LEGACY PLANNING SOLUTIONS LIMITED

💤Zombieactive
SC424781 · ltd · incorporated 2012-05-24
Investment thesis
Zombie company — trading but stalled; unlikely mover.
Why interesting: Quiet, steady; could be a succession or carve-out candidate with the right conversation.
Why risky: No growth signal; thin margin for error on price.
🔒Estimated value
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Turnover
year to Jun 2025
Net worth
£-40.3k
book net assets
Opportunity
78/100
Strong
🔔
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What this business does
Primary activity: Other activities auxiliary to insurance and pension funding
Sector: Financial & insurance
Investor take
Pass (distressed without resilience)
Distressed active trading company — structural issues outweigh the discount.

Opportunity 78/100 (strong), bankability 75/100. Strong seller-intent signal (68/100, director aged 72). Share purchase looks the cleaner deal structure. Biggest value-creation lever: Cash flow review and working-capital discipline. Cash down -59% YoY — forensic review of receivables, stock turns, and creditor days. Most likely exit: share sale to pe / searcher (73/100).

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
75
Lenders & charges
Confirmed no charges registered
85
Directors & officers
1 officers (1 active, 1 linked, 1 with DOB)
90
Ownership & PSC
1 active PSC(s) of 1 total, 1 with control declared
90
Director network
10 connected companies via shared directors
75
Filing history
35 filings on record
85
Gazette notices
No matching gazette notices (standard for active companies)
60
Opportunity Score
78/100Strong
PassWatchWorth a lookStrongExceptional 

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

Business quality
70
Active, clean filings, stable charge profile.
Acquirability
70
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 · FRS 102
Negative net assets
Liabilities exceed assets by £40,336
Cash draining
Cash down 59% YoY
Cash YoY
-59%
Year on year

Key financials

2 years extracted from filed iXBRL accounts
Cash
£3k
↓ 59% YoY
Net Worth
-£40k
↓ 4.6% YoY
Current Assets
£3k
↓ 79% YoY
Current Liabilities
-£40k-£29k-£18k-£7k£4k£15kJun 2024Jun 2025

Hover to see exact values · click legend to toggle series

Financials

Extracted from Companies House accounts · FRS 102
Metric2025-06-302024-06-30
Total assets£-40.3k£-38.6k
Current assets£3.2k£15.4k
Cash£3.2k£7.7k
Debtors£7.7k
Net assets£-40.3k£-38.6k

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
1
filing
  • 1 accounts
Last 180 days
1
filing
  • 1 accounts
Counts from Companies House filing history.
Corporate timeline (18 events)Click to expand
  1. 2026-02-18
    📄
    accounts-with-accounts-type-total-exemption-full
    accounts · AA
  2. 2025-03-12
    📄
    accounts-with-accounts-type-total-exemption-full
    accounts · AA
  3. 2024-03-04
    📄
    accounts-with-accounts-type-total-exemption-full
    accounts · AA
  4. 2023-02-22
    📄
    accounts-with-accounts-type-total-exemption-full
    accounts · AA
  5. 2022-03-24
    📄
    accounts-with-accounts-type-total-exemption-full
    accounts · AA
  6. 2021-04-29
    📄
    accounts-with-accounts-type-total-exemption-full
    accounts · AA
  7. 2020-03-25
    📄
    accounts-with-accounts-type-total-exemption-full
    accounts · AA
  8. 2019-02-27
    📄
    accounts-with-accounts-type-total-exemption-full
    accounts · AA
  9. 2018-03-29
    📄
    accounts-with-accounts-type-total-exemption-full
    accounts · AA
  10. 2017-03-28
    📄
    accounts-with-accounts-type-total-exemption-small
    accounts · AA
  11. 2016-11-07
    📍
    change-registered-office-address-company-with-date-old-address-new-address
    address · AD01
  12. 2016-09-18
    📍
    change-registered-office-address-company-with-date-old-address-new-address
    address · AD01
  13. 2016-08-25
    📍
    change-registered-office-address-company-with-date-old-address-new-address
    address · AD01
  14. 2016-07-20
    📄
    accounts-with-accounts-type-total-exemption-small
    accounts · AA
  15. 2016-05-30
    📄
    annual-return-company-with-made-up-date-full-list-shareholders
    annual-return · AR01
  16. 2016-04-21
    📄
    change-account-reference-date-company-previous-shortened
    accounts · AA01
  17. 2012-05-24
    🏢
    Company incorporated
    As LEGACY PLANNING SOLUTIONS LIMITED
  18. 2012-05-24
    THOMSON, William Russell appointed
    director

Owner dependency

95/100
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
  • +Sole director: Only one active director — all governance concentrated on one person.
  • +Founder age: Director aged approximately 72 — succession pressure is live.
  • +No director turnover: Company is 14 years old with no director changes — suggests a very tight-knit founder team never broadened.

Succession & seller-readiness

88/100
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 72 years old. Natural succession window is now.
  • primarySole active director: Only one director in control. No visible successor — buyers solve the succession problem.
  • secondary12+ year tenure: Director in role 14 years.
  • 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

1 active beneficial owner
NameSharesVoting rightsNature of controlNotified
Mr William Russell Thomson
Individual · Scottish · DOB 06/1954 · age 72
2550%
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

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
Incorporated2012-05-24
Jurisdictionscotland
Primary SIC66290 — Other activities auxiliary to insurance and pension funding

Registered office

19a Wellside Place
Falkirk
FK1 5RL
Scotland

Filing status

Accounts
Next due: 2027-03-31
Last made up to: 2025-06-30
Confirmation statement
Next due: 2026-06-07
Last: 2025-05-24

Officers (1 active · 0 resigned)

THOMSON, William Russell
director · ~72y · appointed 2012-05-24
View their other companies + combined net worth →
Active

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

Recent filings (35 total)

accounts-with-accounts-type-total-exemption-full
accounts · AA
2026-02-18
confirmation-statement-with-no-updates
confirmation-statement · CS01
2025-05-27
accounts-with-accounts-type-total-exemption-full
accounts · AA
2025-03-12
confirmation-statement-with-no-updates
confirmation-statement · CS01
2024-05-29
accounts-with-accounts-type-total-exemption-full
accounts · AA
2024-03-04
confirmation-statement-with-no-updates
confirmation-statement · CS01
2023-05-25
accounts-with-accounts-type-total-exemption-full
accounts · AA
2023-02-22
confirmation-statement-with-no-updates
confirmation-statement · CS01
2022-05-24
accounts-with-accounts-type-total-exemption-full
accounts · AA
2022-03-24
confirmation-statement-with-no-updates
confirmation-statement · CS01
2021-05-24
accounts-with-accounts-type-total-exemption-full
accounts · AA
2021-04-29
confirmation-statement-with-no-updates
confirmation-statement · CS01
2020-05-25
accounts-with-accounts-type-total-exemption-full
accounts · AA
2020-03-25
confirmation-statement-with-no-updates
confirmation-statement · CS01
2019-05-29
accounts-with-accounts-type-total-exemption-full
accounts · AA
2019-02-27