BAILLIE GIFFORD LIFE LIMITED

⚰️Wound downliquidation

SC182496 · ltd · incorporated 1998-01-22

Investment thesis

Company liquidation — 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

34/100

Pass

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What this business does

Primary activity: Life insurance

Sector: Financial & insurance

Investor take

Pass (distressed without resilience)

Distressed low-transparency controlled group — structural issues outweigh the discount.

Opportunity 34/100 (pass), bankability 22/100. Asset purchase likely safer than share purchase given structural signals. Biggest value-creation lever: File overdue accounts. Clears statutory overdue flag — immediate bankability uplift for refinance conversations. Most likely exit: asset disposal / carve-out (90/100). Current lenders should be on immediate intervention.

🏦

Refinance opportunity

20 live charges · 20 lenders · oldest 21.6y

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 21.6 years old — likely at or near maturity.
· 20 lenders named — inter-creditor friction likely.
· Legal-friction score 65/100 (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

Lenders & charges

20 charges (20/20 with lender, 20/20 with type)

Directors & officers

23 officers (0 active, 23 linked, 20 with DOB)

Ownership & PSC

2 active PSC(s) of 2 total, 2 with control declared

Director network

Network not yet resolved

Filing history

157 filings on record

Gazette notices

No matching gazette notices (standard for active companies)

Opportunity Score

34/100Pass

PassWatchWorth a lookStrongExceptional

Clear signal to pass. Time better spent elsewhere unless you have a specific strategic angle.

Business quality

Concerning — overdue filings or status flags present.

Acquirability

Some acquirability indicators.

Risk profile

Multiple red flags — proceed with caution.

Signal strength

100

Good data coverage for analysis.

Recent activity

Last 30 days

filings

Last 90 days

filings

Last 180 days

filings

Counts from Companies House filing history.

Corporate timeline (111 events)Click to expand

2022-11-10
📄
termination-director-company-with-name-termination-date
officers · TM01
2022-10-31
➖
FRASER, Kirsten Helen resigned
director
2019-04-24
📄
termination-director-company-with-name-termination-date
officers · TM01
2019-04-24
📄
termination-director-company-with-name-termination-date
officers · TM01
2019-04-16
➖
TAIT, Anthony Robert resigned
director
2019-04-16
➖
WARDEN, Alison Lois resigned
director
2019-02-21
📄
termination-secretary-company-with-name-termination-date
officers · TM02
2019-02-04
📍
move-registers-to-sail-company-with-new-address
address · AD03
2019-02-04
📍
change-sail-address-company-with-new-address
address · AD02
2019-02-04
📍
change-registered-office-address-company-with-date-old-address-new-address
address · AD01
2019-02-04
📄
resolution
resolution · RESOLUTIONS
2019-01-28
➖
LETHAM, Richard John resigned
secretary
2018-11-26
➖
MCKEE, Eleanor Clare resigned
director
2018-11-26
➖
MORRISON, Paul William resigned
director
2018-11-26
📄
termination-director-company-with-name-termination-date
officers · TM01
2018-11-26
📄
termination-director-company-with-name-termination-date
officers · TM01
2018-11-13
📄
mortgage-satisfy-charge-full
mortgage · MR04
2018-11-13
🔓
Charge satisfied #11
2018-11-07
📄
termination-director-company-with-name-termination-date
officers · TM01
2018-11-07
📄
termination-director-company-with-name-termination-date
officers · TM01
2018-11-06
➖
CREEDON, Seamus resigned
director
2018-11-06
➖
RIGBY, Bruce Keir resigned
director
2018-09-25
📄
mortgage-satisfy-charge-full
mortgage · MR04
2018-09-25
🔓
Charge satisfied #4
2018-08-30
📄
mortgage-satisfy-charge-full
mortgage · MR04
2018-08-30
🔓
Charge satisfied #16
2018-08-29
📄
mortgage-satisfy-charge-full
mortgage · MR04
2018-08-29
🔓
Charge satisfied #10
2018-06-26
📄
accounts-with-accounts-type-full
accounts · AA
2018-06-11
📄
mortgage-satisfy-charge-full
mortgage · MR04
2018-06-11
📄
mortgage-satisfy-charge-full
mortgage · MR04
2018-06-11
📄
mortgage-satisfy-charge-full
mortgage · MR04
2018-06-11
📄
mortgage-satisfy-charge-full
mortgage · MR04
2018-06-11
🔓
Charge satisfied #13
2018-06-11
🔓
Charge satisfied #12
2018-06-11
🔓
Charge satisfied #8
2018-06-11
🔓
Charge satisfied #1
2018-04-26
📄
mortgage-satisfy-charge-full
mortgage · MR04
2018-04-26
🔓
Charge satisfied #5
2018-04-25
📄
mortgage-satisfy-charge-full
mortgage · MR04
2018-04-25
🔓
Charge satisfied #2
2018-04-23
📄
mortgage-satisfy-charge-full
mortgage · MR04
2018-04-23
🔓
Charge satisfied #20
2018-04-23
🔓
Charge satisfied #19
2018-04-23
🔓
Charge satisfied #18
2018-04-23
🔓
Charge satisfied #17
2018-04-23
🔓
Charge satisfied #15
2018-04-23
🔓
Charge satisfied #9
2018-03-28
🔓
Charge satisfied #6
2018-03-28
🔓
Charge satisfied #3

Showing most recent 50 of 111 events

Owner dependency

50/100

Moderate — manageable with handover

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

Succession & seller-readiness

40/100

Moderate signal

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

SIGNALS

secondaryStable-but-static management: Company is 28 years old and no new directors in the last 3 years — succession not yet being planned internally.

Red flags

3 high · 1 med ·

Accounts overdue

high

Statutory accounts have not been filed by their due date. Can indicate admin breakdown, cash preservation, or deliberate delay.

Evidence: Next due: 2019-12-31

Confirmation statement overdue

high

Annual confirmation statement not filed on time. Required statutory filing — overdue is a strong discipline signal.

Evidence: Next due: 2020-02-05

Company in liquidation

high

Company is actively being wound up. Not a going concern.

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.

Shareholders & ownership

2 active beneficial owners

Name	Shares	Voting rights	Nature of control	Notified
Mr Andrew James Telfer Individual · British · DOB 05/1967 · age 59	—	—	board controlsig. influenceboard control · significant influence · firm interest	06/04/2016
Mr Charles Edmund Philip Plowden Individual · British · DOB 12/1960 · age 66	—	—	board controlsig. influenceboard control · significant influence · firm interest	06/04/2016

From Companies House Persons with Significant Control filings. Share ranges are banded per the public PSC regime.

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BLACKROCK DIVERSIFIED PRIVATE DEBT FUND GP LIMITED→ SC680149 · est 2020 · no financials extracted	—	—	—	—	5y	—	—
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BLUESKY INDEPENDENT WEALTH MANAGERS LTD→ SC535531 · est 2016 · no financials extracted	—	—	—	—	9y	—	—
BORDER TO COAST BEDFORDSHIRE GP LIMITED→ SC626605 · est 2019 · no financials extracted	—	—	—	—	7y	—	—
BORDER TO COAST CUMBRIA GP LIMITED→ SC626604 · est 2019 · no financials extracted	—	—	—	—	7y	—	—
BRAVO (DRINKS) LIMITED→ SC669698 · est 2020 · no financials extracted	—	—	—	—	5y	—	—
BREICH BUILDING COMPANY LIMITED→ SC442841 · est 2013 · no financials extracted	—	—	—	—	13y	—	—
BRIDGEPOINT EUROPE (SGP) LTD→ SC332267 · est 2007 · no financials extracted	—	—	—	—	18y	—	—
BRIDGEPOINT EUROPE III FP (GP) LIMITED→ SC279897 · est 2005 · no financials extracted	—	—	—	—	21y	—	—
BRIDGEPOINT EUROPE IV FP (GP) LIMITED→ SC330160 · est 2007 · no financials extracted	—	—	—	—	18y	—	—
BRIDGEPOINT PRIVATE EQUITY (SPAIN) FP GP LIMITED→ SC867986 · est 2025 · no financials extracted	—	—	—	—	—	—	—
BRIDGEPOINT PRIVATE EQUITY (SPAIN) FP SGP LIMITED→ SC852382 · est 2025 · no financials extracted	—	—	—	—	—	—	—

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

Statusliquidation

Typeltd

Incorporated1998-01-22

Jurisdictionscotland

Primary SIC65110 — Life insurance

Registered office

Atria One

144 Morrison Street

Edinburgh

EH3 8EX

Filing status

Accounts

Next due: 2019-12-31OVERDUE

Last made up to: 2018-03-31

Confirmation statement

Next due: 2020-02-05OVERDUE

Last: 2019-01-22

Officers (0 active · 23 resigned)

LETHAM, Richard John→

secretary · appointed 2010-06-09 · resigned 2019-01-28

Resigned

MEIKLEJOHN, Iain Maury Campbell→

nominee-secretary · appointed 1998-01-22 · resigned 1998-08-17

Resigned

WILSON, John Hendry→

secretary · appointed 1998-08-17 · resigned 2010-06-09

Resigned

ALLAN, James Murray→

director · ~69y · appointed 2005-06-09 · resigned 2016-11-16

Resigned

BURNS, Richard Ronald James→

director · ~80y · appointed 2000-02-14 · resigned 2006-02-14

Resigned

CALLANDER, Alexander James→

director · ~66y · appointed 1998-08-17 · resigned 2012-02-08

Resigned

CARSON, John Seton Burrell→

director · ~74y · appointed 2002-05-03 · resigned 2007-02-14

Resigned

CHRISTOPHERS, Michael→

director · ~84y · appointed 1998-11-10 · resigned 2008-11-13

Resigned

CREEDON, Seamus→

director · ~74y · appointed 2008-11-13 · resigned 2018-11-06

Resigned

FAIRWEATHER, James Henry Whitton→

director · ~80y · appointed 2004-11-26 · resigned 2011-06-07

Resigned

FLETCHER, Christopher George Alvan→

director · ~75y · appointed 1998-08-17 · resigned 2011-03-31

Resigned

FRASER, Kirsten Helen→

director · ~63y · appointed 2003-06-06 · resigned 2022-10-31

Resigned

GEMMELL, Gavin John Norman→

director · ~85y · appointed 1998-08-17 · resigned 2001-04-30

Resigned

MACKENZIE, Ian Douglas→

director · ~90y · appointed 1998-11-10 · resigned 2004-11-26

Resigned

MCKEE, Eleanor Clare→

director · ~57y · appointed 2012-08-28 · resigned 2018-11-26

Resigned

MEIKLEJOHN, Iain Maury Campbell→

nominee-director · ~72y · appointed 1998-01-22 · resigned 1998-08-17

Resigned

MORRISON, Paul William→

director · ~54y · appointed 2016-10-14 · resigned 2018-11-26

Resigned

PATERSON, Alan William→

director · ~59y · appointed 2011-03-04 · resigned 2013-11-18

Resigned

RIGBY, Bruce Keir→

director · ~72y · appointed 2011-06-07 · resigned 2018-11-06

Resigned

TAIT, Anthony Robert→

director · ~58y · appointed 2007-02-14 · resigned 2019-04-16

Resigned

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

Mortgages & charges

Total charges

Outstanding

Active lenders

Status:Lender:20 of 20 shown

		Type	Properties
satisfied	Legal and General Assurance (Pensions Management) Legal and General Assurance (Pensions Management) Limited	A registered charge	1 property	28/04/2016	23/04/2018
satisfied	Legal & General Assurance (Pensions Management) Legal & General Assurance (Pensions Management) Limited	A registered charge	—	28/04/2016	23/04/2018
satisfied	Zurich Assurance Zurich Assurance LTD	Deed of charge	1 property	20/05/2010	23/04/2018
satisfied	Blackrock Pensions Blackrock Pensions Limited	Deed of charge	1 property	02/04/2009	23/04/2018
satisfied	HSBC Hsbc Life (UK) Limited	Deed of charge	1 property	05/02/2009	30/08/2018
satisfied	The Royal London Mutual Insurance Sciety The Royal London Mutual Insurance Sciety Limited	Deed of charge	1 property	22/12/2008	23/04/2018
satisfied	Threadneedle Pensions Threadneedle Pensions Limited	Deed of charge	1 property	14/10/2008	19/01/2018
satisfied	Norwich Union Life & Pensions Norwich Union Life & Pensions Limited	Deed of charge	1 property	05/11/2007	11/06/2018
satisfied	Axa Sun Life Axa Sun Life PLC	Floating charge	1 property	05/07/2007	11/06/2018
satisfied	Fidelity Investments Life Insurance Fidelity Investments Life Insurance Limited	Floating charge	1 property	02/05/2007	13/11/2018
satisfied	Scottish Equitable Scottish Equitable PLC	Floating charge	1 property	30/08/2006	29/08/2018
satisfied	Standard Life Investment Funds Standard Life Investment Funds Limited	Floating charge	1 property	05/07/2006	23/04/2018
satisfied	Friends Provident Pensions Friends Provident Pensions Limited	Floating charge	1 property	06/01/2006	11/06/2018
satisfied	The Standard Life Assurance Company	Floating charge	1 property	29/11/2005	10/07/2006
satisfied	Scottish Widows Scottish Widows PLC	Floating charge	1 property	09/11/2005	28/03/2018
satisfied	Prudential Pensions Prudential Pensions Limited	Floating charge	1 property	09/11/2005	26/04/2018
satisfied	Investment Solutions Investment Solutions Limited	Floating charge	1 property	02/06/2005	25/09/2018
satisfied	Skandia Life Assurance Company Skandia Life Assurance Company Limited	Floating charge	1 property	28/04/2005	28/03/2018
satisfied	Winterthur Pension Funds UK Winterthur Pension Funds UK Limited	Floating charge	1 property	22/09/2004	25/04/2018
satisfied	Winterthur Life UK Winterthur Life UK Limited	Floating charge	1 property	22/09/2004	11/06/2018

Recent filings (157 total)

termination-director-company-with-name-termination-date

officers · TM01

2022-11-10

termination-director-company-with-name-termination-date

officers · TM01

2019-04-24

termination-director-company-with-name-termination-date

officers · TM01

2019-04-24

termination-secretary-company-with-name-termination-date

officers · TM02

2019-02-21

move-registers-to-sail-company-with-new-address

address · AD03

2019-02-04

change-sail-address-company-with-new-address

address · AD02

2019-02-04

change-registered-office-address-company-with-date-old-address-new-address

address · AD01

2019-02-04

resolution

resolution · RESOLUTIONS

2019-02-04

confirmation-statement-with-no-updates

confirmation-statement · CS01

2019-01-24

termination-director-company-with-name-termination-date

officers · TM01

2018-11-26

termination-director-company-with-name-termination-date

officers · TM01

2018-11-26

mortgage-satisfy-charge-full

mortgage · MR04

2018-11-13

termination-director-company-with-name-termination-date

officers · TM01

2018-11-07

termination-director-company-with-name-termination-date

officers · TM01

2018-11-07

mortgage-satisfy-charge-full

mortgage · MR04

2018-09-25