PROVIDENT FINANCIAL GROUP LIMITED
⚰️Wound downliquidation
00194214 · ltd · incorporated 1923-12-05
Investment thesis
Company liquidation — not a live target.
Why interesting: Historical record only; useful for precedent research.
Why risky: Not transactable.
🔒Estimated value
—
Upgrade to see
Turnover
—
not disclosed
Net worth
—
book net assets
Opportunity
50/100
Worth a look
What this business does
Primary activity: Activities of financial services holding companies
Sector: Financial & insurance
Investor take
Pass (distressed without resilience)Distressed asset-holding vehicle — structural issues outweigh the discount.
Opportunity 50/100 (worth a look), bankability 45/100. High owner-dependency — earn-out structure likely required for clean transition. Biggest value-creation lever: Resolve: Company in liquidation. Company is actively being wound up. Not a going concern. Most likely exit: distressed disposal / insolvency (65/100). Current lenders should be on monthly review.
Data confidence
Overall: medium (60/100)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
0
Lenders & charges
Confirmed no charges registered
85
Directors & officers
25 officers (2 active, 25 linked, 21 with DOB)
87
Ownership & PSC
1 active PSC(s) of 1 total, 1 with control declared
90
Director network
14 connected companies via shared directors
87
Filing history
195 filings on record
85
Gazette notices
No matching gazette notices (standard for active companies)
60
Opportunity Score
50/100Worth a look
PassWatchWorth a lookStrongExceptional
Mixed signal. Worth opening the full target workup before deciding to pursue.
Business quality
10
Concerning — overdue filings or status flags present.
Acquirability
75
Strong succession / seller-readiness signals.
Risk profile
49
Multiple red flags — proceed with caution.
Signal strength
90
Good data coverage for analysis.
Recent activity
Last 30 days
0
filings
Last 90 days
0
filings
Last 180 days
7
filings
- • 3 insolvency
- • 2 resolution
- • 2 capital
Counts from Companies House filing history.
Corporate timeline (66 events)Click to expand
- 2026-01-05⚠️liquidation-voluntary-appointment-of-liquidatorinsolvency · 600
- 2026-01-05📄resolutionresolution · RESOLUTIONS
- 2026-01-05⚠️liquidation-voluntary-declaration-of-solvencyinsolvency · LIQ01
- 2025-12-16📄legacycapital · SH20
- 2025-12-16📄capital-statement-capital-company-with-date-currency-figurecapital · SH19
- 2025-12-16⚠️legacyinsolvency · CAP-SS
- 2025-12-16📄resolutionresolution · RESOLUTIONS
- 2025-10-07📄accounts-with-accounts-type-audit-exemption-subsiduaryaccounts · AA
- 2025-09-22📍change-registered-office-address-company-with-date-old-address-new-addressaddress · AD01
- 2025-06-10📄legacyaccounts · PARENT_ACC
- 2025-06-10📄legacyother · AGREEMENT2
- 2025-06-10📄legacyother · GUARANTEE2
- 2024-11-19📄appoint-person-director-company-with-name-dateofficers · AP01
- 2024-11-18➕MUSTARD, Michael William appointeddirector
- 2024-10-07📄termination-director-company-with-name-termination-dateofficers · TM01
- 2024-10-05📄accounts-with-accounts-type-audit-exemption-subsiduaryaccounts · AA
- 2024-10-05📄legacyother · GUARANTEE2
- 2024-10-05📄legacyaccounts · PARENT_ACC
- 2024-10-05📄legacyother · AGREEMENT2
- 2024-10-04➖BARNETT, Melanie Jayne resigneddirector
- 2023-12-05📄termination-director-company-with-name-termination-dateofficers · TM01
- 2023-12-05📄appoint-person-director-company-with-name-dateofficers · AP01
- 2023-11-30➕WATTS, David Michael, Mr. appointeddirector
- 2023-11-30➖CRONIN, Gareth resigneddirector
- 2023-08-11📄appoint-person-director-company-with-name-dateofficers · AP01
- 2023-08-07➕CRONIN, Gareth appointeddirector
- 2023-08-07➖KAPUR, Neeraj resigneddirector
- 2023-08-07📄termination-director-company-with-name-termination-dateofficers · TM01
- 2022-08-19➕BARNETT, Melanie Jayne appointeddirector
- 2022-08-19➖DAVIES, Charlotte resigneddirector
- 2020-04-01➕KAPUR, Neeraj appointeddirector
- 2020-03-31➖THOMAS, Simon George resigneddirector
- 2019-04-26➕DAVIES, Charlotte appointeddirector
- 2019-04-26➖MULLEN, Kenneth John resigneddirector
- 2018-12-03➖FISHER, Andrew Charles resigneddirector
- 2018-12-03➕THOMAS, Simon George appointeddirector
- 2018-03-31➖WATTS, Paula resignedsecretary
- 2018-03-31➖WATTS, Paula resigneddirector
- 2017-05-12➖VERSLUYS, Emma Gayle resignedsecretary
- 2017-05-12➕WATTS, Paula appointedsecretary
- 2017-05-12➖VERSLUYS, Emma Gayle resigneddirector
- 2017-05-12➕WATTS, Paula appointeddirector
- 2008-03-25➕FISHER, Andrew Charles appointeddirector
- 2007-07-16➖MARSHALL SMITH, Rosamond Joy resigneddirector
- 2007-07-16➕MULLEN, Kenneth John appointeddirector
- 2005-12-31➖JOHNSTONE, Christopher Charles resigneddirector
- 2005-10-25➖MARSHALL SMITH, Rosamond Joy resignedsecretary
- 2005-01-17➕VERSLUYS, Emma Gayle appointedsecretary
- 2005-01-17➕VERSLUYS, Emma Gayle appointeddirector
- 2004-12-31➖FARBRIDGE, Caroline Louise resigneddirector
Showing most recent 50 of 66 events
Owner dependency
66/100
High — earn-out structure requiredMaterial founder dependency. Consider a 2-3 year earn-out and build in a handover plan before completion.
FACTORS
- +Two-director setup: Only two active directors — typical of owner-managed SMEs but limits succession.
- +Senior director age: Director aged approximately 60 — approaching natural succession window.
Succession & seller-readiness
46/100
Moderate signalSome succession indicators present. Worth watching; approach if sector/strategy fits.
SIGNALS
- secondaryFounder aged 58+: Senior director is approximately 60. Early succession window.
- secondaryTwo-director governance: Small-team governance. Succession depth is thin but not absent.
Red flags
2 high ·Company in liquidation
highCompany is actively being wound up. Not a going concern.
3 insolvency-related filings on record
highFilings relating to insolvency, liquidation, or administration exist in the company's history. Review before proceeding.
Evidence: 2026-01-05: liquidation-voluntary-appointment-of-liquidator; 2026-01-05: liquidation-voluntary-declaration-of-solvency
Group structure
Vanquis Banking Group Plc is the ultimate parent — holding 75%+ shares. This company sits inside their group.
🏛️ultimate parent
Vanquis Banking Group Plc
Corporate parent · holds 75-100% shares · board control
⬇
PROVIDENT FINANCIAL GROUP LIMITED
This company · 00194214
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 |
|---|---|---|---|---|
Vanquis Banking Group Plc Corporate entity | 75–100% | 75–100% | board control75-100% shares · 75-100% voting · board control | 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.
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Peers ranked by estimated value, then turnover, then opportunity score.See all →
🔒Tailored diligence questions
9 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
Statusliquidation
Typeltd
Incorporated1923-12-05
Jurisdictionengland-wales
Primary SIC64205 — Activities of financial services holding companies
Registered office
Fairburn House
5 Godwin Street
Bradford
BD1 2AH
England
Filing status
Accounts
Next due: 2026-09-30
Last made up to: 2024-12-31
Confirmation statement
Next due: 2026-10-14
Last: 2025-09-30
Officers (2 active · 23 resigned)
MUSTARD, Michael William→
Activedirector · ~54y · appointed 2024-11-18
View their other companies + combined net worth →
WATTS, David Michael, Mr.→
Activedirector · ~60y · appointed 2023-11-30
View their other companies + combined net worth →
MARSHALL SMITH, Rosamond Joy→
Resignedsecretary · appointed 1997-03-27 · resigned 2005-10-25
VERSLUYS, Emma Gayle→
Resignedsecretary · appointed 2005-01-17 · resigned 2017-05-12
VEVERS, Peter Anthony→
Resignedsecretary · resigned 1997-03-27
WATTS, Paula→
Resignedsecretary · appointed 2017-05-12 · resigned 2018-03-31
ASHTON, Robin James→
Resigneddirector · ~68y · appointed 2001-09-24 · resigned 2002-09-20
BARNETT, Melanie Jayne→
Resigneddirector · ~50y · appointed 2022-08-19 · resigned 2024-10-04
BELL, Howard James→
Resigneddirector · ~82y · resigned 2001-09-24
CRONIN, Gareth→
Resigneddirector · ~51y · appointed 2023-08-07 · resigned 2023-11-30
DAVIES, Charlotte→
Resigneddirector · ~53y · appointed 2019-04-26 · resigned 2022-08-19
FARBRIDGE, Caroline Louise→
Resigneddirector · ~60y · appointed 2002-09-20 · resigned 2004-12-31
FISHER, Andrew Charles→
Resigneddirector · ~68y · appointed 2008-03-25 · resigned 2018-12-03
FORFAR, Frederick Wilson→
Resigneddirector · ~71y · resigned 1994-10-04
HARNETT, John Arthur→
Resigneddirector · ~71y · appointed 2001-09-24 · resigned 2002-09-20
JOHNSTONE, Christopher Charles→
Resigneddirector · ~67y · appointed 2003-08-05 · resigned 2005-12-31
KAPUR, Neeraj→
Resigneddirector · ~61y · appointed 2020-04-01 · resigned 2023-08-07
KETTLE, Philip Charles→
Resigneddirector · ~72y · appointed 1994-10-04 · resigned 2001-10-09
MARSHALL SMITH, Rosamond Joy→
Resigneddirector · ~67y · appointed 2002-09-20 · resigned 2007-07-16
MULLEN, Kenneth John→
Resigneddirector · ~68y · appointed 2007-07-16 · resigned 2019-04-26
Click a director name to see their full track record across all companies.
Recent filings (195 total)
liquidation-voluntary-appointment-of-liquidator
insolvency · 600
2026-01-05
resolution
resolution · RESOLUTIONS
2026-01-05
liquidation-voluntary-declaration-of-solvency
insolvency · LIQ01
2026-01-05
legacy
capital · SH20
2025-12-16
capital-statement-capital-company-with-date-currency-figure
capital · SH19
2025-12-16
legacy
insolvency · CAP-SS
2025-12-16
resolution
resolution · RESOLUTIONS
2025-12-16
accounts-with-accounts-type-audit-exemption-subsiduary
accounts · AA
2025-10-07
confirmation-statement-with-no-updates
confirmation-statement · CS01
2025-10-02
change-registered-office-address-company-with-date-old-address-new-address
address · AD01
2025-09-22
legacy
accounts · PARENT_ACC
2025-06-10
legacy
other · AGREEMENT2
2025-06-10
legacy
other · GUARANTEE2
2025-06-10
appoint-person-director-company-with-name-date
officers · AP01
2024-11-19
termination-director-company-with-name-termination-date
officers · TM01
2024-10-07