AVIVA PLC
🌳Matureactive
02468686 · plc · incorporated 1990-02-09
Investment thesis
Looks cheap but ownership + security both unclear — probable value trap.
Why interesting: Headline metrics may be attractive.
Why risky: No PSC visibility combined with multiple live charges; transacting likely slow and expensive.
Why now
Window steady · low confidence
Stable recent picture — watch for any upcoming trigger event.
Opportunity decay
approaching window · 12-months
Approaching a transaction window — refinance or sale event plausible in the next 12 months.
- · Oldest live charge 20.6y old — refinance window within 12 months
What changed my view
Last 30 days
No material changes in the last 30 days.
Last 90 days
No snapshot from 90 days ago — start tracking from today.
Last 180 days
No snapshot from 180 days ago — start tracking from today.
🔒Estimated value
—
Upgrade to see
Turnover
—
not disclosed
Net worth
—
book net assets
Opportunity
79/100
Strong
What this business does
Primary activity: Activities of head offices
Sector: Professional, scientific & technical
Investor take
PursueActive trading company with a 78-year-old founder — textbook succession opportunity.
Opportunity 79/100 (strong), bankability 75/100. Strong seller-intent signal (63/100, director aged 78). Share purchase looks the cleaner deal structure. Biggest value-creation lever: Discharge stale live charges. 1 live charge(s) created 15+ years ago — likely paid but undischarged. Clean register. Most likely exit: share sale to pe / searcher (65/100).
🏦
Refinance opportunity
3 live charges · 2 lenders · oldest 20.6y
50/100
clean up first
Refinance viable after a tidy-up — address the highlighted items first.
- · Oldest live charge is 20.6 years old — likely at or near maturity.
- · Two lenders — manageable, but coordination required.
- · Legal-friction score 38/100 — workable, but lender will want more DD.
Data confidence
Overall: low (53/100)Sparse data coverage. Treat AI-generated outputs as preliminary. Manual diligence essential.
Company profile
address, 1 SIC codes, incorporation date
100
Financials
No iXBRL financials extracted
0
Lenders & charges
3 charges (3/3 with lender, 3/3 with type)
90
Directors & officers
89 officers (14 active, 89 linked, 82 with DOB)
88
Ownership & PSC
No PSCs filed (unusual — worth investigating)
35
Director network
13 connected companies via shared directors
84
Filing history
6107 filings on record
85
Gazette notices
No matching gazette notices (standard for active companies)
60
Opportunity Score
79/100Strong
PassWatchWorth a lookStrongExceptional
Solid opportunity signal. Worth a dedicated memo and management meeting.
Business quality
70
Active, clean filings, stable charge profile.
Acquirability
70
Strong succession / seller-readiness signals.
Risk profile
85
Few red flags.
Signal strength
100
Good data coverage for analysis.
Recent activity
Last 30 days
6
filings
- • 6 capital
Last 90 days
25
filings
- • 20 capital
- • 1 confirmation-statement
- • 1 officers
Last 180 days
25
filings
- • 20 capital
- • 1 confirmation-statement
- • 1 officers
Counts from Companies House filing history.
Corporate timeline (184 events)Click to expand
- 2026-07-09📄capital-cancellation-sharescapital · SH06
- 2026-07-09📄capital-cancellation-sharescapital · SH06
- 2026-07-09📄capital-return-purchase-own-sharescapital · SH03
- 2026-07-08📄capital-cancellation-sharescapital · SH06
- 2026-06-25📄capital-return-purchase-own-sharescapital · SH03
- 2026-06-20📄capital-return-purchase-own-sharescapital · SH03
- 2026-06-10📄capital-cancellation-sharescapital · SH06
- 2026-06-05📄change-person-director-company-with-change-dateofficers · CH01
- 2026-06-04📄capital-allotment-sharescapital · SH01
- 2026-05-30📄resolutionresolution · RESOLUTIONS
- 2026-05-30📄memorandum-articlesincorporation · MA
- 2026-05-29📄capital-cancellation-sharescapital · SH06
- 2026-05-29📄capital-return-purchase-own-sharescapital · SH03
- 2026-05-18📄capital-cancellation-sharescapital · SH06
- 2026-05-18📄capital-cancellation-sharescapital · SH06
- 2026-05-18📄accounts-with-accounts-type-groupaccounts · AA
- 2026-05-18📄capital-cancellation-sharescapital · SH06
- 2026-05-18📄capital-cancellation-sharescapital · SH06
- 2026-05-18📄capital-return-purchase-own-sharescapital · SH03
- 2026-05-18📄capital-return-purchase-own-sharescapital · SH03
- 2026-05-18📄capital-return-purchase-own-sharescapital · SH03
- 2026-05-12📄capital-allotment-sharescapital · SH01
- 2026-04-13📄capital-cancellation-sharescapital · SH06
- 2026-04-13📄capital-return-purchase-own-sharescapital · SH03
- 2024-06-17➕MORRISON, Thomas Neil appointeddirector
- 2024-05-21➕AGIUS, Cheryl Margaret appointeddirector
- 2024-04-16➖CRASTON, Michael David Thomas resigneddirector
- 2024-03-11➕CLARK, Ian Edward appointeddirector
- 2024-03-11➖STROBEL, Martin resigneddirector
- 2024-02-26➖BYE, Karina Jane resignedsecretary
- 2024-01-08➕KUCZYNSKA, Susan Margaret appointedsecretary
- 2023-12-31➕BYE, Karina Jane appointedsecretary
- 2023-12-31➖COOPER, Kirstine Ann resignedsecretary
- 2022-09-05➕JONES, Charlotte Claire appointeddirector
- 2022-05-17➕CRASTON, Michael David Thomas appointeddirector
- 2022-05-09➖CROSS, Patricia Anne resigneddirector
- 2022-05-09➖ROMANA GARCIA, Belen resigneddirector
- 2022-05-09➖WINDSOR, Jason Michael resigneddirector
- 2022-02-21➕BLANCE, Andrea Margaret appointeddirector
- 2021-12-20➕JEMMETT-PAGE, Shonaid Christina Ross appointeddirector
- 2021-10-22➕STROBEL, Martin appointeddirector
- 2021-01-01➕LAMBERT, Philippa appointeddirector
- 2020-12-01➕JOSHI, Mohit appointeddirector
- 2020-12-01➕MCCONVILLE, James appointeddirector
- 2020-07-06➖TULLOCH, Maurice Ewen resigneddirector
- 2020-05-31➖MONTAGUE, Adrian Alastair, Sir resigneddirector
- 2020-01-02➕BLANC, Amanda Jayne appointeddirector
- 2019-12-31➖ARNEY, Claudia Isobel resigneddirector
- 2019-12-31➖BARKER, Glyn resigneddirector
- 2019-09-26➕WINDSOR, Jason Michael appointeddirector
Showing most recent 50 of 184 events
Owner dependency
55/100
Moderate — manageable with handoverSome founder dependency, but not acute. A structured handover period should cover most risk.
FACTORS
- -13 active directors: Broader management team in place — suggests transferable governance.
- +Founder age: Director aged approximately 78 — succession pressure is live.
Succession & seller-readiness
73/100
Strong succession signalMultiple signals suggest succession is on the horizon. Candidate for proactive outreach.
SIGNALS
- primaryFounder aged 70+: Senior director is approximately 78 years old. Natural succession window is now.
- secondary12+ year tenure: Director in role 13 years.
- supportingClean filings + long tenure: Disciplined long-tenure operator — classic lifestyle-business pattern that often sells quietly.
Red flags
cleanNo red flags detected from available public data. (This is not a clean bill of health — detailed accounts review still recommended.)
🔒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 · Professional services · EC postcode area| Company | Est. value | Turnover | Net worth | Staff | Age | Opp | Director |
|---|---|---|---|---|---|---|---|
| AH CELTIC CONSULTANCY LTD→ 16892921 · est 2025 · no financials extracted | — | — | — | — | — | — | — |
| AK GLOBAL EMPIRE LTD→ 16674054 · est 2025 · no financials extracted | — | — | — | — | — | — | — |
| AK VETERINARY SERVICES LTD→ 15554837 · est 2024 · no financials extracted | — | — | — | — | 2y | — | — |
| AKADEMIA PROFILE LTD→ 14615301 · est 2023 · no financials extracted | — | — | — | — | 3y | — | — |
| AKAN ADVISORY LIMITED→ 15183628 · est 2023 · no financials extracted | — | — | — | — | 2y | — | — |
| AKB PARTNERS LIMITED→ 13929727 · est 2022 · no financials extracted | — | — | — | — | 4y | — | — |
| AKER CONSULTING LIMITED→ 09445467 · est 2015 · no financials extracted | — | — | — | — | 11y | — | — |
| AKESO & COMPANY LIMITED→ 08382731 · est 2013 · no financials extracted | — | — | — | — | 13y | — | — |
| AKETA LTD→ 16097171 · est 2024 · no financials extracted | — | — | — | — | 1y | — | — |
| AKHILLEUS LIMITED→ 11421435 · est 2018 · no financials extracted | — | — | — | — | 7y | — | — |
| AKI LABORATORIES LIMITED→ 14904443 · est 2023 · no financials extracted | — | — | — | — | 2y | — | — |
| AKIN BUSINESS CONSTRUCTS LTD→ 11615947 · est 2018 · no financials extracted | — | — | — | — | 7y | — | — |
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
Incorporated1990-02-09
Jurisdictionengland-wales
Primary SIC70100 — Activities of head offices
Registered office
80 Fenchurch Street
London
EC3M 4AE
United Kingdom
Filing status
Accounts
Next due: 2027-06-30
Last made up to: 2025-12-31
Confirmation statement
Next due: 2027-06-24
Last: 2026-06-10
Officers (14 active · 75 resigned)
KUCZYNSKA, Susan Margaret→
Activesecretary · appointed 2024-01-08
View their other companies + combined net worth →
AGIUS, Cheryl Margaret→
Activedirector · ~55y · appointed 2024-05-21
View their other companies + combined net worth →
BLANC, Amanda Jayne→
Activedirector · ~59y · appointed 2020-01-02
View their other companies + combined net worth →
BLANCE, Andrea Margaret→
Activedirector · ~62y · appointed 2022-02-21
View their other companies + combined net worth →
CLARK, Ian Edward→
Activedirector · ~66y · appointed 2024-03-11
View their other companies + combined net worth →
CULMER, Mark George→
Activedirector · ~64y · appointed 2019-09-25
View their other companies + combined net worth →
FLYNN, Patrick Gerard→
Activedirector · ~66y · appointed 2019-07-16
View their other companies + combined net worth →
JEMMETT-PAGE, Shonaid Christina Ross→
Activedirector · ~66y · appointed 2021-12-20
View their other companies + combined net worth →
JONES, Charlotte Claire→
Activedirector · ~58y · appointed 2022-09-05
View their other companies + combined net worth →
JOSHI, Mohit→
Activedirector · ~52y · appointed 2020-12-01
View their other companies + combined net worth →
LAMBERT, Philippa→
Activedirector · ~57y · appointed 2021-01-01
View their other companies + combined net worth →
MCCONVILLE, James→
Activedirector · ~70y · appointed 2020-12-01
View their other companies + combined net worth →
MIRE, Michael Philip→
Activedirector · ~78y · appointed 2013-09-12
View their other companies + combined net worth →
MORRISON, Thomas Neil→
Activedirector · ~62y · appointed 2024-06-17
View their other companies + combined net worth →
BYE, Karina Jane→
Resignedsecretary · appointed 2023-12-31 · resigned 2024-02-26
COOPER, Kirstine Ann→
Resignedsecretary · appointed 2010-12-22 · resigned 2023-12-31
FIROOZAN, Sarah→
Resignedsecretary · appointed 1994-10-01 · resigned 1998-02-28
GRANT, Keith Nigel→
Resignedsecretary · resigned 1998-06-02
JONES, Edward Graham→
Resignedsecretary · appointed 2007-08-08 · resigned 2010-12-22
WHITAKER, Richard Andrew→
Resignedsecretary · appointed 1998-06-02 · resigned 2007-08-08
Click a director name to see their full track record across all companies.
Mortgages & charges
3
Total charges
2
Outstanding
1
Active lenders
Status:Lender:3 of 3 shown
| Type | Properties | |||||
|---|---|---|---|---|---|---|
| outstanding | General Accident General Accident PLC | A registered charge | 1 property | 15/04/2013 | — | |
| outstanding | General Accident General Accident PLC | Charge over shares | 1 property | 20/12/2005 | — | |
| satisfied | Norwich Union Norwich Union Limited | Charge over shares | 1 property | 12/12/2005 | 16/04/2013 |
Click column headers to sort. Use filters above to narrow by status and lender.
Recent filings (6107 total)
capital-cancellation-shares
capital · SH06
2026-07-09
capital-cancellation-shares
capital · SH06
2026-07-09
capital-return-purchase-own-shares
capital · SH03
2026-07-09
capital-cancellation-shares
capital · SH06
2026-07-08
capital-return-purchase-own-shares
capital · SH03
2026-06-25
capital-return-purchase-own-shares
capital · SH03
2026-06-20
confirmation-statement-with-no-updates
confirmation-statement · CS01
2026-06-10
capital-cancellation-shares
capital · SH06
2026-06-10
change-person-director-company-with-change-date
officers · CH01
2026-06-05
capital-allotment-shares
capital · SH01
2026-06-04
resolution
resolution · RESOLUTIONS
2026-05-30
memorandum-articles
incorporation · MA
2026-05-30
capital-cancellation-shares
capital · SH06
2026-05-29
capital-return-purchase-own-shares
capital · SH03
2026-05-29
capital-cancellation-shares
capital · SH06
2026-05-18