SCOTTISH EQUITABLE PLC
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Cash
—
Latest balance sheet
Net assets
£562M
-19.7% lowest in 3 filed years
Employees
—
Average over period
Profit before tax
£48M
-30.7% vs 2024
Net assets
3-year trend · vs Financials median
SCOTTISH EQUITABLE PLC·Financials median
SCOTTISH EQUITABLE PLC·Financials median
SCOTTISH EQUITABLE PLC·Financials median
SCOTTISH EQUITABLE PLC·Financials median
SCOTTISH EQUITABLE PLC·Financials median
Accounts
3-year trend · Δ = latest vs prior filed period · latest reflected 2025-12-31
| Metric | Trend | 2023-12-31 | 2024-12-31 | 2025-12-31 | Δ vs prior |
|---|---|---|---|---|---|
| Gross written premiums | — | £396,300,000 | £299,200,000 | -24.5% | |
| Net earned premiums | — | — | — | — | |
| Claims incurred | — | £220,600,000 | £157,700,000 | -28.5% | |
| Investment return | — | £5,017,000,000 | £7,368,100,000 | +46.9% | |
| Profit before tax | £35,900,000 | £69,700,000 | £48,300,000 | -30.7% | |
| Net profit | £10,700,000 | £57,500,000 | £16,900,000 | -70.6% | |
| Insurance contract liabilities | — | £36,653,100,000 | £39,001,600,000 | +6.4% | |
| Total assets | £89,413,700,000 | £98,250,700,000 | £109,584,400,000 | +11.5% | |
| Total liabilities | — | £97,550,700,000 | £109,022,500,000 | +11.8% | |
| Equity | £775,000,000 | £700,000,000 | £561,900,000 | -19.7% | |
| Average employees | — | — | — | — |
Values shown as filed in the company's annual accounts. — indicates the figure wasn't present under that line item in that period. The Δ column is the change from the prior filed period as a percentage of |prior|; lines a company doesn't report show —. About these numbers
Ratios
Computed from the line items above — sparklines read oldest → newest
| Ratio | Trend | 2023-12-31 | 2024-12-31 | 2025-12-31 |
|---|---|---|---|---|
| Net margin | 1.8% | 12.3% | — | |
| Gearing (liabilities / total assets) | 99.1% | 99.3% | — |
Margins divide P&L lines by turnover. Gearing is liabilities over total assets. Current ratio is current assets over creditors falling due within one year. Interest cover is operating profit over absolute finance costs. Sector-distribution context coming next.
Audit & accounting basis
- Accounting basis
- IFRS
- Reporting scope
- Standalone (parent only)
- Auditor
- Ernst & Young LLP
- Audit opinion
- Unqualified (clean)
- Going concern
- Affirmed
“The Directors have performed analysis of the capital and liquidity outlook for the business taking into account the wider economic outlook noted above, the potential impact of the strategic review of Aegon UK and have determined that the business is a Going Concern, noting the financial resilience of the Company.”
Group structure
- SCOTTISH EQUITABLE PLC · parent
- Scottish Equitable (Managed Funds) Ltd 100%
Significant events
- “Aegon UK in 2023 completed its protection business to Royal London and the deal completed on 1 July 2024 following court approval of the transfer.”
Auditor, going-concern and subsidiary information is drawn from the narrative of the latest annual accounts. About these numbers
People
9 active · 74 resigned
| Name | Role | Appointed | Born | Nationality |
|---|---|---|---|---|
| WRIGHT, Amanda | Secretary | 2025-05-19 | — | — |
| BAREGGI, Michele | Director | 2025-05-13 | Nov 1973 | Italian |
| BLAKE, Nicholas, Mr. | Director | 2024-11-27 | Dec 1965 | British |
| DAVIES, Michael Stuart | Director | 2021-12-22 | Dec 1966 | British |
| EWING, James | Director | 2014-04-03 | Jun 1970 | British |
| FROEHLICH, Theresa Patricia | Director | 2018-05-22 | Apr 1966 | British |
| HESLOP, Helen Louise | Director | 2021-04-12 | Dec 1969 | British |
| HOLLIDAY-WILLIAMS, Michael Anthony, Mr. | Director | 2020-01-08 | Jun 1970 | British |
| MCCOMB, Christina Margaret | Director | 2024-01-22 | May 1956 | British |
Show 74 resigned officers
| Name | Role | Appointed | Resigned |
|---|---|---|---|
| CRAIG, Lynn | Secretary | 2024-12-28 | 2025-05-19 |
| EDWARDS, Laurence John | Secretary | 2012-09-14 | 2014-06-12 |
| ELSTON, David Aiken | Secretary | 2009-12-04 | 2010-09-24 |
| GLEN, Marian | Secretary | 2009-08-13 | 2009-12-04 |
| GOUGH, Clare Jennifer | Secretary | 1993-05-18 | 1993-09-08 |
| MACKENZIE, James Kenneth | Secretary | 2014-06-12 | 2024-12-28 |
| MACKENZIE, James Kenneth | Secretary | 2010-09-24 | 2012-09-14 |
| PAGE, Timothy Algernon Clement | Secretary | 1993-09-08 | 1993-11-04 |
| PATRICK, Roy | Secretary | 1993-11-04 | 1999-01-01 |
| YOUNG, Ian Gordon | Secretary | 1999-01-01 | 2009-08-13 |
| CHARLOTTE SECRETARIES LIMITED | Corporate Secretary | 1993-05-14 | 1993-05-18 |
| BARKER, Keith Graham | Director | 1999-01-01 | 2003-12-31 |
| BERRIDGE, David Anderson | Director | 1993-11-04 | 1997-01-22 |
| BERTRAM, Robert David Darney | Director | 1993-05-14 | 1993-05-18 |
| BOUSFIELD, Clare | Director | 2010-11-11 | 2016-08-12 |
| BRUNET, Maurice Clive | Director | 2006-02-22 | 2010-02-15 |
| BRUNET, Maurice Clive | Director | 1999-01-01 | 2003-12-31 |
| BUTTON, Darryl Douglas | Director | 2013-08-08 | 2016-11-17 |
| CLEGG, Robert Duncan | Director | 1997-06-12 | 1999-01-01 |
| CLIFF, John Peter | Director | 2012-05-11 | 2014-09-19 |
| CLODE, Steven Charles, Dr | Director | 2008-06-03 | 2010-02-15 |
| DALTON-BROWN, David Martin | Director | 2015-09-11 | 2024-12-31 |
| DAVIES, Susanna Frances | Director | 2021-11-08 | 2025-09-30 |
| DAVIES, Susanna Frances | Director | 2021-11-08 | 2021-11-08 |
| DORNAN, Peter Gordon | Director | 2006-02-22 | 2007-12-07 |
| DUMBLE, Graham William | Director | 1999-01-01 | 2007-11-09 |
| EASTER, Philip Charles | Director | 2011-12-22 | 2016-09-15 |
| EASTWOOD, Adrian Mark | Director | 2014-09-01 | 2022-12-31 |
| FOSTER, William Henry | Director | 1993-05-18 | 1999-01-01 |
| FRANKLIN, Niall Anthony Morris | Director | 1995-02-23 | 1998-12-31 |
| GALE, Patrick Nigel Christopher | Director | 2010-02-15 | 2011-10-24 |
| GARTHWAITE, Charles Martin | Director | 2010-07-09 | 2013-12-31 |
| GEDDES, John Anthony | Director | 1993-05-18 | 1999-01-01 |
| GILLSON, Roy Charles | Director | 2011-06-30 | 2013-02-08 |
| GRACE, Adrian Thomas | Director | 2009-09-25 | 2020-01-09 |
| GULLIFORD, Simon James | Director | 2012-10-01 | 2019-06-27 |
| HENDERSON, David Alexander | Director | 1993-11-04 | 2004-12-31 |
| HOGAN, Russell | Director | 1999-01-01 | 2001-02-26 |
| INGLIS, Hamish Macfarlane | Director | 1993-11-04 | 1999-01-01 |
| KIRKPATRICK, David Jeffrey | Director | 1993-11-04 | 1996-09-30 |
| LAGENDIJK, Erik | Director | 2010-11-11 | 2014-11-13 |
| LAIDLAW, John Mark | Director | 2005-01-01 | 2010-06-21 |
| MACKLE, Feilim | Director | 2007-12-07 | 2010-03-29 |
| MCCONVILLE, James | Director | 2011-05-11 | 2012-07-09 |
| MCGEE, Stephen James | Director | 2016-10-29 | 2021-12-31 |
| MERRICK, Michael John | Director | 2014-08-04 | 2022-09-30 |
| MONAGHAN, Charles Edward | Director | 1995-02-23 | 1999-01-01 |
| NOOITGEDAGT, Jan Jarich | Director | 2010-07-01 | 2013-04-23 |
| PAIGE, David Victor | Director | 2008-05-01 | 2012-06-14 |
| PATRICK, Roy | Director | 1999-01-01 | 2006-04-28 |
| PEUGEOT, Patrick | Director | 2010-07-01 | 2014-03-26 |
| RAMSAY, Caroline Frances | Director | 2012-05-21 | 2020-05-14 |
| RIDER, Matthew James | Director | 2017-06-22 | 2021-11-01 |
| ROBERTSON, William John | Director | 2010-02-15 | 2010-07-30 |
| ROBERTSON, William John | Director | 1999-08-20 | 2004-12-31 |
| ROGERS, Michael John, Mr. | Director | 2017-10-12 | 2024-01-22 |
| RUSSELL, Duncan James | Director | 2022-07-21 | 2024-11-05 |
| SEALEY, Barry Edward | Director | 1993-11-04 | 1999-01-01 |
| SHANNON, William Mervyn Frew Carey | Director | 2010-07-01 | 2011-12-20 |
| SHANNON, William Mervyn Frew Carey | Director | 1997-08-14 | 1999-01-01 |
| SHEPARD, Donald James | Director | 1996-08-15 | 1999-01-01 |
| SLEIGH, Charles Frederick | Director | 1993-11-04 | 1995-05-04 |
| STEWART, William Wilson | Director | 1993-11-04 | 2001-05-31 |
| STORM, Kornelis Jan | Director | 1993-05-18 | 1999-01-01 |
| STORMONTH DARLING, Peter | Director | 1993-11-04 | 1999-01-01 |
| THORESEN, Otto | Director | 1999-01-01 | 2011-03-31 |
| TUOHY, Michael Ralph | Director | 2008-08-05 | 2015-12-10 |
| WARD, Maxwell Colin Bernard | Director | 2010-07-01 | 2011-05-04 |
| WARD, Maxwell Colin Bernard | Director | 1995-02-23 | 1999-01-01 |
| WILSON, Keith James | Director | 2000-02-17 | 2003-12-31 |
| WRIGHT, Karen Rhea | Director | 2015-05-18 | 2016-06-17 |
| WYLES, Janet Elizabeth | Director | 2006-02-22 | 2006-06-12 |
| CHARLOTTE SECRETARIES LIMITED | Corporate Director | 1993-05-14 | 1993-05-18 |
| THE RT HON VISCOUNT YOUNGER OF LECKIE | Corporate Director | 1993-11-04 | 1998-03-05 |
Ownership
Persons with significant control
| Name | Kind | Nature of control | Notified | Status |
|---|---|---|---|---|
| Scottish Equitable Holdings Limited | Corporate entity | Shares 75–100%, Voting 75–100%, Appoints directors | 2017-04-06 | Active |
Filing timeline
Last 20 of 745 total filings
| Date | Type | Category | Description | |
|---|---|---|---|---|
| 2026-05-26 | AA | accounts | Accounts with accounts type full | |
| 2026-04-02 | CS01 | confirmation-statement | Confirmation statement with no updates | |
| 2026-03-26 | CH01 | officers | Change person director company with change date | |
| 2026-03-26 | CH03 | officers | Change person secretary company with change date | |
| 2025-10-07 | TM01 | officers | Termination director company with name termination date | |
| 2025-09-30 | CH01 | officers | Change person director company with change date | |
| 2025-06-12 | CS01 | confirmation-statement | Confirmation statement with no updates | |
| 2025-05-21 | AA | accounts | Accounts with accounts type full | |
| 2025-05-20 | TM02 | officers | Termination secretary company with name termination date | |
| 2025-05-20 | AP03 | officers | Appoint person secretary company with name date | |
| 2025-05-16 | AP01 | officers | Appoint person director company with name date | |
| 2025-01-02 | TM01 | officers | Termination director company with name termination date | |
| 2025-01-02 | TM02 | officers | Termination secretary company with name termination date | |
| 2025-01-02 | AP03 | officers | Appoint person secretary company with name date | |
| 2024-12-04 | AP01 | officers | Appoint person director company with name date | |
| 2024-11-25 | AUD | auditors | Auditors resignation company | |
| 2024-11-07 | TM01 | officers | Termination director company with name termination date | |
| 2024-06-14 | CS01 | confirmation-statement | Confirmation statement with no updates | |
| 2024-05-13 | AA | accounts | Accounts with accounts type full | |
| 2024-02-05 | TM01 | officers | Termination director company with name termination date |
Public-record activity
Raw counts from Companies House — last 12–24 months
- Filings
- 6
- Capital events
- 0
- Officers appointed
- 0
- Officers resigned
- 1
last 12 months
last 24 months
last 12 months
last 12 months
Direct counts from the register. No score, no rating — see the Filing timeline for the underlying events.