AVIVA CREDIT SERVICES UK LIMITED

🌳Matureactive

00184857 · ltd · incorporated 1922-10-07

Investment thesis

Well-run mature business — low negotiation leverage; premium likely.

Why interesting: Textbook target; clean filings, stable trading.

Why risky: No pressure on seller; any deal likely at full price.

Opportunity decay

hardening · 12-months

Already tight — no obvious softening catalysts on the horizon.

· Thesis: well-run, low negotiation leverage

🔒Estimated value

—

Upgrade to see

Turnover

—

not disclosed

Net worth

—

book net assets

Opportunity

78/100

Strong

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What this business does

Primary activity: Financial intermediation not elsewhere classified

Sector: Financial & insurance

Investor take

Pursue

Strong opportunity: active trading company with strong profile and acceptable with review structure.

Opportunity 78/100 (strong), bankability 70/100. Share purchase looks the cleaner deal structure. Most likely exit: strategic trade sale (73/100).

Data confidence

Overall: medium (55/100)

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

Lenders & charges

Confirmed no charges registered

Directors & officers

48 officers (6 active, 48 linked, 44 with DOB)

Ownership & PSC

1 active PSC(s) of 1 total, 1 with control declared

Director network

Network not yet resolved

Filing history

255 filings on record

Gazette notices

No matching gazette notices (standard for active companies)

Opportunity Score

78/100Strong

PassWatchWorth a lookStrongExceptional

Solid opportunity signal. Worth a dedicated memo and management meeting.

Business quality

Active, clean filings, stable charge profile.

Acquirability

Strong succession / seller-readiness signals.

Risk profile

Few red flags.

Signal strength

Good data coverage for analysis.

Recent activity

Last 30 days

filings

• 2 officers
• 1 confirmation-statement

Last 90 days

filings

• 3 officers
• 1 confirmation-statement

Last 180 days

filings

• 3 officers
• 1 confirmation-statement

Counts from Companies House filing history.

Corporate timeline (107 events)Click to expand

2026-05-19
📄
appoint-person-director-company-with-name-date
officers · AP01
2026-05-11
➕
KETTELL, Anna appointed
director
2026-05-09
📄
replacement-filing-of-director-appointment-with-name
officers · RP01AP01
2026-04-08
📄
change-person-director-company-with-change-date
officers · CH01
2025-11-11
📄
appoint-person-director-company-with-name-date
officers · AP01
2025-10-28
➕
TAYLOR, Michelle appointed
director
2025-09-02
📄
accounts-with-accounts-type-full
accounts · AA
2025-05-27
📄
termination-director-company-with-name-termination-date
officers · TM01
2025-05-16
➖
GRATION, Tracey Louise resigned
director
2025-01-23
📄
change-person-director-company-with-change-date
officers · CH01
2024-06-27
📄
accounts-with-accounts-type-full
accounts · AA
2024-04-04
📄
change-corporate-secretary-company-with-change-date
officers · CH04
2024-03-27
📄
change-person-director-company-with-change-date
officers · CH01
2024-03-27
📍
change-registered-office-address-company-with-date-old-address-new-address
address · AD01
2024-03-11
📄
appoint-person-director-company-with-name-date
officers · AP01
2024-03-11
📄
appoint-person-director-company-with-name-date
officers · AP01
2024-03-05
➕
MARTIN, David John appointed
director
2024-03-05
➕
MELVIN, Rebecca Dawn appointed
director
2023-12-11
📄
termination-director-company-with-name-termination-date
officers · TM01
2023-11-30
➖
DINLEY, Sarah Louise resigned
director
2023-10-12
📄
accounts-with-accounts-type-full
accounts · AA
2023-05-30
📄
appoint-person-director-company-with-name-date
officers · AP01
2023-05-18
➕
BENNETT, Daniel appointed
director
2023-01-26
📄
change-person-director-company-with-change-date
officers · CH01
2022-12-08
📄
termination-director-company-with-name-termination-date
officers · TM01
2022-12-07
➖
SENIOR, Paul resigned
director
2022-10-25
📄
termination-director-company-with-name-termination-date
officers · TM01
2022-10-17
➖
CAREY, David Philip resigned
director
2022-08-16
📄
accounts-with-accounts-type-full
accounts · AA
2022-08-03
📄
appoint-person-director-company-with-name-date
officers · AP01
2022-07-26
➕
GRATION, Tracey Louise appointed
director
2021-12-17
➖
WARSOP, Simon Peter resigned
director
2021-11-11
➕
CAREY, David Philip appointed
director
2021-06-02
➕
WARSOP, Simon Peter appointed
director
2021-05-17
➖
BAYLES, Philip Spencer resigned
director
2020-10-08
➖
LATTER, Thomas James resigned
director
2020-10-08
➕
SENIOR, Paul appointed
director
2020-08-18
➕
DINLEY, Sarah Louise appointed
director
2020-08-17
➖
HEMMING, Gareth John resigned
director
2018-06-08
➕
LATTER, Thomas James appointed
director
2018-04-27
➕
BAYLES, Philip Spencer appointed
director
2018-04-27
➖
EATON, Angus Gordon resigned
director
2018-04-27
➕
HEMMING, Gareth John appointed
director
2018-04-27
➖
TIERNAN, Patrick Colm Peter resigned
director
2017-06-15
➖
RIX, Lindsey Claire resigned
director
2017-06-15
➕
TIERNAN, Patrick Colm Peter appointed
director
2015-11-04
➖
TRELOAR, Stephen resigned
director
2015-03-05
➕
EATON, Angus Gordon appointed
director
2014-12-31
➖
FOY, Ian Russell resigned
director
2014-11-24
➖
BAYLES, Philip Spencer resigned
director

Showing most recent 50 of 107 events

Owner dependency

48/100

Moderate — manageable with handover

Some founder dependency, but not acute. A structured handover period should cover most risk.

FACTORS

-5 active directors: Broader management team in place — suggests transferable governance.
+Senior director age: Director aged approximately 58 — approaching natural succession window.

Succession & seller-readiness

40/100

Moderate signal

Some succession indicators present. Worth watching; approach if sector/strategy fits.

SIGNALS

secondaryFounder aged 58+: Senior director is approximately 58. Early succession window.

Red flags

clean

No red flags detected from available public data. (This is not a clean bill of health — detailed accounts review still recommended.)

Group structure

Aviva Insurance Limited is the ultimate parent — holding 75%+ shares. This company sits inside their group.

🏛️

Aviva Insurance Limited

Corporate parent · holds 75-100% shares · board control

ultimate parent

⬇

AVIVA CREDIT SERVICES UK LIMITED

This company · 00184857

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 Insurance 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.

Similar companies

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ANGLIAN ASSET FINANCE LTD→ 13050740 · est 2020 · no financials extracted	—	—	—	—	5y	—	—
APOLLO INVESTMENT MANAGEMENT LTD→ 14323177 · est 2022 · no financials extracted	—	—	—	—	3y	—	—
ARMFIELD FINANCIAL LTD→ 12167863 · est 2019 · no financials extracted	—	—	—	—	6y	—	—
ARMSTRONG CAPITAL MANAGEMENT LIMITED→ 11472557 · est 2018 · no financials extracted	—	—	—	—	7y	—	—
ASPIRE MORTGAGES LIMITED→ 06373570 · est 2007 · no financials extracted	—	—	—	—	18y	—	—
ASSET INVESTMENT MANAGEMENT LTD.→ 05880144 · est 2006 · no financials extracted	—	—	—	—	19y	—	—
ASTON FINANCIAL SERVICES LIMITED→ 05332878 · est 2005 · no financials extracted	—	—	—	—	21y	—	—
ATHENA AND SOTERIA LIMITED→ 16486581 · est 2025 · no financials extracted	—	—	—	—	—	—	—

Peers ranked by estimated value, then turnover, then opportunity score.See all →

🔒Tailored diligence questions

6 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.

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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.

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Company details

Statusactive

Typeltd

Incorporated1922-10-07

Jurisdictionengland-wales

Primary SIC64999 — Financial intermediation not elsewhere classified

Registered office

8 Surrey Street

Norwich

Norfolk

NR1 3NG

United Kingdom

Filing status

Accounts

Next due: 2026-09-30

Last made up to: 2024-12-31

Confirmation statement

Next due: 2027-05-15

Last: 2026-05-01