SCOTTISH WIDOWS FINANCIAL SERVICES HOLDINGS
🌳Matureactive
SC199548 · private-unlimited · 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.
🔒Estimated value
—
Upgrade to see
Turnover
—
not disclosed
Net worth
—
book net assets
Opportunity
70/100
Strong
What this business does
Primary activity: Activities of head offices
Sector: Professional, scientific & technical
Investor take
PursueStrong opportunity: active trading company with strong profile and bankable structure.
Opportunity 70/100 (strong), bankability 75/100. Share purchase looks the cleaner deal structure. Most likely exit: strategic trade sale (63/100).
Data confidence
Overall: medium (60/100)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
Confirmed no charges registered
85
Directors & officers
77 officers (3 active, 77 linked, 62 with DOB)
86
Ownership & PSC
1 active PSC(s) of 1 total, 1 with control declared
90
Director network
17 connected companies via shared directors
90
Filing history
310 filings on record
85
Gazette notices
No matching gazette notices (standard for active companies)
60
Opportunity Score
70/100Strong
PassWatchWorth a lookStrongExceptional
Solid opportunity signal. Worth a dedicated memo and management meeting.
Business quality
70
Active, clean filings, stable charge profile.
Acquirability
50
Some acquirability indicators.
Risk profile
77
Few red flags.
Signal strength
90
Good data coverage for analysis.
Recent activity
Last 30 days
1
filing
- • 1 accounts
Last 90 days
1
filing
- • 1 accounts
Last 180 days
2
filings
- • 1 accounts
- • 1 confirmation-statement
Counts from Companies House filing history.
Corporate timeline (175 events)Click to expand
- 2026-04-01📄accounts-with-accounts-type-fullaccounts · AA
- 2025-09-26📄appoint-person-director-company-with-name-dateofficers · AP01
- 2025-09-26📄termination-director-company-with-name-termination-dateofficers · TM01
- 2025-09-26📄appoint-person-secretary-company-with-name-dateofficers · AP03
- 2025-09-26📄appoint-person-director-company-with-name-dateofficers · AP01
- 2025-09-25➕MCKAY, Karen Joanne appointedsecretary
- 2025-09-25➖RIDDY, Caroline Anne resignedsecretary
- 2025-09-25📄termination-director-company-with-name-termination-dateofficers · TM01
- 2025-09-25📄termination-director-company-with-name-termination-dateofficers · TM01
- 2025-09-25📄termination-secretary-company-with-name-termination-dateofficers · TM02
- 2025-09-25📄termination-director-company-with-name-termination-dateofficers · TM01
- 2025-09-25📄termination-director-company-with-name-termination-dateofficers · TM01
- 2025-09-25📄termination-director-company-with-name-termination-dateofficers · TM01
- 2025-09-25📄termination-director-company-with-name-termination-dateofficers · TM01
- 2025-09-25📄termination-director-company-with-name-termination-dateofficers · TM01
- 2025-09-25📄termination-director-company-with-name-termination-dateofficers · TM01
- 2025-09-25📄termination-director-company-with-name-termination-dateofficers · TM01
- 2025-09-17➕BEZUIDENHOUT, Jacques Lodewickus appointeddirector
- 2025-09-17➕MESSENGER, Rachel Anne appointeddirector
- 2025-09-17➖BARUA, Chirantan resigneddirector
- 2025-09-17➖CHALMERS, William Leon David resigneddirector
- 2025-09-17➖COOPER, Kirstine Ann resigneddirector
- 2025-09-17➖CUHLS, Matthew Hilmar resigneddirector
- 2025-09-17➖MCNAMARA, Paul Gerard resigneddirector
- 2025-09-17➖MOULDER, Christopher John George resigneddirector
- 2025-09-17➖NYAHASHA, Shingirai Thaddeus resigneddirector
- 2025-09-17➖SCHUMACHER, Gayle Elaine resigneddirector
- 2025-09-17➖TRUSSELL, Mary Helen resigneddirector
- 2025-09-17➖WHEWAY, Jonathan Scott resigneddirector
- 2025-07-16📄appoint-person-director-company-with-name-dateofficers · AP01
- 2025-07-07➕TRUSSELL, Mary Helen appointeddirector
- 2025-06-05📄termination-director-company-with-name-termination-dateofficers · TM01
- 2025-06-04➖HARRIS, Joanna Kate resigneddirector
- 2025-04-04📄accounts-with-accounts-type-fullaccounts · AA
- 2025-03-19📄termination-director-company-with-name-termination-dateofficers · TM01
- 2025-03-18➖DAVIS, Deborah Lee resigneddirector
- 2024-12-12📄resolutionresolution · RESOLUTIONS
- 2024-12-04📄change-person-director-company-with-change-dateofficers · CH01
- 2024-12-03📄change-person-director-company-with-change-dateofficers · CH01
- 2024-12-03📄change-person-director-company-with-change-dateofficers · CH01
- 2024-09-13➕RIDDY, Caroline Anne appointedsecretary
- 2024-09-12➖WILLIAMS, Jesujuwonlo resignedsecretary
- 2024-09-02➕MCNAMARA, Paul Gerard appointeddirector
- 2024-06-30➖REIZENSTEIN, Anthony Jonathan resigneddirector
- 2024-03-29➕WILLIAMS, Jesujuwonlo appointedsecretary
- 2024-03-28➖JOLLY, Joanne Margaret resignedsecretary
- 2024-03-01➕COOPER, Kirstine Ann appointeddirector
- 2024-01-15➖DOWNIE, Michael Ronald resigneddirector
- 2024-01-15➕NYAHASHA, Shingirai Thaddeus appointeddirector
- 2024-01-01➕CUHLS, Matthew Hilmar appointeddirector
Showing most recent 50 of 175 events
Owner dependency
58/100
Moderate — manageable with handoverSome founder dependency, but not acute. A structured handover period should cover most risk.
FACTORS
- +Two-director setup: Only two active directors — typical of owner-managed SMEs but limits succession.
Succession & seller-readiness
36/100
Weak signalLimited succession signal. Not a near-term off-market candidate.
SIGNALS
- secondaryTwo-director governance: Small-team governance. Succession depth is thin but not absent.
Red flags
1 med ·12 director resignations in last 12 months
mediumMultiple recent departures can indicate governance disagreement, succession event, or preparation for sale/stress.
Evidence: RIDDY, Caroline Anne resigned 2025-09-25; BARUA, Chirantan resigned 2025-09-17; CHALMERS, William Leon David resigned 2025-09-17
Group structure
Scottish Widows Group Limited is the ultimate parent — holding 75%+ shares. This company sits inside their group.
🏛️ultimate parent
Scottish Widows Group Limited
Corporate parent · holds 75-100% shares · board control
⬇
SCOTTISH WIDOWS FINANCIAL SERVICES HOLDINGS
This company · SC199548
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 |
|---|---|---|---|---|
Scottish Widows Group 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.
🔒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 →Similar companies
Active · Professional services · EH postcode area| Company | Est. value | Turnover | Net worth | Staff | Age | Opp | Director |
|---|---|---|---|---|---|---|---|
| A F MACARTHUR CONSULTANCY LTD→ SC810187 · est 2024 · no financials extracted | — | — | — | — | 1y | — | — |
| ACCOUNTANCY SOFTWARE LIMITED→ SC699198 · est 2021 · no financials extracted | — | — | — | — | 4y | — | — |
| ACCOUNTANTS PL LTD→ SC552385 · est 2016 · no financials extracted | — | — | — | — | 9y | — | — |
| ACGT LIMITED→ SC827482 · est 2024 · no financials extracted | — | — | — | — | 1y | — | — |
| ACRECOAST LIMITED→ SC238234 · est 2002 · no financials extracted | — | — | — | — | 23y | — | — |
| ACTM HOLDINGS LIMITED→ SC555738 · est 2017 · no financials extracted | — | — | — | — | 9y | — | — |
| ADD ACCOUNTING SOLUTIONS LIMITED→ SC575625 · est 2017 · no financials extracted | — | — | — | — | 8y | — | — |
| ADVICEWORX LTD→ SC743338 · est 2022 · no financials extracted | — | — | — | — | 3y | — | — |
| AGP ELECTRICAL CONSULTANT LTD→ SC772339 · est 2023 · no financials extracted | — | — | — | — | 2y | — | — |
| AIKENGALL COMMUNITY WIND COMPANY (HOLDINGS) LIMITED→ SC333973 · est 2007 · no financials extracted | — | — | — | — | 18y | — | — |
| AILSA COOK CONSULTING LTD→ SC870172 · est 2025 · no financials extracted | — | — | — | — | — | — | — |
| AILURUS LTD→ SC748751 · est 2022 · no financials extracted | — | — | — | — | 3y | — | — |
Peers ranked by estimated value, then turnover, then opportunity score.See all →
🔒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
Typeprivate-unlimited
Incorporated1999-09-01
Jurisdictionscotland
Primary SIC70100 — Activities of head offices
Registered office
The Mound
Edinburgh
EH1 1YZ
United Kingdom
Filing status
Accounts
Next due: —
Last made up to: 2025-12-31
Confirmation statement
Next due: 2026-11-21
Last: 2025-11-07
Officers (3 active · 74 resigned)
MCKAY, Karen Joanne→
Activesecretary · appointed 2025-09-25
View their other companies + combined net worth →
BEZUIDENHOUT, Jacques Lodewickus→
Activedirector · ~51y · appointed 2025-09-17
View their other companies + combined net worth →
MESSENGER, Rachel Anne→
Activedirector · ~44y · appointed 2025-09-17
View their other companies + combined net worth →
HERD, Catriona Margaret→
Resignedsecretary · appointed 2013-07-26 · resigned 2014-04-23
JOLLY, Joanne Margaret→
Resignedsecretary · appointed 2014-04-23 · resigned 2024-03-28
MACLEAN, Jennifer Marion→
Resignedsecretary · appointed 2010-06-18 · resigned 2013-07-26
MITCHELL, Fiona→
Resignedsecretary · appointed 2009-07-01 · resigned 2010-06-18
NICHOLLS, Tracey Caroline→
Resignedsecretary · appointed 2002-07-29 · resigned 2009-07-01
PASSMORE, Nigel Howard→
Resignedsecretary · appointed 2000-03-03 · resigned 2000-08-08
RIDDY, Caroline Anne→
Resignedsecretary · appointed 2024-09-13 · resigned 2025-09-25
RODGERS, Helen Suzanne→
Resignedsecretary · appointed 1999-09-01 · resigned 2000-03-03
SHAH, Farhat→
Resignedsecretary · appointed 2004-10-18 · resigned 2005-06-29
TALBOT, Alison Janet, Ms.→
Resignedsecretary · appointed 2000-08-08 · resigned 2002-07-29
WILLIAMS, Jesujuwonlo→
Resignedsecretary · appointed 2024-03-29 · resigned 2024-09-12
COMBINED SECRETARIAL SERVICES LIMITED→
Resignedcorporate-nominee-secretary · appointed 1999-09-01 · resigned 1999-09-01
BARUA, Chirantan→
Resigneddirector · ~53y · appointed 2023-05-31 · resigned 2025-09-17
BLACKWELL, Lord (Norman Roy)→
Resigneddirector · ~74y · appointed 2013-07-26 · resigned 2014-06-23
BLANCE, Andrea Margaret→
Resigneddirector · ~62y · appointed 2015-07-17 · resigned 2020-08-14
BOND, Jonathon Roderick Alan→
Resigneddirector · ~63y · appointed 2019-07-24 · resigned 2021-05-14
BRIGGS, Andrew David→
Resigneddirector · ~60y · appointed 2007-04-02 · resigned 2010-03-31
Click a director name to see their full track record across all companies.
Recent filings (310 total)
accounts-with-accounts-type-full
accounts · AA
2026-04-01
confirmation-statement-with-no-updates
confirmation-statement · CS01
2025-11-07
appoint-person-director-company-with-name-date
officers · AP01
2025-09-26
termination-director-company-with-name-termination-date
officers · TM01
2025-09-26
appoint-person-secretary-company-with-name-date
officers · AP03
2025-09-26
appoint-person-director-company-with-name-date
officers · AP01
2025-09-26
termination-director-company-with-name-termination-date
officers · TM01
2025-09-25
termination-director-company-with-name-termination-date
officers · TM01
2025-09-25
termination-secretary-company-with-name-termination-date
officers · TM02
2025-09-25
termination-director-company-with-name-termination-date
officers · TM01
2025-09-25
termination-director-company-with-name-termination-date
officers · TM01
2025-09-25
termination-director-company-with-name-termination-date
officers · TM01
2025-09-25
termination-director-company-with-name-termination-date
officers · TM01
2025-09-25
termination-director-company-with-name-termination-date
officers · TM01
2025-09-25
termination-director-company-with-name-termination-date
officers · TM01
2025-09-25