SHAWBROOK BANK LIMITED

🌳Matureactive

00388466 · ltd · incorporated 1944-06-29

Investment thesis

Well-run mature business — low negotiation leverage; premium likely.

Why interesting: Textbook target; clean filings, stable trading.

Why risky: No pressure on seller; any deal likely at full price.

Opportunity decay

approaching window · 12-months

Approaching a transaction window — refinance or sale event plausible in the next 12 months.

· Oldest live charge 7.9y old — refinance window within 12 months

🔒Estimated value

—

Upgrade to see

Turnover

—

not disclosed

Net worth

—

book net assets

Opportunity

83/100

Exceptional

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What this business does

Primary activity: Banks

Sector: Financial & insurance

Investor take

Pursue

Active trading company with a 76-year-old founder — textbook succession opportunity.

Opportunity 83/100 (exceptional), bankability 85/100. Strong seller-intent signal (73/100, director aged 76). Share purchase looks the cleaner deal structure. Most likely exit: strategic trade sale (73/100).

🏦

Refinance opportunity

3 live charges · 2 lenders · oldest 7.9y

70/100

ready

Refinance conversation should be productive — structure clean and timing right.

· Oldest live charge is 7.9 years old — likely at or near maturity.
· Two lenders — manageable, but coordination required.
· Legal-friction score 20/100 — clean.

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

3 charges (3/3 with lender, 3/3 with type)

Directors & officers

54 officers (11 active, 54 linked, 45 with DOB)

Ownership & PSC

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

Director network

6 connected companies via shared directors

Filing history

286 filings on record

Gazette notices

No matching gazette notices (standard for active companies)

Opportunity Score

83/100Exceptional

PassWatchWorth a lookStrongExceptional

Strong composite across quality, acquirability, and risk. High-priority target — progress to serious diligence.

Business quality

Active, clean filings, stable charge profile.

Acquirability

Strong succession / seller-readiness signals.

Risk profile

Few red flags.

Signal strength

100

Good data coverage for analysis.

Recent activity

Last 30 days

filing

• 1 confirmation-statement

Last 90 days

filing

• 1 confirmation-statement

Last 180 days

filings

• 1 confirmation-statement
• 1 capital

Counts from Companies House filing history.

Corporate timeline (117 events)Click to expand

2025-12-05
📄
capital-allotment-shares
capital · SH01
2025-04-03
📄
accounts-with-accounts-type-group
accounts · AA
2025-04-01
📄
termination-director-company-with-name-termination-date
officers · TM01
2025-03-31
➖
LAWRENCE, Paul Joseph resigned
director
2024-07-01
➕
WEIR, Derek James appointed
director
2024-07-01
📄
appoint-person-director-company-with-name-date
officers · AP01
2024-05-08
📄
accounts-with-accounts-type-group
accounts · AA
2023-07-18
📄
accounts-with-accounts-type-group
accounts · AA
2023-06-23
📄
mortgage-satisfy-charge-full
mortgage · MR04
2023-06-23
🔓
Charge satisfied #3
2023-02-06
📄
appoint-person-secretary-company-with-name-date
officers · AP03
2023-02-03
📄
termination-secretary-company-with-name-termination-date
officers · TM02
2023-01-24
➕
NICHOLSON, Andrew James appointed
secretary
2023-01-24
➖
RUSHBROOK, Daniel James resigned
secretary
2022-07-11
📄
mortgage-create-with-deed-with-charge-number-charge-creation-date
mortgage · MR01
2022-07-01
📄
termination-director-company-with-name-termination-date
officers · TM01
2022-06-30
➖
ASHTON, Robin James resigned
director
2022-06-30
🔒
Charge registered #3
Lender: Ealbrook Mortgage Funding 2022-1 PLC
2022-05-05
📄
second-filing-of-director-appointment-with-name
officers · RP04AP01
2022-05-03
📄
appoint-person-director-company-with-name-date
officers · AP01
2022-05-01
➕
CONNOR, Janet appointed
director
2022-04-25
📄
accounts-with-accounts-type-group
accounts · AA
2022-04-05
📄
second-filing-of-director-appointment-with-name
officers · RP04AP01
2022-03-15
📄
appoint-person-director-company-with-name-date
officers · AP01
2022-03-10
➕
TU, Thi Nhuoc Lan appointed
director
2021-07-29
📄
mortgage-satisfy-charge-full
mortgage · MR04
2021-07-29
📄
mortgage-satisfy-charge-full
mortgage · MR04
2021-07-29
🔓
Charge satisfied #2
2021-07-29
🔓
Charge satisfied #1
2021-07-13
📄
accounts-with-accounts-type-group
accounts · AA
2021-06-09
📄
appoint-person-director-company-with-name-date
officers · AP01
2021-06-07
➕
GARCIA, Marcelino Castrillo appointed
director
2021-06-07
➖
COWIE, Ian resigned
director
2019-10-01
➕
TURMORE, Michele Mavis appointed
director
2019-08-31
➖
LOVERING, Roger Vincent resigned
director
2019-01-31
➖
GAGIE, David Ronald resigned
director
2019-01-31
➖
HIBBERD, Sally-Ann resigned
director
2018-12-19
🔒
Charge registered #2
Lender: Abn Amro Bank N.V.
2018-07-27
➕
COWIE, Ian appointed
director
2018-07-27
➖
PATEMAN, Stephen James, Chief Executive Officer resigned
director
2018-06-15
🔒
Charge registered #1
Lender: Abn Amro Bank N.V.
2018-03-08
➕
CALLENDER, John Dalrymple appointed
director
2018-03-08
➖
CORNISH, Iain resigned
director
2018-01-23
➖
JOHNSON, Stephen David resigned
director
2017-09-05
➕
DUBOURDIEU, Cedric, Mr appointed
director
2017-02-06
➕
MINTO, Dylan appointed
director
2017-02-01
➕
DIDHAM, Andrew appointed
director
2016-06-30
➖
WOOD, Thomas Francis resigned
director
2016-06-09
➖
ALCOCK, Graham Paul resigned
director
2016-01-01
➕
GAGIE, David Ronald appointed
director

Showing most recent 50 of 117 events

Owner dependency

65/100

High — earn-out structure required

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

FACTORS

-10 active directors: Broader management team in place — suggests transferable governance.
+Long-tenure founder: Senior director has been in place 15 years — deep operational knowledge concentrated in one person.
+Founder age: Director aged approximately 76 — succession pressure is live.

Succession & seller-readiness

73/100

Strong succession signal

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

SIGNALS

primaryFounder aged 70+: Senior director is approximately 76 years old. Natural succession window is now.
secondary12+ year tenure: Director in role 15 years.
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.)

Group structure

Shawbrook Group Plc is the ultimate parent — holding 75%+ shares. This company sits inside their group.

🏛️

Shawbrook Group Plc

Corporate parent · holds 75-100% shares · board control

ultimate parent

⬇

SHAWBROOK BANK LIMITED

This company · 00388466

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
Shawbrook 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.

See pricing →

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4SYTE LENDING LTD→ 08980337 · est 2014 · no financials extracted	—	—	—	—	12y	—	—
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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.

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Company details

Statusactive

Typeltd

Incorporated1944-06-29

Jurisdictionengland-wales

Primary SIC64191 — Banks

Registered office

Lutea House The Drive, Warley Hill Business Park

Great Warley

Brentwood

Essex

CM13 3BE

Filing status

Accounts

Next due: 2026-09-30

Last made up to: 2024-12-31

Confirmation statement

Next due: 2027-04-08

Last: 2026-03-25