SCOTTISH WIDOWS GROUP LIMITED

🌳Matureactive

SC199547 · ltd · incorporated 1999-09-01

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.

Opportunity decay

approaching window · 12-months

Approaching a transaction window — refinance or sale event plausible in the next 12 months.

· Oldest live charge 10.2y old — refinance window within 12 months

🔒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: Activities of head offices

Sector: Professional, scientific & technical

Investor take

Pursue

Active trading company with a 68-year-old founder — textbook succession opportunity.

Opportunity 77/100 (strong), bankability 85/100. Strong seller-intent signal (63/100, director aged 68). Share purchase looks the cleaner deal structure. Most likely exit: share sale to pe / searcher (65/100).

🏦

Refinance opportunity

1 live charge · oldest 10.2y

65/100

clean up first

Refinance viable after a tidy-up — address the highlighted items first.

· Oldest live charge is 10.2 years old — likely at or near maturity.
· Single lender — cleanest path to refinance.
· Legal-friction score 28/100 — workable, but lender will want more DD.

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

Lenders & charges

1 charges (1/1 with lender, 1/1 with type)

Directors & officers

87 officers (11 active, 87 linked, 74 with DOB)

Ownership & PSC

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

Director network

14 connected companies via shared directors

Filing history

380 filings on record

Gazette notices

No matching gazette notices (standard for active companies)

Opportunity Score

77/100Strong

PassWatchWorth a lookStrongExceptional

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

Business quality

Active, clean filings, stable charge profile.

Acquirability

Strong succession / seller-readiness signals.

Risk profile

Few red flags.

Signal strength

100

Good data coverage for analysis.

Recent activity

Last 30 days

filing

• 1 accounts

Last 90 days

filings

• 3 officers
• 1 accounts
• 1 capital

Last 180 days

filings

• 4 officers
• 1 accounts
• 1 capital

Counts from Companies House filing history.

Corporate timeline (189 events)Click to expand

2026-04-01
📄
accounts-with-accounts-type-full
accounts · AA
2026-03-02
📄
appoint-person-secretary-company-with-name-date
officers · AP03
2026-03-02
📄
termination-secretary-company-with-name-termination-date
officers · TM02
2026-03-01
➕
RAMAN, Krishna Venkata appointed
secretary
2026-02-28
➖
RIDDY, Caroline Anne resigned
secretary
2026-02-03
📄
appoint-person-director-company-with-name-date
officers · AP01
2026-02-02
➕
BRUMPTON, Dena Jane appointed
director
2026-02-02
📄
capital-allotment-shares
capital · SH01
2025-11-03
📄
termination-director-company-with-name-termination-date
officers · TM01
2025-10-31
➖
WHEWAY, Jonathan Scott resigned
director
2025-07-16
📄
appoint-person-director-company-with-name-date
officers · AP01
2025-07-07
➕
TRUSSELL, Mary Helen appointed
director
2025-06-05
📄
termination-director-company-with-name-termination-date
officers · TM01
2025-06-04
➖
HARRIS, Joanna Kate resigned
director
2025-04-04
📄
accounts-with-accounts-type-full
accounts · AA
2025-03-19
📄
termination-director-company-with-name-termination-date
officers · TM01
2025-03-18
➖
DAVIS, Deborah Lee resigned
director
2024-12-04
📄
change-person-director-company-with-change-date
officers · CH01
2024-12-03
📄
change-person-director-company-with-change-date
officers · CH01
2024-12-03
📄
change-person-director-company-with-change-date
officers · CH01
2024-12-03
📄
change-person-director-company-with-change-date
officers · CH01
2024-12-02
📍
change-registered-office-address-company-with-date-old-address-new-address
address · AD01
2024-09-19
📄
appoint-person-secretary-company-with-name-date
officers · AP03
2024-09-19
📄
termination-secretary-company-with-name-termination-date
officers · TM02
2024-09-13
➕
RIDDY, Caroline Anne appointed
secretary
2024-09-12
➖
WILLIAMS, Jesujuwonlo resigned
secretary
2024-09-05
📄
appoint-person-director-company-with-name-date
officers · AP01
2024-09-02
➕
MCNAMARA, Paul Gerard appointed
director
2024-07-01
📄
termination-director-company-with-name-termination-date
officers · TM01
2024-06-30
➖
REIZENSTEIN, Anthony Jonathan resigned
director
2024-04-10
📄
accounts-with-accounts-type-full
accounts · AA
2024-03-29
➕
WILLIAMS, Jesujuwonlo appointed
secretary
2024-03-29
📄
appoint-person-secretary-company-with-name-date
officers · AP03
2024-03-29
📄
termination-secretary-company-with-name-termination-date
officers · TM02
2024-03-28
➖
JOLLY, Joanne Margaret resigned
secretary
2024-03-04
📄
appoint-person-director-company-with-name-date
officers · AP01
2024-03-01
➕
COOPER, Kirstine Ann appointed
director
2024-01-15
➕
NYAHASHA, Shingirai Thaddeus appointed
director
2024-01-15
➖
DOWNIE, Michael Ronald resigned
director
2024-01-01
➕
CUHLS, Matthew Hilmar appointed
director
2023-10-25
🔓
Charge satisfied #1
2023-09-30
➖
O'CONNOR, Sophie Jane resigned
director
2023-09-29
➕
HARRIS, Joanna Kate appointed
director
2023-09-01
➕
DOWNIE, Michael Ronald appointed
director
2023-08-31
➖
HILLMAN, James Christopher Steuart resigned
director
2023-05-31
➕
BARUA, Chirantan appointed
director
2023-05-30
➖
LORENZO, Antonio resigned
director
2022-10-07
➖
CURTIS, Jane Elizabeth Mary resigned
director
2022-08-01
➕
WHEWAY, Jonathan Scott appointed
director
2022-03-18
➕
DAVIS, Deborah Lee appointed
director

Showing most recent 50 of 189 events

Owner dependency

55/100

Moderate — manageable with handover

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

FACTORS

-10 active directors: Broader management team in place — suggests transferable governance.
+Founder age: Director aged approximately 68 — succession pressure is live.

Succession & seller-readiness

50/100

Moderate signal

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

SIGNALS

primaryFounder aged 63+: Senior director is approximately 68. Approaching typical UK retirement age — succession thinking likely.

Red flags

1 med ·

3 director resignations in last 12 months

medium

Multiple recent departures can indicate governance disagreement, succession event, or preparation for sale/stress.

Evidence: RIDDY, Caroline Anne resigned 2026-02-28; HARRIS, Joanna Kate resigned 2025-06-04; WHEWAY, Jonathan Scott resigned 2025-10-31

Group structure

Lloyds Banking Group Plc is the ultimate parent — holding 75%+ shares. This company sits inside their group.

🏛️

Lloyds Banking Group Plc

Corporate parent · holds 75-100% shares · board control

ultimate parent

⬇

SCOTTISH WIDOWS GROUP LIMITED

This company · SC199547

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
Lloyds Banking Group Plc Corporate entity	75–100%	75–100%	board control75-100% shares · 75-100% voting · board control	02/05/2018

1 historic (ceased) PSC

Lloyds Bank Plcceased 02/05/2018· 75-100% shares · 75-100% voting · board control

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.

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🔒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.

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Company details

Statusactive

Typeltd

Incorporated1999-09-01

Jurisdictionscotland

Primary SIC70100 — Activities of head offices

Registered office

The Mound

Edinburgh

EH1 1YZ

United Kingdom

Filing status

Accounts

Next due: 2027-09-30

Last made up to: 2025-12-31

Confirmation statement

Next due: 2026-11-21

Last: 2025-11-07