Company Overview
Scottish Widows Services Limited is listed at the official companies registry as Active Private Limited Company. The company was incorporated on Tuesday 29 September 1998, so this is a well established company. Scottish Widows Services Limited has been in business for 27 years and 6 months. The accounts status is full 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 NameSCOTTISH WIDOWS SERVICES LIMITED
Company NumberSC189975
Registered Office AddressThe Mound
 EH1 1YZ
Company CategoryPrivate Limited Company
Company StatusActive
Country of OriginUnited Kingdom
Incorporation Date29/09/1998
Accounting Reference Date Day31
Accounting Reference Date Month12
Accounts Next Due Date30/09/2026
Accounts Last Made Up Date31/12/2024
Accounts Account CategoryFULL
Returns Next Due Date29/05/2017
Returns Last Made Up Date01/05/2016
Directors & Members
Show Resigned
Tara Forde - Director
(British, 40 years old, born October 1986)
Appointed 20 November 2025
 Active
Donald MacKechnie - Director
(British, 53 years old, born January 1973)
Appointed 01 October 2020
 Active
Rachel Messenger - Director
(British, 44 years old, born May 1982)
Appointed 31 December 2022
 Active
Secretaries
Show Resigned
Karen McKay - Secretary
Appointed 24 September 2018
 Active
Other Company Directorships
Tara Forde
No companies found
Donald MacKechnie
BANK OF SCOTLAND FOUNDATION
BLACK HORSE LIMITED
EBS PENSIONS LIMITED
EMBARK GROUP LIMITED
EMBARK INVESTMENT SERVICES LIMITED
EMBARK SERVICES LIMITED
HALIFAX SHARE DEALING LIMITED
SCOTTISH WIDOWS ADMINISTRATION SERVICES (NOMINEES) LIMITED
SCOTTISH WIDOWS ADMINISTRATION SERVICES LIMITED
SCOTTISH WIDOWS SCHRODER WEALTH HOLDINGS LIMITED
STERLING ISA MANAGERS LIMITED
Rachel Messenger
AVALON INVESTMENT SERVICES (NOMINEES) LIMITED
CAVENDISH ONLINE LIMITED
CHARTERHALL NOMINEES LIMITED
CLERICAL MEDICAL FINANCE LIMITED
CLERICAL MEDICAL INVESTMENT FUND MANAGERS LIMITED
EMBARK CORPORATE SERVICES LIMITED
EMBARK INVESTMENT SERVICES NOMINEES LIMITED
HALIFAX FINANCIAL BROKERS LIMITED
HALIFAX FINANCIAL SERVICES (HOLDINGS) LIMITED
HALIFAX FINANCIAL SERVICES LIMITED
HALIFAX GENERAL INSURANCE SERVICES LIMITED
HBOS FINANCIAL SERVICES LIMITED
LEGACY RENEWAL COMPANY LIMITED
LLOYDS BANK GENERAL INSURANCE HOLDINGS LIMITED
LLOYDS BANK INSURANCE SERVICES LIMITED
SCOTTISH WIDOWS ADMINISTRATION SERVICES (NOMINEES) LIMITED
SCOTTISH WIDOWS ADMINISTRATION SERVICES LIMITED
SCOTTISH WIDOWS AUTO ENROLMENT SERVICES LIMITED
SCOTTISH WIDOWS FINANCIAL SERVICES HOLDINGS
ST ANDREW'S GROUP LIMITED
ST ANDREW'S LIFE ASSURANCE LIMITED
STERLING ISA MANAGERS (NOMINEES) LIMITED
SW FUNDING PLC
THE ADVISER CENTRE LIMITED
Balance Sheet Unlock full report
Accounts Date 31-Dec-2024 31-Dec-2011 31-Dec-2010
Balance Sheet
Fixed Assets 285,491,000 285,491,000 220,194,000
Current Assets 173,017,000 173,017,000 241,768,000
Creditors Due Within One Year 338,793,000 338,793,000 361,814,000
Working Cap -165,776,000 -165,776,000 -120,046,000
Total Assets Less Current Liabilities 119,715,000 119,715,000 100,148,000
Long-term Liabilities 26,580,000 26,580,000 30,705,000
Net Assets 93,135,000 93,135,000 69,443,000
Share Capital & Reserves
Share Cap 81,000,000 81,000,000 81,000,000
Profit & Loss Reserves 12,135,000 12,135,000 -11,557,000
Other Reserves 0 0 0
Shareholders Funds 93,135,000 93,135,000 69,443,000
Common Size Financial Analysis Unlock full report
Accounts Date 31-Dec-2024 31-Dec-2011 31-Dec-2010
Tangible Fixed Assets - - -
Fixed Assets 62.3% 62.3% 47.7%
Stocks Inventory 0.0% 0.0% 0.0%
Debtors 20.5% 20.5% 22.8%
Cash Bank In Hand 11.5% 11.5% 29.6%
Current Assets 37.7% 37.7% 52.3%
Creditors Due Within One Year 73.9% 73.9% 78.3%
Net Current Assets Liabilities -36.2% -36.2% -26.0%
Creditors Due After One Year 5.8% 5.8% 0.0%
Accruals Deferred Income - - -
Provisions For Liabilities Charges - - -
Net Assets Liabilities Including Pension Asset Liability 20.3% 20.3% 15.0%
Called Up Share Capital 17.7% 17.7% 17.5%
Share Capital Allotted Called Up Paid 17.7% 17.7% 17.5%
Profit Loss Account Reserve 2.6% 2.6% -2.5%
Shareholder Funds 20.3% 20.3% 15.0%
Capital Employed - - -
Total Assets Less Current Liabilities 26.1% 26.1% 21.7%
Financial Ratio Analysis Unlock full report
Accounts Date 31-Dec-2024 31-Dec-2011 31-Dec-2010
Liquidity Ratio 0.5 0.5 0.7
Solvency Ratio 1.3 1.3 1.2
Reserves to Assets 0.0 0.0 0.0
Secured Creditors Unlock full report
Mortgages Charges 0
Mortgages Outstanding 0
Mortgages Part Satisfied 0
Mortgages Satisfied 0
Assets and Debt Analysis Unlock full report
Accounts Date 31-Dec-2024 31-Dec-2011 31-Dec-2010
Assets 458,508,000 458,508,000 461,962,000
Debt 365,373,000 365,373,000 392,519,000
Net Assets/Debt 93,135,000 93,135,000 69,443,000

The following is based on the accounts data presented in this report sourced from Companies House, however the company has filed later accounts. Our analysis of the latest account can be viewed by unlocking our full report.

Current debt exceeded short term liquid assets as at the balance sheet date. We would normally view this in the context of other profitability and solvency indicators. Total reserves including retained profitability and movement in reserves appeared positive. We would normally view a company positively for this. The balance sheet indicates the net assets of a good sized company. The amount of net assets suggests sufficient cover for total debts and obligations for the size of the company inferred by the balance sheet.

Unlock full report  The following is based on the accounts data presented in this report sourced from Companies House, however the company has filed later accounts. Our analysis of the latest account can be viewed by unlocking our full report.Current debt exceeded short term liquid assets as at the balance sheet date. We would normally view this in the context of other profitability and solvency indicators. Total reserves including retained profitability and movement in reserves appeared positive. We would normally view a company positively for this. The balance sheet indicates the net assets of a good sized company. The amount of net assets suggests sufficient cover for total debts and obligations for the size of the company inferred by the balance sheet.   The following is based on the accounts data presented in this report sourced from Companies House, however the company has filed later accounts. Our analysis of the latest account can be viewed by unlocking our full report.Current debt exceeded short term liquid assets as at the balance sheet date. We would normally view this in the context of other profitability and solvency indicators. Total reserves including retained profitability and movement in reserves appeared positive. We would normally view a company positively for this. The balance sheet indicates the net assets of a good sized company. The amount of net assets suggests sufficient cover for total debts and obligations for the size of the company inferred by the balance sheet.

This review of public record balance sheet and company status information is presented under the terms of Open Government Licence and is for informational purposes only, is general in nature, and is not intended as an opinion or advice for any specific circumstances. The commentary and the colour band score is not a credit rating or credit risk assessment.

This review does not constitute a full credit rating or credit risk assessment based on the full analysis and credit score algorithms used in our credit reports. A full credit report may also provide information relating to trade payment history and county court or court judgments if any.

Public Record Information Unlock full report
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 Unlock full report
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 Unlock full report
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 Unlock full report

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 Unlock full report
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) X
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 Unlock full report

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 Unlock full report

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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Document Filings
Director's details changed for Ms Tara Freeman on 20 November 2025
Appointment of Ms Tara Freeman as a director on 20 November 2025
Confirmation statement made on 7 November 2025 with no updates
Confirmation statement made on 5 March 2025 with no updates
Secretary's details changed for Mrs Karen Joanne Mckay on 2 December 2024
Registered office address changed from 69 Morrison Street Edinburgh EH3 8YF to The Mound Edinburgh EH1 1YZ on 2 December 2024
Confirmation statement made on 26 February 2024 with no updates
Confirmation statement made on 26 April 2023 with no updates
Appointment of Mrs Rachel Anne Messenger as a director on 31 December 2022
Termination of appointment of Sean William Lowther as a director on 31 December 2022
Confirmation statement made on 17 April 2022 with no updates
Confirmation statement made on 17 April 2021 with no updates
Termination of appointment of Juan Gomez-Reino as a director on 1 October 2020
Appointment of Mr Donald Mackechnie as a director on 1 October 2020
Confirmation statement made on 17 April 2020 with no updates
Director's details changed for Mr Sean William Lowther on 17 January 2020
Confirmation statement made on 1 May 2019 with updates
Appointment of Mrs Karen Joanne Mckay as a secretary on 24 September 2018
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