BANK AND CLIENTS PLC
⚰️Wound downdissolved
00980698 · plc · incorporated 1970-05-28
Investment thesis
Company dissolved — not a live target.
Why interesting: Historical record only; useful for precedent research.
Why risky: Not transactable.
Opportunity decay
approaching window · 12-months
Approaching a transaction window — refinance or sale event plausible in the next 12 months.
- · Oldest live charge 17.9y old — refinance window within 12 months
🔒Estimated value
—
Upgrade to see
Turnover
—
not disclosed
Net worth
—
book net assets
Opportunity
46/100
Watch
What this business does
Primary activity: Banks
Sector: Financial & insurance
Investor take
Pass (distressed without resilience)Distressed unclear — structural issues outweigh the discount.
Opportunity 46/100 (watch), bankability 60/100. High owner-dependency — earn-out structure likely required for clean transition. Biggest value-creation lever: Resolve: Company dissolved. Company has been dissolved — it no longer legally exists. Any diligence here is historical only. Most likely exit: refinance and hold (35/100). Current lenders should be on monthly review.
🏦
Refinance opportunity
1 live charge · oldest 17.9y
55/100
too messy
Structure is too messy for a clean refinance right now — clean up first or expect bespoke terms.
- · Oldest live charge is 17.9 years old — likely at or near maturity.
- · Single lender — cleanest path to refinance.
- · Legal-friction score 48/100 (high).
Data confidence
Overall: medium (55/100)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
62 officers (1 active, 62 linked, 55 with DOB)
88
Ownership & PSC
0 active PSC(s) of 2 total, 2 with control declared
90
Director network
Network not yet resolved
30
Filing history
298 filings on record
85
Gazette notices
No matching gazette notices (standard for active companies)
60
Opportunity Score
46/100Watch
PassWatchWorth a lookStrongExceptional
Not actionable now, but monitor — distressed, succession, or structural changes could flip this into a real opportunity.
Business quality
10
Concerning — overdue filings or status flags present.
Acquirability
55
Some acquirability indicators.
Risk profile
49
Multiple red flags — proceed with caution.
Signal strength
100
Good data coverage for analysis.
Recent activity
Last 30 days
0
filings
Last 90 days
0
filings
Last 180 days
0
filings
Counts from Companies House filing history.
Corporate timeline (127 events)Click to expand
- 2025-04-04⚠️gazette-dissolved-liquidationgazette · GAZ2
- 2025-04-04🏁Company dissolved
- 2025-01-04⚠️liquidation-voluntary-members-return-of-final-meetinginsolvency · LIQ13
- 2024-04-13📄termination-secretary-company-with-name-termination-dateofficers · TM02
- 2024-04-13📄termination-director-company-with-name-termination-dateofficers · TM01
- 2024-04-13📄termination-director-company-with-name-termination-dateofficers · TM01
- 2024-04-13📄termination-director-company-with-name-termination-dateofficers · TM01
- 2024-04-13📄termination-director-company-with-name-termination-dateofficers · TM01
- 2024-04-13📄termination-director-company-with-name-termination-dateofficers · TM01
- 2024-03-18➖KINGSBURY, Georgina Mary resignedsecretary
- 2024-03-18➖BARLOW, Roger William resigneddirector
- 2024-03-18➖COLL, Nicole resigneddirector
- 2024-03-18➖KINGSBURY, Georgina Mary resigneddirector
- 2024-03-18➖STRATHCLYDE, Thomas Dunlop Galloway De Roy De Blicquy Galbraith, Lord resigneddirector
- 2024-03-18➖WARD, Anthony John resigneddirector
- 2024-02-22⚠️liquidation-voluntary-statement-of-receipts-and-payments-with-brought-down-dateinsolvency · LIQ03
- 2023-02-27⚠️liquidation-voluntary-statement-of-receipts-and-payments-with-brought-down-dateinsolvency · LIQ03
- 2022-01-12⚠️liquidation-voluntary-declaration-of-solvencyinsolvency · LIQ01
- 2022-01-08📄resolutionresolution · RESOLUTIONS
- 2022-01-08⚠️liquidation-voluntary-appointment-of-liquidatorinsolvency · 600
- 2021-11-16📍change-registered-office-address-company-with-date-old-address-new-addressaddress · AD01
- 2021-09-08📄cessation-of-a-person-with-significant-controlpersons-with-significant-control · PSC07
- 2021-07-07📄accounts-with-accounts-type-fullaccounts · AA
- 2021-02-24➕KINGSBURY, Georgina Mary appointeddirector
- 2021-02-24📄change-person-director-company-with-change-dateofficers · CH01
- 2021-02-24📄change-person-secretary-company-with-change-dateofficers · CH03
- 2021-02-24📄appoint-person-director-company-with-name-dateofficers · AP01
- 2021-02-04📄accounts-with-accounts-type-fullaccounts · AA
- 2021-02-02➖BRIDEL, Claire Marie Michel resigneddirector
- 2021-02-02📄termination-director-company-with-name-termination-dateofficers · TM01
- 2021-02-01📄termination-director-company-with-name-termination-dateofficers · TM01
- 2021-02-01📄termination-director-company-with-name-termination-dateofficers · TM01
- 2021-01-31➖BRIDEL, Edouard resigneddirector
- 2020-12-31➖CHARNLEY, William Francis resigneddirector
- 2020-12-31➖MCCORMICK, Karen Elizabeth resigneddirector
- 2019-07-09➕LORINET, Pierre Andre Jacques appointeddirector
- 2018-02-20➖ERRAZURIZ, Pedro Miguel Raul Marie resigneddirector
- 2018-01-05➖CHARNLEY, William resignedsecretary
- 2018-01-05➕KINGSBURY, Georgina Mary appointedsecretary
- 2018-01-05➕MCCORMICK, Karen Elizabeth appointeddirector
- 2018-01-05➕WARD, Anthony John appointeddirector
- 2017-12-31➖FRANKLIN, Peter Morris resigneddirector
- 2017-12-31➖JEFFREY, Richard Stephen resigneddirector
- 2017-12-31➖STEVENS, Andrew David resigneddirector
- 2016-08-05🔓Charge satisfied #1
- 2016-05-17➖HUGHES, Graham John resigneddirector
- 2016-04-07➕BARLOW, Roger William appointeddirector
- 2016-04-07➕BRIDEL, Edouard appointeddirector
- 2016-04-07➖FLOCKHART, Alexander Andrew resigneddirector
- 2016-04-07➕STRATHCLYDE, Thomas Dunlop Galloway De Roy De Blicquy Galbraith, Lord appointeddirector
Showing most recent 50 of 127 events
Owner dependency
75/100
High — earn-out structure requiredMaterial founder dependency. Consider a 2-3 year earn-out and build in a handover plan before completion.
FACTORS
- +Sole director: Only one active director — all governance concentrated on one person.
Succession & seller-readiness
55/100
Strong succession signalMultiple signals suggest succession is on the horizon. Candidate for proactive outreach.
SIGNALS
- primarySole active director: Only one director in control. No visible successor — buyers solve the succession problem.
- secondaryStable-but-static management: Company is 56 years old and no new directors in the last 3 years — succession not yet being planned internally.
Red flags
2 high ·Company dissolved
highCompany has been dissolved — it no longer legally exists. Any diligence here is historical only.
Evidence: Dissolved on 2025-04-04
6 insolvency-related filings on record
highFilings relating to insolvency, liquidation, or administration exist in the company's history. Review before proceeding.
Evidence: 2025-04-04: gazette-dissolved-liquidation; 2025-01-04: liquidation-voluntary-members-return-of-final-meeting
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Peers ranked by estimated value, then turnover, then opportunity score.See all →
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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
Statusdissolved
Typeplc
Incorporated1970-05-28
Jurisdictionengland-wales
Primary SIC64191 — Banks
Registered office
Ship Canal House 5th Floor
98 King Street
Manchester
M2 4WU
England
Filing status
Accounts
Next due: —
Last made up to: 2020-12-31
Confirmation statement
Next due: —
Last: 2024-06-03
Officers (0 active · 61 resigned)
LORINET, Pierre Andre Jacques→
Activedirector · ~54y · appointed 2019-07-09
View their other companies + combined net worth →
CHARNLEY, William→
Resignedsecretary · appointed 2014-12-10 · resigned 2018-01-05
FITZPATRICK, Jasan→
Resignedsecretary · appointed 2012-01-25 · resigned 2012-05-23
GERRARD, Barry Alexander Ralph→
Resignedsecretary · appointed 2010-01-27 · resigned 2012-01-25
HUGHES, Graham John→
Resignedsecretary · resigned 2010-01-27
KINGSBURY, Georgina Mary→
Resignedsecretary · appointed 2018-01-05 · resigned 2024-03-18
MARSHALL, Katie Jane→
Resignedsecretary · appointed 2013-09-26 · resigned 2014-11-30
PEARSON, William Stephen→
Resignedsecretary · appointed 2012-05-23 · resigned 2013-09-26
ALLEN, Stuart Roland→
Resigneddirector · ~70y · resigned 1997-01-08
BAINES, Michael George Coriat Talbot→
Resigneddirector · ~74y · appointed 2001-02-21 · resigned 2010-01-27
BAKER, Stephen George Bowron→
Resigneddirector · ~97y · resigned 1994-12-31
BARLOW, Roger William→
Resigneddirector · ~72y · appointed 2016-04-07 · resigned 2024-03-18
BATTEN, David Henry Cary→
Resigneddirector · ~74y · resigned 2010-01-27
BATTEN, William Henry→
Resigneddirector · ~100y · resigned 1994-12-31
BAYLISS, Peter Derek→
Resigneddirector · ~66y · appointed 1991-05-13 · resigned 1997-01-08
BELL, David Macmillan→
Resigneddirector · ~83y · appointed 1991-05-13 · resigned 1997-01-08
BLACKMORE, Michael Robert→
Resigneddirector · ~78y · resigned 1997-01-08
BRIDEL, Claire Marie Michel→
Resigneddirector · ~58y · appointed 2014-11-30 · resigned 2021-02-02
BRIDEL, Edouard→
Resigneddirector · ~57y · appointed 2016-04-07 · resigned 2021-01-31
BURNS, Rosemary→
Resigneddirector · ~95y · resigned 1997-01-08
Click a director name to see their full track record across all companies.
Mortgages & charges
1
Total charges
0
Outstanding
0
Active lenders
Status:Lender:1 of 1 shown
| Type | Properties | |||||
|---|---|---|---|---|---|---|
| satisfied | William Danby Christopher and Raymond Martin Edwards | Clawback legal charge | 1 property | 26/06/2008 | 05/08/2016 |
Recent filings (298 total)
gazette-dissolved-liquidation
gazette · GAZ2
2025-04-04
liquidation-voluntary-members-return-of-final-meeting
insolvency · LIQ13
2025-01-04
confirmation-statement-with-updates
confirmation-statement · CS01
2024-06-25
termination-secretary-company-with-name-termination-date
officers · TM02
2024-04-13
termination-director-company-with-name-termination-date
officers · TM01
2024-04-13
termination-director-company-with-name-termination-date
officers · TM01
2024-04-13
termination-director-company-with-name-termination-date
officers · TM01
2024-04-13
termination-director-company-with-name-termination-date
officers · TM01
2024-04-13
termination-director-company-with-name-termination-date
officers · TM01
2024-04-13
liquidation-voluntary-statement-of-receipts-and-payments-with-brought-down-date
insolvency · LIQ03
2024-02-22
liquidation-voluntary-statement-of-receipts-and-payments-with-brought-down-date
insolvency · LIQ03
2023-02-27
liquidation-voluntary-declaration-of-solvency
insolvency · LIQ01
2022-01-12
resolution
resolution · RESOLUTIONS
2022-01-08
liquidation-voluntary-appointment-of-liquidator
insolvency · 600
2022-01-08
change-registered-office-address-company-with-date-old-address-new-address
address · AD01
2021-11-16