THE ROYAL BANK OF SCOTLAND GROUP INDEPENDENT FINANCIAL SERVICES LIMITED
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Cash
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Latest balance sheet
Net assets
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Equity attributable
Employees
—
Average over period
Profit before tax
—
Period ending 2025-12-31
Watchouts
Facts from the Companies House register and the latest accounts — not a rating
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Accounts not prepared on a going-concern basis
These financial statements have been prepared on other than going concern basis. Under this basis, the assets have been measured at carrying value less impairment and liabilities at settlement / transfer values. The directors intend to liquidate the Company and expect this will take place shortly after the final settlement of the remaining provision.
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Going-concern uncertainty disclosed
Net assets
3-year trend · vs Financials median
Accounts
3-year trend · Δ = latest vs prior filed period · latest reflected 2025-12-31
| Metric | Trend | 2023-12-31 | 2024-12-31 | 2025-12-31 | Δ vs prior |
|---|---|---|---|---|---|
| Turnover | £0 | £0 | — | — | |
| Operating profit | -£34,425 | -£119,436 | -£58,200 | +51.3% | |
| Profit before tax | -£34,425 | -£120,486 | — | — | |
| Net profit | -£34,424 | -£120,486 | — | — | |
| Cash | £9,191,380 | £9,191,380 | — | — | |
| Total assets less current liabilities | — | — | — | — | |
| Net assets | £5,425,165 | £5,304,679 | — | — | |
| Equity | £5,425,165 | £5,304,679 | — | — | |
| Average employees | — | — | — | — | |
| Wages | — | — | — | — | |
| Directors' remuneration | — | — | — | — |
Values shown as filed in the company's annual accounts. — indicates the figure wasn't present under that line item in that period. The Δ column is the change from the prior filed period as a percentage of |prior|; lines a company doesn't report show —. About these numbers
Ratios
Computed from the line items above — sparklines read oldest → newest
| Ratio | Trend | 2023-12-31 | 2024-12-31 | 2025-12-31 |
|---|---|---|---|---|
| Gearing (liabilities / total assets) | 43.4% | 44.7% | — | |
| Current ratio | 2.30x | 2.24x | — |
Gearing is liabilities over total assets. Current ratio is current assets over creditors falling due within one year. Interest cover is operating profit over absolute finance costs. Sector-distribution context coming next.
Name history
Renamed 2 times since incorporation
- THE ROYAL BANK OF SCOTLAND GROUP INDEPENDENT FINANCIAL SERVICES LIMITED 2001-07-02 → present
- ROYAL BANK INSURANCE SERVICES (INDEPENDENT FINANCIAL ADVISERS) LIMITED 1997-06-02 → 2001-07-02
- ROYAL BANK INSURANCE SERVICES LIMITED 1978-09-22 → 1997-06-02
Audit & accounting basis
- Accounting basis
- FRS 101 Reduced Disclosure Framework
- Reporting scope
- Standalone (parent only)
- Auditor
- Ernst & Young LLP
- Audit opinion
- Unqualified (clean)
- Going concern
- Not a going concern (break-up basis)
“These financial statements have been prepared on other than going concern basis. Under this basis, the assets have been measured at carrying value less impairment and liabilities at settlement / transfer values. The directors intend to liquidate the Company and expect this will take place shortly after the final settlement of the remaining provision.”
Auditor, going-concern and subsidiary information is drawn from the narrative of the latest annual accounts. About these numbers
People
2 active · 51 resigned
| Name | Role | Appointed | Born | Nationality |
|---|---|---|---|---|
| NATWEST GROUP SECRETARIAL SERVICES LIMITED | Corporate Secretary | 2014-12-08 | — | — |
| ROBINSON, Barry John | Director | 2021-03-29 | Jan 1987 | British |
Show 51 resigned officers
| Name | Role | Appointed | Resigned |
|---|---|---|---|
| ADDISON, Yvonne | Secretary | 2010-03-11 | 2014-12-08 |
| COSGROVE, Arthur Mcrae | Secretary | — | 1993-12-15 |
| DICKSON, Jane | Secretary | 1991-09-18 | 1992-12-27 |
| ESSLEMONT, Deborah Susan | Secretary | 2008-01-09 | 2010-03-11 |
| HANKIN, Christina Ann | Secretary | 2005-10-25 | 2008-03-19 |
| LINDSAY, James Snodgrass | Secretary | — | 1990-03-01 |
| MACGILLIVRAY, Shirley Margaret | Secretary | 1994-08-09 | 2005-10-25 |
| MCKEAN, Alan Wallace | Secretary | 1993-12-15 | 1994-08-09 |
| MCKEAN, Alan Wallace | Secretary | 1990-03-01 | 1991-09-17 |
| BAILLIE, Colin Angus | Director | 2007-06-04 | 2008-06-04 |
| BEATTIE, Charles Allison | Director | 2001-06-29 | 2007-05-31 |
| BEATTIE, Charles Allison | Director | 1997-02-01 | 2000-11-01 |
| COWAN, Ian Rea | Director | — | 1991-03-22 |
| DAVIS, Fiona Lesley | Director | 2013-04-19 | 2013-07-12 |
| DAVIS, Fiona Lesley | Director | 2009-11-12 | 2010-08-12 |
| DEAVES, Sarah Jane | Director | 2009-11-04 | 2012-05-01 |
| FLEMING, Martin Francis | Director | 2012-04-18 | 2013-03-22 |
| FUNGE, Simon Alistair | Director | 2007-03-19 | 2011-05-19 |
| GALBRAITH, Eric | Director | 1995-06-27 | 2000-10-06 |
| GILBERT, Ian John | Director | 2007-06-04 | 2010-06-05 |
| GRANT, Ian James | Director | 2011-11-04 | 2012-10-05 |
| HIGGINS, Bernard | Director | 2001-06-29 | 2004-04-21 |
| KELLY, James Michael | Director | 1994-11-18 | 1997-07-11 |
| KEOGH, Henry Lockhart | Director | 2005-12-22 | 2009-11-04 |
| MACKLE, Feilim | Director | 2003-12-08 | 2006-12-19 |
| MARTIN, James Eugene | Director | 1991-03-22 | 1995-06-16 |
| MCINNES, Robert Macdonald | Director | 1993-12-15 | 1994-11-18 |
| MCLAUGHLIN, Ian Michael Brian | Director | 2012-05-14 | 2019-06-03 |
| MCPHERSON, Christine | Director | 2018-03-12 | 2021-03-29 |
| MOON, Alfred Wilson | Director | 1990-04-17 | 1991-05-07 |
| MORGAN, Peter Anthony | Director | 1997-02-01 | 2001-06-29 |
| MORRISON, Garry | Director | 2011-03-07 | 2012-06-21 |
| NEWMAN, Laura Yvonne | Director | 2015-10-30 | 2019-10-21 |
| PATERSON, Norman | Director | — | 1992-12-27 |
| PEARSON, Christopher George | Director | 1992-03-30 | 1993-12-15 |
| PHELAN, Neil Anthony | Director | — | 1994-02-28 |
| REID, Alexander James | Director | — | 1991-03-05 |
| REID, Ian | Director | 1993-04-28 | 2001-06-29 |
| SINCLAIR, Archibald Hugh | Director | 1997-02-01 | 2001-06-08 |
| SMEAL, James Henderson | Director | 1993-04-28 | 1993-10-20 |
| STALKARTT, Timothy Charles | Director | 1997-02-01 | 2001-07-02 |
| STEWART, Christopher John Leslie | Director | 2010-10-21 | 2011-11-30 |
| STEWART, Dunlop James | Director | 2002-07-31 | 2004-04-01 |
| STEWART, Graham Douglas | Director | 2001-06-29 | 2005-12-22 |
| STORRIE, Graham | Director | 2010-02-22 | 2011-01-31 |
| SUTHERLAND, Gary Alexander | Director | 2013-10-08 | 2015-11-13 |
| TAYLOR, William Ian | Director | — | 1990-04-17 |
| TIMLIN, Andrew James | Director | 2015-11-19 | 2016-06-29 |
| UINGS, Simon James | Director | 2015-05-26 | 2022-03-18 |
| WOOD, Peter John | Director | 1991-03-05 | 1992-12-27 |
| WORKMAN, John Donald Black | Director | 1997-07-14 | 2000-11-01 |
Ownership
Persons with significant control
| Name | Kind | Nature of control | Notified | Status |
|---|---|---|---|---|
| National Westminster Bank Plc | Corporate entity | Shares 75–100%, Voting 75–100% | 2017-01-01 | Ceased 2017-01-01 |
| The Royal Bank Of Scotland Group Plc | Corporate entity | Shares 75–100%, Voting 75–100% | 2016-04-06 | Ceased 2017-01-01 |
| National Westminster Bank Plc | Corporate entity | Shares 75–100%, Voting 75–100% | 2016-04-06 | Active |
Filing timeline
Last 20 of 226 total filings
Material constitutional events — rename, articles re-file, resolution
- 2022-09-06 MA Memorandum articles
- 2022-09-06 RESOLUTIONS Resolution
- 2022-09-06 CC04 Statement of companys objects
| Date | Type | Category | Description | |
|---|---|---|---|---|
| 2026-06-24 | AA | accounts | Accounts with accounts type full | |
| 2026-01-21 | CS01 | confirmation-statement | Confirmation statement with updates | |
| 2025-09-25 | AA | accounts | Accounts with accounts type full | |
| 2025-01-20 | CS01 | confirmation-statement | Confirmation statement with updates | |
| 2024-09-27 | AA | accounts | Accounts with accounts type full | |
| 2024-01-26 | CS01 | confirmation-statement | Confirmation statement with updates | |
| 2023-07-28 | AA | accounts | Accounts with accounts type full | |
| 2023-01-25 | CS01 | confirmation-statement | Confirmation statement with updates | |
| 2022-09-30 | AA | accounts | Accounts with accounts type full | |
| 2022-09-06 | MA | incorporation | Memorandum articles | |
| 2022-09-06 | RESOLUTIONS | resolution | Resolution | |
| 2022-09-06 | CC04 | change-of-constitution | Statement of companys objects | |
| 2022-03-31 | TM01 | officers | Termination director company with name termination date | |
| 2022-01-14 | CS01 | confirmation-statement | Confirmation statement with updates | |
| 2021-10-22 | AD01 | address | Change registered office address company with date old address new address | |
| 2021-09-27 | AA | accounts | Accounts with accounts type full | |
| 2021-09-14 | CH04 | officers | Change corporate secretary company with change date | |
| 2021-09-07 | CH01 | officers | Change person director company with change date | |
| 2021-07-14 | PSC05 | persons-with-significant-control | Change to a person with significant control | |
| 2021-07-14 | PSC07 | persons-with-significant-control | Cessation of a person with significant control |
Public-record activity
Raw counts from Companies House — last 12–24 months
- Filings
- 3
- Capital events
- 0
- Officers appointed
- 0
- Officers resigned
- 0
last 12 months
last 24 months
last 12 months
last 12 months
Direct counts from the register. No score, no rating — see the Filing timeline for the underlying events.