STANDARD LIFE INVESTMENT FUNDS LIMITED

🌳Matureactive
SC068442 · ltd · incorporated 1979-06-07
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
77/100
Strong
🔔
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What this business does
Primary activity: Life insurance
Sector: Financial & insurance
Investor take
Pursue
Strong opportunity: active trading company with strong profile and acceptable with review structure.

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

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 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.

Company profile
address, 1 SIC codes, incorporation date
100
Financials
No iXBRL financials extracted
0
Lenders & charges
89 charges (89/89 with lender, 89/89 with type)
90
Directors & officers
31 officers (4 active, 31 linked, 25 with DOB)
86
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
364 filings on record
85
Gazette notices
No matching gazette notices (standard for active companies)
60
Opportunity Score
77/100Strong
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
77
Few red flags.
Signal strength
100
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 (250 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. 2025-07-21
    📄
    accounts-with-accounts-type-dormant
    accounts · AA
  5. 2025-06-19
    📄
    change-person-director-company-with-change-date
    officers · CH01
  6. 2025-01-03
    📄
    change-person-director-company-with-change-date
    officers · CH01
  7. 2024-07-08
    📄
    accounts-with-accounts-type-dormant
    accounts · AA
  8. 2024-01-11
    📄
    change-person-director-company-with-change-date
    officers · CH01
  9. 2023-02-14
    📄
    accounts-with-accounts-type-dormant
    accounts · AA
  10. 2022-01-20
    📄
    accounts-with-accounts-type-dormant
    accounts · AA
  11. 2021-12-14
    📄
    statement-of-companys-objects
    change-of-constitution · CC04
  12. 2021-12-14
    📄
    memorandum-articles
    incorporation · MA
  13. 2021-12-14
    📄
    resolution
    resolution · RESOLUTIONS
  14. 2021-09-24
    📄
    accounts-with-accounts-type-dormant
    accounts · AA
  15. 2021-05-19
    📄
    termination-director-company-with-name-termination-date
    officers · TM01
  16. 2021-05-19
    📄
    appoint-person-director-company-with-name-date
    officers · AP01
  17. 2021-05-19
    📄
    appoint-person-director-company-with-name-date
    officers · AP01
  18. 2021-05-19
    📄
    termination-director-company-with-name-termination-date
    officers · TM01
  19. 2021-04-30
    SUTTON, Kerry Elizabeth appointed
    director
  20. 2021-04-30
    TYSON, Peter Trygve appointed
    director
  21. 2021-04-30
    PERCIVAL, Stephen Keith resigned
    director
  22. 2021-02-01
    MCGUIGAN, Ciaran Francis resigned
    director
  23. 2020-08-04
    📄
    accounts-with-accounts-type-dormant
    accounts · AA
  24. 2019-08-30
    📄
    accounts-with-accounts-type-dormant
    accounts · AA
  25. 2018-08-31
    PEARL GROUP SECRETARIAT SERVICES LIMITED appointed
    corporate-secretary
  26. 2018-08-31
    HORSBURGH, Frances Margaret resigned
    secretary
  27. 2018-08-31
    MCGUIGAN, Ciaran Francis appointed
    director
  28. 2018-08-31
    MURRAY, Steven Grant resigned
    director
  29. 2017-10-19
    🔓
    Charge satisfied #89
  30. 2017-10-19
    🔓
    Charge satisfied #87
  31. 2017-10-19
    🔓
    Charge satisfied #59
  32. 2017-10-19
    🔓
    Charge satisfied #52
  33. 2017-10-19
    🔓
    Charge satisfied #50
  34. 2017-09-29
    GILL, John Easton resigned
    director
  35. 2017-09-29
    MURRAY, Steven Grant appointed
    director
  36. 2017-05-31
    HESKETH, Mark Alexander resigned
    director
  37. 2017-05-31
    PERCIVAL, Stephen Keith appointed
    director
  38. 2017-03-01
    MATTHEWS, Paul Stephen resigned
    director
  39. 2016-11-14
    🔓
    Charge satisfied #1
  40. 2015-08-27
    🔓
    Charge satisfied #88
  41. 2015-08-27
    🔓
    Charge satisfied #86
  42. 2015-08-27
    🔓
    Charge satisfied #85
  43. 2015-08-27
    🔓
    Charge satisfied #83
  44. 2015-08-27
    🔓
    Charge satisfied #82
  45. 2015-08-27
    🔓
    Charge satisfied #79
  46. 2015-08-27
    🔓
    Charge satisfied #78
  47. 2015-08-27
    🔓
    Charge satisfied #77
  48. 2015-08-27
    🔓
    Charge satisfied #64
  49. 2015-08-27
    🔓
    Charge satisfied #63
  50. 2015-08-27
    🔓
    Charge satisfied #60
Showing most recent 50 of 250 events

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

40/100
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.

Red flags

1 med ·
Charge satisfaction-then-recreation pattern
medium

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.

🏛️
Standard Life Assurance Limited
Corporate parent · holds 75-100% shares · board control
ultimate parent
STANDARD LIFE INVESTMENT FUNDS LIMITED
This company · SC068442

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
75100%
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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🔒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
Incorporated1979-06-07
Jurisdictionscotland
Primary SIC65110 — Life insurance

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 · 27 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 2021-04-30
View their other companies + combined net worth →
Active
TYSON, Peter Trygve
director · ~58y · appointed 2021-04-30
View their other companies + combined net worth →
Active
FOTHERINGHAM, David Drysdale
secretary · appointed 1993-11-15 · resigned 1996-03-01
Resigned
GRAY, Archibald James Angus Macuish
secretary · resigned 1993-11-14
Resigned
HORSBURGH, Frances Margaret
secretary · appointed 2015-04-23 · resigned 2018-08-31
Resigned
MCGOVERN, Gillian
secretary · appointed 2007-05-01 · resigned 2015-04-23
Resigned
SOMERVILLE, Peter Walter
secretary · appointed 1996-03-01 · resigned 2007-05-01
Resigned
AIREY, Lawrence, Sir
director · ~100y · resigned 1994-03-22
Resigned
BELL, Alexander Scott
director · ~85y · resigned 2002-03-15
Resigned
BENTLEY, David Cameron
director · ~72y · appointed 2002-03-16 · resigned 2005-12-01
Resigned
BLACK, James Masson
director · ~62y · appointed 2008-11-07 · resigned 2010-12-31
Resigned
BOURKE, Evelyn Brigid
director · ~61y · appointed 2006-08-07 · resigned 2008-11-07
Resigned
DOHERTY, Shaun Edward
director · ~68y · appointed 2005-12-01 · resigned 2006-08-07
Resigned
DOUGLAS, Simon David George
director · ~61y · appointed 2005-12-01 · resigned 2006-04-27
Resigned
GILL, John Easton
director · ~62y · appointed 2005-12-01 · resigned 2017-09-29
Resigned
HESKETH, Mark Alexander
director · ~65y · appointed 2011-04-18 · resigned 2017-05-31
Resigned
HYLANDS, John Francis
director · ~75y · appointed 2001-12-16 · resigned 2005-12-01
Resigned
JOSHI, Peter Kamalakant
director · ~61y · appointed 2008-02-29 · resigned 2008-10-31
Resigned

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

Mortgages & charges

89
Total charges
1
Outstanding
1
Active lenders
Status:Lender:89 of 89 shown
TypeProperties
satisfied
Standard Life Bank
Standard Life Bank PLC
Charge1 property28/01/201019/10/2017
satisfied
Standard Life Bank
Standard Life Bank PLC
Charge1 property01/12/200927/08/2015
satisfied
Standard Life Bank
Standard Life Bank PLC
Charge1 property01/12/200919/10/2017
satisfied
Standard Life Bank
Standard Life Bank PLC
Charge1 property01/12/200927/08/2015
satisfied
Standard Life Bank
Standard Life Bank PLC
Charge1 property15/09/200927/08/2015
satisfied
Standard Life Bank
Standard Life Bank PLC
Charge1 property10/09/200920/01/2015
satisfied
Standard Life Bank
Standard Life Bank PLC
Charge1 property02/09/200927/08/2015
satisfied
Standard Life Bank
Standard Life Bank PLC
Charge1 property28/08/200927/08/2015
satisfied
Standard Life Bank
Standard Life Bank PLC
Charge1 property14/08/200920/01/2015
satisfied
Standard Life Bank
Standard Life Bank PLC
Charge1 property08/05/200920/01/2015
satisfied
Standard Life Bank
Standard Life Bank PLC
Charge1 property13/03/200927/08/2015
satisfied
Standard Life Bank
Standard Life Bank PLC
Charge1 property13/03/200927/08/2015
satisfied
Standard Life Bank
Standard Life Bank PLC
Charge1 property27/02/200927/08/2015
satisfied
Kbc Homeloans
Kbc Homeloans Limited
Legal charge1 property07/01/200920/01/2015
satisfied
Kbc Homeloans
Kbc Homeloans Limited
Legal charge1 property07/01/200920/01/2015
satisfied
Kbc Homeloans
Kbc Homeloans Limited
Legal charge1 property07/01/200920/01/2015
satisfied
Kbc Homeloans
Kbc Homeloans Limited
Legal charge1 property07/01/200920/01/2015
satisfied
Kbc Homeloans
Kbc Homeloans Limited
Legal charge1 property07/01/200920/01/2015
satisfied
Kbc Homeloans
Kbc Homeloans Limited
Legal charge1 property07/01/200920/01/2015
satisfied
Kbc Homeloans
Kbc Homeloans Limited
Legal charge1 property07/01/200920/01/2015
satisfied
Kbc Homeloans
Kbc Homeloans Limited
Legal charge1 property07/01/200920/01/2015
satisfied
Kbc Homeloans
Kbc Homeloans Limited
Legal charge1 property07/01/200920/01/2015
satisfied
Kbc Homeloans
Kbc Homeloans Limited
Legal charge1 property07/01/200920/01/2015
satisfied
Kbc Homeloans
Kbc Homeloans Limited
Legal charge1 property07/01/200920/01/2015
satisfied
Kbc Homeloans
Kbc Homeloans Limited
Legal charge1 property07/01/200920/01/2015
satisfied
Kbc Homeloans
Kbc Homeloans Limited
Legal charge1 property24/12/200827/08/2015
satisfied
Standard Life Bank
Standard Life Bank Limited
Charge1 property14/11/200827/08/2015
satisfied
Wm Morrison Supermarkets
Wm Morrison Supermarkets PLC
Fixed charge1 property03/10/200810/06/2009
satisfied
Danske Bank a/S
Mortgage1 property23/09/200815/07/2015
satisfied
Iib Homeloans
Iib Homeloans Limited
Charge1 property18/09/200827/08/2015
satisfied
Iib Homeloans
Iib Homeloans Limited
Charge1 property18/09/200819/10/2017
satisfied
Danske Bank a/S
Mortgage1 property07/08/200815/07/2015
satisfied
Standard Life Bank
Standard Life Bank Limited
Charge1 property17/06/200827/08/2015
satisfied
Standard Life Bank
Standard Life Bank Limited
Charge1 property12/06/200820/01/2015
satisfied
Danske Bank a/S
Mortgage1 property06/06/200815/07/2015
satisfied
Danske Bank a/S
Standard security1 property21/04/200815/07/2015
satisfied
Danske Bank a/S
Standard security1 property15/04/200815/07/2015
satisfied
Iib Homeloans
Iib Homeloans Limited
Mortgage1 property01/04/200819/10/2017
satisfied
Iib Homeloans
Iib Homeloans Limited
First legal mortage1 property20/02/200815/07/2015
satisfied
Iib Homeloans
Iib Homeloans Limited
Mortgage deed2 properties21/01/200819/10/2017
satisfied
Danske Bank a/S
Mortgage1 property15/01/200815/07/2015
satisfied
Iib Homeloans
Iib Homeloans Limited
Mortgage1 property17/12/200720/01/2015
satisfied
Iib Homeloans
Iib Homeloans Limited
Mortgage1 property17/12/200720/01/2015
satisfied
Iib Homeloans
Iib Homeloans Limited
Mortgage1 property17/12/200720/01/2015
satisfied
Standard Life Bank / Iib Homeloans
Standard Life Bank Limited / Iib Homeloans Limited
Charge1 property29/11/200720/01/2015
satisfied
Danske Bank a/S
Mortgage1 property29/11/200715/07/2015
satisfied
Standard Life Bank
Standard Life Bank Limited
Charge1 property28/11/200727/08/2015
satisfied
Iib Homeloans
Iib Homeloans Limited
Mortgage deed1 property15/11/200727/08/2015
satisfied
Iib Homeloans
Iib Homeloans Limited
Mortgage deed1 property14/11/200727/08/2015
satisfied
Iib Homeloans
Iib Homeloans Limited
Mortgage deed1 property14/11/200727/08/2015
satisfied
Iib Homeloans
Iib Homeloans Limited
Mortgage deed1 property13/11/200727/08/2015
satisfied
Iib Homeloans
Iib Homeloans Limited
Mortgage deed1 property13/11/200727/08/2015
satisfied
Iib Homeloans
Iib Homeloans Limited
Mortgage deed1 property13/11/200720/01/2015
satisfied
Iib Homeloans
Iib Homeloans Limited
Mortgage deed1 property13/11/200727/08/2015
satisfied
Iib Homeloans
Iib Homeloans Limited
Mortgage deed1 property01/11/200727/08/2015
satisfied
Danske Bank a/S
Mortgage1 property18/10/200715/07/2015
satisfied
Danske Bank a/S
Mortgage1 property03/10/200710/08/2015
satisfied
Danske Bank a/S
Legal mortgage1 property30/08/200715/07/2015
satisfied
Danske Bank a/S
Mortgage1 property28/08/200715/07/2015
satisfied
Iib Homeloans
Iib Homeloans Limited
Mortgage1 property23/08/200715/07/2015
satisfied
Iib Homeloans
Iib Homeloans Limited
Mortgage1 property22/08/200715/07/2015
satisfied
Danske Bank a/S
Mortgage1 property16/07/200715/07/2015
satisfied
Danske Bank a/S
Standard security1 property06/07/200715/07/2015
satisfied
Danske Bank a/S
Standard security1 property06/07/200715/07/2015
satisfied
Danske Bank a/S
Mortgage1 property29/06/200715/07/2015
satisfied
Danske Bank a/S
Standard security1 property29/06/200715/07/2015
satisfied
Iib Homeloans
Iib Homeloans Limited
Legal mortgage1 property20/06/200715/07/2015
satisfied
Danske Bank a/S
Mortgage1 property01/06/200715/07/2015
satisfied
Danske Bank a/S
Mortgage1 property21/05/200715/07/2015
satisfied
Danske Bank a/S
Mortgage1 property21/05/200715/07/2015
satisfied
Danske Bank a/S
Mortgage1 property21/05/200715/07/2015
satisfied
Danske Bank a/S
Mortgage1 property21/05/200715/07/2015
satisfied
Danske Bank a/S
Mortgage1 property21/05/200715/07/2015
satisfied
Danske Bank a/S
Mortgage1 property21/05/200715/07/2015
satisfied
Danske Bank a/S
Mortgage1 property21/05/200715/07/2015
satisfied
Iib Homeloans
Iib Homeloans Limited
Mortgage deed1 property11/05/200727/08/2015
satisfied
Iib Homeloans
Iib Homeloans Limited
Mortgage deed1 property11/05/200720/01/2015
satisfied
Danske Bank a/S
First legal mortgage1 property09/05/200715/07/2015
satisfied
Iib Homeloans
Iib Homeloans Limited
Mortgage deed1 property04/05/200727/08/2015
satisfied
Iib Homeloans
Iib Homeloans Limited
Deed of mortgage1 property06/04/200715/07/2015
satisfied
Danske Bank a/S
Deed of mortgage1 property06/04/200715/07/2015
satisfied
Anglo Irish Bank Corporation
Anglo Irish Bank Corporation PLC
Legal charge1 property21/02/200720/01/2015
satisfied
National Irish Bank
National Irish Bank Limited
Mortgage1 property09/01/200715/07/2015
satisfied
National Irish Bank
National Irish Bank Limited
First legal mortgage1 property12/12/200615/07/2015
satisfied
National Irish Bank
National Irish Bank Limited
First legal mortgage1 property08/12/200615/07/2015
satisfied
Iib Homeloans
Iib Homeloans LTD
Mortgage1 property06/12/200627/08/2015
outstanding
The Law Debenture Trust Corporation
The Law Debenture Trust Corporation PLC
Floating charge1 property12/10/2006
satisfied
The Law Debenture Trust Corporation
The Law Debenture Trust Corporation PLC
Floating charge1 property12/10/200609/06/2015
satisfied
Ans Homes
Ans Homes Limited
Standard security1 property19/11/199814/11/2016
Click column headers to sort. Use filters above to narrow by status and lender.

Recent filings (364 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
2025-07-21
confirmation-statement-with-no-updates
confirmation-statement · CS01
2025-06-22
change-person-director-company-with-change-date
officers · CH01
2025-06-19
change-person-director-company-with-change-date
officers · CH01
2025-01-03
accounts-with-accounts-type-dormant
accounts · AA
2024-07-08
confirmation-statement-with-no-updates
confirmation-statement · CS01
2024-06-21
change-person-director-company-with-change-date
officers · CH01
2024-01-11
confirmation-statement-with-no-updates
confirmation-statement · CS01
2023-06-30
accounts-with-accounts-type-dormant
accounts · AA
2023-02-14
confirmation-statement-with-no-updates
confirmation-statement · CS01
2022-07-01
accounts-with-accounts-type-dormant
accounts · AA
2022-01-20
statement-of-companys-objects
change-of-constitution · CC04
2021-12-14
memorandum-articles
incorporation · MA
2021-12-14