PARAGON BANKING GROUP PLC

🌳Matureactive

02336032 · plc · incorporated 1989-01-17

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.

🔒Estimated value

—

Upgrade to see

Turnover

—

not disclosed

Net worth

—

book net assets

Opportunity

74/100

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 70-year-old founder — textbook succession opportunity.

Opportunity 74/100 (strong), bankability 77/100. Strong seller-intent signal (73/100, director aged 70). Share purchase looks the cleaner deal structure. Biggest value-creation lever: Consolidate lender relationships. 5 distinct lenders creates friction — refinance into single-lender structure for cleaner diligence. Most likely exit: share sale to pe / searcher (65/100).

🏦

Refinance opportunity

5 live charges · 5 lenders · oldest 34.8y

35/100

too messy

Refinance path is blocked by complexity. Rethink structure or expect bespoke, expensive terms.

· Oldest live charge is 34.8 years old — likely at or near maturity.
· 5 lenders named — inter-creditor friction likely.
· Legal-friction score 30/100 — workable, but lender will want more DD.

Data confidence

Overall: low (53/100)

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

5 charges (5/5 with lender, 5/5 with type)

Directors & officers

46 officers (10 active, 46 linked, 39 with DOB)

Ownership & PSC

No PSCs filed (unusual — worth investigating)

Director network

18 connected companies via shared directors

Filing history

1151 filings on record

Gazette notices

No matching gazette notices (standard for active companies)

Opportunity Score

74/100Strong

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

Some moderate concerns — review flags.

Signal strength

100

Good data coverage for analysis.

Recent activity

Last 30 days

filings

• 3 capital
• 1 auditors

Last 90 days

filings

• 13 capital
• 2 officers
• 1 auditors

Last 180 days

filings

• 17 capital
• 2 officers
• 2 change-of-name

Counts from Companies House filing history.

Corporate timeline (106 events)Click to expand

2026-04-23
📄
auditors-resignation-company
auditors · AUD
2026-04-13
📄
capital-return-purchase-own-shares-treasury-capital-date
capital · SH03
2026-04-13
📄
capital-return-purchase-own-shares-treasury-capital-date
capital · SH03
2026-03-31
📄
capital-sale-or-transfer-treasury-shares-with-date-currency-capital-figure
capital · SH04
2026-03-17
📄
capital-return-purchase-own-shares-treasury-capital-date
capital · SH03
2026-03-16
📄
resolution
resolution · RESOLUTIONS
2026-03-14
📄
accounts-with-accounts-type-group
accounts · AA
2026-03-13
📄
capital-return-purchase-own-shares-treasury-capital-date
capital · SH03
2026-03-11
📄
capital-sale-or-transfer-treasury-shares-with-date-currency-capital-figure
capital · SH04
2026-03-06
📄
termination-director-company-with-name-termination-date
officers · TM01
2026-03-04
➖
TUDOR, Hugo Richard resigned
director
2026-02-28
📄
capital-return-purchase-own-shares-treasury-capital-date
capital · SH03
2026-02-28
📄
capital-return-purchase-own-shares-treasury-capital-date
capital · SH03
2026-02-28
📄
capital-return-purchase-own-shares-treasury-capital-date
capital · SH03
2026-02-26
📄
capital-sale-or-transfer-treasury-shares-with-date-currency-capital-figure
capital · SH04
2026-02-19
📄
change-person-director-company-with-change-date
officers · CH01
2026-02-18
📄
capital-return-purchase-own-shares-treasury-capital-date
capital · SH03
2026-02-10
📄
capital-sale-or-transfer-treasury-shares-with-date-currency-capital-figure
capital · SH04
2026-02-06
📄
capital-return-purchase-own-shares-treasury-capital-date
capital · SH03
2026-01-21
📄
capital-sale-or-transfer-treasury-shares-with-date-currency-capital-figure
capital · SH04
2026-01-21
📄
capital-sale-or-transfer-treasury-shares-with-date-currency-capital-figure
capital · SH04
2026-01-21
✏️
legacy
change-of-name · SH03
2026-01-21
✏️
legacy
change-of-name · SH03
2026-01-02
📄
capital-sale-or-transfer-treasury-shares-with-date-currency-capital-figure
capital · SH04
2025-12-12
📄
capital-sale-or-transfer-treasury-shares-with-date-currency-capital-figure
capital · SH04
2025-04-02
➕
VAN NIEKERK, Marius appointed
secretary
2025-04-02
➖
MURPHY, Ciara resigned
secretary
2023-06-01
➕
HOWORTH, Zoe Louise appointed
director
2022-10-01
➕
MURPHY, Ciara appointed
secretary
2022-10-01
➖
VAN NIEKERK, Marius resigned
secretary
2022-09-01
➕
DAVDA, Tanvi Prafulchandra appointed
director
2022-09-01
➕
EAST, Robert David appointed
director
2022-09-01
➖
CLUTTERBUCK, Fiona Jane resigned
director
2020-12-31
➖
WILLIAMSON, Finlay Ferguson resigned
director
2020-10-27
➕
HILL, Peter Anthony appointed
director
2020-09-30
➖
HARTILL, Peter James Norman resigned
director
2020-06-24
➖
SHARP, Pandora resigned
secretary
2020-06-24
➕
VAN NIEKERK, Marius appointed
secretary
2020-03-26
➕
MORRIS, Alison Clare Munro appointed
director
2020-01-06
➖
HERON, John Andrew resigned
director
2018-12-31
➖
FLETCHER, Alan Keith resigned
director
2018-12-31
➖
NEWBERRY, Patrick John resigned
director
2018-05-10
➖
DENCH, Robert Graham resigned
director
2017-09-20
➕
RIDPATH, Barbara Ann appointed
director
2017-09-20
➕
YORSTON, Graeme Howes appointed
director
2017-09-20
➕
NEWBERRY, Patrick John appointed
director
2017-09-20
➕
WILLIAMSON, Finlay Ferguson appointed
director
2015-07-01
➖
TILLY, Edward Arthur resigned
director
2014-11-24
➕
TUDOR, Hugo Richard appointed
director
2014-06-30
➖
GEMMELL, John Grigor resigned
secretary

Showing most recent 50 of 106 events

Owner dependency

55/100

Moderate — manageable with handover

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

FACTORS

-9 active directors: Broader management team in place — suggests transferable governance.
+Founder age: Director aged approximately 70 — 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 70 years old. Natural succession window is now.
secondary12+ year tenure: Director in role 14 years.
supportingClean filings + long tenure: Disciplined long-tenure operator — classic lifestyle-business pattern that often sells quietly.

Red flags

2 med ·

Charge satisfaction-then-recreation pattern

medium

Multiple instances where a charge was satisfied and a new charge created within 6 months. Suggests active refinancing cycle.

Name changed 2 times

medium

Name changes can be benign (rebrand) but can also precede distress, phoenix activity, or buyer concealment.

Evidence: 2026-01-21: legacy; 2026-01-21: legacy

🔒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 →

🔒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

Incorporated1989-01-17

Jurisdictionengland-wales

Primary SIC64205 — Activities of financial services holding companies

Registered office

51 Homer Road

Solihull

West Midlands

B91 3QJ

United Kingdom

Filing status

Accounts

Next due: 2027-03-31

Last made up to: 2025-09-30

Confirmation statement

Next due: 2027-03-06

Last: 2026-02-20