SCOTTISH WIDOWS FINANCIAL SERVICES HOLDINGS

Accounts Submitted

Confirmation Statement Submitted 7 Nov 2025

Net assets £173.54M £19.15M 2024 year on year

Total assets £173.66M £19.10M 2024 year on year

Total Liabilities £114.00K £44.00K 2024 year on year

Charges None No charges registered

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Contact & Details

Contact

Update Details

Registered Address

The Mound Edinburgh EH1 1YZ United Kingdom

Credit Report

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Mutual Companies

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Financials

Period 1 Jan → 31 Dec 2024

Type Total Exemption Full

Next accounts 31 December 2025

Due by 30 September 2026 9 months

Net Assets, Total Assets & Total Liabilities (2014–2024)

Cash in Bank

£5.75M

Increased by £1.22M (+27%)

Net Assets

£173.54M

Decreased by £19.15M (-10%)

Total Liabilities

£114.00k

Increased by £44.00k (+63%)

Turnover

£72.22M

Increased by £21.93M (+44%)

Employees

N/A

Debt Ratio

N/A

Financial History

Revenue, profit, EBITDA and key financial figures

	2024 Dec Year End	2023 Dec Year End
P&L
Revenue	£142.3M	£128.7M
Gross Profit	£48.2M	£43.1M
Operating Profit	£22.4M	£19.8M
Net Profit	£18.1M	£15.9M
EBITDA	£31.5M	£28.2M
Assets
Cash	£24.7M	£21.3M
Total Assets	£89.4M	£82.1M
Liabilities
Total Liabilities	£45.2M	£41.8M
Key Metrics
Employees	1,247	1,156

Latest Revenue

£142.3M

Latest EBITDA

£31.5M

Cash Position

£24.7M

Funding

Fundraising & Grants

No fundraising or grants recorded

Investors (0)

No investor information available

Officers

3 active 74 resigned

Show resigned officers

						Status
Jacques Lodewickus Bezuidenhout	Director	British	United Kingdom	50	17 Sept 2025	Active
Karen Joanne Mckay	Secretary	Unknown	Unknown	—	25 Sept 2025	Active
Rachel Anne Messenger	Director	British	United Kingdom	43	17 Sept 2025	Active

Shareholders

Shareholders (2)


Scottish Widows Group Limited	100.0%	100,000,000	Ordinary	8 May 2018
Charterhall (no. 2) Limited (in Liquidation)	0.0%	0	Ordinary	8 May 2018

Persons with Significant Control

Persons with Significant Control (1)

1 Active

Scottish Widows Group Limited

United Kingdom

Active

Notified 6 Apr 2016

Nature of Control

Ownership Of Shares 75 To 100 Percent
Voting Rights 75 To 100 Percent
Right To Appoint And Remove Directors

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Group Structure

SCOTTISH WIDOWS GROUP LIMITED united kingdom shares 75 to 100 percent, voting rights 75 to 100 percent, appoint/remove directors

LLOYDS BANKING GROUP PLC united kingdom

SCOTTISH WIDOWS FINANCIAL SERVICES HOLDINGS Current Company

HBOS FINANCIAL SERVICES LIMITED united kingdom shares 75 to 100 percent, voting rights 75 to 100 percent, appoint/remove directors

HBOS INTERNATIONAL FINANCIAL SERVICES HOLDINGS LIMITED united kingdom shares 75 to 100 percent, voting rights 75 to 100 percent, appoint/remove directors

SW FUNDING PLC united kingdom shares 75 to 100 percent, voting rights 75 to 100 percent, appoint/remove directors

Charges

No charges registered

Documents

Company Filings

Date	Category	Description	Document
7 Nov 2025	Confirmation Statement	Confirmation statement made on 2025-11-07 with no updates	View(3 pages)
26 Sept 2025	Officers	Termination of Jonathan Scott Wheway as director on 2025-09-17	View(1 page)
26 Sept 2025	Officers	Appointment of Mrs Karen Joanne Mckay as director on 2025-09-25	View(2 pages)
26 Sept 2025	Officers	Appointment of Mr Jacques Lodewickus Bezuidenhout as director on 2025-09-17	View(2 pages)
26 Sept 2025	Officers	Appointment of Mrs Rachel Anne Messenger as director on 2025-09-17	View(2 pages)