AVIVA INVESTORS PENSIONS LIMITED
Opportunity 34/100 (pass), bankability 22/100. High owner-dependency — earn-out structure likely required for clean transition. Asset purchase likely safer than share purchase given structural signals. Biggest value-creation lever: File overdue accounts. Clears statutory overdue flag — immediate bankability uplift for refinance conversations. Most likely exit: asset disposal / carve-out (90/100). Current lenders should be on immediate intervention.
Refinance opportunity
16 live charges · 14 lenders · oldest 21.8y
Structure is too messy for a clean refinance right now — clean up first or expect bespoke terms.
- · Oldest live charge is 21.8 years old — likely at or near maturity.
- · 14 lenders named — inter-creditor friction likely.
- · Legal-friction score 73/100 (specialist).
Data confidence
Overall: medium (61/100)Adequate coverage. AI outputs are reliable for the sections scored high; verify the rest in diligence.
Clear signal to pass. Time better spent elsewhere unless you have a specific strategic angle.
Recent activity
- • 4 officers
- • 2 address
- • 2 insolvency
Corporate timeline (182 events)Click to expand
- 2026-02-26📍change-sail-address-company-with-old-address-new-addressaddress · AD02
- 2026-02-23📍change-registered-office-address-company-with-date-old-address-new-addressaddress · AD01
- 2026-02-23📄resolutionresolution · RESOLUTIONS
- 2026-02-23⚠️liquidation-voluntary-appointment-of-liquidatorinsolvency · 600
- 2026-02-23⚠️liquidation-voluntary-declaration-of-solvencyinsolvency · LIQ01
- 2026-02-16📄termination-director-company-with-name-termination-dateofficers · TM01
- 2026-02-16📄termination-director-company-with-name-termination-dateofficers · TM01
- 2026-02-16📄appoint-person-director-company-with-name-dateofficers · AP01
- 2026-02-16📄appoint-person-director-company-with-name-dateofficers · AP01
- 2026-02-15➕CALLAGHAN, Lee Patrick appointeddirector
- 2026-02-15➕FLETCHER, Catriona Ann appointeddirector
- 2026-02-15➖COSGROVE, Nigel Robert resigneddirector
- 2026-02-15➖PEARCE, Iain Anthony resigneddirector
- 2025-11-21📄legacycapital · SH20
- 2025-11-21📄capital-statement-capital-company-with-date-currency-figurecapital · SH19
- 2025-11-21⚠️legacyinsolvency · CAP-SS
- 2025-11-21📄resolutionresolution · RESOLUTIONS
- 2025-04-05📄mortgage-satisfy-charge-fullmortgage · MR04
- 2025-04-05📄mortgage-satisfy-charge-fullmortgage · MR04
- 2025-04-05📄mortgage-satisfy-charge-fullmortgage · MR04
- 2025-04-05🔓Charge satisfied #15
- 2025-04-05🔓Charge satisfied #4
- 2025-04-05🔓Charge satisfied #2
- 2024-10-09📄accounts-with-accounts-type-fullaccounts · AA
- 2024-10-07📍change-sail-address-company-with-old-address-new-addressaddress · AD02
- 2024-07-12📄auditors-resignation-companyauditors · AUD
- 2024-05-09📄mortgage-satisfy-charge-fullmortgage · MR04
- 2024-05-09🔓Charge satisfied #5
- 2024-04-17📄termination-director-company-with-name-termination-dateofficers · TM01
- 2024-04-16➖CRASTON, Michael David Thomas resigneddirector
- 2024-04-03📄appoint-person-director-company-with-name-dateofficers · AP01
- 2024-04-02📄termination-director-company-with-name-termination-dateofficers · TM01
- 2024-04-01➕PEARCE, Iain Anthony appointeddirector
- 2024-03-31➖HOWARD, Thomas Patrick resigneddirector
- 2024-03-28📄change-to-a-person-with-significant-controlpersons-with-significant-control · PSC05
- 2024-03-20🔓Charge satisfied #1
- 2024-02-27🔓Charge satisfied #16
- 2023-12-31➖DHALIWAL, Kiran Sidhu resigneddirector
- 2023-12-16🔓Charge satisfied #3
- 2022-09-13🔓Charge satisfied #7
- 2022-06-21🔓Charge satisfied #13
- 2022-06-01➕DHALIWAL, Kiran Sidhu appointeddirector
- 2022-05-12🔓Charge satisfied #12
- 2022-02-28🔓Charge satisfied #8
- 2022-02-11🔓Charge satisfied #6
- 2022-02-04🔓Charge satisfied #10
- 2021-11-26🔓Charge satisfied #14
- 2021-06-30➖ATKINSON, Matthew Adam resigneddirector
- 2021-06-17➖JONES, Christopher Adam resigneddirector
- 2021-01-25➕HOWARD, Thomas Patrick appointeddirector
Owner dependency
Material founder dependency. Consider a 2-3 year earn-out and build in a handover plan before completion.
- +Two-director setup: Only two active directors — typical of owner-managed SMEs but limits succession.
- +Senior director age: Director aged approximately 62 — approaching natural succession window.
Succession & seller-readiness
Some succession indicators present. Worth watching; approach if sector/strategy fits.
- secondaryFounder aged 58+: Senior director is approximately 62. Early succession window.
- secondaryTwo-director governance: Small-team governance. Succession depth is thin but not absent.
Red flags
4 high · 2 med · 1 lowStatutory accounts have not been filed by their due date. Can indicate admin breakdown, cash preservation, or deliberate delay.
Evidence: Next due: 2026-03-31
Annual confirmation statement not filed on time. Required statutory filing — overdue is a strong discipline signal.
Evidence: Next due: 2026-03-24
Company is actively being wound up. Not a going concern.
Filings relating to insolvency, liquidation, or administration exist in the company's history. Review before proceeding.
Evidence: 2026-02-23: liquidation-voluntary-appointment-of-liquidator; 2026-02-23: liquidation-voluntary-declaration-of-solvency
Multiple recent departures can indicate governance disagreement, succession event, or preparation for sale/stress.
Evidence: COSGROVE, Nigel Robert resigned 2026-02-15; PEARCE, Iain Anthony resigned 2026-02-15
Multiple instances where a charge was satisfied and a new charge created within 6 months. Suggests active refinancing cycle.
Multiple address changes in a short period can indicate operational instability or admin disorder.
Group structure
Aviva Investors Holdings Limited is the ultimate parent — holding 75%+ shares. This company sits inside their group.
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 Investors Holdings 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.
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 · M postcode area| Company | Est. value | Turnover | Net worth | Staff | Age | Opp | Director |
|---|---|---|---|---|---|---|---|
| AEC CONSULTANCY LIMITED→ 16221763 · est 2025 · no financials extracted | — | — | — | — | 1y | — | — |
| AIRSWIFT TRUSTEES LIMITED→ 12449892 · est 2020 · no financials extracted | — | — | — | — | 6y | — | — |
| AJ BELL DIGITAL SAVINGS LIMITED→ 11180432 · est 2018 · no financials extracted | — | — | — | — | 8y | — | — |
| AJIS CAPITAL LIMITED→ 07675547 · est 2011 · no financials extracted | — | — | — | — | 14y | — | — |
| AKBANI FINANCIAL LTD→ 13021559 · est 2020 · no financials extracted | — | — | — | — | 5y | — | — |
| AKS BROKER LIMITED→ 16416973 · est 2025 · no financials extracted | — | — | — | — | — | — | — |
| ALBIAN GROUP LTD→ 17038815 · est 2026 · no financials extracted | — | — | — | — | — | — | — |
| ALDO MARK SERVICES LIMITED→ 11139295 · est 2018 · no financials extracted | — | — | — | — | 8y | — | — |
| ALI BROTHERS GROUP LTD→ 16391962 · est 2025 · no financials extracted | — | — | — | — | 1y | — | — |
| ALIF GLOBAL LTD→ 14926991 · est 2023 · no financials extracted | — | — | — | — | 2y | — | — |
| ALISA INVESTMENTS LIMITED→ 00563224 · est 1956 · no financials extracted | — | — | — | — | 70y | — | — |
| ALSARAYEFI FOR REAL ESTATE AND DEVELOPMENT LTD→ 16224426 · est 2025 · no financials extracted | — | — | — | — | 1y | — | — |
11 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 →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
Registered office
Filing status
Officers (3 active · 64 resigned)
Click a director name to see their full track record across all companies.
Mortgages & charges
| Type | Properties | |||||
|---|---|---|---|---|---|---|
| satisfied | Scottish Widows Scottish Widows Limited | A registered charge | — | 27/08/2020 | 27/02/2024 | |
| satisfied | Aviva Life & Pensions UK Aviva Life & Pensions UK Limited | A registered charge | — | 13/12/2016 | 05/04/2025 | |
| satisfied | Zurich Assurance Zurich Assurance LTD | A registered charge | — | 01/11/2016 | 26/11/2021 | |
| satisfied | Friends Life and Pensions Friends Life and Pensions Limited | A registered charge | — | 18/08/2016 | 21/06/2022 | |
| satisfied | Legal and General Assurance (Pension Management) Legal and General Assurance (Pension Management) Limited | A registered charge | — | 01/02/2016 | 12/05/2022 | |
| satisfied | Friends Life and Pensions Friends Life and Pensions Limited | Deed of charge | 1 property | 14/02/2013 | 20/09/2016 | |
| satisfied | Blackrock Life Blackrock Life Limited | Deed of charge | 1 property | 01/05/2012 | 04/02/2022 | |
| satisfied | Zurich Assurance Zurich Assurance LTD | Deed of charge | 1 property | 05/12/2011 | 11/07/2016 | |
| satisfied | Axa Sun Life Axa Sun Life PLC | Deed of charge | 1 property | 17/01/2011 | 28/02/2022 | |
| satisfied | Threadneedle Pensions Threadneedle Pensions Limited | Deed of charge | 1 property | 09/11/2010 | 13/09/2022 | |
| satisfied | Standard Life Investment Funds Standard Life Investment Funds Limited | Deed of charge | 1 property | 01/08/2006 | 11/02/2022 | |
| satisfied | Standard Life Assurance Company | Deed of charge | 1 property | 07/12/2005 | 09/05/2024 | |
| satisfied | Investment Solutions Investment Solutions Limited | Deed of charge | 1 property | 21/10/2005 | 05/04/2025 | |
| satisfied | Skandia Life Assurance Company Skandia Life Assurance Company Limited | Charge | 1 property | 13/09/2005 | 16/12/2023 | |
| satisfied | HSBC Hsbc Life (UK) Limited (the Reinsured) | Charge | 1 property | 16/11/2004 | 05/04/2025 | |
| satisfied | Winterthur Pension Funds UK Winterthur Pension Funds UK Limited | Deed of charge | 1 property | 03/09/2004 | 20/03/2024 |