LLOYDS BANK GENERAL INSURANCE HOLDINGS LIMITED
🌳Matureactive
01628564 · ltd · incorporated 1982-04-13
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 43.3y old — refinance window within 12 months
🔒Estimated value
—
Upgrade to see
Turnover
—
not disclosed
Net worth
—
book net assets
Opportunity
66/100
Strong
What this business does
Primary activity: Activities of head offices
Sector: Professional, scientific & technical
Investor take
Pass (distressed without resilience)Distressed active trading company — structural issues outweigh the discount.
Opportunity 66/100 (strong), bankability 80/100. Asset purchase likely safer than share purchase given structural signals. Biggest value-creation lever: Resolve: 1 insolvency-related filing on record. Filings relating to insolvency, liquidation, or administration exist in the company's history. Review before proceeding. Most likely exit: share sale to pe / searcher (50/100).
🏦
Refinance opportunity
1 live charge · oldest 43.3y
65/100
clean up first
Refinance viable after a tidy-up — address the highlighted items first.
- · Oldest live charge is 43.3 years old — likely at or near maturity.
- · Single lender — cleanest path to refinance.
- · Legal-friction score 38/100 — workable, but lender will want more DD.
Data confidence
Overall: medium (61/100)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
1 charges (1/1 with lender, 1/1 with type)
90
Directors & officers
86 officers (3 active, 86 linked, 70 with DOB)
86
Ownership & PSC
1 active PSC(s) of 1 total, 1 with control declared
90
Director network
17 connected companies via shared directors
90
Filing history
349 filings on record
85
Gazette notices
No matching gazette notices (standard for active companies)
60
Opportunity Score
66/100Strong
PassWatchWorth a lookStrongExceptional
Solid opportunity signal. Worth a dedicated memo and management meeting.
Business quality
70
Active, clean filings, stable charge profile.
Acquirability
50
Some acquirability indicators.
Risk profile
59
Some moderate concerns — review flags.
Signal strength
100
Good data coverage for analysis.
Recent activity
Last 30 days
1
filing
- • 1 accounts
Last 90 days
1
filing
- • 1 accounts
Last 180 days
2
filings
- • 1 accounts
- • 1 confirmation-statement
Counts from Companies House filing history.
Corporate timeline (185 events)Click to expand
- 2026-04-11📄accounts-with-accounts-type-fullaccounts · AA
- 2025-09-26📄appoint-person-secretary-company-with-name-dateofficers · AP03
- 2025-09-26📄appoint-person-director-company-with-name-dateofficers · AP01
- 2025-09-26📄appoint-person-director-company-with-name-dateofficers · AP01
- 2025-09-26📄termination-director-companyofficers · TM01
- 2025-09-25➕MCKAY, Karen Joanne appointedsecretary
- 2025-09-25➖RIDDY, Caroline Anne resignedsecretary
- 2025-09-25➖WHEWAY, Jonathan Scott resigneddirector
- 2025-09-25📄termination-director-company-with-name-termination-dateofficers · TM01
- 2025-09-25📄termination-director-company-with-name-termination-dateofficers · TM01
- 2025-09-25📄termination-director-company-with-name-termination-dateofficers · TM01
- 2025-09-25📄termination-secretary-company-with-name-termination-dateofficers · TM02
- 2025-09-25📄termination-director-company-with-name-termination-dateofficers · TM01
- 2025-09-25📄termination-director-company-with-name-termination-dateofficers · TM01
- 2025-09-25📄termination-director-company-with-name-termination-dateofficers · TM01
- 2025-09-25📄termination-director-company-with-name-termination-dateofficers · TM01
- 2025-09-25📄termination-director-company-with-name-termination-dateofficers · TM01
- 2025-09-25📄termination-director-company-with-name-termination-dateofficers · TM01
- 2025-09-17➕BEZUIDENHOUT, Jacques Lodewickus appointeddirector
- 2025-09-17➕MESSENGER, Rachel Anne appointeddirector
- 2025-09-17➖BARUA, Chirantan resigneddirector
- 2025-09-17➖CHALMERS, William Leon David resigneddirector
- 2025-09-17➖COOPER, Kirstine Ann resigneddirector
- 2025-09-17➖CUHLS, Matthew Hilmar resigneddirector
- 2025-09-17➖MCNAMARA, Paul Gerard resigneddirector
- 2025-09-17➖MOULDER, Christopher John George resigneddirector
- 2025-09-17➖NYAHASHA, Shingirai Thaddeus resigneddirector
- 2025-09-17➖SCHUMACHER, Gayle Elaine resigneddirector
- 2025-09-17➖TRUSSELL, Mary Helen resigneddirector
- 2025-07-16📄appoint-person-director-company-with-name-dateofficers · AP01
- 2025-07-07➕TRUSSELL, Mary Helen appointeddirector
- 2025-06-05📄termination-director-company-with-name-termination-dateofficers · TM01
- 2025-06-04➖HARRIS, Joanna Kate resigneddirector
- 2025-04-04📄accounts-with-accounts-type-fullaccounts · AA
- 2025-03-19📄termination-director-company-with-name-termination-dateofficers · TM01
- 2025-03-18➖DAVIS, Deborah Lee resigneddirector
- 2024-12-11📄capital-statement-capital-company-with-date-currency-figurecapital · SH19
- 2024-12-11📄legacycapital · SH20
- 2024-12-11⚠️legacyinsolvency · CAP-SS
- 2024-12-11📄resolutionresolution · RESOLUTIONS
- 2024-09-13➕RIDDY, Caroline Anne appointedsecretary
- 2024-09-12➖WILLIAMS, Jesujuwonlo resignedsecretary
- 2024-09-02➕MCNAMARA, Paul Gerard appointeddirector
- 2024-06-30➖REIZENSTEIN, Anthony Jonathan resigneddirector
- 2024-03-29➕WILLIAMS, Jesujuwonlo appointedsecretary
- 2024-03-28➖JOLLY, Joanne Margaret resignedsecretary
- 2024-03-01➕COOPER, Kirstine Ann appointeddirector
- 2024-01-15➖DOWNIE, Michael Ronald resigneddirector
- 2024-01-15➕NYAHASHA, Shingirai Thaddeus appointeddirector
- 2024-01-01➕CUHLS, Matthew Hilmar appointeddirector
Showing most recent 50 of 185 events
Owner dependency
58/100
Moderate — manageable with handoverSome 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 signalLimited 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
1 high · 1 med ·1 insolvency-related filing on record
highFilings relating to insolvency, liquidation, or administration exist in the company's history. Review before proceeding.
Evidence: 2024-12-11: legacy
12 director resignations in last 12 months
mediumMultiple recent departures can indicate governance disagreement, succession event, or preparation for sale/stress.
Evidence: RIDDY, Caroline Anne resigned 2025-09-25; BARUA, Chirantan resigned 2025-09-17; CHALMERS, William Leon David resigned 2025-09-17
Group structure
Scottish Widows Group Limited is the ultimate parent — holding 75%+ shares. This company sits inside their group.
🏛️ultimate parent
Scottish Widows Group Limited
Corporate parent · holds 75-100% shares · board control
⬇
LLOYDS BANK GENERAL INSURANCE HOLDINGS LIMITED
This company · 01628564
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 |
|---|---|---|---|---|
Scottish Widows Group Limited 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 · Professional services · EC postcode area| Company | Est. value | Turnover | Net worth | Staff | Age | Opp | Director |
|---|---|---|---|---|---|---|---|
| 01 ALPHATECH SYSTEMS LIMITED→ 09868899 · est 2015 · no financials extracted | — | — | — | — | 10y | — | — |
| 1 DIGITAL-SHELF LTD→ 16417389 · est 2025 · no financials extracted | — | — | — | — | — | — | — |
| 1 OF 1 CONSULTANCY LTD→ 16963869 · est 2026 · no financials extracted | — | — | — | — | — | — | — |
| 103 VENTURES LTD→ 14563612 · est 2022 · no financials extracted | — | — | — | — | 3y | — | — |
| 104 IMPACT PARTNERS LTD→ 16344386 · est 2025 · no financials extracted | — | — | — | — | 1y | — | — |
| 11 ARCHER SECURITY GROUP LTD→ 16889190 · est 2025 · no financials extracted | — | — | — | — | — | — | — |
| 11:FS GROUP LIMITED→ 10103078 · est 2016 · no financials extracted | — | — | — | — | 10y | — | — |
| 11HA LTD→ 16901676 · est 2025 · no financials extracted | — | — | — | — | — | — | — |
| 121 CONSULTANCY SERVICES LIMITED→ 17028558 · est 2026 · no financials extracted | — | — | — | — | — | — | — |
| 121.COLLECTIVE LTD→ 11690109 · est 2018 · no financials extracted | — | — | — | — | 7y | — | — |
| 1440 CONSULTANCY LTD→ 16804306 · est 2025 · no financials extracted | — | — | — | — | — | — | — |
| 15/16 SS LIMITED→ 16706245 · est 2025 · no financials extracted | — | — | — | — | — | — | — |
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
Incorporated1982-04-13
Jurisdictionengland-wales
Primary SIC70100 — Activities of head offices
Registered office
25 Gresham Street
London
EC2V 7HN
United Kingdom
Filing status
Accounts
Next due: 2027-09-30
Last made up to: 2025-12-31
Confirmation statement
Next due: 2026-11-21
Last: 2025-11-07
Officers (3 active · 83 resigned)
MCKAY, Karen Joanne→
Activesecretary · appointed 2025-09-25
View their other companies + combined net worth →
BEZUIDENHOUT, Jacques Lodewickus→
Activedirector · ~51y · appointed 2025-09-17
View their other companies + combined net worth →
MESSENGER, Rachel Anne→
Activedirector · ~44y · appointed 2025-09-17
View their other companies + combined net worth →
EARL, Jane→
Resignedsecretary · appointed 1995-07-10 · resigned 1996-03-29
HERD, Catriona Margaret→
Resignedsecretary · appointed 2013-07-26 · resigned 2014-04-23
JOLLY, Joanne Margaret→
Resignedsecretary · appointed 2014-04-23 · resigned 2024-03-28
MARCH, Luke Henry Walter→
Resignedsecretary · resigned 1993-11-12
MAYER, Sally→
Resignedsecretary · appointed 2011-07-14 · resigned 2013-07-26
MAYER, Sally→
Resignedsecretary · appointed 2011-02-02 · resigned 2011-05-20
MAYER, Sally→
Resignedsecretary · appointed 2009-08-28 · resigned 2010-03-31
MEACHAM, Jayne Michelle→
Resignedsecretary · appointed 2010-03-31 · resigned 2011-02-02
RIDDY, Caroline Anne→
Resignedsecretary · appointed 2024-09-13 · resigned 2025-09-25
RODGERS, Helen Suzanne→
Resignedsecretary · appointed 1996-04-12 · resigned 2001-10-11
SLATTERY, Sharon Noelle, Mrs.→
Resignedsecretary · appointed 2001-10-11 · resigned 2009-08-28
STAPLES, Graham→
Resignedsecretary · appointed 1993-11-12 · resigned 1994-05-09
TAYLOR, John Keith→
Resignedsecretary · appointed 1994-05-09 · resigned 1995-07-10
WATTS, Paula→
Resignedsecretary · appointed 2011-05-20 · resigned 2011-07-14
WILLIAMS, Jesujuwonlo→
Resignedsecretary · appointed 2024-03-29 · resigned 2024-09-12
AYLIFFE, Peter George Edwin→
Resigneddirector · ~73y · appointed 1996-06-27 · resigned 1997-06-09
BARUA, Chirantan→
Resigneddirector · ~53y · appointed 2023-05-31 · resigned 2025-09-17
Click a director name to see their full track record across all companies.
Mortgages & charges
1
Total charges
1
Outstanding
1
Active lenders
Status:Lender:1 of 1 shown
| Type | Properties | |||||
|---|---|---|---|---|---|---|
| outstanding | Central Trustee Savings Bank . Central Trustee Savings Bank Limited. | Memorandum of deposit | 1 property | 23/12/1982 | — |
Click column headers to sort. Use filters above to narrow by status and lender.
Recent filings (349 total)
accounts-with-accounts-type-full
accounts · AA
2026-04-11
confirmation-statement-with-no-updates
confirmation-statement · CS01
2025-11-07
appoint-person-secretary-company-with-name-date
officers · AP03
2025-09-26
appoint-person-director-company-with-name-date
officers · AP01
2025-09-26
appoint-person-director-company-with-name-date
officers · AP01
2025-09-26
termination-director-company
officers · TM01
2025-09-26
termination-director-company-with-name-termination-date
officers · TM01
2025-09-25
termination-director-company-with-name-termination-date
officers · TM01
2025-09-25
termination-director-company-with-name-termination-date
officers · TM01
2025-09-25
termination-secretary-company-with-name-termination-date
officers · TM02
2025-09-25
termination-director-company-with-name-termination-date
officers · TM01
2025-09-25
termination-director-company-with-name-termination-date
officers · TM01
2025-09-25
termination-director-company-with-name-termination-date
officers · TM01
2025-09-25
termination-director-company-with-name-termination-date
officers · TM01
2025-09-25
termination-director-company-with-name-termination-date
officers · TM01
2025-09-25