AIB PENSIONS UK LIMITED

🌳Matureactive

02692868 · ltd · incorporated 1992-03-02

Investment thesis

Well-run mature business — low negotiation leverage; premium likely.

Why interesting: Textbook target; clean filings, stable trading.

Why risky: No pressure on seller; any deal likely at full price.

Opportunity decay

approaching window · 12-months

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

· Oldest live charge 9.4y old — refinance window within 12 months

🔒Estimated value

—

Upgrade to see

Turnover

—

year to Dec 2024

Net worth

—

book net assets

Opportunity

83/100

Exceptional

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What this business does

Primary activity: Other service activities n.e.c.

Sector: Other service activities

Investor take

Pursue

Active trading company with a 77-year-old founder — textbook succession opportunity.

Opportunity 83/100 (exceptional), bankability 80/100. Strong seller-intent signal (63/100, director aged 77). Share purchase looks the cleaner deal structure. Most likely exit: share sale to pe / searcher (65/100).

🏦

Refinance opportunity

1 live charge · oldest 9.4y

85/100

ready

Refinance conversation should be productive — structure clean and timing right.

· Oldest live charge is 9.4 years old — likely at or near maturity.
· Single lender — cleanest path to refinance.
· Legal-friction score 20/100 — clean.

Data confidence

Overall: medium (78/100)

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

2 years of iXBRL accounts extracted (YoY deltas available) + narrative notes parsed

Lenders & charges

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

Directors & officers

42 officers (7 active, 42 linked, 34 with DOB)

Ownership & PSC

3 active PSC(s) of 3 total, 3 with control declared

Director network

Network not yet resolved

Filing history

177 filings on record

Gazette notices

No matching gazette notices (standard for active companies)

Opportunity Score

83/100Exceptional

PassWatchWorth a lookStrongExceptional

Strong composite across quality, acquirability, and risk. High-priority target — progress to serious diligence.

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.

Key financials

2 years extracted from filed iXBRL accounts

Cash

—

Net Worth

—

Current Assets

—

Current Liabilities

—

Hover to see exact values · click legend to toggle series

Financials

Extracted from Companies House accounts · FRS 102

Metric	2024-12-31	2023-12-31

Amounts extracted automatically from iXBRL. Fields left blank were not reported or not mapped. Values in GBP unless stated.

Recent activity

Last 30 days

filings

Last 90 days

filings

• 2 confirmation-statement

Last 180 days

filings

• 2 confirmation-statement

Counts from Companies House filing history.

Corporate timeline (97 events)Click to expand

2025-08-01
📄
accounts-with-accounts-type-dormant
accounts · AA
2025-04-30
📄
appoint-person-director-company-with-name-date
officers · AP01
2025-04-01
➕
CRANMER, Eleanor appointed
director
2024-08-12
📄
termination-director-company-with-name-termination-date
officers · TM01
2024-08-07
➖
MARRON, Claire resigned
director
2024-07-31
📄
accounts-with-accounts-type-dormant
accounts · AA
2024-07-02
📄
appoint-person-secretary-company-with-name-date
officers · AP03
2024-07-02
📍
change-registered-office-address-company-with-date-old-address-new-address
address · AD01
2024-06-07
➕
INSIDE PENSIONS, Zedra appointed
secretary
2023-09-22
📄
accounts-with-accounts-type-dormant
accounts · AA
2023-09-19
📄
second-filing-of-director-termination-with-name
officers · RP04TM01
2023-09-05
📄
termination-director-company-with-name-termination-date
officers · TM01
2023-08-02
➖
O'CONNOR, Gerard Patrick resigned
director
2022-11-17
📄
termination-director-company-with-name-termination-date
officers · TM01
2022-11-14
➖
LESTER, Christopher Peter resigned
director
2022-10-13
📄
appoint-person-director-company-with-name-date
officers · AP01
2022-10-10
📄
termination-secretary-company-with-name-termination-date
officers · TM02
2022-09-28
➕
MCKNIGHT, Claire appointed
director
2022-09-07
📄
accounts-with-accounts-type-dormant
accounts · AA
2022-06-30
➖
ELLIOTT, Andrew resigned
secretary
2022-03-31
📄
appoint-person-director-company-with-name-date
officers · AP01
2022-03-23
➕
MARRON, Claire appointed
director
2022-01-26
📄
termination-director-company-with-name-termination-date
officers · TM01
2022-01-25
➖
MURPHY, Noel Francis resigned
director
2021-10-11
📄
termination-director-company-with-name-termination-date
officers · TM01
2021-09-30
➖
BELL, Robin David resigned
director
2021-08-18
📄
accounts-with-accounts-type-dormant
accounts · AA
2021-03-15
📄
appoint-person-director-company-with-name-date
officers · AP01
2021-03-10
➕
RUTLEDGE, Robert appointed
director
2019-12-23
➕
ELLIOTT, Andrew appointed
secretary
2019-12-22
➖
WHITTAKER, Beryl resigned
secretary
2018-06-30
➖
MCAULEY, Sharon Patricia resigned
director
2016-12-22
🔒
Charge registered #1
Lender: Legal and General Assurance Society Limited
2015-03-12
➖
MAGEE, Joseph William resigned
director
2014-08-01
➕
WORRALL, Rohan David appointed
director
2010-12-31
➖
RYAN, Pat resigned
director
2010-04-15
➕
BANNON, Norbert appointed
director
2010-04-12
➖
BOULCOTT, Simon Peter resigned
director
2010-02-01
➕
LESTER, Christopher Peter appointed
director
2008-12-11
➕
O'KANE, John Henry appointed
director
2008-09-26
➖
MCGOWAN, Joseph James Gerard resigned
director
2008-03-12
➖
DOYLE, Anthony Michael resigned
secretary
2008-03-12
➕
WHITTAKER, Beryl appointed
secretary
2008-03-12
➕
O'CONNOR, Gerard Patrick appointed
director
2008-02-13
➖
MULCAHY, Joan Geraldine resigned
director
2007-03-12
➕
MCAULEY, Sharon Patricia appointed
director
2006-12-31
➖
MCKEON, Aidan resigned
director
2006-01-05
➕
BOULCOTT, Simon Peter appointed
director
2005-12-09
➕
MCGOWAN, Joseph James Gerard appointed
director
2005-12-09
➕
RYAN, Pat appointed
director

Showing most recent 50 of 97 events

Owner dependency

65/100

High — earn-out structure required

Material founder dependency. Consider a 2-3 year earn-out and build in a handover plan before completion.

FACTORS

-6 active directors: Broader management team in place — suggests transferable governance.
+Long-tenure founder: Senior director has been in place 17 years — deep operational knowledge concentrated in one person.
+Founder age: Director aged approximately 77 — succession pressure is live.

Succession & seller-readiness

73/100

Strong succession signal

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

SIGNALS

primaryFounder aged 70+: Senior director is approximately 77 years old. Natural succession window is now.
secondary12+ year tenure: Director in role 17 years.
supportingClean filings + long tenure: Disciplined long-tenure operator — classic lifestyle-business pattern that often sells quietly.

Red flags

clean

No red flags detected from available public data. (This is not a clean bill of health — detailed accounts review still recommended.)

Group structure

2 corporate shareholders identified. Group structure is distributed.

🏛️

Allied Irish Banks P.L.C.

Corporate parent · board control

🏛️

Aib Group (Uk) Plc

Corporate parent · holds 50-75% shares

majority

⬇

AIB PENSIONS UK LIMITED

This company · 02692868

Parent relationships inferred from Persons with Significant Control filings. Full subsidiary tree requires reverse-lookup (coming).

Shareholders & ownership

3 active beneficial owners

Name	Shares	Voting rights	Nature of control	Notified
Aib Group (Uk) Plc Corporate entity	50–75%	—	50-75% shares	06/04/2016
Mr Norbert Bannon Individual · Irish · DOB 04/1949 · age 77	25–50%	—	25-50% shares	06/04/2016
Allied Irish Banks P.L.C. Corporate entity	—	—	board controlboard control	06/04/2016

From Companies House Persons with Significant Control filings. Share ranges are banded per the public PSC regime.

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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.

Available from the Pro tier upwards.

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Company details

Statusactive

Typeltd

Incorporated1992-03-02

Jurisdictionengland-wales

Primary SIC96090 — Other service activities n.e.c.

Registered office

Trident House Third Floor

Victoria Street

St Albans

Herts

AL1 3HZ

England

Filing status

Accounts

Next due: 2026-09-30

Last made up to: 2024-12-31

Confirmation statement

Next due: 2027-03-16

Last: 2026-03-02