GOVERNOR AND COMPANY OF THE BANK OF IRELAND

🌳Matureactive

FC007248 · oversea-company · incorporated 1971-11-29

Investment thesis

Looks cheap but ownership + security both unclear — probable value trap.

Why interesting: Headline metrics may be attractive.

Why risky: No PSC visibility combined with multiple live charges; transacting likely slow and expensive.

🔒Estimated value

—

Upgrade to see

Turnover

—

not disclosed

Net worth

—

book net assets

Opportunity

78/100

Strong

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Investor take

Pursue

Strong opportunity: active trading company with strong profile and acceptable with review structure.

Opportunity 78/100 (strong), bankability 67/100. Share purchase looks the cleaner deal structure. Biggest value-creation lever: Consolidate lender relationships. 3 distinct lenders creates friction — refinance into single-lender structure for cleaner diligence. Most likely exit: share sale to pe / searcher (45/100).

🏦

Refinance opportunity

3 live charges · 3 lenders · oldest 20.3y

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 20.3 years old — likely at or near maturity.
· 3 lenders named — inter-creditor friction likely.
· Legal-friction score 48/100 (high).

Data confidence

Overall: low (50/100)

Sparse data coverage. Treat AI-generated outputs as preliminary. Manual diligence essential.

Company profile

no address, no SIC, incorporation date

Financials

No iXBRL financials extracted

Lenders & charges

3 charges (3/3 with lender, 3/3 with type)

Directors & officers

71 officers (12 active, 71 linked, 67 with DOB)

Ownership & PSC

No PSCs filed (unusual — worth investigating)

Director network

10 connected companies via shared directors

Filing history

461 filings on record

Gazette notices

No matching gazette notices (standard for active companies)

Opportunity Score

78/100Strong

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

Good data coverage for analysis.

Recent activity

Last 30 days

filings

Last 90 days

filings

• 2 officers

Last 180 days

filings

• 2 officers

Counts from Companies House filing history.

Corporate timeline (160 events)Click to expand

2026-04-23
📄
termination-person-director-overseas-company-with-name-termination-date
officers · OSTM01
2026-03-31
➖
GOULDING, Richard Frank resigned
director
2026-03-18
📄
appoint-person-director-overseas-company-with-name-appointment-date
officers · OSAP01
2025-10-10
➕
VAN DER NOORDAA, Hans appointed
director
2025-08-07
📄
appoint-person-director-overseas-company-with-name-appointment-date
officers · OSAP01
2025-07-28
📄
accounts-with-accounts-type-group
accounts · AA
2025-07-24
📄
appoint-person-director-overseas-company-with-name-appointment-date
officers · OSAP01
2025-07-09
➕
FINNAN, Emer appointed
director
2025-06-23
➕
MARSHALL, Niamh appointed
director
2025-06-05
📄
termination-person-director-overseas-company-with-name-termination-date
officers · OSTM01
2025-05-22
➖
FITZPATRICK, Eileen resigned
director
2025-05-16
📄
change-person-director-overseas-company-with-change-date
officers · OSCH03
2025-03-13
📄
termination-person-director-overseas-company-with-name-termination-date
officers · OSTM01
2025-03-13
📄
termination-person-director-overseas-company-with-name-termination-date
officers · OSTM01
2024-12-31
➖
BOURKE, Evelyn Brigid resigned
director
2024-12-31
➖
KENNEDY, Patrick Thomas resigned
director
2024-06-28
📄
accounts-with-accounts-type-group
accounts · AA
2024-04-23
📄
appoint-person-director-overseas-company-with-name-appointment-date
officers · OSAP01
2024-01-12
➕
BHARGAVA, Akshaya appointed
director
2023-12-07
📄
appoint-person-director-overseas-company-with-name-appointment-date
officers · OSAP01
2023-11-06
📄
termination-person-director-overseas-company-with-name-termination-date
officers · OSTM01
2023-10-01
➕
SWEENEY, Margaret appointed
director
2023-09-30
➖
MULDOON, Fiona resigned
director
2023-08-24
📄
accounts-with-accounts-type-group
accounts · AA
2023-05-16
📄
accounts-with-accounts-type-group
accounts · AA
2023-03-29
📄
termination-person-director-overseas-company-with-name-termination-date
officers · OSTM01
2023-03-14
📄
appoint-person-director-overseas-company-with-name-appointment-date
officers · OSAP01
2023-03-14
📄
appoint-person-director-overseas-company-with-name-appointment-date
officers · OSAP01
2023-03-14
📄
termination-person-director-overseas-company-with-name-termination-date
officers · OSTM01
2022-11-17
➕
O'GRADY, Myles appointed
director
2022-11-17
➖
KELLY, Gavin resigned
director
2022-09-03
➕
KELLY, Gavin appointed
director
2022-09-02
➖
MCDONAGH, Francesca Jane resigned
director
2022-08-22
📄
appoint-person-director-overseas-company-with-name-appointment-date
officers · OSAP01
2022-08-22
📄
termination-person-director-overseas-company-with-name-termination-date
officers · OSTM01
2022-03-31
➕
SPAIN, Mark Joseph appointed
director
2022-03-31
➖
O'GRADY, Myles resigned
director
2021-06-23
📄
accounts-with-accounts-type-group
accounts · AA
2021-06-03
📄
appoint-person-director-overseas-company-with-name-appointment-date
officers · OSAP01
2021-02-16
📄
termination-person-director-overseas-company-with-name-termination-date
officers · OSTM01
2021-02-16
📄
termination-person-director-overseas-company-with-name-termination-date
officers · OSTM01
2020-12-31
➖
HAREN, Patrick Hugh resigned
director
2020-12-31
➖
MULVIHILL, Patrick resigned
director
2020-11-17
➕
ANDREWS, Giles Edward Charles appointed
director
2020-01-15
➕
O'GRADY, Myles appointed
director
2019-12-05
➕
GREENE, Michele appointed
director
2019-10-18
➖
KEATING, Andrew George resigned
director
2019-09-18
➕
MCLAUGHLIN, Sarah appointed
secretary
2019-09-18
➖
GRAY, Peter resigned
secretary
2019-07-31
➕
GRAY, Peter appointed
secretary

Showing most recent 50 of 160 events

Owner dependency

55/100

Moderate — manageable with handover

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

FACTORS

-11 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

clean

No red flags detected from available public data. (This is not a clean bill of health — detailed accounts review still recommended.)

🔒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 →

🔒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.

See pricing →

Company details

Statusactive

Typeoversea-company

Incorporated1971-11-29

Jurisdictionunited-kingdom

Primary SIC—

Registered office

Not provided

Filing status

Accounts

Next due: —

Last made up to: 2024-12-31

Confirmation statement

Next due: —

Last: —