ABBEY LIFE ASSURANCE COMPANY LIMITED
🌳Matureactive
00710383 · ltd · incorporated 1961-12-12
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
68/100
Strong
What this business does
Primary activity: Life insurance
Sector: Financial & insurance
Investor take
PursueActive trading company. Reasonable fundamentals — worth a memo before deciding.
Opportunity 68/100 (strong), bankability 57/100. Biggest value-creation lever: Consolidate lender relationships. 13 distinct lenders creates friction — refinance into single-lender structure for cleaner diligence. Most likely exit: strategic trade sale (48/100).
🏦
Refinance opportunity
19 live charges · 13 lenders · oldest 55.0y
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 55.0 years old — likely at or near maturity.
- · 13 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
19 charges (19/19 with lender, 19/19 with type)
90
Directors & officers
61 officers (3 active, 61 linked, 54 with DOB)
88
Ownership & PSC
1 active PSC(s) of 2 total, 2 with control declared
90
Director network
20 connected companies via shared directors
90
Filing history
338 filings on record
85
Gazette notices
No matching gazette notices (standard for active companies)
60
Opportunity Score
68/100Strong
PassWatchWorth a lookStrongExceptional
Solid opportunity signal. Worth a dedicated memo and management meeting.
Business quality
60
Adequate — check latest filings for context.
Acquirability
50
Some acquirability indicators.
Risk profile
74
Few red flags.
Signal strength
100
Good data coverage for analysis.
Recent activity
Last 30 days
1
filing
- • 1 officers
Last 90 days
2
filings
- • 1 officers
- • 1 confirmation-statement
Last 180 days
3
filings
- • 2 officers
- • 1 confirmation-statement
Counts from Companies House filing history.
Corporate timeline (157 events)Click to expand
- 2026-04-30➖SUTTON, Kerry Elizabeth resigneddirector
- 2026-04-30📄termination-director-company-with-name-termination-dateofficers · TM01
- 2026-01-23➕SHAKESPEARE, Paul appointeddirector
- 2026-01-23📄appoint-person-director-company-with-name-dateofficers · AP01
- 2025-11-11📄change-person-director-company-with-change-dateofficers · CH01
- 2025-11-10📄change-to-a-person-with-significant-controlpersons-with-significant-control · PSC05
- 2025-11-10📄change-corporate-secretary-company-with-change-dateofficers · CH04
- 2025-11-10📍change-registered-office-address-company-with-date-old-address-new-addressaddress · AD01
- 2025-07-25📄accounts-with-accounts-type-dormantaccounts · AA
- 2025-01-03📄change-person-director-company-with-change-dateofficers · CH01
- 2024-10-16📄mortgage-charge-whole-cease-and-release-with-charge-numbermortgage · MR05
- 2024-10-16📄mortgage-charge-whole-cease-and-release-with-charge-numbermortgage · MR05
- 2024-10-16📄mortgage-charge-whole-cease-and-release-with-charge-numbermortgage · MR05
- 2024-10-16📄mortgage-charge-whole-cease-and-release-with-charge-numbermortgage · MR05
- 2024-10-16📄mortgage-charge-whole-cease-and-release-with-charge-numbermortgage · MR05
- 2024-10-16📄mortgage-charge-whole-cease-and-release-with-charge-numbermortgage · MR05
- 2024-10-16📄mortgage-charge-whole-cease-and-release-with-charge-numbermortgage · MR05
- 2024-10-16📄mortgage-charge-whole-cease-and-release-with-charge-numbermortgage · MR05
- 2024-08-23➖MEANEY, Brid Mary resigneddirector
- 2024-08-23➕SUTTON, Kerry Elizabeth appointeddirector
- 2024-08-23📄appoint-person-director-company-with-name-dateofficers · AP01
- 2024-08-23📄termination-director-company-with-name-termination-dateofficers · TM01
- 2024-07-16📄accounts-with-accounts-type-dormantaccounts · AA
- 2023-08-23📄accounts-with-accounts-type-dormantaccounts · AA
- 2023-03-21📄change-person-director-company-with-change-dateofficers · CH01
- 2022-12-31➕MEANEY, Brid Mary appointeddirector
- 2022-12-31➖MOSS, Andrew resigneddirector
- 2022-12-30➕BUFFHAM, James Bryan appointeddirector
- 2022-12-30➖SHERIFF, Rizwan resigneddirector
- 2020-06-30➕SHERIFF, Rizwan appointeddirector
- 2020-01-31➖CHEESEMAN, David Richard resigneddirector
- 2019-06-06➖BOWE, Amanda Helen resigneddirector
- 2019-06-06➖CLARKE, Stephen Andrew resigneddirector
- 2019-06-06➖HOUGHTON, Richard David resigneddirector
- 2019-06-06➖LISTER, John Robert resigneddirector
- 2019-06-06➖MILLER, Diana Susan resigneddirector
- 2019-06-06➖PEARS, Jonathan Robson, Dr resigneddirector
- 2019-06-06➖POYNTZ-WRIGHT, Nicholas Hugh resigneddirector
- 2019-06-06➖THAKRAR, Rakesh Kishore resigneddirector
- 2019-06-06➖URMSTON, Michael Norris resigneddirector
- 2018-08-31➕BOWE, Amanda Helen appointeddirector
- 2018-08-31➕HOUGHTON, Richard David appointeddirector
- 2018-08-31➖MCINNES, Susan Davidson resigneddirector
- 2018-08-31➕PEARS, Jonathan Robson, Dr appointeddirector
- 2018-07-23➕THAKRAR, Rakesh Kishore appointeddirector
- 2018-06-30➖WOOLLETT, David Nicholas resigneddirector
- 2018-04-18➕MCINNES, Susan Davidson appointeddirector
- 2018-03-15➖SNOW, Anthony Wayne resigneddirector
- 2017-07-11🔓Charge satisfied #18
- 2017-07-11🔓Charge satisfied #12
Showing most recent 50 of 157 events
Owner dependency
58/100
Moderate — manageable with handoverSome founder dependency, but not acute. A structured handover period should cover most risk.
FACTORS
- +Two-director setup: Only two active directors — typical of owner-managed SMEs but limits succession.
Succession & seller-readiness
36/100
Weak signalLimited succession signal. Not a near-term off-market candidate.
SIGNALS
- secondaryTwo-director governance: Small-team governance. Succession depth is thin but not absent.
Red flags
1 med · 1 lowCharge satisfaction-then-recreation pattern
mediumMultiple instances where a charge was satisfied and a new charge created within 6 months. Suggests active refinancing cycle.
14 live charges
lowHeavily leveraged with multiple live security positions — understand the capital structure before proceeding.
Group structure
Phoenix Life Holdings Limited is the ultimate parent — holding 75%+ shares. This company sits inside their group.
🏛️ultimate parent
Phoenix Life Holdings Limited
Corporate parent · holds 75-100% shares · board control
⬇
ABBEY LIFE ASSURANCE COMPANY LIMITED
This company · 00710383
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 |
|---|---|---|---|---|
Phoenix Life Holdings Limited Corporate entity | 75–100% | 75–100% | board control75-100% shares · 75-100% voting · board control | 30/12/2016 |
1 historic (ceased) PSC
- Deutsche Holdings No.4 Limitedceased 30/12/2016· 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 · Financial services · B postcode area| Company | Est. value | Turnover | Net worth | Staff | Age | Opp | Director |
|---|---|---|---|---|---|---|---|
| 2PAY LIMITED→ 12276058 · est 2019 · no financials extracted | — | — | — | — | 6y | — | — |
| 3 SISTER'S INVESTMENT GROUP LTD→ 16252612 · est 2025 · no financials extracted | — | — | — | — | 1y | — | — |
| 4LIFE WEALTH MANAGEMENT LIMITED→ 12341438 · est 2019 · no financials extracted | — | — | — | — | 6y | — | — |
| A & G INSURANCE SERVICES LIMITED→ 06436514 · est 2007 · no financials extracted | — | — | — | — | 18y | — | — |
| AA MORTGAGE SERVICES LTD→ 12946634 · est 2020 · no financials extracted | — | — | — | — | 5y | — | — |
| ACCELERON V LTD→ 12682701 · est 2020 · no financials extracted | — | — | — | — | 5y | — | — |
| ACCESSIBLE PAYMENT SOLUTIONS LTD→ 12692910 · est 2020 · no financials extracted | — | — | — | — | 5y | — | — |
| ACCIDENT & INJURY ASSOCIATES LIMITED→ 07660958 · est 2011 · no financials extracted | — | — | — | — | 14y | — | — |
| ACCIDENT DIRECT CLAIMS LIMITED→ 08171918 · est 2012 · no financials extracted | — | — | — | — | 13y | — | — |
| ACCURA CAPITAL LTD→ 10058269 · est 2016 · no financials extracted | — | — | — | — | 10y | — | — |
| ACE INSURANCE SERVICES GROUP LIMITED→ 10523428 · est 2016 · no financials extracted | — | — | — | — | 9y | — | — |
| ACENDEN LIMITED→ 05381786 · est 2005 · no financials extracted | — | — | — | — | 21y | — | — |
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
Incorporated1961-12-12
Jurisdictionengland-wales
Primary SIC65110 — Life insurance
Registered office
10 Brindleyplace
Birmingham
B1 2JB
United Kingdom
Filing status
Accounts
Next due: 2026-09-30
Last made up to: 2024-12-31
Confirmation statement
Next due: 2027-04-03
Last: 2026-03-20
Officers (3 active · 58 resigned)
PEARL GROUP SECRETARIAT SERVICES LIMITED→
Activecorporate-secretary · appointed 2016-12-30
View their other companies + combined net worth →
BUFFHAM, James Bryan→
Activedirector · ~49y · appointed 2022-12-30
View their other companies + combined net worth →
SHAKESPEARE, Paul→
Activedirector · ~53y · appointed 2026-01-23
View their other companies + combined net worth →
BARTLETT, Andrew William→
Resignedsecretary · appointed 2007-10-01 · resigned 2016-12-30
NICHOLLS, Tracey Caroline→
Resignedsecretary · appointed 2002-08-19 · resigned 2007-10-01
RUTHERFORD, Adam Paul→
Resignedsecretary · appointed 2007-10-01 · resigned 2007-10-01
SHAH, Farhat→
Resignedsecretary · appointed 2004-10-18 · resigned 2005-06-29
SIMMONS, Ann Barrie→
Resignedsecretary · appointed 2001-10-01 · resigned 2002-08-19
WOODWARD, Anthony James→
Resignedsecretary · resigned 2001-10-01
AMLUNG, Bernd→
Resigneddirector · ~58y · appointed 2011-11-24 · resigned 2016-01-27
BARROW, Paul Edward→
Resigneddirector · ~76y · appointed 2000-08-31 · resigned 2000-12-19
BOWE, Amanda Helen→
Resigneddirector · ~58y · appointed 2018-08-31 · resigned 2019-06-06
BRUCE, David→
Resigneddirector · ~66y · appointed 1995-07-31 · resigned 1999-10-29
CHEESEMAN, David Richard→
Resigneddirector · ~58y · appointed 2016-12-30 · resigned 2020-01-31
CLARK, Stuart William→
Resigneddirector · ~57y · appointed 2009-07-01 · resigned 2011-02-11
CLARKE, Stephen Andrew→
Resigneddirector · ~72y · appointed 2016-12-30 · resigned 2019-06-06
COXON, Mandy Pamela→
Resigneddirector · ~67y · appointed 2007-10-01 · resigned 2009-06-30
CRAIG, Benedict→
Resigneddirector · ~59y · appointed 2011-02-11 · resigned 2016-12-30
DESAI, Amish Jayant Dashrath→
Resigneddirector · ~64y · appointed 2012-02-24 · resigned 2016-12-30
DUNSTAN, Alan James→
Resigneddirector · ~78y · appointed 1995-07-31 · resigned 2000-03-31
Click a director name to see their full track record across all companies.
Mortgages & charges
19
Total charges
14
Outstanding
10
Active lenders
Status:Lender:19 of 19 shown
| Type | Properties | |||||
|---|---|---|---|---|---|---|
| satisfied | Abbey Life Trust Securities (As Trustee of the Abbey Life Assurance Company Staff Pension Scheme) Abbey Life Trust Securities Limited (As Trustee of the Abbey Life Assurance Company Limited Staff Pension Scheme) | A registered charge | — | 30/07/2016 | 11/07/2017 | |
| outstanding | Challenger Life Company Challenger Life Company Limited | A registered charge | — | 27/07/2016 | — | |
| outstanding | Challenger Life Company Challenger Life Company Limited | A registered charge | — | 12/07/2016 | — | |
| outstanding | Serco Pension Trustee as Trustee of the Serco Pension and Life Assurance Scheme Serco Pension Trustee Limited as Trustee of the Serco Pension and Life Assurance Scheme | A registered charge | — | 21/12/2015 | — | |
| outstanding | Serco Pension Trustee as Trustee of the Serco Pension and Life Assurance Scheme Serco Pension Trustee Limited as Trustee of the Serco Pension and Life Assurance Scheme | A registered charge | — | 21/12/2015 | — | |
| outstanding | Challenger Life Company Challenger Life Company Limited | A registered charge | — | 21/12/2015 | — | |
| satisfied | Challenger Life Company Challenger Life Company Limited | A registered charge | — | 21/12/2015 | 21/06/2017 | |
| satisfied | Abbey Life Trust Securities (As Trustee of the Abbey Life Assurance Company Staff Pension Scheme) Abbey Life Trust Securities Limited (As Trustee of the Abbey Life Assurance Company Limited Staff Pension Scheme) | A registered charge | 1 property | 28/06/2013 | 11/07/2017 | |
| outstanding | Deutsche Trustee Company Deutsche Trustee Company Limited | Security trust deed | 1 property | 19/07/2012 | — | |
| outstanding | Santander Santander Seguros Y Reaseguros, Compania Aseguradora,S.A. | Single premium reserve collateral deed | 1 property | 19/07/2012 | — | |
| outstanding | Partner Reinsurance Europe Partner Reinsurance Europe Limited | Cedant deed of charge and assignment | 1 property | 11/05/2011 | — | |
| outstanding | Hannover Rueckversicherung Ag | Cedant deed of charge and assignment | 1 property | 15/03/2011 | — | |
| outstanding | Abbey Life Trust Securities Abbey Life Trust Securities Limited | Deed of charge | 1 property | 29/11/2010 | — | |
| outstanding | Pacific Life Re Pacific Life Re Limited | Cedant deed of charge and assignment | 1 property | 08/04/2010 | — | |
| outstanding | Bmw (UK) Trustees Bmw (UK) Trustees Limited | Deed of charge | 1 property | 20/02/2010 | — | |
| outstanding | Rga Reinsurance Company | Deed of charge | 1 property | 10/09/2009 | — | |
| outstanding | Pacific Life Re Pacific Life Re Limited | Deed of charge | 1 property | 21/04/2009 | — | |
| satisfied | Deutsche Bank Ag, London Branch | Credit support deed | 1 property | 31/03/2009 | 05/06/2013 | |
| satisfied | Bayerische Handelsbank | Mortgage | 2 properties | 12/05/1971 | 23/07/2007 |
Click column headers to sort. Use filters above to narrow by status and lender.
Recent filings (338 total)
termination-director-company-with-name-termination-date
officers · TM01
2026-04-30
confirmation-statement-with-no-updates
confirmation-statement · CS01
2026-03-20
appoint-person-director-company-with-name-date
officers · AP01
2026-01-23
change-person-director-company-with-change-date
officers · CH01
2025-11-11
change-to-a-person-with-significant-control
persons-with-significant-control · PSC05
2025-11-10
change-corporate-secretary-company-with-change-date
officers · CH04
2025-11-10
change-registered-office-address-company-with-date-old-address-new-address
address · AD01
2025-11-10
accounts-with-accounts-type-dormant
accounts · AA
2025-07-25
confirmation-statement-with-no-updates
confirmation-statement · CS01
2025-03-26
change-person-director-company-with-change-date
officers · CH01
2025-01-03
mortgage-charge-whole-cease-and-release-with-charge-number
mortgage · MR05
2024-10-16
mortgage-charge-whole-cease-and-release-with-charge-number
mortgage · MR05
2024-10-16
mortgage-charge-whole-cease-and-release-with-charge-number
mortgage · MR05
2024-10-16
mortgage-charge-whole-cease-and-release-with-charge-number
mortgage · MR05
2024-10-16
mortgage-charge-whole-cease-and-release-with-charge-number
mortgage · MR05
2024-10-16