STANDARD LIFE ASSURANCE LIMITED

🌳Matureactive
SC286833 · ltd · incorporated 2005-06-30
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
72/100
Strong
🔔
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What this business does
Primary activity: Life insurance
Sector: Financial & insurance
Investor take
Pursue
Active trading company with a 68-year-old founder — textbook succession opportunity.

Opportunity 72/100 (strong), bankability 57/100. Strong seller-intent signal (63/100, director aged 68). 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

86 live charges · 13 lenders · oldest 19.6y

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 19.6 years old — likely at or near maturity.
  • · 13 lenders named — inter-creditor friction likely.
  • · Legal-friction score 63/100 (high).

Data confidence

Overall: medium (60/100)

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
86 charges (86/86 with lender, 86/86 with type)
90
Directors & officers
67 officers (8 active, 67 linked, 61 with DOB)
88
Ownership & PSC
1 active PSC(s) of 3 total, 3 with control declared
90
Director network
11 connected companies via shared directors
78
Filing history
473 filings on record
85
Gazette notices
No matching gazette notices (standard for active companies)
60
Opportunity Score
72/100Strong
PassWatchWorth a lookStrongExceptional 

Solid opportunity signal. Worth a dedicated memo and management meeting.

Business quality
60
Adequate — check latest filings for context.
Acquirability
75
Strong succession / seller-readiness signals.
Risk profile
66
Some moderate concerns — review flags.
Signal strength
100
Good data coverage for analysis.

Recent activity

Last 30 days
4
filings
  • 3 officers
  • 1 persons-with-significant-control
Last 90 days
5
filings
  • 3 officers
  • 2 persons-with-significant-control
Last 180 days
5
filings
  • 3 officers
  • 2 persons-with-significant-control
Counts from Companies House filing history.
Corporate timeline (317 events)Click to expand
  1. 2026-05-11
    📄
    change-to-a-person-with-significant-control
    persons-with-significant-control · PSC05
  2. 2026-05-11
    📄
    change-person-director-company-with-change-date
    officers · CH01
  3. 2026-05-11
    📄
    change-person-director-company-with-change-date
    officers · CH01
  4. 2026-05-07
    CAIRNS, Arlene resigned
    director
  5. 2026-05-07
    📄
    termination-director-company-with-name-termination-date
    officers · TM01
  6. 2026-02-24
    📄
    change-to-a-person-with-significant-control
    persons-with-significant-control · PSC05
  7. 2025-11-10
    📄
    change-corporate-secretary-company-with-change-date
    officers · CH04
  8. 2025-11-03
    📄
    termination-director-company-with-name-termination-date
    officers · TM01
  9. 2025-10-31
    CRASTON, Ian Adam resigned
    director
  10. 2025-08-25
    GREGORY, Mark Julian, Mr appointed
    director
  11. 2025-08-25
    📄
    appoint-person-director-company-with-name-date
    officers · AP01
  12. 2025-08-25
    📄
    termination-director-company-with-name-termination-date
    officers · TM01
  13. 2025-08-24
    LISTER, John Robert resigned
    director
  14. 2025-07-21
    📄
    accounts-with-accounts-type-full
    accounts · AA
  15. 2025-06-17
    📄
    change-person-director-company-with-change-date
    officers · CH01
  16. 2025-05-29
    📄
    change-person-director-company-with-change-date
    officers · CH01
  17. 2025-05-08
    CURRAN, Bernard Andrew resigned
    director
  18. 2025-05-08
    📄
    termination-director-company-with-name-termination-date
    officers · TM01
  19. 2025-01-02
    📄
    appoint-person-director-company-with-name-date
    officers · AP01
  20. 2025-01-02
    📄
    termination-director-company-with-name-termination-date
    officers · TM01
  21. 2025-01-01
    MUIR, Martin John appointed
    director
  22. 2024-12-31
    POYNTZ-WRIGHT, Nicholas Hugh resigned
    director
  23. 2024-09-11
    📄
    auditors-resignation-company
    auditors · AUD
  24. 2024-08-19
    MEANEY, Brid Mary resigned
    director
  25. 2024-08-19
    📄
    termination-director-company-with-name-termination-date
    officers · TM01
  26. 2024-08-13
    📄
    termination-director-company-with-name-termination-date
    officers · TM01
  27. 2024-07-31
    THAKRAR, Rakesh Kishore resigned
    director
  28. 2024-06-21
    📄
    accounts-with-accounts-type-full
    accounts · AA
  29. 2024-05-02
    📄
    termination-director-company-with-name-termination-date
    officers · TM01
  30. 2024-05-02
    📄
    appoint-person-director-company-with-name-date
    officers · AP01
  31. 2024-05-01
    COOK, Karin Alexandra appointed
    director
  32. 2024-04-30
    BOWE, Amanda Helen resigned
    director
  33. 2024-04-02
    📄
    appoint-person-director-company-with-name-date
    officers · AP01
  34. 2024-04-02
    📄
    termination-director-company-with-name-termination-date
    officers · TM01
  35. 2024-04-01
    CAIRNS, Arlene appointed
    director
  36. 2024-03-31
    MAYES, Peter Kane resigned
    director
  37. 2023-12-15
    🔒
    Charge registered #87
    Lender: Goldman Sachs International
  38. 2023-10-20
    🔓
    Charge satisfied #68
  39. 2023-06-15
    🔓
    Charge satisfied #60
  40. 2023-06-15
    🔓
    Charge satisfied #57
  41. 2023-06-15
    🔓
    Charge satisfied #52
  42. 2023-06-01
    GILL, Jora Singh appointed
    director
  43. 2023-06-01
    CRASTON, Ian Adam appointed
    director
  44. 2023-05-25
    🔓
    Charge satisfied #56
  45. 2023-05-25
    🔓
    Charge satisfied #55
  46. 2023-05-25
    🔓
    Charge satisfied #54
  47. 2023-05-24
    🔓
    Charge satisfied #70
  48. 2023-05-24
    🔓
    Charge satisfied #69
  49. 2023-05-24
    🔓
    Charge satisfied #66
  50. 2023-05-24
    🔓
    Charge satisfied #65
Showing most recent 50 of 317 events

Owner dependency

63/100
High — earn-out structure required

Material founder dependency. Consider a 2-3 year earn-out and build in a handover plan before completion.

FACTORS
  • -7 active directors: Broader management team in place — suggests transferable governance.
  • +Founder age: Director aged approximately 68 — succession pressure is live.
  • +Family involvement: Multiple officers share a surname — likely family business, which concentrates governance.

Succession & seller-readiness

50/100
Moderate signal

Some succession indicators present. Worth watching; approach if sector/strategy fits.

SIGNALS
  • primaryFounder aged 63+: Senior director is approximately 68. Approaching typical UK retirement age — succession thinking likely.

Red flags

2 med · 1 low
3 director resignations in last 12 months
medium

Multiple recent departures can indicate governance disagreement, succession event, or preparation for sale/stress.

Evidence: CAIRNS, Arlene resigned 2026-05-07; CRASTON, Ian Adam resigned 2025-10-31; LISTER, John Robert resigned 2025-08-24

Charge satisfaction-then-recreation pattern
medium

Multiple instances where a charge was satisfied and a new charge created within 6 months. Suggests active refinancing cycle.

5 live charges
low

Heavily leveraged with multiple live security positions — understand the capital structure before proceeding.

Group structure

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

🏛️
Standard Life Plc
Corporate parent · holds 75-100% shares · board control
ultimate parent
STANDARD LIFE ASSURANCE LIMITED
This company · SC286833

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
Standard Life Plc
Corporate entity
75100%
75–100%board control75-100% shares · 75-100% voting · board control13/12/2018
2 historic (ceased) PSCs
  • Phoenix Group Holdingsceased 13/12/2018· 75-100% shares · 75-100% voting · board control
  • Standard Life Aberdeen Plcceased 31/08/2018· 75-100% shares · 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

8 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
Incorporated2005-06-30
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 (8 active · 59 resigned)

PEARL GROUP SECRETARIAT SERVICES LIMITED
corporate-secretary · appointed 2018-08-31
View their other companies + combined net worth →
Active
BRIGGS, Andrew David
director · ~60y · appointed 2022-10-01
View their other companies + combined net worth →
Active
COOK, Karin Alexandra
director · ~60y · appointed 2024-05-01
View their other companies + combined net worth →
Active
GILL, Jora Singh
director · ~61y · appointed 2023-06-01
View their other companies + combined net worth →
Active
GREGORY, Mark Julian, Mr
director · ~63y · appointed 2025-08-25
View their other companies + combined net worth →
Active
HARRIS, Rosemary
director · ~68y · appointed 2022-01-01
View their other companies + combined net worth →
Active
HARRIS, Timothy Walter
director · ~57y · appointed 2022-05-01
View their other companies + combined net worth →
Active
MUIR, Martin John
director · ~59y · appointed 2025-01-01
View their other companies + combined net worth →
Active
BURNS, Simon Alexander Dawson
secretary · appointed 2005-08-26 · resigned 2013-08-31
Resigned
HORSBURGH, Frances Margaret
secretary · appointed 2015-01-22 · resigned 2018-08-31
Resigned
TYSON, Peter Trygve
secretary · appointed 2013-08-31 · resigned 2015-01-22
Resigned
D.W. COMPANY SERVICES LIMITED
corporate-nominee-secretary · appointed 2005-06-30 · resigned 2005-08-26
Resigned
ATKINSON, Michael Kent
director · ~81y · appointed 2007-10-01 · resigned 2008-12-12
Resigned
ATKINSON, Michael Kent
director · ~81y · appointed 2005-08-26 · resigned 2007-05-29
Resigned
BLACKWELL, Norman Roy, Lord
director · ~74y · appointed 2005-08-26 · resigned 2010-03-31
Resigned
BOURKE, Evelyn Brigid
director · ~61y · appointed 2006-08-07 · resigned 2008-11-07
Resigned
BOWE, Amanda Helen
director · ~58y · appointed 2016-10-24 · resigned 2024-04-30
Resigned
BROWN, Anthony
director · ~65y · appointed 2007-10-01 · resigned 2008-05-12
Resigned
CAIRNS, Arlene
director · ~48y · appointed 2024-04-01 · resigned 2026-05-07
Resigned
CLARKE, Stephen Andrew
director · ~72y · appointed 2018-08-31 · resigned 2022-10-01
Resigned

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

Mortgages & charges

86
Total charges
5
Outstanding
4
Active lenders
Status:Lender:86 of 86 shown
TypeProperties
outstanding
Goldman Sachs International
A registered charge15/12/2023
outstanding
Standard Life International Dac
A registered charge29/03/2019
outstanding
Standard Life International Dac
A registered charge29/03/2019
satisfied
Aodhan Cremin / Orla Collins / Sinead Cullen / Colm Fagan
A registered charge1 property20/12/201614/12/2018
satisfied
George Farmiloe & Sons
George Farmiloe & Sons Limited
A registered charge1 property29/01/201613/01/2021
satisfied
Barclays
Barclays Bank PLC
A registered charge1 property17/02/201510/05/2021
satisfied
Danske Bank a/S
Deed of mortgage and charge1 property29/02/201203/08/2019
satisfied
Danske Bank a/S
Deed of mortgage and charge1 property29/02/201222/05/2023
satisfied
Danske Bank a/S
Deed of mortgage and charge1 property29/02/201222/05/2023
satisfied
Danske Bank a/S
Deed of mortgage and charge1 property29/02/201203/08/2019
satisfied
Danske Bank a/S
Deed of mortgage and charge1 property29/02/201203/08/2019
satisfied
Danske Bank a/S
Deed of mortgage and charge1 property29/02/201224/05/2023
satisfied
Danske Bank a/S
Deed of mortgage and charge1 property29/02/201224/05/2023
satisfied
Danske Bank a/S
Deed of mortgage and charge1 property29/02/201220/10/2023
satisfied
Danske Bank a/S
Deed of mortgage and charge1 property29/02/201203/08/2019
satisfied
Danske Bank a/S
Deed of mortgage and charge1 property29/02/201224/05/2023
satisfied
Danske Bank a/S
Deed of mortgage and charge1 property29/02/201224/05/2023
satisfied
Danske Bank a/S
Deed of mortgage and charge1 property29/02/201224/05/2023
satisfied
Danske Bank a/S
Deed of mortgage and charge1 property29/02/201215/07/2015
satisfied
Danske Bank a/S
Deed of mortgage and charge1 property29/02/201224/05/2023
satisfied
Danske Bank a/S
Deed of mortgage and charge1 property29/02/201224/05/2023
satisfied
Danske Bank a/S
Deed of mortgage and charge1 property29/02/201215/06/2023
satisfied
Danske Bank a/S
Deed of mortgage and charge1 property29/02/201203/08/2019
satisfied
Danske Bank a/S
Deed of mortgage and charge1 property29/02/201203/08/2019
satisfied
Danske Bank a/S
Deed of mortgage and charge1 property29/02/201215/06/2023
satisfied
Danske Bank a/S
Deed of mortgage and charge1 property29/02/201225/05/2023
satisfied
Danske Bank a/S
Deed of mortgage and charge1 property29/02/201225/05/2023
satisfied
Danske Bank a/S
Deed of mortgage and charge1 property29/02/201225/05/2023
satisfied
Danske Bank a/S
Deed of mortgage and charge1 property29/02/201203/08/2019
satisfied
Danske Bank a/S
Deed of mortgage and charge1 property29/02/201215/06/2023
satisfied
Danske Bank a/S
Deed of mortgage and charge1 property29/02/201203/08/2019
satisfied
Danske Bank a/S
Deed of mortgage and charge1 property29/02/201203/08/2019
satisfied
Danske Bank a/S
Deed of mortgage and charge1 property29/02/201222/05/2023
satisfied
Danske Bank a/S
Deed of mortgage and charge1 property29/02/201203/08/2019
satisfied
Kbc Bank Ireland
Kbc Bank Ireland PLC
Housing loan mortgage1 property22/02/201215/07/2015
satisfied
Kbc Bank Ireland
Kbc Bank Ireland PLC
Housing loan mortgage1 property22/02/201224/05/2023
satisfied
Kbc Bank Ireland
Kbc Bank Ireland PLC
Housing loan mortgage1 property22/02/201203/08/2019
satisfied
Kbc Bank Ireland
Kbc Bank Ireland PLC
Housing loan mortgage1 property22/02/201215/07/2015
satisfied
Kbc Bank Ireland
Kbc Bank Ireland PLC
Housing loan mortgage1 property22/02/201203/08/2019
satisfied
Deutsche Postbank Ag
Legal charge1 property22/11/201002/10/2014
satisfied
Barclays
Barclays Bank PLC
Charge1 property28/01/201028/11/2019
satisfied
Barclays
Barclays Bank PLC
Charge1 property01/12/200904/02/2019
satisfied
Barclays
Barclays Bank PLC
Charge1 property01/12/200904/02/2019
satisfied
Barclays
Barclays Bank PLC
Charge1 property01/12/200904/02/2019
satisfied
Barclays
Barclays Bank PLC
Charge1 property15/09/200916/07/2015
satisfied
Barclays
Barclays Bank PLC
Charge1 property02/09/200910/05/2021
satisfied
Barclays
Barclays Bank PLC
Charge1 property28/08/200910/05/2021
satisfied
Barclays
Barclays Bank PLC
Charge1 property13/03/200916/07/2015
satisfied
Barclays
Barclays Bank PLC
Charge1 property13/03/200904/02/2019
satisfied
Barclays
Barclays Bank PLC
Charge1 property27/02/200904/02/2019
satisfied
Kbc Homeloans
Kbc Homeloans Limited
Charge1 property07/01/200926/04/2021
satisfied
Kbc Homeloans
Kbc Homeloans Limited
Charge1 property07/01/200926/04/2021
satisfied
Kbc Homeloans
Kbc Homeloans Limited
Charge1 property07/01/200926/04/2021
satisfied
Kbc Homeloans
Kbc Homeloans Limited
Charge1 property07/01/200926/04/2021
satisfied
Kbc Homeloans
Kbc Homeloans Limited
Charge1 property07/01/200904/02/2019
satisfied
Kbc Homeloans
Kbc Homeloans Limited
Charge1 property07/01/200926/04/2021
satisfied
Kbc Homeloans
Kbc Homeloans Limited
Charge1 property07/01/200926/04/2021
satisfied
Kbc Homeloans
Kbc Homeloans Limited
Charge1 property07/01/200926/04/2021
satisfied
Kbc Homeloans
Kbc Homeloans Limited
Charge1 property07/01/200904/02/2019
satisfied
Kbc Homeloans
Kbc Homeloans Limited
Charge1 property07/01/200926/04/2021
satisfied
Kbc Homeloans
Kbc Homeloans Limited
Charge1 property07/01/200904/02/2019
satisfied
Kbc Homeloans
Kbc Homeloans Limited
Charge1 property07/01/200916/07/2015
satisfied
Kbc Homeloans
Charge1 property24/12/200810/05/2021
satisfied
Barclays
Barclays Bank PLC
Charge1 property14/11/200828/11/2019
satisfied
Iib Homeloans
Iib Homeloans Limited
Charge1 property22/08/200810/05/2021
satisfied
Iib Homeloans
Iib Homeloans Limited
Charge1 property22/08/200810/05/2021
satisfied
Barclays
Barclays Bank PLC
Charge1 property17/06/200810/05/2021
satisfied
Iib Homeloans
Iib Homeloans Limited
Charge1 property01/04/200804/02/2019
outstanding
Canada Life International Re
Canada Life International Re Limited
Deed of charge1 property13/02/2008
satisfied
Iib Homeloans
Iib Homeloans Limited
Charge1 property21/01/200828/11/2019
satisfied
Iib Homeloans
Iib Homeloans Limited
Charge1 property17/12/200716/07/2015
satisfied
Iib Homeloans
Iib Homeloans Limited
Charge1 property17/12/200726/04/2021
satisfied
Iib Homeloans
Iib Homeloans Limited
Charge1 property17/12/200716/07/2015
satisfied
Barclays
Barclays Bank PLC
Charge1 property28/11/200728/11/2019
satisfied
Iib Homeloans
Iib Homeloans Limited
Charge1 property15/11/200726/04/2021
satisfied
Iib Homeloans
Iib Homeloans Limited
Charge1 property14/11/200728/11/2019
satisfied
Iib Homeloans
Iib Homeloans Limited
Charge1 property14/11/200728/11/2019
satisfied
Iib Homeloans
Iib Homeloans Limited
Charge1 property14/11/200726/04/2021
satisfied
Iib Homeloans
Iib Homeloans Limited
Charge1 property13/11/200726/04/2021
satisfied
Iib Homeloans
Iib Homeloans Limited
Charge1 property13/11/200710/05/2021
satisfied
Iib Homeloans
Iib Homeloans Limited
Charge1 property01/11/200728/11/2019
satisfied
Iib Homeloans
Iib Homeloans Limited
Charge1 property11/05/200716/07/2015
satisfied
Iib Homeloans
Iib Homeloans Limited
Charge1 property04/05/200716/07/2015
satisfied
Iib Homeloans
Iib Homeloans Limited
Charge1 property06/12/200604/02/2019
satisfied
Iib Homeloans
Iib Homeloans Limited
Charge1 property06/12/200604/02/2019
outstanding
The Law Debenture Trust Corporation
The Law Debenture Trust Corporation PLC
Floating charge1 property12/10/2006
Click column headers to sort. Use filters above to narrow by status and lender.

Recent filings (473 total)

change-to-a-person-with-significant-control
persons-with-significant-control · PSC05
2026-05-11
change-person-director-company-with-change-date
officers · CH01
2026-05-11
change-person-director-company-with-change-date
officers · CH01
2026-05-11
termination-director-company-with-name-termination-date
officers · TM01
2026-05-07
change-to-a-person-with-significant-control
persons-with-significant-control · PSC05
2026-02-24
change-corporate-secretary-company-with-change-date
officers · CH04
2025-11-10
termination-director-company-with-name-termination-date
officers · TM01
2025-11-03
appoint-person-director-company-with-name-date
officers · AP01
2025-08-25
termination-director-company-with-name-termination-date
officers · TM01
2025-08-25
accounts-with-accounts-type-full
accounts · AA
2025-07-21
confirmation-statement-with-no-updates
confirmation-statement · CS01
2025-06-18
change-person-director-company-with-change-date
officers · CH01
2025-06-17
change-person-director-company-with-change-date
officers · CH01
2025-05-29
termination-director-company-with-name-termination-date
officers · TM01
2025-05-08
appoint-person-director-company-with-name-date
officers · AP01
2025-01-02