SCOTTISH WIDOWS' FUND AND LIFE ASSURANCE SOCIETY
🏛️Establishedactive
SZ000002 · unregistered-company
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
68/100
Strong
What this business does
Primary activity: Life insurance
Sector: Financial & insurance
Investor take
PursueActive trading company. Reasonable fundamentals — worth a memo before deciding.
Opportunity 68/100 (strong), bankability 70/100. Share purchase looks the cleaner deal structure. Most likely exit: strategic trade sale (73/100).
Data confidence
Overall: medium (58/100)Adequate coverage. AI outputs are reliable for the sections scored high; verify the rest in diligence.
Company profile
address, 1 SIC codes, no incorp date
85
Financials
No iXBRL financials extracted
0
Lenders & charges
Confirmed no charges registered
85
Directors & officers
47 officers (3 active, 47 linked, 36 with DOB)
85
Ownership & PSC
1 active PSC(s) of 1 total, 1 with control declared
90
Director network
10 connected companies via shared directors
75
Filing history
210 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
85
Few red flags.
Signal strength
80
Good data coverage for analysis.
Recent activity
Last 30 days
0
filings
Last 90 days
2
filings
- • 1 confirmation-statement
- • 1 accounts
Last 180 days
4
filings
- • 2 officers
- • 1 confirmation-statement
- • 1 accounts
Counts from Companies House filing history.
Corporate timeline (110 events)Click to expand
- 2026-03-11📄accounts-with-accounts-type-dormantaccounts · AA
- 2025-12-09📄appoint-person-director-company-with-name-dateofficers · AP01
- 2025-12-09📄termination-director-company-with-name-termination-dateofficers · TM01
- 2025-11-27➕BEZUIDENHOUT, Jacques Lodewickus appointeddirector
- 2025-11-27➖COMER, Sophie Alexandra resigneddirector
- 2025-06-11📄accounts-with-accounts-type-dormantaccounts · AA
- 2025-03-11📄termination-director-company-with-name-termination-dateofficers · TM01
- 2025-03-11📄appoint-person-director-company-with-name-dateofficers · AP01
- 2025-03-01➕GILLAN, Mark John appointeddirector
- 2025-03-01➖MCGOWAN, Iain Ross resigneddirector
- 2024-12-12📄change-person-director-company-with-change-dateofficers · CH01
- 2024-12-12📍change-registered-office-address-company-with-date-old-address-new-addressaddress · AD01
- 2024-05-23📄accounts-with-accounts-type-dormantaccounts · AA
- 2024-02-15📄change-person-director-company-with-change-dateofficers · CH01
- 2023-09-20📄appoint-person-director-company-with-name-dateofficers · AP01
- 2023-09-20📄termination-director-company-with-name-termination-dateofficers · TM01
- 2023-09-13📄accounts-with-accounts-type-dormantaccounts · AA
- 2023-09-05➕COMER, Sophie Alexandra appointeddirector
- 2023-09-04➖GUILD, Scott Cameron resigneddirector
- 2022-07-07📄accounts-with-accounts-type-dormantaccounts · AA
- 2022-04-01📄appoint-person-secretary-company-with-name-dateofficers · AP03
- 2022-04-01📄termination-secretary-company-with-name-termination-dateofficers · TM02
- 2022-03-29➕MCKAY, Karen Joanne appointedsecretary
- 2022-03-29➖SMITHARD, Vicky Marie resignedsecretary
- 2021-07-28📄accounts-with-accounts-type-dormantaccounts · AA
- 2020-10-19📍change-registered-office-address-company-with-date-old-address-new-addressaddress · AD01
- 2020-05-22📄accounts-with-accounts-type-dormantaccounts · AA
- 2020-03-09➕GUILD, Scott Cameron appointeddirector
- 2019-12-31➖STEWART, Gavin Macneill resigneddirector
- 2016-02-29➖CLATWORTHY, James Edward resigneddirector
- 2015-10-30➕SMITHARD, Vicky Marie appointedsecretary
- 2015-10-30➖WATT, Lauren Margaret resignedsecretary
- 2015-02-05➖PATON, Susan Walker resignedsecretary
- 2015-02-05➕WATT, Lauren Margaret appointedsecretary
- 2014-03-12➕CLATWORTHY, James Edward appointeddirector
- 2014-03-12➕MCGOWAN, Iain Ross appointeddirector
- 2014-03-12➖MCKAY, Derek James resigneddirector
- 2014-03-12➖OWENS, Anthony Paul resigneddirector
- 2013-08-02➖MACLEAN, Jennifer Marion resignedsecretary
- 2013-08-02➕PATON, Susan Walker appointedsecretary
- 2013-03-31➖MACHRAY, Neil Lindsay Nicholson resigneddirector
- 2013-03-31➕STEWART, Gavin Macneill appointeddirector
- 2012-05-21➕MACHRAY, Neil Lindsay Nicholson appointeddirector
- 2012-05-20➖STEWART, Gregor Ninian resigneddirector
- 2011-06-17➕STEWART, Gregor Ninian appointeddirector
- 2011-05-25➖LUSCOMBE, Kerr resigneddirector
- 2010-11-10➕LUSCOMBE, Kerr appointeddirector
- 2010-09-30➖EASTWOOD, Adrian Mark resigneddirector
- 2010-06-23➕MACLEAN, Jennifer Marion appointedsecretary
- 2010-06-23➖MITCHELL, Fiona resignedsecretary
Showing most recent 50 of 110 events
Owner dependency
58/100
Moderate — manageable with handoverSome 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 signalLimited 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
cleanNo red flags detected from available public data. (This is not a clean bill of health — detailed accounts review still recommended.)
Group structure
Scottish Widows Limited is the ultimate parent — holding 75%+ shares. This company sits inside their group.
🏛️
Scottish Widows Limited
Corporate parent · board control
⬇
SCOTTISH WIDOWS' FUND AND LIFE ASSURANCE SOCIETY
This company · SZ000002
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 |
|---|---|---|---|---|
Scottish Widows Limited Corporate entity | — | 75–100% | board control75-100% 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 · 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 | 23y | 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 |
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
Typeunregistered-company
Incorporated—
Jurisdictionscotland
Primary SIC65110 — Life insurance
Registered office
The Mound
Edinburgh
EH1 1YZ
Filing status
Accounts
Next due: —
Last made up to: —
Confirmation statement
Next due: —
Last: 2026-03-18
Officers (3 active · 44 resigned)
MCKAY, Karen Joanne→
Activesecretary · appointed 2022-03-29
View their other companies + combined net worth →
BEZUIDENHOUT, Jacques Lodewickus→
Activedirector · ~51y · appointed 2025-11-27
View their other companies + combined net worth →
GILLAN, Mark John→
Activedirector · ~42y · appointed 2025-03-01
View their other companies + combined net worth →
HERD, Catriona Margaret→
Resignedsecretary · appointed 2000-01-12 · resigned 2005-11-16
HOUSTON, Thomas Black→
Resignedsecretary · appointed 1995-06-01 · resigned 1998-02-23
MACLEAN, Jennifer Marion→
Resignedsecretary · appointed 2010-06-23 · resigned 2013-08-02
MITCHELL, Fiona→
Resignedsecretary · appointed 2009-07-01 · resigned 2010-06-23
NICHOLLS, Tracey Caroline→
Resignedsecretary · appointed 2005-11-16 · resigned 2009-07-01
PATON, Susan Walker→
Resignedsecretary · appointed 2013-08-02 · resigned 2015-02-05
RAYMOND, Hugh William→
Resignedsecretary · appointed 1993-05-21 · resigned 1995-05-31
REID, Iain Alexander→
Resignedsecretary · appointed 1998-02-23 · resigned 2000-01-12
SMITHARD, Vicky Marie→
Resignedsecretary · appointed 2015-10-30 · resigned 2022-03-29
WATT, Lauren Margaret→
Resignedsecretary · appointed 2015-02-05 · resigned 2015-10-30
ARBUTHNOTT, John→
Resigneddirector · ~102y · appointed 1993-05-21 · resigned 1994-05-03
BLACK, Colin Hyndmarsh→
Resigneddirector · ~96y · appointed 1993-05-21 · resigned 1995-05-02
BOYD, James Edward→
Resigneddirector · ~98y · appointed 1993-05-21 · resigned 1993-12-31
BUIST, Robert Cochrane→
Resigneddirector · ~100y · appointed 1993-05-21 · resigned 1994-05-03
CLATWORTHY, James Edward→
Resigneddirector · ~59y · appointed 2014-03-12 · resigned 2016-02-29
COMER, Sophie Alexandra→
Resigneddirector · ~40y · appointed 2023-09-05 · resigned 2025-11-27
DAVEY, Richard Harding→
Resigneddirector · ~78y · appointed 1996-01-01 · resigned 2000-03-03
Click a director name to see their full track record across all companies.
Recent filings (210 total)
confirmation-statement-with-updates
confirmation-statement · CS01
2026-03-25
accounts-with-accounts-type-dormant
accounts · AA
2026-03-11
appoint-person-director-company-with-name-date
officers · AP01
2025-12-09
termination-director-company-with-name-termination-date
officers · TM01
2025-12-09
accounts-with-accounts-type-dormant
accounts · AA
2025-06-11
confirmation-statement-with-no-updates
confirmation-statement · CS01
2025-03-18
termination-director-company-with-name-termination-date
officers · TM01
2025-03-11
appoint-person-director-company-with-name-date
officers · AP01
2025-03-11
change-person-director-company-with-change-date
officers · CH01
2024-12-12
change-registered-office-address-company-with-date-old-address-new-address
address · AD01
2024-12-12
accounts-with-accounts-type-dormant
accounts · AA
2024-05-23
confirmation-statement-with-no-updates
confirmation-statement · CS01
2024-02-28
change-person-director-company-with-change-date
officers · CH01
2024-02-15
appoint-person-director-company-with-name-date
officers · AP01
2023-09-20
termination-director-company-with-name-termination-date
officers · TM01
2023-09-20