PROFESSIONAL FINANCIAL PLANNERS LIMITED

🌳Matureactive

SC327610 · ltd · incorporated 2007-07-11

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

—

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Turnover

—

year to Jun 2025

Net worth

£2.38M

book net assets

Opportunity

83/100

Exceptional

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What this business does

Primary activity: Other activities auxiliary to financial services, except insurance and pension funding

Sector: Financial & insurance

Investor take

Pursue

Active trading company with a 69-year-old founder — textbook succession opportunity.

Opportunity 83/100 (exceptional), bankability 80/100. Strong seller-intent signal (63/100, director aged 69). Share purchase looks the cleaner deal structure. Biggest value-creation lever: Discharge stale live charges. 1 live charge(s) created 15+ years ago — likely paid but undischarged. Clean register. Most likely exit: strategic trade sale (73/100).

🏦

Refinance opportunity

1 live charge · oldest 17.7y

45/100

under pressure

Refinance would be pressure-driven, not opportunity-driven. Expect tighter margins and covenant scrutiny.

· Oldest live charge is 17.7 years old — likely at or near maturity.
· Single lender — cleanest path to refinance.
· Cashflow trend is negative — lender view likely cautious.

Data confidence

Overall: high (80/100)

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

5 officers (5 active, 5 linked, 4 with DOB)

Ownership & PSC

2 active PSC(s) of 2 total, 2 with control declared

Director network

2 connected companies via shared directors

Filing history

52 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 · FRS 102

Positive net assets

Net assets £2,378,886

Net assets shrinking

Down £5,545 YoY

Cash YoY

-23%

Year on year

Key financials

2 years extracted from filed iXBRL accounts

Cash

£536k

↓ 23% YoY

Net Worth

£2.4m

~ YoY

Current Assets

£2.4m

↑ 203% YoY

Current Liabilities

—

Hover to see exact values · click legend to toggle series

Financials

Extracted from Companies House accounts · FRS 102

Metric	2025-06-30	2024-06-30
Total assets	£2.38M	£2.38M
Current assets	£2.40M	£792.6k
Cash	£536.4k	£692.6k
Debtors	£250.0k	£100.0k
Net assets	£2.38M	£2.38M

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

filings

Last 90 days

filing

• 1 accounts

Last 180 days

filing

• 1 accounts

Counts from Companies House filing history.

Corporate timeline (22 events)Click to expand

2026-03-19
📄
accounts-with-accounts-type-total-exemption-full
accounts · AA
2025-01-23
📄
accounts-with-accounts-type-total-exemption-full
accounts · AA
2024-03-27
📄
accounts-with-accounts-type-total-exemption-full
accounts · AA
2023-03-30
📄
accounts-with-accounts-type-total-exemption-full
accounts · AA
2022-03-31
📄
accounts-with-accounts-type-total-exemption-full
accounts · AA
2021-03-25
📄
accounts-with-accounts-type-total-exemption-full
accounts · AA
2020-03-31
📄
accounts-with-accounts-type-total-exemption-full
accounts · AA
2019-03-27
📄
accounts-with-accounts-type-total-exemption-full
accounts · AA
2018-02-16
📄
accounts-with-accounts-type-total-exemption-full
accounts · AA
2017-03-27
📄
accounts-with-accounts-type-total-exemption-small
accounts · AA
2016-03-22
📄
accounts-with-accounts-type-total-exemption-small
accounts · AA
2015-07-27
📄
annual-return-company-with-made-up-date-full-list-shareholders
annual-return · AR01
2015-03-27
📄
accounts-with-accounts-type-total-exemption-small
accounts · AA
2014-07-11
📄
annual-return-company-with-made-up-date-full-list-shareholders
annual-return · AR01
2014-03-27
📄
accounts-with-accounts-type-total-exemption-small
accounts · AA
2008-08-26
🔒
Charge registered #1
Lender: Lloyds Tsb Scotland PLC
2008-04-04
➕
CRAIK, Carron Anne appointed
director
2008-04-04
➕
HARVIE, Annette Stevenson appointed
director
2007-07-11
🏢
Company incorporated
As PROFESSIONAL FINANCIAL PLANNERS LIMITED
2007-07-11
➕
CRAIK, David Norman Murray appointed
secretary
2007-07-11
➕
CRAIK, David Norman Murray appointed
director
2007-07-11
➕
HARVIE, Anthony John appointed
director

Owner dependency

73/100

High — earn-out structure required

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

FACTORS

-4 active directors: Broader management team in place — suggests transferable governance.
+Long-tenure founder: Senior director has been in place 19 years — deep operational knowledge concentrated in one person.
+Founder age: Director aged approximately 69 — succession pressure is live.
+Family involvement: Multiple officers share a surname — likely family business, which concentrates governance.

Succession & seller-readiness

73/100

Strong succession signal

Multiple signals suggest succession is on the horizon. Candidate for proactive outreach.

SIGNALS

primaryFounder aged 63+: Senior director is approximately 69. Approaching typical UK retirement age — succession thinking likely.
secondary12+ year tenure: Director in role 19 years.
secondaryStable-but-static management: Company is 19 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

Name	Shares	Voting rights	Nature of control	Notified
Mr David Norman Murray Craik Individual · British · DOB 08/1962 · age 64	25–50%	—	sig. influence25-50% shares · significant influence	06/04/2016
Mr Anthony John Harvie Individual · British · DOB 10/1957 · age 69	25–50%	—	sig. influence25-50% shares · significant influence	06/04/2016

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.

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S300TRADES LTD→ SC864647 · est 2025 · no financials extracted	—	—	—	—	—	—	—
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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

Incorporated2007-07-11

Jurisdictionscotland

Primary SIC66190 — Other activities auxiliary to financial services, except insurance and pension funding

Registered office

2 Bon Accord Square

Aberdeen

AB11 6DJ

Filing status

Accounts

Next due: 2027-03-31

Last made up to: 2025-06-30

Confirmation statement

Next due: 2026-07-25

Last: 2025-07-11

Officers (5 active · 0 resigned)

CRAIK, David Norman Murray→

secretary · appointed 2007-07-11

View their other companies + combined net worth →

Active

CRAIK, Carron Anne→

director · ~54y · appointed 2008-04-04

View their other companies + combined net worth →

Active

CRAIK, David Norman Murray→

director · ~64y · appointed 2007-07-11

View their other companies + combined net worth →

Active

HARVIE, Annette Stevenson→

director · ~68y · appointed 2008-04-04

View their other companies + combined net worth →

Active

HARVIE, Anthony John→

director · ~69y · appointed 2007-07-11

View their other companies + combined net worth →

Active

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

Mortgages & charges

Total charges

Outstanding

Active lenders

Status:Lender:1 of 1 shown

			Type	Properties
	outstanding	Lloyds Banking Group Lloyds Tsb Scotland PLC	Bond & floating charge	1 property	26/08/2008	—

Click column headers to sort. Use filters above to narrow by status and lender.