ARBUTHNOT BANKING GROUP PLC

🌳Matureactive

01954085 · plc · incorporated 1985-11-04

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 31.1y 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: Financial intermediation not elsewhere classified

Sector: Financial & insurance

Investor take

Pursue

Active trading company. Family succession underway — not a classic acquisition target.

Opportunity 83/100 (exceptional), bankability 85/100. Same-surname younger director in place — likely family handover, not open to sale. Share purchase looks the cleaner deal structure. Most likely exit: strategic trade sale (73/100).

🏦

Refinance opportunity

2 live charges · oldest 31.1y

85/100

ready

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

· Oldest live charge is 31.1 years old — likely at or near maturity.
· Single lender — cleanest path to refinance.
· Legal-friction score 20/100 — clean.

Data confidence

Overall: medium (62/100)

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

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

Directors & officers

40 officers (12 active, 40 linked, 38 with DOB)

Ownership & PSC

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

Director network

20 connected companies via shared directors

Filing history

356 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

filings

• 1 confirmation-statement
• 1 resolution
• 1 officers

Last 90 days

filings

• 1 confirmation-statement
• 1 resolution
• 1 officers

Last 180 days

filings

• 1 confirmation-statement
• 1 resolution
• 1 officers

Counts from Companies House filing history.

Corporate timeline (89 events)Click to expand

2026-06-06
📄
resolution
resolution · RESOLUTIONS
2026-06-01
➕
FLETCHER, Stephen John appointed
director
2026-06-01
📄
appoint-person-director-company-with-name-date
officers · AP01
2026-05-31
📄
accounts-with-accounts-type-group
accounts · AA
2025-07-16
➕
CROSSWELL, Charlotte Louise Benham appointed
director
2025-07-16
📄
appoint-person-director-company-with-name-date
officers · AP01
2025-06-06
📄
accounts-with-accounts-type-group
accounts · AA
2025-05-29
📄
resolution
resolution · RESOLUTIONS
2025-05-21
➖
DEWAR, Ian Andrew resigned
director
2025-05-21
➖
YARROW, Alan Colin Drake, Sir resigned
director
2025-05-21
📄
termination-director-company-with-name-termination-date
officers · TM01
2025-05-21
📄
termination-director-company-with-name-termination-date
officers · TM01
2025-01-31
📄
change-person-director-company-with-change-date
officers · CH01
2024-10-10
📄
change-to-a-person-with-significant-control
persons-with-significant-control · PSC05
2024-08-21
📄
change-person-director-company-with-change-date
officers · CH01
2024-08-20
📄
change-person-director-company-with-change-date
officers · CH01
2024-08-20
📄
change-person-director-company-with-change-date
officers · CH01
2024-08-20
📄
change-person-director-company-with-change-date
officers · CH01
2024-08-20
📄
change-person-director-company-with-change-date
officers · CH01
2024-08-12
📍
change-registered-office-address-company-with-date-old-address-new-address
address · AD01
2024-07-10
📄
appoint-person-director-company-with-name-date
officers · AP01
2024-07-02
➕
GABBERTAS, Richard Kenneth appointed
director
2024-06-10
📄
second-filing-of-confirmation-statement-with-made-up-date
confirmation-statement · RP04CS01
2024-06-06
📄
change-person-director-company-with-change-date
officers · CH01
2024-05-31
📄
accounts-with-accounts-type-group
accounts · AA
2024-05-30
📄
resolution
resolution · RESOLUTIONS
2023-10-16
📄
change-person-director-company-with-change-date
officers · CH01
2023-09-01
➕
ALMOND, Jayne Doreen appointed
director
2023-09-01
➕
KNIGHT, Angela Ann appointed
director
2023-09-01
➕
SASSOON, James Meyer, Lord appointed
director
2022-09-01
➕
ANGEST, Frederick Alexander Henry appointed
director
2022-05-25
➖
MEYER, Christopher John Rome, Sir resigned
director
2019-06-01
➕
BOARDMAN, Nigel Patrick Gray appointed
director
2018-08-31
➖
HENDERSON, Ian Arthur resigned
director
2018-08-08
➖
LYNAM, Paul Anthony resigned
director
2018-07-17
➕
JENNINGS, Nicholas David De Burgh appointed
secretary
2018-07-17
➖
KAYE, Jeremy Robin resigned
secretary
2016-06-10
➕
YARROW, Alan Colin Drake, Sir appointed
director
2016-05-06
➕
HENDERSON, Ian Arthur appointed
director
2016-05-05
➖
LEA, Ruth Jane resigned
director
2016-04-14
➖
FLEMING, James William resigned
director
2015-12-31
➖
WICKHAM, Robert Joseph Johnstone resigned
director
2015-08-01
➕
DEWAR, Ian Andrew appointed
director
2012-03-01
➕
FLEMING, James William appointed
director
2012-03-01
➖
PROCTOR, Dean Michael resigned
director
2011-12-31
➖
TURRELL, Atholl Denis, Dr resigned
director
2011-12-29
➖
KIRTON, Neil William resigned
director
2010-09-13
➕
LYNAM, Paul Anthony appointed
director
2010-05-10
➖
JENNISON, Gary Antony resigned
director
2010-03-11
➖
PEAT, Michael, Sir resigned
director

Showing most recent 50 of 89 events

Owner dependency

73/100

High — earn-out structure required

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

FACTORS

-11 active directors: Broader management team in place — suggests transferable governance.
+Long-tenure founder: Senior director has been in place 22 years — deep operational knowledge concentrated in one person.
+Founder age: Director aged approximately 86 — succession pressure is live.
+Family involvement: Multiple officers share a surname — likely family business, which concentrates governance.

Succession & seller-readiness

40/100

Moderate signal

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

SIGNALS

primaryFamily succession underway: Not a takeover target — ANGEST, Frederick Alexander Henry (same surname) appointed 2022-09-01. Pattern consistent with intra-family handover.
primaryFounder aged 70+: Senior director is approximately 86 years old. Natural succession window is now.
primary20+ year tenure: Director in role 22 years. Very long tenure is a classic succession signal.
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

Flowidea Limited holds 25-50% — a significant corporate investor but not a controlling parent.

🏛️

Flowidea Limited

Corporate parent · holds 25-50% shares

significant stake

⬇

ARBUTHNOT BANKING GROUP PLC

This company · 01954085

Parent relationships inferred from Persons with Significant Control filings. Full subsidiary tree requires reverse-lookup (coming).

Shareholders & ownership

1 active beneficial owner

Name	Shares	Voting rights	Nature of control	Notified
Flowidea Limited Corporate entity	25–50%	25–50%	25-50% shares · 25-50% voting	24/07/2017

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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APEX LOAN AGENCY LIMITED→ 08989781 · est 2014 · no financials extracted	—	—	—	—	12y	—	—
APEX MORTGAGE FINANCE LTD→ 14429418 · est 2022 · no financials extracted	—	—	—	—	3y	—	—
APR RISKS LTD→ 17043744 · est 2026 · no financials extracted	—	—	—	—	—	—	—
AQUILA EUROPEAN RENEWABLES PLC→ 11932433 · est 2019 · no financials extracted	—	—	—	—	7y	—	—
AQUILES SPECIALTY LIMITED→ 16843828 · est 2025 · no financials extracted	—	—	—	—	—	—	—
ARBUTHNOT LATHAM & CO., LIMITED→ 00819519 · est 1964 · no financials extracted	—	—	—	—	61y	—	—
ARBUTHNOT UNIT TRUST MANAGEMENT LIMITED→ 01536666 · est 1980 · no financials extracted	—	—	—	—	45y	—	—
ARCA MORA LIMITED→ 13883896 · est 2022 · no financials extracted	—	—	—	—	4y	—	—
ARCADIA GROUP PENSION TRUST LIMITED→ 00346324 · est 1938 · no financials extracted	—	—	—	—	87y	—	—
ARCADIAN RISK CAPITAL (UK) LTD→ 12765929 · est 2020 · no financials extracted	—	—	—	—	5y	—	—

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.

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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

Incorporated1985-11-04

Jurisdictionengland-wales

Primary SIC64999 — Financial intermediation not elsewhere classified

Registered office

Arbuthnot House

20 Finsbury Circus

London

EC2M 7EA

United Kingdom

Filing status

Accounts

Next due: 2027-06-30

Last made up to: 2025-12-31

Confirmation statement

Next due: 2027-06-21

Last: 2026-06-07