CLYDESDALE BANK PLC

🌳Matureactive

SC001111 · plc · incorporated 1882-04-03

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

74/100

Strong

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What this business does

Primary activity: Banks

Sector: Financial & insurance

Investor take

Pursue

Active trading company with a 71-year-old founder — textbook succession opportunity.

Opportunity 74/100 (strong), bankability 72/100. Strong seller-intent signal (65/100, director aged 71). 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

18 live charges · 3 lenders · oldest 20.9y

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 20.9 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

18 charges (18/18 with lender, 18/18 with type)

Directors & officers

100 officers (14 active, 100 linked, 91 with DOB)

Ownership & PSC

1 active PSC(s) of 2 total, 2 with control declared

Director network

5 connected companies via shared directors

Filing history

567 filings on record

Gazette notices

No matching gazette notices (standard for active companies)

Opportunity Score

74/100Strong

PassWatchWorth a lookStrongExceptional

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

Business quality

Active, clean filings, stable charge profile.

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

• 9 mortgage
• 1 officers

Last 90 days

filings

• 10 mortgage
• 2 officers

Last 180 days

filings

• 10 mortgage
• 4 officers

Counts from Companies House filing history.

Corporate timeline (235 events)Click to expand

2026-04-13
📄
mortgage-satisfy-charge-full
mortgage · MR04
2026-04-13
📄
mortgage-satisfy-charge-full
mortgage · MR04
2026-04-13
📄
mortgage-satisfy-charge-full
mortgage · MR04
2026-04-13
📄
mortgage-satisfy-charge-full
mortgage · MR04
2026-04-13
📄
mortgage-satisfy-charge-full
mortgage · MR04
2026-04-13
📄
mortgage-satisfy-charge-full
mortgage · MR04
2026-04-13
🔓
Charge satisfied #19
2026-04-13
🔓
Charge satisfied #18
2026-04-13
🔓
Charge satisfied #17
2026-04-13
🔓
Charge satisfied #16
2026-04-13
🔓
Charge satisfied #14
2026-04-13
🔓
Charge satisfied #13
2026-04-09
📄
appoint-person-director-company-with-name-date
officers · AP01
2026-04-01
➕
ROGERS, Michael John appointed
director
2026-03-27
📄
mortgage-satisfy-charge-full
mortgage · MR04
2026-03-27
📄
mortgage-satisfy-charge-full
mortgage · MR04
2026-03-27
📄
mortgage-satisfy-charge-full
mortgage · MR04
2026-03-27
🔓
Charge satisfied #7
2026-03-27
🔓
Charge satisfied #4
2026-03-27
🔓
Charge satisfied #1
2026-02-09
📄
appoint-person-director-company-with-name-date
officers · AP01
2026-02-01
➕
BAINBRIDGE, Guy Lawrence Tarn appointed
director
2026-01-29
📄
mortgage-satisfy-charge-full
mortgage · MR04
2026-01-29
🔓
Charge satisfied #20
2026-01-02
📄
termination-director-company-with-name-termination-date
officers · TM01
2026-01-02
📄
termination-director-company-with-name-termination-date
officers · TM01
2025-12-31
➖
AITHAL, Anand resigned
director
2025-12-31
➖
BENNETT, David Jonathan resigned
director
2025-10-06
📄
appoint-person-director-company-with-name-date
officers · AP01
2025-10-01
📄
appoint-person-director-company-with-name-date
officers · AP01
2025-09-30
➕
CROSBIE, Deborah Anne appointed
director
2025-09-30
➕
KEIR, Alan Mcalpine appointed
director
2025-09-30
➕
KLEIN, Deborah appointed
director
2025-09-30
➕
MATHIESON, Muir appointed
director
2025-09-30
➕
ORTON, Sally-Ann appointed
director
2025-09-30
➕
PARRY, Kevin Allen Huw appointed
director
2025-09-30
➕
RAJAH, Tamara Nayagi Heera appointed
director
2025-09-30
➕
RILEY, Gillian appointed
director
2025-09-30
➕
RIVETT, Philip George appointed
director
2025-09-30
➕
AITHAL, Anand appointed
director
2025-09-30
➖
CHARLES-JONES, Lucinda Claire resigned
director
2025-09-30
➖
NOVOKRESHCHENOVA, Elena, Ms. resigned
director
2025-09-30
📄
appoint-person-director-company-with-name-date
officers · AP01
2025-09-30
📄
appoint-person-director-company-with-name-date
officers · AP01
2025-09-30
📄
termination-director-company-with-name-termination-date
officers · TM01
2025-09-30
📄
appoint-person-director-company-with-name-date
officers · AP01
2025-09-30
📄
termination-director-company-with-name-termination-date
officers · TM01
2025-09-30
📄
appoint-person-director-company-with-name-date
officers · AP01
2025-09-30
📄
appoint-person-director-company-with-name-date
officers · AP01
2025-09-30
📄
appoint-person-director-company-with-name-date
officers · AP01

Showing most recent 50 of 235 events

Owner dependency

55/100

Moderate — manageable with handover

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

FACTORS

-13 active directors: Broader management team in place — suggests transferable governance.
+Founder age: Director aged approximately 71 — succession pressure is live.

Succession & seller-readiness

60/100

Strong succession signal

Multiple signals suggest succession is on the horizon. Candidate for proactive outreach.

SIGNALS

primaryFounder aged 70+: Senior director is approximately 71 years old. Natural succession window is now.

Red flags

2 med ·

6 director resignations in last 12 months

medium

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

Evidence: MCMILLAN, Lorna Forsyth resigned 2025-07-31; PEIRSON, James resigned 2025-07-31; AITHAL, Anand resigned 2025-12-31

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.

Group structure

Virgin Money Uk Plc is the ultimate parent — holding 75%+ shares. This company sits inside their group.

🏛️

Virgin Money Uk Plc

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

ultimate parent

⬇

CLYDESDALE BANK PLC

This company · SC001111

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
Virgin Money Uk Plc Corporate entity	75–100%	75–100%	board control75-100% shares · 75-100% voting · board control	30/09/2016

1 historic (ceased) PSC

Cyb Investments Limitedceased 30/09/2016· 75-100% shares · 75-100% voting · board control

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

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 →

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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

Incorporated1882-04-03

Jurisdictionscotland

Primary SIC64191 — Banks

Registered office

177 Bothwell Street

Glasgow

G2 7ER

Scotland

Filing status

Accounts

Next due: 2026-09-30

Last made up to: 2025-03-31

Confirmation statement

Next due: 2026-08-15

Last: 2025-08-01