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Company details

Statusactive

Typeltd

Incorporated2001-02-02

Jurisdictionscotland

Primary SIC82990 — Other business support service activities n.e.c.

Registered office

4 Kingshill Park

Venture Drive, Arnhall Business Park

Westhill

Aberdeenshire

AB32 6FL

Scotland

Filing status

Accounts

Next due: 2026-07-31

Last made up to: 2024-10-31

Confirmation statement

Next due: 2027-02-17

Last: 2026-02-03