ALDERMORE BANK PLC

🌳Matureactive

00947662 · plc · incorporated 1969-02-10

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

73/100

Strong

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What this business does

Primary activity: Banks

Sector: Financial & insurance

Investor take

Pursue

Active trading company with a 67-year-old founder — textbook succession opportunity.

Opportunity 73/100 (strong), bankability 57/100. Strong seller-intent signal (63/100, director aged 67). Asset purchase likely safer than share purchase given structural signals. Biggest value-creation lever: Consolidate lender relationships. 7 distinct lenders creates friction — refinance into single-lender structure for cleaner diligence. Most likely exit: strategic trade sale (48/100).

🏦

Refinance opportunity

14 live charges · 7 lenders · oldest 46.2y

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 46.2 years old — likely at or near maturity.
· 7 lenders named — inter-creditor friction likely.
· Legal-friction score 63/100 (high).

Data confidence

Overall: medium (61/100)

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

14 charges (14/14 with lender, 14/14 with type)

Directors & officers

70 officers (13 active, 70 linked, 56 with DOB)

Ownership & PSC

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

Director network

15 connected companies via shared directors

Filing history

383 filings on record

Gazette notices

No matching gazette notices (standard for active companies)

Opportunity Score

73/100Strong

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

Few red flags.

Signal strength

100

Good data coverage for analysis.

Recent activity

Last 30 days

filings

Last 90 days

filing

• 1 officers

Last 180 days

filings

• 2 officers

Counts from Companies House filing history.

Corporate timeline (161 events)Click to expand

2026-04-15
📄
appoint-person-director-company-with-name-date
officers · AP01
2026-04-09
➕
SAINSBURY, Adrian John appointed
director
2026-01-05
➖
BANKS, Richard Lee resigned
director
2026-01-05
📄
termination-director-company-with-name-termination-date
officers · TM01
2025-12-05
📄
appoint-person-director-company-with-name-date
officers · AP01
2025-12-01
➕
LAWRENCE, Paul Joseph appointed
director
2025-11-06
📄
change-person-director-company-with-change-date
officers · CH01
2025-11-04
📄
accounts-with-accounts-type-full
accounts · AA
2025-11-04
📄
termination-director-company-with-name-termination-date
officers · TM01
2025-11-04
📄
appoint-person-director-company-with-name-date
officers · AP01
2025-11-03
➕
MAKANJEE, Rajendra appointed
director
2025-10-31
➖
COOPER, Steven Martin resigned
director
2025-09-18
📄
appoint-person-director-company-with-name-date
officers · AP01
2025-09-18
📄
termination-director-company-with-name-termination-date
officers · TM01
2025-09-15
➕
BRITNELL, Louise Jeanette appointed
director
2025-09-15
➖
COATES, Ralph Douglas resigned
director
2025-05-28
➖
HITCHINS, John Charles Fortescue resigned
director
2025-05-28
📄
termination-director-company-with-name-termination-date
officers · TM01
2024-11-05
📄
auditors-resignation-company
auditors · AUD
2024-10-24
📄
accounts-with-accounts-type-full
accounts · AA
2024-07-12
📄
appoint-person-director-company-with-name-date
officers · AP01
2024-07-01
➕
LENMAN, Alasdair Bruce appointed
director
2024-04-02
📄
appoint-person-director-company-with-name-date
officers · AP01
2024-04-02
📄
appoint-person-director-company-with-name-date
officers · AP01
2024-04-02
📄
termination-director-company-with-name-termination-date
officers · TM01
2024-04-02
📄
termination-director-company-with-name-termination-date
officers · TM01
2024-04-01
➕
DAVIAS, Markos George appointed
director
2024-04-01
➕
VILAKAZI, Mary Seemane appointed
director
2024-03-31
➖
KELLAN, Hetash Surendrakumar resigned
director
2024-03-31
➖
PULLINGER, Alan Patrick resigned
director
2024-01-11
📄
appoint-person-secretary-company-with-name-date
officers · AP03
2024-01-01
➕
HUGHES, David Jonathan appointed
secretary
2023-11-09
📍
change-sail-address-company-with-old-address-new-address
address · AD02
2023-10-27
📄
accounts-with-accounts-type-full
accounts · AA
2023-03-02
📄
appoint-person-secretary-company-with-name-date
officers · AP03
2023-03-02
📄
termination-secretary-company-with-name-termination-date
officers · TM02
2023-03-01
➕
CONWAY, Melissa appointed
secretary
2023-02-28
➖
PARKER-WOOD, Clive Stanley resigned
secretary
2022-10-31
➖
TURNER, Catherine Lucy resigned
director
2022-09-01
➕
PARKER-WOOD, Clive Stanley appointed
secretary
2022-08-31
➖
LAGAN, Jonathan Patrick resigned
secretary
2022-06-04
➕
LAGAN, Jonathan Patrick appointed
secretary
2022-06-03
➖
BODELL, Kerryn Lynn resigned
secretary
2022-05-01
➕
COATES, Ralph Douglas appointed
director
2022-04-30
➖
CORDELL, Mary Claire resigned
director
2021-10-01
➕
HANDCOCK, Ruth Anna appointed
director
2021-08-01
➕
MURRAY, Rosemary Carol appointed
director
2021-05-10
➕
COOPER, Steven Martin appointed
director
2021-05-07
➖
MONKS, Phillip resigned
director
2021-03-31
➖
GRAY, Danuta resigned
director

Showing most recent 50 of 161 events

Owner dependency

55/100

Moderate — manageable with handover

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

FACTORS

-11 active directors: Broader management team in place — suggests transferable governance.
+Founder age: Director aged approximately 67 — 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 67. Approaching typical UK retirement age — succession thinking likely.

Red flags

1 med · 1 low

3 director resignations in last 12 months

medium

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

Evidence: BANKS, Richard Lee resigned 2026-01-05; COATES, Ralph Douglas resigned 2025-09-15; COOPER, Steven Martin resigned 2025-10-31

13 live charges

low

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

Group structure

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

🏛️

Aldermore Group Plc

Corporate parent · holds 75-100% shares

ultimate parent

⬇

ALDERMORE BANK PLC

This company · 00947662

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
Aldermore Group 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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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

Typeplc

Incorporated1969-02-10

Jurisdictionengland-wales

Primary SIC64191 — Banks

Registered office

Apex Plaza

Forbury Road

Reading

RG1 1AX

Filing status

Accounts

Next due: 2026-12-31

Last made up to: 2025-06-30

Confirmation statement

Next due: 2026-11-13

Last: 2025-10-30