VANQUIS BANKING GROUP PLC

🌳Matureactive

00668987 · plc · incorporated 1960-08-31

Investment thesis

Looks cheap but ownership + security both unclear — probable value trap.

Why interesting: Headline metrics may be attractive.

Why risky: No PSC visibility combined with multiple live charges; transacting likely slow and expensive.

Opportunity decay

approaching window · 12-months

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

· Oldest live charge 14.5y old — refinance window within 12 months

🔒Estimated value

—

Upgrade to see

Turnover

—

not disclosed

Net worth

—

book net assets

Opportunity

79/100

Strong

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What this business does

Primary activity: Activities of financial services holding companies

Sector: Financial & insurance

Investor take

Pursue

Asset-holding vehicle with a 68-year-old founder — textbook succession opportunity.

Opportunity 79/100 (strong), bankability 85/100. Strong seller-intent signal (73/100, director aged 68). Share purchase looks the cleaner deal structure. Most likely exit: share sale to pe / searcher (65/100).

🏦

Refinance opportunity

2 live charges · 2 lenders · oldest 14.5y

50/100

clean up first

Refinance viable after a tidy-up — address the highlighted items first.

· Oldest live charge is 14.5 years old — likely at or near maturity.
· Two lenders — manageable, but coordination required.
· Legal-friction score 28/100 — workable, but lender will want more DD.

Data confidence

Overall: low (50/100)

Sparse data coverage. Treat AI-generated outputs as preliminary. Manual diligence essential.

Company profile

address, 1 SIC codes, incorporation date

100

Financials

No iXBRL financials extracted

Lenders & charges

2 charges (2/2 with lender, 2/2 with type)

Directors & officers

58 officers (9 active, 58 linked, 51 with DOB)

Ownership & PSC

No PSCs filed (unusual — worth investigating)

Director network

5 connected companies via shared directors

Filing history

1347 filings on record

Gazette notices

No matching gazette notices (standard for active companies)

Opportunity Score

79/100Strong

PassWatchWorth a lookStrongExceptional

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

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 resolution

Last 90 days

filings

• 1 resolution
• 1 accounts

Last 180 days

filings

• 5 officers
• 1 resolution
• 1 accounts

Counts from Companies House filing history.

Corporate timeline (126 events)Click to expand

2026-05-26
📄
resolution
resolution · RESOLUTIONS
2026-04-24
📄
accounts-with-accounts-type-group
accounts · AA
2025-12-23
📄
change-person-director-company-with-change-date
officers · CH01
2025-12-23
📄
change-person-director-company-with-change-date
officers · CH01
2025-12-22
📄
change-person-director-company-with-change-date
officers · CH01
2025-12-22
📄
change-person-director-company-with-change-date
officers · CH01
2025-12-22
📄
change-person-director-company-with-change-date
officers · CH01
2025-11-04
📄
mortgage-satisfy-charge-full
mortgage · MR04
2025-11-04
🔓
Charge satisfied #2
2025-10-20
📄
capital-allotment-shares
capital · SH01
2025-09-19
📍
change-registered-office-address-company-with-date-old-address-new-address
address · AD01
2025-06-26
📄
accounts-with-accounts-type-group
accounts · AA
2025-06-11
📄
capital-allotment-shares
capital · SH01
2025-05-27
📄
resolution
resolution · RESOLUTIONS
2025-01-30
📄
termination-director-company-with-name-termination-date
officers · TM01
2025-01-30
📄
termination-director-company-with-name-termination-date
officers · TM01
2025-01-29
➖
HEWITT, Paul William resigned
director
2025-01-29
➖
KNIGHT, Angela Ann resigned
director
2024-11-11
📄
termination-secretary-company-with-name-termination-date
officers · TM02
2024-11-08
📄
appoint-person-secretary-company-with-name-date
officers · AP03
2024-11-06
➕
MUSTARD, Michael appointed
secretary
2024-11-06
➖
MCCLURE, Elizabeth Rachel resigned
secretary
2024-10-11
➖
BARNETT, Melanie resigned
secretary
2024-10-11
➕
MCCLURE, Elizabeth Rachel appointed
secretary
2024-10-11
📄
appoint-person-secretary-company-with-name-date
officers · AP03
2024-10-11
📄
termination-secretary-company-with-name-termination-date
officers · TM02
2024-05-24
📄
resolution
resolution · RESOLUTIONS
2024-05-16
📄
termination-director-company-with-name-termination-date
officers · TM01
2024-05-16
📄
termination-director-company-with-name-termination-date
officers · TM01
2024-05-15
➖
CHAMBERS, Elizabeth Grace resigned
director
2024-05-15
➖
JAMES, Margot Cathleen resigned
director
2024-04-18
📄
accounts-with-accounts-type-group
accounts · AA
2024-03-27
➕
BRIGGS, Karen Sarah appointed
director
2024-03-27
➕
LAIRD, Oliver Walter appointed
director
2024-03-27
➕
NOAKES, Jacqueline Dorothy Mary appointed
director
2024-02-01
➖
BLANCE, Andrea Margaret resigned
director
2023-11-01
➕
WATTS, David Michael, Mr. appointed
director
2023-09-15
➖
SNOWBALL, Patrick Joseph Robert resigned
director
2023-08-07
➖
KAPUR, Neeraj resigned
director
2023-08-01
➕
MCLAUGHLIN, Ian Michael Brian appointed
director
2023-08-01
➖
LE MAY, Malcolm John resigned
director
2023-04-19
➕
ESTLIN, Peter Kenneth, Sir appointed
director
2023-03-09
➕
GREENE, Michele appointed
director
2022-08-19
➕
BARNETT, Melanie appointed
secretary
2022-08-19
➖
DAVIES, Charlotte resigned
secretary
2022-01-13
➖
EAST, Robert resigned
director
2021-12-14
🔓
Charge satisfied #1
2020-07-27
➕
JAMES, Margot Cathleen appointed
director
2020-04-01
➕
KAPUR, Neeraj appointed
director
2020-03-31
➖
THOMAS, Simon George resigned
director

Showing most recent 50 of 126 events

Owner dependency

55/100

Moderate — manageable with handover

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

FACTORS

-8 active directors: Broader management team in place — suggests transferable governance.
+Founder age: Director aged approximately 68 — succession pressure is live.

Succession & seller-readiness

50/100

Moderate signal

Some succession indicators present. Worth watching; approach if sector/strategy fits.

SIGNALS

primaryFounder aged 63+: Senior director is approximately 68. Approaching typical UK retirement age — succession thinking likely.

Red flags

clean

No red flags detected from available public data. (This is not a clean bill of health — detailed accounts review still recommended.)

🔒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

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 →

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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.

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Company details

Statusactive

Typeplc

Incorporated1960-08-31

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: 2027-06-30

Last made up to: 2025-12-31

Confirmation statement

Next due: 2026-10-20

Last: 2025-10-06