PEARL LIFE HOLDINGS LIMITED
🌳Matureactive
04560778 · ltd · incorporated 2002-10-11
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.
Why now
Window steady · low confidence
Steady and tidy — no seller pressure yet. Approach only if an angle opens.
Opportunity decay
approaching window · 12-months
Approaching a transaction window — refinance or sale event plausible in the next 12 months.
- · Oldest live charge 9.0y 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
72/100
Strong
What this business does
Primary activity: Activities of financial services holding companies
Sector: Financial & insurance
Investor take
PursueStrong opportunity: asset-holding vehicle with strong profile and bankable structure.
Opportunity 72/100 (strong), bankability 80/100. Share purchase looks the cleaner deal structure. Most likely exit: strategic trade sale (63/100).
🏦
Refinance opportunity
2 live charges · oldest 9.0y
65/100
clean up first
Refinance viable after a tidy-up — address the highlighted items first.
- · Oldest live charge is 9.0 years old — likely at or near maturity.
- · Single lender — cleanest path to refinance.
- · Legal-friction score 28/100 — workable, but lender will want more DD.
Data confidence
Overall: medium (60/100)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
0
Lenders & charges
2 charges (2/2 with lender, 2/2 with type)
90
Directors & officers
36 officers (3 active, 36 linked, 32 with DOB)
88
Ownership & PSC
1 active PSC(s) of 1 total, 1 with control declared
90
Director network
11 connected companies via shared directors
78
Filing history
168 filings on record
85
Gazette notices
No matching gazette notices (standard for active companies)
60
Opportunity Score
72/100Strong
PassWatchWorth a lookStrongExceptional
Solid opportunity signal. Worth a dedicated memo and management meeting.
Business quality
70
Active, clean filings, stable charge profile.
Acquirability
50
Some acquirability indicators.
Risk profile
77
Few red flags.
Signal strength
100
Good data coverage for analysis.
Recent activity
Last 30 days
0
filings
Last 90 days
4
filings
- • 4 officers
Last 180 days
4
filings
- • 4 officers
Counts from Companies House filing history.
Corporate timeline (94 events)Click to expand
- 2026-04-09📄appoint-person-director-company-with-name-dateofficers · AP01
- 2026-04-01📄appoint-person-director-company-with-name-dateofficers · AP01
- 2026-03-31➕BREINGAN, Ian appointeddirector
- 2026-03-31➕BURRAGE-JONES, Wesley Graeme appointeddirector
- 2026-03-31➖CAIRNS, Arlene resigneddirector
- 2026-03-31➖SWIFT, William Edward resigneddirector
- 2026-03-31📄termination-director-company-with-name-termination-dateofficers · TM01
- 2026-03-31📄termination-director-company-with-name-termination-dateofficers · TM01
- 2025-11-14📄change-corporate-secretary-company-with-change-dateofficers · CH04
- 2025-11-11📍change-registered-office-address-company-with-date-old-address-new-addressaddress · AD01
- 2025-11-10📄change-to-a-person-with-significant-controlpersons-with-significant-control · PSC05
- 2025-10-02📄accounts-with-accounts-type-fullaccounts · AA
- 2025-09-30📄change-person-director-company-with-change-dateofficers · CH01
- 2024-07-31📄accounts-with-accounts-type-fullaccounts · AA
- 2024-07-05📄termination-director-company-with-name-termination-dateofficers · TM01
- 2024-07-05📄appoint-person-director-company-with-name-dateofficers · AP01
- 2024-07-04➕CAIRNS, Arlene appointeddirector
- 2024-07-04➖JONES, Katherine Louise resigneddirector
- 2023-10-17📄accounts-with-accounts-type-fullaccounts · AA
- 2022-11-08📄appoint-person-director-company-with-name-dateofficers · AP01
- 2022-11-08📄termination-director-company-with-name-termination-dateofficers · TM01
- 2022-11-01➕JONES, Katherine Louise appointeddirector
- 2022-11-01➖THAKRAR, Rakesh Kishore resigneddirector
- 2022-10-17📄accounts-with-accounts-type-fullaccounts · AA
- 2022-06-14📄mortgage-satisfy-charge-fullmortgage · MR04
- 2022-06-14🔓Charge satisfied #2
- 2022-05-06📄termination-director-company-with-name-termination-dateofficers · TM01
- 2022-03-30➖PEROWNE, Samuel James resigneddirector
- 2022-01-21📄resolutionresolution · RESOLUTIONS
- 2022-01-20📄memorandum-articlesincorporation · MA
- 2022-01-20📄statement-of-companys-objectschange-of-constitution · CC04
- 2020-08-28➕PEROWNE, Samuel James appointeddirector
- 2020-08-28➕SWIFT, William Edward appointeddirector
- 2020-07-23➖TRUE, Simon Charles resigneddirector
- 2020-05-15➖MCCONVILLE, James resigneddirector
- 2018-08-29➕TRUE, Simon Charles appointeddirector
- 2018-03-31➖CLUTTERBUCK, Fiona Jane resigneddirector
- 2017-06-29🔒Charge registered #2Lender: Abbey Life Trust Securities Limited as Trustee of the Abbey Life Assurance Company Limited Staff Pension Scheme
- 2017-06-29🔒Charge registered #1Lender: Abbey Life Trust Securities Limited as Trustee of the Abbey Life Assurance Company Limited Staff Pension Scheme
- 2013-02-20➕THAKRAR, Rakesh Kishore appointeddirector
- 2013-01-31➖RICHARDSON, David Louis resigneddirector
- 2013-01-07➕MCCONVILLE, James appointeddirector
- 2012-12-19➖MILES, Paul Lewis resigneddirector
- 2012-02-06➕CLUTTERBUCK, Fiona Jane appointeddirector
- 2011-12-21➖YATES, Jonathan James resigneddirector
- 2011-12-12➕RICHARDSON, David Louis appointeddirector
- 2011-02-07➖MOSS, Jonathan Stephen resigneddirector
- 2011-01-01➖CUMMINS, Diarmuid resigneddirector
- 2011-01-01➕MILES, Paul Lewis appointeddirector
- 2011-01-01➕YATES, Jonathan James appointeddirector
Showing most recent 50 of 94 events
Owner dependency
58/100
Moderate — manageable with handoverSome founder dependency, but not acute. A structured handover period should cover most risk.
FACTORS
- +Two-director setup: Only two active directors — typical of owner-managed SMEs but limits succession.
Succession & seller-readiness
36/100
Weak signalLimited succession signal. Not a near-term off-market candidate.
SIGNALS
- secondaryTwo-director governance: Small-team governance. Succession depth is thin but not absent.
Red flags
1 med ·2 director resignations in last 12 months
mediumMultiple recent departures can indicate governance disagreement, succession event, or preparation for sale/stress.
Evidence: CAIRNS, Arlene resigned 2026-03-31; SWIFT, William Edward resigned 2026-03-31
Group structure
Impala Holdings Limited is the ultimate parent — holding 75%+ shares. This company sits inside their group.
🏛️ultimate parent
Impala Holdings Limited
Corporate parent · holds 75-100% shares · board control
⬇
PEARL LIFE HOLDINGS LIMITED
This company · 04560778
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 |
|---|---|---|---|---|
Impala Holdings 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 · Holding company · B postcode area| Company | Est. value | Turnover | Net worth | Staff | Age | Opp | Director |
|---|---|---|---|---|---|---|---|
| A D & C MANUFACTURING LIMITED→ 04316621 · est 2001 · no financials extracted | — | — | — | — | 24y | — | — |
| A.E. CHAPMAN & CO (HOLDINGS) LIMITED→ 16210923 · est 2025 · no financials extracted | — | — | — | — | 1y | — | — |
| ACORN TP HOLDCO LIMITED→ 13616497 · est 2021 · no financials extracted | — | — | — | — | 4y | — | — |
| ACORN UK TOPCO LIMITED→ 15767426 · est 2024 · no financials extracted | — | — | — | — | 1y | — | — |
| ACRES RESIDENTIAL LETTINGS LIMITED→ 16113833 · est 2024 · no financials extracted | — | — | — | — | 1y | — | — |
| ACT TRANSACT LTD→ 16660484 · est 2025 · no financials extracted | — | — | — | — | — | — | — |
| ACTIVO SERVICES LTD→ 14227103 · est 2022 · no financials extracted | — | — | — | — | 3y | — | — |
| ACUTEC INTERNATIONAL LIMITED→ 07039183 · est 2009 · no financials extracted | — | — | — | — | 16y | — | — |
| ADAPTABLE TRAVEL (HOLDINGS) LTD→ 16119618 · est 2024 · no financials extracted | — | — | — | — | 1y | — | — |
| ADB AND PARTNERS LIMITED→ 15339617 · est 2023 · no financials extracted | — | — | — | — | 2y | — | — |
| ADDERBURY FIELDS MANAGEMENT COMPANY LIMITED→ 09561290 · est 2015 · no financials extracted | — | — | — | — | 10y | — | — |
| ADELAR INVESTMENTS LTD→ 16324199 · est 2025 · no financials extracted | — | — | — | — | 1y | — | — |
Peers ranked by estimated value, then turnover, then opportunity score.See all →
🔒Tailored diligence questions
6 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
Typeltd
Incorporated2002-10-11
Jurisdictionengland-wales
Primary SIC64205 — Activities of financial services holding companies
Registered office
10 Brindleyplace
Birmingham
B1 2JB
United Kingdom
Filing status
Accounts
Next due: 2026-09-30
Last made up to: 2024-12-31
Confirmation statement
Next due: 2026-10-20
Last: 2025-10-06
Officers (3 active · 33 resigned)
PEARL GROUP SECRETARIAT SERVICES LIMITED→
Activecorporate-secretary · appointed 2006-09-01
View their other companies + combined net worth →
BREINGAN, Ian→
Activedirector · ~43y · appointed 2026-03-31
View their other companies + combined net worth →
BURRAGE-JONES, Wesley Graeme→
Activedirector · ~44y · appointed 2026-03-31
View their other companies + combined net worth →
MEEHAN, Brendan Joseph→
Resignedsecretary · appointed 2004-05-24 · resigned 2004-09-30
WILMAN, Jennifer Jane→
Resignedsecretary · appointed 2004-09-30 · resigned 2006-09-01
TRUSEC LIMITED→
Resignedcorporate-nominee-secretary · appointed 2002-10-11 · resigned 2004-05-24
BIGGS, Michael Nicholas→
Resigneddirector · ~74y · appointed 2005-01-20 · resigned 2008-05-01
CAIRNS, Arlene→
Resigneddirector · ~48y · appointed 2024-07-04 · resigned 2026-03-31
CLUTTERBUCK, Fiona Jane→
Resigneddirector · ~68y · appointed 2012-02-06 · resigned 2018-03-31
COWDERY, Clive Adam→
Resigneddirector · ~63y · appointed 2003-02-28 · resigned 2005-10-10
CUMMINS, Diarmuid→
Resigneddirector · ~58y · appointed 2010-06-10 · resigned 2011-01-01
GREENFIELD, Richard Edward Keith→
Resigneddirector · ~70y · appointed 2004-09-30 · resigned 2007-12-31
HUCKLE, Sandra Dawn→
Resigneddirector · ~62y · appointed 2008-10-01 · resigned 2009-09-03
JAMES, Glen William→
Resigneddirector · ~74y · appointed 2003-02-05 · resigned 2003-02-28
JONES, Katherine Louise→
Resigneddirector · ~45y · appointed 2022-11-01 · resigned 2024-07-04
MAIDENS, Ian Graham→
Resigneddirector · ~62y · appointed 2005-03-31 · resigned 2008-08-22
MAXWELL, Helen Mary→
Resigneddirector · ~72y · appointed 2008-10-13 · resigned 2008-10-13
MAXWELL, Helen Mary→
Resigneddirector · ~72y · appointed 2008-10-01 · resigned 2009-09-03
MCCONVILLE, James→
Resigneddirector · ~70y · appointed 2013-01-07 · resigned 2020-05-15
MEEHAN, Brendan Joseph→
Resigneddirector · ~68y · appointed 2004-05-24 · resigned 2005-10-10
Click a director name to see their full track record across all companies.
Mortgages & charges
2
Total charges
1
Outstanding
1
Active lenders
Status:Lender:2 of 2 shown
| Type | Properties | |||||
|---|---|---|---|---|---|---|
| satisfied | Abbey Life Trust Securities as Trustee of the Abbey Life Assurance Company Staff Pension Scheme Abbey Life Trust Securities Limited as Trustee of the Abbey Life Assurance Company Limited Staff Pension Scheme | A registered charge | — | 29/06/2017 | 14/06/2022 | |
| outstanding | Abbey Life Trust Securities as Trustee of the Abbey Life Assurance Company Staff Pension Scheme Abbey Life Trust Securities Limited as Trustee of the Abbey Life Assurance Company Limited Staff Pension Scheme | A registered charge | — | 29/06/2017 | — |
Click column headers to sort. Use filters above to narrow by status and lender.
Recent filings (168 total)
appoint-person-director-company-with-name-date
officers · AP01
2026-04-09
appoint-person-director-company-with-name-date
officers · AP01
2026-04-01
termination-director-company-with-name-termination-date
officers · TM01
2026-03-31
termination-director-company-with-name-termination-date
officers · TM01
2026-03-31
change-corporate-secretary-company-with-change-date
officers · CH04
2025-11-14
change-registered-office-address-company-with-date-old-address-new-address
address · AD01
2025-11-11
change-to-a-person-with-significant-control
persons-with-significant-control · PSC05
2025-11-10
confirmation-statement-with-updates
confirmation-statement · CS01
2025-10-17
accounts-with-accounts-type-full
accounts · AA
2025-10-02
change-person-director-company-with-change-date
officers · CH01
2025-09-30
confirmation-statement-with-no-updates
confirmation-statement · CS01
2024-10-15
accounts-with-accounts-type-full
accounts · AA
2024-07-31
termination-director-company-with-name-termination-date
officers · TM01
2024-07-05
appoint-person-director-company-with-name-date
officers · AP01
2024-07-05
accounts-with-accounts-type-full
accounts · AA
2023-10-17