ABRDN LIFE AND PENSIONS LIMITED
🌳Matureactive
03526143 · ltd · incorporated 1998-03-06
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
73/100
Strong
What this business does
Primary activity: Pension funding
Sector: Financial & insurance
Investor take
PursueActive trading company with a 65-year-old founder — textbook succession opportunity.
Opportunity 73/100 (strong), bankability 57/100. Strong seller-intent signal (63/100, director aged 65). 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
21 live charges · 16 lenders · oldest 21.6y
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 21.6 years old — likely at or near maturity.
- · 16 lenders named — inter-creditor friction likely.
- · Legal-friction score 55/100 (high).
Data confidence
Overall: medium (59/100)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
21 charges (21/21 with lender, 21/21 with type)
90
Directors & officers
46 officers (7 active, 46 linked, 39 with DOB)
87
Ownership & PSC
1 active PSC(s) of 1 total, 1 with control declared
90
Director network
7 connected companies via shared directors
66
Filing history
228 filings on record
85
Gazette notices
No matching gazette notices (standard for active companies)
60
Opportunity Score
73/100Strong
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
74
Few red flags.
Signal strength
100
Good data coverage for analysis.
Recent activity
Last 30 days
1
filing
- • 1 confirmation-statement
Last 90 days
3
filings
- • 2 mortgage
- • 1 confirmation-statement
Last 180 days
3
filings
- • 2 mortgage
- • 1 confirmation-statement
Counts from Companies House filing history.
Corporate timeline (139 events)Click to expand
- 2026-04-13📄mortgage-satisfy-charge-fullmortgage · MR04
- 2026-04-13📄mortgage-satisfy-charge-fullmortgage · MR04
- 2026-04-13🔓Charge satisfied #18
- 2026-04-13🔓Charge satisfied #2
- 2025-11-24📄legacymortgage · MG01
- 2025-11-17📄mortgage-satisfy-charge-fullmortgage · MR04
- 2025-11-17🔓Charge satisfied #12
- 2025-11-04➕SHANKS, Adam George appointeddirector
- 2025-11-04📄appoint-person-director-company-with-name-dateofficers · AP01
- 2025-09-16📄mortgage-satisfy-charge-fullmortgage · MR04
- 2025-09-16🔓Charge satisfied #15
- 2025-08-18📄termination-director-company-with-name-termination-dateofficers · TM01
- 2025-08-15📄appoint-person-director-company-with-name-dateofficers · AP01
- 2025-08-13➕CROSBIE, John Kenny appointeddirector
- 2025-08-13➖HERD, Emma Catherine resigneddirector
- 2025-07-29📄change-person-director-company-with-change-dateofficers · CH01
- 2025-06-04📄accounts-with-accounts-type-fullaccounts · AA
- 2025-04-02📄mortgage-create-with-deed-with-charge-number-charge-creation-datemortgage · MR01
- 2025-04-02📄mortgage-create-with-deed-with-charge-number-charge-creation-datemortgage · MR01
- 2025-04-02📄mortgage-create-with-deed-with-charge-number-charge-creation-datemortgage · MR01
- 2025-03-28🔒Charge registered #23Lender: Legal and General Assurance (Pensions Management) Limited
- 2025-03-28🔒Charge registered #22Lender: Scottish Equitable PLC
- 2025-03-28🔒Charge registered #21Lender: Fil Life Insurance Limited
- 2025-03-10📄mortgage-miscellaneousmortgage · MORT MISC
- 2025-02-28📄mortgage-create-with-deed-with-charge-number-charge-creation-datemortgage · MR01
- 2025-02-24📄mortgage-create-with-deed-with-charge-number-charge-creation-datemortgage · MR01
- 2025-02-24📄mortgage-create-with-deed-with-charge-number-charge-creation-datemortgage · MR01
- 2025-02-24🔒Charge registered #18Lender: Fil Life Insurance Limited
- 2025-02-24🔒Charge registered #17Lender: Scottish Equitable PLC
- 2025-02-20📄mortgage-create-with-deed-with-charge-number-charge-creation-datemortgage · MR01
- 2025-02-20📄mortgage-create-with-deed-with-charge-number-charge-creation-datemortgage · MR01
- 2025-02-20🔒Charge registered #20Lender: Mobius Life Limited
- 2025-02-19🔒Charge registered #15Lender: Scottish Widows Limited
- 2025-02-03🔒Charge registered #16Lender: Legal and General Assurance (Pensions Management) Limited
- 2024-12-28📄resolutionresolution · RESOLUTIONS
- 2024-12-17📄capital-allotment-sharescapital · SH01
- 2024-11-03📄resolutionresolution · RESOLUTIONS
- 2024-05-31📄auditors-resignation-companyauditors · AUD
- 2023-06-02➕VALLERY, David Stephen appointeddirector
- 2023-03-31➕VICK, Douglas Forbes appointeddirector
- 2023-03-31➖BARTLETT, Patrick David resigneddirector
- 2023-03-31➖THORESEN, Otto resigneddirector
- 2022-12-29➕HERD, Emma Catherine appointeddirector
- 2022-07-31➖MACKENZIE, Elizabeth Anne resigneddirector
- 2022-03-15➕MACKENZIE, Elizabeth Anne appointeddirector
- 2021-05-31➖MARSHALL, Gary Robert resigneddirector
- 2020-06-17➕ABRDN CORPORATE SECRETARY LIMITED appointedcorporate-secretary
- 2020-06-17➖ABERDEEN ASSET MANAGEMENT PLC resignedcorporate-secretary
- 2020-06-15➕BARTLETT, Patrick David appointeddirector
- 2019-09-25➕MARSHALL, Gary Robert appointeddirector
Showing most recent 50 of 139 events
Owner dependency
55/100
Moderate — manageable with handoverSome founder dependency, but not acute. A structured handover period should cover most risk.
FACTORS
- -6 active directors: Broader management team in place — suggests transferable governance.
- +Founder age: Director aged approximately 65 — succession pressure is live.
Succession & seller-readiness
55/100
Strong succession signalMultiple signals suggest succession is on the horizon. Candidate for proactive outreach.
SIGNALS
- primaryFounder aged 63+: Senior director is approximately 65. Approaching typical UK retirement age — succession thinking likely.
- supportingClean filings + long tenure: Disciplined long-tenure operator — classic lifestyle-business pattern that often sells quietly.
Red flags
1 med · 1 lowCharge satisfaction-then-recreation pattern
mediumMultiple instances where a charge was satisfied and a new charge created within 6 months. Suggests active refinancing cycle.
12 live charges
lowHeavily leveraged with multiple live security positions — understand the capital structure before proceeding.
Group structure
Abrdn Holdings Limited is the ultimate parent — holding 75%+ shares. This company sits inside their group.
🏛️ultimate parent
Abrdn Holdings Limited
Corporate parent · holds 75-100% shares · board control
⬇
ABRDN LIFE AND PENSIONS LIMITED
This company · 03526143
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 |
|---|---|---|---|---|
Abrdn Holdings Limited Corporate entity | 75–100% | 75–100% | board control75-100% shares · 75-100% voting · board control | 06/04/2016 |
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 · EC postcode area| Company | Est. value | Turnover | Net worth | Staff | Age | Opp | Director |
|---|---|---|---|---|---|---|---|
| 2X IGNITE LIMITED→ 15873885 · est 2024 · no financials extracted | — | — | — | — | 1y | — | — |
| ABERDEEN CORPORATE FINANCE LIMITED→ 16025827 · est 2024 · no financials extracted | — | — | — | — | 1y | — | — |
| ABIGAIL FINANCE LTD→ 16529900 · est 2025 · no financials extracted | — | — | — | — | — | — | — |
| ABL ADJUSTING LIMITED→ 01314814 · est 1977 · no financials extracted | — | — | — | — | 48y | — | — |
| ABN AMRO CLEARING LONDON LIMITED→ 11656866 · est 2018 · no financials extracted | — | — | — | — | 7y | — | — |
| ABRDN (IL INFRASTRUCTURE DEBT) GP LIMITED→ 14313126 · est 2022 · no financials extracted | — | — | — | — | 3y | — | — |
| ABRDN EUROPEAN SUSTAINABLE INFRASTRUCTURE GP V LIMITED→ 15767713 · est 2024 · no financials extracted | — | — | — | — | 1y | — | — |
| ABRDN FUND MANAGERS LIMITED→ 00740118 · est 1962 · no financials extracted | — | — | — | — | 63y | — | — |
| ABRDN GLOBAL SUSTAINABLE INFRASTRUCTURE IV UK LATAM A LIMITED→ 16415544 · est 2025 · no financials extracted | — | — | — | — | — | — | — |
| ABRDN GLOBAL SUSTAINABLE INFRASTRUCTURE IV UK LATAM B LIMITED→ 16417272 · est 2025 · no financials extracted | — | — | — | — | — | — | — |
| ABRIDGE CAPITAL INTERNATIONAL LIMITED→ 05934959 · est 2006 · no financials extracted | — | — | — | — | 19y | — | — |
| ABS GRID LTD→ 15390832 · est 2024 · no financials extracted | — | — | — | — | 2y | — | — |
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
Typeltd
Incorporated1998-03-06
Jurisdictionengland-wales
Primary SIC65300 — Pension funding
Registered office
280 Bishopsgate
London
EC2M 4AG
United Kingdom
Filing status
Accounts
Next due: 2026-09-30
Last made up to: 2024-12-31
Confirmation statement
Next due: 2027-05-12
Last: 2026-04-28
Officers (7 active · 39 resigned)
ABRDN CORPORATE SECRETARY LIMITED→
Activecorporate-secretary · appointed 2020-06-17
View their other companies + combined net worth →
CROSBIE, John Kenny→
Activedirector · ~47y · appointed 2025-08-13
View their other companies + combined net worth →
HARE, David John Paterson, Dr→
Activedirector · ~65y · appointed 2017-06-09
View their other companies + combined net worth →
MITCHELL, Aron William→
Activedirector · ~54y · appointed 2016-02-10
View their other companies + combined net worth →
SHANKS, Adam George→
Activedirector · ~42y · appointed 2025-11-04
View their other companies + combined net worth →
VALLERY, David Stephen→
Activedirector · ~58y · appointed 2023-06-02
View their other companies + combined net worth →
VICK, Douglas Forbes→
Activedirector · ~49y · appointed 2023-03-31
View their other companies + combined net worth →
DYKE, Adrian Brettell→
Resignedsecretary · appointed 2001-03-21 · resigned 2005-05-13
HOGWOOD, Paul Arthur→
Resignedsecretary · appointed 1998-03-06 · resigned 2003-11-12
MCNALTY, Mary Josephine Margaret→
Resignedsecretary · appointed 2003-11-12 · resigned 2006-03-29
POPE, Mark→
Resignedsecretary · appointed 2005-05-13 · resigned 2005-09-30
WITHINGTON, Annabel Katherine Goddard→
Resignedsecretary · appointed 1998-05-18 · resigned 2001-03-21
ABERDEEN ASSET MANAGEMENT PLC→
Resignedcorporate-secretary · appointed 2005-09-30 · resigned 2020-06-17
BARTLETT, Patrick David→
Resigneddirector · ~59y · appointed 2020-06-15 · resigned 2023-03-31
BENSON, Henry Charles→
Resigneddirector · ~76y · appointed 1998-10-20 · resigned 1999-10-20
BLAKELEY, Alan George→
Resigneddirector · ~75y · appointed 2008-01-18 · resigned 2013-09-17
BRETT, John Michael→
Resigneddirector · ~60y · appointed 2012-10-02 · resigned 2016-01-01
COPLEY, David Alan→
Resigneddirector · ~57y · appointed 2002-04-29 · resigned 2004-07-19
CUMING, Alastair Nicholas→
Resigneddirector · ~68y · appointed 2002-07-16 · resigned 2004-12-10
DAVIES, Susanna Frances→
Resigneddirector · ~67y · appointed 1998-05-18 · resigned 1999-10-25
Click a director name to see their full track record across all companies.
Mortgages & charges
21
Total charges
12
Outstanding
8
Active lenders
Status:Lender:21 of 21 shown
| Type | Properties | |||||
|---|---|---|---|---|---|---|
| outstanding | Legal and General Assurance (Pensions Management) Legal and General Assurance (Pensions Management) Limited | A registered charge | 1 property | 28/03/2025 | — | |
| outstanding | Scottish Equitable Scottish Equitable PLC | A registered charge | 1 property | 28/03/2025 | — | |
| outstanding | Fil Life Insurance Fil Life Insurance Limited | A registered charge | 1 property | 28/03/2025 | — | |
| satisfied | Fil Life Insurance Fil Life Insurance Limited | A registered charge | 1 property | 24/02/2025 | 13/04/2026 | |
| outstanding | Scottish Equitable Scottish Equitable PLC | A registered charge | 1 property | 24/02/2025 | — | |
| outstanding | Mobius Life Mobius Life Limited | A registered charge | 1 property | 20/02/2025 | — | |
| satisfied | Scottish Widows Scottish Widows Limited | A registered charge | 1 property | 19/02/2025 | 16/09/2025 | |
| outstanding | Legal and General Assurance (Pensions Management) Legal and General Assurance (Pensions Management) Limited | A registered charge | 1 property | 03/02/2025 | — | |
| outstanding | Legal and General Assurance (Pensions Management) Legal and General Assurance (Pensions Management) Limited | A registered charge | — | 11/01/2018 | — | |
| satisfied | Aviva Life & Pensions UK Aviva Life & Pensions UK Limited | A registered charge | — | 16/03/2015 | 14/05/2019 | |
| satisfied | Winterthur Life UK Winterthur Life UK Limited | Deed of charge | 1 property | 07/12/2011 | 17/11/2025 | |
| satisfied | Aberdeen Asset Management Pooled Pensions Aberdeen Asset Management Pooled Pensions Limited | Deed of charge | 1 property | 08/09/2009 | 14/05/2019 | |
| outstanding | Zurich Assurance Zurich Assurance LTD | Deed of charge | 1 property | 20/07/2009 | — | |
| satisfied | Threadneedle Pensions Threadneedle Pensions Limited | Deed of charge | 1 property | 18/10/2008 | 14/05/2019 | |
| outstanding | Legal & General Assurance Society Legal & General Assurance Society Limited | Deed of charge | 1 property | 06/03/2008 | — | |
| outstanding | The Prudential Assurance Company The Prudential Assurance Company Limited | A deed of charge | 1 property | 20/05/2007 | — | |
| outstanding | Scottish Equitable Scottish Equitable PLC | Deed of charge | 1 property | 10/10/2006 | — | |
| outstanding | Standard Life Investment Funds Standard Life Investment Funds Limited | Deed of charge | 1 property | 02/08/2006 | — | |
| satisfied | The Standard Life Assurance Company | Deed of charge | 1 property | 14/09/2005 | 31/08/2006 | |
| satisfied | Winterthur Pension Funds UK Winterthur Pension Funds UK Limited | Charge | 1 property | 11/05/2005 | 14/05/2019 | |
| satisfied | Fidelity Investments Life Insurance Fidelity Investments Life Insurance Limited | Deed of charge | 1 property | 25/10/2004 | 13/04/2026 |
Click column headers to sort. Use filters above to narrow by status and lender.
Recent filings (228 total)
confirmation-statement-with-no-updates
confirmation-statement · CS01
2026-05-06
mortgage-satisfy-charge-full
mortgage · MR04
2026-04-13
mortgage-satisfy-charge-full
mortgage · MR04
2026-04-13
legacy
mortgage · MG01
2025-11-24
mortgage-satisfy-charge-full
mortgage · MR04
2025-11-17
appoint-person-director-company-with-name-date
officers · AP01
2025-11-04
mortgage-satisfy-charge-full
mortgage · MR04
2025-09-16
termination-director-company-with-name-termination-date
officers · TM01
2025-08-18
appoint-person-director-company-with-name-date
officers · AP01
2025-08-15
change-person-director-company-with-change-date
officers · CH01
2025-07-29
accounts-with-accounts-type-full
accounts · AA
2025-06-04
confirmation-statement-with-updates
confirmation-statement · CS01
2025-04-28
mortgage-create-with-deed-with-charge-number-charge-creation-date
mortgage · MR01
2025-04-02
mortgage-create-with-deed-with-charge-number-charge-creation-date
mortgage · MR01
2025-04-02
mortgage-create-with-deed-with-charge-number-charge-creation-date
mortgage · MR01
2025-04-02