NAVIGATE FINANCIAL PLANNING LIMITED

🌳Matureactive
SC274391 · ltd · incorporated 2004-10-08
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 Oct 2025
Net worth
—
book net assets
Opportunity
79/100
Strong
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What this business does
Primary activity: Financial intermediation not elsewhere classified
Sector: Financial & insurance
Investor take
Pursue
Strong opportunity: active trading company with strong profile and bankable structure.

Opportunity 79/100 (strong), bankability 75/100. Strong seller-intent signal (70/100, director aged 59). Share purchase looks the cleaner deal structure. Most likely exit: strategic trade sale (73/100).

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
Confirmed no charges registered
85
Directors & officers
5 officers (3 active, 5 linked, 2 with DOB)
78
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
58 filings on record
85
Gazette notices
No matching gazette notices (standard for active companies)
60
Opportunity Score
79/100Strong
PassWatchWorth a lookStrongExceptional 

Solid opportunity signal. Worth a dedicated memo and management meeting.

Business quality
70
Active, clean filings, stable charge profile.
Acquirability
80
Strong succession / seller-readiness signals.
Risk profile
82
Few red flags.
Signal strength
90
Good data coverage for analysis.

Key financials

2 years extracted from filed iXBRL accounts
Cash
—
Net Worth
—
Current Assets
—
Current Liabilities
—
£0£0£0£0£0£0Oct 2024Oct 2025

Hover to see exact values · click legend to toggle series

Financials

Extracted from Companies House accounts · accounting standard unknown
Metric2025-10-312024-10-31

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

🔒Filing-note intelligence

1 signal 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
4
filings
  • • 2 persons-with-significant-control
  • • 1 accounts
  • • 1 address
Last 180 days
4
filings
  • • 2 persons-with-significant-control
  • • 1 accounts
  • • 1 address
Counts from Companies House filing history.
Corporate timeline (23 events)Click to expand
  1. 2026-03-19
    📄
    notification-of-a-person-with-significant-control
    persons-with-significant-control · PSC01
  2. 2026-02-11
    📄
    accounts-with-accounts-type-dormant
    accounts · AA
  3. 2026-02-11
    📄
    change-to-a-person-with-significant-control
    persons-with-significant-control · PSC04
  4. 2026-02-11
    📍
    change-registered-office-address-company-with-date-old-address-new-address
    address · AD01
  5. 2025-10-08
    📍
    change-registered-office-address-company-with-date-old-address-new-address
    address · AD01
  6. 2024-11-04
    📄
    accounts-with-accounts-type-dormant
    accounts · AA
  7. 2023-12-11
    📄
    accounts-with-accounts-type-dormant
    accounts · AA
  8. 2023-04-27
    📄
    accounts-with-accounts-type-dormant
    accounts · AA
  9. 2021-11-23
    📄
    accounts-with-accounts-type-dormant
    accounts · AA
  10. 2020-11-12
    📄
    accounts-with-accounts-type-dormant
    accounts · AA
  11. 2019-11-13
    📄
    accounts-with-accounts-type-dormant
    accounts · AA
  12. 2018-11-08
    📄
    accounts-with-accounts-type-dormant
    accounts · AA
  13. 2017-10-31
    📄
    accounts-with-accounts-type-dormant
    accounts · AA
  14. 2016-11-08
    📄
    accounts-with-accounts-type-dormant
    accounts · AA
  15. 2015-11-16
    📄
    accounts-with-accounts-type-dormant
    accounts · AA
  16. 2004-11-05
    ➕
    DRYBURGH, Marianne appointed
    director
  17. 2004-10-08
    🏢
    Company incorporated
    As NAVIGATE FINANCIAL PLANNING LIMITED
  18. 2004-10-08
    ➕
    DRYBURGH, Marianne appointed
    secretary
  19. 2004-10-08
    ➕
    DRYBURGH, Mark appointed
    director
  20. 2004-10-08
    ➕
    OSWALDS OF EDINBURGH LIMITED appointed
    corporate-nominee-secretary
  21. 2004-10-08
    ➖
    OSWALDS OF EDINBURGH LIMITED resigned
    corporate-nominee-secretary
  22. 2004-10-08
    ➕
    JORDANS (SCOTLAND) LIMITED appointed
    corporate-nominee-director
  23. 2004-10-08
    ➖
    JORDANS (SCOTLAND) LIMITED resigned
    corporate-nominee-director

Owner dependency

84/100
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 22 years — deep operational knowledge concentrated in one person.
  • +Senior director age: Director aged approximately 59 — approaching natural succession window.
  • +Family involvement: Multiple officers share a surname — likely family business, which concentrates governance.

Succession & seller-readiness

76/100
Likely off-market candidate

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

SIGNALS
  • secondaryFounder aged 58+: Senior director is approximately 59. Early succession window.
  • secondaryTwo-director governance: Small-team governance. Succession depth is thin but not absent.
  • primary20+ year tenure: Director in role 22 years. Very long tenure is a classic succession signal.
  • secondaryStable-but-static management: Company is 22 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

1 low
Multiple registered office changes
low

Multiple address changes in a short period can indicate operational instability or admin disorder.

Shareholders & ownership

2 active beneficial owners
NameSharesVoting rightsNature of controlNotified
Mr Mark Dryburgh
Individual · British · DOB 10/1967 · age 59
25–50%
—25-50% shares06/04/2016
Mrs Marianne Dryburgh
Individual · British · DOB 02/1967 · age 59
25–50%
—25-50% shares06/04/2016

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

6 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
Incorporated2004-10-08
Jurisdictionscotland
Primary SIC64999 — Financial intermediation not elsewhere classified

Registered office

Haypark Business Centre Marchmont Avenue
Polmont
Falkirk
FK2 0NZ
Scotland

Filing status

Accounts
Next due: 2027-07-31
Last made up to: 2025-10-31
Confirmation statement
Next due: 2026-10-22
Last: 2025-10-08

Officers (3 active · 2 resigned)

DRYBURGH, Marianne→
secretary · appointed 2004-10-08
View their other companies + combined net worth →
Active
DRYBURGH, Marianne→
director · ~59y · appointed 2004-11-05
View their other companies + combined net worth →
Active
DRYBURGH, Mark→
director · ~59y · appointed 2004-10-08
View their other companies + combined net worth →
Active
OSWALDS OF EDINBURGH LIMITED→
corporate-nominee-secretary · appointed 2004-10-08 · resigned 2004-10-08
Resigned
JORDANS (SCOTLAND) LIMITED→
corporate-nominee-director · appointed 2004-10-08 · resigned 2004-10-08
Resigned

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

Recent filings (58 total)

notification-of-a-person-with-significant-control
persons-with-significant-control · PSC01
2026-03-19
accounts-with-accounts-type-dormant
accounts · AA
2026-02-11
change-to-a-person-with-significant-control
persons-with-significant-control · PSC04
2026-02-11
change-registered-office-address-company-with-date-old-address-new-address
address · AD01
2026-02-11
change-registered-office-address-company-with-date-old-address-new-address
address · AD01
2025-10-08
confirmation-statement-with-no-updates
confirmation-statement · CS01
2025-10-08
accounts-with-accounts-type-dormant
accounts · AA
2024-11-04
confirmation-statement-with-no-updates
confirmation-statement · CS01
2024-10-22
accounts-with-accounts-type-dormant
accounts · AA
2023-12-11
confirmation-statement-with-no-updates
confirmation-statement · CS01
2023-10-16
accounts-with-accounts-type-dormant
accounts · AA
2023-04-27
confirmation-statement-with-no-updates
confirmation-statement · CS01
2022-10-10
accounts-with-accounts-type-dormant
accounts · AA
2021-11-23
confirmation-statement-with-no-updates
confirmation-statement · CS01
2021-10-11
accounts-with-accounts-type-dormant
accounts · AA
2020-11-12