ALBA LIFE TRUSTEES LIMITED

🌳Matureactive
SC031475 · ltd · incorporated 1956-04-21
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
74/100
Strong
🔔
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What this business does
Primary activity: Other activities auxiliary to insurance and pension funding
Sector: Financial & insurance
Investor take
Pursue
Strong opportunity: active trading company with strong profile and acceptable with review structure.

Opportunity 74/100 (strong), bankability 57/100. Share purchase looks the cleaner deal structure. Biggest value-creation lever: Consolidate lender relationships. 4 distinct lenders creates friction — refinance into single-lender structure for cleaner diligence. Most likely exit: share sale to pe / searcher (50/100).

🏦

Refinance opportunity

5 live charges · 4 lenders · oldest 42.8y

35/100
too messy

Refinance path is blocked by complexity. Rethink structure or expect bespoke, expensive terms.

  • · Oldest live charge is 42.8 years old — likely at or near maturity.
  • · 4 lenders named — inter-creditor friction likely.
  • · Legal-friction score 40/100 — workable, but lender will want more DD.

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
5 charges (5/5 with lender, 5/5 with type)
90
Directors & officers
31 officers (3 active, 31 linked, 23 with DOB)
85
Ownership & PSC
1 active PSC(s) of 1 total, 1 with control declared
90
Director network
11 connected companies via shared directors
78
Filing history
182 filings on record
85
Gazette notices
No matching gazette notices (standard for active companies)
60
Opportunity Score
74/100Strong
PassWatchWorth a lookStrongExceptional 

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

Business quality
70
Active, clean filings, stable charge profile.
Acquirability
50
Some acquirability indicators.
Risk profile
85
Few red flags.
Signal strength
100
Good data coverage for analysis.

Recent activity

Last 30 days
0
filings
Last 90 days
0
filings
Last 180 days
2
filings
  • • 1 officers
  • • 1 persons-with-significant-control
Counts from Companies House filing history.
Corporate timeline (81 events)Click to expand
  1. 2025-11-13
    📄
    change-corporate-secretary-company-with-change-date
    officers · CH04
  2. 2025-11-11
    📄
    change-to-a-person-with-significant-control
    persons-with-significant-control · PSC05
  3. 2025-10-01
    📄
    accounts-with-accounts-type-small
    accounts · AA
  4. 2024-12-06
    ➕
    IZAT, Gail Fullerton appointed
    director
  5. 2024-12-06
    ➕
    MADDEN, Amy Elizabeth appointed
    director
  6. 2024-12-06
    ➖
    BUCKLE, Samantha Rose resigned
    director
  7. 2024-12-06
    ➖
    MEANEY, Brid Mary resigned
    director
  8. 2024-12-06
    📄
    appoint-person-director-company-with-name-date
    officers · AP01
  9. 2024-12-06
    📄
    appoint-person-director-company-with-name-date
    officers · AP01
  10. 2024-12-06
    📄
    termination-director-company-with-name-termination-date
    officers · TM01
  11. 2024-12-06
    📄
    termination-director-company-with-name-termination-date
    officers · TM01
  12. 2024-09-23
    📄
    accounts-with-accounts-type-small
    accounts · AA
  13. 2023-12-07
    📄
    change-person-director-company-with-change-date
    officers · CH01
  14. 2023-10-12
    📄
    accounts-with-accounts-type-small
    accounts · AA
  15. 2023-07-26
    📄
    second-filing-of-director-appointment-with-name
    officers · RP04AP01
  16. 2023-07-25
    📄
    change-to-a-person-with-significant-control
    persons-with-significant-control · PSC05
  17. 2023-01-16
    📄
    termination-director-company-with-name-termination-date
    officers · TM01
  18. 2023-01-13
    📄
    appoint-person-director-company-with-name-date
    officers · AP01
  19. 2023-01-12
    📄
    appoint-person-director-company-with-name-date
    officers · AP01
  20. 2023-01-12
    📄
    termination-director-company-with-name-termination-date
    officers · TM01
  21. 2022-12-31
    ➕
    BUCKLE, Samantha Rose appointed
    director
  22. 2022-12-31
    ➖
    KASSIMIOTIS, Antonios resigned
    director
  23. 2022-12-31
    ➕
    MEANEY, Brid Mary appointed
    director
  24. 2022-12-31
    ➖
    MOSS, Andrew resigned
    director
  25. 2022-09-23
    📄
    accounts-with-accounts-type-full
    accounts · AA
  26. 2022-03-07
    📄
    statement-of-companys-objects
    change-of-constitution · CC04
  27. 2022-03-07
    📄
    memorandum-articles
    incorporation · MA
  28. 2022-03-07
    📄
    resolution
    resolution · RESOLUTIONS
  29. 2021-08-05
    📄
    accounts-with-accounts-type-small
    accounts · AA
  30. 2008-12-31
    ➕
    MOSS, Andrew appointed
    director
  31. 2008-12-19
    ➖
    DOWNING, Wadham St John resigned
    director
  32. 2008-05-01
    ➕
    KASSIMIOTIS, Antonios appointed
    director
  33. 2008-05-01
    ➖
    MEEHAN, Brendan Joseph resigned
    director
  34. 2006-12-11
    ➖
    CRAINE, Roger resigned
    director
  35. 2006-12-11
    ➕
    DOWNING, Wadham St John appointed
    director
  36. 2006-12-11
    ➖
    GREENFIELD, Richard Edward Keith resigned
    director
  37. 2006-12-11
    ➕
    MEEHAN, Brendan Joseph appointed
    director
  38. 2006-09-01
    ➕
    PEARL GROUP SECRETARIAT SERVICES LIMITED appointed
    corporate-secretary
  39. 2006-09-01
    ➖
    GRIFFIN-SMITH, Philip Bernard resigned
    secretary
  40. 2006-04-03
    ➕
    GRIFFIN-SMITH, Philip Bernard appointed
    secretary
  41. 2006-04-03
    ➖
    JORDAN, Barbara Craig resigned
    secretary
  42. 2006-04-03
    ➕
    CRAINE, Roger appointed
    director
  43. 2006-04-03
    ➖
    ROSS, Geoffrey Michael resigned
    director
  44. 2005-11-03
    ➕
    GREENFIELD, Richard Edward Keith appointed
    director
  45. 2005-11-03
    ➖
    PRINGLE, Iain George resigned
    director
  46. 2002-10-31
    ➖
    HENDERSON, William Grahamslaw resigned
    director
  47. 2002-10-31
    ➕
    PRINGLE, Iain George appointed
    director
  48. 2002-02-27
    ➖
    HANRATTY, John Joseph resigned
    director
  49. 2002-01-28
    ➕
    JORDAN, Barbara Craig appointed
    secretary
  50. 2002-01-28
    ➖
    KELLY, Malcolm James, Mr. resigned
    secretary
Showing most recent 50 of 81 events

Owner dependency

58/100
Moderate — manageable with handover

Some 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 signal

Limited 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

clean
No red flags detected from available public data. (This is not a clean bill of health — detailed accounts review still recommended.)

Group structure

Phoenix Group Management Services Limited is the ultimate parent — holding 75%+ shares. This company sits inside their group.

🏛️
Phoenix Group Management Services Limited
Corporate parent · holds 75-100% shares · board control
ultimate parent
⬇
ALBA LIFE TRUSTEES LIMITED
This company · SC031475

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
Phoenix Group Management Services 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

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
Incorporated1956-04-21
Jurisdictionscotland
Primary SIC66290 — Other activities auxiliary to insurance and pension funding

Registered office

Standard Life House
30 Lothian Road
Edinburgh
EH1 2DH
United Kingdom

Filing status

Accounts
Next due: 2026-09-30
Last made up to: 2024-12-31
Confirmation statement
Next due: 2026-08-17
Last: 2025-08-03

Officers (3 active · 28 resigned)

PEARL GROUP SECRETARIAT SERVICES LIMITED→
corporate-secretary · appointed 2006-09-01
View their other companies + combined net worth →
Active
IZAT, Gail Fullerton→
director · ~57y · appointed 2024-12-06
View their other companies + combined net worth →
Active
MADDEN, Amy Elizabeth→
director · ~47y · appointed 2024-12-06
View their other companies + combined net worth →
Active
GRIFFIN-SMITH, Philip Bernard→
secretary · appointed 2006-04-03 · resigned 2006-09-01
Resigned
JORDAN, Barbara Craig→
secretary · appointed 2002-01-28 · resigned 2006-04-03
Resigned
KELLY, Malcolm James, Mr.→
secretary · appointed 2001-09-01 · resigned 2002-01-28
Resigned
RANKIN, Colin Graham→
secretary · appointed 2000-08-15 · resigned 2001-09-01
Resigned
ROSS, Marie Isobel→
secretary · appointed 1997-03-25 · resigned 2000-08-15
Resigned
WAGNER, Deborah Anne→
secretary · appointed 1993-05-25 · resigned 1997-03-25
Resigned
WILSON, John→
secretary · resigned 1993-05-25
Resigned
BUCKLE, Samantha Rose→
director · ~51y · appointed 2022-12-31 · resigned 2024-12-06
Resigned
BURDON, Peter Vincent→
director · ~79y · resigned 1996-03-06
Resigned
CAMPBELL, Ian Matthew→
director · ~74y · resigned 1989-06-30
Resigned
CRAINE, Roger→
director · ~70y · appointed 2006-04-03 · resigned 2006-12-11
Resigned
DOWNING, Wadham St John→
director · ~59y · appointed 2006-12-11 · resigned 2008-12-19
Resigned
GOODWIN, Matthew Dean, Sir→
director · ~97y · resigned 1990-05-31
Resigned
GREENFIELD, Richard Edward Keith→
director · ~70y · appointed 2005-11-03 · resigned 2006-12-11
Resigned
HANRATTY, John Joseph→
director · ~77y · appointed 2000-10-17 · resigned 2002-02-27
Resigned
HENDERSON, William Grahamslaw→
director · ~72y · appointed 1999-12-06 · resigned 2002-10-31
Resigned
KASSIMIOTIS, Antonios→
director · ~59y · appointed 2008-05-01 · resigned 2022-12-31
Resigned

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

Mortgages & charges

5
Total charges
4
Outstanding
4
Active lenders
Status:Lender:5 of 5 shown
TypeProperties
outstanding
Midland Bank
Midland Bank PLC
Legal mortgage1 property25/03/1997—
outstanding
Bristol and West Building Society
Assignment of rental income1 property19/01/1996—
satisfied
Bristol and West Building Society
Floating charge1 property19/01/199617/11/1997
outstanding
David Crispin John Liddiatt and Another
Legal charge1 property29/11/1993—
outstanding
Barclays
Barclays Bank PLC
Legal charge1 property01/07/1983—
Click column headers to sort. Use filters above to narrow by status and lender.

Recent filings (182 total)

change-corporate-secretary-company-with-change-date
officers · CH04
2025-11-13
change-to-a-person-with-significant-control
persons-with-significant-control · PSC05
2025-11-11
accounts-with-accounts-type-small
accounts · AA
2025-10-01
confirmation-statement-with-no-updates
confirmation-statement · CS01
2025-08-17
appoint-person-director-company-with-name-date
officers · AP01
2024-12-06
appoint-person-director-company-with-name-date
officers · AP01
2024-12-06
termination-director-company-with-name-termination-date
officers · TM01
2024-12-06
termination-director-company-with-name-termination-date
officers · TM01
2024-12-06
accounts-with-accounts-type-small
accounts · AA
2024-09-23
confirmation-statement-with-no-updates
confirmation-statement · CS01
2024-08-15
change-person-director-company-with-change-date
officers · CH01
2023-12-07
accounts-with-accounts-type-small
accounts · AA
2023-10-12
confirmation-statement-with-updates
confirmation-statement · CS01
2023-08-17
second-filing-of-director-appointment-with-name
officers · RP04AP01
2023-07-26
change-to-a-person-with-significant-control
persons-with-significant-control · PSC05
2023-07-25