ZURICH ASSURANCE LTD
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
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.
Solid opportunity signal. Worth a dedicated memo and management meeting.
Recent activity
- • 1 confirmation-statement
- • 1 confirmation-statement
- • 1 accounts
- • 1 officers
- • 6 mortgage
- • 1 confirmation-statement
- • 1 accounts
Corporate timeline (263 events)Click to expand
- 2026-04-18📄accounts-with-accounts-type-fullaccounts · AA
- 2026-03-11📄change-person-director-company-with-change-dateofficers · CH01
- 2026-02-11📄cessation-of-a-person-with-significant-controlpersons-with-significant-control · PSC07
- 2026-01-06📄mortgage-create-with-deed-with-charge-number-charge-creation-datemortgage · MR01
- 2026-01-06📄mortgage-create-with-deed-with-charge-number-charge-creation-datemortgage · MR01
- 2026-01-06📄mortgage-create-with-deed-with-charge-number-charge-creation-datemortgage · MR01
- 2026-01-06📄mortgage-satisfy-charge-fullmortgage · MR04
- 2026-01-06📄mortgage-satisfy-charge-fullmortgage · MR04
- 2026-01-06📄mortgage-satisfy-charge-fullmortgage · MR04
- 2026-01-06🔓Charge satisfied #18
- 2026-01-06🔓Charge satisfied #17
- 2026-01-06🔓Charge satisfied #16
- 2026-01-05🔒Charge registered #72Lender: 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)
- 2026-01-05🔒Charge registered #71Lender: The Canada Life Assurance Company, Barbados Branch
- 2026-01-05🔒Charge registered #70Lender: The Canada Life Assurance Company, Barbados Branch
- 2025-11-27📄mortgage-create-with-deed-with-charge-number-charge-creation-datemortgage · MR01
- 2025-11-27📄mortgage-create-with-deed-with-charge-number-charge-creation-datemortgage · MR01
- 2025-11-27📄mortgage-create-with-deed-with-charge-number-charge-creation-datemortgage · MR01
- 2025-11-14🔒Charge registered #69Lender: Metropolitan Life Insurance Company
- 2025-11-14🔒Charge registered #68Lender: Bbc Pension Trust Limited
- 2025-11-14🔒Charge registered #67Lender: Metropolitan Life Insurance Company
- 2025-10-10📄appoint-person-director-company-with-name-dateofficers · AP01
- 2025-10-10📄termination-director-company-with-name-termination-dateofficers · TM01
- 2025-09-25➕DEEKS, Jeremy Spencer appointeddirector
- 2025-09-25➖PICKFORD, Helen Alison resigneddirector
- 2025-04-10📄appoint-person-director-company-with-name-dateofficers · AP01
- 2025-04-10📄termination-director-company-with-name-termination-dateofficers · TM01
- 2025-04-10📄accounts-with-accounts-type-fullaccounts · AA
- 2025-04-01➕JAKSIC, Drazen appointeddirector
- 2025-04-01➖BAILEY, Timothy James resigneddirector
- 2025-02-24📄termination-director-company-with-name-termination-dateofficers · TM01
- 2025-02-24📄appoint-person-director-company-with-name-dateofficers · AP01
- 2025-02-21📄mortgage-create-with-deed-with-charge-number-charge-creation-datemortgage · MR01
- 2025-02-18📄mortgage-create-with-deed-with-charge-number-charge-creation-datemortgage · MR01
- 2025-02-03🔒Charge registered #66Lender: British Airways Pension Trustees Limited
- 2025-02-03🔒Charge registered #65Lender: Metropolitan Tower Life Insurance Company
- 2025-01-22➕ARNOLD, Erica appointeddirector
- 2025-01-22➖TEMES, Julian resigneddirector
- 2024-06-05📄accounts-with-accounts-type-fullaccounts · AA
- 2023-05-31🔒Charge registered #64Lender: The Prudential Insurance Company of America
- 2023-05-31🔒Charge registered #63Lender: Nationwide Pension Fund Trustee Limited as Trustee for and on Behalf of the Nationwide Section of the Nationwide Pension Fund
- 2023-05-31🔒Charge registered #62Lender: Nationwide Pension Fund Trustee Limited as Trustee for and on Behalf of the Nationwide Section of the Nationwide Pension Fund
- 2023-04-06🔒Charge registered #61Lender: Yorkshire and Clydesdale Bank Pension Trustee Limited
- 2023-04-06🔒Charge registered #60Lender: Pacific Life Re International Limited
- 2022-11-23🔒Charge registered #59Lender: Scor SE, UK Branch
- 2022-11-23🔒Charge registered #58Lender: Balfour Beatty Pension Trust Limited (As Trustee of the Balfour Beatty Pension Fund)
- 2022-11-23🔒Charge registered #57Lender: Balfour Beatty Pension Trust Limited (As the Trustee of the Balfour Beatty Pension Fund)
- 2022-07-15🔒Charge registered #55Lender: Santander (UK) Group Pension Scheme Trustees Limited (as Trustee of the Group Section of the Santander (UK) Group Pension Scheme)
- 2022-07-15🔒Charge registered #54Lender: Santander (UK) Group Pension Scheme Trustees Limited (as Trustee of the Amalgamated Section of the Santander (UK) Group Pension Scheme)
- 2022-07-15🔒Charge registered #53Lender: Santander (UK) Group Pension Scheme Trustees Limited (as Trustee of the National and Provincial Section of the Santander (UK) Group Pension Scheme)
Owner dependency
Some founder dependency, but not acute. A structured handover period should cover most risk.
- -8 active directors: Broader management team in place — suggests transferable governance.
- +Founder age: Director aged approximately 72 — succession pressure is live.
Succession & seller-readiness
Multiple signals suggest succession is on the horizon. Candidate for proactive outreach.
- primaryFounder aged 70+: Senior director is approximately 72 years old. Natural succession window is now.
Red flags
2 med · 1 lowHeavy 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
Multiple instances where a charge was satisfied and a new charge created within 6 months. Suggests active refinancing cycle.
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.
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 |
|---|---|---|---|---|
Eagle Star Holdings Limited Corporate entity | 75–100% | 75–100% | board control75-100% shares · 75-100% voting · board control | 06/04/2016 |
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.
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 |
|---|---|---|---|---|---|---|---|
| ABKA LIMITED→ 08902688 · est 2014 · no financials extracted | — | — | — | — | 12y | — | — |
| ALCHEMY INVESTMENT MANAGEMENT→ 13497123 · est 2021 · no financials extracted | — | — | — | — | 4y | — | — |
| ALLEN SALTER WEALTH MANAGEMENT LTD→ 04068038 · est 2000 · no financials extracted | — | — | — | — | 25y | — | — |
| ALLIED WESSEX WESTINSURE LIMITED→ 04489781 · est 2002 · no financials extracted | — | — | — | — | 23y | — | — |
| ANGEL MORTGAGES (SOUTH WEST) LTD→ 15265120 · est 2023 · no financials extracted | — | — | — | — | 2y | — | — |
| ANGUILLA STATION LIMITED→ 16039313 · est 2024 · no financials extracted | — | — | — | — | 1y | — | — |
| ASPIRE COMMERCIAL FINANCE LIMITED→ 09076273 · est 2014 · no financials extracted | — | — | — | — | 11y | — | — |
| ASSET GUARDIAN COMPANY LIMITED→ 03362486 · est 1997 · no financials extracted | — | — | — | — | 28y | — | — |
| BEADVISED LTD→ 10553617 · est 2017 · no financials extracted | — | — | — | — | 9y | — | — |
| BEOWOLF CAPITAL LIMITED→ 11921862 · est 2019 · no financials extracted | — | — | — | — | 7y | — | — |
| BERKLEY PLACE LIMITED→ 15373163 · est 2023 · no financials extracted | — | — | — | — | 2y | — | — |
| BIG HIPPO INVESTMENTS LTD→ 14620742 · est 2023 · no financials extracted | — | — | — | — | 3y | — | — |
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 →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 (9 active · 79 resigned)
Click a director name to see their full track record across all companies.
Mortgages & charges
| Type | Properties | |||||
|---|---|---|---|---|---|---|
| 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 charge | 1 property | 05/01/2026 | — | |
| outstanding | The Canada Life Assurance Company, Barbados Branch | A registered charge | 1 property | 05/01/2026 | — | |
| outstanding | The Canada Life Assurance Company, Barbados Branch | A registered charge | 1 property | 05/01/2026 | — | |
| outstanding | Metropolitan Life Insurance Company | A registered charge | 1 property | 14/11/2025 | — | |
| outstanding | Bbc Pension Trust Bbc Pension Trust Limited | A registered charge | 1 property | 14/11/2025 | — | |
| outstanding | Metropolitan Life Insurance Company | A registered charge | 1 property | 14/11/2025 | — | |
| outstanding | British Airways Pension Trustees / Airways Pension Scheme Trustee British Airways Pension Trustees Limited / Airways Pension Scheme Trustee Limited | A registered charge | 1 property | 03/02/2025 | — | |
| outstanding | Metropolitan Tower Life Insurance Company | A registered charge | 1 property | 03/02/2025 | — | |
| outstanding | The Prudential Insurance Company of America | A registered charge | — | 31/05/2023 | — | |
| 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 charge | — | 31/05/2023 | — | |
| 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 charge | — | 31/05/2023 | — | |
| outstanding | Virgin Money Yorkshire and Clydesdale Bank Pension Trustee Limited | A registered charge | — | 06/04/2023 | — | |
| outstanding | Pacific Life Re International Pacific Life Re International Limited | A registered charge | — | 06/04/2023 | — | |
| outstanding | Scor SE, UK Branch | A registered charge | — | 23/11/2022 | — | |
| 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 charge | — | 23/11/2022 | — | |
| 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 charge | — | 23/11/2022 | — | |
| outstanding | Santander Santander (UK) Group Pension Scheme Trustees Limited (as Trustee of the Group Section of the Santander (UK) Group Pension Scheme) | A registered charge | — | 15/07/2022 | — | |
| outstanding | Santander Santander (UK) Group Pension Scheme Trustees Limited (as Trustee of the Amalgamated Section of the Santander (UK) Group Pension Scheme) | A registered charge | — | 15/07/2022 | — | |
| 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 charge | — | 15/07/2022 | — | |
| outstanding | Santander Santander (UK) Group Pension Scheme Trustees Limited (as Trustee of the Associated Section of the Santander (UK) Group Pension Scheme) | A registered charge | — | 15/07/2022 | — | |
| 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 charge | — | 15/07/2022 | — | |
| outstanding | The Prudential Insurance Company of America | A registered charge | — | 15/07/2022 | — | |
| outstanding | The Prudential Insurance Company of America | A registered charge | — | 15/07/2022 | — | |
| outstanding | The Prudential Insurance Company of America | A registered charge | — | 15/07/2022 | — | |
| outstanding | The Prudential Insurance Company of America | A registered charge | — | 15/07/2022 | — | |
| outstanding | The Prudential Insurance Company of America | A registered charge | — | 15/07/2022 | — | |
| 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 charge | — | 27/06/2022 | — | |
| outstanding | Partner Reinsurance Europe SE | A registered charge | — | 27/06/2022 | — | |
| outstanding | Partner Reinsurance Europe SE | A registered charge | — | 27/06/2022 | — | |
| outstanding | Molson Coors Brewing Company (UK) Pensions Molson Coors Brewing Company (UK) Pensions Limited | A registered charge | — | 27/06/2022 | — | |
| outstanding | Metropolitan Tower Life Insurance Company | A registered charge | — | 16/12/2021 | — | |
| outstanding | Metropolitan Tower Life Insurance Company | A registered charge | — | 16/12/2021 | — | |
| outstanding | Metropolitan Tower Life Insurance Company | A registered charge | — | 16/12/2021 | — | |
| outstanding | Dhl Trustees Dhl Trustees Limited | A registered charge | 1 property | 16/12/2021 | — | |
| outstanding | Dhl Trustees Dhl Trustees LTD | A registered charge | 1 property | 16/12/2021 | — | |
| outstanding | Dhl Trustees Dhl Trustees Limited | A registered charge | 1 property | 16/12/2021 | — | |
| outstanding | Dhl Trustees Dhl Trustees Limited | A registered charge | 1 property | 16/12/2021 | — | |
| outstanding | Dhl Trustees Dhl Trustees Limited | A registered charge | 1 property | 16/12/2021 | — | |
| outstanding | Dhl Trustees Dhl Trustees Limited | A registered charge | 1 property | 16/12/2021 | — | |
| outstanding | Hannover Rück SE | A registered charge | — | 28/10/2021 | — | |
| 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 charge | — | 25/03/2021 | — | |
| 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 charge | — | 25/03/2021 | — | |
| 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 charge | — | 25/03/2021 | — | |
| 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 charge | — | 25/03/2021 | — | |
| 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 charge | — | 25/03/2021 | — | |
| outstanding | The Prudential Insurance Company of America | A registered charge | 1 property | 25/03/2021 | — | |
| outstanding | The Prudential Insurance Company of America | A registered charge | 1 property | 25/03/2021 | — | |
| outstanding | The Prudential Insurance Company of America | A registered charge | 1 property | 25/03/2021 | — | |
| outstanding | The Prudential Insurance Company of America | A registered charge | 1 property | 25/03/2021 | — | |
| outstanding | The Prudential Insurance Company of America | A registered charge | 1 property | 25/03/2021 | — | |
| outstanding | The Canada Life Assurance Company, Acting Through Its Barbados Branch | A registered charge | — | 11/12/2020 | — | |
| outstanding | The Canada Life Assurance Company, Acting Through Its Barbados Branch | A registered charge | — | 11/12/2020 | — | |
| outstanding | Bbc Pension Trust Bbc Pension Trust Limited | A registered charge | 1 property | 11/12/2020 | — | |
| satisfied | Ubs Pension Trustee Company Ubs Pension Trustee Company Limited | A registered charge | 1 property | 04/07/2020 | 06/01/2026 | |
| satisfied | The Canada Life Assurance Company, Acting Through Its Barbados Branch | A registered charge | — | 04/07/2020 | 06/01/2026 | |
| satisfied | The Canada Life Assurance Company, Acting Through Its Barbados Branch | A registered charge | — | 04/07/2020 | 06/01/2026 | |
| outstanding | HSBC Hsbc Trustee (C.I.) Limited | A registered charge | — | 13/12/2019 | — | |
| outstanding | Hannover Rück SE | A registered charge | — | 13/12/2019 | — | |
| outstanding | Scottish Widows Scottish Widows Limited | A registered charge | — | 01/07/2019 | — | |
| outstanding | Pacific Life Re Pacific Life Re Limited | A registered charge | — | 28/04/2017 | — | |
| outstanding | Scor Global Life SE - UK Branch | A registered charge | — | 28/04/2017 | — | |
| satisfied | Zurich Assurance Zurich Assurance LTD | A registered charge | — | 19/05/2016 | 20/10/2016 | |
| outstanding | Muir Homes Muir Homes Limited | A registered charge | 3 properties | 07/08/2014 | — | |
| satisfied | Peter George Bartlett | Legal charge | 2 properties | 28/02/2011 | 19/10/2016 | |
| satisfied | Harringtons Property Services Harringtons Property Services LLP | Rent deposit deed | 1 property | 06/11/2009 | 21/05/2010 | |
| satisfied | North Lanarkshire Council | A standard security presented for registration in scotland on the 16TH february 2005 and | 1 property | 21/12/2004 | 09/01/2008 | |
| satisfied | Du Pont (U.K.) Du Pont (U.K.) Limited | Legal charge | 1 property | 17/06/1999 | 05/07/2019 | |
| satisfied | Bioforce (UK) Bioforce (UK) Limited | Standard security which was presented for registration in scotland on 2ND december 1997 | 1 property | 02/12/1997 | 27/08/2003 | |
| satisfied | Core Technologies Core Technologies Limited | Standard security dated 27TH november 1997 and presented for registration in scotland on 2ND december 1997 | 1 property | 02/12/1997 | 27/08/2003 | |
| outstanding | British Railways Board | Conveyance | 1 property | 16/04/1997 | — | |
| outstanding | British Railways Board | Conveyance | 1 property | 16/04/1997 | — |