STANDARD LIFE ASSURANCE LIMITED
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
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.
Solid opportunity signal. Worth a dedicated memo and management meeting.
Recent activity
- • 3 officers
- • 1 persons-with-significant-control
- • 3 officers
- • 2 persons-with-significant-control
- • 3 officers
- • 2 persons-with-significant-control
Corporate timeline (317 events)Click to expand
- 2026-05-11📄change-to-a-person-with-significant-controlpersons-with-significant-control · PSC05
- 2026-05-11📄change-person-director-company-with-change-dateofficers · CH01
- 2026-05-11📄change-person-director-company-with-change-dateofficers · CH01
- 2026-05-07➖CAIRNS, Arlene resigneddirector
- 2026-05-07📄termination-director-company-with-name-termination-dateofficers · TM01
- 2026-02-24📄change-to-a-person-with-significant-controlpersons-with-significant-control · PSC05
- 2025-11-10📄change-corporate-secretary-company-with-change-dateofficers · CH04
- 2025-11-03📄termination-director-company-with-name-termination-dateofficers · TM01
- 2025-10-31➖CRASTON, Ian Adam resigneddirector
- 2025-08-25➕GREGORY, Mark Julian, Mr appointeddirector
- 2025-08-25📄appoint-person-director-company-with-name-dateofficers · AP01
- 2025-08-25📄termination-director-company-with-name-termination-dateofficers · TM01
- 2025-08-24➖LISTER, John Robert resigneddirector
- 2025-07-21📄accounts-with-accounts-type-fullaccounts · AA
- 2025-06-17📄change-person-director-company-with-change-dateofficers · CH01
- 2025-05-29📄change-person-director-company-with-change-dateofficers · CH01
- 2025-05-08➖CURRAN, Bernard Andrew resigneddirector
- 2025-05-08📄termination-director-company-with-name-termination-dateofficers · TM01
- 2025-01-02📄appoint-person-director-company-with-name-dateofficers · AP01
- 2025-01-02📄termination-director-company-with-name-termination-dateofficers · TM01
- 2025-01-01➕MUIR, Martin John appointeddirector
- 2024-12-31➖POYNTZ-WRIGHT, Nicholas Hugh resigneddirector
- 2024-09-11📄auditors-resignation-companyauditors · AUD
- 2024-08-19➖MEANEY, Brid Mary resigneddirector
- 2024-08-19📄termination-director-company-with-name-termination-dateofficers · TM01
- 2024-08-13📄termination-director-company-with-name-termination-dateofficers · TM01
- 2024-07-31➖THAKRAR, Rakesh Kishore resigneddirector
- 2024-06-21📄accounts-with-accounts-type-fullaccounts · AA
- 2024-05-02📄termination-director-company-with-name-termination-dateofficers · TM01
- 2024-05-02📄appoint-person-director-company-with-name-dateofficers · AP01
- 2024-05-01➕COOK, Karin Alexandra appointeddirector
- 2024-04-30➖BOWE, Amanda Helen resigneddirector
- 2024-04-02📄appoint-person-director-company-with-name-dateofficers · AP01
- 2024-04-02📄termination-director-company-with-name-termination-dateofficers · TM01
- 2024-04-01➕CAIRNS, Arlene appointeddirector
- 2024-03-31➖MAYES, Peter Kane resigneddirector
- 2023-12-15🔒Charge registered #87Lender: Goldman Sachs International
- 2023-10-20🔓Charge satisfied #68
- 2023-06-15🔓Charge satisfied #60
- 2023-06-15🔓Charge satisfied #57
- 2023-06-15🔓Charge satisfied #52
- 2023-06-01➕GILL, Jora Singh appointeddirector
- 2023-06-01➕CRASTON, Ian Adam appointeddirector
- 2023-05-25🔓Charge satisfied #56
- 2023-05-25🔓Charge satisfied #55
- 2023-05-25🔓Charge satisfied #54
- 2023-05-24🔓Charge satisfied #70
- 2023-05-24🔓Charge satisfied #69
- 2023-05-24🔓Charge satisfied #66
- 2023-05-24🔓Charge satisfied #65
Owner dependency
Material founder dependency. Consider a 2-3 year earn-out and build in a handover plan before completion.
- -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
Some succession indicators present. Worth watching; approach if sector/strategy fits.
- primaryFounder aged 63+: Senior director is approximately 68. Approaching typical UK retirement age — succession thinking likely.
Red flags
2 med · 1 lowMultiple 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
Multiple instances where a charge was satisfied and a new charge created within 6 months. Suggests active refinancing cycle.
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.
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 |
|---|---|---|---|---|
Standard Life Plc Corporate entity | 75–100% | 75–100% | board control75-100% shares · 75-100% voting · board control | 13/12/2018 |
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.
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 · EH postcode area| Company | Est. value | Turnover | Net worth | Staff | Age | Opp | Director |
|---|---|---|---|---|---|---|---|
| AMATI GLOBAL INVESTORS LIMITED→ SC199908 · est 1999 | £8.90M £6.47M–£11.33M | — | — | 2800 | 26y | 84 | 66y |
| CS MANAGERS LTD→ SC231678 · est 2002 | £1.50M £1.09M–£1.91M | — | — | 1200 | 24y | 86 | 77y |
| GBCP VII (GENERAL PARTNER) LIMITED→ SC253395 · est 2003 · no financials extracted | — | — | — | — | 22y | 83 | 62y |
| NOBLE GROSSART LIMITED→ SC046265 · est 1969 · no financials extracted | — | — | — | — | 57y | 83 | 72y |
| PREMIER COMMERCIAL LIMITED→ SC160330 · est 1995 | — | — | £282.5k | — | 30y | 83 | 61y |
| RIA CAPITAL MARKETS LIMITED→ SC226461 · est 2001 · no financials extracted | — | — | — | — | 24y | 83 | 58y |
| SCOTIA WEALTH MANAGEMENT LTD.→ SC267795 · est 2004 | — | — | — | 1300 | 22y | 83 | 58y |
| ALAN STEEL (ASSET MANAGEMENT) LIMITED→ SC058014 · est 1975 | — | — | — | 44 | 50y | 82 | 62y |
| ALEX HAMMOND-CHAMBERS & COMPANY→ SC126819 · est 1990 · no financials extracted | — | — | — | — | 35y | 82 | 84y |
| BANDRON LIMITED→ SC082385 · est 1983 | — | — | — | 400 | 43y | 82 | 71y |
| BRIDGEPOINT EUROPE (SGP) LTD→ SC332267 · est 2007 · no financials extracted | — | — | — | — | 18y | 82 | 61y |
| FAMILY & BUSINESS ASSURANCE (SERVICES) LIMITED→ SC347357 · est 2008 | — | — | £50.9k | — | 17y | 82 | 67y |
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 →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
Registered office
Filing status
Officers (8 active · 59 resigned)
Click a director name to see their full track record across all companies.
Mortgages & charges
| Type | Properties | |||||
|---|---|---|---|---|---|---|
| outstanding | Goldman Sachs International | A registered charge | — | 15/12/2023 | — | |
| outstanding | Standard Life International Dac | A registered charge | — | 29/03/2019 | — | |
| outstanding | Standard Life International Dac | A registered charge | — | 29/03/2019 | — | |
| satisfied | Aodhan Cremin / Orla Collins / Sinead Cullen / Colm Fagan | A registered charge | 1 property | 20/12/2016 | 14/12/2018 | |
| satisfied | George Farmiloe & Sons George Farmiloe & Sons Limited | A registered charge | 1 property | 29/01/2016 | 13/01/2021 | |
| satisfied | Barclays Barclays Bank PLC | A registered charge | 1 property | 17/02/2015 | 10/05/2021 | |
| satisfied | Danske Bank a/S | Deed of mortgage and charge | 1 property | 29/02/2012 | 03/08/2019 | |
| satisfied | Danske Bank a/S | Deed of mortgage and charge | 1 property | 29/02/2012 | 22/05/2023 | |
| satisfied | Danske Bank a/S | Deed of mortgage and charge | 1 property | 29/02/2012 | 22/05/2023 | |
| satisfied | Danske Bank a/S | Deed of mortgage and charge | 1 property | 29/02/2012 | 03/08/2019 | |
| satisfied | Danske Bank a/S | Deed of mortgage and charge | 1 property | 29/02/2012 | 03/08/2019 | |
| satisfied | Danske Bank a/S | Deed of mortgage and charge | 1 property | 29/02/2012 | 24/05/2023 | |
| satisfied | Danske Bank a/S | Deed of mortgage and charge | 1 property | 29/02/2012 | 24/05/2023 | |
| satisfied | Danske Bank a/S | Deed of mortgage and charge | 1 property | 29/02/2012 | 20/10/2023 | |
| satisfied | Danske Bank a/S | Deed of mortgage and charge | 1 property | 29/02/2012 | 03/08/2019 | |
| satisfied | Danske Bank a/S | Deed of mortgage and charge | 1 property | 29/02/2012 | 24/05/2023 | |
| satisfied | Danske Bank a/S | Deed of mortgage and charge | 1 property | 29/02/2012 | 24/05/2023 | |
| satisfied | Danske Bank a/S | Deed of mortgage and charge | 1 property | 29/02/2012 | 24/05/2023 | |
| satisfied | Danske Bank a/S | Deed of mortgage and charge | 1 property | 29/02/2012 | 15/07/2015 | |
| satisfied | Danske Bank a/S | Deed of mortgage and charge | 1 property | 29/02/2012 | 24/05/2023 | |
| satisfied | Danske Bank a/S | Deed of mortgage and charge | 1 property | 29/02/2012 | 24/05/2023 | |
| satisfied | Danske Bank a/S | Deed of mortgage and charge | 1 property | 29/02/2012 | 15/06/2023 | |
| satisfied | Danske Bank a/S | Deed of mortgage and charge | 1 property | 29/02/2012 | 03/08/2019 | |
| satisfied | Danske Bank a/S | Deed of mortgage and charge | 1 property | 29/02/2012 | 03/08/2019 | |
| satisfied | Danske Bank a/S | Deed of mortgage and charge | 1 property | 29/02/2012 | 15/06/2023 | |
| satisfied | Danske Bank a/S | Deed of mortgage and charge | 1 property | 29/02/2012 | 25/05/2023 | |
| satisfied | Danske Bank a/S | Deed of mortgage and charge | 1 property | 29/02/2012 | 25/05/2023 | |
| satisfied | Danske Bank a/S | Deed of mortgage and charge | 1 property | 29/02/2012 | 25/05/2023 | |
| satisfied | Danske Bank a/S | Deed of mortgage and charge | 1 property | 29/02/2012 | 03/08/2019 | |
| satisfied | Danske Bank a/S | Deed of mortgage and charge | 1 property | 29/02/2012 | 15/06/2023 | |
| satisfied | Danske Bank a/S | Deed of mortgage and charge | 1 property | 29/02/2012 | 03/08/2019 | |
| satisfied | Danske Bank a/S | Deed of mortgage and charge | 1 property | 29/02/2012 | 03/08/2019 | |
| satisfied | Danske Bank a/S | Deed of mortgage and charge | 1 property | 29/02/2012 | 22/05/2023 | |
| satisfied | Danske Bank a/S | Deed of mortgage and charge | 1 property | 29/02/2012 | 03/08/2019 | |
| satisfied | Kbc Bank Ireland Kbc Bank Ireland PLC | Housing loan mortgage | 1 property | 22/02/2012 | 15/07/2015 | |
| satisfied | Kbc Bank Ireland Kbc Bank Ireland PLC | Housing loan mortgage | 1 property | 22/02/2012 | 24/05/2023 | |
| satisfied | Kbc Bank Ireland Kbc Bank Ireland PLC | Housing loan mortgage | 1 property | 22/02/2012 | 03/08/2019 | |
| satisfied | Kbc Bank Ireland Kbc Bank Ireland PLC | Housing loan mortgage | 1 property | 22/02/2012 | 15/07/2015 | |
| satisfied | Kbc Bank Ireland Kbc Bank Ireland PLC | Housing loan mortgage | 1 property | 22/02/2012 | 03/08/2019 | |
| satisfied | Deutsche Postbank Ag | Legal charge | 1 property | 22/11/2010 | 02/10/2014 | |
| satisfied | Barclays Barclays Bank PLC | Charge | 1 property | 28/01/2010 | 28/11/2019 | |
| satisfied | Barclays Barclays Bank PLC | Charge | 1 property | 01/12/2009 | 04/02/2019 | |
| satisfied | Barclays Barclays Bank PLC | Charge | 1 property | 01/12/2009 | 04/02/2019 | |
| satisfied | Barclays Barclays Bank PLC | Charge | 1 property | 01/12/2009 | 04/02/2019 | |
| satisfied | Barclays Barclays Bank PLC | Charge | 1 property | 15/09/2009 | 16/07/2015 | |
| satisfied | Barclays Barclays Bank PLC | Charge | 1 property | 02/09/2009 | 10/05/2021 | |
| satisfied | Barclays Barclays Bank PLC | Charge | 1 property | 28/08/2009 | 10/05/2021 | |
| satisfied | Barclays Barclays Bank PLC | Charge | 1 property | 13/03/2009 | 16/07/2015 | |
| satisfied | Barclays Barclays Bank PLC | Charge | 1 property | 13/03/2009 | 04/02/2019 | |
| satisfied | Barclays Barclays Bank PLC | Charge | 1 property | 27/02/2009 | 04/02/2019 | |
| satisfied | Kbc Homeloans Kbc Homeloans Limited | Charge | 1 property | 07/01/2009 | 26/04/2021 | |
| satisfied | Kbc Homeloans Kbc Homeloans Limited | Charge | 1 property | 07/01/2009 | 26/04/2021 | |
| satisfied | Kbc Homeloans Kbc Homeloans Limited | Charge | 1 property | 07/01/2009 | 26/04/2021 | |
| satisfied | Kbc Homeloans Kbc Homeloans Limited | Charge | 1 property | 07/01/2009 | 26/04/2021 | |
| satisfied | Kbc Homeloans Kbc Homeloans Limited | Charge | 1 property | 07/01/2009 | 04/02/2019 | |
| satisfied | Kbc Homeloans Kbc Homeloans Limited | Charge | 1 property | 07/01/2009 | 26/04/2021 | |
| satisfied | Kbc Homeloans Kbc Homeloans Limited | Charge | 1 property | 07/01/2009 | 26/04/2021 | |
| satisfied | Kbc Homeloans Kbc Homeloans Limited | Charge | 1 property | 07/01/2009 | 26/04/2021 | |
| satisfied | Kbc Homeloans Kbc Homeloans Limited | Charge | 1 property | 07/01/2009 | 04/02/2019 | |
| satisfied | Kbc Homeloans Kbc Homeloans Limited | Charge | 1 property | 07/01/2009 | 26/04/2021 | |
| satisfied | Kbc Homeloans Kbc Homeloans Limited | Charge | 1 property | 07/01/2009 | 04/02/2019 | |
| satisfied | Kbc Homeloans Kbc Homeloans Limited | Charge | 1 property | 07/01/2009 | 16/07/2015 | |
| satisfied | Kbc Homeloans | Charge | 1 property | 24/12/2008 | 10/05/2021 | |
| satisfied | Barclays Barclays Bank PLC | Charge | 1 property | 14/11/2008 | 28/11/2019 | |
| satisfied | Iib Homeloans Iib Homeloans Limited | Charge | 1 property | 22/08/2008 | 10/05/2021 | |
| satisfied | Iib Homeloans Iib Homeloans Limited | Charge | 1 property | 22/08/2008 | 10/05/2021 | |
| satisfied | Barclays Barclays Bank PLC | Charge | 1 property | 17/06/2008 | 10/05/2021 | |
| satisfied | Iib Homeloans Iib Homeloans Limited | Charge | 1 property | 01/04/2008 | 04/02/2019 | |
| outstanding | Canada Life International Re Canada Life International Re Limited | Deed of charge | 1 property | 13/02/2008 | — | |
| satisfied | Iib Homeloans Iib Homeloans Limited | Charge | 1 property | 21/01/2008 | 28/11/2019 | |
| satisfied | Iib Homeloans Iib Homeloans Limited | Charge | 1 property | 17/12/2007 | 16/07/2015 | |
| satisfied | Iib Homeloans Iib Homeloans Limited | Charge | 1 property | 17/12/2007 | 26/04/2021 | |
| satisfied | Iib Homeloans Iib Homeloans Limited | Charge | 1 property | 17/12/2007 | 16/07/2015 | |
| satisfied | Barclays Barclays Bank PLC | Charge | 1 property | 28/11/2007 | 28/11/2019 | |
| satisfied | Iib Homeloans Iib Homeloans Limited | Charge | 1 property | 15/11/2007 | 26/04/2021 | |
| satisfied | Iib Homeloans Iib Homeloans Limited | Charge | 1 property | 14/11/2007 | 28/11/2019 | |
| satisfied | Iib Homeloans Iib Homeloans Limited | Charge | 1 property | 14/11/2007 | 28/11/2019 | |
| satisfied | Iib Homeloans Iib Homeloans Limited | Charge | 1 property | 14/11/2007 | 26/04/2021 | |
| satisfied | Iib Homeloans Iib Homeloans Limited | Charge | 1 property | 13/11/2007 | 26/04/2021 | |
| satisfied | Iib Homeloans Iib Homeloans Limited | Charge | 1 property | 13/11/2007 | 10/05/2021 | |
| satisfied | Iib Homeloans Iib Homeloans Limited | Charge | 1 property | 01/11/2007 | 28/11/2019 | |
| satisfied | Iib Homeloans Iib Homeloans Limited | Charge | 1 property | 11/05/2007 | 16/07/2015 | |
| satisfied | Iib Homeloans Iib Homeloans Limited | Charge | 1 property | 04/05/2007 | 16/07/2015 | |
| satisfied | Iib Homeloans Iib Homeloans Limited | Charge | 1 property | 06/12/2006 | 04/02/2019 | |
| satisfied | Iib Homeloans Iib Homeloans Limited | Charge | 1 property | 06/12/2006 | 04/02/2019 | |
| outstanding | The Law Debenture Trust Corporation The Law Debenture Trust Corporation PLC | Floating charge | 1 property | 12/10/2006 | — |