UK Companies House feature
SCOTTISH WIDOWS SERVICES LIMITED
Profile
- Company number
- SC189975
- Status
- Active
- Incorporation
- 1998-09-29
- Last accounts made up
- 2024-12-31
- Account category
- FULL
- Primary SIC
- 66290
- Hubs
- UK Fintech
Accounts
Pending extraction
No iXBRL extracted yet for this company.
Audit & accounting basis
From AI-extracted PDF accounts
- Accounting basis
- IFRS
- Reporting scope
- Standalone (parent only)
- Auditor
- Deloitte LLP
- Audit opinion
- Unqualified (clean)
- Going concern
- Affirmed
“The going concern of the Company is dependent on successfully maintaining adequate levels of capital and liquidity. In order to satisfy themselves that the Company has adequate resources to continue to operate for the foreseeable future, the Directors have considered a number of key dependencies which are set out in the risk management section under principal risks and uncertainties. These include the liquidity and capital position in addition to considering projections (including stress testing) for the Company's capital and liquidity position. Having consulted on these, the Directors conclude that it is appropriate to continue to adopt the going concern basis in preparing the financial statements.”
Significant events
- “In July 2018, a decision was sought from the High Court in respect of the requirement to equalise the Guaranteed Minimum Pension ("GMP") benefits accrued between 1990 and 1997 from contracting out of the State Earnings Related Pension Scheme. In its judgement handed down on 26 October 2018 the High Court confirmed the requirement to treat men and women equally with respect to these benefits and a range of methods that the Trustee is entitled to adopt to achieve equalisation.”
- “In July 2024, the Court of Appeal handed down a judgment (Virgin Media Limited v NTL Pension Trustees Limited) which potentially has implications for the validity of amendments made by pension schemes that were contracted out on a salary-related basis between 6 April 1997 and the abolition of contracting-out in 2016.”
Auditor / going-concern / subsidiary information is extracted from the PDF version of the latest annual accounts and is not tagged in iXBRL. About these numbers
People
4 active · 41 resigned
| Name | Role | Appointed | Born | Nationality |
|---|---|---|---|---|
| MCKAY, Karen Joanne | Secretary | 2018-09-24 | — | — |
| FORDE, Tara | Director | 2025-11-20 | Oct 1986 | British |
| MACKECHNIE, Donald | Director | 2020-10-01 | Jan 1973 | British |
| MESSENGER, Rachel Anne | Director | 2022-12-31 | May 1982 | British |
Show 41 resigned officers
| Name | Role | Appointed | Resigned |
|---|---|---|---|
| CRANE, Louise Carol Mckenzie | Secretary | 2016-11-25 | 2018-09-24 |
| MACLEAN, Jennifer Marion | Secretary | 2010-06-18 | 2013-08-02 |
| MATTHEW, Heather Jane | Secretary | 2015-02-05 | 2016-11-25 |
| MITCHELL, Fiona | Secretary | 2009-07-01 | 2010-06-18 |
| NICHOLLS, Tracey Caroline | Secretary | 2002-07-29 | 2009-07-01 |
| PASSMORE, Nigel Howard | Secretary | 1998-09-29 | 2000-08-07 |
| PATON, Susan Walker | Secretary | 2013-08-02 | 2015-02-05 |
| SHAH, Farhat | Secretary | 2004-10-18 | 2005-06-29 |
| TALBOT, Alison Janet, Ms. | Secretary | 2000-08-07 | 2002-07-29 |
| BEAVEN, Richard Labassee | Director | 2012-11-07 | 2014-09-25 |
| BLACK, James Masson | Director | 2014-01-27 | 2016-06-29 |
| BRIGGS, Andrew David | Director | 2007-01-08 | 2009-06-29 |
| BRYDON, Jane Scott | Director | 2009-06-29 | 2010-05-07 |
| BUCKLEY, Dean Robert | Director | 2008-01-07 | 2009-06-29 |
| DUDLEY JNR, Orie Leslie | Director | 1999-07-01 | 2000-09-30 |
| EASTWOOD, Adrian Mark | Director | 2009-06-29 | 2010-09-30 |
| FLETCHER, Robert William | Director | 2013-08-02 | 2014-01-27 |
| FOLEY, Tara Maria Theresa | Director | 2015-09-25 | 2016-06-28 |
| FOLEY, Tara Maria Theresa | Director | 2014-01-27 | 2014-06-09 |
| GOMEZ-REINO, Juan | Director | 2016-06-28 | 2020-10-01 |
| GUTHRIE, Catherine Anne | Director | 2011-06-23 | 2013-03-05 |
| HUMPHREY, Nicola Audrey | Director | 2013-03-12 | 2015-09-14 |
| LOWTHER, Sean William | Director | 2016-06-28 | 2022-12-31 |
| LUSCOMBE, Kerr | Director | 2010-04-16 | 2010-04-16 |
| LUSCOMBE, Kerr | Director | 2010-04-06 | 2011-05-25 |
| MAIN, William Hill | Director | 1998-09-29 | 2003-11-30 |
| MCCONVILLE, James | Director | 2001-02-07 | 2010-03-31 |
| MOSS, Nathan Victor | Director | 2005-11-21 | 2007-01-08 |
| PARKER, Samantha | Director | 2010-07-01 | 2011-06-15 |
| PARSONS, Andrew Mark | Director | 2012-11-07 | 2017-05-31 |
| PENNEY, Paul Robert | Director | 2009-06-29 | 2012-08-31 |
| PHILLIPS, Christopher Martin | Director | 2003-12-01 | 2007-03-30 |
| ROSS, Michael David | Director | 1999-07-01 | 2002-05-24 |
| SCOTT, Newton | Director | 1999-07-01 | 2002-06-30 |
| STEWART, Gregor Ninian | Director | 2011-06-15 | 2012-10-05 |
| STODDARD, David Antony John | Director | 2010-09-30 | 2012-03-31 |
| STRAUSS, Toby Emil | Director | 2011-11-23 | 2012-10-11 |
| THOMPSON, Ian David | Director | 2001-02-07 | 2003-10-21 |
| THOMSON, Charles Grant | Director | 1998-09-29 | 2000-12-31 |
| TORKINGTON, Christian Roy | Director | 2005-08-01 | 2009-06-26 |
| WHATFORD, Ronald James | Director | 2003-10-21 | 2005-08-01 |
Ownership
Persons with significant control
| Name | Kind | Nature of control | Notified | Status |
|---|---|---|---|---|
| Lloyds Bank Plc | Corporate entity | Shares 75–100%, Voting 75–100%, Appoints directors | 2018-05-02 | Active |
| Scottish Widows Limited | Corporate entity | Shares 75–100%, Voting 75–100%, Appoints directors | 2016-04-06 | Ceased 2018-05-02 |
Filing timeline
Last 20 of 188 total filings
| Date | Type | Category | Description |
|---|---|---|---|
| 2025-12-10 | CH01 | officers | change person director company with change date |
| 2025-12-01 | AP01 | officers | appoint person director company with name date |
| 2025-11-07 | CS01 | confirmation-statement | confirmation statement with no updates |
| 2025-10-01 | AA | accounts | accounts with accounts type full |
| 2025-03-05 | CS01 | confirmation-statement | confirmation statement with no updates |
| 2024-12-05 | CH03 | officers | change person secretary company with change date |
| 2024-12-02 | AD01 | address | change registered office address company with date old address new address |
| 2024-10-01 | AA | accounts | accounts with accounts type full |
| 2024-02-26 | CS01 | confirmation-statement | confirmation statement with no updates |
| 2023-09-19 | AA | accounts | accounts with accounts type full |
| 2023-04-26 | CS01 | confirmation-statement | confirmation statement with no updates |
| 2023-01-11 | AA | accounts | accounts with accounts type full |
| 2023-01-10 | AP01 | officers | appoint person director company with name date |
| 2023-01-10 | TM01 | officers | termination director company with name termination date |
| 2022-04-25 | CS01 | confirmation-statement | confirmation statement with no updates |
| 2021-08-04 | AA | accounts | accounts with accounts type full |
| 2021-05-11 | CS01 | confirmation-statement | confirmation statement with no updates |
| 2020-10-07 | AA | accounts | accounts with accounts type full |
| 2020-10-01 | TM01 | officers | termination director company with name termination date |
| 2020-10-01 | AP01 | officers | appoint person director company with name date |
Credit score
Altman Z″ — composite of working capital, retained earnings, EBIT, and leverage
Credit score requires extracted accounts data.
Activity Score
Composite activity score · components 0–100 · reference 2026-05-10
28.3
COLD
/ 100
- Filings velocity 33
- Capital events 0
- Officer churn 25
- Headcount trajectory 50
- Accounts trajectory 50
- 4 filing(s) in last 12 months
- 1 appointed, 0 resigned (12mo)