ASHBANK HOLDINGS LTD

🏛️Establishedactive
SC578758 · ltd · incorporated 2017-10-12
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.
Opportunity decay
approaching window · 12-months
Approaching a transaction window — refinance or sale event plausible in the next 12 months.
  • · Oldest live charge 8.1y old — refinance window within 12 months
🔒Estimated value
—
Upgrade to see
Turnover
—
year to Sept 2025
Net worth
£200
book net assets
Opportunity
73/100
Strong
🔔
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What this business does
Primary activity: SIC 99999
Sector: Extraterritorial bodies
Investor take
Pursue
Strong opportunity: asset-holding vehicle with strong profile and bankable structure.

Opportunity 73/100 (strong), bankability 85/100. Share purchase looks the cleaner deal structure. Most likely exit: share sale to pe / searcher (58/100).

🏦

Refinance opportunity

1 live charge · oldest 8.1y

85/100
ready

Refinance conversation should be productive — structure clean and timing right.

  • · Oldest live charge is 8.1 years old — likely at or near maturity.
  • · Single lender — cleanest path to refinance.
  • · Legal-friction score 15/100 — clean.

Data confidence

Overall: high (83/100)

Strong data coverage across all sections. AI outputs should be trusted with minimal caveats.

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
1 charges (1/1 with lender, 1/1 with type)
90
Directors & officers
4 officers (2 active, 4 linked, 4 with DOB)
90
Ownership & PSC
1 active PSC(s) of 3 total, 3 with control declared
90
Director network
10 connected companies via shared directors
75
Filing history
38 filings on record
85
Gazette notices
No matching gazette notices (standard for active companies)
60
Opportunity Score
73/100Strong
PassWatchWorth a lookStrongExceptional 

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

Business quality
65
Adequate — check latest filings for context.
Acquirability
50
Some acquirability indicators.
Risk profile
85
Few red flags.
Signal strength
100
Good data coverage for analysis.

Signals from accounts

Derived from iXBRL accounts · accounting standard not declared
Positive net assets
Net assets £200

Key financials

2 years extracted from filed iXBRL accounts
Cash
—
Net Worth
£200
~ YoY
Current Assets
£200
~ YoY
Current Liabilities
—
£0£40£80£120£160£200Sept 2024Sept 2025

Hover to see exact values · click legend to toggle series

Financials

Extracted from Companies House accounts · accounting standard unknown
Metric2025-09-302024-09-30
Total assets£200£200
Current assets£200£200
Net assets£200£200

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

Recent activity

Last 30 days
0
filings
Last 90 days
1
filing
  • • 1 accounts
Last 180 days
1
filing
  • • 1 accounts
Counts from Companies House filing history.
Corporate timeline (28 events)Click to expand
  1. 2026-03-25
    📄
    accounts-with-accounts-type-micro-entity
    accounts · AA
  2. 2025-05-07
    📄
    accounts-with-accounts-type-micro-entity
    accounts · AA
  3. 2024-06-10
    📄
    accounts-with-accounts-type-micro-entity
    accounts · AA
  4. 2023-06-29
    📄
    accounts-with-accounts-type-small
    accounts · AA
  5. 2023-05-12
    📄
    change-person-director-company-with-change-date
    officers · CH01
  6. 2022-09-13
    📍
    change-registered-office-address-company-with-date-old-address-new-address
    address · AD01
  7. 2022-06-20
    📄
    accounts-with-accounts-type-small
    accounts · AA
  8. 2022-04-25
    📄
    change-account-reference-date-company-previous-extended
    accounts · AA01
  9. 2021-10-14
    📄
    change-person-director-company-with-change-date
    officers · CH01
  10. 2021-06-02
    📄
    accounts-with-accounts-type-total-exemption-full
    accounts · AA
  11. 2021-02-12
    📄
    change-to-a-person-with-significant-control
    persons-with-significant-control · PSC05
  12. 2020-10-12
    📄
    change-account-reference-date-company-previous-shortened
    accounts · AA01
  13. 2020-10-02
    📄
    resolution
    resolution · RESOLUTIONS
  14. 2020-09-23
    📄
    memorandum-articles
    incorporation · MA
  15. 2020-09-07
    📄
    notification-of-a-person-with-significant-control
    persons-with-significant-control · PSC02
  16. 2020-09-07
    📄
    appoint-person-director-company-with-name-date
    officers · AP01
  17. 2020-09-07
    📄
    appoint-person-director-company-with-name-date
    officers · AP01
  18. 2020-09-07
    📍
    change-registered-office-address-company-with-date-old-address-new-address
    address · AD01
  19. 2020-09-07
    📄
    termination-director-company-with-name-termination-date
    officers · TM01
  20. 2020-09-07
    🔓
    Charge satisfied #1
  21. 2020-09-03
    ➕
    GILLINGS, Mark Andrew appointed
    director
  22. 2020-09-03
    ➕
    SIMPSON, Donna Louise appointed
    director
  23. 2020-09-03
    ➖
    WALLACE, Emily resigned
    director
  24. 2020-09-03
    ➖
    WALLACE, Robert resigned
    director
  25. 2018-04-26
    🔒
    Charge registered #1
    Lender: Bank of Scotland PLC
  26. 2017-10-12
    🏢
    Company incorporated
    As ASHBANK HOLDINGS LTD
  27. 2017-10-12
    ➕
    WALLACE, Emily appointed
    director
  28. 2017-10-12
    ➕
    WALLACE, Robert appointed
    director

Owner dependency

58/100
Moderate — manageable with handover

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

FACTORS
  • +Two-director setup: Only two active directors — typical of owner-managed SMEs but limits succession.

Succession & seller-readiness

36/100
Weak signal

Limited succession signal. Not a near-term off-market candidate.

SIGNALS
  • secondaryTwo-director governance: Small-team governance. Succession depth is thin but not absent.

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

Independent Vetcare Limited is the ultimate parent — holding 75%+ shares. This company sits inside their group.

🏛️
Independent Vetcare Limited
Corporate parent · holds 75-100% shares · board control
ultimate parent
⬇
ASHBANK HOLDINGS LTD
This company · SC578758

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
Independent Vetcare Limited
Corporate entity
75–100%
75–100%board control75-100% shares · 75-100% voting · board control03/09/2020
2 historic (ceased) PSCs
  • Mr Robert Wallaceceased 03/09/2020· 25-50% shares · 25-50% voting
  • Mrs Emily Wallaceceased 03/09/2020· 25-50% shares · 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

6 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
Incorporated2017-10-12
Jurisdictionscotland
Primary SIC99999 — SIC 99999

Registered office

C/O Penguin House, Castle Riggs
Dunfermline
Fife
Scotland
KY11 8SG
Scotland

Filing status

Accounts
Next due: 2027-06-30
Last made up to: 2025-09-30
Confirmation statement
Next due: 2026-10-25
Last: 2025-10-11

Officers (2 active · 2 resigned)

GILLINGS, Mark Andrew→
director · ~47y · appointed 2020-09-03
View their other companies + combined net worth →
Active
SIMPSON, Donna Louise→
director · ~46y · appointed 2020-09-03
View their other companies + combined net worth →
Active
WALLACE, Emily→
director · ~40y · appointed 2017-10-12 · resigned 2020-09-03
Resigned
WALLACE, Robert→
director · ~40y · appointed 2017-10-12 · resigned 2020-09-03
Resigned

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

Mortgages & charges

1
Total charges
0
Outstanding
0
Active lenders
Status:Lender:1 of 1 shown
TypeProperties
satisfied
Lloyds Banking Group
Bank of Scotland PLC
A registered charge—26/04/201807/09/2020

Recent filings (38 total)

accounts-with-accounts-type-micro-entity
accounts · AA
2026-03-25
confirmation-statement-with-no-updates
confirmation-statement · CS01
2025-10-21
accounts-with-accounts-type-micro-entity
accounts · AA
2025-05-07
confirmation-statement-with-no-updates
confirmation-statement · CS01
2024-10-24
accounts-with-accounts-type-micro-entity
accounts · AA
2024-06-10
confirmation-statement-with-no-updates
confirmation-statement · CS01
2023-10-23
accounts-with-accounts-type-small
accounts · AA
2023-06-29
change-person-director-company-with-change-date
officers · CH01
2023-05-12
confirmation-statement-with-updates
confirmation-statement · CS01
2022-10-25
change-registered-office-address-company-with-date-old-address-new-address
address · AD01
2022-09-13
accounts-with-accounts-type-small
accounts · AA
2022-06-20
change-account-reference-date-company-previous-extended
accounts · AA01
2022-04-25
confirmation-statement-with-no-updates
confirmation-statement · CS01
2021-10-26
change-person-director-company-with-change-date
officers · CH01
2021-10-14
accounts-with-accounts-type-total-exemption-full
accounts · AA
2021-06-02