MONEY WISE (SCOTLAND) LIFE PENSIONS & INVESTMENTS LIMITED

⚰️Wound downdissolved
SC266232 · ltd · incorporated 2004-04-08
Investment thesis
Company dissolved — not a live target.
Why interesting: Historical record only; useful for precedent research.
Why risky: Not transactable.
Opportunity decay
approaching window · 12-months
Approaching a transaction window — refinance or sale event plausible in the next 12 months.
  • · Oldest live charge 21.2y old — refinance window within 12 months
🔒Estimated value
—
Upgrade to see
Turnover
—
not disclosed
Net worth
—
book net assets
Opportunity
64/100
Worth a look
🔔
Follow this company (free)
Email alerts on filings, charges, director changes, gazette notices. No account needed.

Unsubscribe any time from any email. GDPR-respectful.

🔒Generate AI memo →🔒Outreach pack →🔒Corporate story →📑 Reports →Sign in to watch
What this business does
Primary activity: SIC 6601
Sector: Financial & insurance
ALSO REGISTERED FOR
  • 6602SIC 6602
Investor take
Pass (distressed without resilience)
Distressed unclear — structural issues outweigh the discount.

Opportunity 64/100 (worth a look), bankability 75/100. Strong seller-intent signal (78/100, director aged 77). Share purchase looks the cleaner deal structure. Biggest value-creation lever: Resolve: Company dissolved. Company has been dissolved — it no longer legally exists. Any diligence here is historical only. Most likely exit: strategic trade sale (73/100).

🏦

Refinance opportunity

2 live charges · oldest 21.2y

65/100
clean up first

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

  • · Oldest live charge is 21.2 years old — likely at or near maturity.
  • · Single lender — cleanest path to refinance.
  • · Legal-friction score 25/100 — workable, but lender will want more DD.

Data confidence

Overall: low (49/100)

Sparse data coverage. Treat AI-generated outputs as preliminary. Manual diligence essential.

Company profile
address, 2 SIC codes, incorporation date
100
Financials
No iXBRL financials extracted
0
Lenders & charges
2 charges (2/2 with lender, 2/2 with type)
90
Directors & officers
11 officers (3 active, 11 linked, 8 with DOB)
85
Ownership & PSC
No PSCs filed (unusual — worth investigating)
35
Director network
2 connected companies via shared directors
51
Filing history
46 filings on record
85
Gazette notices
No matching gazette notices (standard for active companies)
60
Opportunity Score
64/100Worth a look
PassWatchWorth a lookStrongExceptional 

Mixed signal. Worth opening the full target workup before deciding to pursue.

Business quality
30
Concerning — overdue filings or status flags present.
Acquirability
80
Strong succession / seller-readiness signals.
Risk profile
67
Some moderate concerns — review flags.
Signal strength
100
Good data coverage for analysis.

Recent activity

Last 30 days
0
filings
Last 90 days
0
filings
Last 180 days
0
filings
Counts from Companies House filing history.
Corporate timeline (49 events)Click to expand
  1. 2011-11-11
    📄
    gazette-dissolved-voluntary
    gazette · GAZ2(A)
  2. 2011-11-11
    🏁
    Company dissolved
  3. 2011-07-22
    📄
    gazette-notice-voluntary
    gazette · GAZ1(A)
  4. 2011-07-11
    📄
    dissolution-application-strike-off-company
    dissolution · DS01
  5. 2011-05-24
    📄
    accounts-with-accounts-type-total-exemption-small
    accounts · AA
  6. 2011-04-15
    📄
    annual-return-company-with-made-up-date-full-list-shareholders
    annual-return · AR01
  7. 2011-04-15
    📄
    change-corporate-secretary-company-with-change-date
    officers · CH04
  8. 2011-04-15
    📄
    change-person-director-company-with-change-date
    officers · CH01
  9. 2011-04-15
    📄
    change-person-director-company-with-change-date
    officers · CH01
  10. 2011-04-15
    📄
    termination-secretary-company-with-name
    officers · TM02
  11. 2011-04-15
    📄
    appoint-corporate-secretary-company-with-name
    officers · AP04
  12. 2010-05-19
    📄
    accounts-with-accounts-type-total-exemption-small
    accounts · AA
  13. 2010-04-23
    📄
    annual-return-company-with-made-up-date-full-list-shareholders
    annual-return · AR01
  14. 2009-11-25
    📄
    annual-return-company-with-made-up-date-full-list-shareholders
    annual-return · AR01
  15. 2009-07-09
    📄
    legacy
    officers · 288b
  16. 2009-07-09
    📄
    legacy
    officers · 288b
  17. 2009-07-09
    📄
    legacy
    officers · 288b
  18. 2009-07-01
    📄
    accounts-with-accounts-type-total-exemption-small
    accounts · AA
  19. 2009-06-29
    ➖
    CRAIG, John resigned
    director
  20. 2009-06-29
    ➖
    LAW, Bruce resigned
    director
  21. 2009-06-29
    ➖
    NICOL, Graham resigned
    director
  22. 2008-05-12
    📄
    legacy
    annual-return · 363s
  23. 2008-04-10
    📄
    accounts-with-accounts-type-total-exemption-small
    accounts · AA
  24. 2007-12-18
    📄
    legacy
    officers · 288b
  25. 2007-12-18
    📄
    legacy
    officers · 288a
  26. 2007-11-30
    ➕
    MACLAY MURRAY & SPENS LLP appointed
    corporate-secretary
  27. 2007-11-30
    ➖
    IAIN SMITH & COMPANY resigned
    corporate-nominee-secretary
  28. 2007-11-30
    ➕
    SC266232 appointed
    corporate-secretary
  29. 2007-11-30
    ➖
    SC266232 resigned
    corporate-secretary
  30. 2007-06-29
    📄
    accounts-with-accounts-type-total-exemption-small
    accounts · AA
  31. 2007-04-23
    📄
    legacy
    annual-return · 363s
  32. 2006-06-06
    📄
    legacy
    annual-return · 363s
  33. 2006-06-06
    📄
    legacy
    annual-return · 363(288)
  34. 2006-02-15
    🔓
    Charge satisfied #1
  35. 2005-05-20
    🔒
    Charge registered #2
    Lender: The Royal Bank of Scotland PLC
  36. 2005-03-01
    ➕
    MORRISON, Alfred Cruikshank appointed
    director
  37. 2005-03-01
    ➕
    CRAIG, John appointed
    director
  38. 2005-03-01
    ➕
    LAW, Bruce appointed
    director
  39. 2005-03-01
    ➕
    NICOL, Graham appointed
    director
  40. 2005-02-07
    🔒
    Charge registered #1
    Lender: The Royal Bank of Scotland PLC
  41. 2004-10-19
    ➖
    CRAIG, John resigned
    director
  42. 2004-10-19
    ➖
    LAW, Bruce resigned
    director
  43. 2004-10-19
    ➖
    NICOL, Graham resigned
    director
  44. 2004-06-01
    ➕
    CRAIG, John appointed
    director
  45. 2004-06-01
    ➕
    LAW, Bruce appointed
    director
  46. 2004-06-01
    ➕
    NICOL, Graham appointed
    director
  47. 2004-04-08
    🏢
    Company incorporated
    As MONEY WISE (SCOTLAND) LIFE PENSIONS & INVESTMENTS LIMITED
  48. 2004-04-08
    ➕
    MCVEAN, John Barron appointed
    director
  49. 2004-04-08
    ➕
    IAIN SMITH & COMPANY appointed
    corporate-nominee-secretary

Owner dependency

83/100
Critical — business is the founder

The business appears inseparable from the founder. Acquisition without a serious earn-out or meaningful transition period would likely destroy value.

FACTORS
  • +Two-director setup: Only two active directors — typical of owner-managed SMEs but limits succession.
  • +Long-tenure founder: Senior director has been in place 22 years — deep operational knowledge concentrated in one person.
  • +Founder age: Director aged approximately 77 — succession pressure is live.

Succession & seller-readiness

96/100
Likely off-market candidate

Strong acquirability signals converging. Worth approaching directly — this is how off-market deals start.

SIGNALS
  • primaryFounder aged 70+: Senior director is approximately 77 years old. Natural succession window is now.
  • secondaryTwo-director governance: Small-team governance. Succession depth is thin but not absent.
  • primary20+ year tenure: Director in role 22 years. Very long tenure is a classic succession signal.
  • secondaryStable-but-static management: Company is 22 years old and no new directors in the last 3 years — succession not yet being planned internally.
  • supportingClean filings + long tenure: Disciplined long-tenure operator — classic lifestyle-business pattern that often sells quietly.

Red flags

1 high ·
Company dissolved
high

Company has been dissolved — it no longer legally exists. Any diligence here is historical only.

Evidence: Dissolved on 2011-11-11

🔒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 · Financial services · AB postcode area
CompanyEst. valueTurnoverNet worthStaffAgeOppDirector
ADAM SINCLAIR & ASSOCIATES WEALTH MANAGEMENT LTD→
SC696858 · est 2021 · no financials extracted
————4y——
BAKER HUGHES UK PENSION TRUSTEES LIMITED→
SC073307 · est 1980 · no financials extracted
————45y——
CLD INVESTMENT GROUP LTD→
SC823588 · est 2024 · no financials extracted
————1y——
CRAIGENDARROCH INVESTMENTS LIMITED→
SC337515 · est 2008 · no financials extracted
————18y——
D DUFF (ABERDEEN) LIMITED→
SC342342 · est 2008 · no financials extracted
————17y——
DAVID BIRKMYRE LIMITED→
SC163367 · est 1996 · no financials extracted
————30y——
DAVID BUTLER FS LIMITED→
SC559622 · est 2017 · no financials extracted
————9y——
EDWARD WILSON FINANCIAL LTD→
SC495979 · est 2015 · no financials extracted
————11y——
ELLON FINANCIAL SERVICES LTD→
SC355449 · est 2009 · no financials extracted
————17y——
ELLORA FINANCIALS LTD→
SC862626 · est 2025 · no financials extracted
———————
ENDOWMENT TRUST OF R.C. DIOCESE OF ABERDEEN, THE→
SC092692 · est 1985 · no financials extracted
————41y——
FERGUSON LAW FINANCIAL SERVICES LTD→
SC418885 · est 2012 · no financials extracted
————14y——
Peers ranked by estimated value, then turnover, then opportunity score.See all →
🔒Tailored diligence questions

8 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

Statusdissolved
Typeltd
Incorporated2004-04-08
Jurisdictionscotland
Primary SIC6601 — SIC 6601

Registered office

21 West Church Street
Buckie
Aberdeenshire
AB56 1BN

Filing status

Accounts
Next due: —
Last made up to: 2010-08-31
Confirmation statement
Next due: —
Last: —

Officers (0 active · 8 resigned)

MACLAY MURRAY & SPENS LLP→
corporate-secretary · appointed 2007-11-30
View their other companies + combined net worth →
Active
MCVEAN, John Barron→
director · ~77y · appointed 2004-04-08
View their other companies + combined net worth →
Active
MORRISON, Alfred Cruikshank→
director · ~61y · appointed 2005-03-01
View their other companies + combined net worth →
Active
IAIN SMITH & COMPANY→
corporate-nominee-secretary · appointed 2004-04-08 · resigned 2007-11-30
Resigned
SC266232→
corporate-secretary · appointed 2007-11-30 · resigned 2007-11-30
Resigned
CRAIG, John→
director · ~78y · appointed 2005-03-01 · resigned 2009-06-29
Resigned
CRAIG, John→
director · ~78y · appointed 2004-06-01 · resigned 2004-10-19
Resigned
LAW, Bruce→
director · ~59y · appointed 2005-03-01 · resigned 2009-06-29
Resigned
LAW, Bruce→
director · ~59y · appointed 2004-06-01 · resigned 2004-10-19
Resigned
NICOL, Graham→
director · ~65y · appointed 2005-03-01 · resigned 2009-06-29
Resigned
NICOL, Graham→
director · ~65y · appointed 2004-06-01 · resigned 2004-10-19
Resigned

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

Mortgages & charges

2
Total charges
1
Outstanding
1
Active lenders
Status:Lender:2 of 2 shown
TypeProperties
outstanding
Lloyds Banking Group
The Royal Bank of Scotland PLC
Bond & floating charge1 property20/05/2005—
satisfied
Lloyds Banking Group
The Royal Bank of Scotland PLC
Bond & floating charge1 property07/02/200515/02/2006
Click column headers to sort. Use filters above to narrow by status and lender.

Recent filings (46 total)

gazette-dissolved-voluntary
gazette · GAZ2(A)
2011-11-11
gazette-notice-voluntary
gazette · GAZ1(A)
2011-07-22
dissolution-application-strike-off-company
dissolution · DS01
2011-07-11
accounts-with-accounts-type-total-exemption-small
accounts · AA
2011-05-24
annual-return-company-with-made-up-date-full-list-shareholders
annual-return · AR01
2011-04-15
change-corporate-secretary-company-with-change-date
officers · CH04
2011-04-15
change-person-director-company-with-change-date
officers · CH01
2011-04-15
change-person-director-company-with-change-date
officers · CH01
2011-04-15
termination-secretary-company-with-name
officers · TM02
2011-04-15
appoint-corporate-secretary-company-with-name
officers · AP04
2011-04-15
accounts-with-accounts-type-total-exemption-small
accounts · AA
2010-05-19
annual-return-company-with-made-up-date-full-list-shareholders
annual-return · AR01
2010-04-23
annual-return-company-with-made-up-date-full-list-shareholders
annual-return · AR01
2009-11-25
legacy
officers · 288b
2009-07-09
legacy
officers · 288b
2009-07-09