THE NORWICH UNION LIFE INSURANCE COMPANY LIMITED
⚰️Wound downdissolved
00038832 · ltd · incorporated 1893-05-10
Investment thesis
Company dissolved — not a live target.
Why interesting: Historical record only; useful for precedent research.
Why risky: Not transactable.
Opportunity decay
approaching window · 12-months
Approaching a transaction window — refinance or sale event plausible in the next 12 months.
- · Oldest live charge 36.7y old — refinance window within 12 months
🔒Estimated value
—
Upgrade to see
Turnover
—
not disclosed
Net worth
—
book net assets
Opportunity
49/100
Watch
What this business does
Primary activity: SIC 99999
Sector: Extraterritorial bodies
Investor take
Pass (distressed without resilience)Distressed unclear — structural issues outweigh the discount.
Opportunity 49/100 (watch), bankability 55/100. Strong seller-intent signal (65/100, director aged 76). Asset purchase likely safer than share purchase given structural signals. Biggest value-creation lever: Resolve: Company dissolved. Company has been dissolved — it no longer legally exists. Any diligence here is historical only. Most likely exit: share sale to pe / searcher (50/100). Current lenders should be on monthly review.
🏦
Refinance opportunity
6 live charges · 2 lenders · oldest 36.7y
50/100
clean up first
Refinance viable after a tidy-up — address the highlighted items first.
- · Oldest live charge is 36.7 years old — likely at or near maturity.
- · Two lenders — manageable, but coordination required.
- · Legal-friction score 40/100 — workable, but lender will want more DD.
Data confidence
Overall: medium (61/100)Adequate coverage. AI outputs are reliable for the sections scored high; verify the rest in diligence.
Company profile
address, 1 SIC codes, incorporation date
100
Financials
No iXBRL financials extracted
0
Lenders & charges
6 charges (6/6 with lender, 6/6 with type)
90
Directors & officers
48 officers (3 active, 48 linked, 38 with DOB)
86
Ownership & PSC
1 active PSC(s) of 1 total, 1 with control declared
90
Director network
20 connected companies via shared directors
90
Filing history
212 filings on record
85
Gazette notices
No matching gazette notices (standard for active companies)
60
Opportunity Score
49/100Watch
PassWatchWorth a lookStrongExceptional
Not actionable now, but monitor — distressed, succession, or structural changes could flip this into a real opportunity.
Business quality
10
Concerning — overdue filings or status flags present.
Acquirability
75
Strong succession / seller-readiness signals.
Risk profile
41
Multiple red flags — proceed with caution.
Signal strength
100
Good data coverage for analysis.
Recent activity
Last 30 days
0
filings
Last 90 days
0
filings
Last 180 days
0
filings
Counts from Companies House filing history.
Corporate timeline (112 events)Click to expand
- 2020-02-02⚠️gazette-dissolved-liquidationgazette · GAZ2
- 2020-02-02🏁Company dissolved
- 2019-11-02⚠️liquidation-voluntary-members-return-of-final-meetinginsolvency · LIQ13
- 2019-07-09📍change-registered-office-address-company-with-date-old-address-new-addressaddress · AD01
- 2019-07-08⚠️liquidation-voluntary-declaration-of-solvencyinsolvency · LIQ01
- 2019-07-08⚠️liquidation-voluntary-appointment-of-liquidatorinsolvency · 600
- 2019-07-08📄resolutionresolution · RESOLUTIONS
- 2019-04-29➕BYE, Karina Jane appointeddirector
- 2019-04-29➕ROSE, David Rowley appointeddirector
- 2019-04-29➖GARVIN, Amy Victoria Gwynne resigneddirector
- 2019-04-29➖HALL, Linda resigneddirector
- 2019-04-29📄appoint-person-director-company-with-name-dateofficers · AP01
- 2019-04-29📄termination-director-company-with-name-termination-dateofficers · TM01
- 2019-04-29📄termination-director-company-with-name-termination-dateofficers · TM01
- 2019-04-29📄appoint-person-director-company-with-name-dateofficers · AP01
- 2018-09-24📄accounts-with-accounts-type-dormantaccounts · AA
- 2017-11-03📄termination-director-company-with-name-termination-dateofficers · TM01
- 2017-09-29➖MARSHALL, Clair Louise resigneddirector
- 2017-09-21📄accounts-with-accounts-type-dormantaccounts · AA
- 2017-09-07📄appoint-person-director-company-with-name-dateofficers · AP01
- 2017-09-07📄appoint-person-director-company-with-name-dateofficers · AP01
- 2017-09-07📄termination-director-company-with-name-termination-dateofficers · TM01
- 2017-08-31➕GARVIN, Amy Victoria Gwynne appointeddirector
- 2017-08-31➕HALL, Linda appointeddirector
- 2017-08-31➖AVIVA COMPANY SECRETARIAL SERVICES LIMITED resignedcorporate-director
- 2017-04-24➖AVIVA DIRECTOR SERVICES LIMITED resignedcorporate-director
- 2017-04-24📄termination-director-company-with-name-termination-dateofficers · TM01
- 2016-10-28📄accounts-with-accounts-type-dormantaccounts · AA
- 2016-05-26📄annual-return-company-with-made-up-date-full-list-shareholdersannual-return · AR01
- 2016-02-29📍change-registered-office-address-company-with-date-old-address-new-addressaddress · AD01
- 2015-09-04📄termination-director-company-with-name-termination-dateofficers · TM01
- 2015-08-31➖WILMAN, Jennifer Jane resigneddirector
- 2015-08-14📄appoint-person-director-company-with-name-dateofficers · AP01
- 2015-08-01➕MARSHALL, Clair Louise appointeddirector
- 2008-10-01➕WILMAN, Jennifer Jane appointeddirector
- 2003-04-22🔓Charge satisfied #3
- 2003-04-22🔓Charge satisfied #2
- 2003-04-22🔓Charge satisfied #1
- 2003-04-16➕AVIVA COMPANY SECRETARIAL SERVICES LIMITED appointedcorporate-secretary
- 2003-04-16➖WHITE, Philip Martin resignedsecretary
- 2003-04-14➕WHITE, Philip Martin appointedsecretary
- 2003-04-14➖AVIVA COMPANY SECRETARIAL SERVICES LIMITED resignedcorporate-secretary
- 2002-07-17➖SCOTT, Philip Gordon resigneddirector
- 2002-07-17➖URMSTON, Michael Norris resigneddirector
- 2002-07-17➕AVIVA COMPANY SECRETARIAL SERVICES LIMITED appointedcorporate-director
- 2002-07-17➕AVIVA DIRECTOR SERVICES LIMITED appointedcorporate-director
- 2002-07-09🔓Charge satisfied #6
- 2002-07-09🔓Charge satisfied #5
- 2002-07-09🔓Charge satisfied #4
- 2000-09-26➖BOURNER, Penelope Ellen Moira resignedsecretary
Showing most recent 50 of 112 events
Owner dependency
73/100
High — earn-out structure requiredMaterial founder dependency. Consider a 2-3 year earn-out and build in a handover plan before completion.
FACTORS
- +Two-director setup: Only two active directors — typical of owner-managed SMEs but limits succession.
- +Founder age: Director aged approximately 76 — succession pressure is live.
Succession & seller-readiness
76/100
Likely off-market candidateStrong acquirability signals converging. Worth approaching directly — this is how off-market deals start.
SIGNALS
- primaryFounder aged 70+: Senior director is approximately 76 years old. Natural succession window is now.
- secondaryTwo-director governance: Small-team governance. Succession depth is thin but not absent.
- secondaryStable-but-static management: Company is 133 years old and no new directors in the last 3 years — succession not yet being planned internally.
Red flags
2 high · 1 med ·Company dissolved
highCompany has been dissolved — it no longer legally exists. Any diligence here is historical only.
Evidence: Dissolved on 2020-02-02
4 insolvency-related filings on record
highFilings relating to insolvency, liquidation, or administration exist in the company's history. Review before proceeding.
Evidence: 2020-02-02: gazette-dissolved-liquidation; 2019-11-02: liquidation-voluntary-members-return-of-final-meeting
Charge satisfaction-then-recreation pattern
mediumMultiple instances where a charge was satisfied and a new charge created within 6 months. Suggests active refinancing cycle.
Group structure
Aviva Life & Pensions Uk Limited is the ultimate parent — holding 75%+ shares. This company sits inside their group.
🏛️ultimate parent
Aviva Life & Pensions Uk Limited
Corporate parent · holds 75-100% shares · board control
⬇
THE NORWICH UNION LIFE INSURANCE COMPANY LIMITED
This company · 00038832
Parent relationships inferred from Persons with Significant Control filings. Full subsidiary tree requires reverse-lookup (coming).
Shareholders & ownership
1 active beneficial owner · dominant holder ≥75%| Name | Shares | Voting rights | Nature of control | Notified |
|---|---|---|---|---|
Aviva Life & Pensions Uk Limited Corporate entity | 75–100% | 75–100% | board control75-100% shares · 75-100% voting · board control | 06/04/2016 |
From Companies House Persons with Significant Control filings. Share ranges are banded per the public PSC regime.
🔒Co-director network graph
Radial SVG graph showing every company connected via shared directors, colour-coded by status.
Available from the Pro tier upwards.
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Peers ranked by estimated value, then turnover, then opportunity score.See all →
🔒Tailored diligence questions
10 specific questions generated from this company's actual signals — liquidity, leverage, director age, charge count, red flags, age-of-company.
Available from the Pro tier upwards.
See pricing →🔒Advanced scoring suite
Exit-route ranking, improvement thesis, quiet-distress detector, covenant-pressure proxy, extraction monitor, approaching triggers, ownership drift, local cluster, value trap, debt capacity, archetype classification — 48+ scoring modules.
Available from the Pro tier upwards.
See pricing →Company details
Statusdissolved
Typeltd
Incorporated1893-05-10
Jurisdictionengland-wales
Primary SIC99999 — SIC 99999
Registered office
1020 Eskdale Road
Winnersh
Wokingham
RG41 5TS
Filing status
Accounts
Next due: —
Last made up to: 2017-12-31
Confirmation statement
Next due: —
Last: —
Officers (0 active · 45 resigned)
AVIVA COMPANY SECRETARIAL SERVICES LIMITED→
Activecorporate-secretary · appointed 2003-04-16
View their other companies + combined net worth →
BYE, Karina Jane→
Activedirector · ~54y · appointed 2019-04-29
View their other companies + combined net worth →
ROSE, David Rowley→
Activedirector · ~76y · appointed 2019-04-29
View their other companies + combined net worth →
BOURNER, Penelope Ellen Moira→
Resignedsecretary · appointed 2000-04-22 · resigned 2000-09-26
HOWLETT, Annette Frances→
Resignedsecretary · appointed 1997-06-20 · resigned 2000-04-21
JONES, Edward Graham→
Resignedsecretary · appointed 1995-01-01 · resigned 1999-05-27
STANFORTH, John David→
Resignedsecretary · resigned 1994-12-31
UTTING, Harry William→
Resignedsecretary · resigned 1992-12-21
WHITE, Philip Martin→
Resignedsecretary · appointed 2003-04-14 · resigned 2003-04-16
AVIVA COMPANY SECRETARIAL SERVICES LIMITED→
Resignedcorporate-secretary · appointed 2000-09-26 · resigned 2003-04-14
BASSET, Bryan Ronald→
Resigneddirector · ~94y · resigned 1997-06-16
BIGGS, Michael Nicholas→
Resigneddirector · ~74y · appointed 1997-10-01 · resigned 2000-09-01
BIGGS, Michael Nicholas→
Resigneddirector · ~74y · appointed 1996-01-12 · resigned 1997-06-16
BRIDGEWATER, Allan→
Resigneddirector · ~90y · resigned 1997-12-31
BUXTON, Andrew Edward→
Resigneddirector · ~91y · resigned 1997-06-16
CALVER, Ronald→
Resigneddirector · ~81y · resigned 1993-06-30
CATOR, Francis→
Resigneddirector · ~98y · resigned 1997-06-16
CLEMINSON, James Arnold Stacey, Sir→
Resigneddirector · ~105y · resigned 1992-05-08
COPEMAN, Geoffrey Henry Charles→
Resigneddirector · ~90y · resigned 1993-05-14
COURTENAY-SMITH, Nicholas Andrew→
Resigneddirector · ~76y · appointed 1997-06-20 · resigned 2000-09-01
Click a director name to see their full track record across all companies.
Mortgages & charges
6
Total charges
0
Outstanding
0
Active lenders
Status:Lender:6 of 6 shown
| Type | Properties | |||||
|---|---|---|---|---|---|---|
| satisfied | Abn Amro Bank (Luxembourg) S.A. | Agreement in respect of a deposit and pledge | 1 property | 11/06/1997 | 09/07/2002 | |
| satisfied | Abn Amro Bank (Luxembourg) S.A. | Agreement in respect of a deposit and pledge (the "pledge agreement") | 1 property | 26/03/1997 | 09/07/2002 | |
| satisfied | Abn Amro Bank (Luxembourg) S.A. | Agreement in respect of a deposit and pledge (the "pledge agreement") | 1 property | 26/03/1997 | 09/07/2002 | |
| satisfied | Lloyds Banking Group Lloyds Bank PLC | Mortgage | 1 property | 30/07/1990 | 22/04/2003 | |
| satisfied | Lloyds Banking Group Lloyds Bank PLC | Mortgage | 1 property | 16/07/1990 | 22/04/2003 | |
| satisfied | Lloyds Banking Group Lloyds Bank PLC | Legal charge | 1 property | 22/09/1989 | 22/04/2003 |
Recent filings (212 total)
gazette-dissolved-liquidation
gazette · GAZ2
2020-02-02
liquidation-voluntary-members-return-of-final-meeting
insolvency · LIQ13
2019-11-02
change-registered-office-address-company-with-date-old-address-new-address
address · AD01
2019-07-09
liquidation-voluntary-declaration-of-solvency
insolvency · LIQ01
2019-07-08
liquidation-voluntary-appointment-of-liquidator
insolvency · 600
2019-07-08
resolution
resolution · RESOLUTIONS
2019-07-08
confirmation-statement-with-no-updates
confirmation-statement · CS01
2019-05-13
appoint-person-director-company-with-name-date
officers · AP01
2019-04-29
termination-director-company-with-name-termination-date
officers · TM01
2019-04-29
termination-director-company-with-name-termination-date
officers · TM01
2019-04-29
appoint-person-director-company-with-name-date
officers · AP01
2019-04-29
accounts-with-accounts-type-dormant
accounts · AA
2018-09-24
confirmation-statement-with-no-updates
confirmation-statement · CS01
2018-05-03
termination-director-company-with-name-termination-date
officers · TM01
2017-11-03
accounts-with-accounts-type-dormant
accounts · AA
2017-09-21