PENSIONS MANAGEMENT (S.W.F.) LIMITED Credit Check Report

Company Overview

Pensions Management (S.W.F.) Limited is listed at the official companies registry as Active Private Limited By Guarantee Without Share Capital. The company was incorporated on Tuesday 09 January 1968, so this is a well established company. Pensions Management (S.W.F.) Limited has been in business for 58 years and 2 months. The accounts status is dormant and the accounts are next due on Wednesday 30 September 2026.

Registered Address

The Mound, Edinburgh, EH1 1YZ

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Companies House Data

Company Name	PENSIONS MANAGEMENT (S.W.F.) LIMITED
Company Number	SC045361
Registered Office Address	The Mound
	EH1 1YZ
Company Category	Private Limited By Guarantee Without Share Capital
Company Status	Active
Country of Origin	United Kingdom
Incorporation Date	09/01/1968
Accounting Reference Date Day	31
Accounting Reference Date Month	12
Accounts Next Due Date	30/09/2026
Accounts Last Made Up Date	31/12/2024
Accounts Account Category	DORMANT
Returns Next Due Date	29/05/2017
Returns Last Made Up Date	01/05/2016

Directors & Members

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	Colin Black - Director (British, 96 years old, born February 1930)	Resigned
	James Black - Director (British, 62 years old, born July 1964) Appointed 23 March 2015, Resigned 29 July 2016	Resigned
	James Boyd - Director (British, 98 years old, born September 1928)	Resigned
	Dean Buckley - Director (British, 66 years old, born June 1960) Appointed 07 January 2008, Resigned 31 March 2014	Resigned
	Robert Buist - Director (British, 100 years old, born April 1926)	Resigned
	Jeremy Butcher - Director (British, 49 years old, born March 1977) Appointed 01 September 2023	Active
	Trevor Couper - Director (British, 69 years old, born October 1957) Appointed 01 October 1996, Resigned 04 September 1998	Resigned
	Graeme Dalziel - Director (British, 70 years old, born November 1956) Appointed 01 October 1996, Resigned 24 July 1998	Resigned
	Orie Dudley Jnr - Director (American, 82 years old, born November 1944) Appointed 31 January 1998, Resigned 04 September 1998	Resigned
	Adrian Eastwood - Director (British, 65 years old, born November 1961) Appointed 01 October 1996, Resigned 30 September 2010	Resigned
	John Elder - Director (British, 90 years old, born July 1936)	Resigned
	Andrew Frepp - Director (British, 63 years old, born November 1963) Appointed 22 January 2004, Resigned 31 May 2007	Resigned
	Gavin Gemmell - Director (British, 85 years old, born September 1941) Appointed 02 May 1995, Resigned 01 October 1996	Resigned
	George Graham - Director (British, 87 years old, born October 1939) Appointed 09 June 1992, Resigned 01 October 1996	Resigned
	David Graham - Director (British, 79 years old, born April 1947) Appointed 01 October 1996, Resigned 04 September 1998	Resigned
	James Hillman - Director (British, 57 years old, born May 1969) Appointed 29 June 2015, Resigned 31 August 2023	Resigned
	Richard Jones - Director (British, 54 years old, born July 1972) Appointed 01 April 2014, Resigned 29 June 2015	Resigned
	Alistair Low - Director (British, 84 years old, born August 1942)	Resigned
	Sean Lowther - Director (British, 66 years old, born June 1960) Appointed 09 December 2016, Resigned 31 December 2022	Resigned
	Kerr Luscombe - Director (British, 61 years old, born April 1965) Appointed 06 April 2010, Resigned 25 May 2011	Resigned
	William Main - Director (Scottish, 83 years old, born November 1943) Appointed 31 January 1998, Resigned 01 August 2002	Resigned
	Simon Massey - Director (British, 62 years old, born February 1964) Appointed 10 December 2012, Resigned 01 April 2014	Resigned
	James McConville - Director (British, 70 years old, born July 1956) Appointed 31 July 2002, Resigned 22 January 2004	Resigned
	James McConville - Director (British, 70 years old, born July 1956) Appointed 15 July 2009, Resigned 31 March 2010	Resigned
	Stephen McGee - Director (British, 53 years old, born October 1973) Appointed 29 February 2012, Resigned 09 December 2014	Resigned
	Richard McIntyre - Director (British, 60 years old, born September 1966) Appointed 09 December 2016, Resigned 31 August 2023	Resigned
	Allan McKenzie - Director (British, 79 years old, born July 1947) Appointed 01 October 1996, Resigned 04 September 1998	Resigned
	Andrew November - Director (British, 63 years old, born December 1963) Appointed 19 July 2007, Resigned 31 March 2014	Resigned
	Andrew Parsons - Director (British, 61 years old, born January 1965) Appointed 09 November 2012, Resigned 09 December 2016	Resigned

Secretaries

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	Alexandra Fletcher - Secretary (British) Appointed 21 August 2000, Resigned 07 June 2002	Resigned
	Thomas Houston - Secretary (British) Appointed 01 June 1995, Resigned 23 February 1998	Resigned
	Jennifer McFarlane - Secretary (British) Appointed 08 May 1998, Resigned 04 September 1998	Resigned
	Karen McKay - Secretary Appointed 23 November 2018	Active
	Tracey Nicholls - Secretary (British) Appointed 26 August 2002, Resigned 16 January 2012	Resigned
	Nigel Passmore - Secretary (British) Appointed 04 September 1998, Resigned 21 August 2000	Resigned

Other Company Directorships

Jeremy Butcher
HALIFAX LIFE LIMITED
SCOTTISH WIDOWS UNIT FUNDS LIMITED
ST ANDREW'S LIFE ASSURANCE PLC
SW FUNDING PLC

Balance Sheet

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Common Size Financial Analysis

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Secured Creditors

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Public Record Information

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Exact Court Judgements

Period of Months	Last 12m	13-24m	25-36m	37-48m	49-60m	61-72m
Number of Exact CCJS	X	Y	Y	X	X	Y
Value of Exact CCJS	YXY	YK	S	S	X	KX

Supplier Credit Limits

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Date	Sector	Notified	Amount	Terms
XK-SXY	XKXYXK	SXSKXYXK	£X,000	XS XYSKS
SK-SYY	SKXYXKYKKY	KSXX KKXXYXS	£YY,000	YS XYSKS SK YXXSXS
YK-SXY	XKXYXYYK	SXSXYXK	£SX,000	XS XYSKS

Payment Records

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Payment Records from it's suppliers' company ledger show how a company is paying its suppliers

Payment Analysis

Total Invoices	Paid Before 30 days due	Paid After 30 days due	Owing Before 30 days due	Owing after 30 days due
XYX	SX	K	YX	X

Company Valuation Analysis

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Going Concern Valuation

The going concern valuations value the company on the basis that it continues to trade without the threat of liquidation for the foreseeable future. These valuations are primarily profit and cashflow based.

Valuations		Valuation Measures
Estimated High Value	£XSI,000	Retained Profit	£YX,000
Estimated Mid Value	£YY,000	EBIT	£SY,000
Estimated Low Value	£X,000	EBITDA	£SSX,000

Liquidation Valuation

The liquidaton valuation values the company as if it were to cease trading and assets were subject to rapid disposal to cover liabilities. This valuation is primarily asset based.

Valuations		Valuation Measures
Estimated High Value	£XY,000	Total Assets	£XIX,000
Estimated Mid Value	£Y,000	Net Assets	£YX,000
Estimated Low Value	£S,000	Tangible Equity	£SX,000
The above valuations are based on our own algorithms and take no account of many factors that can influence actual valuations realized and should not therefore be assumed to be accurate.

Credit Status Checklist

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Business Growth	Please purchase a report to see true comments
EBITDA	Purchase a report to see true comments
Dividends	Please purchase a report to see true comments about this company
Retained Profits	Retained Profits for this company
Debt Interest	Debt Interest for this company
Cash Flow	Cash Flow for this company
CCJs	CCJs for this company
Age of Company	Age of Company for this company
Solvency	Solvency for this company
Secured Creditors	Secured Creditors for this company
Ownership	Ownership for this company

First Report Score: (0-10)

Financial Status Guide:

10			Very Strong
9			Strong
8			Very Good
7			Good
6			Above Average
5			Average
4			Below Average
3			Poor
2			Weak
1			Very Weak
0			Critical

Risk Score Trend

Risk Rating

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This is the credit risk assessment used by one of the top UK credit reference agencies.

Risk Score (1-100)	X
Risk Band Description	XXMXMXMX SISX
Risk Assessment	Meeting of Creditors
Credit Rating	XSKX

Altman Z Score Credit Risk Rating

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There have been many bankruptcy predictors developed, however none has been so thoroughly tested and broadly accepted as the Altman Z-Score.

Z Score	X
Risk Band	XY
Risk Band Description	The Z Score is not used for small companies where full accounts are not filed because profit and loss account items are required to calculate the score.

Z Score Bands

1	Low Risk	3.00 and above
2	Caution	2.63 - 2.99
3	Risk of Failure within 2 years	1.24 - 2.62
4	High Probability Failure	Below 1.24

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	WEST CRAIGS LIMITED THE MOUND, EDINBURGH, EH1 1YZ
	HBOS FINAL SALARY TRUST LIMITED Atria One, 144 Morrison Street, Edinburgh, EH1 1YZ
	HBOS UK LIMITED THE MOUND, EDINBURGH, EH1 1YZ
	PRESTONFIELD INVESTMENTS LIMITED THE MOUND, EDINBURGH, EH1 1YZ
	UBERIOR INVESTMENTS LIMITED THE MOUND, EDINBURGH, EH1 1YZ
	BANK OF SCOTLAND BRANCH NOMINEES LIMITED THE MOUND, EDINBURGH, EH1 1YZ
	BANK OF SCOTLAND PLC THE MOUND, EDINBURGH, EH1 1YZ
	BRITISH LINEN SHIPPING LIMITED THE MOUND, EDINBURGH, EH1 1YZ
	BANK OF SCOTLAND FOUNDATION THE MOUND, EDINBURGH, EH1 1YZ

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