COUTTS & COMPANY

🌳Matureactive

00036695 · private-unlimited · incorporated 1892-06-24

Investment thesis

Established operating company — standard diligence applies, no dominant angle.

Why interesting: Live, filing, normal profile.

Why risky: No standout signals in either direction.

🔒Estimated value

—

Upgrade to see

Turnover

—

not disclosed

Net worth

—

book net assets

Opportunity

70/100

Strong

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What this business does

Primary activity: Banks

Sector: Financial & insurance

Investor take

Pursue

Strong opportunity: active trading company with strong profile and structurally messy structure.

Opportunity 70/100 (strong), bankability 52/100. Asset purchase likely safer than share purchase given structural signals. Biggest value-creation lever: Consolidate lender relationships. 11 distinct lenders creates friction — refinance into single-lender structure for cleaner diligence. Most likely exit: strategic trade sale (48/100).

🏦

Refinance opportunity

12 live charges · 10 lenders · oldest 44.5y

25/100

too messy

Structure is too messy for a clean refinance right now — clean up first or expect bespoke terms.

· Oldest live charge is 44.5 years old — likely at or near maturity.
· 10 lenders named — inter-creditor friction likely.
· Legal-friction score 63/100 (high).

Data confidence

Overall: medium (59/100)

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

No iXBRL financials extracted

Lenders & charges

12 charges (12/12 with lender, 12/12 with type)

Directors & officers

72 officers (8 active, 72 linked, 62 with DOB)

Ownership & PSC

1 active PSC(s) of 1 total, 1 with control declared

Director network

8 connected companies via shared directors

Filing history

347 filings on record

Gazette notices

No matching gazette notices (standard for active companies)

Opportunity Score

70/100Strong

PassWatchWorth a lookStrongExceptional

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

Business quality

Adequate — check latest filings for context.

Acquirability

Strong succession / seller-readiness signals.

Risk profile

Some moderate concerns — review flags.

Signal strength

100

Good data coverage for analysis.

Recent activity

Last 30 days

filings

• 1 accounts
• 1 auditors

Last 90 days

filings

• 1 accounts
• 1 auditors
• 1 officers

Last 180 days

filings

• 1 accounts
• 1 auditors
• 1 officers

Counts from Companies House filing history.

Corporate timeline (163 events)Click to expand

2026-05-17
📄
accounts-with-accounts-type-full
accounts · AA
2026-05-12
📄
auditors-resignation-company
auditors · AUD
2026-04-01
📄
termination-director-company-with-name-termination-date
officers · TM01
2026-02-27
➖
NEBHRAJANI, Sharmila resigned
director
2025-10-29
📄
appoint-person-director-company-with-name-date
officers · AP01
2025-10-27
➕
RENNISON, Mark Martin appointed
director
2025-10-14
📄
appoint-person-director-company-with-name-date
officers · AP01
2025-10-10
📄
appoint-person-director-company-with-name-date
officers · AP01
2025-10-03
📄
termination-director-company-with-name-termination-date
officers · TM01
2025-10-01
➕
MUNRO, Elizabeth Amstutz appointed
director
2025-09-30
➕
RICHARDS, Anne Helen, Dame appointed
director
2025-09-30
➖
REMNANT, Philip John, The Right Honourable The Lord Remnant resigned
director
2025-07-21
📄
termination-director-company-with-name-termination-date
officers · TM01
2025-07-21
📄
termination-director-company-with-name-termination-date
officers · TM01
2025-07-18
➖
BOYLAN, Siobhan Geraldine resigned
director
2025-07-18
➖
URQUHART, Linda Hamilton resigned
director
2025-05-12
📄
change-person-director-company-with-change-date
officers · CH01
2025-05-02
📄
appoint-person-director-company-with-name-date
officers · AP01
2025-04-30
📄
appoint-person-director-company-with-name-date
officers · AP01
2025-04-30
📄
accounts-with-accounts-type-full
accounts · AA
2025-04-15
➕
MCDONALD PRYER, Patrice appointed
director
2025-04-15
➕
STOTT, Jakob appointed
director
2024-10-25
📄
appoint-person-secretary-company-with-name-date
officers · AP03
2024-10-24
📄
termination-secretary-company-with-name-termination-date
officers · TM02
2024-10-18
➕
HENDERSON, Neil appointed
secretary
2024-10-18
➖
ELLIOTT, Mark resigned
secretary
2024-08-13
📄
termination-director-company-with-name-termination-date
officers · TM01
2024-08-08
➖
SYED, Mohammad Kamal resigned
director
2024-08-07
📄
change-person-director-company-with-change-date
officers · CH01
2024-07-02
📄
appoint-person-director-company-with-name-date
officers · AP01
2024-07-01
➕
CRYSTAL, Emma Linnea Mathilda appointed
director
2024-05-09
📄
accounts-with-accounts-type-full
accounts · AA
2023-09-05
📄
appoint-person-director-company-with-name-date
officers · AP01
2023-09-01
➕
BOYLAN, Siobhan Geraldine appointed
director
2023-08-11
📄
termination-director-company-with-name-termination-date
officers · TM01
2023-08-01
➖
KYLE, Andrew Richard resigned
director
2023-07-31
📄
appoint-person-director-company-with-name-date
officers · AP01
2023-07-27
➖
FLAVEL, Peter Gordon resigned
director
2023-07-27
➕
SYED, Mohammad Kamal appointed
director
2023-03-09
➖
WAYMARK, Matthew Edward James resigned
director
2023-01-01
➖
WALDEGRAVE, William Arthur, The Rt Hon Lord Of North Hill resigned
director
2022-09-30
➕
REMNANT, Philip John, The Right Honourable The Lord Remnant appointed
director
2021-10-31
➖
BARNES, Francesca resigned
director
2021-05-28
➕
NEBHRAJANI, Sharmila appointed
director
2021-03-19
➕
ELLIOTT, Mark appointed
secretary
2021-03-19
➖
RICKS, Ralph Antoine resigned
secretary
2020-07-16
🔓
Charge satisfied #12
2020-03-09
➕
WAYMARK, Matthew Edward James appointed
director
2019-06-11
🔓
Charge satisfied #11
2019-06-03
🔒
Charge registered #13
Lender: The Governor and Company of the Bank of England as Security Trustee for the Security Beneficiaries

Showing most recent 50 of 163 events

Owner dependency

55/100

Moderate — manageable with handover

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

FACTORS

-7 active directors: Broader management team in place — suggests transferable governance.
+Founder age: Director aged approximately 71 — succession pressure is live.

Succession & seller-readiness

65/100

Strong succession signal

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

SIGNALS

primaryFounder aged 70+: Senior director is approximately 71 years old. Natural succession window is now.
supportingClean filings + long tenure: Disciplined long-tenure operator — classic lifestyle-business pattern that often sells quietly.

Red flags

2 med · 1 low

4 director resignations in last 12 months

medium

Multiple recent departures can indicate governance disagreement, succession event, or preparation for sale/stress.

Evidence: BOYLAN, Siobhan Geraldine resigned 2025-07-18; NEBHRAJANI, Sharmila resigned 2026-02-27; REMNANT, Philip John, The Right Honourable The Lord Remnant resigned 2025-09-30

Charge satisfaction-then-recreation pattern

medium

Multiple instances where a charge was satisfied and a new charge created within 6 months. Suggests active refinancing cycle.

7 live charges

low

Heavily leveraged with multiple live security positions — understand the capital structure before proceeding.

Group structure

National Westminster Bank Plc is the ultimate parent — holding 75%+ shares. This company sits inside their group.

🏛️

National Westminster Bank Plc

Corporate parent · holds 75-100% shares

ultimate parent

⬇

COUTTS & COMPANY

This company · 00036695

Parent relationships inferred from Persons with Significant Control filings. Full subsidiary tree requires reverse-lookup (coming).

Shareholders & ownership

1 active beneficial owner · dominant holder ≥75%

Name	Shares	Voting rights	Nature of control	Notified
National Westminster Bank Plc Corporate entity	75–100%	75–100%	75-100% shares · 75-100% voting	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.

See pricing →

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AETE LIMITED→ 02619861 · est 1991 · no financials extracted	—	—	—	—	34y	—	—
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AG FINANCIAL CONSULTANCY SERVICES LTD→ 17102390 · est 2026 · no financials extracted	—	—	—	—	—	—	—
AGK FININVEST CONSULTING LTD→ 10459014 · est 2016 · no financials extracted	—	—	—	—	9y	—	—
AGRICULTURAL LEGEND LTD→ 13574675 · est 2021 · no financials extracted	—	—	—	—	4y	—	—

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.

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Company details

Statusactive

Typeprivate-unlimited

Incorporated1892-06-24

Jurisdictionengland-wales

Primary SIC64191 — Banks

Registered office

440 Strand

London

WC2R 0QS

Filing status

Accounts

Next due: —

Last made up to: 2025-12-31

Confirmation statement

Next due: 2026-07-02

Last: 2025-06-18