ALBA LAS PENSIONS MANAGEMENT LIMITED
🌳Matureactive
SC060928 · ltd · incorporated 1976-10-15
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.
Why now
Window steady · low confidence
Stable recent picture — watch for any upcoming trigger event.
What changed my view
Last 30 days
No material changes in the last 30 days.
Last 90 days
No snapshot from 90 days ago — start tracking from today.
Last 180 days
No snapshot from 180 days ago — start tracking from today.
🔒Estimated value
—
Upgrade to see
Turnover
—
not disclosed
Net worth
—
book net assets
Opportunity
68/100
Strong
What this business does
Primary activity: SIC 99999
Sector: Extraterritorial bodies
Investor take
PursueActive trading company. Reasonable fundamentals — worth a memo before deciding.
Opportunity 68/100 (strong), bankability 57/100. Asset purchase likely safer than share purchase given structural signals. Biggest value-creation lever: Consolidate lender relationships. 24 distinct lenders creates friction — refinance into single-lender structure for cleaner diligence. Most likely exit: refinance and hold (40/100).
🏦
Refinance opportunity
46 live charges · 24 lenders · oldest 45.0y
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 45.0 years old — likely at or near maturity.
- · 24 lenders named — inter-creditor friction likely.
- · Legal-friction score 55/100 (high).
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
46 charges (46/46 with lender, 46/46 with type)
90
Directors & officers
46 officers (4 active, 46 linked, 34 with DOB)
85
Ownership & PSC
1 active PSC(s) of 1 total, 1 with control declared
90
Director network
19 connected companies via shared directors
90
Filing history
256 filings on record
85
Gazette notices
No matching gazette notices (standard for active companies)
60
Opportunity Score
68/100Strong
PassWatchWorth a lookStrongExceptional
Solid opportunity signal. Worth a dedicated memo and management meeting.
Business quality
60
Adequate — check latest filings for context.
Acquirability
50
Some acquirability indicators.
Risk profile
74
Few red flags.
Signal strength
100
Good data coverage for analysis.
Recent activity
Last 30 days
0
filings
Last 90 days
1
filing
- • 1 confirmation-statement
Last 180 days
2
filings
- • 1 confirmation-statement
- • 1 officers
Counts from Companies House filing history.
Corporate timeline (166 events)Click to expand
- 2026-01-26📄appoint-person-director-company-with-name-dateofficers · AP01
- 2026-01-23➕REUBEN, Victoria Anne appointeddirector
- 2025-11-13📄change-corporate-secretary-company-with-change-dateofficers · CH04
- 2025-07-25📄accounts-with-accounts-type-dormantaccounts · AA
- 2025-05-01📄mortgage-satisfy-charge-fullmortgage · MR04
- 2025-05-01🔓Charge satisfied #29
- 2024-10-16📄mortgage-satisfy-charge-fullmortgage · MR04
- 2024-10-16📄mortgage-satisfy-charge-fullmortgage · MR04
- 2024-10-16🔓Charge satisfied #23
- 2024-10-16🔓Charge satisfied #20
- 2024-09-20📄mortgage-satisfy-charge-fullmortgage · MR04
- 2024-09-20📄mortgage-satisfy-charge-fullmortgage · MR04
- 2024-09-20📄mortgage-satisfy-charge-fullmortgage · MR04
- 2024-09-20📄mortgage-satisfy-charge-fullmortgage · MR04
- 2024-09-20📄mortgage-satisfy-charge-fullmortgage · MR04
- 2024-09-20🔓Charge satisfied #48
- 2024-09-20🔓Charge satisfied #36
- 2024-09-20🔓Charge satisfied #31
- 2024-09-20🔓Charge satisfied #6
- 2024-09-20🔓Charge satisfied #3
- 2024-08-23➕DOSANJH, Kulbinder Kaur appointeddirector
- 2024-08-23➖MEANEY, Brid Mary resigneddirector
- 2024-08-23📄termination-director-company-with-name-termination-dateofficers · TM01
- 2024-08-23📄appoint-person-director-company-with-name-dateofficers · AP01
- 2024-07-15📄accounts-with-accounts-type-dormantaccounts · AA
- 2023-08-21📄accounts-with-accounts-type-dormantaccounts · AA
- 2023-01-18📄appoint-person-director-company-with-name-dateofficers · AP01
- 2023-01-17📄termination-director-company-with-name-termination-dateofficers · TM01
- 2022-12-31➕MEANEY, Brid Mary appointeddirector
- 2022-12-31➖MOSS, Andrew resigneddirector
- 2022-10-07📄accounts-with-accounts-type-dormantaccounts · AA
- 2022-01-05📄statement-of-companys-objectschange-of-constitution · CC04
- 2021-12-16📄memorandum-articlesincorporation · MA
- 2021-06-01➕BUFFHAM, James Bryan appointeddirector
- 2021-06-01➖SHERIFF, Rizwan resigneddirector
- 2017-11-10🔓Charge satisfied #26
- 2017-09-30➖MOHAMMED, Shamira resigneddirector
- 2017-09-30➕SHERIFF, Rizwan appointeddirector
- 2014-06-02➖MERRICK, Michael John resigneddirector
- 2014-06-02➕MOHAMMED, Shamira appointeddirector
- 2009-12-23➖LUSCOMBE, Kerr resigneddirector
- 2009-12-23➕MOSS, Andrew appointeddirector
- 2008-07-18➕LUSCOMBE, Kerr appointeddirector
- 2008-07-18➖STOCKTON, Robert Paul resigneddirector
- 2008-06-18🔓Charge satisfied #42
- 2008-01-01➕MERRICK, Michael John appointeddirector
- 2007-12-31➖GREENFIELD, Richard Edward Keith resigneddirector
- 2007-04-30➖CRAINE, Roger resigneddirector
- 2007-03-29➕STOCKTON, Robert Paul appointeddirector
- 2006-09-01➕PEARL GROUP SECRETARIAT SERVICES LIMITED appointedcorporate-secretary
Showing most recent 50 of 166 events
Owner dependency
50/100
Moderate — manageable with handoverSome founder dependency, but not acute. A structured handover period should cover most risk.
Succession & seller-readiness
30/100
Weak signalLimited succession signal. Not a near-term off-market candidate.
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.
30 live charges
lowHeavily leveraged with multiple live security positions — understand the capital structure before proceeding.
Group structure
Pearl Al Limited is the ultimate parent — holding 75%+ shares. This company sits inside their group.
🏛️ultimate parent
Pearl Al Limited
Corporate parent · holds 75-100% shares · board control
⬇
ALBA LAS PENSIONS MANAGEMENT LIMITED
This company · SC060928
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 |
|---|---|---|---|---|
Pearl Al 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 · Other · EH postcode area| Company | Est. value | Turnover | Net worth | Staff | Age | Opp | Director |
|---|---|---|---|---|---|---|---|
| TARTAN GOLF INTERNATIONAL LIMITED→ SC086571 · est 1984 | £965.1k £643.4k–£1.29M | — | — | 19 | 42y | 83 | 66y |
| CONFEDERATION OF FOREST INDUSTRIES (UK) LIMITED→ SC034467 · est 1959 | £786.2k £524.1k–£1.05M | — | — | — | 66y | 82 | 72y |
| ESSENTIAL EDINBURGH→ SC343592 · est 2008 | £82.2k £54.8k–£109.6k | — | — | 700 | 18y | 84 | 68y |
| COGENT SSC LIMITED→ SC129351 · est 1991 · no financials extracted | — | — | — | — | 35y | 83 | 59y |
| NEVIS PROPERTY COMPANY LIMITED→ SC020708 · est 1938 · no financials extracted | — | — | — | — | 87y | 83 | 90y |
| NEWLANDS COMMUNITY DEVELOPMENT TRUST→ SC328243 · est 2007 · no financials extracted | — | — | — | — | 18y | 83 | 68y |
| NORDAN SCANDIC (SCOTLAND) LTD→ SC165768 · est 1996 | — | — | £2 | — | 30y | 83 | 65y |
| OUTDOOR INDUSTRIES ASSOCIATION CIC→ SC366266 · est 2009 · no financials extracted | — | — | — | — | 16y | 83 | 66y |
| SALMON SCOTLAND LTD→ SC152347 · est 1994 | — | — | £188.2k | — | 31y | 83 | 66y |
| SCOTPAC INTERNATIONAL (U.K.) LIMITED→ SC047003 · est 1969 | — | — | — | — | 56y | 83 | 60y |
| SMTA (TRADING PARTNERS) LIMITED→ SC342972 · est 2008 | — | — | — | 0 | 18y | 83 | 76y |
| AW ESTATES LIMITED→ SC259737 · est 2003 · no financials extracted | — | — | — | — | 22y | 82 | 68y |
Peers ranked by estimated value, then turnover, then opportunity score.See all →
🔒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
Typeltd
Incorporated1976-10-15
Jurisdictionscotland
Primary SIC99999 — SIC 99999
Registered office
Standard Life House
30 Lothian Road
Edinburgh
EH1 2DH
Scotland
Filing status
Accounts
Next due: 2026-09-30
Last made up to: 2024-12-31
Confirmation statement
Next due: 2027-05-07
Last: 2026-04-23
Officers (4 active · 42 resigned)
PEARL GROUP SECRETARIAT SERVICES LIMITED→
Activecorporate-secretary · appointed 2006-09-01
View their other companies + combined net worth →
BUFFHAM, James Bryan→
Activedirector · ~49y · appointed 2021-06-01
View their other companies + combined net worth →
DOSANJH, Kulbinder Kaur→
Activedirector · ~54y · appointed 2024-08-23
View their other companies + combined net worth →
REUBEN, Victoria Anne→
Activedirector · ~48y · appointed 2026-01-23
View their other companies + combined net worth →
GRIFFIN-SMITH, Philip Bernard→
Resignedsecretary · appointed 2006-04-03 · resigned 2006-09-01
JORDAN, Barbara Craig→
Resignedsecretary · appointed 2002-01-28 · resigned 2006-04-03
KELLY, Malcolm James, Mr.→
Resignedsecretary · appointed 2001-09-01 · resigned 2002-01-28
NORRIS, Amanda Jane→
Resignedsecretary · appointed 1993-06-01 · resigned 1993-10-08
RANKIN, Colin Graham→
Resignedsecretary · appointed 2000-08-15 · resigned 2001-09-01
ROSS, Marie Isobel→
Resignedsecretary · appointed 1997-03-25 · resigned 2000-08-15
SHEPHERD, Neil Morton→
Resignedsecretary · appointed 1992-07-22 · resigned 1993-05-31
WAGNER, Deborah Anne→
Resignedsecretary · appointed 1993-10-08 · resigned 1997-03-25
WARD, Anne→
Resignedsecretary · resigned 1992-07-22
BAYLEY, Trevor John→
Resigneddirector · ~75y · appointed 1993-10-08 · resigned 1993-12-15
BUCHANAN, Richard Robertson Trail→
Resigneddirector · ~82y · appointed 1990-08-01 · resigned 1993-10-08
BURDON, Peter Vincent→
Resigneddirector · ~79y · appointed 1993-10-08 · resigned 1996-03-06
CRAINE, Roger→
Resigneddirector · ~70y · appointed 2006-04-03 · resigned 2007-04-30
DE MEULDER, Jan→
Resigneddirector · ~71y · appointed 1992-12-08 · resigned 1993-10-08
FORREST, Michael Alexander→
Resigneddirector · ~88y · resigned 1992-10-31
GREENFIELD, Richard Edward Keith→
Resigneddirector · ~70y · appointed 2005-11-03 · resigned 2007-12-31
Click a director name to see their full track record across all companies.
Mortgages & charges
46
Total charges
30
Outstanding
16
Active lenders
Status:Lender:46 of 46 shown
| Type | Properties | |||||
|---|---|---|---|---|---|---|
| outstanding | The Governor and Company of the Bank of Ireland | Mortgage | 1 property | 22/12/1993 | — | |
| outstanding | Lloyds Banking Group The Royal Bank of Scotland PLC | Legal charge | 3 properties | 16/12/1993 | — | |
| satisfied | National Westminster Bank National Westminster Bank PLC | Legal charge | 1 property | 28/04/1993 | 20/09/2024 | |
| satisfied | Lloyds Banking Group The Royal Bank of Scotland PLC | Standard security | 1 property | 23/12/1992 | 10/08/2004 | |
| outstanding | Lloyds Banking Group The Governor and Company of the Bank of Scotland | Standard security | 2 properties | 23/11/1992 | — | |
| outstanding | Midland Bank Midland Bank PLC | Legal charge | 1 property | 19/08/1992 | — | |
| outstanding | Lloyds Banking Group The Royal Bank of Scotland PLC | Legal charge | 1 property | 22/06/1992 | — | |
| satisfied | Ucb Bank Ucb Bank PLC | Standard security | 1 property | 02/06/1992 | 18/06/2008 | |
| outstanding | Lloyds Banking Group The Royal Bank of Scotland PLC | Legal charge | 2 properties | 23/03/1992 | — | |
| outstanding | Barclays Barclays Bank PLC | Legal charge | 1 property | 06/11/1991 | — | |
| outstanding | Lloyds Banking Group The Governor and Company of the Bank of Scotland | Mortgage | 1 property | 30/08/1991 | — | |
| outstanding | Lloyds Banking Group The Royal Bank of Scotland PLC | Legal charge | 2 properties | 07/05/1991 | — | |
| outstanding | Allied Irish Banks Allied Irish Banks PLC | Legal mortgage | 1 property | 02/04/1991 | — | |
| satisfied | National Westminster Bank National Westminster Bank PLC | Legal mortgage | 1 property | 27/03/1991 | 20/09/2024 | |
| satisfied | Virgin Money Clydesdale Bank Public Limited Company | Standard security | 1 property | 18/03/1991 | 08/02/2006 | |
| outstanding | Bank of Wales Bank of Wales PLC | Legal mortgage | 2 properties | 27/02/1991 | — | |
| outstanding | Lloyds Banking Group The Royal Bank of Scotland PLC | Standard security | 1 property | 22/01/1991 | — | |
| satisfied | Lloyds Banking Group The Royal Bank of Scotland PLC | Standard security | 1 property | 30/11/1990 | 09/07/2003 | |
| satisfied | National Westminster Bank National Westminster Bank PLC | Legal mortgage | 1 property | 29/11/1990 | 20/09/2024 | |
| satisfied | Lloyds Banking Group Lloyds Bank PLC | Mortgage | 1 property | 10/05/1990 | 01/05/2025 | |
| outstanding | Midland Bank Midland Bank PLC | Mortgage | 1 property | 12/04/1990 | — | |
| outstanding | U C B Bank U C B Bank PLC | Legal charge | 1 property | 19/03/1990 | — | |
| satisfied | Alliance & Leicester Building Society | Legal charge | 1 property | 29/03/1989 | 10/11/2017 | |
| outstanding | Lloyds Banking Group The Royal Bank of Scotland PLC | Legal charge | 1 property | 13/03/1989 | — | |
| satisfied | Norwich Union Fire Insurance Society | Further charge | 1 property | 24/01/1989 | 16/10/2024 | |
| outstanding | Barclays Barclays Bank PLC | Legal charge | 1 property | 23/12/1988 | — | |
| outstanding | Heather Wadsworth | Legal charge | 1 property | 24/08/1988 | — | |
| outstanding | Barclays Barclays Bank PLC | Legal charge | 1 property | 25/07/1988 | — | |
| outstanding | 3I 3I PLC | Mortgage | 1 property | 04/07/1988 | — | |
| satisfied | Lloyds Banking Group The Royal Bank of Scotland PLC | Standard security | 1 property | 22/04/1988 | 12/01/1989 | |
| satisfied | Norwich Union Fire Insurance Society Norwich Union Fire Insurance Society LTD | Legal charge | 1 property | 18/04/1988 | 16/10/2024 | |
| outstanding | Lloyds Banking Group The Royal Bank of Scotland PLC | Legal charge | 1 property | 14/04/1988 | — | |
| outstanding | Barclays Barclays Bank PLC | Legal mortgage | 1 property | 26/02/1988 | — | |
| satisfied | National Westminster Bank National Westminster Bank PLC | Mortgage | 4 properties | 27/03/1986 | 06/11/1990 | |
| outstanding | Gateway Building Society | Mortgage | 1 property | 20/12/1985 | — | |
| outstanding | Investors in Industry | Mortgage | 1 property | 04/06/1985 | — | |
| outstanding | Norwich General Trust Norwich General Trust Limited | Legal charge | 1 property | 24/05/1985 | — | |
| outstanding | Allen Charles Cole and Others | Mortgage | 1 property | 25/03/1985 | — | |
| outstanding | Barclays Barclays Bank PLC | Mortgage | 1 property | 07/03/1985 | — | |
| outstanding | Allen Charles Cole & Others | Mortgage | 1 property | 11/02/1985 | — | |
| satisfied | National Westminster Bank National Westminster Bank PLC | Mortgage | 1 property | 24/05/1984 | 20/09/2024 | |
| outstanding | The Hongkong & Shanghai Banking Corporation | Mortgage | 1 property | 23/05/1984 | — | |
| satisfied | Barclays Barclays Bank PLC | Mortgage | 1 property | 11/05/1984 | 30/08/1989 | |
| outstanding | Lloyds Banking Group The Governor and Company of the Bank of Scotland | Standard security | 1 property | 05/10/1983 | — | |
| satisfied | National Westminster Bank National Westminster Bank PLC | Legal mortgage | 1 property | 26/09/1983 | 20/09/2024 | |
| outstanding | Trafalgar House Trafalgar House LTD | Legal mortgage | 3 properties | 15/05/1981 | — |
Click column headers to sort. Use filters above to narrow by status and lender.
Recent filings (256 total)
confirmation-statement-with-no-updates
confirmation-statement · CS01
2026-04-28
appoint-person-director-company-with-name-date
officers · AP01
2026-01-26
change-corporate-secretary-company-with-change-date
officers · CH04
2025-11-13
accounts-with-accounts-type-dormant
accounts · AA
2025-07-25
mortgage-satisfy-charge-full
mortgage · MR04
2025-05-01
confirmation-statement-with-no-updates
confirmation-statement · CS01
2025-04-23
mortgage-satisfy-charge-full
mortgage · MR04
2024-10-16
mortgage-satisfy-charge-full
mortgage · MR04
2024-10-16
mortgage-satisfy-charge-full
mortgage · MR04
2024-09-20
mortgage-satisfy-charge-full
mortgage · MR04
2024-09-20
mortgage-satisfy-charge-full
mortgage · MR04
2024-09-20
mortgage-satisfy-charge-full
mortgage · MR04
2024-09-20
mortgage-satisfy-charge-full
mortgage · MR04
2024-09-20
termination-director-company-with-name-termination-date
officers · TM01
2024-08-23
appoint-person-director-company-with-name-date
officers · AP01
2024-08-23