A PLUS FINANCIAL PLANNING LIMITED

🌳Matureactive
SC447478 · ltd · incorporated 2013-04-12
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 Apr 2025
Net worth
—
book net assets
Opportunity
73/100
Strong
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What this business does
Primary activity: Activities of mortgage finance companies
Sector: Financial & insurance
Investor take
Pursue
Strong opportunity: active trading company with strong profile and bankable structure.

Opportunity 73/100 (strong), bankability 75/100. Share purchase looks the cleaner deal structure. Most likely exit: strategic trade sale (65/100).

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
4 officers (2 active, 4 linked, 4 with DOB)
90
Ownership & PSC
1 active PSC(s) of 1 total, 1 with control declared
90
Director network
Network not yet resolved
30
Filing history
36 filings on record
85
Gazette notices
No matching gazette notices (standard for active companies)
60
Opportunity Score
73/100Strong
PassWatchWorth a lookStrongExceptional 

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

Business quality
70
Active, clean filings, stable charge profile.
Acquirability
50
Some acquirability indicators.
Risk profile
85
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£0Apr 2024Apr 2025

Hover to see exact values · click legend to toggle series

Financials

Extracted from Companies House accounts · FRS 102
Metric2025-04-302024-04-30
Average employees300300

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
0
filings
Last 180 days
0
filings
Counts from Companies House filing history.
Corporate timeline (25 events)Click to expand
  1. 2025-09-25
    📄
    accounts-with-accounts-type-total-exemption-full
    accounts · AA
  2. 2025-09-17
    📄
    change-person-director-company-with-change-date
    officers · CH01
  3. 2025-09-17
    📄
    change-person-director-company-with-change-date
    officers · CH01
  4. 2025-09-17
    📍
    change-registered-office-address-company-with-date-old-address-new-address
    address · AD01
  5. 2024-09-15
    📄
    change-person-director-company-with-change-date
    officers · CH01
  6. 2024-09-15
    📄
    change-person-director-company-with-change-date
    officers · CH01
  7. 2024-07-24
    📄
    accounts-with-accounts-type-total-exemption-full
    accounts · AA
  8. 2024-02-26
    📄
    appoint-person-director-company-with-name-date
    officers · AP01
  9. 2024-02-25
    ➕
    SWAN, Kimberley appointed
    director
  10. 2024-02-25
    ➖
    DOBBIE, Joshua resigned
    director
  11. 2024-02-25
    📄
    termination-director-company-with-name-termination-date
    officers · TM01
  12. 2023-09-11
    📄
    change-person-director-company-with-change-date
    officers · CH01
  13. 2023-08-02
    📄
    accounts-with-accounts-type-total-exemption-full
    accounts · AA
  14. 2022-07-28
    📄
    appoint-person-director-company-with-name-date
    officers · AP01
  15. 2022-07-28
    📄
    termination-director-company-with-name-termination-date
    officers · TM01
  16. 2022-07-01
    ➕
    DOBBIE, Joshua appointed
    director
  17. 2022-06-28
    📄
    accounts-with-accounts-type-total-exemption-full
    accounts · AA
  18. 2022-05-01
    ➖
    DOBBIE, Dawn Sarah resigned
    director
  19. 2021-07-08
    📄
    accounts-with-accounts-type-total-exemption-full
    accounts · AA
  20. 2020-05-12
    📄
    accounts-with-accounts-type-total-exemption-full
    accounts · AA
  21. 2019-06-10
    📄
    accounts-with-accounts-type-total-exemption-full
    accounts · AA
  22. 2018-12-28
    📄
    accounts-with-accounts-type-total-exemption-full
    accounts · AA
  23. 2013-04-12
    🏢
    Company incorporated
    As A PLUS FINANCIAL PLANNING LIMITED
  24. 2013-04-12
    ➕
    DOBBIE, Nicholas Robert appointed
    director
  25. 2013-04-12
    ➕
    DOBBIE, Dawn Sarah appointed
    director

Owner dependency

58/100
Moderate — manageable with handover

Some founder dependency, but not acute. A structured handover period should cover most risk.

FACTORS
  • +Two-director setup: Only two active directors — typical of owner-managed SMEs but limits succession.

Succession & seller-readiness

49/100
Moderate signal

Some succession indicators present. Worth watching; approach if sector/strategy fits.

SIGNALS
  • secondaryTwo-director governance: Small-team governance. Succession depth is thin but not absent.
  • secondary12+ year tenure: Director in role 13 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
Nicholas Dobbie
Individual · British · DOB 10/1973 · age 53
25–50%
—25-50% shares01/04/2017

From Companies House Persons with Significant Control filings. Share ranges are banded per the public PSC regime.

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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 →
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Available from the Pro tier upwards.

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Company details

Statusactive
Typeltd
Incorporated2013-04-12
Jurisdictionscotland
Primary SIC64922 — Activities of mortgage finance companies

Registered office

6 Gayfield
Arbroath
DD11 1QJ
Scotland

Filing status

Accounts
Next due: 2027-01-31
Last made up to: 2025-04-30
Confirmation statement
Next due: 2026-04-26
Last: 2025-04-12

Officers (2 active · 2 resigned)

DOBBIE, Nicholas Robert→
director · ~53y · appointed 2013-04-12
View their other companies + combined net worth →
Active
SWAN, Kimberley→
director · ~41y · appointed 2024-02-25
View their other companies + combined net worth →
Active
DOBBIE, Dawn Sarah→
director · ~53y · appointed 2013-04-12 · resigned 2022-05-01
Resigned
DOBBIE, Joshua→
director · ~29y · appointed 2022-07-01 · resigned 2024-02-25
Resigned

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

Recent filings (36 total)

accounts-with-accounts-type-total-exemption-full
accounts · AA
2025-09-25
change-person-director-company-with-change-date
officers · CH01
2025-09-17
change-person-director-company-with-change-date
officers · CH01
2025-09-17
change-registered-office-address-company-with-date-old-address-new-address
address · AD01
2025-09-17
confirmation-statement-with-updates
confirmation-statement · CS01
2025-04-14
change-person-director-company-with-change-date
officers · CH01
2024-09-15
change-person-director-company-with-change-date
officers · CH01
2024-09-15
accounts-with-accounts-type-total-exemption-full
accounts · AA
2024-07-24
confirmation-statement-with-no-updates
confirmation-statement · CS01
2024-04-19
appoint-person-director-company-with-name-date
officers · AP01
2024-02-26
termination-director-company-with-name-termination-date
officers · TM01
2024-02-25
change-person-director-company-with-change-date
officers · CH01
2023-09-11
accounts-with-accounts-type-total-exemption-full
accounts · AA
2023-08-02
confirmation-statement-with-updates
confirmation-statement · CS01
2023-04-13
appoint-person-director-company-with-name-date
officers · AP01
2022-07-28