BANK OF SCOTLAND PLC

🌳Matureactive

SC327000 · plc · incorporated 2007-09-17

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

73/100

Strong

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What this business does

Primary activity: Banks

Sector: Financial & insurance

Investor take

Pursue

Active trading company with a 70-year-old founder — textbook succession opportunity.

Opportunity 73/100 (strong), bankability 57/100. Strong seller-intent signal (63/100, director aged 70). Biggest value-creation lever: Consolidate lender relationships. 17 distinct lenders creates friction — refinance into single-lender structure for cleaner diligence. Most likely exit: strategic trade sale (48/100).

🏦

Refinance opportunity

29 live charges · 17 lenders · oldest 23.9y

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 23.9 years old — likely at or near maturity.
· 17 lenders named — inter-creditor friction likely.
· Legal-friction score 63/100 (high).

Data confidence

Overall: medium (62/100)

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

29 charges (29/29 with lender, 29/29 with type)

Directors & officers

71 officers (14 active, 71 linked, 66 with DOB)

Ownership & PSC

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

Director network

15 connected companies via shared directors

Filing history

310 filings on record

Gazette notices

No matching gazette notices (standard for active companies)

Opportunity Score

73/100Strong

PassWatchWorth a lookStrongExceptional

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

Business quality

Adequate — check latest filings for context.

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 (194 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
officers · TM01
2025-08-05
📄
mortgage-satisfy-charge-full
mortgage · MR04
2025-08-05
📄
mortgage-satisfy-charge-full
mortgage · MR04
2025-08-05
🔓
Charge satisfied #30
2025-08-05
🔓
Charge satisfied #29
2025-08-04
📄
mortgage-create-with-deed-with-charge-number-charge-creation-date
mortgage · MR01
2025-08-04
📄
mortgage-create-with-deed-with-charge-number-charge-creation-date
mortgage · MR01
2025-07-29
🔒
Charge registered #30
Lender: Willow Health Care Holdings Limited
2025-07-29
🔒
Charge registered #29
Lender: Willow Health Care LTD
2025-06-16
➕
VOGELZANG, Chris appointed
director
2025-06-16
📄
appoint-person-director-company-with-name-date
officers · AP01
2025-04-01
📄
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
2024-05-17
📄
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
2024-03-26
📄
mortgage-satisfy-charge-full
mortgage · MR04
2024-03-26
📄
mortgage-satisfy-charge-full
mortgage · MR04
2024-03-26
📄
mortgage-satisfy-charge-full
mortgage · MR04
2024-03-26
📄
mortgage-satisfy-charge-full
mortgage · MR04
2024-03-26
📄
mortgage-satisfy-charge-full
mortgage · MR04
2024-03-26
📄
mortgage-satisfy-charge-full
mortgage · MR04
2024-03-26
📄
mortgage-satisfy-charge-full
mortgage · MR04
2024-03-26
📄
mortgage-satisfy-charge-full
mortgage · MR04
2024-03-26
📄
mortgage-satisfy-charge-full
mortgage · MR04
2024-03-26
🔓
Charge satisfied #10
2024-03-26
🔓
Charge satisfied #9
2024-03-26
🔓
Charge satisfied #8
2024-03-26
🔓
Charge satisfied #7
2024-03-26
🔓
Charge satisfied #6
2024-03-26
🔓
Charge satisfied #5
2024-03-26
🔓
Charge satisfied #4
2024-03-26
🔓
Charge satisfied #3
2024-03-26
🔓
Charge satisfied #2
2024-02-14
📄
legacy
miscellaneous · ANNOTATION
2024-02-14
📄
legacy
miscellaneous · ANNOTATION
2022-11-01
➕
TURNER, Catherine Lucy appointed
director
2022-08-01
➕
WHEWAY, Jonathan Scott appointed
director
2022-05-12
➖
SINCLAIR, Stuart William resigned
director
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

Showing most recent 50 of 194 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 70 — 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 70 years old. Natural succession window is now.

Red flags

1 med · 1 low

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.

16 live charges

low

Heavily leveraged with multiple live security positions — understand the capital structure before proceeding.

Group structure

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

🏛️

Hbos Plc

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

ultimate parent

⬇

BANK OF SCOTLAND PLC

This company · SC327000

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
Hbos 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 →

Similar companies

Active · Financial services · EH postcode area

Company	Est. value	Turnover	Net worth	Staff	Age	Opp	Director
BLACKROCK DIVERSIFIED PRIVATE DEBT FUND GP LIMITED→ SC680149 · est 2020 · no financials extracted	—	—	—	—	5y	—	—
BLACKROCK SMALLER COMPANIES TRUST PLC→ SC006176 · est 1906 · no financials extracted	—	—	—	—	119y	—	—
BLANK CANVAS MORTGAGES LIMITED→ SC835108 · est 2025 · no financials extracted	—	—	—	—	1y	—	—
BLUESKY INDEPENDENT WEALTH MANAGERS LTD→ SC535531 · est 2016 · no financials extracted	—	—	—	—	9y	—	—
BORDER TO COAST BEDFORDSHIRE GP LIMITED→ SC626605 · est 2019 · no financials extracted	—	—	—	—	7y	—	—
BORDER TO COAST CUMBRIA GP LIMITED→ SC626604 · est 2019 · no financials extracted	—	—	—	—	7y	—	—
BORDER TO COAST DURHAM GP LIMITED→ SC626601 · est 2019 · no financials extracted	—	—	—	—	7y	—	—
BORDER TO COAST SURREY GP LIMITED→ SC626608 · est 2019 · no financials extracted	—	—	—	—	7y	—	—
BORDER TO COAST TYNE & WEAR GP LIMITED→ SC626610 · est 2019 · no financials extracted	—	—	—	—	7y	—	—
BORDER TO COAST WARWICKSHIRE GP LIMITED→ SC626609 · est 2019 · no financials extracted	—	—	—	—	7y	—	—
BRABEUM INVESTMENTS LIMITED→ SC689999 · est 2021 · no financials extracted	—	—	—	—	5y	—	—
BRAVO (DRINKS) LIMITED→ SC669698 · est 2020 · no financials extracted	—	—	—	—	5y	—	—

Peers ranked by estimated value, then turnover, then opportunity score.See all →

🔒Tailored diligence questions

9 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

Incorporated2007-09-17

Jurisdictionscotland

Primary SIC64191 — Banks

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