CAMERONS FINANCIAL PLANNING LIMITED

💤Zombieactive
SC560054 · ltd · incorporated 2017-03-09
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 Mar 2025
Net worth
£156
book net assets
Opportunity
76/100
Strong
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What this business does
Primary activity: Financial intermediation not elsewhere classified
Sector: Financial & insurance
Investor take
Pursue
Asset-holding vehicle with a 67-year-old founder — textbook succession opportunity.

Opportunity 76/100 (strong), bankability 75/100. Strong seller-intent signal (60/100, director aged 67). Share purchase looks the cleaner deal structure. Biggest value-creation lever: Cash flow review and working-capital discipline. Cash down -45% YoY — forensic review of receivables, stock turns, and creditor days. Most likely exit: share sale to pe / searcher (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
2 officers (2 active, 2 linked, 1 with DOB)
80
Ownership & PSC
1 active PSC(s) of 1 total, 1 with control declared
90
Director network
1 connected companies via shared directors
48
Filing history
18 filings on record
85
Gazette notices
No matching gazette notices (standard for active companies)
60
Opportunity Score
76/100Strong
PassWatchWorth a lookStrongExceptional 

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

Business quality
65
Adequate — check latest filings for context.
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
Positive net assets
Net assets £156
Cash draining
Cash down 45% YoY
Cash YoY
-45%
Year on year

Key financials

2 years extracted from filed iXBRL accounts
Cash
£15k
↓ 45% YoY
Net Worth
£156
↑ 403% YoY
Current Assets
£34k
↓ 15% YoY
Current Liabilities
£0£8k£16k£24k£32k£40kMar 2024Mar 2025

Hover to see exact values · click legend to toggle series

Financials

Extracted from Companies House accounts · FRS 102
Metric2025-03-312024-03-31
Total assets£201£93
Current assets£34.0k£40.1k
Cash£15.5k£28.4k
Debtors£18.5k£11.7k
Net assets£156£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
1
filing
  • 1 confirmation-statement
Last 180 days
2
filings
  • 1 confirmation-statement
  • 1 accounts
Counts from Companies House filing history.
Corporate timeline (12 events)Click to expand
  1. 2025-12-22
    📄
    accounts-with-accounts-type-unaudited-abridged
    accounts · AA
  2. 2024-10-21
    📄
    accounts-with-accounts-type-unaudited-abridged
    accounts · AA
  3. 2023-12-12
    📄
    accounts-with-accounts-type-unaudited-abridged
    accounts · AA
  4. 2022-12-19
    📄
    accounts-with-accounts-type-unaudited-abridged
    accounts · AA
  5. 2021-12-29
    📄
    accounts-with-accounts-type-unaudited-abridged
    accounts · AA
  6. 2021-01-21
    📄
    accounts-with-accounts-type-unaudited-abridged
    accounts · AA
  7. 2019-12-23
    📄
    accounts-with-accounts-type-unaudited-abridged
    accounts · AA
  8. 2018-12-03
    📄
    accounts-with-accounts-type-unaudited-abridged
    accounts · AA
  9. 2017-03-09
    🏢
    Company incorporated
    As CAMERONS FINANCIAL PLANNING LIMITED
  10. 2017-03-09
    CAMERON, Angela Holman appointed
    secretary
  11. 2017-03-09
    CAMERON, Ewan Angus appointed
    director
  12. 2017-03-09
    📄
    incorporation-company
    incorporation · NEWINC

Owner dependency

100/100
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 name in company name: Company name contains director surname "CAMERON" — strong identity link between founder and business.
  • +Founder age: Director aged approximately 67 — succession pressure is live.
  • +No director turnover: Company is 9 years old with no director changes — suggests a very tight-knit founder team never broadened.

Succession & seller-readiness

65/100
Strong succession signal

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

SIGNALS
  • primaryFounder aged 63+: Senior director is approximately 67. Approaching typical UK retirement age — succession thinking likely.
  • primarySole active director: Only one director in control. No visible successor — buyers solve the succession problem.

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 Ewan Angus Cameron
Individual · British · DOB 11/1959 · age 67
5075%
50–75%board control50-75% shares · 50-75% voting · board control09/03/2017

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
Incorporated2017-03-09
Jurisdictionscotland
Primary SIC64999 — Financial intermediation not elsewhere classified

Registered office

10 School Wynd
Kirriemuir
Angus
DD8 4BQ
United Kingdom

Filing status

Accounts
Next due: 2026-12-31
Last made up to: 2025-03-31
Confirmation statement
Next due: 2027-03-22
Last: 2026-03-08

Officers (2 active · 0 resigned)

CAMERON, Angela Holman
secretary · appointed 2017-03-09
View their other companies + combined net worth →
Active
CAMERON, Ewan Angus
director · ~67y · appointed 2017-03-09
View their other companies + combined net worth →
Active

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

Recent filings (18 total)

confirmation-statement-with-no-updates
confirmation-statement · CS01
2026-03-22
accounts-with-accounts-type-unaudited-abridged
accounts · AA
2025-12-22
confirmation-statement-with-no-updates
confirmation-statement · CS01
2025-03-20
accounts-with-accounts-type-unaudited-abridged
accounts · AA
2024-10-21
confirmation-statement-with-no-updates
confirmation-statement · CS01
2024-03-20
accounts-with-accounts-type-unaudited-abridged
accounts · AA
2023-12-12
confirmation-statement-with-no-updates
confirmation-statement · CS01
2023-03-13
accounts-with-accounts-type-unaudited-abridged
accounts · AA
2022-12-19
confirmation-statement-with-no-updates
confirmation-statement · CS01
2022-03-14
accounts-with-accounts-type-unaudited-abridged
accounts · AA
2021-12-29
confirmation-statement-with-no-updates
confirmation-statement · CS01
2021-03-17
accounts-with-accounts-type-unaudited-abridged
accounts · AA
2021-01-21
confirmation-statement-with-no-updates
confirmation-statement · CS01
2020-03-19
accounts-with-accounts-type-unaudited-abridged
accounts · AA
2019-12-23
confirmation-statement-with-no-updates
confirmation-statement · CS01
2019-03-20