COVÉA LIFE LIMITED

🌳Matureactive

00911235 · ltd · incorporated 1967-07-21

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.

Opportunity decay

approaching window · 12-months

Approaching a transaction window — refinance or sale event plausible in the next 12 months.

· Oldest live charge 17.3y old — refinance window within 12 months

🔒Estimated value

—

Upgrade to see

Turnover

—

not disclosed

Net worth

—

book net assets

Opportunity

77/100

Strong

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What this business does

Primary activity: Life insurance

Sector: Financial & insurance

Investor take

Pursue

Active trading company with a 73-year-old founder — textbook succession opportunity.

Opportunity 77/100 (strong), bankability 85/100. Strong seller-intent signal (63/100, director aged 73). Share purchase looks the cleaner deal structure. Most likely exit: strategic trade sale (73/100).

🏦

Refinance opportunity

1 live charge · oldest 17.3y

65/100

clean up first

Refinance viable after a tidy-up — address the highlighted items first.

· Oldest live charge is 17.3 years old — likely at or near maturity.
· Single lender — cleanest path to refinance.
· Legal-friction score 28/100 — workable, but lender will want more DD.

Data confidence

Overall: medium (59/100)

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

1 charges (1/1 with lender, 1/1 with type)

Directors & officers

68 officers (12 active, 68 linked, 57 with DOB)

Ownership & PSC

1 active PSC(s) of 2 total, 2 with control declared

Director network

6 connected companies via shared directors

Filing history

272 filings on record

Gazette notices

No matching gazette notices (standard for active companies)

Opportunity Score

77/100Strong

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

100

Good data coverage for analysis.

Recent activity

Last 30 days

filing

• 1 officers

Last 90 days

filings

• 7 officers

Last 180 days

filings

• 8 officers
• 1 confirmation-statement

Counts from Companies House filing history.

Corporate timeline (144 events)Click to expand

2026-06-01
➕
CARRAUD, Laure Anne Lucie appointed
director
2026-06-01
📄
appoint-person-director-company-with-name-date
officers · AP01
2026-04-21
📄
termination-director-company-with-name-termination-date
officers · TM01
2026-04-20
📄
appoint-person-director-company-with-name-date
officers · AP01
2026-04-16
📄
appoint-person-director-company-with-name-date
officers · AP01
2026-04-02
📄
termination-director-company-with-name-termination-date
officers · TM01
2026-04-01
➕
SEKHRI, Louride appointed
director
2026-04-01
📄
termination-director-company-with-name-termination-date
officers · TM01
2026-03-31
➕
DOMART, Philippe appointed
director
2026-03-31
➖
DALE, Jane Elizabeth resigned
director
2026-03-31
➖
FERRARI, Claire resigned
director
2026-03-31
➖
MOREAU, Nicolas resigned
director
2026-03-23
➕
MCKINLAY, Heather Roberta appointed
director
2026-03-23
📄
appoint-person-director-company-with-name-date
officers · AP01
2026-01-15
📄
appoint-person-director-company-with-name-date
officers · AP01
2026-01-08
➕
SALELLES, Pascal Philippe appointed
director
2025-10-06
📄
termination-director-company-with-name-termination-date
officers · TM01
2025-09-15
➖
BROOKE, Nicolas resigned
director
2025-06-05
📄
change-person-director-company-with-change-date
officers · CH01
2025-05-13
📄
accounts-with-accounts-type-full
accounts · AA
2024-09-20
📄
accounts-with-accounts-type-full
accounts · AA
2024-01-24
📄
termination-secretary-company-with-name-termination-date
officers · TM02
2024-01-24
📄
termination-director-company-with-name-termination-date
officers · TM01
2024-01-18
📄
appoint-person-director-company-with-name-date
officers · AP01
2024-01-08
📄
appoint-person-director-company-with-name-date
officers · AP01
2024-01-08
📄
appoint-person-director-company-with-name-date
officers · AP01
2024-01-02
➕
SOUANCE, Emeric De appointed
director
2024-01-02
➕
BROOKE, Nicolas appointed
director
2024-01-02
➕
FERRARI, Claire appointed
director
2024-01-02
➖
FRANCQ, Thierry Pierre resigned
director
2023-12-08
➖
ROBINSON, Sarah resigned
secretary
2023-12-05
➕
LAWRY, Rebecca appointed
secretary
2023-12-05
📄
appoint-person-secretary-company-with-name-date
officers · AP03
2023-11-20
📄
appoint-person-director-company-with-name-date
officers · AP01
2023-11-15
📄
termination-director-company-with-name-termination-date
officers · TM01
2023-11-06
➕
EDDIS, Jonathan Lancelot appointed
director
2023-10-31
➖
CLARKE, Stephen Andrew resigned
director
2023-10-20
📄
termination-director-company-with-name-termination-date
officers · TM01
2023-10-16
➖
ALLEN, John Peter Clarkson resigned
director
2023-10-06
📄
appoint-person-director-company-with-name-date
officers · AP01
2023-10-03
➕
HERDMAN, Jeffrey Niven appointed
director
2023-08-01
➕
ROBINSON, Sarah appointed
secretary
2023-07-28
➖
WILSON, Annabel Felicity resigned
secretary
2023-06-15
➖
FURNESS, Adrian Charles resigned
director
2023-06-15
➕
MOREAU, Nicolas appointed
director
2023-05-09
➕
MACEDO, Georges De appointed
director
2023-05-05
➕
BUCCHINI, Francois appointed
director
2023-01-31
➕
ALLEN, John Peter Clarkson appointed
director
2023-01-31
➖
CAPLAN, Nicholas Michael resigned
director
2023-01-31
➖
MICHEL, Pierre Albert Jean resigned
director

Showing most recent 50 of 144 events

Owner dependency

55/100

Moderate — manageable with handover

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

FACTORS

-11 active directors: Broader management team in place — suggests transferable governance.
+Founder age: Director aged approximately 73 — succession pressure is live.

Succession & seller-readiness

60/100

Strong succession signal

Multiple signals suggest succession is on the horizon. Candidate for proactive outreach.

SIGNALS

primaryFounder aged 70+: Senior director is approximately 73 years old. Natural succession window is now.

Red flags

1 med ·

4 director resignations in last 12 months

medium

Multiple recent departures can indicate governance disagreement, succession event, or preparation for sale/stress.

Evidence: BROOKE, Nicolas resigned 2025-09-15; DALE, Jane Elizabeth resigned 2026-03-31; FERRARI, Claire resigned 2026-03-31

Group structure

Mma Holdings Uk Plc is the ultimate parent — holding 75%+ shares. This company sits inside their group.

🏛️

Mma Holdings Uk Plc

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

ultimate parent

⬇

COVÉA LIFE LIMITED

This company · 00911235

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
Mma Holdings Uk Plc Corporate entity	75–100%	75–100%	board control75-100% shares · 75-100% voting · board control	11/02/2019

1 historic (ceased) PSC

Covea Insurance Services Limitedceased 11/02/2019· 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 →

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ECKERSLEY PROPERTIES LIMITED→ 16995614 · est 2026 · no financials extracted	—	—	—	—	—	—	—
EFFECTIVE PENSION MANAGEMENT LIMITED→ 07584055 · est 2011 · no financials extracted	—	—	—	—	15y	—	—
ELMET INVESTMENTS→ 10126652 · est 2016 · no financials extracted	—	—	—	—	10y	—	—
ESW AUDIT SERVICES LIMITED→ 08507551 · est 2013 · no financials extracted	—	—	—	—	12y	—	—
EVERY STEP FINANCIAL SERVICES LTD→ 14345536 · est 2022 · no financials extracted	—	—	—	—	3y	—	—
FIGTREE FINANCIAL LIMITED→ 12612148 · est 2020 · no financials extracted	—	—	—	—	5y	—	—
FIRST RETAIL FINANCE (CHESTER) LTD→ 02964970 · est 1994 · no financials extracted	—	—	—	—	31y	—	—
FOREX TRADING WORLD LIMITED→ 06669915 · est 2008 · no financials extracted	—	—	—	—	17y	—	—
FORTRESS MANAGEMENT SERVICES (UK) LIMITED→ 03805421 · est 1999 · no financials extracted	—	—	—	—	26y	—	—
FORTRESS TRUSTEE SERVICES LIMITED→ 06882625 · est 2009 · no financials extracted	—	—	—	—	16y	—	—

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 →

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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

Incorporated1967-07-21

Jurisdictionengland-wales

Primary SIC65110 — Life insurance

Registered office

A&B Mills

Dean Clough

Halifax

HX3 5AX

United Kingdom

Filing status

Accounts

Next due: 2026-09-30

Last made up to: 2024-12-31

Confirmation statement

Next due: 2026-12-19

Last: 2025-12-05