AVIVA LIFE & PENSIONS UK LIMITED
Opportunity 73/100 (strong), bankability 57/100. Strong seller-intent signal (63/100, director aged 70). Biggest value-creation lever: Consolidate lender relationships. 52 distinct lenders creates friction — refinance into single-lender structure for cleaner diligence. Most likely exit: strategic trade sale (48/100).
Refinance opportunity
90 live charges · 49 lenders · oldest 28.7y
Structure is too messy for a clean refinance right now — clean up first or expect bespoke terms.
- · Oldest live charge is 28.7 years old — likely at or near maturity.
- · 49 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 accounts
- • 1 accounts
- • 1 accounts
Corporate timeline (323 events)Click to expand
- 2026-04-18📄accounts-with-accounts-type-fullaccounts · AA
- 2025-08-11📄termination-director-company-with-name-termination-dateofficers · TM01
- 2025-08-01➖KELLARD, Michael John resigneddirector
- 2025-04-04📄accounts-with-accounts-type-fullaccounts · AA
- 2024-11-08📄mortgage-satisfy-charge-fullmortgage · MR04
- 2024-11-08📄mortgage-satisfy-charge-fullmortgage · MR04
- 2024-11-08🔓Charge satisfied #55
- 2024-11-08🔓Charge satisfied #54
- 2024-11-07📄mortgage-create-with-deed-with-charge-number-charge-creation-datemortgage · MR01
- 2024-11-07🔒Charge registered #91Lender: Zurich Assurance LTD
- 2024-11-04📄mortgage-create-with-deed-with-charge-number-charge-creation-datemortgage · MR01
- 2024-10-30🔒Charge registered #90Lender: Deutsche Bank Ag
- 2024-10-22📄appoint-person-director-company-with-name-dateofficers · AP01
- 2024-10-18➕MURPHY, Michael Anthony appointeddirector
- 2024-08-05📄mortgage-create-with-deed-with-charge-number-charge-creation-datemortgage · MR01
- 2024-07-25🔒Charge registered #89Lender: Scor SE - UK Branch
- 2024-07-05📄auditors-resignation-companyauditors · AUD
- 2024-05-22📄termination-director-company-with-name-termination-dateofficers · TM01
- 2024-05-16➖AGIUS, Cheryl Margaret resigneddirector
- 2024-04-15📄accounts-with-accounts-type-fullaccounts · AA
- 2024-04-11📄termination-director-company-with-name-termination-dateofficers · TM01
- 2024-04-11📄termination-director-company-with-name-termination-dateofficers · TM01
- 2024-04-11📄appoint-person-director-company-with-name-dateofficers · AP01
- 2024-04-11📄appoint-person-director-company-with-name-dateofficers · AP01
- 2024-04-08📄capital-allotment-sharescapital · SH01
- 2024-04-03📄change-corporate-secretary-company-with-change-dateofficers · CH04
- 2024-04-01➕DINWIDDIE, Andrew Maitland appointeddirector
- 2024-04-01➕PARKES, Adrian Roger appointeddirector
- 2024-04-01➖JONES, Charlotte Claire resigneddirector
- 2024-04-01➖PEARCE, Iain Anthony resigneddirector
- 2024-03-04📄appoint-person-director-company-with-name-dateofficers · AP01
- 2024-02-23➕KELLARD, Michael John appointeddirector
- 2024-02-16📄change-person-director-company-with-change-dateofficers · CH01
- 2024-02-14📄change-person-director-company-with-change-dateofficers · CH01
- 2023-12-12🔒Charge registered #88Lender: Deutsche Bank Ag
- 2023-12-12🔒Charge registered #87Lender: Deutsche Bank Ag
- 2023-08-30➖TRICKETT, Stephen Paul resigneddirector
- 2023-06-15🔒Charge registered #86Lender: J.P. Morgan Securities Llc
- 2023-03-28➖HOWE, Robert William Albert resigneddirector
- 2023-01-31🔓Charge satisfied #61
- 2023-01-24🔒Charge registered #85Lender: Utmost International Isle of Man Limited
- 2023-01-01➕CURTIS, Jane Elizabeth Mary appointeddirector
- 2022-09-05➕JONES, Charlotte Claire appointeddirector
- 2022-06-30➖CARVILL, Mel Gerard resigneddirector
- 2022-05-20➖WINDSOR, Jason Michael resigneddirector
- 2022-04-27➕MCCONVILLE, James appointeddirector
- 2021-12-29🔒Charge registered #84Lender: Rga International Reinsurance Company Dac, Acting Through Its UK Branch
- 2021-09-15🔒Charge registered #83Lender: Rga Americas Reinsurance Company, LTD
- 2021-09-15🔒Charge registered #82Lender: Rga International Reinsurance Company Dac, Acting Through Its UK Branch
- 2021-09-01🔒Charge registered #81Lender: Bnp Paribas
Owner dependency
Some founder dependency, but not acute. A structured handover period should cover most risk.
- -7 active directors: Broader management team in place — suggests transferable governance.
- +Founder age: Director aged approximately 70 — 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 70 years old. Natural succession window is now.
Red flags
1 med · 1 lowMultiple 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
Aviva Life Holdings Uk 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 Life Holdings Uk 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
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|---|---|---|---|---|---|---|---|
| ALEGRA STRATEGIC LIMITED→ 12386188 · est 2020 · no financials extracted | — | — | — | — | 6y | — | — |
| ALTIUS IFA LIMITED→ 16310462 · est 2025 · no financials extracted | — | — | — | — | 1y | — | — |
| AMDINE LTD→ 08820148 · est 2013 · no financials extracted | — | — | — | — | 12y | — | — |
| ANDERSON BROWN (WHITBY) LTD→ 04302436 · est 2001 · no financials extracted | — | — | — | — | 24y | — | — |
| ANYWAY VENTURES LIMITED→ 16318119 · est 2025 · no financials extracted | — | — | — | — | 1y | — | — |
| APH INVESTMENT COMPANY LIMITED→ 16206936 · est 2025 · no financials extracted | — | — | — | — | 1y | — | — |
| ARDENT IFA LIMITED→ 06014584 · est 2006 · no financials extracted | — | — | — | — | 19y | — | — |
| ASKHAM BRYAN INVESTMENTS LIMITED→ 14042592 · est 2022 · no financials extracted | — | — | — | — | 4y | — | — |
| AUTUS LIFETIME PLANNING LIMITED→ 08813223 · est 2013 · no financials extracted | — | — | — | — | 12y | — | — |
| AVIVA ERFA 15 UK LIMITED→ 06518135 · est 2008 · no financials extracted | — | — | — | — | 18y | — | — |
| AVIVA INVESTMENT SOLUTIONS UK LIMITED→ 06389025 · est 2007 · no financials extracted | — | — | — | — | 18y | — | — |
| AVIVA LIFE INVESTMENTS INTERNATIONAL (GENERAL PARTNER) LIMITED→ 07019488 · est 2009 · no financials extracted | — | — | — | — | 16y | — | — |
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 (8 active · 79 resigned)
Click a director name to see their full track record across all companies.
Mortgages & charges
| Type | Properties | |||||
|---|---|---|---|---|---|---|
| outstanding | Zurich Assurance Zurich Assurance LTD | A registered charge | — | 07/11/2024 | — | |
| outstanding | Deutsche Bank Ag | A registered charge | 1 property | 30/10/2024 | — | |
| outstanding | Scor SE - UK Branch | A registered charge | — | 25/07/2024 | — | |
| outstanding | Deutsche Bank Ag | A registered charge | 1 property | 12/12/2023 | — | |
| outstanding | Deutsche Bank Ag | A registered charge | 1 property | 12/12/2023 | — | |
| outstanding | J.P. Morgan Securities J.P. Morgan Securities Llc | A registered charge | — | 15/06/2023 | — | |
| outstanding | Utmost International Isle of Man Utmost International Isle of Man Limited | A registered charge | — | 24/01/2023 | — | |
| outstanding | Rga International Reinsurance Company Dac, Acting Through Its UK Branch | A registered charge | — | 29/12/2021 | — | |
| outstanding | Rga Americas Reinsurance Company, Rga Americas Reinsurance Company, LTD | A registered charge | — | 15/09/2021 | — | |
| outstanding | Rga International Reinsurance Company Dac, Acting Through Its UK Branch | A registered charge | — | 15/09/2021 | — | |
| outstanding | Bnp Paribas | A registered charge | — | 01/09/2021 | — | |
| outstanding | Bnp Paribas | A registered charge | — | 01/09/2021 | — | |
| outstanding | Bnp Paribas | A registered charge | — | 01/09/2021 | — | |
| outstanding | Bnp Paribas | A registered charge | — | 01/09/2021 | — | |
| outstanding | Goldman Sachs International | A registered charge | 1 property | 01/09/2021 | — | |
| outstanding | Goldman Sachs International | A registered charge | 1 property | 01/09/2021 | — | |
| outstanding | Metropolitan Tower Life Insurance Company | A registered charge | — | 18/08/2021 | — | |
| outstanding | Aviva International Insurance Aviva International Insurance Limited | A registered charge | — | 26/06/2020 | — | |
| outstanding | Rga Global Reinsurance Company, . Rga Global Reinsurance Company, LTD. | A registered charge | — | 27/02/2020 | — | |
| outstanding | Rga Reinsurance Company | A registered charge | — | 27/02/2020 | — | |
| outstanding | Rga International Reinsurance Company Dac, Acting Through Its UK Branch | A registered charge | — | 27/02/2020 | — | |
| outstanding | Royal Bank of Canada Insurance Company Royal Bank of Canada Insurance Company LTD | A registered charge | — | 21/11/2019 | — | |
| outstanding | Partner Reinsurance Europe SE | A registered charge | — | 21/11/2019 | — | |
| outstanding | Friends First Life Assurance Company Designated Activity Company | A registered charge | 1 property | 29/03/2019 | — | |
| outstanding | Ptl Governance as Trustee of the Aviva Master Trust / Rebecca Cooke as Trustee of the Aviva Master Trust / Anne Hunt as Trustee of the Aviva Master Trust / Jonathan Parker as Trustee of the Aviva Master Trust Ptl Governance Limited as Trustee of the Aviva Master Trust / Rebecca Cooke as Trustee of the Aviva Master Trust / Anne Hunt as Trustee of the Aviva Master Trust / Jonathan Parker as Trustee of the Aviva Master Trust | A registered charge | — | 12/03/2019 | — | |
| outstanding | The Prudential Insurance Company of America | A registered charge | — | 29/06/2018 | — | |
| outstanding | HSBC Hsbc Bank PLC | A registered charge | 1 property | 26/06/2017 | — | |
| satisfied | Utmost (Formerly Axa Isle of Man ) Utmost Limited (Formerly Axa Isle of Man Limited) | A registered charge | — | 20/03/2017 | 31/01/2023 | |
| outstanding | Harcourt Life International Designated Activity Company | A registered charge | — | 02/09/2016 | — | |
| outstanding | Aviva International Insurance (And Its Successors in Title and Permitted Transferees) Aviva International Insurance Limited (And Its Successors in Title and Permitted Transferees) | A registered charge | — | 05/08/2016 | — | |
| satisfied | Aviva International Insurance (And Its Successors in Title and Permitted Transferees) Aviva International Insurance Limited (And Its Successors in Title and Permitted Transferees) | A registered charge | — | 29/04/2016 | 06/12/2019 | |
| outstanding | Aviva International Insurance Aviva International Insurance Limited | A registered charge | — | 29/04/2016 | — | |
| outstanding | Aviva Investors Pensions Aviva Investors Pensions Limited | A registered charge | 1 property | 20/01/2016 | — | |
| satisfied | Rac Pension Trustees (And Its Successors in Title and Permitted Transferees) Rac Pension Trustees Limited (And Its Successors in Title and Permitted Transferees) | A registered charge | — | 24/11/2015 | 08/11/2024 | |
| satisfied | Scor Global Life S.E., Acting Through Its UK Branch (And Its Successors in Title and Permitted Transferees) | A registered charge | — | 24/11/2015 | 08/11/2024 | |
| outstanding | Aviva Annuity UK Aviva Annuity UK Limited | A registered charge | — | 23/06/2015 | — | |
| outstanding | Aviva International Insurance Aviva International Insurance Limited | A registered charge | 1 property | 08/08/2014 | — | |
| outstanding | Munich Re Company United Kingdom Life Branch (And Its Successors-in-Title and Permitted Assigns) | A registered charge | 1 property | 05/03/2014 | — | |
| outstanding | Swiss Re Europe S.A., Acting Through Its UK Branch | A registered charge | 1 property | 05/03/2014 | — | |
| outstanding | Scor Global Life S.E., UK Branch (And Its Successors-in-Title and Permitted Transferees) | A registered charge | 1 property | 05/03/2014 | — | |
| outstanding | Aviva Staff Pension Trustee (And Its Successors-in-Title and Permitted Transferees) Aviva Staff Pension Trustee Limited (And Its Successors-in-Title and Permitted Transferees) | A registered charge | 1 property | 05/03/2014 | — | |
| outstanding | Aviva Staff Pension Trustee (And Its Successors-in-Title and Permitted Transferees) Aviva Staff Pension Trustee Limited (And Its Successors-in-Title and Permitted Transferees) | A registered charge | 1 property | 05/03/2014 | — | |
| outstanding | Aviva Staff Pension Trustee (And Its Successors-in-Title and Permitted Transferees) Aviva Staff Pension Trustee Limited (And Its Successors-in-Title and Permitted Transferees) | A registered charge | 1 property | 05/03/2014 | — | |
| satisfied | National Westminster Bank National Westminster Bank PLC | A registered charge | 1 property | 19/11/2013 | 19/11/2019 | |
| outstanding | Barclays Barclays Bank PLC | A registered charge | — | 30/07/2013 | — | |
| satisfied | Lloyds Banking Group The Royal Bank of Scotland PLC | The credit support deed | 1 property | 21/12/2012 | 16/04/2014 | |
| outstanding | Lloyds Banking Group Lloyds Tsb Bank PLC | Supplemental investors security agreement | 1 property | 01/10/2009 | — | |
| outstanding | Lloyds Banking Group Lloyds Tsb Bank PLC | Supplemental investors security agreement | 1 property | 01/10/2009 | — | |
| outstanding | Lloyds Banking Group Lloyds Tsb Bank PLC | Supplemental investors security agreement | 1 property | 01/10/2009 | — | |
| satisfied | J.P. Morgan Corporate Trustee Services (For Itself and as Trustee for the Obligorsecured Creditors) J.P. Morgan Corporate Trustee Services Limited (For Itself and as Trustee for the Obligorsecured Creditors) | Deed of charge (security and intercreditor deed) | 1 property | 05/05/2005 | 13/02/2007 | |
| satisfied | Lloyds Banking Group The Royal Bank of Scotland PLC as Nulap Security Trustee | Secuity trust | 1 property | 24/09/2004 | 09/07/2014 | |
| outstanding | Lloyds Banking Group The Governor and Company of the Bank of Scotland for Itself and as Security Trustee for Thefinance Parties (The Security Trustee) | Legal charge | 1 property | 16/07/2004 | — | |
| satisfied | Lloyds Banking Group The Governor and Company of the Bank of Scotland for Itself and as Security Trustee and Agentfor the Finance Parties | Debenture | 1 property | 06/04/2004 | 20/01/2007 | |
| satisfied | Lloyds Banking Group The Royal Bank of Scotland PLC as Agent for the Bank and as Security Trustee for the Financeparties (The Agent) | Debenture | 1 property | 16/03/2004 | 13/02/2007 | |
| satisfied | Lloyds Banking Group The Royal Bank of Scotland PLC as Agent for the Banks and as Security Trustee for the Financeparties (The Agent) | Deed of charge of securities | 1 property | 16/03/2004 | 04/06/2014 | |
| satisfied | Lloyds Banking Group The Royal Bank of Scotland PLC as Agent for the Banks and as Security Trustee for the Financeparties (The Agent) | Charge of interest in limited partnership | 1 property | 15/03/2004 | 04/06/2014 | |
| satisfied | Lloyds Banking Group The Royal Bank of Scotland PLC as Agent for the Banks and as Security Trustee for the Financeparties | Deed of charge of securities | 1 property | 15/03/2004 | 04/06/2014 | |
| satisfied | Lloyds Banking Group The Royal Bank of Scotland PLC in Its Capacity as Agent for the Banks and as Security Trusteefor the Finance Parties (Secured Party) | Agreement of confirmation of security arrangements | 1 property | 22/12/2003 | 04/06/2014 | |
| satisfied | Lloyds Banking Group The Governor and Company of the Bank of Scotland for Itself as Agent and Security Trustee Forand on Behalf of the Finance Parties | Legal charge | 1 property | 03/11/2003 | 11/06/2014 | |
| part-satisfied | Lloyds Banking Group The Governor and Company of the Bank of Scotland (Security Trustee) | Legal charge | 2 properties | 28/08/2003 | — | |
| satisfied | Barclays Barclays Bank PLC | Legal charge | 1 property | 28/08/2003 | 25/11/2014 | |
| satisfied | Barclays Barclays Bank PLC | Legal charge | 1 property | 28/08/2003 | 25/11/2014 | |
| satisfied | Barclays Barclays Bank PLC | Legal charge | 1 property | 28/08/2003 | 25/11/2014 | |
| satisfied | Barclays Barclays Bank PLC | Legal charge | 1 property | 28/08/2003 | 25/11/2014 | |
| satisfied | Barclays Barclays Bank PLC | Legal charge | 1 property | 28/08/2003 | 25/11/2014 | |
| satisfied | Barclays Barclays Bank PLC | Legal charge | 1 property | 28/08/2003 | 25/11/2014 | |
| satisfied | Barclays Barclays Bank PLC | Legal charge | 1 property | 28/08/2003 | 25/11/2014 | |
| satisfied | Barclays Barclays Bank PLC | Legal charge | 1 property | 28/08/2003 | 25/11/2014 | |
| satisfied | Barclays Barclays Bank PLC | Legal charge | 1 property | 28/08/2003 | 25/11/2014 | |
| satisfied | The Norfolk Naturalists Trust | Deed of indemnity | 1 property | 25/03/2003 | 06/08/2016 | |
| satisfied | Lloyds Banking Group The Royal Bank of Scotland PLC as Agent for the Banks and as Security Trustee for the Financeparties | A charge of interest in limited partnership | 1 property | 24/01/2003 | 04/06/2014 | |
| satisfied | Lloyds Banking Group The Royal Bank of Scotland PLC as Agent for the Banks and as Security Trustee for the Financeparties | A deed of charge of securities | 1 property | 30/09/2002 | 04/06/2014 | |
| satisfied | Lloyds Banking Group The Royal Bank of Scotland PLC, as Agent for the Banks and as Security Trustee for the Financeparties (The Secured Party) | Security agreement | 1 property | 17/07/2002 | 04/06/2014 | |
| satisfied | Lloyds Banking Group The Royal Bank of Scotland PLC as Agent for the Banks and as Security Trustee for the Financeparties | Deed of charge over contractual rights | 1 property | 17/07/2002 | 04/06/2014 | |
| satisfied | Lloyds Banking Group The Governor and Company of the Bank of Scotland | Debenture | 1 property | 28/02/2002 | 20/01/2007 | |
| satisfied | Lloyds Banking Group The Royal Bank of Scotland Plcas Agent for the Banks and as Security Trustee for the Finance Parties | Security agreement | 1 property | 03/01/2002 | 04/06/2014 | |
| satisfied | Lloyds Banking Group The Royal Bank of Scotland Plcas Agent for the Banks and as Security Trustee for the Finance Parties | Debenture | 1 property | 03/01/2002 | 27/02/2014 | |
| satisfied | Lloyds Banking Group The Governor and Company of the Bank of Scotland | Composite charge | 1 property | 15/07/1999 | 21/06/2002 | |
| satisfied | Lloyds Banking Group The Governor and Company of the Bank of Scotland | Composite charge | 1 property | 15/07/1999 | 21/06/2002 | |
| satisfied | Lloyds Banking Group The Governor and Company of the Bank of Scotland | Composite charge | 1 property | 15/07/1999 | 21/06/2002 | |
| satisfied | Lloyds Banking Group The Governor and Company of the Bank of Scotland | Composite charge | 1 property | 15/07/1999 | 21/06/2002 | |
| satisfied | Lloyds Banking Group The Governor and Company of the Bank of Scotland | Composite charge | 1 property | 15/07/1999 | 21/06/2002 | |
| satisfied | Lloyds Banking Group The Governor and Company of the Bank of Scotland | Composite rental assignment and rent charge | 1 property | 15/07/1999 | 21/06/2002 | |
| satisfied | Lloyds Banking Group The Governor and Company of the Bank of Scotland | Composite rental assignment and rent charge | 2 properties | 15/07/1999 | 21/06/2002 | |
| satisfied | Lloyds Banking Group The Governor and Company of the Bank of Scotland | Composite rental assignment and rent charge | 1 property | 15/07/1999 | 21/06/2002 | |
| satisfied | Lloyds Banking Group The Governor and Company of the Bank of Scotland | Composite rental assignment and rent charge | 1 property | 15/07/1999 | 21/06/2002 | |
| satisfied | Lloyds Banking Group The Governor and Company of the Bank of Scotland | Composite rental assignment and rent charge | 1 property | 15/07/1999 | 21/06/2002 | |
| satisfied | Abn Amro Bank (Luxemborg) S.A. | Novation agreement | 1 property | 15/08/1997 | 06/03/2002 | |
| satisfied | Abn Amro Bank (Luxemborg) S.A. | Novation agreement | 1 property | 15/08/1997 | 06/03/2002 | |
| satisfied | Abn Amro Bank (Luxemborg) S.A. | Novation agreement | 1 property | 15/08/1997 | 06/03/2002 |