ALLIED DUNBAR ASSURANCE PLC
🌳Matureactive
00865292 · plc · incorporated 1965-11-30
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
72/100
Strong
What this business does
Primary activity: Life insurance
Sector: Financial & insurance
Investor take
PursueStrong opportunity: active trading company with strong profile and acceptable with review structure.
Opportunity 72/100 (strong), bankability 67/100. Biggest value-creation lever: Consolidate lender relationships. 7 distinct lenders creates friction — refinance into single-lender structure for cleaner diligence. Most likely exit: strategic trade sale (48/100).
🏦
Refinance opportunity
16 live charges · 6 lenders · oldest 42.4y
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 42.4 years old — likely at or near maturity.
- · 6 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
16 charges (16/16 with lender, 16/16 with type)
90
Directors & officers
70 officers (3 active, 70 linked, 59 with DOB)
87
Ownership & PSC
1 active PSC(s) of 2 total, 2 with control declared
90
Director network
16 connected companies via shared directors
90
Filing history
457 filings on record
85
Gazette notices
No matching gazette notices (standard for active companies)
60
Opportunity Score
72/100Strong
PassWatchWorth a lookStrongExceptional
Solid opportunity signal. Worth a dedicated memo and management meeting.
Business quality
70
Active, clean filings, stable charge profile.
Acquirability
50
Some acquirability indicators.
Risk profile
77
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 persons-with-significant-control
Counts from Companies House filing history.
Corporate timeline (173 events)Click to expand
- 2026-02-10📄cessation-of-a-person-with-significant-controlpersons-with-significant-control · PSC07
- 2025-06-10📄accounts-with-accounts-type-fullaccounts · AA
- 2025-02-14➖TAPHOUSE, Martin Clive resigneddirector
- 2025-02-14📄appoint-person-director-company-with-name-dateofficers · AP01
- 2025-02-14📄termination-director-company-with-name-termination-dateofficers · TM01
- 2025-02-13➕SPENCER, Kirk Matthew appointeddirector
- 2024-07-04📄accounts-with-accounts-type-fullaccounts · AA
- 2023-08-29📄notice-of-removal-of-a-directorofficers · AP01
- 2023-07-05📄accounts-with-accounts-type-fullaccounts · AA
- 2023-04-03📄termination-director-company-with-name-termination-dateofficers · TM01
- 2023-03-31➖WALL, Steven Lewis resigneddirector
- 2023-03-29📄appoint-person-director-company-with-name-dateofficers · AP01
- 2023-03-23➕TAPHOUSE, Martin Clive appointeddirector
- 2022-10-25📄change-person-director-company-with-change-dateofficers · CH01
- 2022-10-25📄change-person-director-company-with-change-dateofficers · CH01
- 2022-10-24📍change-sail-address-company-with-old-address-new-addressaddress · AD02
- 2022-08-09📄accounts-with-accounts-type-fullaccounts · AA
- 2021-11-12📄change-to-a-person-with-significant-controlpersons-with-significant-control · PSC05
- 2021-11-12📄change-corporate-secretary-company-with-change-dateofficers · CH04
- 2021-11-12📍change-registered-office-address-company-with-date-old-address-new-addressaddress · AD01
- 2021-07-29📄auditors-resignation-companyauditors · AUD
- 2021-07-12📄accounts-with-accounts-type-fullaccounts · AA
- 2020-10-02📄accounts-with-accounts-type-fullaccounts · AA
- 2019-12-31➕JENKINS, Gareth David appointeddirector
- 2019-12-31➖SYKES, James Richard resigneddirector
- 2016-04-01➕WALL, Steven Lewis appointeddirector
- 2016-03-31➖EVANS, Neil James resigneddirector
- 2015-10-02➖SHAUGHNESSY, Gary Paul John resigneddirector
- 2014-05-19➕EVANS, Neil James appointeddirector
- 2014-04-07➕ZURICH CORPORATE SECRETARY (UK) LIMITED appointedcorporate-secretary
- 2014-04-07➖BLUNDELL, Ann Claire resignedsecretary
- 2014-04-07➖KNOTT, Amanda Louise resignedsecretary
- 2014-04-07➖RITCHIE, Ian resignedsecretary
- 2013-07-25➖ROSS, Corina Katherine resignedsecretary
- 2013-07-12➖GODSAVE, Simon Andrew resigneddirector
- 2013-07-10➕BLUNDELL, Ann Claire appointedsecretary
- 2013-07-10➕RITCHIE, Ian appointedsecretary
- 2013-07-10➕SYKES, James Richard appointeddirector
- 2013-07-01➖PENDER, Daniel John resigneddirector
- 2013-05-15➖GILLIES, Alasdair Christopher resigneddirector
- 2012-08-31➖ETHERINGTON, David John resigneddirector
- 2012-08-30➕GODSAVE, Simon Andrew appointeddirector
- 2012-08-30➖KENMIR, Anthony Paul resigneddirector
- 2012-08-10➕PENDER, Daniel John appointeddirector
- 2012-08-10➖TENGTIO, Oscar Clemente resigneddirector
- 2012-06-07➕SHAUGHNESSY, Gary Paul John appointeddirector
- 2011-08-31➖BRENNAN, Michael Joseph resigneddirector
- 2009-12-02➕KENMIR, Anthony Paul appointeddirector
- 2009-10-23➖SYKES, James Richard resigneddirector
- 2009-10-01➕BRENNAN, Michael Joseph appointeddirector
Showing most recent 50 of 173 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 ·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
Zurich Financial Services (Ukisa) Limited is the ultimate parent — holding 75%+ shares. This company sits inside their group.
🏛️ultimate parent
Zurich Financial Services (Ukisa) Limited
Corporate parent · holds 75-100% shares · board control
⬇
ALLIED DUNBAR ASSURANCE PLC
This company · 00865292
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 |
|---|---|---|---|---|
Zurich Financial Services (Ukisa) Limited Corporate entity | 75–100% | 75–100% | board control75-100% shares · 75-100% voting · board control | 06/04/2016 |
1 historic (ceased) PSC
- Zurich Financial Services (Ukisa) Limitedceased 06/04/2016· 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 · SN postcode area| Company | Est. value | Turnover | Net worth | Staff | Age | Opp | Director |
|---|---|---|---|---|---|---|---|
| 4 SQUARE ADVICE LIMITED→ 04257080 · est 2001 · no financials extracted | — | — | — | — | 24y | — | — |
| ABKA LIMITED→ 08902688 · est 2014 · no financials extracted | — | — | — | — | 12y | — | — |
| ACORN FINANCE AND BUSINESS SERVICES LIMITED→ 14074610 · est 2022 · no financials extracted | — | — | — | — | 3y | — | — |
| ACTIVE ASSET MANAGEMENT LIMITED→ 09182574 · est 2014 · no financials extracted | — | — | — | — | 11y | — | — |
| ADVANCED SYSTEMS UNDERSTANDING TRUSTEE LIMITED→ 14009975 · est 2022 · no financials extracted | — | — | — | — | 4y | — | — |
| ADZZIP LTD→ 11902635 · est 2019 · no financials extracted | — | — | — | — | 7y | — | — |
| AI EXCHANGE LTD→ 10883815 · est 2017 · no financials extracted | — | — | — | — | 8y | — | — |
| AJR LTD→ 16177701 · est 2025 · no financials extracted | — | — | — | — | 1y | — | — |
| ALCHEMY INVESTMENT MANAGEMENT→ 13497123 · est 2021 · no financials extracted | — | — | — | — | 4y | — | — |
| ALEXANDER SWAN INSURANCE SERVICES LIMITED→ 06277712 · est 2007 · no financials extracted | — | — | — | — | 18y | — | — |
| ALLEN SALTER WEALTH MANAGEMENT LTD→ 04068038 · est 2000 · no financials extracted | — | — | — | — | 25y | — | — |
| ALLIED WESSEX WESTINSURE LIMITED→ 04489781 · est 2002 · no financials extracted | — | — | — | — | 23y | — | — |
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
Typeplc
Incorporated1965-11-30
Jurisdictionengland-wales
Primary SIC65110 — Life insurance
Registered office
Unity Place
1 Carfax Close
Swindon
Wiltshire
SN1 1AP
United Kingdom
Filing status
Accounts
Next due: 2026-06-30
Last made up to: 2024-12-31
Confirmation statement
Next due: 2026-07-04
Last: 2025-06-20
Officers (3 active · 67 resigned)
ZURICH CORPORATE SECRETARY (UK) LIMITED→
Activecorporate-secretary · appointed 2014-04-07
View their other companies + combined net worth →
JENKINS, Gareth David→
Activedirector · ~50y · appointed 2019-12-31
View their other companies + combined net worth →
SPENCER, Kirk Matthew→
Activedirector · ~44y · appointed 2025-02-13
View their other companies + combined net worth →
BLUNDELL, Ann Claire→
Resignedsecretary · appointed 2013-07-10 · resigned 2014-04-07
BUSSON, Alan Paul→
Resignedsecretary · appointed 2006-04-20 · resigned 2006-09-29
HOWE, Peter Charles→
Resignedsecretary · resigned 2004-06-24
KNOTT, Amanda Louise→
Resignedsecretary · appointed 2006-09-29 · resigned 2014-04-07
LOWE, Nigel→
Resignedsecretary · appointed 2005-04-14 · resigned 2006-04-20
MEACHAM, Jayne Michelle→
Resignedsecretary · appointed 2006-11-01 · resigned 2008-05-02
OLISA HOLDING, Lily→
Resignedsecretary · appointed 2004-06-24 · resigned 2005-04-14
RITCHIE, Ian→
Resignedsecretary · appointed 2013-07-10 · resigned 2014-04-07
ROGERS, Helen Frances Leigh→
Resignedsecretary · appointed 2008-07-25 · resigned 2008-12-05
ROSS, Corina Katherine→
Resignedsecretary · appointed 2008-12-05 · resigned 2013-07-25
ALLVEY, David Philip→
Resigneddirector · ~81y · resigned 1993-02-10
BALDWIN, Keith Reginald→
Resigneddirector · ~78y · resigned 2003-08-31
BEYNON, David John→
Resigneddirector · ~76y · resigned 1992-06-08
BRENNAN, Michael Joseph→
Resigneddirector · ~74y · appointed 2009-10-01 · resigned 2011-08-31
BRIDE, Martin Lindsay→
Resigneddirector · ~63y · appointed 2006-01-27 · resigned 2009-04-24
CACCHIOLI, John Antony→
Resigneddirector · ~68y · appointed 2000-08-07 · resigned 2001-06-07
CAMPBELL, Peter Charles→
Resigneddirector · ~68y · appointed 2000-08-21 · resigned 2001-06-11
Click a director name to see their full track record across all companies.
Mortgages & charges
16
Total charges
3
Outstanding
3
Active lenders
Status:Lender:16 of 16 shown
| Type | Properties | |||||
|---|---|---|---|---|---|---|
| outstanding | Co-operative Bank The Co-Operative Bank PLC | Third party legal mortgage | 1 property | 21/03/2003 | — | |
| outstanding | Miller/Ctp (Fareham) Miller/Ctp (Fareham) Limited | Second charge | 1 property | 21/03/2003 | — | |
| outstanding | Welsh Development Agency | Deed of charge | 1 property | 12/02/2002 | — | |
| satisfied | Allied Dunbar Assurance Allied Dunbar Assurance PLC | Letter of set-off | 1 property | 11/11/1999 | 22/01/2003 | |
| satisfied | Allied Dunbar Assurance Allied Dunbar Assurance PLC | Letter of set off | 1 property | 11/11/1999 | 22/01/2003 | |
| satisfied | Cumbernauld Development Corporation | Standard security which was presented for registration in scotland on the 6TH august 1996 | 1 property | 04/07/1996 | 02/04/2005 | |
| satisfied | Lloyds Banking Group Lloyds Bank PLC | Mortgage | 1 property | 07/07/1987 | 24/12/2002 | |
| satisfied | Lloyds Banking Group Lloyds Bank PLC | Omnibus letter of set off. | 1 property | 01/07/1986 | 24/12/2002 | |
| satisfied | Lloyds Banking Group Lloyds Bank PLC | Legal mortgage | 1 property | 16/04/1986 | 24/12/2002 | |
| satisfied | Lloyds Banking Group Lloyds Bank PLC | Mortgage | 1 property | 05/09/1985 | 24/12/2002 | |
| satisfied | Lloyds Banking Group Lloyds Bank PLC | Mortgage | 1 property | 24/07/1985 | 24/12/2002 | |
| satisfied | Lloyds Banking Group Lloyds Bank PLC | Mortgage | 1 property | 24/07/1985 | 24/12/2002 | |
| satisfied | Lloyds Banking Group Lloyds Bank PLC | Mortgage | 1 property | 24/07/1985 | 24/12/2002 | |
| satisfied | Lloyds Banking Group Lloyds Bank PLC | Mortgage | 1 property | 22/04/1985 | 24/12/2002 | |
| satisfied | Lloyds Banking Group Lloyds Bank PLC | Mortgage | 1 property | 22/04/1985 | 24/12/2002 | |
| satisfied | Lloyds Banking Group Lloyds Bank PLC / Lloyds Bank International Limited | Charge | 1 property | 07/12/1983 | 24/12/2002 |
Click column headers to sort. Use filters above to narrow by status and lender.
Recent filings (457 total)
cessation-of-a-person-with-significant-control
persons-with-significant-control · PSC07
2026-02-10
confirmation-statement-with-no-updates
confirmation-statement · CS01
2025-06-20
accounts-with-accounts-type-full
accounts · AA
2025-06-10
appoint-person-director-company-with-name-date
officers · AP01
2025-02-14
termination-director-company-with-name-termination-date
officers · TM01
2025-02-14
accounts-with-accounts-type-full
accounts · AA
2024-07-04
confirmation-statement-with-no-updates
confirmation-statement · CS01
2024-06-24
notice-of-removal-of-a-director
officers · AP01
2023-08-29
accounts-with-accounts-type-full
accounts · AA
2023-07-05
confirmation-statement-with-no-updates
confirmation-statement · CS01
2023-06-29
termination-director-company-with-name-termination-date
officers · TM01
2023-04-03
appoint-person-director-company-with-name-date
officers · AP01
2023-03-29
change-person-director-company-with-change-date
officers · CH01
2022-10-25
change-person-director-company-with-change-date
officers · CH01
2022-10-25
change-sail-address-company-with-old-address-new-address
address · AD02
2022-10-24