HBOS PLC

🌳Matureactive

SC218813 · plc · incorporated 2001-05-03

Investment thesis

Well-run mature business — low negotiation leverage; premium likely.

Why interesting: Textbook target; clean filings, stable trading.

Why risky: No pressure on seller; any deal likely at full price.

Opportunity decay

hardening · 12-months

Already tight — no obvious softening catalysts on the horizon.

· Thesis: well-run, low negotiation leverage

🔒Estimated value

—

Upgrade to see

Turnover

—

not disclosed

Net worth

—

book net assets

Opportunity

79/100

Strong

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What this business does

Primary activity: Activities of financial services holding companies

Sector: Financial & insurance

Investor take

Pursue

Asset-holding vehicle with a 67-year-old founder — textbook succession opportunity.

Opportunity 79/100 (strong), bankability 80/100. Strong seller-intent signal (63/100, director aged 67). Share purchase looks the cleaner deal structure. Most likely exit: share sale to pe / searcher (65/100).

🏦

Refinance opportunity

1 live charge · oldest 1.9y

30/100

too messy

Refinance path is blocked by complexity. Rethink structure or expect bespoke, expensive terms.

· Newest facility, 1.9 years old — likely still in initial term.
· Single lender — cleanest path to refinance.
· Legal-friction score 28/100 — 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

Lenders & charges

1 charges (1/1 with lender, 1/1 with type)

Directors & officers

89 officers (11 active, 89 linked, 77 with DOB)

Ownership & PSC

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

Director network

19 connected companies via shared directors

Filing history

2479 filings on record

Gazette notices

No matching gazette notices (standard for active companies)

Opportunity Score

79/100Strong

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

Few red flags.

Signal strength

100

Good data coverage for analysis.

Recent activity

Last 30 days

filings

Last 90 days

filing

• 1 accounts

Last 180 days

filings

• 1 accounts
• 1 officers

Counts from Companies House filing history.

Corporate timeline (190 events)Click to expand

2026-03-20
📄
accounts-with-accounts-type-group
accounts · AA
2025-10-31
➖
WHEWAY, Jonathan Scott resigned
director
2025-10-31
📄
termination-director-company-with-name-termination-date
officers · TM01
2025-06-16
➕
VOGELZANG, Chris appointed
director
2025-06-16
📄
appoint-person-director-company-with-name-date
officers · AP01
2025-04-02
📄
accounts-with-accounts-type-group
accounts · AA
2024-08-08
📄
appoint-person-director-company-with-name-date
officers · AP01
2024-08-01
➕
BOSTOCK, Nathan Mark appointed
director
2024-05-31
📄
mortgage-create-with-deed-with-charge-number-charge-creation-date
mortgage · MR01
2024-05-29
🔒
Charge registered #1
Lender: Lloyds Banking Group Pensions Trustees Limited (In Its Capacity as Trustee of Hbos Final Salary Pension Scheme) (and Its Successors in Title and Permitted Transferees)
2024-05-17
📄
termination-director-company-with-name-termination-date
officers · TM01
2024-05-17
📄
termination-director-company-with-name-termination-date
officers · TM01
2024-05-16
➖
DICKINSON, Alan Peter resigned
director
2024-05-16
➖
LUPTON, Lord (James Roger Crompton) resigned
director
2024-04-15
📄
accounts-with-accounts-type-group
accounts · AA
2023-04-14
📄
accounts-with-accounts-type-group
accounts · AA
2022-12-19
📄
change-person-director-company-with-change-date
officers · CH01
2022-12-07
📄
resolution
resolution · RESOLUTIONS
2022-12-07
📄
memorandum-articles
incorporation · MA
2022-12-07
📄
capital-allotment-shares
capital · SH01
2022-11-03
📄
appoint-person-director-company-with-name-date
officers · AP01
2022-11-01
➕
TURNER, Catherine Lucy appointed
director
2022-08-04
📄
appoint-person-director-company-with-name-date
officers · AP01
2022-08-01
➕
WHEWAY, Jonathan Scott appointed
director
2022-05-12
➖
SINCLAIR, Stuart William resigned
director
2022-05-12
📄
termination-director-company-with-name-termination-date
officers · TM01
2022-04-04
📄
accounts-with-accounts-type-group
accounts · AA
2022-03-11
📄
statement-of-companys-objects
change-of-constitution · CC04
2022-03-11
📄
memorandum-articles
incorporation · MA
2022-03-11
📄
resolution
resolution · RESOLUTIONS
2021-11-01
➕
MEHTA, Harmeen appointed
director
2021-09-30
➖
PRETTEJOHN, Nicholas Edward Tucker resigned
director
2021-08-16
➕
NUNN, Charles Alan appointed
director
2021-05-20
➖
WELLER, Sara Vivienne resigned
director
2021-04-30
➖
HORTA-OSÓRIO, António Mota De Sousa, Mr. resigned
director
2021-01-01
➖
BLACKWELL, Lord (Norman Roy) resigned
director
2020-10-01
➕
BUDENBERG, Robin Francis appointed
director
2020-09-30
➖
HENRY, Simon Peter resigned
director
2020-09-18
➖
COLOMBÁS CALAFAT, Juan resigned
director
2020-05-21
➖
FREW, Anita Margaret resigned
director
2020-03-01
➕
WOODS, Catherine Marie appointed
director
2019-12-01
➕
LEGG, Sarah Catherine appointed
director
2019-08-01
➕
CHALMERS, William Leon David appointed
director
2019-08-01
➖
CULMER, Mark George resigned
director
2019-07-01
➕
CHEETHAM, Catharine Lucy appointed
secretary
2019-06-30
➖
WOOD, Malcolm James resigned
secretary
2018-12-31
➖
MCWHINNEY, Deborah Doyle resigned
director
2018-10-01
➕
MACKENZIE, Amanda Felicity appointed
director
2017-06-01
➕
LUPTON, Lord (James Roger Crompton) appointed
director
2017-05-11
➖
WATSON, Anthony resigned
director

Showing most recent 50 of 190 events

Owner dependency

55/100

Moderate — manageable with handover

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

FACTORS

-10 active directors: Broader management team in place — suggests transferable governance.
+Founder age: Director aged approximately 67 — succession pressure is live.

Succession & seller-readiness

50/100

Moderate signal

Some succession indicators present. Worth watching; approach if sector/strategy fits.

SIGNALS

primaryFounder aged 63+: Senior director is approximately 67. Approaching typical UK retirement age — succession thinking likely.

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

Lloyds Bank Plc is the ultimate parent — holding 75%+ shares. This company sits inside their group.

🏛️

Lloyds Bank Plc

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

ultimate parent

⬇

HBOS PLC

This company · SC218813

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
Lloyds Bank Plc 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 →

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ADAM SMITH LIMITED→ SC116109 · est 1989 · no financials extracted	—	—	—	—	37y	—	—
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ALDERWICK SERVICES LTD→ SC883883 · est 2026 · no financials extracted	—	—	—	—	—	—	—
ALEX MAGEE LTD→ SC853578 · est 2025 · no financials extracted	—	—	—	—	—	—	—
ALHAMA HOLDINGS LIMITED→ SC593255 · est 2018 · no financials extracted	—	—	—	—	8y	—	—
ALVA CONSULTING LIMITED→ SC353447 · est 2009 · no financials extracted	—	—	—	—	17y	—	—
ANDSTRAT (NO. 175) LIMITED→ SC256565 · est 2003 · no financials extracted	—	—	—	—	22y	—	—
ANNIELYTICS LIMITED→ SC495422 · est 2015 · no financials extracted	—	—	—	—	11y	—	—
ANNO 1939 (LICENCE) LIMITED→ SC709990 · est 2021 · no financials extracted	—	—	—	—	4y	—	—

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.

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Company details

Statusactive

Typeplc

Incorporated2001-05-03

Jurisdictionscotland

Primary SIC64205 — Activities of financial services holding companies

Registered office

The Mound

Edinburgh

EH1 1YZ

Filing status

Accounts

Next due: 2027-06-30

Last made up to: 2025-12-31

Confirmation statement

Next due: 2026-05-20

Last: 2025-05-06