HBOS FINANCIAL SERVICES LIMITED
HBOS FINANCIAL SERVICES LIMITED is a Private limited company (Ltd.) registered in United Kingdom under 03322151, and its current status with Companies House is active. The company was incorporated on 17 February 1997 and lists its registered address as United Kingdom. 1 shareholder is on record for HBOS FINANCIAL SERVICES LIMITED, and since every one of them is a company rather than an individual, this particular filing does not on its own establish an ultimate beneficial owner (UBO) — identifying one would mean tracing the ownership of each shareholding company in turn. This profile is sourced directly from Companies House and was last updated on 5 October 2026.
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Shareholders
1
One shareholder is currently on record for HBOS FINANCIAL SERVICES LIMITED, held on the Confirmation Statement (CS01), filed under the Companies Act 2006.
The largest of these is SCOTTISH WIDOWS FINANCIAL SERVICES HOLDINGS, holding 100% — a majority holding.
Because the shareholder shown is a company rather than an individual, the ownership chain continues above this level, and no beneficial owner can be established from this filing alone.
| Shareholder | Type | Holding | Source Document |
|---|---|---|---|
| SCOTTISH WIDOWS FINANCIAL SERVICES HOLDINGS | 100% | Companies House |
Officers
5
Three of the 5 officer records shown for HBOS FINANCIAL SERVICES LIMITED are current appointments, filed with Companies House. Rachel Messenger (appointed 2024-11-28) and Jacques Bezuidenhout (appointed 2024-11-28) both serve as Director; Karen McKay (appointed 2019-12-31) serves as Company Secretary. The remaining 2 records shown (Ross Gardiner and Sophie Comer) are former appointments that have since been resigned.
The register reports 69 officers in total, including past appointments, though only the 5 most relevant records are shown here.
Management authority at HBOS FINANCIAL SERVICES LIMITED sits with these individuals, not with shareholders, who are covered separately and hold ownership rather than control.
The source filing doesn't specify representation authority — whether officers can act individually or must sign jointly to bind the company — so that detail isn't available here.
Group Structure
HBOS FINANCIAL SERVICES LIMITED sits 3 levels below its ultimate parent, LLOYDS BANKING GROUP PLC, registered in United Kingdom. 2 subsidiaries are recorded beneath it, across 1 jurisdiction. Immediately above HBOS FINANCIAL SERVICES LIMITED is SCOTTISH WIDOWS FINANCIAL SERVICES HOLDINGS, holding 100% as filed in HBOS FINANCIAL SERVICES LIMITED's own shareholder record with Companies House. LLOYDS BANKING GROUP PLC sits further up the chain, a link derived by walking shareholder filings across jurisdictions rather than stated in a single document. Each of these downward relationships is derived rather than filed: resolved by matching entities across the registry network, not stated directly in a single document.
Those 2 subsidiaries span United Kingdom jurisdiction, though this list should not be read as complete — subsidiaries only become visible here where shareholder data has actually been filed with a register, so holdings in jurisdictions without that filing simply won't appear. One of the 2 go a level deeper still, with its own further subsidiaries recorded beneath it — additional ownership layers this view doesn't expand.
LLOYDS BANKING GROUP PLC
United Kingdom
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Frequently Asked Questions
Who owns HBOS FINANCIAL SERVICES LIMITED?
One shareholder is currently on record for HBOS FINANCIAL SERVICES LIMITED, held on the Confirmation Statement (CS01), filed under the Companies Act 2006. The largest of these is SCOTTISH WIDOWS FINANCIAL SERVICES HOLDINGS, holding 100% — a majority holding. Because the shareholder shown is a company rather than an individual, the ownership chain continues above this level, and no beneficial owner can be established from this filing alone.
Who is HBOS FINANCIAL SERVICES LIMITED's UBO (Ultimate Beneficial Owner)?
Every shareholder recorded for HBOS FINANCIAL SERVICES LIMITED is itself a company rather than a natural person, so no Ultimate Beneficial Owner (UBO) is identified at this level; establishing one would require tracing the ownership of each shareholding company in turn.
How many shareholders does HBOS FINANCIAL SERVICES LIMITED have on record?
1 shareholder is shown on record for HBOS FINANCIAL SERVICES LIMITED.
What is HBOS FINANCIAL SERVICES LIMITED's company registration number?
HBOS FINANCIAL SERVICES LIMITED's registration number is 03322151, filed with Companies House in United Kingdom. Its current status on the register is active.
Is HBOS FINANCIAL SERVICES LIMITED still an active company?
HBOS FINANCIAL SERVICES LIMITED's status on Companies House is listed as active.
When was HBOS FINANCIAL SERVICES LIMITED incorporated?
HBOS FINANCIAL SERVICES LIMITED was incorporated on 17 February 1997, according to Companies House.
What is HBOS FINANCIAL SERVICES LIMITED's registered address?
The registered address on file for HBOS FINANCIAL SERVICES LIMITED is United Kingdom.
What legal structure is HBOS FINANCIAL SERVICES LIMITED registered as?
HBOS FINANCIAL SERVICES LIMITED is registered as a Private limited company (Ltd.) in United Kingdom.
Who are the officers/directors of HBOS FINANCIAL SERVICES LIMITED?
Three of the 5 officer records shown for HBOS FINANCIAL SERVICES LIMITED are current appointments, filed with Companies House. Rachel Messenger (appointed 2024-11-28) and Jacques Bezuidenhout (appointed 2024-11-28) both serve as Director; Karen McKay (appointed 2019-12-31) serves as Company Secretary. The remaining 2 records shown (Ross Gardiner and Sophie Comer) are former appointments that have since been resigned. Management authority at HBOS FINANCIAL SERVICES LIMITED sits with these individuals, not with shareholders, who are covered separately and hold ownership rather than control.
Does HBOS FINANCIAL SERVICES LIMITED have a parent company or subsidiaries?
HBOS FINANCIAL SERVICES LIMITED sits 3 levels below its ultimate parent, LLOYDS BANKING GROUP PLC, registered in United Kingdom. 2 subsidiaries are recorded beneath it, across 1 jurisdiction. Those 2 subsidiaries span United Kingdom jurisdiction, though this list should not be read as complete — subsidiaries only become visible here where shareholder data has actually been filed with a register, so holdings in jurisdictions without that filing simply won't appear. One of the 2 go a level deeper still, with its own further subsidiaries recorded beneath it — additional ownership layers this view doesn't expand.
Can Zavia monitor changes to HBOS FINANCIAL SERVICES LIMITED's ownership over time?
This profile reflects a point-in-time snapshot from Companies House. Zavia's monitoring API can track changes to HBOS FINANCIAL SERVICES LIMITED's registered shareholders, officers, and group structure going forward, flagging updates as they're filed rather than requiring a manual recheck.
Can I access HBOS FINANCIAL SERVICES LIMITED's data through an API?
Yes. Zavia's API connects directly to official government ownership registries across 195 countries and territories, including United Kingdom, so records like HBOS FINANCIAL SERVICES LIMITED's registration, shareholder, UBO, and group-structure data can be queried programmatically instead of viewed one page at a time.
Where does this company information come from, and how current is it?
This record is sourced directly from Companies House and was last synced on 5 October 2026.