STANDARD LIFE PENSION FUNDS LIMITED

🌳Matureactive
SC046447 · private-limited-guarant-nsc · incorporated 1969-03-27
Investment thesis
Well-run mature business — low negotiation leverage; premium likely.
Why interesting: Textbook target; clean filings, stable trading.
Why risky: No pressure on seller; any deal likely at full price.
Opportunity decay
hardening · 12-months
Already tight — no obvious softening catalysts on the horizon.
  • · Thesis: well-run, low negotiation leverage
🔒Estimated value
—
Upgrade to see
Turnover
—
not disclosed
Net worth
—
book net assets
Opportunity
73/100
Strong
🔔
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What this business does
Primary activity: Life insurance
Sector: Financial & insurance
Investor take
Pursue
Strong opportunity: active trading company with strong profile and bankable structure.

Opportunity 73/100 (strong), bankability 75/100. Share purchase looks the cleaner deal structure. Most likely exit: strategic trade sale (73/100).

Data confidence

Overall: medium (61/100)

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
Confirmed no charges registered
85
Directors & officers
39 officers (3 active, 39 linked, 33 with DOB)
87
Ownership & PSC
1 active PSC(s) of 2 total, 2 with control declared
90
Director network
15 connected companies via shared directors
90
Filing history
185 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
70
Active, clean filings, stable charge profile.
Acquirability
50
Some acquirability indicators.
Risk profile
85
Few red flags.
Signal strength
90
Good data coverage for analysis.

Recent activity

Last 30 days
1
filing
  • • 1 officers
Last 90 days
1
filing
  • • 1 officers
Last 180 days
1
filing
  • • 1 officers
Counts from Companies House filing history.
Corporate timeline (92 events)Click to expand
  1. 2026-04-30
    ➖
    SUTTON, Kerry Elizabeth resigned
    director
  2. 2026-04-30
    📄
    termination-director-company-with-name-termination-date
    officers · TM01
  3. 2025-11-10
    📄
    change-to-a-person-with-significant-control
    persons-with-significant-control · PSC05
  4. 2025-11-10
    📄
    change-corporate-secretary-company-with-change-date
    officers · CH04
  5. 2025-09-24
    📄
    accounts-with-accounts-type-full
    accounts · AA
  6. 2025-09-02
    ➕
    HAYDEN-CAREY, Lindsey Jayne appointed
    director
  7. 2025-09-02
    📄
    appoint-person-director-company-with-name-date
    officers · AP01
  8. 2025-07-03
    📄
    change-person-director-company-with-change-date
    officers · CH01
  9. 2025-02-03
    📄
    termination-director-company-with-name-termination-date
    officers · TM01
  10. 2025-02-03
    📄
    termination-director-company-with-name-termination-date
    officers · TM01
  11. 2025-02-03
    📄
    termination-director-company-with-name-termination-date
    officers · TM01
  12. 2025-02-01
    ➖
    CAIRNS, Arlene resigned
    director
  13. 2025-02-01
    ➖
    LISTER, John Robert resigned
    director
  14. 2025-02-01
    ➖
    MEANEY, Brid Mary resigned
    director
  15. 2025-01-31
    ➕
    BUFFHAM, James Bryan appointed
    director
  16. 2025-01-31
    ➕
    SUTTON, Kerry Elizabeth appointed
    director
  17. 2025-01-31
    📄
    appoint-person-director-company-with-name-date
    officers · AP01
  18. 2025-01-31
    📄
    appoint-person-director-company-with-name-date
    officers · AP01
  19. 2024-11-11
    📄
    auditors-resignation-company
    auditors · AUD
  20. 2024-06-21
    📄
    accounts-with-accounts-type-full
    accounts · AA
  21. 2024-04-02
    📄
    appoint-person-director-company-with-name-date
    officers · AP01
  22. 2024-04-02
    📄
    termination-director-company-with-name-termination-date
    officers · TM01
  23. 2024-04-01
    ➕
    CAIRNS, Arlene appointed
    director
  24. 2024-03-31
    ➖
    MAYES, Peter Kane resigned
    director
  25. 2024-03-20
    ➖
    LEVER, Samuel John resigned
    director
  26. 2024-03-20
    📄
    termination-director-company-with-name-termination-date
    officers · TM01
  27. 2024-02-26
    📄
    notification-of-a-person-with-significant-control
    persons-with-significant-control · PSC02
  28. 2024-02-26
    📄
    cessation-of-a-person-with-significant-control
    persons-with-significant-control · PSC07
  29. 2023-06-07
    📄
    accounts-with-accounts-type-full
    accounts · AA
  30. 2022-10-06
    📄
    appoint-person-director-company-with-name-date
    officers · AP01
  31. 2022-10-06
    📄
    termination-director-company-with-name-termination-date
    officers · TM01
  32. 2022-10-01
    ➕
    MAYES, Peter Kane appointed
    director
  33. 2022-10-01
    ➖
    MOSS, Andrew resigned
    director
  34. 2022-05-01
    ➕
    MOSS, Andrew appointed
    director
  35. 2021-11-01
    ➕
    LISTER, John Robert appointed
    director
  36. 2021-10-31
    ➖
    URMSTON, Michael Norris resigned
    director
  37. 2021-04-30
    ➕
    MEANEY, Brid Mary appointed
    director
  38. 2021-04-30
    ➖
    PERCIVAL, Stephen Keith resigned
    director
  39. 2021-02-01
    ➕
    LEVER, Samuel John appointed
    director
  40. 2021-02-01
    ➖
    MCGUIGAN, Ciaran Francis resigned
    director
  41. 2018-12-10
    ➕
    URMSTON, Michael Norris appointed
    director
  42. 2018-08-31
    ➕
    PEARL GROUP SECRETARIAT SERVICES LIMITED appointed
    corporate-secretary
  43. 2018-08-31
    ➖
    HORSBURGH, Frances Margaret resigned
    secretary
  44. 2018-08-31
    ➕
    MCGUIGAN, Ciaran Francis appointed
    director
  45. 2018-08-31
    ➖
    MURRAY, Steven Grant resigned
    director
  46. 2017-09-29
    ➖
    GILL, John Easton resigned
    director
  47. 2017-09-29
    ➕
    MURRAY, Steven Grant appointed
    director
  48. 2017-05-31
    ➖
    HESKETH, Mark Alexander resigned
    director
  49. 2017-05-31
    ➕
    PERCIVAL, Stephen Keith appointed
    director
  50. 2017-03-01
    ➖
    MATTHEWS, Paul Stephen resigned
    director
Showing most recent 50 of 92 events

Owner dependency

58/100
Moderate — manageable with handover

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

FACTORS
  • +Two-director setup: Only two active directors — typical of owner-managed SMEs but limits succession.

Succession & seller-readiness

36/100
Weak signal

Limited succession signal. Not a near-term off-market candidate.

SIGNALS
  • secondaryTwo-director governance: Small-team governance. Succession depth is thin but not absent.

Red flags

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

Group structure

Phoenix Life Limited is the ultimate parent — holding 75%+ shares. This company sits inside their group.

🏛️
Phoenix Life Limited
Corporate parent · board control
⬇
STANDARD LIFE PENSION FUNDS LIMITED
This company · SC046447

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%
NameSharesVoting rightsNature of controlNotified
Phoenix Life Limited
Corporate entity
—75–100%board control75-100% voting · board control27/10/2023
1 historic (ceased) PSC
  • Standard Life Assurance Limitedceased 27/10/2023· 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 →

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Peers ranked by estimated value, then turnover, then opportunity score.See all →
🔒Tailored diligence questions

6 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
Typeprivate-limited-guarant-nsc
Incorporated1969-03-27
Jurisdictionscotland
Primary SIC65110 — Life insurance

Registered office

Standard Life House
30 Lothian Road
Edinburgh
EH1 2DH

Filing status

Accounts
Next due: 2026-09-30
Last made up to: 2024-12-31
Confirmation statement
Next due: 2026-07-01
Last: 2025-06-17

Officers (3 active · 36 resigned)

PEARL GROUP SECRETARIAT SERVICES LIMITED→
corporate-secretary · appointed 2018-08-31
View their other companies + combined net worth →
Active
BUFFHAM, James Bryan→
director · ~49y · appointed 2025-01-31
View their other companies + combined net worth →
Active
HAYDEN-CAREY, Lindsey Jayne→
director · ~40y · appointed 2025-09-02
View their other companies + combined net worth →
Active
FOTHERINGHAM, David Drysdale→
secretary · appointed 1993-11-15 · resigned 1996-03-01
Resigned
GRAY, Archibald James Angus Macuish→
secretary · resigned 1993-11-14
Resigned
HORSBURGH, Frances Margaret→
secretary · appointed 2015-04-23 · resigned 2018-08-31
Resigned
MCGOVERN, Gillian→
secretary · appointed 2007-05-01 · resigned 2015-04-23
Resigned
SOMERVILLE, Peter Walter→
secretary · appointed 1996-03-01 · resigned 2007-05-01
Resigned
AIREY, Lawrence, Sir→
director · ~100y · resigned 1994-03-22
Resigned
BELL, Alexander Scott→
director · ~85y · resigned 2002-03-15
Resigned
BENTLEY, David Cameron→
director · ~72y · appointed 2002-03-16 · resigned 2005-12-01
Resigned
BLACK, James Masson→
director · ~62y · appointed 2008-11-07 · resigned 2010-12-31
Resigned
BOURKE, Evelyn Brigid→
director · ~61y · appointed 2006-08-07 · resigned 2008-11-07
Resigned
CAIRNS, Arlene→
director · ~48y · appointed 2024-04-01 · resigned 2025-02-01
Resigned
CROMBIE, Alexander Maxwell, Sir→
director · ~77y · appointed 2003-03-03 · resigned 2005-12-01
Resigned
DOHERTY, Shaun Edward→
director · ~68y · appointed 2005-12-01 · resigned 2006-08-07
Resigned
DOUGLAS, Simon David George→
director · ~61y · appointed 2005-12-01 · resigned 2006-04-27
Resigned
GILL, John Easton→
director · ~62y · appointed 2005-12-01 · resigned 2017-09-29
Resigned
HESKETH, Mark Alexander→
director · ~65y · appointed 2011-04-18 · resigned 2017-05-31
Resigned
HYLANDS, John Francis→
director · ~75y · appointed 2001-12-16 · resigned 2005-12-01
Resigned

Click a director name to see their full track record across all companies.

Recent filings (185 total)

termination-director-company-with-name-termination-date
officers · TM01
2026-04-30
change-to-a-person-with-significant-control
persons-with-significant-control · PSC05
2025-11-10
change-corporate-secretary-company-with-change-date
officers · CH04
2025-11-10
accounts-with-accounts-type-full
accounts · AA
2025-09-24
appoint-person-director-company-with-name-date
officers · AP01
2025-09-02
change-person-director-company-with-change-date
officers · CH01
2025-07-03
confirmation-statement-with-no-updates
confirmation-statement · CS01
2025-07-01
termination-director-company-with-name-termination-date
officers · TM01
2025-02-03
termination-director-company-with-name-termination-date
officers · TM01
2025-02-03
termination-director-company-with-name-termination-date
officers · TM01
2025-02-03
appoint-person-director-company-with-name-date
officers · AP01
2025-01-31
appoint-person-director-company-with-name-date
officers · AP01
2025-01-31
auditors-resignation-company
auditors · AUD
2024-11-11
accounts-with-accounts-type-full
accounts · AA
2024-06-21
confirmation-statement-with-no-updates
confirmation-statement · CS01
2024-06-17