RBK WEALTH MANAGEMENT LTD

💤Zombieactive
SC194146 · ltd · incorporated 1999-03-09
Investment thesis
Zombie company — trading but stalled; unlikely mover.
Why interesting: Quiet, steady; could be a succession or carve-out candidate with the right conversation.
Why risky: No growth signal; thin margin for error on price.
🔒Estimated value
—
Upgrade to see
Turnover
—
year to Mar 2025
Net worth
£-13.7k
book net assets
Opportunity
74/100
Strong
🔔
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What this business does
Primary activity: Activities of insurance agents and brokers
Sector: Financial & insurance
Investor take
Pass (distressed without resilience)
Distressed active trading company — structural issues outweigh the discount.

Opportunity 74/100 (strong), bankability 85/100. Strong seller-intent signal (68/100, director aged 54). Share purchase looks the cleaner deal structure. Biggest value-creation lever: Broaden director team. Sole director creates succession risk and reduces buyer comfort. Appoint a second director or strong #2. Most likely exit: strategic trade sale (65/100).

🏦

Refinance opportunity

2 live charges · oldest 25.3y

45/100
under pressure

Refinance would be pressure-driven, not opportunity-driven. Expect tighter margins and covenant scrutiny.

  • · Oldest live charge is 25.3 years old — likely at or near maturity.
  • · Single lender — cleanest path to refinance.
  • · Distress signals active — lender appetite narrows.

Data confidence

Overall: medium (77/100)

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
2 years of iXBRL accounts extracted (YoY deltas available) + narrative notes parsed
75
Lenders & charges
2 charges (2/2 with lender, 2/2 with type)
90
Directors & officers
9 officers (1 active, 9 linked, 6 with DOB)
83
Ownership & PSC
1 active PSC(s) of 2 total, 2 with control declared
90
Director network
Network not yet resolved
30
Filing history
97 filings on record
85
Gazette notices
No matching gazette notices (standard for active companies)
60
Opportunity Score
74/100Strong
PassWatchWorth a lookStrongExceptional 

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

Business quality
70
Active, clean filings, stable charge profile.
Acquirability
60
Some acquirability indicators.
Risk profile
77
Few red flags.
Signal strength
100
Good data coverage for analysis.

Signals from accounts

Derived from iXBRL accounts · accounting standard not declared
Negative net assets
Liabilities exceed assets by £13,728
Net assets shrinking
Down £15,577 YoY
Cash YoY
-6%
Year on year

Key financials

2 years extracted from filed iXBRL accounts
Cash
£20k
↓ 5.6% YoY
Net Worth
-£14k
↓ 842% YoY
Current Assets
£123k
↑ 7.0% YoY
Current Liabilities
—
-£14k£14k£41k£68k£96k£123kMar 2024Mar 2025

Hover to see exact values · click legend to toggle series

Financials

Extracted from Companies House accounts · accounting standard unknown
Metric2025-03-312024-03-31
Total assets£25.4k£51.0k
Current assets£123.3k£115.2k
Cash£20.4k£21.6k
Debtors£51.3k£59.4k
Net assets£-13.7k£1.8k

Amounts extracted automatically from iXBRL. Fields left blank were not reported or not mapped. Values in GBP unless stated.

🔒Filing-note intelligence

1 signal detected in this company's narrative notes — going-concern language, audit opinion, contingent liabilities, related-party transactions.

Available from the Pro tier upwards.

See pricing →

Recent activity

Last 30 days
0
filings
Last 90 days
1
filing
  • • 1 confirmation-statement
Last 180 days
3
filings
  • • 1 confirmation-statement
  • • 1 change-of-name
  • • 1 accounts
Counts from Companies House filing history.
Corporate timeline (40 events)Click to expand
  1. 2026-01-20
    ✏️
    certificate-change-of-name-company
    change-of-name · CERTNM
  2. 2025-12-23
    📄
    accounts-with-accounts-type-total-exemption-full
    accounts · AA
  3. 2025-10-30
    📄
    mortgage-satisfy-charge-full
    mortgage · MR04
  4. 2025-10-30
    📄
    mortgage-satisfy-charge-full
    mortgage · MR04
  5. 2025-10-30
    🔓
    Charge satisfied #2
  6. 2025-10-30
    🔓
    Charge satisfied #1
  7. 2024-12-20
    📄
    accounts-with-accounts-type-total-exemption-full
    accounts · AA
  8. 2024-11-08
    📄
    capital-allotment-shares
    capital · SH01
  9. 2023-08-08
    📄
    accounts-with-accounts-type-total-exemption-full
    accounts · AA
  10. 2022-12-16
    📄
    accounts-with-accounts-type-total-exemption-full
    accounts · AA
  11. 2022-04-19
    📄
    notification-of-a-person-with-significant-control
    persons-with-significant-control · PSC02
  12. 2022-04-14
    📄
    cessation-of-a-person-with-significant-control
    persons-with-significant-control · PSC07
  13. 2022-03-10
    ➖
    MIELE, Anthony Alessandro Natale resigned
    director
  14. 2022-03-10
    📄
    termination-director-company-with-name-termination-date
    officers · TM01
  15. 2022-02-01
    📄
    termination-director-company-with-name-termination-date
    officers · TM01
  16. 2022-01-27
    ➖
    BALLINGALL, Amy resigned
    director
  17. 2021-12-16
    📄
    accounts-with-accounts-type-total-exemption-full
    accounts · AA
  18. 2021-06-07
    📄
    change-person-director-company-with-change-date
    officers · CH01
  19. 2021-06-02
    📍
    change-registered-office-address-company-with-date-old-address-new-address
    address · AD01
  20. 2020-09-23
    📄
    accounts-with-accounts-type-total-exemption-full
    accounts · AA
  21. 2020-03-12
    📍
    change-registered-office-address-company-with-date-old-address-new-address
    address · AD01
  22. 2019-10-31
    📄
    accounts-with-accounts-type-total-exemption-full
    accounts · AA
  23. 2014-04-04
    ➖
    THOMSON, Neil, Mr. resigned
    director
  24. 2014-04-02
    ➖
    THOMSON, Allyson resigned
    secretary
  25. 2014-04-02
    ➕
    BALLINGALL, Amy appointed
    director
  26. 2008-12-28
    ➖
    BULLEN, Stephen Jonathan resigned
    director
  27. 2008-01-15
    ➖
    GRAY, Alistair resigned
    director
  28. 2005-01-01
    ➕
    BULLEN, Stephen Jonathan appointed
    director
  29. 2004-09-28
    🔒
    Charge registered #2
    Lender: The Governor and Company of the Bank of Scotland
  30. 2001-01-08
    🔒
    Charge registered #1
    Lender: The Governor and Company of the Bank of Scotland
  31. 2001-01-01
    ➕
    BALLINGALL, Dean appointed
    director
  32. 2001-01-01
    ➕
    MIELE, Anthony Alessandro Natale appointed
    director
  33. 1999-03-12
    ➕
    THOMSON, Allyson appointed
    secretary
  34. 1999-03-12
    ➖
    PF & S (SECRETARIES) LIMITED resigned
    corporate-nominee-secretary
  35. 1999-03-12
    ➕
    GRAY, Alistair appointed
    director
  36. 1999-03-12
    ➕
    THOMSON, Neil, Mr. appointed
    director
  37. 1999-03-12
    ➖
    PF & S (DIRECTORS) LIMITED resigned
    corporate-nominee-director
  38. 1999-03-09
    🏢
    Company incorporated
    As RBK WEALTH MANAGEMENT LTD
  39. 1999-03-09
    ➕
    PF & S (SECRETARIES) LIMITED appointed
    corporate-nominee-secretary
  40. 1999-03-09
    ➕
    PF & S (DIRECTORS) LIMITED appointed
    corporate-nominee-director

Owner dependency

85/100
Critical — business is the founder

The 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.
  • +Long-tenure founder: Senior director has been in place 25 years — deep operational knowledge concentrated in one person.

Succession & seller-readiness

75/100
Likely off-market candidate

Strong acquirability signals converging. Worth approaching directly — this is how off-market deals start.

SIGNALS
  • primarySole active director: Only one director in control. No visible successor — buyers solve the succession problem.
  • primary20+ year tenure: Director in role 25 years. Very long tenure is a classic succession signal.
  • secondaryStable-but-static management: Company is 27 years old and no new directors in the last 3 years — succession not yet being planned internally.
  • supportingClean filings + long tenure: Disciplined long-tenure operator — classic lifestyle-business pattern that often sells quietly.

Red flags

1 med ·
Name changed recently
medium

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

Evidence: 2026-01-20: certificate-change-of-name-company

Group structure

Rbk Group Ltd is the ultimate parent — holding 75%+ shares. This company sits inside their group.

🏛️
Rbk Group Ltd
Corporate parent · holds 75-100% shares · board control
ultimate parent
⬇
RBK WEALTH MANAGEMENT LTD
This company · SC194146

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%
NameSharesVoting rightsNature of controlNotified
Rbk Group Ltd
Corporate entity
75–100%
75–100%board control75-100% shares · 75-100% voting · board control12/04/2022
1 historic (ceased) PSC
  • Mr Dean Ballingallceased 11/04/2022· 75-100% shares

From Companies House Persons with Significant Control filings. Share ranges are banded per the public PSC regime.

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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.

See pricing →

Company details

Statusactive
Typeltd
Incorporated1999-03-09
Jurisdictionscotland
Primary SIC66220 — Activities of insurance agents and brokers

Registered office

9 Ainslie Place,
Edinburgh
Lothian
EH3 6AT
Scotland

Filing status

Accounts
Next due: 2026-12-31
Last made up to: 2025-03-31
Confirmation statement
Next due: 2027-03-23
Last: 2026-03-09

Officers (1 active · 8 resigned)

BALLINGALL, Dean→
director · ~54y · appointed 2001-01-01
View their other companies + combined net worth →
Active
THOMSON, Allyson→
secretary · appointed 1999-03-12 · resigned 2014-04-02
Resigned
PF & S (SECRETARIES) LIMITED→
corporate-nominee-secretary · appointed 1999-03-09 · resigned 1999-03-12
Resigned
BALLINGALL, Amy→
director · ~45y · appointed 2014-04-02 · resigned 2022-01-27
Resigned
BULLEN, Stephen Jonathan→
director · ~54y · appointed 2005-01-01 · resigned 2008-12-28
Resigned
GRAY, Alistair→
director · ~71y · appointed 1999-03-12 · resigned 2008-01-15
Resigned
MIELE, Anthony Alessandro Natale→
director · ~66y · appointed 2001-01-01 · resigned 2022-03-10
Resigned
THOMSON, Neil, Mr.→
director · ~80y · appointed 1999-03-12 · resigned 2014-04-04
Resigned
PF & S (DIRECTORS) LIMITED→
corporate-nominee-director · appointed 1999-03-09 · resigned 1999-03-12
Resigned

Click a director name to see their full track record across all companies.

Mortgages & charges

2
Total charges
0
Outstanding
0
Active lenders
Status:Lender:2 of 2 shown
TypeProperties
satisfied
Lloyds Banking Group
The Governor and Company of the Bank of Scotland
Standard security1 property28/09/200430/10/2025
satisfied
Lloyds Banking Group
The Governor and Company of the Bank of Scotland
Bond & floating charge1 property08/01/200130/10/2025

Recent filings (97 total)

confirmation-statement-with-updates
confirmation-statement · CS01
2026-03-23
certificate-change-of-name-company
change-of-name · CERTNM
2026-01-20
accounts-with-accounts-type-total-exemption-full
accounts · AA
2025-12-23
mortgage-satisfy-charge-full
mortgage · MR04
2025-10-30
mortgage-satisfy-charge-full
mortgage · MR04
2025-10-30
confirmation-statement-with-updates
confirmation-statement · CS01
2025-03-11
accounts-with-accounts-type-total-exemption-full
accounts · AA
2024-12-20
capital-allotment-shares
capital · SH01
2024-11-08
confirmation-statement-with-updates
confirmation-statement · CS01
2024-03-12
accounts-with-accounts-type-total-exemption-full
accounts · AA
2023-08-08
confirmation-statement-with-updates
confirmation-statement · CS01
2023-03-16
accounts-with-accounts-type-total-exemption-full
accounts · AA
2022-12-16
notification-of-a-person-with-significant-control
persons-with-significant-control · PSC02
2022-04-19
cessation-of-a-person-with-significant-control
persons-with-significant-control · PSC07
2022-04-14
confirmation-statement-with-no-updates
confirmation-statement · CS01
2022-03-22