Company Overview
Vanquis Banking Group Plc is listed at the official companies registry as Active Public Limited Company. The company was incorporated on Wednesday 31 August 1960, so this is a well established company. Vanquis Banking Group Plc has been in business for 65 years and 7 months. The accounts status is group and the accounts are next due on Tuesday 30 June 2026.
Registered Address

No. 1 Godwin Street, Bradford, West Yorkshire, BD1 2SU
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Companies House Data
Company NameVANQUIS BANKING GROUP PLC
Company Number00668987
Registered Office AddressNo. 1 Godwin Street
 BD1 2SU
Company CategoryPublic Limited Company
Company StatusActive
Country of OriginUnited Kingdom
Incorporation Date31/08/1960
Accounting Reference Date Day31
Accounting Reference Date Month12
Accounts Next Due Date30/06/2026
Accounts Last Made Up Date31/12/2024
Accounts Account CategoryGROUP
Returns Next Due Date28/10/2016
Returns Last Made Up Date30/09/2015
Previous Company NameChanged Date
PROVIDENT FINANCIAL PLC02 Mar 2023
Directors & Members
Show Resigned
Karen Briggs - Director
(British, 63 years old, born December 1963)
Appointed 27 March 2024
Active
Peter Estlin - Director
(British, 65 years old, born July 1961)
Appointed 19 April 2023
Active
Michele Greene - Director
(Irish, 61 years old, born September 1965)
Appointed 09 March 2023
Active
Oliver Laird - Director
(British, 56 years old, born May 1970)
Appointed 27 March 2024
Active
Secretaries
Show Resigned
Balance Sheet Unlock full report
Accounts Date 31-Dec-2024 31-Dec-2015 31-Dec-2014
Balance Sheet
Fixed Assets 466,200,000 466,200,000 394,500,000
Current Assets 2,002,000,000 2,002,000,000 1,864,200,000
Creditors Due Within One Year 402,200,000 402,200,000 270,000,000
Working Cap 1,599,800,000 1,599,800,000 1,594,200,000
Total Assets Less Current Liabilities 2,066,000,000 2,066,000,000 1,988,700,000
Long-term Liabilities 1,358,300,000 1,358,300,000 1,375,700,000
Net Assets 707,700,000 707,700,000 613,000,000
Share Capital & Reserves
Share Cap 30,500,000 30,500,000 30,300,000
Profit & Loss Reserves 370,900,000 370,900,000 295,400,000
Other Reserves 306,300,000 306,300,000 287,300,000
Shareholders Funds 707,700,000 707,700,000 613,000,000
Common Size Financial Analysis Unlock full report
Accounts Date 31-Dec-2024 31-Dec-2015 31-Dec-2014
Tangible Fixed Assets - - -
Fixed Assets 18.9% 18.9% 17.5%
Stocks Inventory 0.0% 0.0% 0.0%
Debtors 0.0% 0.0% 0.0%
Cash Bank In Hand 6.2% 6.2% 6.5%
Current Assets 81.1% 81.1% 82.5%
Creditors Due Within One Year 16.3% 16.3% 12.0%
Net Current Assets Liabilities 64.8% 64.8% 70.6%
Creditors Due After One Year 55.0% 55.0% 60.9%
Accruals Deferred Income - - -
Provisions For Liabilities Charges - - -
Net Assets Liabilities Including Pension Asset Liability 28.7% 28.7% 27.1%
Called Up Share Capital 1.2% 1.2% 1.3%
Share Capital Allotted Called Up Paid 1.2% 1.2% 1.3%
Profit Loss Account Reserve 15.0% 15.0% 13.1%
Shareholder Funds 28.7% 28.7% 27.1%
Capital Employed - - -
Total Assets Less Current Liabilities 83.7% 83.7% 88.0%
Financial Ratio Analysis Unlock full report
Accounts Date 31-Dec-2024 31-Dec-2015 31-Dec-2014
Liquidity Ratio 5.0 5.0 6.9
Solvency Ratio 1.4 1.4 1.4
Reserves to Assets 0.2 0.2 0.1
Secured Creditors Unlock full report
Mortgages Charges 2
Mortgages Outstanding 0
Mortgages Part Satisfied 0
Mortgages Satisfied 2
Assets and Debt Analysis Unlock full report
Accounts Date 31-Dec-2024 31-Dec-2015 31-Dec-2014
Assets 2,468,200,000 2,468,200,000 2,258,700,000
Debt 1,760,500,000 1,760,500,000 1,645,700,000
Net Assets/Debt 707,700,000 707,700,000 613,000,000

The following is based on the accounts data presented in this report sourced from Companies House, however the company has filed later accounts. Our analysis of the latest account can be viewed by unlocking our full report.

The company balance sheet displays a comfortable surplus of working capital. We would normally view this positively. Total reserves including retained profitability and movement in reserves appeared positive. We would normally view a company positively for this. The balance sheet indicates the substantial net assets of a large company. The amount of net assets suggests sufficient cover for total debts and obligations for the size of the company inferred by the balance sheet.

Unlock full report  The following is based on the accounts data presented in this report sourced from Companies House, however the company has filed later accounts. Our analysis of the latest account can be viewed by unlocking our full report.The company balance sheet displays a comfortable surplus of working capital. We would normally view this positively. Total reserves including retained profitability and movement in reserves appeared positive. We would normally view a company positively for this. The balance sheet indicates the substantial net assets of a large company. The amount of net assets suggests sufficient cover for total debts and obligations for the size of the company inferred by the balance sheet.   The following is based on the accounts data presented in this report sourced from Companies House, however the company has filed later accounts. Our analysis of the latest account can be viewed by unlocking our full report.The company balance sheet displays a comfortable surplus of working capital. We would normally view this positively. Total reserves including retained profitability and movement in reserves appeared positive. We would normally view a company positively for this. The balance sheet indicates the substantial net assets of a large company. The amount of net assets suggests sufficient cover for total debts and obligations for the size of the company inferred by the balance sheet.

This review of public record balance sheet and company status information is presented under the terms of Open Government Licence and is for informational purposes only, is general in nature, and is not intended as an opinion or advice for any specific circumstances. The commentary and the colour band score is not a credit rating or credit risk assessment.

This review does not constitute a full credit rating or credit risk assessment based on the full analysis and credit score algorithms used in our credit reports. A full credit report may also provide information relating to trade payment history and county court or court judgments if any.

Public Record Information Unlock full report
Exact Court Judgements
Period of Months Last 12m 13-24m 25-36m 37-48m 49-60m 61-72m
Number of Exact CCJS X Y Y X X Y
Value of Exact CCJS YXY YK S S X KX
Supplier Credit Limits Unlock full report
Date Sector Notified Amount Terms
XK-SXY XKXYXK SXSKXYXK £X,000 XS XYSKS
SK-SYY SKXYXKYKKY KSXX KKXXYXS £YY,000 YS XYSKS SK YXXSXS
YK-SXY XKXYXYYK SXSXYXK £SX,000 XS XYSKS
Payment Records Unlock full report
Payment Records from it's suppliers' company ledger show how a company is paying its suppliers

Payment Analysis

Total Invoices Paid Before
30 days due
Paid After
30 days due
Owing Before
30 days due
Owing after
30 days due
XYX SX K YX X
Company Valuation Analysis Unlock full report

Going Concern Valuation

The going concern valuations value the company on the basis that it continues to trade without the threat of liquidation for the foreseeable future. These valuations are primarily profit and cashflow based.

Valuations Valuation Measures
Estimated High Value £XSI,000 Retained Profit £YX,000
Estimated Mid Value £YY,000 EBIT £SY,000
Estimated Low Value £X,000 EBITDA £SSX,000

Liquidation Valuation

The liquidaton valuation values the company as if it were to cease trading and assets were subject to rapid disposal to cover liabilities. This valuation is primarily asset based.

Valuations Valuation Measures
Estimated High Value £XY,000 Total Assets £XIX,000
Estimated Mid Value £Y,000 Net Assets £YX,000
Estimated Low Value £S,000 Tangible Equity £SX,000

The above valuations are based on our own algorithms and take no account of many factors that can influence actual valuations realized and should not therefore be assumed to be accurate.

Credit Status Checklist Unlock full report
Business Growth Please purchase a report to see true comments
EBITDA Purchase a report to see true comments
Dividends Please purchase a report to see true comments about this company
Retained Profits Retained Profits for this company
Debt Interest Debt Interest for this company
Cash Flow Cash Flow for this company
CCJs CCJs for this company
Age of Company Age of Company for this company
Solvency Solvency for this company
Secured Creditors Secured Creditors for this company
Ownership Ownership for this company


First Report Score: (0-10) X
Financial Status Guide:
10 Very Strong
9 Strong
8 Very Good
7 Good
6 Above Average
5 Average
4 Below Average
3 Poor
2 Weak
1 Very Weak
0 Critical

Risk Score Trend

Risk Rating Unlock full report

This is the credit risk assessment used by one of the top UK credit reference agencies.

Risk Score (1-100) X
Risk Band Description XXMXMXMX SISX
Risk Assessment Meeting of Creditors
Credit Rating XSKX
Altman Z Score Credit Risk Rating Unlock full report

There have been many bankruptcy predictors developed, however none has been so thoroughly tested and broadly accepted as the Altman Z-Score.

Z Score X
Risk Band XY
Risk Band Description The Z Score is not used for small companies where full accounts are not filed because profit and loss account items are required to calculate the score.

Z Score Bands

1 Low Risk 3.00 and above
2 Caution 2.63 - 2.99
3 Risk of Failure within 2 years 1.24 - 2.62
4 High Probability Failure Below 1.24
Other Business around BD1 2SU
PROVIDENT LIMITED
1 Bridgewater Place, Water Lane, Leeds, West Yorkshire, BD1 2SU
PROVIDENT CLOTHING & SUPPLY COMPANY LIMITED (THE)
1 Bridgewater Place, Water Lane, Leeds, West Yorkshire, BD1 2SU
PROVIDENT PERSONAL CREDIT (IRELAND) LIMITED
No. 1 Godwin Street, Bradford, West Yorkshire, BD1 2SU
PROVIDENT PERSONAL CREDIT (MIDLANDS) LIMITED
No. 1 Godwin Street, Bradford, West Yorkshire, BD1 2SU
PROVIDENT FINANCIAL MANAGEMENT SERVICES LIMITED
No. 1 Godwin Street, Bradford, West Yorkshire, BD1 2SU
PROVIDENT FINANCIAL GROUP LIMITED
No. 1 Godwin Street, Bradford, West Yorkshire, BD1 2SU
PROVIDENT PERSONAL CREDIT LIMITED
No. 1 Godwin Street, Bradford, West Yorkshire, BD1 2SU
GREENWOOD PERSONAL CREDIT LIMITED
No. 1 Godwin Street, Bradford, West Yorkshire, BD1 2SU
PROVIDENT NO 2 LIMITED
No. 1 Godwin Street, Bradford, West Yorkshire, BD1 2SU
AQUIS CARDS LIMITED
FAIRBURN HOUSE, 5 GODWIN STREET, BRADFORD, BD1 2SU
Document Filings
Director's details changed for Michele Greene on 22 December 2025
Director's details changed for Karen Sarah Briggs on 22 December 2025
Director's details changed for Mrs Jacqueline Dorothy Mary Noakes on 22 December 2025
Director's details changed for Mr Ian Michael Brian Mclaughlin on 22 December 2025
Director's details changed for Mr Oliver Walter Laird on 22 December 2025
Satisfaction of charge 2 in full
Statement of capital following an allotment of shares on 9 October 2025
Confirmation statement made on 6 October 2025 with no updates
Registered office address changed from No. 1 Godwin Street Bradford West Yorkshire BD1 2SU to Fairburn House 5 Godwin Street Bradford BD1 2AH on 19 September 2025
Statement of capital following an allotment of shares on 3 June 2025
Resolutions
Termination of appointment of Angela Ann Knight as a director on 29 January 2025
Termination of appointment of Paul William Hewitt as a director on 29 January 2025
Termination of appointment of Elizabeth Rachel Mcclure as a secretary on 6 November 2024
Appointment of Michael Mustard as a secretary on 6 November 2024
Appointment of Mrs Elizabeth Rachel Mcclure as a secretary on 11 October 2024
Termination of appointment of Melanie Barnett as a secretary on 11 October 2024
Confirmation statement made on 6 October 2024 with no updates
Resolutions
Termination of appointment of Margot Cathleen James as a director on 15 May 2024
Termination of appointment of Elizabeth Grace Chambers as a director on 15 May 2024
Appointment of Karen Sarah Briggs as a director on 27 March 2024
Appointment of Mr Oliver Walter Laird as a director on 27 March 2024

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