AVIVA EQUITY RELEASE UK LIMITED

🌳Matureactive

03286484 · ltd · incorporated 1996-12-02

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

72/100

Strong

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What this business does

Primary activity: Financial intermediation not elsewhere classified

Sector: Financial & insurance

Investor take

Pursue

Strong opportunity: active trading company with strong profile and acceptable with review structure.

Opportunity 72/100 (strong), bankability 57/100. Share purchase looks the cleaner deal structure. Biggest value-creation lever: Consolidate lender relationships. 5 distinct lenders creates friction — refinance into single-lender structure for cleaner diligence. Most likely exit: strategic trade sale (48/100).

🏦

Refinance opportunity

5 live charges · 5 lenders · oldest 23.3y

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 23.3 years old — likely at or near maturity.
· 5 lenders named — inter-creditor friction likely.
· Legal-friction score 48/100 (high).

Data confidence

Overall: medium (58/100)

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

Lenders & charges

5 charges (5/5 with lender, 5/5 with type)

Directors & officers

62 officers (5 active, 62 linked, 58 with DOB)

Ownership & PSC

1 active PSC(s) of 1 total, 1 with control declared

Director network

3 connected companies via shared directors

Filing history

252 filings on record

Gazette notices

No matching gazette notices (standard for active companies)

Opportunity Score

72/100Strong

PassWatchWorth a lookStrongExceptional

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

Business quality

Active, clean filings, stable charge profile.

Acquirability

Some acquirability indicators.

Risk profile

Few red flags.

Signal strength

100

Good data coverage for analysis.

Recent activity

Last 30 days

filing

• 1 accounts

Last 90 days

filing

• 1 accounts

Last 180 days

filing

• 1 accounts

Counts from Companies House filing history.

Corporate timeline (146 events)Click to expand

2026-05-07
📄
accounts-with-accounts-type-full
accounts · AA
2025-10-20
📄
termination-director-company-with-name-termination-date
officers · TM01
2025-10-20
📄
appoint-person-director-company-with-name-date
officers · AP01
2025-10-07
➕
BILLINGTON, Colin Barrie appointed
director
2025-10-06
➖
DINWIDDIE, Andrew Maitland resigned
director
2025-09-28
📄
appoint-person-director-company-with-name-date
officers · AP01
2025-09-28
📄
termination-director-company-with-name-termination-date
officers · TM01
2025-09-20
➕
DINWIDDIE, Andrew Maitland appointed
director
2025-09-19
➖
LARKIN, Anthony Paul David resigned
director
2025-08-26
📄
appoint-person-director-company-with-name-date
officers · AP01
2025-08-21
➕
LAYDEN, Sarah Jean appointed
director
2025-05-08
📄
termination-director-company-with-name-termination-date
officers · TM01
2025-04-27
➖
MCGILL, Matthew Ross resigned
director
2025-04-17
📄
accounts-with-accounts-type-full
accounts · AA
2025-02-10
📄
appoint-person-director-company-with-name-date
officers · AP01
2025-02-06
➕
MURPHY, Michael Anthony appointed
director
2024-11-08
📄
change-person-director-company-with-change-date
officers · CH01
2024-05-23
📄
termination-director-company-with-name-termination-date
officers · TM01
2024-05-16
➖
AGIUS, Cheryl Margaret resigned
director
2024-05-04
📄
accounts-with-accounts-type-full
accounts · AA
2024-04-03
📄
change-corporate-secretary-company-with-change-date
officers · CH04
2024-02-14
📄
change-person-director-company-with-change-date
officers · CH01
2024-02-13
📄
change-person-director-company-with-change-date
officers · CH01
2023-06-14
📄
termination-director-company-with-name-termination-date
officers · TM01
2023-06-14
📄
appoint-person-director-company-with-name-date
officers · AP01
2023-06-09
➕
LARKIN, Anthony Paul David appointed
director
2023-06-09
➖
TIPPLE, Madoc resigned
director
2023-05-01
📄
accounts-with-accounts-type-full
accounts · AA
2022-10-21
📄
appoint-person-director-company-with-name-date
officers · AP01
2022-10-18
➕
ELLIOT, David appointed
director
2022-06-06
📄
termination-director-company-with-name-termination-date
officers · TM01
2022-05-31
➖
SINGH, Chetan resigned
director
2022-03-30
➖
BROWN, Douglas Allan resigned
director
2022-02-21
➖
HAYES, Stephen James resigned
director
2022-01-11
➕
AGIUS, Cheryl Margaret appointed
director
2021-12-01
➕
TIPPLE, Madoc appointed
director
2021-11-30
➖
ROBINSON, Stuart Edmund resigned
director
2021-10-28
➕
MCGILL, Matthew Ross appointed
director
2021-07-26
➕
SINGH, Chetan appointed
director
2021-06-17
➖
NEILSON, Gregory Robert resigned
director
2021-05-18
➕
BROWN, Douglas Allan appointed
director
2021-04-30
➖
DARLINGTON, Angela Jane resigned
director
2020-04-29
➖
RIX, Lindsey Claire resigned
director
2020-03-24
➖
MUIR, Martin John resigned
director
2020-02-07
➕
DARLINGTON, Angela Jane appointed
director
2020-01-07
➕
NEILSON, Gregory Robert appointed
director
2020-01-06
➖
MARSDEN, Simon Roger resigned
director
2019-09-19
🔓
Charge satisfied #2
2018-07-20
➕
HAYES, Stephen James appointed
director
2018-03-28
➕
ROBINSON, Stuart Edmund appointed
director

Showing most recent 50 of 146 events

Owner dependency

40/100

Moderate — manageable with handover

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

FACTORS

-4 active directors: Broader management team in place — suggests transferable governance.

Succession & seller-readiness

30/100

Weak signal

Limited succession signal. Not a near-term off-market candidate.

Red flags

1 med ·

2 director resignations in last 12 months

medium

Multiple recent departures can indicate governance disagreement, succession event, or preparation for sale/stress.

Evidence: DINWIDDIE, Andrew Maitland resigned 2025-10-06; LARKIN, Anthony Paul David resigned 2025-09-19

Group structure

Aviva Life & Pensions Uk Limited is the ultimate parent — holding 75%+ shares. This company sits inside their group.

🏛️

Aviva Life & Pensions Uk Limited

Corporate parent · holds 75-100% shares · board control

ultimate parent

⬇

AVIVA EQUITY RELEASE UK LIMITED

This company · 03286484

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 & Pensions 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.

🔒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 · Financial services · YO postcode area

Company	Est. value	Turnover	Net worth	Staff	Age	Opp	Director
ABERDEEN ENTERPRISE FINANCE LIMITED→ 06662401 · est 2008 · no financials extracted	—	—	—	—	17y	—	—
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	—	—
ANOTHER LANE EN LIMITED→ 07711707 · est 2011 · no financials extracted	—	—	—	—	14y	—	—
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	—	—

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.

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Company details

Statusactive

Typeltd

Incorporated1996-12-02

Jurisdictionengland-wales

Primary SIC64999 — Financial intermediation not elsewhere classified

Registered office

Aviva

Wellington Row

York

North Yorkshire

YO90 1WR

England

Filing status

Accounts

Next due: 2027-09-30

Last made up to: 2025-12-31

Confirmation statement

Next due: 2026-10-15

Last: 2025-10-01