AVALON SIPP TRUSTEES LIMITED

🌳Matureactive

05517113 · ltd · incorporated 2005-07-25

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 11.3y old — refinance window within 12 months

🔒Estimated value

—

Upgrade to see

Turnover

—

not disclosed

Net worth

—

book net assets

Opportunity

77/100

Strong

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What this business does

Primary activity: Pension funding

Sector: Financial & insurance

Investor take

Pursue

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

Opportunity 77/100 (strong), bankability 80/100. Share purchase looks the cleaner deal structure. Most likely exit: strategic trade sale (73/100).

🏦

Refinance opportunity

2 live charges · oldest 11.3y

65/100

clean up first

Refinance viable after a tidy-up — address the highlighted items first.

· Oldest live charge is 11.3 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

Lenders & charges

2 charges (2/2 with lender, 2/2 with type)

Directors & officers

25 officers (5 active, 25 linked, 22 with DOB)

Ownership & PSC

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

Director network

10 connected companies via shared directors

Filing history

114 filings on record

Gazette notices

No matching gazette notices (standard for active companies)

Opportunity Score

77/100Strong

PassWatchWorth a lookStrongExceptional

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

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.

Recent activity

Last 30 days

filing

• 1 accounts

Last 90 days

filing

• 1 accounts

Last 180 days

filings

• 1 accounts
• 1 confirmation-statement
• 1 officers

Counts from Companies House filing history.

Corporate timeline (70 events)Click to expand

2026-07-06
📄
accounts-with-accounts-type-dormant
accounts · AA
2026-01-19
📄
change-person-director-company-with-change-date
officers · CH01
2025-12-19
📄
termination-director-company-with-name-termination-date
officers · TM01
2025-12-17
➖
ALMOND, Mark resigned
director
2025-12-12
📄
change-account-reference-date-company-current-extended
accounts · AA01
2025-11-24
📄
appoint-person-director-company-with-name-date
officers · AP01
2025-11-21
📄
appoint-person-director-company-with-name-date
officers · AP01
2025-11-07
📄
appoint-person-director-company-with-name-date
officers · AP01
2025-11-07
📄
termination-director-company-with-name-termination-date
officers · TM01
2025-11-03
➕
BOLD, Graeme Robert appointed
director
2025-11-03
➕
EASTON, Ross Andrew appointed
director
2025-11-03
➕
INKSTER, Darlene appointed
director
2025-10-31
➖
SANDELL, Jonathan Mark Donald resigned
director
2025-04-25
📄
accounts-with-accounts-type-unaudited-abridged
accounts · AA
2025-03-31
📄
appoint-person-director-company-with-name-date
officers · AP01
2025-03-26
➕
SANDELL, Jonathan Mark Donald appointed
director
2025-03-14
📄
termination-director-company-with-name-termination-date
officers · TM01
2025-02-25
➖
HARDIE, Graeme Stuart resigned
director
2025-01-10
📄
change-person-director-company-with-change-date
officers · CH01
2025-01-09
📄
change-person-director-company-with-change-date
officers · CH01
2025-01-09
📄
change-person-director-company-with-change-date
officers · CH01
2025-01-09
📄
change-person-director-company-with-change-date
officers · CH01
2024-12-09
📍
change-registered-office-address-company-with-date-old-address-new-address
address · AD01
2024-06-12
📄
termination-director-company-with-name-termination-date
officers · TM01
2024-05-31
➖
ROBINSON, Matthew David resigned
director
2024-04-26
📄
accounts-with-accounts-type-unaudited-abridged
accounts · AA
2023-12-01
📄
appoint-person-director-company-with-name-date
officers · AP01
2023-12-01
📄
appoint-person-director-company-with-name-date
officers · AP01
2023-11-17
➕
SMITH-BLOOR, Laura Elizabeth Rose appointed
director
2023-11-17
➕
ALMOND, Mark appointed
director
2023-11-07
📄
termination-director-company-with-name-termination-date
officers · TM01
2023-11-07
📄
termination-director-company-with-name-termination-date
officers · TM01
2023-10-31
➖
ANTHONY, Gareth resigned
director
2023-10-31
➖
BARLOW, Wayne Christopher resigned
director
2022-10-31
➕
HARDIE, Graeme Stuart appointed
director
2022-10-31
➕
ROBINSON, Matthew David appointed
director
2022-10-31
➖
SPENCER, Christopher resigned
director
2022-07-22
➕
ANTHONY, Gareth appointed
director
2022-07-22
➖
BAREFOOT, Lee John resigned
director
2022-07-22
➕
BARLOW, Wayne Christopher appointed
director
2022-01-31
➖
DOWNING, Paul resigned
director
2022-01-31
➖
FOX, John Damien resigned
director
2020-12-08
➕
RAMSHAW, Lynne appointed
director
2020-12-08
➕
BAREFOOT, Lee John appointed
director
2020-12-08
➕
DOWNING, Paul appointed
director
2020-12-08
➕
FOX, John Damien appointed
director
2020-12-08
➖
LARKMAN, Toby William resigned
director
2020-12-08
➕
SPENCER, Christopher appointed
director
2020-12-08
➖
WOOD, Craig John resigned
director
2020-07-10
➖
CRAGG, Arthur David resigned
director

Showing most recent 50 of 70 events

Owner dependency

48/100

Moderate — manageable with handover

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

FACTORS

-5 active directors: Broader management team in place — suggests transferable governance.
+Senior director age: Director aged approximately 58 — approaching natural succession window.

Succession & seller-readiness

40/100

Moderate signal

Some succession indicators present. Worth watching; approach if sector/strategy fits.

SIGNALS

secondaryFounder aged 58+: Senior director is approximately 58. Early succession window.

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: ALMOND, Mark resigned 2025-12-17; SANDELL, Jonathan Mark Donald resigned 2025-10-31

Group structure

Embark Group Limited is the ultimate parent — holding 75%+ shares. This company sits inside their group.

🏛️

Embark Group Limited

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

ultimate parent

⬇

AVALON SIPP TRUSTEES LIMITED

This company · 05517113

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
Embark Group 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

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AURORA UNDERWRITING (1997) LIMITED→ 03431418 · est 1997 · no financials extracted	—	—	—	—	28y	—	—
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AUTOMINT IO LIMITED→ 16949906 · est 2026 · no financials extracted	—	—	—	—	—	—	—
AVALON INVESTMENT SERVICES (NOMINEES) LIMITED→ 03826842 · est 1999 · no financials extracted	—	—	—	—	26y	—	—
AVIVA INTERNATIONAL INSURANCE LIMITED→ 00021487 · est 1885 · no financials extracted	—	—	—	—	140y	—	—
AVS HEALTH LIMITED→ 15539241 · est 2024 · no financials extracted	—	—	—	—	2y	—	—
AWE FINANCE LIMITED→ 11296999 · est 2018 · no financials extracted	—	—	—	—	8y	—	—
AXA GLOBAL HEALTHCARE (UK) LIMITED→ 03039521 · est 1995 · no financials extracted	—	—	—	—	31y	—	—
AXI DIGITAL (UK) LIMITED→ 14613945 · est 2023 · no financials extracted	—	—	—	—	3y	—	—
AXI FINANCIAL SERVICES (UK) LIMITED→ 06050593 · est 2007 · no financials extracted	—	—	—	—	19y	—	—
AXIOMA EUROPE LTD→ 11447632 · est 2018 · no financials extracted	—	—	—	—	7y	—	—
AXIS CORPORATE CAPITAL UK II LIMITED→ 03045763 · est 1995 · no financials extracted	—	—	—	—	31y	—	—

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.

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Company details

Statusactive

Typeltd

Incorporated2005-07-25

Jurisdictionengland-wales

Primary SIC65300 — Pension funding

Registered office

33 Old Broad Street

London

EC2N 1HZ

United Kingdom

Filing status

Accounts

Next due: 2027-09-30

Last made up to: 2025-12-31

Confirmation statement

Next due: 2027-04-03

Last: 2026-03-20