LLOYDS BANK PLC
Opportunity 73/100 (strong), bankability 52/100. Biggest value-creation lever: Consolidate lender relationships. 60 distinct lenders creates friction — refinance into single-lender structure for cleaner diligence. Most likely exit: strategic trade sale (48/100).
Refinance opportunity
87 live charges · 56 lenders · oldest 44.4y
Structure is too messy for a clean refinance right now — clean up first or expect bespoke terms.
- · Oldest live charge is 44.4 years old — likely at or near maturity.
- · 56 lenders named — inter-creditor friction likely.
- · Legal-friction score 55/100 (high).
Data confidence
Overall: medium (61/100)Adequate coverage. AI outputs are reliable for the sections scored high; verify the rest in diligence.
Solid opportunity signal. Worth a dedicated memo and management meeting.
Recent activity
- • 1 officers
- • 1 confirmation-statement
- • 1 mortgage
- • 1 officers
- • 1 confirmation-statement
- • 1 mortgage
- • 1 officers
- • 1 confirmation-statement
- • 1 mortgage
Corporate timeline (297 events)Click to expand
- 2026-05-26📄replacement-filing-of-director-appointment-with-nameofficers · RP01AP01
- 2026-05-08📄mortgage-create-with-deed-with-charge-number-charge-creation-datemortgage · MR01
- 2026-05-06🔒Charge registered #90Lender: The Society Incorporated by Lloyd's Act 1871 by the Name of Lloyd's
- 2026-03-19📄accounts-with-accounts-type-groupaccounts · AA
- 2025-11-03📄termination-director-company-with-name-termination-dateofficers · TM01
- 2025-06-30📄mortgage-create-with-deed-with-charge-number-charge-creation-datemortgage · MR01
- 2025-06-23🔒Charge registered #89Lender: The Society Incorporated by Lloyd's Act 1871 by the Name of Lloyd's
- 2025-06-16➕VOGELZANG, Christiaan Franciscus Henricus Herman appointeddirector
- 2025-06-16📄appoint-person-director-company-with-name-dateofficers · AP01
- 2025-04-01📄accounts-with-accounts-type-groupaccounts · AA
- 2025-03-18📄mortgage-create-with-deed-with-charge-number-charge-creation-datemortgage · MR01
- 2025-03-18🔒Charge registered #88Lender: The Society Incorporated by Lloyd's Act 1871 by the Name of Lloyd's
- 2025-03-17📄mortgage-create-with-deed-with-charge-number-charge-creation-datemortgage · MR01
- 2025-03-17📄mortgage-create-with-deed-with-charge-number-charge-creation-datemortgage · MR01
- 2025-03-17📄mortgage-create-with-deed-with-charge-number-charge-creation-datemortgage · MR01
- 2025-03-17📄mortgage-create-with-deed-with-charge-number-charge-creation-datemortgage · MR01
- 2025-03-11🔒Charge registered #87Lender: Kfw as Assignee
- 2025-03-11🔒Charge registered #86Lender: Kfw as Assignee
- 2025-03-11🔒Charge registered #85Lender: Kfw as Assignee
- 2025-03-11🔒Charge registered #84Lender: Kfw as Assignee
- 2024-08-08📄appoint-person-director-company-with-name-dateofficers · AP01
- 2024-08-01➕BOSTOCK, Nathan Mark appointeddirector
- 2024-05-31📄mortgage-create-with-deed-with-charge-number-charge-creation-datemortgage · MR01
- 2024-05-31📄mortgage-create-with-deed-with-charge-number-charge-creation-datemortgage · MR01
- 2024-05-29🔒Charge registered #83Lender: Lloyds Banking Group Pensions Trustees Limited (In Its Capacity as Trustee of Lloyds Bank Pension Scheme No. 2) (and Its Successors in Title and Permitted Transferees)
- 2024-05-29🔒Charge registered #82Lender: Lloyds Banking Group Pensions Trustees Limited (In Its Capacity as Trustee of Lloyds Bank Pension Scheme No. 1) (and Its Successors in Title and Permitted Transferees)
- 2024-05-17📄termination-director-company-with-name-termination-dateofficers · TM01
- 2024-05-17📄termination-director-company-with-name-termination-dateofficers · TM01
- 2024-05-16➖DICKINSON, Alan Peter resigneddirector
- 2024-05-16➖LUPTON, Lord (James Roger Crompton) resigneddirector
- 2024-04-15📄accounts-with-accounts-type-groupaccounts · AA
- 2023-12-01📄mortgage-create-with-deed-with-charge-number-charge-creation-datemortgage · MR01
- 2023-11-28🔒Charge registered #81Lender: The Society Incorporated by Lloyd's Act 1871 by the Name of Lloyd's
- 2023-06-27📄mortgage-create-with-deed-with-charge-number-charge-creation-datemortgage · MR01
- 2023-06-08🔒Charge registered #80Lender: The Bank of New York Mellon
- 2023-04-15📄accounts-with-accounts-type-groupaccounts · AA
- 2022-12-14🔒Charge registered #79Lender: The Society Incorporated by Lloyd's Act 1871 by the Name of Lloyd's
- 2022-11-01➕TURNER, Catherine Lucy appointeddirector
- 2022-05-12➖SINCLAIR, Stuart William resigneddirector
- 2021-11-01➕MEHTA, Harmeen appointeddirector
- 2021-09-30➖PRETTEJOHN, Nicholas Edward Tucker resigneddirector
- 2021-09-28🔒Charge registered #78Lender: The Bank of New York Mellon, London Branch
- 2021-08-16➕NUNN, Charles Alan appointeddirector
- 2021-04-30➖HORTA-OSÓRIO, António Mota De Sousa, Mr. resigneddirector
- 2021-01-06🔒Charge registered #77Lender: Fontwell Ii Securities 2020 Designated Activity Company, Registered Office at 5TH Floor the Exchange, George's Dock, Ifsc, Dublin 1, D01W3P9, Ireland
- 2021-01-01➖BLACKWELL, Lord (Norman Roy) resigneddirector
- 2020-12-02🔒Charge registered #76Lender: The Society Incorporated by Lloyd's Act 1871 by the Name of Lloyd's
- 2020-12-02🔒Charge registered #75Lender: The Society Incorporated by Lloyd's Act 1871 by the Name of Lloyd's
- 2020-10-01➕BUDENBERG, Robin Francis appointeddirector
- 2020-09-30➖HENRY, Simon Peter resigneddirector
Owner dependency
Some founder dependency, but not acute. A structured handover period should cover most risk.
- -13 active directors: Broader management team in place — suggests transferable governance.
- +Founder age: Director aged approximately 70 — succession pressure is live.
Succession & seller-readiness
Multiple signals suggest succession is on the horizon. Candidate for proactive outreach.
- primaryFounder aged 70+: Senior director is approximately 70 years old. Natural succession window is now.
Red flags
1 med · 1 lowMultiple instances where a charge was satisfied and a new charge created within 6 months. Suggests active refinancing cycle.
Heavily leveraged with multiple live security positions — understand the capital structure before proceeding.
Group structure
Lloyds Banking Group Plc is the ultimate parent — holding 75%+ shares. This company sits inside their group.
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 Banking Group 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.
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 · EC postcode area| Company | Est. value | Turnover | Net worth | Staff | Age | Opp | Director |
|---|---|---|---|---|---|---|---|
| 2X IGNITE LIMITED→ 15873885 · est 2024 · no financials extracted | — | — | — | — | 1y | — | — |
| AB RISK SOLUTIONS LTD→ 06826362 · est 2009 · no financials extracted | — | — | — | — | 17y | — | — |
| ABERDEEN CORPORATE FINANCE LIMITED→ 16025827 · est 2024 · no financials extracted | — | — | — | — | 1y | — | — |
| ABERDEEN INFRASTRUCTURE GP II LIMITED→ 09168490 · est 2014 · no financials extracted | — | — | — | — | 11y | — | — |
| ABERDEEN INFRASTRUCTURE II LIMITED→ 09172323 · est 2014 · no financials extracted | — | — | — | — | 11y | — | — |
| ABERDEEN STANDARD EUROPEAN INFRASTRUCTURE GP IV LIMITED→ 13144243 · est 2021 · no financials extracted | — | — | — | — | 5y | — | — |
| ABERFORTH GEARED VALUE & INCOME TRUST PLC→ 15602886 · est 2024 · no financials extracted | — | — | — | — | 2y | — | — |
| ABF CAPITAL LIMITED→ 16359291 · est 2025 · no financials extracted | — | — | — | — | 1y | — | — |
| ABI PENSION TRUSTEE LIMITED→ 17047213 · est 2026 · no financials extracted | — | — | — | — | — | — | — |
| ABIGAIL FINANCE LTD→ 16529900 · est 2025 · no financials extracted | — | — | — | — | — | — | — |
| ABIGAIL FUNDING 1 LTD→ 16547072 · est 2025 · no financials extracted | — | — | — | — | — | — | — |
| ABL ADJUSTING LIMITED→ 01314814 · est 1977 · no financials extracted | — | — | — | — | 48y | — | — |
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 →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
Registered office
Filing status
Officers (14 active · 100 resigned)
Click a director name to see their full track record across all companies.
Mortgages & charges
| Type | Properties | |||||
|---|---|---|---|---|---|---|
| outstanding | The Society by Lloyd's Act 1871 by the Name of Lloyd's / The Trustees (As Defined in the Instrument) / The Beneficiaries (As Defined in the Instrument) / The Premiums Trustees (As Defined in the Instrument) The Society Incorporated by Lloyd's Act 1871 by the Name of Lloyd's / The Trustees (As Defined in the Instrument) / The Beneficiaries (As Defined in the Instrument) / The Premiums Trustees (As Defined in the Instrument) | A registered charge | 1 property | 06/05/2026 | — | |
| outstanding | The Society by Lloyd's Act 1871 by the Name of Lloyd's / The Trustees (As Defined in the Instrument) / The Beneficiaries (As Defined in the Instrument) / The Premiums Trustees (As Defined in the Instrument) The Society Incorporated by Lloyd's Act 1871 by the Name of Lloyd's / The Trustees (As Defined in the Instrument) / The Beneficiaries (As Defined in the Instrument) / The Premiums Trustees (As Defined in the Instrument) | A registered charge | 1 property | 23/06/2025 | — | |
| outstanding | The Society by Lloyd's Act 1871 by the Name of Lloyd's / The Trustees (As Defined in the Instrument) / The Beneficiaries (As Defined in the Instrument) / The Premiums Trustees (As Defined in the Instrument) The Society Incorporated by Lloyd's Act 1871 by the Name of Lloyd's / The Trustees (As Defined in the Instrument) / The Beneficiaries (As Defined in the Instrument) / The Premiums Trustees (As Defined in the Instrument) | A registered charge | 1 property | 18/03/2025 | — | |
| outstanding | Kfw as Assignee | A registered charge | — | 11/03/2025 | — | |
| outstanding | Kfw as Assignee | A registered charge | — | 11/03/2025 | — | |
| outstanding | Kfw as Assignee | A registered charge | — | 11/03/2025 | — | |
| outstanding | Kfw as Assignee | A registered charge | — | 11/03/2025 | — | |
| outstanding | Lloyds Banking Group Lloyds Banking Group Pensions Trustees Limited (In Its Capacity as Trustee of Lloyds Bank Pension Scheme No. 2) (and Its Successors in Title and Permitted Transferees) | A registered charge | 1 property | 29/05/2024 | — | |
| outstanding | Lloyds Banking Group Lloyds Banking Group Pensions Trustees Limited (In Its Capacity as Trustee of Lloyds Bank Pension Scheme No. 1) (and Its Successors in Title and Permitted Transferees) | A registered charge | 1 property | 29/05/2024 | — | |
| outstanding | The Society by Lloyd's Act 1871 by the Name of Lloyd's / The Trustees (As Defined in the Instrument) / The Beneficiaries (As Defined in the Instrument) / The Premiums Trustees (As Defined in the Instrument) The Society Incorporated by Lloyd's Act 1871 by the Name of Lloyd's / The Trustees (As Defined in the Instrument) / The Beneficiaries (As Defined in the Instrument) / The Premiums Trustees (As Defined in the Instrument) | A registered charge | 1 property | 28/11/2023 | — | |
| outstanding | The Bank of New York Mellon | A registered charge | — | 08/06/2023 | — | |
| outstanding | The Society by Lloyd's Act 1871 by the Name of Lloyd's / The Trustees (As Defined in the Instrument) / The Beneficiaries (As Defined in the Instrument) / The Premiums Trustees (As Defined in the Instrument) The Society Incorporated by Lloyd's Act 1871 by the Name of Lloyd's / The Trustees (As Defined in the Instrument) / The Beneficiaries (As Defined in the Instrument) / The Premiums Trustees (As Defined in the Instrument) | A registered charge | 1 property | 14/12/2022 | — | |
| outstanding | The Bank of New York Mellon, London Branch | A registered charge | 1 property | 28/09/2021 | — | |
| outstanding | Fontwell Ii Securities 2020 Designated Activity Company, Registered Office at 5TH Floor the Exchange, George's Dock, Ifsc, Dublin 1, D01W3P9, Ireland | A registered charge | — | 06/01/2021 | — | |
| outstanding | The Society by Lloyd's Act 1871 by the Name of Lloyd's / The Trustees (As Defined in the Instrument) / The Beneficiaries (As Defined in the Instrument) / The Premiums Trustees (As Defined in the Instrument) The Society Incorporated by Lloyd's Act 1871 by the Name of Lloyd's / The Trustees (As Defined in the Instrument) / The Beneficiaries (As Defined in the Instrument) / The Premiums Trustees (As Defined in the Instrument) | A registered charge | 1 property | 02/12/2020 | — | |
| outstanding | The Society by Lloyd's Act 1871 by the Name of Lloyd's / The Trustees (As Defined in the Instrument) / The Beneficiaries (As Defined in the Instrument) / The Premiums Trustees (As Defined in the Instrument) The Society Incorporated by Lloyd's Act 1871 by the Name of Lloyd's / The Trustees (As Defined in the Instrument) / The Beneficiaries (As Defined in the Instrument) / The Premiums Trustees (As Defined in the Instrument) | A registered charge | 1 property | 02/12/2020 | — | |
| outstanding | Wetherby Iii Securities 2019 Designated Activity Company | A registered charge | — | 30/12/2019 | — | |
| outstanding | Housing Association Risk Transfer 2019 Designated Activity Company | A registered charge | — | 18/10/2019 | — | |
| outstanding | Bnp Paribas | A registered charge | — | 08/10/2019 | — | |
| outstanding | Bnp Paribas | A registered charge | — | 18/09/2019 | — | |
| outstanding | Bnp Paribas | A registered charge | — | 01/09/2019 | — | |
| outstanding | Ubs Ag (And Its Successors in Title and Permitted Transferees) | A registered charge | — | 01/09/2019 | — | |
| outstanding | Deutsche Bank Ag | A registered charge | 1 property | 01/09/2019 | — | |
| outstanding | Goldman Sachs International | A registered charge | 1 property | 28/08/2019 | — | |
| outstanding | The Governor and Company of the Bank of England as Security Trustee for the Security Beneficiaries | A registered charge | — | 03/06/2019 | — | |
| satisfied | The Governor and Company of the Bank of England as Security Trustee | A registered charge | — | 01/03/2019 | 16/07/2020 | |
| outstanding | The Governor and Company of the Bank of England as Security Trustee | A registered charge | — | 01/03/2019 | — | |
| outstanding | The Governor and Company of the Bank of England as Security Trustee | A registered charge | — | 01/03/2019 | — | |
| satisfied | The Governor and Company of the Bank of England as Security Trustee | A registered charge | — | 01/02/2019 | 12/06/2019 | |
| outstanding | Wetherby Ii Securities 2018 Designated Activity Company | A registered charge | 1 property | 28/12/2018 | — | |
| outstanding | Cheltenham Securities 2017 Cheltenham Securities 2017 Limited | A registered charge | 1 property | 28/12/2017 | — | |
| outstanding | Wetherby Securities 2017 Wetherby Securities 2017 Limited | A registered charge | 1 property | 21/12/2017 | — | |
| satisfied | The Governor and Company of the Bank of England, Threadneedle Street, London, EC2R 8AH (In Its Capacity as Security Trustee for Itself and the Beneficiaries as Defined in the Attached Deed of Charge to Which This MR01 Relates) | A registered charge | — | 09/10/2017 | 12/06/2019 | |
| outstanding | Scottish Widows Scottish Widows Limited | A registered charge | 1 property | 02/08/2017 | — | |
| outstanding | Fontwell Securities 2016 Fontwell Securities 2016 Limited | A registered charge | — | 22/12/2016 | — | |
| outstanding | Salisbury Ii Securties 2016 Salisbury Ii Securties 2016 Limited | A registered charge | — | 09/12/2016 | — | |
| satisfied | Jarvis New Homes (South East) Jarvis New Homes (South East) Limited | A registered charge | 1 property | 24/06/2016 | 05/07/2016 | |
| outstanding | Eurex Clearing Ag | A registered charge | — | 03/06/2016 | — | |
| outstanding | U.S. Bank Trustees (The Trustee) U.S. Bank Trustees Limited (The Trustee) | A registered charge | — | 17/12/2015 | — | |
| outstanding | Kfw | A registered charge | — | 26/11/2015 | — | |
| outstanding | Kfw | A registered charge | — | 26/11/2015 | — | |
| outstanding | Kfw Represented by Kfw Ipex-Bank Gmbh | A registered charge | — | 26/11/2015 | — | |
| outstanding | Kfw Represented by Kfw Ipex-Bank Gmbh | A registered charge | — | 26/11/2015 | — | |
| satisfied | The Governor and Company of the Bank of England (Security Trustee for the Security Beneficiaries) | A registered charge | — | 21/09/2015 | 11/06/2019 | |
| satisfied | The Governor and Company of the Bank of England (Security Trustee for the Security Beneficiaries) | A registered charge | — | 21/09/2015 | 06/03/2019 | |
| outstanding | Aviva Insurance as Secured Party Aviva Insurance Limited as Secured Party | A registered charge | — | 20/02/2015 | — | |
| outstanding | Arkle Funding (No.1) Arkle Funding (No.1) Limited | A registered charge | — | 11/12/2014 | — | |
| outstanding | Lloyds Banking Group The Royal Bank of Scotland PLC | A registered charge | — | 10/12/2014 | — | |
| outstanding | Hart 2014-1 Hart 2014-1 Limited | A registered charge | — | 30/10/2014 | — | |
| outstanding | Eurex Clearing Ag | A registered charge | — | 10/06/2014 | — | |
| outstanding | Bank of America N.A., Acting Through Its London Branch | A registered charge | — | 29/01/2014 | — | |
| outstanding | Euroclear Bank Sa/Nv | A registered charge | 1 property | 21/11/2013 | — | |
| outstanding | The Governor and Company of the Bank of England (As Security Trustee) | A registered charge | 1 property | 20/08/2013 | — | |
| satisfied | Lloyds Banking Group Lloyds Bank Tsb PLC | A registered charge | 1 property | 19/06/2013 | 03/07/2013 | |
| outstanding | The Governor and Company of the Bank of England (As Security Trustee for the Security Beneficiaries) | Deed of charge | 1 property | 08/01/2013 | — | |
| outstanding | The Governor and Company of the Bank of England (As Security Trustee for the Security Beneficiaries) | Deed of charge | 1 property | 14/06/2012 | — | |
| outstanding | The Governor and Company of the Bank of England (As Security Trustee for the Security Beneficiaries) | Deed of charge | 1 property | 14/06/2012 | — | |
| outstanding | Kfw | Supplemental deed of assignment | 1 property | 03/05/2012 | — | |
| outstanding | Kfw | Supplemental deed of assignment | 1 property | 03/05/2012 | — | |
| outstanding | Kfw Ipex-Bank Gmbh | Supplemental deed of assignment | 1 property | 15/12/2011 | — | |
| outstanding | Kfw Ipex-Bank Gmbh | Supplemental deed of assignment | 1 property | 15/12/2011 | — | |
| outstanding | Citibank N.A., London Branch | Deed | 1 property | 08/09/2011 | — | |
| satisfied | Morgan Stanley Bank International Morgan Stanley Bank International Limited | Security agreement | 1 property | 01/04/2011 | 29/04/2013 | |
| outstanding | Kfw | Assignment deed | 1 property | 28/02/2011 | — | |
| outstanding | Lloyds Banking Group Lloyds Tsb Bank PLC | Security assignment | 2 properties | 21/12/2010 | — | |
| outstanding | Lloyds Banking Group Lloyds Tsb Bank PLC | Security assignment | 2 properties | 21/12/2010 | — | |
| outstanding | Kfw | Assignment deed | 1 property | 17/12/2010 | — | |
| outstanding | Ubs Ag, London Branch (The "Secured Party") | A security deed | 2 properties | 01/12/2010 | — | |
| outstanding | Lloyds Banking Group Lloyds Tsb Bank PLC (As Security Trustee), Barclays Bank PLC, Commonwealth Bank of Australia & Lloyds Tsb General Leasing (No.8) Limited | Intercreditor deed | 1 property | 24/02/2010 | — | |
| outstanding | Goldman Sachs International | Security agreement | 1 property | 10/02/2010 | — | |
| outstanding | The Governor and Company of the Bank of England (As Security Trustee for the Security Beneficiaries) | Deed of charge | 1 property | 25/03/2009 | — | |
| outstanding | Kfw | An assignment deed | 1 property | 19/12/2008 | — | |
| outstanding | Kfw | An assignment deed | 1 property | 19/12/2008 | — | |
| outstanding | Banco De Espana | A pledge which was executed outside the united kingdom over property situated there | 1 property | 18/02/2008 | — | |
| outstanding | The Governor and Company of the Bank of England (As Security Trustee for the Securitybeneficiaries) | Deed of charge | 1 property | 23/05/2005 | — | |
| satisfied | Nationwide Nationwide Building Society | Legal charge | 1 property | 18/10/2002 | 24/03/2006 | |
| satisfied | Federal Reserve Bank of New York | Lending agreement | 1 property | 18/06/1999 | 23/03/2019 | |
| satisfied | Lloyds Banking Group The Governor and Company of the Bank of Scotland | Sub-charge | 2 properties | 31/03/1999 | 25/08/1999 | |
| outstanding | Abe Clearing S.A.S. a Capital Variable(As Agent for the Initial Assignees (as Defined)) | Security agreement | 1 property | 04/12/1998 | — | |
| satisfied | Federal Reserve Bank of New York / Federal Reserve Bank of Atlanta / Any Other Federal Reserve Bank in the United States | Foreign banking institution account agreement which was created outside the U.K. comprising of property within the U.K. | 1 property | 27/07/1998 | 23/03/2019 | |
| satisfied | Lloyds Banking Group Federal Reserve Bank of Atlanta or Any Other Federal Reserve Bank to Lloyds Bank PLC | Lending agreement | 1 property | 12/02/1998 | 23/03/2019 | |
| outstanding | Morgan Guarantee Trust Company of New York | Collateral agreement | 1 property | 23/09/1997 | — | |
| satisfied | Federal Reserve Bank of Atlanta | Continuing lending agreement | 1 property | 04/08/1997 | 23/02/1998 | |
| satisfied | The Governor and Company of the Bank of England (The "Bank") and the Other Companies as Defined | Master ecu collateral charge agreement | 1 property | 26/11/1992 | 06/03/2000 | |
| satisfied | Lloyds Banking Group Lloyds Bank PLC | Legal charge | 1 property | 15/07/1985 | 17/06/1993 | |
| satisfied | Schroder Life Assurance Schroder Life Assurance Limited | Deed of charge | 1 property | 22/06/1984 | 05/12/1984 | |
| satisfied | Watneys Southern Watneys Southern Limited | Legal charge | 1 property | 23/12/1981 | 20/08/1982 |