VANQUIS BANK LIMITED

🌳Matureactive

02558509 · ltd · incorporated 1990-11-15

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 13.4y 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

Operating as a licensed retail bank based in Bradford, this business most likely provides everyday banking and financial services to consumers — including credit products, savings accounts, and lending — particularly targeting underserved or non-standard credit customers.

Primary activity: Banks

Sector: Financial & insurance

Investor take

Pursue

Active trading company with a 68-year-old founder — textbook succession opportunity.

Opportunity 79/100 (strong), bankability 85/100. Strong seller-intent signal (63/100, director aged 68). Share purchase looks the cleaner deal structure. Most likely exit: strategic trade sale (73/100).

🏦

Refinance opportunity

1 live charge · oldest 13.4y

65/100

clean up first

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

· Oldest live charge is 13.4 years old — likely at or near maturity.
· Single lender — cleanest path to refinance.
· Legal-friction score 28/100 — workable, but lender will want more DD.

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

Lenders & charges

1 charges (1/1 with lender, 1/1 with type)

Directors & officers

68 officers (9 active, 68 linked, 52 with DOB)

Ownership & PSC

1 active PSC(s) of 2 total, 2 with control declared

Director network

5 connected companies via shared directors

Filing history

283 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

filings

Last 90 days

filing

• 1 accounts

Last 180 days

filings

• 5 officers
• 1 accounts

Counts from Companies House filing history.

Corporate timeline (147 events)Click to expand

2026-03-10
📄
accounts-with-accounts-type-full
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
2025-09-22
📍
change-registered-office-address-company-with-date-old-address-new-address
address · AD01
2025-05-22
📄
accounts-with-accounts-type-full
accounts · AA
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
2024-11-08
📄
appoint-person-secretary-company-with-name-date
officers · AP03
2024-11-08
📄
termination-secretary-company-with-name-termination-date
officers · TM02
2024-11-06
➕
MUSTARD, Michael appointed
secretary
2024-11-06
➖
MCCLURE, Elizabeth resigned
secretary
2024-10-11
➖
BARNETT, Melanie resigned
secretary
2024-10-11
➕
MCCLURE, Elizabeth 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
2024-05-16
📄
termination-director-company-with-name-termination-date
officers · TM01
2024-05-15
➖
JAMES, Margot Cathleen resigned
director
2024-04-18
📄
accounts-with-accounts-type-full
accounts · AA
2024-04-03
📄
appoint-person-director-company-with-name-date
officers · AP01
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
2024-03-27
📄
appoint-person-director-company-with-name-date
officers · AP01
2024-03-27
📄
appoint-person-director-company-with-name-date
officers · AP01
2024-02-01
➖
BLANCE, Andrea Margaret resigned
director
2024-02-01
📄
termination-director-company-with-name-termination-date
officers · TM01
2024-01-19
📄
appoint-person-director-company-with-name-date
officers · AP01
2024-01-17
➕
WATTS, David Michael, Mr. appointed
director
2023-09-19
📄
termination-director-company-with-name-termination-date
officers · TM01
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
➕
LINDSAY, Graham John appointed
director
2022-01-13
➖
BAUM, Jonathan Graydon resigned
director
2022-01-13
➕
BLANCE, Andrea Margaret appointed
director
2022-01-13
➖
CHANDLER, Neil Charles resigned
director
2022-01-13
➖
CONNOR, Janet resigned
director
2022-01-13
➖
EAST, Robert resigned
director
2022-01-13
➕
HEWITT, Paul William appointed
director
2022-01-13
➕
JAMES, Margot Cathleen appointed
director

Showing most recent 50 of 147 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.)

Group structure

Provident Financial Holdings Limited is the ultimate parent — holding 75%+ shares. This company sits inside their group.

🏛️

Provident Financial Holdings Limited

Corporate parent · holds 75-100% shares · board control

ultimate parent

⬇

VANQUIS BANK LIMITED

This company · 02558509

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
Provident Financial Holdings Limited Corporate entity	75–100%	75–100%	board control75-100% shares · 75-100% voting · board control	25/02/2021

1 historic (ceased) PSC

Provident Financial Plcceased 25/02/2021· 75-100% shares · 75-100% voting · board control

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

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.

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Company details

Statusactive

Typeltd

Incorporated1990-11-15

Jurisdictionengland-wales

Primary SIC64191 — Banks

Registered office

Fairburn House

5 Godwin Street

Bradford

BD1 2AH

England

Filing status

Accounts

Next due: 2027-09-30

Last made up to: 2025-12-31

Confirmation statement

Next due: 2026-10-14

Last: 2025-09-30