RCB BONDS PLC

🌳Matureactive

08940313 · plc · incorporated 2014-03-14

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

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What this business does

Primary activity: Financial intermediation not elsewhere classified

Sector: Financial & insurance

Investor take

Pursue

Active trading company with a 74-year-old founder — textbook succession opportunity.

Opportunity 70/100 (strong), bankability 57/100. Strong seller-intent signal (63/100, director aged 74). Share purchase looks the cleaner deal structure. Biggest value-creation lever: Consolidate lender relationships. 3 distinct lenders creates friction — refinance into single-lender structure for cleaner diligence. Most likely exit: strategic trade sale (48/100).

🏦

Refinance opportunity

15 live charges · 3 lenders · oldest 11.9y

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 11.9 years old — likely at or near maturity.
· 3 lenders named — inter-creditor friction likely.
· Legal-friction score 53/100 (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

Lenders & charges

15 charges (15/15 with lender, 15/15 with type)

Directors & officers

22 officers (6 active, 22 linked, 17 with DOB)

Ownership & PSC

1 active PSC(s) of 3 total, 3 with control declared

Director network

5 connected companies via shared directors

Filing history

98 filings on record

Gazette notices

No matching gazette notices (standard for active companies)

Opportunity Score

70/100Strong

PassWatchWorth a lookStrongExceptional

Solid opportunity signal. Worth a dedicated memo and management meeting.

Business quality

Adequate — check latest filings for context.

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

Last 90 days

filings

• 2 mortgage
• 1 officers
• 1 confirmation-statement

Last 180 days

filings

• 2 mortgage
• 1 officers
• 1 confirmation-statement

Counts from Companies House filing history.

Corporate timeline (79 events)Click to expand

2026-05-01
📄
termination-director-company-with-name-termination-date
officers · TM01
2026-04-30
➖
BATES, Clare Jane resigned
director
2026-04-20
📄
mortgage-satisfy-charge-full
mortgage · MR04
2026-04-20
🔓
Charge satisfied #3
2026-03-26
📄
mortgage-create-with-deed-with-charge-number-charge-creation-date
mortgage · MR01
2026-03-24
🔒
Charge registered #15
Lender: M&G Trustee Company Limited
2026-02-11
📄
accounts-with-accounts-type-full
accounts · AA
2025-12-09
📄
termination-director-company-with-name-termination-date
officers · TM01
2025-12-03
➖
MONTAGUE, Amelie Laudice resigned
director
2025-07-14
📄
termination-director-company-with-name-termination-date
officers · TM01
2025-07-14
📄
mortgage-satisfy-charge-full
mortgage · MR04
2025-07-14
🔓
Charge satisfied #2
2025-07-10
➖
HACKETT, Thomas Ernest resigned
director
2025-07-08
📄
mortgage-create-with-deed-with-charge-number-charge-creation-date
mortgage · MR01
2025-07-07
🔒
Charge registered #14
Lender: M&G Trustee Company Limited
2025-05-07
📄
appoint-corporate-secretary-company-with-name-date
officers · AP04
2025-05-07
📄
termination-secretary-company-with-name-termination-date
officers · TM02
2025-04-28
➕
ALLIA BOND SERVICES LIMITED appointed
corporate-secretary
2025-04-28
➖
THOMPSON, Jane Louise resigned
secretary
2025-02-14
📄
accounts-with-accounts-type-full
accounts · AA
2024-12-16
📄
change-person-director-company-with-change-date
officers · CH01
2024-12-16
📄
termination-director-company-with-name-termination-date
officers · TM01
2024-12-04
➖
GOYAL, Ram Krishan resigned
director
2024-11-22
📄
withdrawal-of-a-person-with-significant-control-statement
persons-with-significant-control · PSC09
2024-08-20
📄
cessation-of-a-person-with-significant-control
persons-with-significant-control · PSC07
2024-08-20
📄
cessation-of-a-person-with-significant-control
persons-with-significant-control · PSC07
2024-02-10
📄
accounts-with-accounts-type-full
accounts · AA
2024-01-08
📄
change-person-director-company-with-change-date
officers · CH01
2023-06-15
📄
notification-of-a-person-with-significant-control
persons-with-significant-control · PSC01
2023-06-15
📄
notification-of-a-person-with-significant-control
persons-with-significant-control · PSC01
2023-05-03
📄
appoint-person-director-company-with-name-date
officers · AP01
2023-04-25
📄
termination-director-company-with-name-termination-date
officers · TM01
2023-04-17
➖
D'SILVA, Gordon Patrick resigned
director
2023-04-17
➕
GOYAL, Ram Krishan appointed
director
2023-03-07
🔒
Charge registered #13
Lender: M&G Trustee Company Limited
2022-08-01
➕
MONTAGUE, Amelie Laudice appointed
director
2022-07-31
➖
STEPHENS, Alexandra Elizabeth resigned
director
2022-02-07
➕
ROPER, Naomi appointed
director
2022-02-07
➕
BATES, Clare Jane appointed
director
2022-01-17
➖
MARITZ, Briony resigned
secretary
2022-01-17
➕
THOMPSON, Jane Louise appointed
secretary
2022-01-11
🔓
Charge satisfied #1
2021-12-08
🔒
Charge registered #12
Lender: Prudential Trustee Company Limited
2021-07-22
🔒
Charge registered #11
Lender: Prudential Trustee Company Limited
2021-07-13
➖
ZANUSO, Evita Chiang resigned
director
2021-07-12
➕
STEPHENS, Alexandra Elizabeth appointed
director
2020-12-17
🔒
Charge registered #10
Lender: Prudential Trustee Company Limited
2020-03-27
🔒
Charge registered #9
Lender: Prudential Trustee Company Limited
2020-02-03
➕
MARITZ, Briony appointed
secretary
2020-01-31
➖
CAROE, Philip John resigned
secretary

Showing most recent 50 of 79 events

Owner dependency

55/100

Moderate — manageable with handover

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

FACTORS

-5 active directors: Broader management team in place — suggests transferable governance.
+Founder age: Director aged approximately 74 — 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 74 years old. Natural succession window is now.
secondary12+ year tenure: Director in role 12 years.
supportingClean filings + long tenure: Disciplined long-tenure operator — classic lifestyle-business pattern that often sells quietly.

Red flags

2 med · 1 low

3 director resignations in last 12 months

medium

Multiple recent departures can indicate governance disagreement, succession event, or preparation for sale/stress.

Evidence: BATES, Clare Jane resigned 2026-04-30; HACKETT, Thomas Ernest resigned 2025-07-10; MONTAGUE, Amelie Laudice resigned 2025-12-03

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.

12 live charges

low

Heavily leveraged with multiple live security positions — understand the capital structure before proceeding.

Group structure

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

🏛️

Rc Bond Holdings Limited

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

ultimate parent

⬇

RCB BONDS PLC

This company · 08940313

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
Rc Bond Holdings Limited Corporate entity	75–100%	75–100%	board control75-100% shares · 75-100% voting · board control	06/04/2016

2 historic (ceased) PSCs

Mr Thomas Ernest Hackettceased 20/08/2024· 25-50% voting
Mr John Hartley Tattersallceased 20/08/2024· 25-50% voting

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

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.

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Company details

Statusactive

Typeplc

Incorporated2014-03-14

Jurisdictionengland-wales

Primary SIC64999 — Financial intermediation not elsewhere classified

Registered office

Future Business Centre

King's Hedges Road

Cambridge

CB4 2HY

United Kingdom

Filing status

Accounts

Next due: 2027-02-28

Last made up to: 2025-08-31

Confirmation statement

Next due: 2027-03-28

Last: 2026-03-14