COMMERCIAL UNION LIFE ASSURANCE COMPANY LIMITED
🌳Matureactive
00079678 · ltd · incorporated 1904-01-07
Investment thesis
Established operating company — standard diligence applies, no dominant angle.
Why interesting: Live, filing, normal profile.
Why risky: No standout signals in either direction.
🔒Estimated value
—
Upgrade to see
Turnover
—
not disclosed
Net worth
—
book net assets
Opportunity
73/100
Strong
What this business does
Primary activity: SIC 99999
Sector: Extraterritorial bodies
Investor take
PursueStrong opportunity: active trading company with strong profile and structurally messy structure.
Opportunity 73/100 (strong), bankability 52/100. Asset purchase likely safer than share purchase given structural signals. Biggest value-creation lever: Consolidate lender relationships. 8 distinct lenders creates friction — refinance into single-lender structure for cleaner diligence. Most likely exit: share sale to pe / searcher (45/100).
🏦
Refinance opportunity
14 live charges · 8 lenders · oldest 24.8y
25/100
too messy
Structure is too messy for a clean refinance right now — clean up first or expect bespoke terms.
- · Oldest live charge is 24.8 years old — likely at or near maturity.
- · 8 lenders named — inter-creditor friction likely.
- · Legal-friction score 55/100 (high).
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
14 charges (14/14 with lender, 14/14 with type)
90
Directors & officers
50 officers (4 active, 50 linked, 45 with DOB)
88
Ownership & PSC
1 active PSC(s) of 2 total, 2 with control declared
90
Director network
22 connected companies via shared directors
90
Filing history
290 filings on record
85
Gazette notices
No matching gazette notices (standard for active companies)
60
Opportunity Score
73/100Strong
PassWatchWorth a lookStrongExceptional
Solid opportunity signal. Worth a dedicated memo and management meeting.
Business quality
60
Adequate — check latest filings for context.
Acquirability
70
Strong succession / seller-readiness signals.
Risk profile
74
Few red flags.
Signal strength
100
Good data coverage for analysis.
Recent activity
Last 30 days
0
filings
Last 90 days
0
filings
Last 180 days
1
filing
- • 1 officers
Counts from Companies House filing history.
Corporate timeline (126 events)Click to expand
- 2026-01-21📄termination-director-company-with-name-termination-dateofficers · TM01
- 2026-01-08➖SIM, Rhona Helen resigneddirector
- 2025-09-23📄accounts-with-accounts-type-dormantaccounts · AA
- 2025-09-11📄termination-director-company-with-name-termination-dateofficers · TM01
- 2025-09-09➕CALLAGHAN, Lee Patrick appointeddirector
- 2025-09-09➕MACINTYRE, Jamie appointeddirector
- 2025-09-09➕MORGAN, Alice Parker appointeddirector
- 2025-09-09📄appoint-person-director-company-with-name-dateofficers · AP01
- 2025-09-09📄appoint-person-director-company-with-name-dateofficers · AP01
- 2025-09-09📄appoint-person-director-company-with-name-dateofficers · AP01
- 2025-08-06➖POTTER, Helen resigneddirector
- 2024-09-20📄accounts-with-accounts-type-dormantaccounts · AA
- 2024-09-19📄change-corporate-secretary-company-with-change-dateofficers · CH04
- 2024-03-27📍change-registered-office-address-company-with-date-old-address-new-addressaddress · AD01
- 2023-10-23📄notification-of-a-person-with-significant-controlpersons-with-significant-control · PSC02
- 2023-10-23📄cessation-of-a-person-with-significant-controlpersons-with-significant-control · PSC07
- 2023-07-25📄accounts-with-accounts-type-dormantaccounts · AA
- 2022-07-19📄accounts-with-accounts-type-dormantaccounts · AA
- 2022-01-12📄change-person-director-company-with-change-dateofficers · CH01
- 2021-07-20📄accounts-with-accounts-type-dormantaccounts · AA
- 2021-02-23📄appoint-person-director-company-with-name-dateofficers · AP01
- 2021-02-23📄termination-director-company-with-name-termination-dateofficers · TM01
- 2021-02-18➖HAYNES, Alexander James William resigneddirector
- 2021-02-18➕SIM, Rhona Helen appointeddirector
- 2021-02-02📄accounts-with-accounts-type-dormantaccounts · AA
- 2021-01-11📄appoint-person-director-company-with-name-dateofficers · AP01
- 2021-01-11📄termination-director-company-with-name-termination-dateofficers · TM01
- 2020-12-31➕POTTER, Helen appointeddirector
- 2020-12-31➖ROSE, David Rowley resigneddirector
- 2019-02-04➖HALL, Linda resigneddirector
- 2019-02-04➕HAYNES, Alexander James William appointeddirector
- 2018-11-20➖HAMPSON, Stephen Anthony resigneddirector
- 2018-11-20➕ROSE, David Rowley appointeddirector
- 2017-10-01➕AVIVA COMPANY SECRETARIAL SERVICES LIMITED appointedcorporate-secretary
- 2017-09-29➖MARSHALL, Clair Louise resigneddirector
- 2017-08-31➕HALL, Linda appointeddirector
- 2017-08-31➖RISAM, Monica resigneddirector
- 2017-05-26➕RISAM, Monica appointeddirector
- 2015-08-31➖WILMAN, Jennifer Jane resignedsecretary
- 2015-08-31➖WILMAN, Jennifer Jane resigneddirector
- 2015-08-01➕MARSHALL, Clair Louise appointeddirector
- 2012-09-24➖BARRAL, David Barclay resigneddirector
- 2012-09-24➕HAMPSON, Stephen Anthony appointeddirector
- 2012-09-24➖LISTER, John Robert resigneddirector
- 2012-09-24➕WILMAN, Jennifer Jane appointeddirector
- 2011-05-23➖STRAUSS, Toby Emil resigneddirector
- 2010-04-30➖HODGES, Mark Steven resigneddirector
- 2009-04-27➖NICANDROU, Nicolaos resigneddirector
- 2009-03-26➕BARRAL, David Barclay appointeddirector
- 2009-02-11➕STRAUSS, Toby Emil appointeddirector
Showing most recent 50 of 126 events
Owner dependency
58/100
Moderate — manageable with handoverSome founder dependency, but not acute. A structured handover period should cover most risk.
FACTORS
- +Senior director age: Director aged approximately 62 — approaching natural succession window.
Succession & seller-readiness
40/100
Moderate signalSome succession indicators present. Worth watching; approach if sector/strategy fits.
SIGNALS
- secondaryFounder aged 58+: Senior director is approximately 62. Early succession window.
Red flags
1 med · 1 low2 director resignations in last 12 months
mediumMultiple recent departures can indicate governance disagreement, succession event, or preparation for sale/stress.
Evidence: POTTER, Helen resigned 2025-08-06; SIM, Rhona Helen resigned 2026-01-08
13 live charges
lowHeavily leveraged with multiple live security positions — understand the capital structure before proceeding.
Group structure
Undershaft Limited is the ultimate parent — holding 75%+ shares. This company sits inside their group.
🏛️ultimate parent
Undershaft Limited
Corporate parent · holds 75-100% shares · board control
⬇
COMMERCIAL UNION LIFE ASSURANCE COMPANY LIMITED
This company · 00079678
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 |
|---|---|---|---|---|
Undershaft Limited Corporate entity | 75–100% | 75–100% | board control75-100% shares · 75-100% voting · board control | 30/09/2023 |
1 historic (ceased) PSC
- Aviva Life Holdings Uk Limitedceased 30/09/2023· 75-100% shares · 75-100% voting · board control
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.
See pricing →Similar companies
Active · Other · EC postcode area| Company | Est. value | Turnover | Net worth | Staff | Age | Opp | Director |
|---|---|---|---|---|---|---|---|
| 2P0 LTD→ 15789228 · est 2024 · no financials extracted | — | — | — | — | 1y | — | — |
| 31 NEW INN YARD LTD→ 16772842 · est 2025 · no financials extracted | — | — | — | — | — | — | — |
| 3D PRINT FARM LTD→ 13057608 · est 2020 · no financials extracted | — | — | — | — | 5y | — | — |
| 4ALPHASNUTRITION LTD→ 16420997 · est 2025 · no financials extracted | — | — | — | — | — | — | — |
| 4BIO VENTURES II GP2 LLP→ OC424714 · est 2018 · no financials extracted | — | — | — | — | 7y | — | — |
| 4BIO VENTURES III LP→ LP022892 · est 2022 · no financials extracted | — | — | — | — | 3y | — | — |
| 4MOST HOLDINGS LLP→ OC457234 · est 2025 · no financials extracted | — | — | — | — | — | — | — |
| 4T DEVELOPMENTS LLP→ OC457665 · est 2025 · no financials extracted | — | — | — | — | — | — | — |
| 4TH INDUSTRIAL AMMOLITE LIMITED PARTNERSHIP→ LP024316 · est 2025 · no financials extracted | — | — | — | — | — | — | — |
| 5 PAPER BUILDINGS LIMITED→ 07275755 · est 2010 · no financials extracted | — | — | — | — | 15y | — | — |
| 50 FENCHURCH JV LP→ LP022677 · est 2022 · no financials extracted | — | — | — | — | 3y | — | — |
| 50-60 STATION ROAD LP→ LP020421 · est 2019 · no financials extracted | — | — | — | — | 6y | — | — |
Peers ranked by estimated value, then turnover, then opportunity score.See all →
🔒Tailored diligence questions
7 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
Statusactive
Typeltd
Incorporated1904-01-07
Jurisdictionengland-wales
Primary SIC99999 — SIC 99999
Registered office
80 Fenchurch Street
London
EC3M 4AE
United Kingdom
Filing status
Accounts
Next due: 2026-09-30
Last made up to: 2024-12-31
Confirmation statement
Next due: 2026-06-15
Last: 2025-06-01
Officers (4 active · 46 resigned)
AVIVA COMPANY SECRETARIAL SERVICES LIMITED→
Activecorporate-secretary · appointed 2017-10-01
View their other companies + combined net worth →
CALLAGHAN, Lee Patrick→
Activedirector · ~62y · appointed 2025-09-09
View their other companies + combined net worth →
MACINTYRE, Jamie→
Activedirector · ~38y · appointed 2025-09-09
View their other companies + combined net worth →
MORGAN, Alice Parker→
Activedirector · ~43y · appointed 2025-09-09
View their other companies + combined net worth →
GRANT, Keith Nigel→
Resignedsecretary · resigned 1998-06-30
WHITE, Philip Martin→
Resignedsecretary · appointed 1998-10-19 · resigned 2004-11-30
WILMAN, Jennifer Jane→
Resignedsecretary · appointed 2007-06-27 · resigned 2015-08-31
AVIVA COMPANY SECRETARIAL SERVICES LIMITED→
Resignedcorporate-secretary · appointed 2004-12-01 · resigned 2007-06-28
ABERCROMBY, Keith William→
Resigneddirector · ~62y · appointed 2005-11-28 · resigned 2006-09-14
AINLEY, John→
Resigneddirector · ~70y · appointed 2004-08-02 · resigned 2006-03-31
ANDERSON, Charles Andrew→
Resigneddirector · ~71y · appointed 2000-09-01 · resigned 2001-09-27
BARRAL, David Barclay→
Resigneddirector · ~64y · appointed 2009-03-26 · resigned 2012-09-24
BARRAL, David Barclay→
Resigneddirector · ~64y · appointed 2005-09-01 · resigned 2006-05-22
BERVILLE, Graham Michael→
Resigneddirector · ~70y · appointed 1998-10-19 · resigned 2000-09-01
CARTER, John Gordon Thomas, Sir→
Resigneddirector · ~89y · resigned 1993-12-31
COURTENAY-SMITH, Nicholas Andrew→
Resigneddirector · ~76y · appointed 2000-09-01 · resigned 2001-12-31
GRAHAM, Robert→
Resigneddirector · ~79y · resigned 1998-10-19
GRANT, Keith Nigel→
Resigneddirector · ~72y · resigned 1998-02-27
HALES, Peter Robert→
Resigneddirector · ~80y · appointed 1998-10-19 · resigned 2005-09-01
HALL, Linda→
Resigneddirector · ~70y · appointed 2017-08-31 · resigned 2019-02-04
Click a director name to see their full track record across all companies.
Mortgages & charges
14
Total charges
13
Outstanding
3
Active lenders
Status:Lender:14 of 14 shown
| Type | Properties | |||||
|---|---|---|---|---|---|---|
| outstanding | Lloyds Banking Group The Royal Bank of Scotland PLC as Agent for the Bank and as Security Trustee for the Financeparties (The Agent) | Debenture | 1 property | 16/03/2004 | — | |
| outstanding | Lloyds Banking Group The Royal Bank of Scotland PLC as Agent for the Banks and as Security Trustee for the Financeparties (The Agent) | Deed of charge of securities | 1 property | 16/03/2004 | — | |
| outstanding | Lloyds Banking Group The Royal Bank of Scotland PLC as Agent for the Banks and as Security Trustee for the Financeparties (The Agent) | Charge of interest in limited partnership | 1 property | 15/03/2004 | — | |
| outstanding | Lloyds Banking Group The Royal Bank of Scotland PLC as Agent for the Banks and as Security Trustee for the Financeparties | Deed of charge of securities | 1 property | 15/03/2004 | — | |
| outstanding | Lloyds Banking Group The Royal Bank of Scotland PLC in Its Capacity as Agent for the Banks and as Security Trusteefor the Finance Parties (Secured Party) | Agreement of confirmation of security arrangements | 1 property | 22/12/2003 | — | |
| satisfied | Bradford & Bingley (As Agent and Security Trustee for the Finance Parties) Bradford & Bingley PLC (As Agent and Security Trustee for the Finance Parties) | Legal mortgage | 5 properties | 24/09/2003 | 26/03/2004 | |
| outstanding | Lloyds Banking Group The Governor and Company of the Bank of Scotland (Security Trustee) | Legal charge | 2 properties | 28/08/2003 | — | |
| outstanding | Barclays Barclays Bank PLC | Legal charge | 1 property | 28/08/2003 | — | |
| outstanding | Lloyds Banking Group The Royal Bank of Scotland PLC as Agent for the Banks and as Security Trustee for the Financeparties | A charge of interest in limited partnership | 1 property | 24/01/2003 | — | |
| outstanding | Unigate Dairies Unigate Dairies Limited | Legal charge | 1 property | 17/10/2002 | — | |
| outstanding | Lloyds Banking Group The Royal Bank of Scotland PLC as Agent for the Banks and as Security Trustee for the Financeparties | A deed of charge of securities | 1 property | 30/09/2002 | — | |
| outstanding | Lloyds Banking Group The Royal Bank of Scotland PLC as Agent for the Banks and as Security Trustee for the Financeparties | A deed of charge over contractual rights | 1 property | 17/07/2002 | — | |
| outstanding | Lloyds Banking Group The Royal Bank of Scotland PLC as Agent for the Banks and as Security Trustee for the Financeparties | Security agreement | 1 property | 17/07/2002 | — | |
| outstanding | Barclays Barclays Bank PLC | Legal charge | 1 property | 20/08/2001 | — |
Click column headers to sort. Use filters above to narrow by status and lender.
Recent filings (290 total)
termination-director-company-with-name-termination-date
officers · TM01
2026-01-21
accounts-with-accounts-type-dormant
accounts · AA
2025-09-23
termination-director-company-with-name-termination-date
officers · TM01
2025-09-11
appoint-person-director-company-with-name-date
officers · AP01
2025-09-09
appoint-person-director-company-with-name-date
officers · AP01
2025-09-09
appoint-person-director-company-with-name-date
officers · AP01
2025-09-09
confirmation-statement-with-no-updates
confirmation-statement · CS01
2025-06-13
accounts-with-accounts-type-dormant
accounts · AA
2024-09-20
change-corporate-secretary-company-with-change-date
officers · CH04
2024-09-19
confirmation-statement-with-no-updates
confirmation-statement · CS01
2024-06-10
change-registered-office-address-company-with-date-old-address-new-address
address · AD01
2024-03-27
notification-of-a-person-with-significant-control
persons-with-significant-control · PSC02
2023-10-23
cessation-of-a-person-with-significant-control
persons-with-significant-control · PSC07
2023-10-23
accounts-with-accounts-type-dormant
accounts · AA
2023-07-25
confirmation-statement-with-no-updates
confirmation-statement · CS01
2023-06-01