ZURICH ASSURANCE LTD

🌳Matureactive
02456671 · ltd · incorporated 1990-01-02
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
70/100
Strong
🔔
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What this business does
Primary activity: Life insurance
Sector: Financial & insurance
Investor take
Pursue
Active trading company with a 72-year-old founder — textbook succession opportunity.

Opportunity 70/100 (strong), bankability 57/100. Strong seller-intent signal (63/100, director aged 72). Biggest value-creation lever: Consolidate lender relationships. 45 distinct lenders creates friction — refinance into single-lender structure for cleaner diligence. Most likely exit: strategic trade sale (48/100).

🏦

Refinance opportunity

71 live charges · 44 lenders · oldest 29.1y

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 29.1 years old — likely at or near maturity.
  • · 44 lenders named — inter-creditor friction likely.
  • · Legal-friction score 63/100 (high).

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
0
Lenders & charges
71 charges (71/71 with lender, 71/71 with type)
90
Directors & officers
88 officers (9 active, 88 linked, 74 with DOB)
87
Ownership & PSC
1 active PSC(s) of 2 total, 2 with control declared
90
Director network
6 connected companies via shared directors
63
Filing history
492 filings on record
85
Gazette notices
No matching gazette notices (standard for active companies)
60
Opportunity Score
70/100Strong
PassWatchWorth a lookStrongExceptional 

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

Business quality
60
Adequate — check latest filings for context.
Acquirability
70
Strong succession / seller-readiness signals.
Risk profile
66
Some moderate concerns — review flags.
Signal strength
100
Good data coverage for analysis.

Recent activity

Last 30 days
1
filing
  • 1 confirmation-statement
Last 90 days
3
filings
  • 1 confirmation-statement
  • 1 accounts
  • 1 officers
Last 180 days
10
filings
  • 6 mortgage
  • 1 confirmation-statement
  • 1 accounts
Counts from Companies House filing history.
Corporate timeline (263 events)Click to expand
  1. 2026-04-18
    📄
    accounts-with-accounts-type-full
    accounts · AA
  2. 2026-03-11
    📄
    change-person-director-company-with-change-date
    officers · CH01
  3. 2026-02-11
    📄
    cessation-of-a-person-with-significant-control
    persons-with-significant-control · PSC07
  4. 2026-01-06
    📄
    mortgage-create-with-deed-with-charge-number-charge-creation-date
    mortgage · MR01
  5. 2026-01-06
    📄
    mortgage-create-with-deed-with-charge-number-charge-creation-date
    mortgage · MR01
  6. 2026-01-06
    📄
    mortgage-create-with-deed-with-charge-number-charge-creation-date
    mortgage · MR01
  7. 2026-01-06
    📄
    mortgage-satisfy-charge-full
    mortgage · MR04
  8. 2026-01-06
    📄
    mortgage-satisfy-charge-full
    mortgage · MR04
  9. 2026-01-06
    📄
    mortgage-satisfy-charge-full
    mortgage · MR04
  10. 2026-01-06
    🔓
    Charge satisfied #18
  11. 2026-01-06
    🔓
    Charge satisfied #17
  12. 2026-01-06
    🔓
    Charge satisfied #16
  13. 2026-01-05
    🔒
    Charge registered #72
    Lender: Independent Trustee Services Limited (Acting in Its Capacity as Trustee of the Credit Suisse Group (UK) Pension Fund in Respect of the Ubs Section of that Fund)
  14. 2026-01-05
    🔒
    Charge registered #71
    Lender: The Canada Life Assurance Company, Barbados Branch
  15. 2026-01-05
    🔒
    Charge registered #70
    Lender: The Canada Life Assurance Company, Barbados Branch
  16. 2025-11-27
    📄
    mortgage-create-with-deed-with-charge-number-charge-creation-date
    mortgage · MR01
  17. 2025-11-27
    📄
    mortgage-create-with-deed-with-charge-number-charge-creation-date
    mortgage · MR01
  18. 2025-11-27
    📄
    mortgage-create-with-deed-with-charge-number-charge-creation-date
    mortgage · MR01
  19. 2025-11-14
    🔒
    Charge registered #69
    Lender: Metropolitan Life Insurance Company
  20. 2025-11-14
    🔒
    Charge registered #68
    Lender: Bbc Pension Trust Limited
  21. 2025-11-14
    🔒
    Charge registered #67
    Lender: Metropolitan Life Insurance Company
  22. 2025-10-10
    📄
    appoint-person-director-company-with-name-date
    officers · AP01
  23. 2025-10-10
    📄
    termination-director-company-with-name-termination-date
    officers · TM01
  24. 2025-09-25
    DEEKS, Jeremy Spencer appointed
    director
  25. 2025-09-25
    PICKFORD, Helen Alison resigned
    director
  26. 2025-04-10
    📄
    appoint-person-director-company-with-name-date
    officers · AP01
  27. 2025-04-10
    📄
    termination-director-company-with-name-termination-date
    officers · TM01
  28. 2025-04-10
    📄
    accounts-with-accounts-type-full
    accounts · AA
  29. 2025-04-01
    JAKSIC, Drazen appointed
    director
  30. 2025-04-01
    BAILEY, Timothy James resigned
    director
  31. 2025-02-24
    📄
    termination-director-company-with-name-termination-date
    officers · TM01
  32. 2025-02-24
    📄
    appoint-person-director-company-with-name-date
    officers · AP01
  33. 2025-02-21
    📄
    mortgage-create-with-deed-with-charge-number-charge-creation-date
    mortgage · MR01
  34. 2025-02-18
    📄
    mortgage-create-with-deed-with-charge-number-charge-creation-date
    mortgage · MR01
  35. 2025-02-03
    🔒
    Charge registered #66
    Lender: British Airways Pension Trustees Limited
  36. 2025-02-03
    🔒
    Charge registered #65
    Lender: Metropolitan Tower Life Insurance Company
  37. 2025-01-22
    ARNOLD, Erica appointed
    director
  38. 2025-01-22
    TEMES, Julian resigned
    director
  39. 2024-06-05
    📄
    accounts-with-accounts-type-full
    accounts · AA
  40. 2023-05-31
    🔒
    Charge registered #64
    Lender: The Prudential Insurance Company of America
  41. 2023-05-31
    🔒
    Charge registered #63
    Lender: Nationwide Pension Fund Trustee Limited as Trustee for and on Behalf of the Nationwide Section of the Nationwide Pension Fund
  42. 2023-05-31
    🔒
    Charge registered #62
    Lender: Nationwide Pension Fund Trustee Limited as Trustee for and on Behalf of the Nationwide Section of the Nationwide Pension Fund
  43. 2023-04-06
    🔒
    Charge registered #61
    Lender: Yorkshire and Clydesdale Bank Pension Trustee Limited
  44. 2023-04-06
    🔒
    Charge registered #60
    Lender: Pacific Life Re International Limited
  45. 2022-11-23
    🔒
    Charge registered #59
    Lender: Scor SE, UK Branch
  46. 2022-11-23
    🔒
    Charge registered #58
    Lender: Balfour Beatty Pension Trust Limited (As Trustee of the Balfour Beatty Pension Fund)
  47. 2022-11-23
    🔒
    Charge registered #57
    Lender: Balfour Beatty Pension Trust Limited (As the Trustee of the Balfour Beatty Pension Fund)
  48. 2022-07-15
    🔒
    Charge registered #55
    Lender: Santander (UK) Group Pension Scheme Trustees Limited (as Trustee of the Group Section of the Santander (UK) Group Pension Scheme)
  49. 2022-07-15
    🔒
    Charge registered #54
    Lender: Santander (UK) Group Pension Scheme Trustees Limited (as Trustee of the Amalgamated Section of the Santander (UK) Group Pension Scheme)
  50. 2022-07-15
    🔒
    Charge registered #53
    Lender: Santander (UK) Group Pension Scheme Trustees Limited (as Trustee of the National and Provincial Section of the Santander (UK) Group Pension Scheme)
Showing most recent 50 of 263 events

Owner dependency

55/100
Moderate — manageable with handover

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

FACTORS
  • -8 active directors: Broader management team in place — suggests transferable governance.
  • +Founder age: Director aged approximately 72 — 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 72 years old. Natural succession window is now.

Red flags

2 med · 1 low
6 new charges in last 12 months
medium

Heavy recent charge activity can indicate refinancing pressure, aggressive leverage, or multiple lender rotation.

Evidence: 2026-01-05: A registered charge; 2026-01-05: A registered charge; 2026-01-05: A registered charge

Charge satisfaction-then-recreation pattern
medium

Multiple instances where a charge was satisfied and a new charge created within 6 months. Suggests active refinancing cycle.

61 live charges
low

Heavily leveraged with multiple live security positions — understand the capital structure before proceeding.

Group structure

Eagle Star Holdings Limited is the ultimate parent — holding 75%+ shares. This company sits inside their group.

🏛️
Eagle Star Holdings Limited
Corporate parent · holds 75-100% shares · board control
ultimate parent
ZURICH ASSURANCE LTD
This company · 02456671

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%
NameSharesVoting rightsNature of controlNotified
Eagle Star Holdings Limited
Corporate entity
75100%
75–100%board control75-100% shares · 75-100% voting · board control06/04/2016
1 historic (ceased) PSC
  • Eagle Star Holdings 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 →

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🔒Tailored diligence questions

9 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
Incorporated1990-01-02
Jurisdictionengland-wales
Primary SIC65110 — Life insurance

Registered office

Unity Place
1 Carfax Close
Swindon
Wiltshire
SN1 1AP
United Kingdom

Filing status

Accounts
Next due: 2027-09-30
Last made up to: 2025-12-31
Confirmation statement
Next due: 2027-05-15
Last: 2026-05-01

Officers (9 active · 79 resigned)

ZURICH CORPORATE SECRETARY (UK) LIMITED
corporate-secretary · appointed 2014-02-20
View their other companies + combined net worth →
Active
ARNOLD, Erica
director · ~54y · appointed 2025-01-22
View their other companies + combined net worth →
Active
BISHOP, Paul
director · ~72y · appointed 2019-03-08
View their other companies + combined net worth →
Active
DEEKS, Jeremy Spencer
director · ~56y · appointed 2025-09-25
View their other companies + combined net worth →
Active
JAKSIC, Drazen
director · ~59y · appointed 2025-04-01
View their other companies + combined net worth →
Active
KOSLOWSKI, Alexander Rudolf Dieter
director · ~55y · appointed 2020-11-09
View their other companies + combined net worth →
Active
LAUDER, Heather Louise
director · ~58y · appointed 2021-09-15
View their other companies + combined net worth →
Active
PLATT, Jane Christine
director · ~69y · appointed 2019-10-01
View their other companies + combined net worth →
Active
SHAW, Penelope Margaret
director · ~51y · appointed 2022-06-09
View their other companies + combined net worth →
Active
BLUNDELL, Ann Claire
secretary · appointed 2012-06-27 · resigned 2014-02-20
Resigned
BUSSON, Alan Paul
secretary · appointed 2005-12-05 · resigned 2006-09-28
Resigned
COMFORT, Malcolm Denys
secretary · appointed 1994-06-27 · resigned 1996-05-15
Resigned
GALE, Karen
secretary · appointed 2013-12-20 · resigned 2014-02-20
Resigned
HOWE, Peter Charles
secretary · appointed 1998-12-31 · resigned 2004-06-24
Resigned
LANCASTER, David Arthur
secretary · resigned 1993-09-22
Resigned
LOWE, Nigel
secretary · appointed 2005-04-14 · resigned 2013-06-30
Resigned
MEACHAM, Jayne Michelle
secretary · appointed 2006-11-22 · resigned 2008-05-02
Resigned
OLISA HOLDING, Lily
secretary · appointed 2004-06-24 · resigned 2005-04-14
Resigned
RITCHIE, Ian
secretary · appointed 2013-05-16 · resigned 2014-02-20
Resigned
ROSS, Corina Katherine
secretary · appointed 2008-10-17 · resigned 2013-07-25
Resigned

Click a director name to see their full track record across all companies.

Mortgages & charges

71
Total charges
61
Outstanding
26
Active lenders
Status:Lender:71 of 71 shown
TypeProperties
outstanding
Independent Trustee Services (Acting in Its Capacity as Trustee of the Credit Suisse Group (UK) Pension Fund in Respect of the Ubs Section of that Fund)
Independent Trustee Services Limited (Acting in Its Capacity as Trustee of the Credit Suisse Group (UK) Pension Fund in Respect of the Ubs Section of that Fund)
A registered charge1 property05/01/2026
outstanding
The Canada Life Assurance Company, Barbados Branch
A registered charge1 property05/01/2026
outstanding
The Canada Life Assurance Company, Barbados Branch
A registered charge1 property05/01/2026
outstanding
Metropolitan Life Insurance Company
A registered charge1 property14/11/2025
outstanding
Bbc Pension Trust
Bbc Pension Trust Limited
A registered charge1 property14/11/2025
outstanding
Metropolitan Life Insurance Company
A registered charge1 property14/11/2025
outstanding
British Airways Pension Trustees / Airways Pension Scheme Trustee
British Airways Pension Trustees Limited / Airways Pension Scheme Trustee Limited
A registered charge1 property03/02/2025
outstanding
Metropolitan Tower Life Insurance Company
A registered charge1 property03/02/2025
outstanding
The Prudential Insurance Company of America
A registered charge31/05/2023
outstanding
Nationwide Pension Fund Trustee as Trustee for and on Behalf of the Nationwide Section of the Nationwide Pension Fund
Nationwide Pension Fund Trustee Limited as Trustee for and on Behalf of the Nationwide Section of the Nationwide Pension Fund
A registered charge31/05/2023
outstanding
Nationwide Pension Fund Trustee as Trustee for and on Behalf of the Nationwide Section of the Nationwide Pension Fund
Nationwide Pension Fund Trustee Limited as Trustee for and on Behalf of the Nationwide Section of the Nationwide Pension Fund
A registered charge31/05/2023
outstanding
Virgin Money
Yorkshire and Clydesdale Bank Pension Trustee Limited
A registered charge06/04/2023
outstanding
Pacific Life Re International
Pacific Life Re International Limited
A registered charge06/04/2023
outstanding
Scor SE, UK Branch
A registered charge23/11/2022
outstanding
Balfour Beatty Pension Trust (As Trustee of the Balfour Beatty Pension Fund)
Balfour Beatty Pension Trust Limited (As Trustee of the Balfour Beatty Pension Fund)
A registered charge23/11/2022
outstanding
Balfour Beatty Pension Trust (As the Trustee of the Balfour Beatty Pension Fund)
Balfour Beatty Pension Trust Limited (As the Trustee of the Balfour Beatty Pension Fund)
A registered charge23/11/2022
outstanding
Santander
Santander (UK) Group Pension Scheme Trustees Limited (as Trustee of the Group Section of the Santander (UK) Group Pension Scheme)
A registered charge15/07/2022
outstanding
Santander
Santander (UK) Group Pension Scheme Trustees Limited (as Trustee of the Amalgamated Section of the Santander (UK) Group Pension Scheme)
A registered charge15/07/2022
outstanding
Santander
Santander (UK) Group Pension Scheme Trustees Limited (as Trustee of the National and Provincial Section of the Santander (UK) Group Pension Scheme)
A registered charge15/07/2022
outstanding
Santander
Santander (UK) Group Pension Scheme Trustees Limited (as Trustee of the Associated Section of the Santander (UK) Group Pension Scheme)
A registered charge15/07/2022
outstanding
Santander
Santander (UK) Group Pension Scheme Trustees Limited (as Trustee of the Alliance and Leicester Section of the Santander (UK) Group Pension Scheme)
A registered charge15/07/2022
outstanding
The Prudential Insurance Company of America
A registered charge15/07/2022
outstanding
The Prudential Insurance Company of America
A registered charge15/07/2022
outstanding
The Prudential Insurance Company of America
A registered charge15/07/2022
outstanding
The Prudential Insurance Company of America
A registered charge15/07/2022
outstanding
The Prudential Insurance Company of America
A registered charge15/07/2022
outstanding
Molson Coors Brewing Company (UK) Pensions Acting in Its Capacity as Trustee for and on Behalf of Molson Coors (UK) Pension Plan
Molson Coors Brewing Company (UK) Pensions Limited Acting in Its Capacity as Trustee for and on Behalf of Molson Coors (UK) Pension Plan
A registered charge27/06/2022
outstanding
Partner Reinsurance Europe SE
A registered charge27/06/2022
outstanding
Partner Reinsurance Europe SE
A registered charge27/06/2022
outstanding
Molson Coors Brewing Company (UK) Pensions
Molson Coors Brewing Company (UK) Pensions Limited
A registered charge27/06/2022
outstanding
Metropolitan Tower Life Insurance Company
A registered charge16/12/2021
outstanding
Metropolitan Tower Life Insurance Company
A registered charge16/12/2021
outstanding
Metropolitan Tower Life Insurance Company
A registered charge16/12/2021
outstanding
Dhl Trustees
Dhl Trustees Limited
A registered charge1 property16/12/2021
outstanding
Dhl Trustees
Dhl Trustees LTD
A registered charge1 property16/12/2021
outstanding
Dhl Trustees
Dhl Trustees Limited
A registered charge1 property16/12/2021
outstanding
Dhl Trustees
Dhl Trustees Limited
A registered charge1 property16/12/2021
outstanding
Dhl Trustees
Dhl Trustees Limited
A registered charge1 property16/12/2021
outstanding
Dhl Trustees
Dhl Trustees Limited
A registered charge1 property16/12/2021
outstanding
Hannover Rück SE
A registered charge28/10/2021
outstanding
Santander
Santander (UK) Group Pension Scheme Trustees Limited (as Trustee for and on Behalf of the Alliance and Leicester Section of the Santander (UK) Group Pension Scheme)
A registered charge25/03/2021
outstanding
Santander
Santander (UK) Group Pension Scheme Trustees Limited (as Trustee for and on Behalf of the Group Section of the Santander (UK) Group Pension Scheme)
A registered charge25/03/2021
outstanding
Santander
Santander (UK) Group Pension Scheme Trustees Limited (as Trustee for and on Behalf of the Associated Section of the Santander (UK) Group Pension Scheme)
A registered charge25/03/2021
outstanding
Santander
Santander (UK) Group Pension Scheme Trustees Limited (as Trustee for and on Behalf of the National and Provincial Section of the Santander (UK) Group Pension Scheme)
A registered charge25/03/2021
outstanding
Santander
Santander (UK) Group Pension Scheme Trustees Limited (as Trustee for and on Behalf of the Amalgamated Section of the Santander (UK) Group Pension Scheme)
A registered charge25/03/2021
outstanding
The Prudential Insurance Company of America
A registered charge1 property25/03/2021
outstanding
The Prudential Insurance Company of America
A registered charge1 property25/03/2021
outstanding
The Prudential Insurance Company of America
A registered charge1 property25/03/2021
outstanding
The Prudential Insurance Company of America
A registered charge1 property25/03/2021
outstanding
The Prudential Insurance Company of America
A registered charge1 property25/03/2021
outstanding
The Canada Life Assurance Company, Acting Through Its Barbados Branch
A registered charge11/12/2020
outstanding
The Canada Life Assurance Company, Acting Through Its Barbados Branch
A registered charge11/12/2020
outstanding
Bbc Pension Trust
Bbc Pension Trust Limited
A registered charge1 property11/12/2020
satisfied
Ubs Pension Trustee Company
Ubs Pension Trustee Company Limited
A registered charge1 property04/07/202006/01/2026
satisfied
The Canada Life Assurance Company, Acting Through Its Barbados Branch
A registered charge04/07/202006/01/2026
satisfied
The Canada Life Assurance Company, Acting Through Its Barbados Branch
A registered charge04/07/202006/01/2026
outstanding
HSBC
Hsbc Trustee (C.I.) Limited
A registered charge13/12/2019
outstanding
Hannover Rück SE
A registered charge13/12/2019
outstanding
Scottish Widows
Scottish Widows Limited
A registered charge01/07/2019
outstanding
Pacific Life Re
Pacific Life Re Limited
A registered charge28/04/2017
outstanding
Scor Global Life SE - UK Branch
A registered charge28/04/2017
satisfied
Zurich Assurance
Zurich Assurance LTD
A registered charge19/05/201620/10/2016
outstanding
Muir Homes
Muir Homes Limited
A registered charge3 properties07/08/2014
satisfied
Peter George Bartlett
Legal charge2 properties28/02/201119/10/2016
satisfied
Harringtons Property Services
Harringtons Property Services LLP
Rent deposit deed1 property06/11/200921/05/2010
satisfied
North Lanarkshire Council
A standard security presented for registration in scotland on the 16TH february 2005 and1 property21/12/200409/01/2008
satisfied
Du Pont (U.K.)
Du Pont (U.K.) Limited
Legal charge1 property17/06/199905/07/2019
satisfied
Bioforce (UK)
Bioforce (UK) Limited
Standard security which was presented for registration in scotland on 2ND december 19971 property02/12/199727/08/2003
satisfied
Core Technologies
Core Technologies Limited
Standard security dated 27TH november 1997 and presented for registration in scotland on 2ND december 19971 property02/12/199727/08/2003
outstanding
British Railways Board
Conveyance1 property16/04/1997
outstanding
British Railways Board
Conveyance1 property16/04/1997
Click column headers to sort. Use filters above to narrow by status and lender.

Recent filings (492 total)

confirmation-statement-with-no-updates
confirmation-statement · CS01
2026-05-15
accounts-with-accounts-type-full
accounts · AA
2026-04-18
change-person-director-company-with-change-date
officers · CH01
2026-03-11
cessation-of-a-person-with-significant-control
persons-with-significant-control · PSC07
2026-02-11
mortgage-create-with-deed-with-charge-number-charge-creation-date
mortgage · MR01
2026-01-06
mortgage-create-with-deed-with-charge-number-charge-creation-date
mortgage · MR01
2026-01-06
mortgage-create-with-deed-with-charge-number-charge-creation-date
mortgage · MR01
2026-01-06
mortgage-satisfy-charge-full
mortgage · MR04
2026-01-06
mortgage-satisfy-charge-full
mortgage · MR04
2026-01-06
mortgage-satisfy-charge-full
mortgage · MR04
2026-01-06
mortgage-create-with-deed-with-charge-number-charge-creation-date
mortgage · MR01
2025-11-27
mortgage-create-with-deed-with-charge-number-charge-creation-date
mortgage · MR01
2025-11-27
mortgage-create-with-deed-with-charge-number-charge-creation-date
mortgage · MR01
2025-11-27
appoint-person-director-company-with-name-date
officers · AP01
2025-10-10
termination-director-company-with-name-termination-date
officers · TM01
2025-10-10