NORTH EAST FINANCIAL PLANNING LTD

💤Zombieactive
SC494982 · ltd · incorporated 2015-01-13
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
—
Upgrade to see
Turnover
—
year to Jan 2026
Net worth
—
book net assets
Opportunity
74/100
Strong
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What this business does
Primary activity: Financial intermediation not elsewhere classified
Sector: Financial & insurance
ALSO REGISTERED FOR
  • 66220Activities of insurance agents and brokers
Investor take
Pursue
Strong opportunity: active trading company with strong profile and bankable structure.

Opportunity 74/100 (strong), bankability 75/100. High owner-dependency — earn-out structure likely required for clean transition. Share purchase looks the cleaner deal structure. Biggest value-creation lever: Broaden director team. Sole director creates succession risk and reduces buyer comfort. Appoint a second director or strong #2. 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, 2 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
3 officers (1 active, 3 linked, 3 with DOB)
90
Ownership & PSC
1 active PSC(s) of 2 total, 2 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
74/100Strong
PassWatchWorth a lookStrongExceptional 

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

Business quality
70
Active, clean filings, stable charge profile.
Acquirability
55
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£0Jan 2025Jan 2026

Hover to see exact values · click legend to toggle series

Financials

Extracted from Companies House accounts · FRS 102
Metric2026-01-312025-01-31
Average employees600600

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

🔒Filing-note intelligence

2 signals 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
2
filings
  • • 2 capital
Last 180 days
6
filings
  • • 4 capital
  • • 1 accounts
  • • 1 confirmation-statement
Counts from Companies House filing history.
Corporate timeline (22 events)Click to expand
  1. 2026-04-29
    📄
    capital-cancellation-shares
    capital · SH06
  2. 2026-04-27
    📄
    capital-return-purchase-own-shares
    capital · SH03
  3. 2026-03-02
    📄
    accounts-with-accounts-type-total-exemption-full
    accounts · AA
  4. 2026-02-02
    📄
    capital-cancellation-shares
    capital · SH06
  5. 2026-02-02
    📄
    capital-return-purchase-own-shares
    capital · SH03
  6. 2025-03-07
    📄
    accounts-with-accounts-type-total-exemption-full
    accounts · AA
  7. 2024-03-14
    📄
    accounts-with-accounts-type-total-exemption-full
    accounts · AA
  8. 2023-03-22
    📄
    accounts-with-accounts-type-total-exemption-full
    accounts · AA
  9. 2023-01-09
    📄
    cessation-of-a-person-with-significant-control
    persons-with-significant-control · PSC07
  10. 2022-09-08
    📄
    termination-director-company-with-name-termination-date
    officers · TM01
  11. 2022-09-07
    ➖
    NORVELL, David John resigned
    director
  12. 2022-05-17
    📄
    accounts-with-accounts-type-total-exemption-full
    accounts · AA
  13. 2022-01-11
    📍
    change-registered-office-address-company-with-date-old-address-new-address
    address · AD01
  14. 2021-04-01
    📄
    accounts-with-accounts-type-total-exemption-full
    accounts · AA
  15. 2020-03-13
    📄
    accounts-with-accounts-type-total-exemption-full
    accounts · AA
  16. 2019-05-27
    📄
    accounts-with-accounts-type-total-exemption-full
    accounts · AA
  17. 2018-04-04
    📄
    accounts-with-accounts-type-total-exemption-full
    accounts · AA
  18. 2015-09-23
    ➕
    NORVELL, David John appointed
    director
  19. 2015-01-13
    🏢
    Company incorporated
    As NORTH EAST FINANCIAL PLANNING LTD
  20. 2015-01-13
    ➕
    MACDONALD, Darren John appointed
    director
  21. 2015-01-13
    ➕
    MABBOTT, Stephen George appointed
    director
  22. 2015-01-13
    ➖
    MABBOTT, Stephen George resigned
    director

Owner dependency

75/100
High — earn-out structure required

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

FACTORS
  • +Sole director: Only one active director — all governance concentrated on one person.

Succession & seller-readiness

50/100
Moderate signal

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

SIGNALS
  • primarySole active director: Only one director in control. No visible successor — buyers solve the succession problem.
  • 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 Darren John Macdonald
Individual · British · DOB 09/1989 · age 37
25–50%
25–50%25-50% shares · 25-50% voting06/04/2016
1 historic (ceased) PSC
  • Mr David John Norvellceased 16/08/2022· 25-50% shares · 25-50% voting

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

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CHAPMAN OF INVERNESS LIMITED→
SC020899 · est 1939
———40087y8277y
LEGGATTS FINANCIAL SERVICES LIMITED→
SC255061 · est 2003
——£38.1k—22y8173y
ARGYLL TRUSTEES LIMITED→
SC382862 · est 2010
——£1—15y8084y
BLACK DOG FINANCIAL SERVICES LTD.→
SC265100 · est 2004
——£61.1k—22y8071y
CAMPBELL & MCCONNACHIE LIMITED→
SC314177 · est 2007 · no financials extracted
————19y8063y
DALZIELS PRIVATE PERSONAL FINANCE LIMITED→
SC243222 · est 2003
——£142.9k—23y8061y
DUNDONNELL INVESTMENTS LIMITED→
SC226018 · est 2001
———10024y8082y
ELMBRAE MORTGAGE & PENSIONS LTD.→
SC265582 · est 2004
——£100.0k—22y8062y
HUTCHESON FINANCIAL SERVICES LIMITED→
SC352018 · est 2008
——£11.6k—17y8065y
MACKENZIE TAYLOR WEALTH MANAGEMENT LTD.→
SC313079 · est 2006
——£107.3k—19y8064y
MUNRO & NOBLE FINANCIAL SERVICES LIMITED→
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———024y8066y
NORTHWAY FINANCE LIMITED→
SC075393 · est 1981 · no financials extracted
————44y8084y
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.

See pricing →

Company details

Statusactive
Typeltd
Incorporated2015-01-13
Jurisdictionscotland
Primary SIC64999 — Financial intermediation not elsewhere classified

Registered office

31 High Street
Elgin
Moray
IV30 1EE
Scotland

Filing status

Accounts
Next due: 2027-10-31
Last made up to: 2026-01-31
Confirmation statement
Next due: 2027-01-22
Last: 2026-01-08

Officers (1 active · 2 resigned)

MACDONALD, Darren John→
director · ~37y · appointed 2015-01-13
View their other companies + combined net worth →
Active
MABBOTT, Stephen George→
director · ~76y · appointed 2015-01-13 · resigned 2015-01-13
Resigned
NORVELL, David John→
director · ~58y · appointed 2015-09-23 · resigned 2022-09-07
Resigned

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

Recent filings (36 total)

capital-cancellation-shares
capital · SH06
2026-04-29
capital-return-purchase-own-shares
capital · SH03
2026-04-27
accounts-with-accounts-type-total-exemption-full
accounts · AA
2026-03-02
capital-cancellation-shares
capital · SH06
2026-02-02
capital-return-purchase-own-shares
capital · SH03
2026-02-02
confirmation-statement-with-updates
confirmation-statement · CS01
2026-01-20
accounts-with-accounts-type-total-exemption-full
accounts · AA
2025-03-07
confirmation-statement-with-no-updates
confirmation-statement · CS01
2025-01-09
accounts-with-accounts-type-total-exemption-full
accounts · AA
2024-03-14
confirmation-statement-with-no-updates
confirmation-statement · CS01
2024-01-11
accounts-with-accounts-type-total-exemption-full
accounts · AA
2023-03-22
confirmation-statement-with-updates
confirmation-statement · CS01
2023-01-12
cessation-of-a-person-with-significant-control
persons-with-significant-control · PSC07
2023-01-09
termination-director-company-with-name-termination-date
officers · TM01
2022-09-08
accounts-with-accounts-type-total-exemption-full
accounts · AA
2022-05-17