THE HERITABLE SECURITIES AND MORTGAGE INVESTMENT ASSOCIATION LTD.

🌳Matureactive
SC000668 · ltd · incorporated 1876-04-20
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
78/100
Strong
🔔
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What this business does
Primary activity: Financial intermediation not elsewhere classified
Sector: Financial & insurance
Investor take
Pursue
Strong opportunity: active trading company with strong profile and acceptable with review structure.

Opportunity 78/100 (strong), bankability 70/100. Share purchase looks the cleaner deal structure. Most likely exit: strategic trade sale (73/100).

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
Confirmed no charges registered
85
Directors & officers
19 officers (4 active, 19 linked, 12 with DOB)
83
Ownership & PSC
1 active PSC(s) of 1 total, 1 with control declared
90
Director network
20 connected companies via shared directors
90
Filing history
133 filings on record
85
Gazette notices
No matching gazette notices (standard for active companies)
60
Opportunity Score
78/100Strong
PassWatchWorth a lookStrongExceptional 

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

Business quality
70
Active, clean filings, stable charge profile.
Acquirability
70
Strong succession / seller-readiness signals.
Risk profile
85
Few red flags.
Signal strength
90
Good data coverage for analysis.

Recent activity

Last 30 days
0
filings
Last 90 days
1
filing
  • • 1 officers
Last 180 days
2
filings
  • • 2 officers
Counts from Companies House filing history.
Corporate timeline (48 events)Click to expand
  1. 2026-01-23
    ➕
    SHAKESPEARE, Paul appointed
    director
  2. 2026-01-23
    📄
    appoint-person-director-company-with-name-date
    officers · AP01
  3. 2025-11-10
    📄
    change-corporate-secretary-company-with-change-date
    officers · CH04
  4. 2025-07-18
    📄
    accounts-with-accounts-type-dormant
    accounts · AA
  5. 2025-06-17
    📄
    change-person-director-company-with-change-date
    officers · CH01
  6. 2025-01-03
    📄
    change-person-director-company-with-change-date
    officers · CH01
  7. 2024-08-26
    📄
    termination-director-company-with-name-termination-date
    officers · TM01
  8. 2024-08-26
    📄
    appoint-person-director-company-with-name-date
    officers · AP01
  9. 2024-08-23
    ➕
    SUTTON, Kerry Elizabeth appointed
    director
  10. 2024-08-23
    ➖
    MEANEY, Brid Mary resigned
    director
  11. 2024-02-01
    📄
    accounts-with-accounts-type-dormant
    accounts · AA
  12. 2023-12-18
    📄
    change-person-director-company-with-change-date
    officers · CH01
  13. 2023-02-14
    📄
    accounts-with-accounts-type-dormant
    accounts · AA
  14. 2022-01-19
    📄
    accounts-with-accounts-type-dormant
    accounts · AA
  15. 2021-09-24
    📄
    accounts-with-accounts-type-dormant
    accounts · AA
  16. 2021-06-22
    📄
    appoint-person-director-company-with-name-date
    officers · AP01
  17. 2021-06-01
    📄
    termination-director-company-with-name-termination-date
    officers · TM01
  18. 2021-04-30
    ➕
    MEANEY, Brid Mary appointed
    director
  19. 2021-04-30
    ➖
    PERCIVAL, Stephen Keith resigned
    director
  20. 2020-08-04
    📄
    accounts-with-accounts-type-dormant
    accounts · AA
  21. 2019-06-11
    📄
    accounts-with-accounts-type-dormant
    accounts · AA
  22. 2018-09-18
    📄
    appoint-corporate-secretary-company-with-name-date
    officers · AP04
  23. 2018-09-04
    📄
    accounts-with-accounts-type-dormant
    accounts · AA
  24. 2018-08-31
    ➕
    PEARL GROUP SECRETARIAT SERVICES LIMITED appointed
    corporate-secretary
  25. 2018-08-31
    ➖
    GILMOUR, Kenneth Arthur resigned
    secretary
  26. 2014-08-08
    ➖
    CLAYTON, David resigned
    director
  27. 2014-08-08
    ➕
    PERCIVAL, Stephen Keith appointed
    director
  28. 2012-09-30
    ➕
    TYSON, Peter Trygve appointed
    director
  29. 2011-09-30
    ➕
    GILMOUR, Kenneth Arthur appointed
    secretary
  30. 2011-09-30
    ➖
    WOOD, Malcolm James resigned
    secretary
  31. 2010-09-01
    ➕
    CLAYTON, David appointed
    director
  32. 2010-09-01
    ➖
    STANDARD LIFE (DIRECTORS) LIMITED resigned
    corporate-director
  33. 2007-01-01
    ➖
    SOMERVILLE, Peter Walter resigned
    secretary
  34. 2007-01-01
    ➕
    WOOD, Malcolm James appointed
    secretary
  35. 2002-01-22
    ➖
    BELL, Alexander Scott resigned
    director
  36. 2002-01-22
    ➖
    LUMSDEN, Iain Cobden resigned
    director
  37. 2002-01-22
    ➕
    STANDARD LIFE (DIRECTORS) LIMITED appointed
    corporate-director
  38. 2001-12-15
    ➖
    STRETTON, James resigned
    director
  39. 1998-05-26
    ➕
    LUMSDEN, Iain Cobden appointed
    director
  40. 1998-04-28
    ➖
    LESSELS, Norman resigned
    director
  41. 1998-04-28
    ➖
    TROTT, John Francis Henry resigned
    director
  42. 1996-03-01
    ➖
    FOTHERINGHAM, David Drysdale resigned
    secretary
  43. 1996-03-01
    ➕
    SOMERVILLE, Peter Walter appointed
    secretary
  44. 1994-03-22
    ➖
    AIREY, Lawrence, Sir resigned
    director
  45. 1994-03-22
    ➕
    TROTT, John Francis Henry appointed
    director
  46. 1993-11-15
    ➕
    FOTHERINGHAM, David Drysdale appointed
    secretary
  47. 1993-11-14
    ➖
    GRAY, Archibald James Angus Macuish resigned
    secretary
  48. 1876-04-20
    🏢
    Company incorporated
    As THE HERITABLE SECURITIES AND MORTGAGE INVESTMENT ASSOCIATION LTD.

Owner dependency

58/100
Moderate — manageable with handover

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

FACTORS
  • +Senior director age: Director aged approximately 58 — approaching natural succession window.

Succession & seller-readiness

53/100
Moderate signal

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

SIGNALS
  • secondaryFounder aged 58+: Senior director is approximately 58. Early succession window.
  • secondary12+ year tenure: Director in role 14 years.
  • supportingClean filings + long tenure: Disciplined long-tenure operator — classic lifestyle-business pattern that often sells quietly.

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

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

🏛️
Standard Life Assurance Limited
Corporate parent · holds 75-100% shares · board control
ultimate parent
⬇
THE HERITABLE SECURITIES AND MORTGAGE INVESTMENT ASSOCIATION LTD.
This company · SC000668

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 Assurance Limited
Corporate entity
75–100%
75–100%board control75-100% shares · 75-100% voting · board control06/04/2016

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 →

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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
Typeltd
Incorporated1876-04-20
Jurisdictionscotland
Primary SIC64999 — Financial intermediation not elsewhere classified

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 (4 active · 15 resigned)

PEARL GROUP SECRETARIAT SERVICES LIMITED→
corporate-secretary · appointed 2018-08-31
View their other companies + combined net worth →
Active
SHAKESPEARE, Paul→
director · ~53y · appointed 2026-01-23
View their other companies + combined net worth →
Active
SUTTON, Kerry Elizabeth→
director · ~48y · appointed 2024-08-23
View their other companies + combined net worth →
Active
TYSON, Peter Trygve→
director · ~58y · appointed 2012-09-30
View their other companies + combined net worth →
Active
FOTHERINGHAM, David Drysdale→
secretary · appointed 1993-11-15 · resigned 1996-03-01
Resigned
GILMOUR, Kenneth Arthur→
secretary · appointed 2011-09-30 · resigned 2018-08-31
Resigned
GRAY, Archibald James Angus Macuish→
secretary · resigned 1993-11-14
Resigned
SOMERVILLE, Peter Walter→
secretary · appointed 1996-03-01 · resigned 2007-01-01
Resigned
WOOD, Malcolm James→
secretary · appointed 2007-01-01 · resigned 2011-09-30
Resigned
AIREY, Lawrence, Sir→
director · ~100y · resigned 1994-03-22
Resigned
BELL, Alexander Scott→
director · ~85y · resigned 2002-01-22
Resigned
CLAYTON, David→
director · ~64y · appointed 2010-09-01 · resigned 2014-08-08
Resigned
LESSELS, Norman→
director · ~88y · resigned 1998-04-28
Resigned
LUMSDEN, Iain Cobden→
director · ~80y · appointed 1998-05-26 · resigned 2002-01-22
Resigned
MEANEY, Brid Mary→
director · ~52y · appointed 2021-04-30 · resigned 2024-08-23
Resigned
PERCIVAL, Stephen Keith→
director · ~51y · appointed 2014-08-08 · resigned 2021-04-30
Resigned
STRETTON, James→
director · ~83y · resigned 2001-12-15
Resigned
TROTT, John Francis Henry→
director · ~88y · appointed 1994-03-22 · resigned 1998-04-28
Resigned
STANDARD LIFE (DIRECTORS) LIMITED→
corporate-director · appointed 2002-01-22 · resigned 2010-09-01
Resigned

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

Recent filings (133 total)

appoint-person-director-company-with-name-date
officers · AP01
2026-01-23
change-corporate-secretary-company-with-change-date
officers · CH04
2025-11-10
accounts-with-accounts-type-dormant
accounts · AA
2025-07-18
confirmation-statement-with-no-updates
confirmation-statement · CS01
2025-06-19
change-person-director-company-with-change-date
officers · CH01
2025-06-17
change-person-director-company-with-change-date
officers · CH01
2025-01-03
termination-director-company-with-name-termination-date
officers · TM01
2024-08-26
appoint-person-director-company-with-name-date
officers · AP01
2024-08-26
confirmation-statement-with-no-updates
confirmation-statement · CS01
2024-06-21
accounts-with-accounts-type-dormant
accounts · AA
2024-02-01
change-person-director-company-with-change-date
officers · CH01
2023-12-18
confirmation-statement-with-no-updates
confirmation-statement · CS01
2023-08-11
accounts-with-accounts-type-dormant
accounts · AA
2023-02-14
confirmation-statement-with-no-updates
confirmation-statement · CS01
2022-07-04
accounts-with-accounts-type-dormant
accounts · AA
2022-01-19