THE CO-OPERATIVE BANK P.L.C.
🌳Matureactive
00990937 · plc · incorporated 1970-10-05
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
70/100
Strong
What this business does
Primary activity: Banks
Sector: Financial & insurance
Investor take
PursueActive trading company with a 72-year-old founder — textbook succession opportunity.
Opportunity 70/100 (strong), bankability 57/100. Strong seller-intent signal (63/100, director aged 72). Biggest value-creation lever: Consolidate lender relationships. 16 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 · 16 lenders · oldest 30.4y
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 30.4 years old — likely at or near maturity.
- · 16 lenders named — inter-creditor friction likely.
- · Legal-friction score 63/100 (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
0
Lenders & charges
29 charges (29/29 with lender, 29/29 with type)
90
Directors & officers
100 officers (10 active, 100 linked, 94 with DOB)
89
Ownership & PSC
1 active PSC(s) of 2 total, 2 with control declared
90
Director network
2 connected companies via shared directors
51
Filing history
574 filings on record
85
Gazette notices
No matching gazette notices (standard for active companies)
60
Opportunity Score
70/100Strong
PassWatchWorth a lookStrongExceptional
Solid opportunity signal. Worth a dedicated memo and management meeting.
Business quality
60
Adequate — check latest filings for context.
Acquirability
70
Strong succession / seller-readiness signals.
Risk profile
66
Some moderate concerns — review flags.
Signal strength
100
Good data coverage for analysis.
Recent activity
Last 30 days
1
filing
- • 1 officers
Last 90 days
2
filings
- • 2 officers
Last 180 days
2
filings
- • 2 officers
Counts from Companies House filing history.
Corporate timeline (236 events)Click to expand
- 2026-04-24📄termination-director-company-with-name-termination-dateofficers · TM01
- 2026-04-13➖HIOM, Richard Michael resigneddirector
- 2026-03-26📄appoint-person-director-company-with-name-dateofficers · AP01
- 2026-03-23➕RAYBOULD, Lee John appointeddirector
- 2025-08-15📄legacymiscellaneous · ANNOTATION
- 2025-08-15📄legacymiscellaneous · ANNOTATION
- 2025-08-08📄appoint-person-director-company-with-name-dateofficers · AP01
- 2025-08-01➕HUGHES, Stephen James appointeddirector
- 2025-06-04📄appoint-person-director-company-with-name-dateofficers · AP01
- 2025-06-03📄termination-director-company-with-name-termination-dateofficers · TM01
- 2025-06-02➕MELVILLE, Andrea appointeddirector
- 2025-06-02➖HUGHES, Stephen James resigneddirector
- 2025-04-11📄mortgage-satisfy-charge-fullmortgage · MR04
- 2025-04-11🔓Charge satisfied #31
- 2025-04-04📄termination-director-company-with-name-termination-dateofficers · TM01
- 2025-04-04📄appoint-person-director-company-with-name-dateofficers · AP01
- 2025-04-01➕HIOM, Richard Michael appointeddirector
- 2025-03-31➖BRITNELL, Louise Jeanette resigneddirector
- 2025-03-19📄accounts-with-accounts-type-groupaccounts · AA
- 2025-03-10📄termination-director-company-with-name-termination-dateofficers · TM01
- 2025-03-07➖CLUTTERBUCK, Fiona Jane resigneddirector
- 2025-02-25📄resolutionresolution · RESOLUTIONS
- 2025-02-25📄memorandum-articlesincorporation · MA
- 2025-02-13➖SLAPE, Nicholas Stuart resigneddirector
- 2025-02-13📄termination-director-company-with-name-termination-dateofficers · TM01
- 2025-01-14📄appoint-person-director-company-with-name-dateofficers · AP01
- 2025-01-14📄appoint-person-director-company-with-name-dateofficers · AP01
- 2025-01-10📄appoint-person-director-company-with-name-dateofficers · AP01
- 2025-01-10📄appoint-person-director-company-with-name-dateofficers · AP01
- 2025-01-10📄appoint-person-director-company-with-name-dateofficers · AP01
- 2025-01-10📄appoint-person-director-company-with-name-dateofficers · AP01
- 2025-01-09📄termination-director-company-with-name-termination-dateofficers · TM01
- 2025-01-09📄termination-director-company-with-name-termination-dateofficers · TM01
- 2025-01-09📄termination-director-company-with-name-termination-dateofficers · TM01
- 2025-01-01➕AMIRI, Iraj appointeddirector
- 2025-01-01➕KENRICK, Joanne Louise appointeddirector
- 2025-01-01➕MARSH, Caroline Suzanne appointeddirector
- 2025-01-01➕O'CONNOR, Brendan John appointeddirector
- 2025-01-01➕STEWART, Martin Alastair appointeddirector
- 2025-01-01➖DENCH, Robert Graham resigneddirector
- 2025-01-01➖GRIGG, Edward Sebastian resigneddirector
- 2025-01-01➖HARRIS, Susan Elizabeth resigneddirector
- 2025-01-01➕HUGHES, Stephen James appointeddirector
- 2025-01-01➖SINGH, Ranjit resigneddirector
- 2025-01-01➖SLIMMON, Richard James resigneddirector
- 2025-01-01➖SMITH, Glyn Michael resigneddirector
- 2024-08-28🔒Charge registered #31Lender: Hsbc Bank PLC
- 2024-06-18🔒Charge registered #30Lender: Britannia Pension Trustees Limited
- 2023-09-01➕PARKER, Mark Ashley appointeddirector
- 2023-04-17➕CLUTTERBUCK, Fiona Jane appointeddirector
Showing most recent 50 of 236 events
Owner dependency
55/100
Moderate — manageable with handoverSome founder dependency, but not acute. A structured handover period should cover most risk.
FACTORS
- -9 active directors: Broader management team in place — suggests transferable governance.
- +Founder age: Director aged approximately 72 — succession pressure is live.
Succession & seller-readiness
60/100
Strong succession signalMultiple signals suggest succession is on the horizon. Candidate for proactive outreach.
SIGNALS
- primaryFounder aged 70+: Senior director is approximately 72 years old. Natural succession window is now.
Red flags
2 med · 1 low2 director resignations in last 12 months
mediumMultiple recent departures can indicate governance disagreement, succession event, or preparation for sale/stress.
Evidence: HIOM, Richard Michael resigned 2026-04-13; HUGHES, Stephen James resigned 2025-06-02
Charge satisfaction-then-recreation pattern
mediumMultiple instances where a charge was satisfied and a new charge created within 6 months. Suggests active refinancing cycle.
23 live charges
lowHeavily leveraged with multiple live security positions — understand the capital structure before proceeding.
Group structure
The Co-Operative Bank Finance P.L.C is the ultimate parent — holding 75%+ shares. This company sits inside their group.
🏛️ultimate parent
The Co-Operative Bank Finance P.L.C
Corporate parent · holds 75-100% shares
⬇
THE CO-OPERATIVE BANK P.L.C.
This company · 00990937
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 |
|---|---|---|---|---|
The Co-Operative Bank Finance P.L.C Corporate entity | 75–100% | 75–100% | 75-100% shares · 75-100% voting | 11/02/2019 |
1 historic (ceased) PSC
- The Co-Operative Bank Holdings Limitedceased 11/02/2019· 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 →Similar companies
Active · Financial services · M postcode area| Company | Est. value | Turnover | Net worth | Staff | Age | Opp | Director |
|---|---|---|---|---|---|---|---|
| 101 FACILITATOR LIMITED→ 06825465 · est 2009 · no financials extracted | — | — | — | — | 17y | — | — |
| 11998391 LTD.→ 11998391 · est 2019 · no financials extracted | — | — | — | — | 6y | — | — |
| 123456 LIMITED→ 16398951 · est 2025 · no financials extracted | — | — | — | — | — | — | — |
| 123456 TEE LIMITED→ 16551262 · est 2025 · no financials extracted | — | — | — | — | — | — | — |
| 1401 CAPITAL LIMITED→ 11264494 · est 2018 · no financials extracted | — | — | — | — | 8y | — | — |
| 216 FINANCE LIMITED→ 14953079 · est 2023 · no financials extracted | — | — | — | — | 2y | — | — |
| 22 PROPERTY LTD→ 13988878 · est 2022 · no financials extracted | — | — | — | — | 4y | — | — |
| 3 SINHA'S INVESTMENTS LTD→ 12641048 · est 2020 · no financials extracted | — | — | — | — | 5y | — | — |
| 333H LTD→ 08805365 · est 2013 · no financials extracted | — | — | — | — | 12y | — | — |
| 3JA HOLDINGS LTD→ 15169176 · est 2023 · no financials extracted | — | — | — | — | 2y | — | — |
| 3RD MARCH LIMITED→ 14191004 · est 2022 · no financials extracted | — | — | — | — | 3y | — | — |
| 4521 LTD→ 16433605 · est 2025 · no financials extracted | — | — | — | — | — | — | — |
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.
See pricing →Company details
Statusactive
Typeplc
Incorporated1970-10-05
Jurisdictionengland-wales
Primary SIC64191 — Banks
Registered office
1 Balloon Street
Manchester
M4 4BE
United Kingdom
Filing status
Accounts
Next due: 2026-06-30
Last made up to: 2024-12-31
Confirmation statement
Next due: 2026-06-15
Last: 2025-06-01
Officers (10 active · 106 resigned)
GREEN, Catherine Elizabeth→
Activesecretary · appointed 2020-04-06
View their other companies + combined net worth →
Active
HUGHES, Stephen James→
Activedirector · ~54y · appointed 2025-08-01
View their other companies + combined net worth →
KENRICK, Joanne Louise→
Activedirector · ~60y · appointed 2025-01-01
View their other companies + combined net worth →
MARSH, Caroline Suzanne→
Activedirector · ~63y · appointed 2025-01-01
View their other companies + combined net worth →
MELVILLE, Andrea→
Activedirector · ~50y · appointed 2025-06-02
View their other companies + combined net worth →
O'CONNOR, Brendan John→
Activedirector · ~61y · appointed 2025-01-01
View their other companies + combined net worth →
PARKER, Mark Ashley→
Activedirector · ~61y · appointed 2023-09-01
View their other companies + combined net worth →
RAYBOULD, Lee John→
Activedirector · ~53y · appointed 2026-03-23
View their other companies + combined net worth →
STEWART, Martin Alastair→
Activedirector · ~60y · appointed 2025-01-01
View their other companies + combined net worth →
BAGLEY, David William John→
Resignedsecretary · appointed 2017-10-06 · resigned 2020-04-05
BANCROFT, Kathrine Jane→
Resignedsecretary · appointed 2013-10-09 · resigned 2013-12-02
JONES, Roger Kenneth→
Resignedsecretary · resigned 1996-04-04
LEES, Moira Ann→
Resignedsecretary · appointed 1996-04-04 · resigned 2013-10-09
MCKEOWN, Brona Rose→
Resignedsecretary · appointed 2013-12-02 · resigned 2017-10-06
AGAR, Tom→
Resigneddirector · ~95y · resigned 1996-05-19
ANDERSON, David→
Resigneddirector · ~71y · appointed 2005-06-01 · resigned 2009-07-31
ARLOW, Alexander→
Resigneddirector · ~98y · resigned 1993-05-16
ASHER, Alistair Hugh→
Resigneddirector · ~71y · appointed 2016-09-12 · resigned 2017-09-01
ASHER, Alistair Hugh→
Resigneddirector · ~71y · appointed 2013-12-31 · resigned 2014-03-24
Click a director name to see their full track record across all companies.
Mortgages & charges
29
Total charges
23
Outstanding
12
Active lenders
Status:Lender:29 of 29 shown
| Type | Properties | |||||
|---|---|---|---|---|---|---|
| satisfied | HSBC Hsbc Bank PLC | A registered charge | 1 property | 28/08/2024 | 11/04/2025 | |
| outstanding | Britannia Pension Trustees Britannia Pension Trustees Limited | A registered charge | — | 18/06/2024 | — | |
| outstanding | Pace Trustees , 1 Angel Square, Manchester M60 0AG as Trustee (As Defined in the Instrument) Pace Trustees Limited, 1 Angel Square, Manchester M60 0AG as Trustee (As Defined in the Instrument) | A registered charge | — | 18/06/2020 | — | |
| outstanding | The Governor and Company of the Bank of England as Security Trustee for the Security Beneficiaries | A registered charge | — | 03/06/2019 | — | |
| 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 | — | 01/03/2019 | 16/07/2020 | |
| 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 | Pace Trustees (And Its Successors in Title and Permitted Transferees) Pace Trustees Limited (And Its Successors in Title and Permitted Transferees) | A registered charge | — | 06/08/2018 | — | |
| outstanding | Britannia Pension Trustees Britannia Pension Trustees Limited | A registered charge | 1 property | 13/03/2018 | — | |
| satisfied | The Governor and Company of the Bank of England | A registered charge | 1 property | 03/10/2017 | 12/06/2019 | |
| outstanding | Britannia Pension Trustees Britannia Pension Trustees Limited | A registered charge | — | 21/12/2016 | — | |
| 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 Companhy of the Bank of England (Security Trustee for the Security Beneficiaries) | A registered charge | — | 21/09/2015 | 06/03/2019 | |
| outstanding | Lloyds Banking Group The Royal Bank of Scotland PLC | A registered charge | — | 23/12/2014 | — | |
| outstanding | Homeloan Management Homeloan Management Limited | A registered charge | 1 property | 25/02/2014 | — | |
| outstanding | Homeloan Management Homeloan Management Limited | A registered charge | — | 17/01/2014 | — | |
| outstanding | Lloyds Banking Group The Royal Bank of Scotland PLC | A registered charge | 1 property | 02/09/2013 | — | |
| outstanding | Lloyds Banking Group The Royal Bank of Scotland PLC | A registered charge | 1 property | 02/09/2013 | — | |
| outstanding | Lloyds Banking Group The Royal Bank of Scotland PLC | A registered charge | 1 property | 02/09/2013 | — | |
| outstanding | The Governor and Company of the Bank of England (As Security Trustee) | A registered charge | 1 property | 20/08/2013 | — | |
| 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 | Lloyds Banking Group The Royal Bank of Scotland PLC | Security interest agreement | 1 property | 24/03/2011 | — | |
| 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 | The Governor and Company of the Bank of England (As Security Trustee for the Securitybeneficiaries) | Deed of charge | 1 property | 23/05/2005 | — | |
| outstanding | Morgan Guaranty Trust Company of New York | Collateral agreement | 1 property | 18/04/1996 | — | |
| outstanding | Robert Fleming & Co (The "Security Trustee") Robert Fleming & Co Limited (The "Security Trustee") | Deed of priority | 1 property | 05/12/1995 | — |
Click column headers to sort. Use filters above to narrow by status and lender.
Recent filings (574 total)
termination-director-company-with-name-termination-date
officers · TM01
2026-04-24
appoint-person-director-company-with-name-date
officers · AP01
2026-03-26
legacy
miscellaneous · ANNOTATION
2025-08-15
legacy
miscellaneous · ANNOTATION
2025-08-15
appoint-person-director-company-with-name-date
officers · AP01
2025-08-08
confirmation-statement-with-no-updates
confirmation-statement · CS01
2025-06-13
appoint-person-director-company-with-name-date
officers · AP01
2025-06-04
termination-director-company-with-name-termination-date
officers · TM01
2025-06-03
mortgage-satisfy-charge-full
mortgage · MR04
2025-04-11
termination-director-company-with-name-termination-date
officers · TM01
2025-04-04
appoint-person-director-company-with-name-date
officers · AP01
2025-04-04
accounts-with-accounts-type-group
accounts · AA
2025-03-19
termination-director-company-with-name-termination-date
officers · TM01
2025-03-10
resolution
resolution · RESOLUTIONS
2025-02-25
memorandum-articles
incorporation · MA
2025-02-25