ABACUS FINANCIAL PLANNING CONSULTANTS LIMITED

🌳Matureactive
SC244682 · ltd · incorporated 2003-02-27
Investment thesis
Well-run mature business — low negotiation leverage; premium likely.
Why interesting: Textbook target; clean filings, stable trading.
Why risky: No pressure on seller; any deal likely at full price.
Opportunity decay
hardening · 12-months
Already tight — no obvious softening catalysts on the horizon.
  • · Thesis: well-run, low negotiation leverage
🔒Estimated value
—
Upgrade to see
Turnover
—
year to Feb 2025
Net worth
£202.3k
book net assets
Opportunity
80/100
Exceptional
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What this business does
Primary activity: Life insurance
Sector: Financial & insurance
Investor take
Pursue
Asset-holding vehicle with a 68-year-old founder — textbook succession opportunity.

Opportunity 80/100 (exceptional), bankability 75/100. Strong seller-intent signal (83/100, director aged 68). Share purchase looks the cleaner deal structure. Most likely exit: strategic trade sale (73/100).

Data confidence

Overall: medium (77/100)

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
Confirmed no charges registered
85
Directors & officers
7 officers (3 active, 7 linked, 2 with DOB)
76
Ownership & PSC
2 active PSC(s) of 2 total, 2 with control declared
90
Director network
1 connected companies via shared directors
48
Filing history
60 filings on record
85
Gazette notices
No matching gazette notices (standard for active companies)
60
Opportunity Score
80/100Exceptional
PassWatchWorth a lookStrongExceptional 

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

Business quality
70
Active, clean filings, stable charge profile.
Acquirability
80
Strong succession / seller-readiness signals.
Risk profile
85
Few red flags.
Signal strength
90
Good data coverage for analysis.

Signals from accounts

Derived from iXBRL accounts · accounting standard not declared
Positive net assets
Net assets £202,302
Net assets shrinking
Down £144,813 YoY

Key financials

2 years extracted from filed iXBRL accounts
Cash
—
Net Worth
£202k
↓ 42% YoY
Current Assets
£316k
↓ 15% YoY
Current Liabilities
—
£0£74k£149k£223k£297k£371kFeb 2024Feb 2025

Hover to see exact values · click legend to toggle series

Financials

Extracted from Companies House accounts · accounting standard unknown
Metric2025-02-282024-02-28
Total assets£268.8k£347.1k
Current assets£315.8k£371.3k
Net assets£202.3k£347.1k

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

Recent activity

Last 30 days
0
filings
Last 90 days
1
filing
  • • 1 confirmation-statement
Last 180 days
2
filings
  • • 1 confirmation-statement
  • • 1 accounts
Counts from Companies House filing history.
Corporate timeline (27 events)Click to expand
  1. 2025-11-27
    📄
    accounts-with-accounts-type-micro-entity
    accounts · AA
  2. 2024-11-19
    📄
    accounts-with-accounts-type-micro-entity
    accounts · AA
  3. 2023-11-16
    📄
    accounts-with-accounts-type-micro-entity
    accounts · AA
  4. 2022-11-18
    📄
    accounts-with-accounts-type-micro-entity
    accounts · AA
  5. 2021-10-20
    📄
    accounts-with-accounts-type-micro-entity
    accounts · AA
  6. 2020-10-16
    📄
    notification-of-a-person-with-significant-control
    persons-with-significant-control · PSC01
  7. 2020-09-18
    📄
    accounts-with-accounts-type-micro-entity
    accounts · AA
  8. 2019-10-30
    📄
    accounts-with-accounts-type-micro-entity
    accounts · AA
  9. 2018-10-31
    📄
    accounts-with-accounts-type-micro-entity
    accounts · AA
  10. 2017-09-06
    📄
    accounts-with-accounts-type-micro-entity
    accounts · AA
  11. 2017-03-28
    ➕
    CAMPBELL, Anne appointed
    director
  12. 2017-03-28
    📄
    appoint-person-director-company-with-name-date
    officers · AP01
  13. 2016-04-04
    📄
    accounts-with-accounts-type-micro-entity
    accounts · AA
  14. 2016-03-01
    📄
    annual-return-company-with-made-up-date-full-list-shareholders
    annual-return · AR01
  15. 2015-12-14
    📄
    accounts-with-accounts-type-micro-entity
    accounts · AA
  16. 2015-02-19
    📄
    annual-return-company-with-made-up-date-full-list-shareholders
    annual-return · AR01
  17. 2004-09-06
    ➕
    CAMPBELL, Anne appointed
    secretary
  18. 2003-02-28
    ➖
    BRIGHTON SECRETARY LTD resigned
    corporate-nominee-secretary
  19. 2003-02-28
    ➖
    BRIGHTON DIRECTOR LTD resigned
    corporate-nominee-director
  20. 2003-02-27
    🏢
    Company incorporated
    As ABACUS FINANCIAL PLANNING CONSULTANTS LIMITED
  21. 2003-02-27
    ➕
    CAMPBELL, David Lyon appointed
    director
  22. 2003-02-27
    ➕
    CAMPBELL, Anne appointed
    secretary
  23. 2003-02-27
    ➖
    CAMPBELL, Anne resigned
    secretary
  24. 2003-02-27
    ➕
    BRIGHTON SECRETARY LTD appointed
    corporate-nominee-secretary
  25. 2003-02-27
    ➕
    COBRA ENTERPRISES LIMITED appointed
    corporate-secretary
  26. 2003-02-27
    ➖
    COBRA ENTERPRISES LIMITED resigned
    corporate-secretary
  27. 2003-02-27
    ➕
    BRIGHTON DIRECTOR LTD appointed
    corporate-nominee-director

Owner dependency

91/100
Critical — business is the founder

The business appears inseparable from the founder. Acquisition without a serious earn-out or meaningful transition period would likely destroy value.

FACTORS
  • +Two-director setup: Only two active directors — typical of owner-managed SMEs but limits succession.
  • +Long-tenure founder: Senior director has been in place 23 years — deep operational knowledge concentrated in one person.
  • +Founder age: Director aged approximately 68 — succession pressure is live.
  • +Family involvement: Multiple officers share a surname — likely family business, which concentrates governance.

Succession & seller-readiness

86/100
Likely off-market candidate

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

SIGNALS
  • primaryFounder aged 63+: Senior director is approximately 68. Approaching typical UK retirement age — succession thinking likely.
  • secondaryTwo-director governance: Small-team governance. Succession depth is thin but not absent.
  • primary20+ year tenure: Director in role 23 years. Very long tenure is a classic succession signal.
  • secondaryStable-but-static management: Company is 23 years old and no new directors in the last 3 years — succession not yet being planned internally.
  • 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.)

Shareholders & ownership

2 active beneficial owners
NameSharesVoting rightsNature of controlNotified
Mrs Anne Campbell
Individual · British · DOB 11/1959 · age 67
25–50%
—25-50% shares12/02/2017
Mr David Lyon Campbell
Individual · British · DOB 05/1958 · age 68
25–50%
—25-50% shares12/02/2017

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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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
Incorporated2003-02-27
Jurisdictionscotland
Primary SIC65110 — Life insurance

Registered office

33 Neidpath Place
Dunfermline
Fife
KY12 0XJ

Filing status

Accounts
Next due: 2026-11-30
Last made up to: 2025-02-28
Confirmation statement
Next due: 2027-02-05
Last: 2026-01-22

Officers (3 active · 4 resigned)

CAMPBELL, Anne→
secretary · appointed 2004-09-06
View their other companies + combined net worth →
Active
CAMPBELL, Anne→
director · ~67y · appointed 2017-03-28
View their other companies + combined net worth →
Active
CAMPBELL, David Lyon→
director · ~68y · appointed 2003-02-27
View their other companies + combined net worth →
Active
CAMPBELL, Anne→
secretary · appointed 2003-02-27 · resigned 2003-02-27
Resigned
BRIGHTON SECRETARY LTD→
corporate-nominee-secretary · appointed 2003-02-27 · resigned 2003-02-28
Resigned
COBRA ENTERPRISES LIMITED→
corporate-secretary · appointed 2003-02-27 · resigned 2003-02-27
Resigned
BRIGHTON DIRECTOR LTD→
corporate-nominee-director · appointed 2003-02-27 · resigned 2003-02-28
Resigned

Click a director name to see their full track record across all companies.

Recent filings (60 total)

confirmation-statement-with-no-updates
confirmation-statement · CS01
2026-01-22
accounts-with-accounts-type-micro-entity
accounts · AA
2025-11-27
confirmation-statement-with-no-updates
confirmation-statement · CS01
2025-02-14
accounts-with-accounts-type-micro-entity
accounts · AA
2024-11-19
confirmation-statement-with-no-updates
confirmation-statement · CS01
2024-02-23
accounts-with-accounts-type-micro-entity
accounts · AA
2023-11-16
confirmation-statement-with-no-updates
confirmation-statement · CS01
2023-02-15
accounts-with-accounts-type-micro-entity
accounts · AA
2022-11-18
confirmation-statement-with-no-updates
confirmation-statement · CS01
2022-02-14
accounts-with-accounts-type-micro-entity
accounts · AA
2021-10-20
confirmation-statement-with-no-updates
confirmation-statement · CS01
2021-02-15
notification-of-a-person-with-significant-control
persons-with-significant-control · PSC01
2020-10-16
accounts-with-accounts-type-micro-entity
accounts · AA
2020-09-18
confirmation-statement-with-no-updates
confirmation-statement · CS01
2020-02-12
accounts-with-accounts-type-micro-entity
accounts · AA
2019-10-30