PROVIDENT FINANCIAL MANAGEMENT SERVICES LIMITED
⚰️Wound downdissolved
00328933 · ltd · incorporated 1937-06-18
Investment thesis
Company dissolved — 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
49/100
Watch
What this business does
Primary activity: Financial intermediation not elsewhere classified
Sector: Financial & insurance
Investor take
Pass (distressed without resilience)Distressed unclear — structural issues outweigh the discount.
Opportunity 49/100 (watch), bankability 52/100. High owner-dependency — earn-out structure likely required for clean transition. Asset purchase likely safer than share purchase given structural signals. Biggest value-creation lever: Consolidate lender relationships. 3 distinct lenders creates friction — refinance into single-lender structure for cleaner diligence. Most likely exit: asset disposal / carve-out (45/100). Current lenders should be on monthly review.
🏦
Refinance opportunity
3 live charges · 3 lenders · oldest 16.7y
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 16.7 years old — likely at or near maturity.
- · 3 lenders named — inter-creditor friction likely.
- · Legal-friction score 58/100 (high).
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
3 charges (3/3 with lender, 3/3 with type)
90
Directors & officers
69 officers (3 active, 69 linked, 63 with DOB)
88
Ownership & PSC
1 active PSC(s) of 2 total, 2 with control declared
90
Director network
10 connected companies via shared directors
75
Filing history
329 filings on record
85
Gazette notices
No matching gazette notices (standard for active companies)
60
Opportunity Score
49/100Watch
PassWatchWorth a lookStrongExceptional
Not actionable now, but monitor — distressed, succession, or structural changes could flip this into a real opportunity.
Business quality
10
Concerning — overdue filings or status flags present.
Acquirability
75
Strong succession / seller-readiness signals.
Risk profile
41
Multiple red flags — proceed with caution.
Signal strength
100
Good data coverage for analysis.
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 (157 events)Click to expand
- 2024-10-05⚠️gazette-dissolved-liquidationgazette · GAZ2
- 2024-10-05🏁Company dissolved
- 2024-07-05⚠️liquidation-voluntary-members-return-of-final-meetinginsolvency · LIQ13
- 2024-05-20📄resolutionresolution · RESOLUTIONS
- 2024-05-20📄memorandum-articlesincorporation · MA
- 2023-12-13➖MCLAUGHLIN, Ian Michael Brian resigneddirector
- 2023-12-13📄appoint-person-director-company-with-name-dateofficers · AP01
- 2023-12-13📄appoint-person-director-company-with-name-dateofficers · AP01
- 2023-12-13📄termination-director-company-with-name-termination-dateofficers · TM01
- 2023-12-13📄termination-director-company-with-name-termination-dateofficers · TM01
- 2023-12-13📄termination-director-company-with-name-termination-dateofficers · TM01
- 2023-12-13📄termination-director-company-with-name-termination-dateofficers · TM01
- 2023-12-13📄appoint-person-director-company-with-name-dateofficers · AP01
- 2023-12-13📄appoint-person-director-company-with-name-dateofficers · AP01
- 2023-11-30➕CRONIN, Gareth appointeddirector
- 2023-11-30➕MCLAUGHLIN, Ian Michael Brian appointeddirector
- 2023-11-30➖CRONIN, Gareth resigneddirector
- 2023-11-30➖MOORE, Neill Lewis Mcdonald resigneddirector
- 2023-11-30➖PATON, Hamish Stewart resigneddirector
- 2023-11-28➕CRONIN, Gareth appointeddirector
- 2023-11-28➕MCLAUGHLIN, Ian Michael Brian appointeddirector
- 2023-09-27⚠️liquidation-voluntary-declaration-of-solvencyinsolvency · LIQ01
- 2023-09-27⚠️liquidation-voluntary-appointment-of-liquidatorinsolvency · 600
- 2023-09-27📄resolutionresolution · RESOLUTIONS
- 2023-09-12📄resolutionresolution · RESOLUTIONS
- 2023-09-04📄capital-allotment-sharescapital · SH01
- 2023-08-07➖KAPUR, Neeraj resigneddirector
- 2023-08-07📄termination-director-company-with-name-termination-dateofficers · TM01
- 2023-08-01➖LE MAY, Malcolm John resigneddirector
- 2023-08-01📄termination-director-company-with-name-termination-dateofficers · TM01
- 2023-03-22📄change-person-director-company-with-change-dateofficers · CH01
- 2022-05-27📄accounts-with-accounts-type-fullaccounts · AA
- 2021-12-14📄mortgage-satisfy-charge-fullmortgage · MR04
- 2021-12-14🔓Charge satisfied #4
- 2021-09-24📄accounts-with-accounts-type-fullaccounts · AA
- 2021-04-30➕MOORE, Neill Lewis Mcdonald appointeddirector
- 2020-12-30➕PATON, Hamish Stewart appointeddirector
- 2020-11-18➖THORNHILL, Eleanor resigneddirector
- 2020-08-28➖GILLESPIE, Christopher Donald resigneddirector
- 2020-06-30➕KAPUR, Neeraj appointeddirector
- 2020-03-31➖THOMAS, Simon George resigneddirector
- 2020-01-24🔓Charge satisfied #3
- 2018-12-03➖FISHER, Andrew Charles resigneddirector
- 2018-12-03➕THOMAS, Simon George appointeddirector
- 2018-09-21➖SINCLAIR, Stuart William resigneddirector
- 2018-07-16➕WHINCUP, David George appointedsecretary
- 2018-03-31➖WATTS, Paula resignedsecretary
- 2018-02-14➕THORNHILL, Eleanor appointeddirector
- 2018-02-09➖MCLELLAND, Phillip Alexander resigneddirector
- 2018-02-01➖ENOCK, Luke David resigneddirector
Showing most recent 50 of 157 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 · 1 med ·Company dissolved
highCompany has been dissolved — it no longer legally exists. Any diligence here is historical only.
Evidence: Dissolved on 2024-10-05
4 insolvency-related filings on record
highFilings relating to insolvency, liquidation, or administration exist in the company's history. Review before proceeding.
Evidence: 2024-10-05: gazette-dissolved-liquidation; 2024-07-05: liquidation-voluntary-members-return-of-final-meeting
Charge satisfaction-then-recreation pattern
mediumMultiple instances where a charge was satisfied and a new charge created within 6 months. Suggests active refinancing cycle.
Group structure
Provident Financial Holdings Limited is the ultimate parent — holding 75%+ shares. This company sits inside their group.
🏛️ultimate parent
Provident Financial Holdings Limited
Corporate parent · holds 75-100% shares · board control
⬇
PROVIDENT FINANCIAL MANAGEMENT SERVICES LIMITED
This company · 00328933
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 |
|---|---|---|---|---|
Provident Financial Holdings Limited Corporate entity | 75–100% | 75–100% | board control75-100% shares · 75-100% voting · board control | 25/02/2021 |
1 historic (ceased) PSC
- Provident Financial Plcceased 25/02/2021· 75-100% shares · 75-100% voting · board control
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 →Similar companies
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|---|---|---|---|---|---|---|---|
| ALEXANDER FINANCIAL SOLUTIONS LTD→ 11365305 · est 2018 · no financials extracted | — | — | — | — | 7y | — | — |
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| BEF (LONDON) LTD→ 15991707 · est 2024 · no financials extracted | — | — | — | — | 1y | — | — |
| BEF NPIF 2 YH LTD→ 15417617 · est 2024 · no financials extracted | — | — | — | — | 2y | — | — |
| BEF(NW) LTD→ 15992353 · est 2024 · no financials extracted | — | — | — | — | 1y | — | — |
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| BRIGHTMINDS HR LTD→ 16868645 · est 2025 · no financials extracted | — | — | — | — | — | — | — |
| BUSH INSURANCE SOLUTIONS LTD→ 09022855 · est 2014 · no financials extracted | — | — | — | — | 11y | — | — |
| C.R.E.A.M CAPITAL LIMITED→ 14766699 · est 2023 · no financials extracted | — | — | — | — | 3y | — | — |
| CALDER LEASING AND MANAGEMENT LIMITED→ 03397696 · est 1997 · no financials extracted | — | — | — | — | 28y | — | — |
| CALIBRE FINANCIAL SOLUTIONS LIMITED→ 12410419 · est 2020 · no financials extracted | — | — | — | — | 6y | — | — |
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
Statusdissolved
Typeltd
Incorporated1937-06-18
Jurisdictionengland-wales
Primary SIC64999 — Financial intermediation not elsewhere classified
Registered office
No. 1 Godwin Street
Bradford
West Yorkshire
BD1 2SU
Filing status
Accounts
Next due: —
Last made up to: 2021-12-31
Confirmation statement
Next due: —
Last: 2022-09-30
Officers (0 active · 66 resigned)
WHINCUP, David George→
Activesecretary · appointed 2018-07-16
View their other companies + combined net worth →
CRONIN, Gareth→
Activedirector · ~51y · appointed 2023-11-30
View their other companies + combined net worth →
MCLAUGHLIN, Ian Michael Brian→
Activedirector · ~60y · appointed 2023-11-30
View their other companies + combined net worth →
ADDERLEY, Susan Margaret→
Resignedsecretary · resigned 1993-03-24
MARSHALL SMITH, Rosamond Joy→
Resignedsecretary · appointed 1997-03-27 · resigned 2005-09-12
VERSLUYS, Emma Gayle→
Resignedsecretary · appointed 2005-09-12 · resigned 2017-05-12
VEVERS, Peter Anthony→
Resignedsecretary · appointed 1993-03-24 · resigned 1997-03-27
WATTS, Paula→
Resignedsecretary · appointed 2017-05-12 · resigned 2018-03-31
ANSON, Timothy Rupert→
Resigneddirector · ~55y · appointed 2013-09-16 · resigned 2017-10-22
ASHTON, Robin James→
Resigneddirector · ~68y · appointed 2005-01-12 · resigned 2006-12-31
ASHTON, Robin James→
Resigneddirector · ~68y · appointed 2000-10-27 · resigned 2003-01-14
BAILEY, Ian Thomas→
Resigneddirector · ~65y · appointed 2012-01-01 · resigned 2013-02-01
BELL, Howard James→
Resigneddirector · ~82y · resigned 1994-01-17
BLACKBURN, Michael→
Resigneddirector · ~86y · resigned 1994-06-30
BULLAS, Michael Stuart→
Resigneddirector · ~73y · resigned 1992-09-30
CHAN, David→
Resigneddirector · ~73y · appointed 1993-08-10 · resigned 1996-11-26
CORDINGLEY, Dale Hayton→
Resigneddirector · ~73y · appointed 2000-12-13 · resigned 2005-07-14
CRAGGS, David Colin→
Resigneddirector · ~63y · appointed 2007-10-29 · resigned 2013-09-26
CRONIN, Gareth→
Resigneddirector · ~51y · appointed 2023-11-28 · resigned 2023-11-30
CROOK, Peter Stuart→
Resigneddirector · ~63y · appointed 2005-10-19 · resigned 2017-08-21
Click a director name to see their full track record across all companies.
Mortgages & charges
3
Total charges
0
Outstanding
0
Active lenders
Status:Lender:3 of 3 shown
| Type | Properties | |||||
|---|---|---|---|---|---|---|
| satisfied | Capita Trust Company Capita Trust Company Limited | Floating charge over deposits and receivables | 1 property | 22/12/2011 | 14/12/2021 | |
| satisfied | Pxp West Midlands LP | Rent deposit deed | 1 property | 08/02/2010 | 24/01/2020 | |
| satisfied | Hastings & Bexhill Renaissance Hastings & Bexhill Renaissance LTD | Occupational licence | 1 property | 08/09/2009 | 20/12/2017 |
Recent filings (329 total)
gazette-dissolved-liquidation
gazette · GAZ2
2024-10-05
liquidation-voluntary-members-return-of-final-meeting
insolvency · LIQ13
2024-07-05
resolution
resolution · RESOLUTIONS
2024-05-20
memorandum-articles
incorporation · MA
2024-05-20
appoint-person-director-company-with-name-date
officers · AP01
2023-12-13
appoint-person-director-company-with-name-date
officers · AP01
2023-12-13
termination-director-company-with-name-termination-date
officers · TM01
2023-12-13
termination-director-company-with-name-termination-date
officers · TM01
2023-12-13
termination-director-company-with-name-termination-date
officers · TM01
2023-12-13
termination-director-company-with-name-termination-date
officers · TM01
2023-12-13
appoint-person-director-company-with-name-date
officers · AP01
2023-12-13
appoint-person-director-company-with-name-date
officers · AP01
2023-12-13
liquidation-voluntary-declaration-of-solvency
insolvency · LIQ01
2023-09-27
liquidation-voluntary-appointment-of-liquidator
insolvency · 600
2023-09-27
resolution
resolution · RESOLUTIONS
2023-09-27