STANDARD LIFE INVESTMENT FUNDS LIMITED
- · Thesis: well-run, low negotiation leverage
Opportunity 77/100 (strong), bankability 67/100. Strong seller-intent signal (60/100, director aged 58). Biggest value-creation lever: Consolidate lender relationships. 11 distinct lenders creates friction — refinance into single-lender structure for cleaner diligence. Most likely exit: strategic trade sale (48/100).
Refinance opportunity
89 live charges · 11 lenders · oldest 27.4y
Structure is too messy for a clean refinance right now — clean up first or expect bespoke terms.
- · Oldest live charge is 27.4 years old — likely at or near maturity.
- · 11 lenders named — inter-creditor friction likely.
- · Legal-friction score 55/100 (high).
Data confidence
Overall: medium (61/100)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
- • 1 officers
- • 2 officers
Corporate timeline (250 events)Click to expand
- 2026-01-23➕SHAKESPEARE, Paul appointeddirector
- 2026-01-23📄appoint-person-director-company-with-name-dateofficers · AP01
- 2025-11-10📄change-corporate-secretary-company-with-change-dateofficers · CH04
- 2025-07-21📄accounts-with-accounts-type-dormantaccounts · AA
- 2025-06-19📄change-person-director-company-with-change-dateofficers · CH01
- 2025-01-03📄change-person-director-company-with-change-dateofficers · CH01
- 2024-07-08📄accounts-with-accounts-type-dormantaccounts · AA
- 2024-01-11📄change-person-director-company-with-change-dateofficers · CH01
- 2023-02-14📄accounts-with-accounts-type-dormantaccounts · AA
- 2022-01-20📄accounts-with-accounts-type-dormantaccounts · AA
- 2021-12-14📄statement-of-companys-objectschange-of-constitution · CC04
- 2021-12-14📄memorandum-articlesincorporation · MA
- 2021-12-14📄resolutionresolution · RESOLUTIONS
- 2021-09-24📄accounts-with-accounts-type-dormantaccounts · AA
- 2021-05-19📄termination-director-company-with-name-termination-dateofficers · TM01
- 2021-05-19📄appoint-person-director-company-with-name-dateofficers · AP01
- 2021-05-19📄appoint-person-director-company-with-name-dateofficers · AP01
- 2021-05-19📄termination-director-company-with-name-termination-dateofficers · TM01
- 2021-04-30➕SUTTON, Kerry Elizabeth appointeddirector
- 2021-04-30➕TYSON, Peter Trygve appointeddirector
- 2021-04-30➖PERCIVAL, Stephen Keith resigneddirector
- 2021-02-01➖MCGUIGAN, Ciaran Francis resigneddirector
- 2020-08-04📄accounts-with-accounts-type-dormantaccounts · AA
- 2019-08-30📄accounts-with-accounts-type-dormantaccounts · AA
- 2018-08-31➕PEARL GROUP SECRETARIAT SERVICES LIMITED appointedcorporate-secretary
- 2018-08-31➖HORSBURGH, Frances Margaret resignedsecretary
- 2018-08-31➕MCGUIGAN, Ciaran Francis appointeddirector
- 2018-08-31➖MURRAY, Steven Grant resigneddirector
- 2017-10-19🔓Charge satisfied #89
- 2017-10-19🔓Charge satisfied #87
- 2017-10-19🔓Charge satisfied #59
- 2017-10-19🔓Charge satisfied #52
- 2017-10-19🔓Charge satisfied #50
- 2017-09-29➖GILL, John Easton resigneddirector
- 2017-09-29➕MURRAY, Steven Grant appointeddirector
- 2017-05-31➖HESKETH, Mark Alexander resigneddirector
- 2017-05-31➕PERCIVAL, Stephen Keith appointeddirector
- 2017-03-01➖MATTHEWS, Paul Stephen resigneddirector
- 2016-11-14🔓Charge satisfied #1
- 2015-08-27🔓Charge satisfied #88
- 2015-08-27🔓Charge satisfied #86
- 2015-08-27🔓Charge satisfied #85
- 2015-08-27🔓Charge satisfied #83
- 2015-08-27🔓Charge satisfied #82
- 2015-08-27🔓Charge satisfied #79
- 2015-08-27🔓Charge satisfied #78
- 2015-08-27🔓Charge satisfied #77
- 2015-08-27🔓Charge satisfied #64
- 2015-08-27🔓Charge satisfied #63
- 2015-08-27🔓Charge satisfied #60
Owner dependency
Some founder dependency, but not acute. A structured handover period should cover most risk.
- +Senior director age: Director aged approximately 58 — approaching natural succession window.
Succession & seller-readiness
Some succession indicators present. Worth watching; approach if sector/strategy fits.
- secondaryFounder aged 58+: Senior director is approximately 58. Early succession window.
Red flags
1 med ·Multiple instances where a charge was satisfied and a new charge created within 6 months. Suggests active refinancing cycle.
Group structure
Standard Life Assurance Limited 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 Assurance Limited Corporate entity | 75–100% | 75–100% | board control75-100% shares · 75-100% voting · board control | 06/04/2016 |
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
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| BLACKROCK DIVERSIFIED PRIVATE DEBT FUND GP LIMITED→ SC680149 · est 2020 · no financials extracted | — | — | — | — | 5y | — | — |
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| BRIM ENTERPRISE LTD→ SC579086 · est 2017 · no financials extracted | — | — | — | — | 8y | — | — |
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 →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 (4 active · 27 resigned)
Click a director name to see their full track record across all companies.
Mortgages & charges
| Type | Properties | |||||
|---|---|---|---|---|---|---|
| satisfied | Standard Life Bank Standard Life Bank PLC | Charge | 1 property | 28/01/2010 | 19/10/2017 | |
| satisfied | Standard Life Bank Standard Life Bank PLC | Charge | 1 property | 01/12/2009 | 27/08/2015 | |
| satisfied | Standard Life Bank Standard Life Bank PLC | Charge | 1 property | 01/12/2009 | 19/10/2017 | |
| satisfied | Standard Life Bank Standard Life Bank PLC | Charge | 1 property | 01/12/2009 | 27/08/2015 | |
| satisfied | Standard Life Bank Standard Life Bank PLC | Charge | 1 property | 15/09/2009 | 27/08/2015 | |
| satisfied | Standard Life Bank Standard Life Bank PLC | Charge | 1 property | 10/09/2009 | 20/01/2015 | |
| satisfied | Standard Life Bank Standard Life Bank PLC | Charge | 1 property | 02/09/2009 | 27/08/2015 | |
| satisfied | Standard Life Bank Standard Life Bank PLC | Charge | 1 property | 28/08/2009 | 27/08/2015 | |
| satisfied | Standard Life Bank Standard Life Bank PLC | Charge | 1 property | 14/08/2009 | 20/01/2015 | |
| satisfied | Standard Life Bank Standard Life Bank PLC | Charge | 1 property | 08/05/2009 | 20/01/2015 | |
| satisfied | Standard Life Bank Standard Life Bank PLC | Charge | 1 property | 13/03/2009 | 27/08/2015 | |
| satisfied | Standard Life Bank Standard Life Bank PLC | Charge | 1 property | 13/03/2009 | 27/08/2015 | |
| satisfied | Standard Life Bank Standard Life Bank PLC | Charge | 1 property | 27/02/2009 | 27/08/2015 | |
| satisfied | Kbc Homeloans Kbc Homeloans Limited | Legal charge | 1 property | 07/01/2009 | 20/01/2015 | |
| satisfied | Kbc Homeloans Kbc Homeloans Limited | Legal charge | 1 property | 07/01/2009 | 20/01/2015 | |
| satisfied | Kbc Homeloans Kbc Homeloans Limited | Legal charge | 1 property | 07/01/2009 | 20/01/2015 | |
| satisfied | Kbc Homeloans Kbc Homeloans Limited | Legal charge | 1 property | 07/01/2009 | 20/01/2015 | |
| satisfied | Kbc Homeloans Kbc Homeloans Limited | Legal charge | 1 property | 07/01/2009 | 20/01/2015 | |
| satisfied | Kbc Homeloans Kbc Homeloans Limited | Legal charge | 1 property | 07/01/2009 | 20/01/2015 | |
| satisfied | Kbc Homeloans Kbc Homeloans Limited | Legal charge | 1 property | 07/01/2009 | 20/01/2015 | |
| satisfied | Kbc Homeloans Kbc Homeloans Limited | Legal charge | 1 property | 07/01/2009 | 20/01/2015 | |
| satisfied | Kbc Homeloans Kbc Homeloans Limited | Legal charge | 1 property | 07/01/2009 | 20/01/2015 | |
| satisfied | Kbc Homeloans Kbc Homeloans Limited | Legal charge | 1 property | 07/01/2009 | 20/01/2015 | |
| satisfied | Kbc Homeloans Kbc Homeloans Limited | Legal charge | 1 property | 07/01/2009 | 20/01/2015 | |
| satisfied | Kbc Homeloans Kbc Homeloans Limited | Legal charge | 1 property | 07/01/2009 | 20/01/2015 | |
| satisfied | Kbc Homeloans Kbc Homeloans Limited | Legal charge | 1 property | 24/12/2008 | 27/08/2015 | |
| satisfied | Standard Life Bank Standard Life Bank Limited | Charge | 1 property | 14/11/2008 | 27/08/2015 | |
| satisfied | Wm Morrison Supermarkets Wm Morrison Supermarkets PLC | Fixed charge | 1 property | 03/10/2008 | 10/06/2009 | |
| satisfied | Danske Bank a/S | Mortgage | 1 property | 23/09/2008 | 15/07/2015 | |
| satisfied | Iib Homeloans Iib Homeloans Limited | Charge | 1 property | 18/09/2008 | 27/08/2015 | |
| satisfied | Iib Homeloans Iib Homeloans Limited | Charge | 1 property | 18/09/2008 | 19/10/2017 | |
| satisfied | Danske Bank a/S | Mortgage | 1 property | 07/08/2008 | 15/07/2015 | |
| satisfied | Standard Life Bank Standard Life Bank Limited | Charge | 1 property | 17/06/2008 | 27/08/2015 | |
| satisfied | Standard Life Bank Standard Life Bank Limited | Charge | 1 property | 12/06/2008 | 20/01/2015 | |
| satisfied | Danske Bank a/S | Mortgage | 1 property | 06/06/2008 | 15/07/2015 | |
| satisfied | Danske Bank a/S | Standard security | 1 property | 21/04/2008 | 15/07/2015 | |
| satisfied | Danske Bank a/S | Standard security | 1 property | 15/04/2008 | 15/07/2015 | |
| satisfied | Iib Homeloans Iib Homeloans Limited | Mortgage | 1 property | 01/04/2008 | 19/10/2017 | |
| satisfied | Iib Homeloans Iib Homeloans Limited | First legal mortage | 1 property | 20/02/2008 | 15/07/2015 | |
| satisfied | Iib Homeloans Iib Homeloans Limited | Mortgage deed | 2 properties | 21/01/2008 | 19/10/2017 | |
| satisfied | Danske Bank a/S | Mortgage | 1 property | 15/01/2008 | 15/07/2015 | |
| satisfied | Iib Homeloans Iib Homeloans Limited | Mortgage | 1 property | 17/12/2007 | 20/01/2015 | |
| satisfied | Iib Homeloans Iib Homeloans Limited | Mortgage | 1 property | 17/12/2007 | 20/01/2015 | |
| satisfied | Iib Homeloans Iib Homeloans Limited | Mortgage | 1 property | 17/12/2007 | 20/01/2015 | |
| satisfied | Standard Life Bank / Iib Homeloans Standard Life Bank Limited / Iib Homeloans Limited | Charge | 1 property | 29/11/2007 | 20/01/2015 | |
| satisfied | Danske Bank a/S | Mortgage | 1 property | 29/11/2007 | 15/07/2015 | |
| satisfied | Standard Life Bank Standard Life Bank Limited | Charge | 1 property | 28/11/2007 | 27/08/2015 | |
| satisfied | Iib Homeloans Iib Homeloans Limited | Mortgage deed | 1 property | 15/11/2007 | 27/08/2015 | |
| satisfied | Iib Homeloans Iib Homeloans Limited | Mortgage deed | 1 property | 14/11/2007 | 27/08/2015 | |
| satisfied | Iib Homeloans Iib Homeloans Limited | Mortgage deed | 1 property | 14/11/2007 | 27/08/2015 | |
| satisfied | Iib Homeloans Iib Homeloans Limited | Mortgage deed | 1 property | 13/11/2007 | 27/08/2015 | |
| satisfied | Iib Homeloans Iib Homeloans Limited | Mortgage deed | 1 property | 13/11/2007 | 27/08/2015 | |
| satisfied | Iib Homeloans Iib Homeloans Limited | Mortgage deed | 1 property | 13/11/2007 | 20/01/2015 | |
| satisfied | Iib Homeloans Iib Homeloans Limited | Mortgage deed | 1 property | 13/11/2007 | 27/08/2015 | |
| satisfied | Iib Homeloans Iib Homeloans Limited | Mortgage deed | 1 property | 01/11/2007 | 27/08/2015 | |
| satisfied | Danske Bank a/S | Mortgage | 1 property | 18/10/2007 | 15/07/2015 | |
| satisfied | Danske Bank a/S | Mortgage | 1 property | 03/10/2007 | 10/08/2015 | |
| satisfied | Danske Bank a/S | Legal mortgage | 1 property | 30/08/2007 | 15/07/2015 | |
| satisfied | Danske Bank a/S | Mortgage | 1 property | 28/08/2007 | 15/07/2015 | |
| satisfied | Iib Homeloans Iib Homeloans Limited | Mortgage | 1 property | 23/08/2007 | 15/07/2015 | |
| satisfied | Iib Homeloans Iib Homeloans Limited | Mortgage | 1 property | 22/08/2007 | 15/07/2015 | |
| satisfied | Danske Bank a/S | Mortgage | 1 property | 16/07/2007 | 15/07/2015 | |
| satisfied | Danske Bank a/S | Standard security | 1 property | 06/07/2007 | 15/07/2015 | |
| satisfied | Danske Bank a/S | Standard security | 1 property | 06/07/2007 | 15/07/2015 | |
| satisfied | Danske Bank a/S | Mortgage | 1 property | 29/06/2007 | 15/07/2015 | |
| satisfied | Danske Bank a/S | Standard security | 1 property | 29/06/2007 | 15/07/2015 | |
| satisfied | Iib Homeloans Iib Homeloans Limited | Legal mortgage | 1 property | 20/06/2007 | 15/07/2015 | |
| satisfied | Danske Bank a/S | Mortgage | 1 property | 01/06/2007 | 15/07/2015 | |
| satisfied | Danske Bank a/S | Mortgage | 1 property | 21/05/2007 | 15/07/2015 | |
| satisfied | Danske Bank a/S | Mortgage | 1 property | 21/05/2007 | 15/07/2015 | |
| satisfied | Danske Bank a/S | Mortgage | 1 property | 21/05/2007 | 15/07/2015 | |
| satisfied | Danske Bank a/S | Mortgage | 1 property | 21/05/2007 | 15/07/2015 | |
| satisfied | Danske Bank a/S | Mortgage | 1 property | 21/05/2007 | 15/07/2015 | |
| satisfied | Danske Bank a/S | Mortgage | 1 property | 21/05/2007 | 15/07/2015 | |
| satisfied | Danske Bank a/S | Mortgage | 1 property | 21/05/2007 | 15/07/2015 | |
| satisfied | Iib Homeloans Iib Homeloans Limited | Mortgage deed | 1 property | 11/05/2007 | 27/08/2015 | |
| satisfied | Iib Homeloans Iib Homeloans Limited | Mortgage deed | 1 property | 11/05/2007 | 20/01/2015 | |
| satisfied | Danske Bank a/S | First legal mortgage | 1 property | 09/05/2007 | 15/07/2015 | |
| satisfied | Iib Homeloans Iib Homeloans Limited | Mortgage deed | 1 property | 04/05/2007 | 27/08/2015 | |
| satisfied | Iib Homeloans Iib Homeloans Limited | Deed of mortgage | 1 property | 06/04/2007 | 15/07/2015 | |
| satisfied | Danske Bank a/S | Deed of mortgage | 1 property | 06/04/2007 | 15/07/2015 | |
| satisfied | Anglo Irish Bank Corporation Anglo Irish Bank Corporation PLC | Legal charge | 1 property | 21/02/2007 | 20/01/2015 | |
| satisfied | National Irish Bank National Irish Bank Limited | Mortgage | 1 property | 09/01/2007 | 15/07/2015 | |
| satisfied | National Irish Bank National Irish Bank Limited | First legal mortgage | 1 property | 12/12/2006 | 15/07/2015 | |
| satisfied | National Irish Bank National Irish Bank Limited | First legal mortgage | 1 property | 08/12/2006 | 15/07/2015 | |
| satisfied | Iib Homeloans Iib Homeloans LTD | Mortgage | 1 property | 06/12/2006 | 27/08/2015 | |
| outstanding | The Law Debenture Trust Corporation The Law Debenture Trust Corporation PLC | Floating charge | 1 property | 12/10/2006 | — | |
| satisfied | The Law Debenture Trust Corporation The Law Debenture Trust Corporation PLC | Floating charge | 1 property | 12/10/2006 | 09/06/2015 | |
| satisfied | Ans Homes Ans Homes Limited | Standard security | 1 property | 19/11/1998 | 14/11/2016 |