PROVIDENT INVESTMENTS LIMITED
⚰️Wound downdissolved
04541509 · ltd · incorporated 2002-09-20
Investment thesis
Company dissolved — not a live target.
Why interesting: Historical record only; useful for precedent research.
Why risky: Not transactable.
🔒Estimated value
—
Upgrade to see
Turnover
—
not disclosed
Net worth
—
book net assets
Opportunity
49/100
Watch
What this business does
Primary activity: Financial intermediation not elsewhere classified
Sector: Financial & insurance
Investor take
Pass (distressed without resilience)Distressed unclear — structural issues outweigh the discount.
Opportunity 49/100 (watch), bankability 50/100. High owner-dependency — earn-out structure likely required for clean transition. Biggest value-creation lever: Resolve: Company dissolved. Company has been dissolved — it no longer legally exists. Any diligence here is historical only. Most likely exit: share sale to pe / searcher (38/100). Current lenders should be on monthly review.
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
Confirmed no charges registered
85
Directors & officers
22 officers (1 active, 22 linked, 14 with DOB)
83
Ownership & PSC
1 active PSC(s) of 1 total, 1 with control declared
90
Director network
10 connected companies via shared directors
75
Filing history
157 filings on record
85
Gazette notices
No matching gazette notices (standard for active companies)
60
Opportunity Score
49/100Watch
PassWatchWorth a lookStrongExceptional
Not actionable now, but monitor — distressed, succession, or structural changes could flip this into a real opportunity.
Business quality
10
Concerning — overdue filings or status flags present.
Acquirability
70
Strong succession / seller-readiness signals.
Risk profile
49
Multiple red flags — proceed with caution.
Signal strength
90
Good data coverage for analysis.
Recent activity
Last 30 days
0
filings
Last 90 days
0
filings
Last 180 days
0
filings
Counts from Companies House filing history.
Corporate timeline (68 events)Click to expand
- 2025-04-09⚠️gazette-dissolved-liquidationgazette · GAZ2
- 2025-04-09🏁Company dissolved
- 2025-01-09⚠️liquidation-voluntary-members-return-of-final-meetinginsolvency · LIQ13
- 2025-01-02📄termination-secretary-company-with-name-termination-dateofficers · TM02
- 2024-10-15➖WHINCUP, David George resignedsecretary
- 2024-10-07📄termination-director-company-with-name-termination-dateofficers · TM01
- 2024-10-04➖BARNETT, Melanie Jayne resigneddirector
- 2024-08-19⚠️liquidation-voluntary-declaration-of-solvencyinsolvency · LIQ01
- 2024-08-19⚠️liquidation-voluntary-appointment-of-liquidatorinsolvency · 600
- 2024-08-19📄resolutionresolution · RESOLUTIONS
- 2024-07-30📄capital-statement-capital-company-with-date-currency-figurecapital · SH19
- 2024-07-30📄resolutionresolution · RESOLUTIONS
- 2024-07-30⚠️legacyinsolvency · CAP-SS
- 2024-07-30📄legacycapital · SH20
- 2024-07-25➕WATTS, David Michael, Mr. appointeddirector
- 2024-07-25📄appoint-person-director-company-with-name-dateofficers · AP01
- 2023-08-07➖KAPUR, Neeraj resigneddirector
- 2023-08-07📄termination-director-company-with-name-termination-dateofficers · TM01
- 2023-07-31📄accounts-with-accounts-type-audit-exemption-subsiduaryaccounts · AA
- 2023-07-31📄legacyaccounts · PARENT_ACC
- 2023-07-31📄legacyother · AGREEMENT2
- 2023-07-31📄legacyother · GUARANTEE2
- 2023-03-22📄change-person-director-company-with-change-dateofficers · CH01
- 2023-03-22📄change-person-director-company-with-change-dateofficers · CH01
- 2023-03-02📄change-to-a-person-with-significant-controlpersons-with-significant-control · PSC05
- 2022-09-14📄accounts-with-accounts-type-audit-exemption-subsiduaryaccounts · AA
- 2022-09-14📄legacyaccounts · PARENT_ACC
- 2022-09-14📄legacyother · AGREEMENT2
- 2022-08-19➕BARNETT, Melanie Jayne appointeddirector
- 2022-08-19➖DAVIES, Charlotte resigneddirector
- 2020-04-01➕KAPUR, Neeraj appointeddirector
- 2020-03-31➖THOMAS, Simon George resigneddirector
- 2019-04-26➕DAVIES, Charlotte appointeddirector
- 2019-04-26➖MULLEN, Kenneth John resigneddirector
- 2019-04-01➖MULLEN, Kenneth John resignedsecretary
- 2019-04-01➕WHINCUP, David George appointedsecretary
- 2018-12-03➖FISHER, Andrew Charles resigneddirector
- 2018-12-03➕THOMAS, Simon George appointeddirector
- 2018-03-31➕MULLEN, Kenneth John appointedsecretary
- 2018-03-31➖WATTS, Paula resignedsecretary
- 2018-03-31➖WATTS, Paula resigneddirector
- 2017-05-12➖VERSLUYS, Emma Gayle resignedsecretary
- 2017-05-12➕WATTS, Paula appointedsecretary
- 2017-05-12➖VERSLUYS, Emma Gayle resigneddirector
- 2017-05-12➕WATTS, Paula appointeddirector
- 2008-03-25➕FISHER, Andrew Charles appointeddirector
- 2007-07-16➖HARNETT, John Arthur resigneddirector
- 2007-07-16➖MARSHALL SMITH, Rosamond Joy resigneddirector
- 2007-07-16➕MULLEN, Kenneth John appointeddirector
- 2006-05-17➖SWANN, David Richard resigneddirector
Showing most recent 50 of 68 events
Owner dependency
83/100
Critical — business is the founderThe business appears inseparable from the founder. Acquisition without a serious earn-out or meaningful transition period would likely destroy value.
FACTORS
- +Sole director: Only one active director — all governance concentrated on one person.
- +Senior director age: Director aged approximately 60 — approaching natural succession window.
Succession & seller-readiness
55/100
Strong succession signalMultiple signals suggest succession is on the horizon. Candidate for proactive outreach.
SIGNALS
- secondaryFounder aged 58+: Senior director is approximately 60. Early succession window.
- primarySole active director: Only one director in control. No visible successor — buyers solve the succession problem.
Red flags
2 high ·Company dissolved
highCompany has been dissolved — it no longer legally exists. Any diligence here is historical only.
Evidence: Dissolved on 2025-04-09
5 insolvency-related filings on record
highFilings relating to insolvency, liquidation, or administration exist in the company's history. Review before proceeding.
Evidence: 2025-04-09: gazette-dissolved-liquidation; 2025-01-09: liquidation-voluntary-members-return-of-final-meeting
Group structure
Vanquis Banking Group Plc is the ultimate parent — holding 75%+ shares. This company sits inside their group.
🏛️ultimate parent
Vanquis Banking Group Plc
Corporate parent · holds 75-100% shares · board control
⬇
PROVIDENT INVESTMENTS LIMITED
This company · 04541509
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 |
|---|---|---|---|---|
Vanquis Banking Group Plc 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
Active · Financial services · BD postcode area| Company | Est. value | Turnover | Net worth | Staff | Age | Opp | Director |
|---|---|---|---|---|---|---|---|
| CORTEX WEALTH MANAGEMENT LTD→ 06977998 · est 2009 · no financials extracted | — | — | — | — | 16y | — | — |
| CREDIT AND SURETY BROKERS LIMITED→ 16972077 · est 2026 · no financials extracted | — | — | — | — | — | — | — |
| DALLAS SCOTT DAVEY LTD→ 13619222 · est 2021 · no financials extracted | — | — | — | — | 4y | — | — |
| DALLAS WILDING DREW LTD→ 13128315 · est 2021 · no financials extracted | — | — | — | — | 5y | — | — |
| DISCOVERY COMMERCIAL FINANCE LIMITED→ 14520594 · est 2022 · no financials extracted | — | — | — | — | 3y | — | — |
| DRAGON CORPORATE LIMITED→ 08285580 · est 2012 · no financials extracted | — | — | — | — | 13y | — | — |
| DUODETRIGINTA LIMITED→ 15923891 · est 2024 · no financials extracted | — | — | — | — | 1y | — | — |
| ELITE 100 CARS LIMITED→ 09666035 · est 2015 · no financials extracted | — | — | — | — | 10y | — | — |
| ELIZABETH ELLIS LIMITED→ 15883560 · est 2024 · no financials extracted | — | — | — | — | 1y | — | — |
| EPAYFX LIMITED→ 12742473 · est 2020 · no financials extracted | — | — | — | — | 5y | — | — |
| ETERNAL FINANCE LTD→ 14050310 · est 2022 · no financials extracted | — | — | — | — | 4y | — | — |
| EXCLUSIVE COMMERCIAL SERVICES LIMITED→ 14157415 · est 2022 · no financials extracted | — | — | — | — | 3y | — | — |
Peers ranked by estimated value, then turnover, then opportunity score.See all →
🔒Tailored diligence questions
10 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
Statusdissolved
Typeltd
Incorporated2002-09-20
Jurisdictionengland-wales
Primary SIC64999 — Financial intermediation not elsewhere classified
Registered office
No. 1 Godwin Street
Bradford
West Yorkshire
BD1 2SU
Filing status
Accounts
Next due: —
Last made up to: 2022-12-31
Confirmation statement
Next due: —
Last: 2023-09-30
Officers (0 active · 21 resigned)
WATTS, David Michael, Mr.→
Activedirector · ~60y · appointed 2024-07-25
View their other companies + combined net worth →
MARSHALL SMITH, Rosamond Joy→
Resignedsecretary · appointed 2003-03-26 · resigned 2006-01-09
MULLEN, Kenneth John→
Resignedsecretary · appointed 2018-03-31 · resigned 2019-04-01
VERSLUYS, Emma Gayle→
Resignedsecretary · appointed 2006-01-09 · resigned 2017-05-12
WATTS, Paula→
Resignedsecretary · appointed 2017-05-12 · resigned 2018-03-31
WHINCUP, David George→
Resignedsecretary · appointed 2019-04-01 · resigned 2024-10-15
WILD, Julian Nicholas→
Resignedsecretary · appointed 2002-09-20 · resigned 2003-04-03
THE COMPANY REGISTRATION AGENTS LIMITED→
Resignedcorporate-nominee-secretary · appointed 2002-09-20 · resigned 2002-09-20
BARNETT, Melanie Jayne→
Resigneddirector · ~50y · appointed 2022-08-19 · resigned 2024-10-04
DAVIES, Charlotte→
Resigneddirector · ~53y · appointed 2019-04-26 · resigned 2022-08-19
FARBRIDGE, Caroline Louise→
Resigneddirector · ~60y · appointed 2003-03-26 · resigned 2004-12-31
FISHER, Andrew Charles→
Resigneddirector · ~68y · appointed 2008-03-25 · resigned 2018-12-03
HARNETT, John Arthur→
Resigneddirector · ~71y · appointed 2003-03-27 · resigned 2007-07-16
KAPUR, Neeraj→
Resigneddirector · ~61y · appointed 2020-04-01 · resigned 2023-08-07
MARSHALL SMITH, Rosamond Joy→
Resigneddirector · ~67y · appointed 2003-03-26 · resigned 2007-07-16
MULLEN, Kenneth John→
Resigneddirector · ~68y · appointed 2007-07-16 · resigned 2019-04-26
REID, George Mcdonald→
Resigneddirector · ~75y · appointed 2002-09-20 · resigned 2003-03-26
SWANN, David Richard→
Resigneddirector · ~79y · appointed 2003-04-15 · resigned 2006-05-17
THOMAS, Simon George→
Resigneddirector · ~62y · appointed 2018-12-03 · resigned 2020-03-31
VERSLUYS, Emma Gayle→
Resigneddirector · ~50y · appointed 2005-01-17 · resigned 2017-05-12
Click a director name to see their full track record across all companies.
Recent filings (157 total)
gazette-dissolved-liquidation
gazette · GAZ2
2025-04-09
liquidation-voluntary-members-return-of-final-meeting
insolvency · LIQ13
2025-01-09
termination-secretary-company-with-name-termination-date
officers · TM02
2025-01-02
termination-director-company-with-name-termination-date
officers · TM01
2024-10-07
liquidation-voluntary-declaration-of-solvency
insolvency · LIQ01
2024-08-19
liquidation-voluntary-appointment-of-liquidator
insolvency · 600
2024-08-19
resolution
resolution · RESOLUTIONS
2024-08-19
capital-statement-capital-company-with-date-currency-figure
capital · SH19
2024-07-30
resolution
resolution · RESOLUTIONS
2024-07-30
legacy
insolvency · CAP-SS
2024-07-30
legacy
capital · SH20
2024-07-30
appoint-person-director-company-with-name-date
officers · AP01
2024-07-25
confirmation-statement-with-no-updates
confirmation-statement · CS01
2023-10-09
termination-director-company-with-name-termination-date
officers · TM01
2023-08-07
accounts-with-accounts-type-audit-exemption-subsiduary
accounts · AA
2023-07-31