PRUDENTIAL RETIREMENT INCOME LIMITED
⚰️Wound downdissolved
SC047842 · ltd · incorporated 1970-08-17
Investment thesis
Company dissolved — not a live target.
Why interesting: Historical record only; useful for precedent research.
Why risky: Not transactable.
🔒Estimated value
—
Upgrade to see
Turnover
—
not disclosed
Net worth
—
book net assets
Opportunity
44/100
Watch
What this business does
Primary activity: Life reinsurance
Sector: Financial & insurance
Investor take
Pass (distressed without resilience)Distressed unclear — structural issues outweigh the discount.
Opportunity 44/100 (watch), bankability 32/100. High owner-dependency — earn-out structure likely required for clean transition. Asset purchase likely safer than share purchase given structural signals. Biggest value-creation lever: Consolidate lender relationships. 17 distinct lenders creates friction — refinance into single-lender structure for cleaner diligence. Most likely exit: asset disposal / carve-out (55/100). Current lenders should be on monthly review.
🏦
Refinance opportunity
27 live charges · 17 lenders · oldest 21.3y
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 21.3 years old — likely at or near maturity.
- · 17 lenders named — inter-creditor friction likely.
- · Legal-friction score 75/100 (specialist).
Data confidence
Overall: medium (55/100)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
27 charges (27/27 with lender, 27/27 with type)
90
Directors & officers
53 officers (2 active, 53 linked, 46 with DOB)
87
Ownership & PSC
1 active PSC(s) of 1 total, 1 with control declared
90
Director network
Network not yet resolved
30
Filing history
330 filings on record
85
Gazette notices
No matching gazette notices (standard for active companies)
60
Opportunity Score
44/100Watch
PassWatchWorth a lookStrongExceptional
Not actionable now, but monitor — distressed, succession, or structural changes could flip this into a real opportunity.
Business quality
0
Concerning — overdue filings or status flags present.
Acquirability
70
Strong succession / seller-readiness signals.
Risk profile
38
Multiple red flags — proceed with caution.
Signal strength
100
Good data coverage for analysis.
Recent activity
Last 30 days
0
filings
Last 90 days
0
filings
Last 180 days
0
filings
Counts from Companies House filing history.
Corporate timeline (154 events)Click to expand
- 2019-12-25⚠️gazette-dissolved-liquidationgazette · GAZ2
- 2019-12-25🏁Company dissolved
- 2019-09-25⚠️liquidation-voluntary-members-return-of-final-meeting-scotlandinsolvency · LIQ13(Scot)
- 2018-01-15📍change-sail-address-company-with-old-address-new-addressaddress · AD02
- 2017-12-27📍change-sail-address-company-with-new-addressaddress · AD02
- 2017-12-27📍change-registered-office-address-company-with-date-old-address-new-addressaddress · AD01
- 2017-12-27📄resolutionresolution · RESOLUTIONS
- 2017-11-15📄appoint-person-director-company-with-name-dateofficers · AP01
- 2017-11-10📄termination-director-company-with-name-termination-dateofficers · TM01
- 2017-10-31➕BOUSFIELD, Clare appointeddirector
- 2017-10-31➖DEEKS, Jeremy Spencer resigneddirector
- 2017-09-25📄termination-director-company-with-name-termination-dateofficers · TM01
- 2017-09-22➖WARBURTON, John resigneddirector
- 2017-07-25📄notification-of-a-person-with-significant-controlpersons-with-significant-control · PSC02
- 2017-02-22📄second-filing-of-director-termination-with-namedocument-replacement · RP04TM01
- 2017-02-15📄mortgage-charge-whole-release-with-charge-numbermortgage · MR05
- 2017-02-08📄termination-director-company-with-name-termination-dateofficers · TM01
- 2016-12-16➖SPENCER, Paul resigneddirector
- 2016-12-09📄mortgage-charge-whole-release-with-charge-numbermortgage · MR05
- 2016-12-09📄mortgage-charge-whole-release-with-charge-numbermortgage · MR05
- 2016-12-09📄mortgage-charge-whole-release-with-charge-numbermortgage · MR05
- 2016-12-09📄mortgage-charge-whole-release-with-charge-numbermortgage · MR05
- 2016-12-09📄mortgage-charge-whole-release-with-charge-numbermortgage · MR05
- 2016-12-09📄mortgage-charge-whole-release-with-charge-numbermortgage · MR05
- 2016-12-09📄mortgage-charge-whole-release-with-charge-numbermortgage · MR05
- 2016-12-09📄mortgage-charge-whole-release-with-charge-numbermortgage · MR05
- 2016-12-09📄mortgage-charge-whole-release-with-charge-numbermortgage · MR05
- 2016-12-09📄mortgage-charge-whole-release-with-charge-numbermortgage · MR05
- 2016-12-09📄mortgage-charge-whole-release-with-charge-numbermortgage · MR05
- 2016-10-21➕DEEKS, Jeremy Spencer appointeddirector
- 2016-08-30➕DEEKS, Jeremy Spencer appointeddirector
- 2016-08-30➖DEEKS, Jeremy Spencer resigneddirector
- 2016-08-30➕WARBURTON, John appointeddirector
- 2016-07-28🔒Charge registered #27Lender: Pacific Life Re Limited
- 2016-07-28🔒Charge registered #26Lender: Pacific Life Re Limited
- 2016-07-19➖HUSSAIN, Hamayou Akbar resigneddirector
- 2016-07-19➕SPENCER, Paul appointeddirector
- 2016-06-29🔒Charge registered #25Lender: Vodafone Group Pension Trustee Limited
- 2016-05-31➖NAIDU, Tulsi Ratakonda resigneddirector
- 2015-12-09🔒Charge registered #23Lender: Vodafone Group Pension Trustee Limited
- 2015-12-08➖PENDER, Daniel John resigneddirector
- 2015-12-07🔒Charge registered #24Lender: Swiss Re Europe Sa, UK Branch
- 2015-11-13🔒Charge registered #22Lender: Cable & Wireless Pension Trustee Limited
- 2015-11-02➖HUNT, Jacqueline resigneddirector
- 2015-11-02🔒Charge registered #21Lender: Scor Global Life SE, UK Branch
- 2015-04-23🔒Charge registered #20Lender: Hannover Ruek SE
- 2015-04-07➖WARBURTON, John resigneddirector
- 2015-02-27🔒Charge registered #19Lender: Hannover Rueck SE
- 2015-02-13➕PENDER, Daniel John appointeddirector
- 2014-10-17➕NAIDU, Tulsi Ratakonda appointeddirector
Showing most recent 50 of 154 events
Owner dependency
83/100
Critical — business is the founderThe business appears inseparable from the founder. Acquisition without a serious earn-out or meaningful transition period would likely destroy value.
FACTORS
- +Sole director: Only one active director — all governance concentrated on one person.
- +Senior director age: Director aged approximately 58 — approaching natural succession window.
Succession & seller-readiness
65/100
Strong succession signalMultiple signals suggest succession is on the horizon. Candidate for proactive outreach.
SIGNALS
- secondaryFounder aged 58+: Senior director is approximately 58. Early succession window.
- primarySole active director: Only one director in control. No visible successor — buyers solve the succession problem.
- secondaryStable-but-static management: Company is 56 years old and no new directors in the last 3 years — succession not yet being planned internally.
Red flags
2 high · 1 med · 1 lowCompany dissolved
highCompany has been dissolved — it no longer legally exists. Any diligence here is historical only.
Evidence: Dissolved on 2019-12-25
2 insolvency-related filings on record
highFilings relating to insolvency, liquidation, or administration exist in the company's history. Review before proceeding.
Evidence: 2019-12-25: gazette-dissolved-liquidation; 2019-09-25: liquidation-voluntary-members-return-of-final-meeting-scotland
Charge satisfaction-then-recreation pattern
mediumMultiple instances where a charge was satisfied and a new charge created within 6 months. Suggests active refinancing cycle.
23 live charges
lowHeavily leveraged with multiple live security positions — understand the capital structure before proceeding.
Group structure
The Prudential Assurance Company Limited is the ultimate parent — holding 75%+ shares. This company sits inside their group.
🏛️ultimate parent
The Prudential Assurance Company Limited
Corporate parent · holds 75-100% shares
⬇
PRUDENTIAL RETIREMENT INCOME LIMITED
This company · SC047842
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 |
|---|---|---|---|---|
The Prudential Assurance Company Limited Corporate entity | 75–100% | — | 75-100% shares | 06/04/2016 |
From Companies House Persons with Significant Control filings. Share ranges are banded per the public PSC regime.
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| AMANA TRANSFER LTD→ SC869992 · est 2025 · no financials extracted | — | — | — | — | — | — | — |
| AMI FINANCIAL SOLUTIONS LIMITED→ SC533818 · est 2016 · no financials extracted | — | — | — | — | 9y | — | — |
| AML ASSOCIATES FINANCIAL SERVICES LTD.→ SC238338 · est 2002 · no financials extracted | — | — | — | — | 23y | — | — |
| ANDREW YULE LIMITED→ SC388038 · est 2010 · no financials extracted | — | — | — | — | 15y | — | — |
| ANISON LTD→ SC327325 · est 2007 · no financials extracted | — | — | — | — | 18y | — | — |
| ARC MORTGAGE SOLUTIONS LTD→ SC616999 · est 2018 · no financials extracted | — | — | — | — | 7y | — | — |
| ARGYLE FINANCIAL GROUP LIMITED→ SC313878 · est 2006 · no financials extracted | — | — | — | — | 19y | — | — |
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Peers ranked by estimated value, then turnover, then opportunity score.See all →
🔒Tailored diligence questions
11 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
Statusdissolved
Typeltd
Incorporated1970-08-17
Jurisdictionscotland
Primary SIC65201 — Life reinsurance
Registered office
C/O Mazars Llp
90 St. Vincent Street
Glasgow
G2 5UB
Filing status
Accounts
Next due: —
Last made up to: 2015-12-31
Confirmation statement
Next due: —
Last: —
Officers (0 active · 51 resigned)
PRUDENTIAL GROUP SECRETARIAL SERVICES LIMITED→
Activecorporate-secretary · appointed 2001-10-31
View their other companies + combined net worth →
BOUSFIELD, Clare→
Activedirector · ~58y · appointed 2017-10-31
View their other companies + combined net worth →
LEE, Tony→
Resignedsecretary · appointed 2001-05-24 · resigned 2001-10-31
MITCHELL, James Charles→
Resignedsecretary · appointed 1990-01-19 · resigned 1997-12-31
PENDER, Stuart Macpherson→
Resignedsecretary · appointed 1998-01-01 · resigned 1998-11-06
STEVENSON, Archibald Mackay→
Resignedsecretary · resigned 1990-01-19
WALKER, Robert→
Resignedsecretary · appointed 1998-11-06 · resigned 2000-06-29
WINDRIDGE, Susan Doreen→
Resignedsecretary · appointed 2000-06-29 · resigned 2001-05-24
ANDERSON, Raymond→
Resigneddirector · ~92y · resigned 1990-04-04
BELSHAM, David John→
Resigneddirector · ~67y · appointed 2000-06-29 · resigned 2014-07-07
BOARDMAN, Thomas Volney, Mr.→
Resigneddirector · ~73y · appointed 2001-03-07 · resigned 2010-03-31
BRIGGS, Andrew David→
Resigneddirector · ~60y · appointed 2002-07-23 · resigned 2006-10-02
BRIGGS, Andrew David→
Resigneddirector · ~60y · appointed 2001-06-29 · resigned 2001-10-31
CASSONI, Maria Luisa→
Resigneddirector · ~75y · appointed 1997-10-01 · resigned 1998-05-06
CLACK, Edward Stanley→
Resigneddirector · ~78y · appointed 2000-06-29 · resigned 2001-11-12
COLEMAN, Kieran Mark→
Resigneddirector · ~57y · appointed 2006-04-18 · resigned 2006-12-15
CROSBY, James Robert→
Resigneddirector · ~70y · appointed 1992-03-18 · resigned 1994-02-08
CROSSLEY, Andrew Michael→
Resigneddirector · ~70y · appointed 2007-03-13 · resigned 2013-06-06
DEEKS, Jeremy Spencer→
Resigneddirector · ~56y · appointed 2016-10-21 · resigned 2017-10-31
DEEKS, Jeremy Spencer→
Resigneddirector · ~56y · appointed 2016-08-30 · resigned 2016-08-30
Click a director name to see their full track record across all companies.
Mortgages & charges
27
Total charges
23
Outstanding
15
Active lenders
Status:Lender:27 of 27 shown
| Type | Properties | |||||
|---|---|---|---|---|---|---|
| outstanding | Pacific Life Re Pacific Life Re Limited | A registered charge | — | 28/07/2016 | — | |
| outstanding | Pacific Life Re Pacific Life Re Limited | A registered charge | — | 28/07/2016 | — | |
| outstanding | Vodafone Group Pension Trustee Vodafone Group Pension Trustee Limited | A registered charge | — | 29/06/2016 | — | |
| outstanding | Vodafone Group Pension Trustee Vodafone Group Pension Trustee Limited | A registered charge | — | 09/12/2015 | — | |
| outstanding | Swiss Re Europe Sa, UK Branch | A registered charge | — | 07/12/2015 | — | |
| outstanding | Cable & Wireless Pension Trustee Cable & Wireless Pension Trustee Limited | A registered charge | — | 13/11/2015 | — | |
| outstanding | Scor Global Life SE, UK Branch | A registered charge | — | 02/11/2015 | — | |
| outstanding | Hannover Ruek SE | A registered charge | — | 23/04/2015 | — | |
| outstanding | Hannover Rueck SE | A registered charge | — | 27/02/2015 | — | |
| outstanding | Vodafone Group Pension Trustee Vodafone Group Pension Trustee Limited | A registered charge | — | 06/06/2014 | — | |
| outstanding | Scor Global Life SE, UK Branch | A registered charge | 1 property | 18/06/2013 | — | |
| outstanding | Cable and Wireless Worldwide Pension Trustee Cable and Wireless Worldwide Pension Trustee Limited | Security deed | 1 property | 30/11/2010 | — | |
| outstanding | Cable & Wireless Pension Trustee Cable & Wireless Pension Trustee Limited | Security deed | 1 property | 30/11/2010 | — | |
| outstanding | The Prudential Assurance Company The Prudential Assurance Company Limited | Deed of charge | 1 property | 30/12/2008 | — | |
| outstanding | Cable and Wireless Pension Trustee Cable and Wireless Pension Trustee Limited | Security deed | 1 property | 02/09/2008 | — | |
| satisfied | Rothesay Life Rothesay Life Limited | Charge | 1 property | 18/06/2008 | 20/11/2009 | |
| outstanding | The Prudential Assurance Company The Prudential Assurance Company Limited | Floating charge | 1 property | 21/12/2006 | — | |
| satisfied | Save & Prosper Pensions Save & Prosper Pensions Limited | Floating charge | 1 property | 19/12/2006 | 30/11/2007 | |
| outstanding | The Royal London Mutual Insurance Society The Royal London Mutual Insurance Society Limited | Floating charge | 1 property | 07/11/2006 | — | |
| outstanding | The Prudential Assurance Company The Prudential Assurance Company Limited | Floating charge | 1 property | 30/06/2006 | — | |
| outstanding | Prudential (An) Prudential (An) Limited | Floating charge | 1 property | 30/06/2005 | — | |
| outstanding | The Prudential Assurance Company The Prudential Assurance Company Limited | Floating charge | 1 property | 30/06/2005 | — | |
| satisfied | The Prudential Assurance Company The Prudential Assurance Company Limited | Floating charge | 1 property | 30/06/2005 | 13/12/2008 | |
| outstanding | Prudential Pensions Prudential Pensions Limited | Floating charge | 1 property | 30/06/2005 | — | |
| satisfied | The Royal London Mutual Insurance Society The Royal London Mutual Insurance Society Limited | Floating charge | 1 property | 03/02/2005 | 17/07/2008 | |
| outstanding | Eagle Star Life Assurance Company Eagle Star Life Assurance Company Limited | Floating charge | 1 property | 21/12/2004 | — | |
| outstanding | Allied Dunbar Assurance Allied Dunbar Assurance PLC | Floating charge | 1 property | 21/12/2004 | — |
Click column headers to sort. Use filters above to narrow by status and lender.
Recent filings (330 total)
gazette-dissolved-liquidation
gazette · GAZ2
2019-12-25
liquidation-voluntary-members-return-of-final-meeting-scotland
insolvency · LIQ13(Scot)
2019-09-25
change-sail-address-company-with-old-address-new-address
address · AD02
2018-01-15
change-sail-address-company-with-new-address
address · AD02
2017-12-27
change-registered-office-address-company-with-date-old-address-new-address
address · AD01
2017-12-27
resolution
resolution · RESOLUTIONS
2017-12-27
appoint-person-director-company-with-name-date
officers · AP01
2017-11-15
termination-director-company-with-name-termination-date
officers · TM01
2017-11-10
termination-director-company-with-name-termination-date
officers · TM01
2017-09-25
confirmation-statement-with-updates
confirmation-statement · CS01
2017-07-25
notification-of-a-person-with-significant-control
persons-with-significant-control · PSC02
2017-07-25
second-filing-of-director-termination-with-name
document-replacement · RP04TM01
2017-02-22
mortgage-charge-whole-release-with-charge-number
mortgage · MR05
2017-02-15
termination-director-company-with-name-termination-date
officers · TM01
2017-02-08
mortgage-charge-whole-release-with-charge-number
mortgage · MR05
2016-12-09