RBC EUROPE LIMITED
🌳Matureactive
00995939 · ltd · incorporated 1970-12-02
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
70/100
Strong
What this business does
Primary activity: Banks
Sector: Financial & insurance
Investor take
PursueActive trading company with a 67-year-old founder — textbook succession opportunity.
Opportunity 70/100 (strong), bankability 57/100. Strong seller-intent signal (63/100, director aged 67). Biggest value-creation lever: Consolidate lender relationships. 27 distinct lenders creates friction — refinance into single-lender structure for cleaner diligence. Most likely exit: strategic trade sale (48/100).
🏦
Refinance opportunity
42 live charges · 26 lenders · oldest 42.0y
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 42.0 years old — likely at or near maturity.
- · 26 lenders named — inter-creditor friction likely.
- · Legal-friction score 63/100 (high).
Data confidence
Overall: medium (58/100)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
42 charges (42/42 with lender, 42/42 with type)
90
Directors & officers
88 officers (11 active, 88 linked, 80 with DOB)
88
Ownership & PSC
1 active PSC(s) of 1 total, 1 with control declared
90
Director network
5 connected companies via shared directors
60
Filing history
493 filings on record
85
Gazette notices
No matching gazette notices (standard for active companies)
60
Opportunity Score
70/100Strong
PassWatchWorth a lookStrongExceptional
Solid opportunity signal. Worth a dedicated memo and management meeting.
Business quality
60
Adequate — check latest filings for context.
Acquirability
70
Strong succession / seller-readiness signals.
Risk profile
66
Some moderate concerns — review flags.
Signal strength
100
Good data coverage for analysis.
Recent activity
Last 30 days
0
filings
Last 90 days
5
filings
- • 4 officers
- • 1 accounts
Last 180 days
7
filings
- • 4 officers
- • 1 accounts
- • 1 confirmation-statement
Counts from Companies House filing history.
Corporate timeline (222 events)Click to expand
- 2026-04-18📄accounts-with-accounts-type-fullaccounts · AA
- 2026-04-17📄appoint-person-director-company-with-name-dateofficers · AP01
- 2026-04-17📄appoint-person-director-company-with-name-dateofficers · AP01
- 2026-04-17📄appoint-person-director-company-with-name-dateofficers · AP01
- 2026-04-10➕BEER, Robin appointeddirector
- 2026-04-10➕HURRELL, Sian appointeddirector
- 2026-03-31➖TAYLOR, Caroline Helen resigneddirector
- 2026-03-31📄termination-director-company-with-name-termination-dateofficers · TM01
- 2026-03-27➕BRADLEY, Kelly Michelle appointeddirector
- 2025-12-11📄capital-allotment-sharescapital · SH01
- 2025-12-03📄mortgage-create-with-deed-with-charge-number-charge-creation-datemortgage · MR01
- 2025-12-03📄mortgage-create-with-deed-with-charge-number-charge-creation-datemortgage · MR01
- 2025-12-03📄mortgage-create-with-deed-with-charge-number-charge-creation-datemortgage · MR01
- 2025-12-02🔒Charge registered #42Lender: Lme Clear Limited
- 2025-12-02🔒Charge registered #41Lender: Lme Clear Limited
- 2025-12-02🔒Charge registered #40Lender: Lme Clear Limited
- 2025-10-06📄termination-director-company-with-name-termination-dateofficers · TM01
- 2025-10-02➖GUZMAN, Douglas Antony resigneddirector
- 2025-06-27📄accounts-with-accounts-type-fullaccounts · AA
- 2025-06-04📄appoint-person-director-company-with-name-dateofficers · AP01
- 2025-06-02➕NORTON, Amanda appointeddirector
- 2025-01-20📄termination-secretary-company-with-name-termination-dateofficers · TM02
- 2024-12-18➖RICHARDSON, Alexander Philip resignedsecretary
- 2024-12-18📄appoint-person-secretary-company-with-name-dateofficers · AP03
- 2024-12-12➕CONCANNON, Margaret appointedsecretary
- 2024-12-06📄termination-director-company-with-name-termination-dateofficers · TM01
- 2024-11-30➖THOMAS, David John resigneddirector
- 2024-11-22📄appoint-person-director-company-with-name-dateofficers · AP01
- 2024-11-22📄termination-director-company-with-name-termination-dateofficers · TM01
- 2024-11-20➕PATRICK, Lindsay Jane, Ms. appointeddirector
- 2024-11-20➖MAXWELL, Vernon Troy resigneddirector
- 2024-09-21📄memorandum-articlesincorporation · MA
- 2024-09-21📄resolutionresolution · RESOLUTIONS
- 2024-04-08📄accounts-with-accounts-type-fullaccounts · AA
- 2024-03-14📄appoint-person-director-company-with-name-dateofficers · AP01
- 2024-03-11➕GUZMAN, Douglas Antony appointeddirector
- 2024-02-09📄legacymiscellaneous · ANNOTATION
- 2023-11-22🔒Charge registered #39Lender: Citibank N.A.
- 2023-11-08➖MUMFORD, Nicola Jane resigneddirector
- 2023-11-08➕TAYLOR, Caroline Helen appointeddirector
- 2023-09-13➖AHN, Nadine resigneddirector
- 2022-10-31➕HAMMOND, Andrew appointeddirector
- 2022-03-16➖HEPWORTH, Graeme resigneddirector
- 2020-10-15🔒Charge registered #38Lender: National Westminster Bank PLC
- 2020-07-30➕HEPWORTH, Graeme appointeddirector
- 2020-06-30➖MACLAREN, Bruce William resigneddirector
- 2020-06-11➕BUCKLEY, David Douglas appointeddirector
- 2019-12-31➖PETTIGREW, James Neilson resigneddirector
- 2019-12-19➖SAMUEL, Harry Jacob resigneddirector
- 2019-07-12🔒Charge registered #37Lender: J.Aron & Company Llc
Showing most recent 50 of 222 events
Owner dependency
55/100
Moderate — manageable with handoverSome founder dependency, but not acute. A structured handover period should cover most risk.
FACTORS
- -10 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 signalSome 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
2 med · 1 low2 director resignations in last 12 months
mediumMultiple recent departures can indicate governance disagreement, succession event, or preparation for sale/stress.
Evidence: GUZMAN, Douglas Antony resigned 2025-10-02; TAYLOR, Caroline Helen resigned 2026-03-31
3 new charges in last 12 months
mediumHeavy recent charge activity can indicate refinancing pressure, aggressive leverage, or multiple lender rotation.
Evidence: 2025-12-02: A registered charge; 2025-12-02: A registered charge; 2025-12-02: A registered charge
41 live charges
lowHeavily leveraged with multiple live security positions — understand the capital structure before proceeding.
Group structure
Royal Bank Of Canada is the ultimate parent — holding 75%+ shares. This company sits inside their group.
🏛️ultimate parent
Royal Bank Of Canada
Corporate parent · holds 75-100% shares · board control
⬇
RBC EUROPE LIMITED
This company · 00995939
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 |
|---|---|---|---|---|
Royal Bank Of Canada 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 →Similar companies
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|---|---|---|---|---|---|---|---|
| A&D WEALTH LIMITED→ 15662765 · est 2024 · no financials extracted | — | — | — | — | 1y | — | — |
| ACTIVE BUSINESS FINANCE SOLUTIONS LIMITED→ 09140671 · est 2014 · no financials extracted | — | — | — | — | 11y | — | — |
| ACUMEN INSURANCE SERVICES LIMITED→ 05004926 · est 2003 · no financials extracted | — | — | — | — | 22y | — | — |
| ADA CORPORATE CAPITAL LIMITED→ 15958161 · est 2024 · no financials extracted | — | — | — | — | 1y | — | — |
| ADDINGSTONE INSURANCE SOLUTIONS LTD→ 06699312 · est 2008 · no financials extracted | — | — | — | — | 17y | — | — |
| ADDITIONAL SECURITIES LIMITED→ 00325101 · est 1937 · no financials extracted | — | — | — | — | 89y | — | — |
| ADEX MARKETS LTD→ 13893374 · est 2022 · no financials extracted | — | — | — | — | 4y | — | — |
| ADIB (UK) LIMITED→ 07327879 · est 2010 · no financials extracted | — | — | — | — | 15y | — | — |
| ADIONA TECHNOLOGIES LIMITED→ 13071352 · est 2020 · no financials extracted | — | — | — | — | 5y | — | — |
| ADJUSTECK LTD→ 12726923 · est 2020 · no financials extracted | — | — | — | — | 5y | — | — |
| ADJUSTING SERVICES LIMITED→ 01200890 · est 1975 · no financials extracted | — | — | — | — | 51y | — | — |
| ADL COMMERCIAL FINANCE LTD→ 15657462 · est 2024 · no financials extracted | — | — | — | — | 1y | — | — |
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
Statusactive
Typeltd
Incorporated1970-12-02
Jurisdictionengland-wales
Primary SIC64191 — Banks
Registered office
100 Bishopsgate
London
EC2N 4AA
United Kingdom
Filing status
Accounts
Next due: 2027-07-31
Last made up to: 2025-10-31
Confirmation statement
Next due: 2027-03-10
Last: 2026-02-24
Officers (11 active · 77 resigned)
CONCANNON, Margaret→
Activesecretary · appointed 2024-12-12
View their other companies + combined net worth →
Active
BRADLEY, Kelly Michelle→
Activedirector · ~51y · appointed 2026-03-27
View their other companies + combined net worth →
BUCKLEY, David Douglas→
Activedirector · ~64y · appointed 2020-06-11
View their other companies + combined net worth →
DIXON, Peter John→
Activedirector · ~54y · appointed 2019-06-13
View their other companies + combined net worth →
HAMMOND, Andrew→
Activedirector · ~47y · appointed 2022-10-31
View their other companies + combined net worth →
HURRELL, Sian→
Activedirector · ~57y · appointed 2026-04-10
View their other companies + combined net worth →
NORTON, Amanda→
Activedirector · ~60y · appointed 2025-06-02
View their other companies + combined net worth →
PATRICK, Lindsay Jane, Ms.→
Activedirector · ~52y · appointed 2024-11-20
View their other companies + combined net worth →
WADE, Timothy Cardwell→
Activedirector · ~67y · appointed 2019-05-15
View their other companies + combined net worth →
WILLIAMS, Polly Ann→
Activedirector · ~61y · appointed 2017-04-03
View their other companies + combined net worth →
BIRKS, Charlotte→
Resignedsecretary · appointed 2015-12-09 · resigned 2018-02-16
COATMAN, Helen Joanna→
Resignedsecretary · appointed 2003-08-08 · resigned 2006-06-13
FISHER, Charles John Hamilton→
Resignedsecretary · resigned 2004-01-31
MOULTON-BRADY, Steven Michael Barry→
Resignedsecretary · appointed 2015-06-26 · resigned 2015-09-30
RICHARDSON, Alexander Philip→
Resignedsecretary · appointed 2018-04-03 · resigned 2024-12-18
SHAH, Farhat→
Resignedsecretary · appointed 2005-09-29 · resigned 2006-10-25
WRIGHT, Jason Leslie→
Resignedsecretary · appointed 2007-07-05 · resigned 2015-06-26
AHN, Nadine→
Resigneddirector · ~55y · appointed 2017-06-02 · resigned 2023-09-13
BARNETT, David Jonathan→
Resigneddirector · ~70y · appointed 1999-03-01 · resigned 1999-06-30
Click a director name to see their full track record across all companies.
Mortgages & charges
42
Total charges
41
Outstanding
26
Active lenders
Status:Lender:42 of 42 shown
| Type | Properties | |||||
|---|---|---|---|---|---|---|
| outstanding | Lme Clear Lme Clear Limited | A registered charge | — | 02/12/2025 | — | |
| outstanding | Lme Clear Lme Clear Limited | A registered charge | — | 02/12/2025 | — | |
| outstanding | Lme Clear Lme Clear Limited | A registered charge | — | 02/12/2025 | — | |
| outstanding | Citibank N.A. | A registered charge | — | 22/11/2023 | — | |
| outstanding | National Westminster Bank National Westminster Bank PLC | A registered charge | — | 15/10/2020 | — | |
| outstanding | J.Aron & Company J.Aron & Company Llc | A registered charge | 1 property | 12/07/2019 | — | |
| outstanding | J. Aron & Company J. Aron & Company Llc | A registered charge | 1 property | 02/05/2019 | — | |
| outstanding | Euroclear Bank | A registered charge | — | 18/03/2019 | — | |
| outstanding | J. Aron & Company J. Aron & Company Llc | A registered charge | 1 property | 16/01/2019 | — | |
| outstanding | J. Aron & Company J. Aron & Company Llc | A registered charge | 1 property | 10/12/2018 | — | |
| outstanding | Rbc Dominion Securities . 200 Bay Street, Royal Bank Plaza, 2ND Floor, Toronto, Ontario M5J 2W7 Rbc Dominion Securities Inc. 200 Bay Street, Royal Bank Plaza, 2ND Floor, Toronto, Ontario M5J 2W7 | A registered charge | — | 03/10/2018 | — | |
| outstanding | J.Aron & Company J.Aron & Company Llc | A registered charge | — | 07/08/2018 | — | |
| outstanding | Royal Bank of Canada, a Federally Chartered Canadian Bank, Whose Head Office is at 200 Bay Street, Royal Bank Plaza, 2ND Floor, Toronto, Ontario M5J 2W7 | A registered charge | — | 18/05/2018 | — | |
| outstanding | J. Aron & Company J. Aron & Company Llc | A registered charge | 1 property | 25/01/2018 | — | |
| outstanding | Eurex Clearing Aktiengesellschaft | A registered charge | — | 09/01/2018 | — | |
| outstanding | J. Aron & Company J. Aron & Company Llc | A registered charge | 1 property | 28/12/2017 | — | |
| outstanding | Citibank Europe / Citibank N.A., London Branch on Behalf of Itself and Certain Branches and Affiliates Citibank Europe PLC / Citibank N.A., London Branch on Behalf of Itself and Certain Branches and Affiliates | A registered charge | 1 property | 28/09/2017 | — | |
| outstanding | Citibank Europe Citibank Europe PLC | A registered charge | 1 property | 28/09/2017 | — | |
| outstanding | National Westminster Bank National Westminster Bank PLC | A registered charge | — | 04/09/2017 | — | |
| outstanding | Lme Clear Lme Clear Limited | A registered charge | — | 22/12/2016 | — | |
| outstanding | Deutsche Bank Ag | A registered charge | 1 property | 30/11/2016 | — | |
| outstanding | The Bank of New York Mellon | A registered charge | — | 01/09/2016 | — | |
| outstanding | Goldman Sachs International | A registered charge | — | 26/08/2016 | — | |
| outstanding | The Bank of New York Mellon | A registered charge | — | 25/07/2016 | — | |
| outstanding | Euroclear Bank Sa\Nv | A registered charge | — | 13/10/2014 | — | |
| outstanding | Euroclear Bank Sa/Nv | A registered charge | — | 27/05/2014 | — | |
| outstanding | Eurex Clearing Aktiengesellschaft (And Its Successors in Title and Permitted Transferees) | A registered charge | 1 property | 12/03/2014 | — | |
| outstanding | Royal Bank of Canada | A registered charge | 1 property | 22/07/2013 | — | |
| outstanding | Rbc Dominion Securities . Rbc Dominion Securities Inc. | Security deed creating security over cash and securities | 1 property | 30/11/2012 | — | |
| outstanding | European Central Counterparty European Central Counterparty Limited | Supplemental security deed | 1 property | 21/07/2011 | — | |
| outstanding | European Central Counterparty European Central Counterparty Limited | Pledge agreement | 1 property | 21/07/2011 | — | |
| outstanding | European Central Counterparty European Central Counterparty Limited | Pledge agreement | 1 property | 25/03/2011 | — | |
| outstanding | European Central Counterparty European Central Counterparty Limited | Security deed | 1 property | 25/03/2011 | — | |
| outstanding | Morgan Stanley & Co. International for Itself and Morgan Stanley & Co. International as Agent and Trustee for the Morgan Stanley Companies Morgan Stanley & Co. International PLC for Itself and Morgan Stanley & Co. International PLC as Agent and Trustee for the Morgan Stanley Companies | A prime brokerage agreement | 2 properties | 07/02/2011 | — | |
| outstanding | Citibank N.A. | Secuity deed | 1 property | 17/08/2010 | — | |
| outstanding | Lloyds Banking Group The Royal Bank of Scotland PLC | Security deed | 1 property | 11/08/2010 | — | |
| outstanding | The Bank of New York Mellon | Debenture | 1 property | 13/04/2010 | — | |
| outstanding | Deutsche Bank Ag, London Branch | Master novation agreement | 1 property | 02/05/2006 | — | |
| satisfied | Barclays Barclays Capital Securities Limited | Prime brokerage agreement | 1 property | 07/10/2004 | 23/02/2012 | |
| outstanding | Citibank Na | Security deed | 1 property | 10/07/2001 | — | |
| outstanding | Morgan Guaranty Trust Company of New York | Collateral agreement governing secured borrowings by participants in the euroclear system | 1 property | 02/10/1996 | — | |
| outstanding | Morgan Guaranty Trust Company of New Yorks | Collateral agreement | 1 property | 18/05/1984 | — |
Click column headers to sort. Use filters above to narrow by status and lender.
Recent filings (493 total)
accounts-with-accounts-type-full
accounts · AA
2026-04-18
appoint-person-director-company-with-name-date
officers · AP01
2026-04-17
appoint-person-director-company-with-name-date
officers · AP01
2026-04-17
appoint-person-director-company-with-name-date
officers · AP01
2026-04-17
termination-director-company-with-name-termination-date
officers · TM01
2026-03-31
confirmation-statement-with-updates
confirmation-statement · CS01
2026-02-26
capital-allotment-shares
capital · SH01
2025-12-11
mortgage-create-with-deed-with-charge-number-charge-creation-date
mortgage · MR01
2025-12-03
mortgage-create-with-deed-with-charge-number-charge-creation-date
mortgage · MR01
2025-12-03
mortgage-create-with-deed-with-charge-number-charge-creation-date
mortgage · MR01
2025-12-03
termination-director-company-with-name-termination-date
officers · TM01
2025-10-06
accounts-with-accounts-type-full
accounts · AA
2025-06-27
appoint-person-director-company-with-name-date
officers · AP01
2025-06-04
confirmation-statement-with-no-updates
confirmation-statement · CS01
2025-02-24
termination-secretary-company-with-name-termination-date
officers · TM02
2025-01-20