AVIVA INSURANCE LIMITED

🌳Matureactive

SC002116 · ltd · incorporated 1891-02-23

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

74/100

Strong

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What this business does

Primary activity: Non-life insurance

Sector: Financial & insurance

Investor take

Pursue

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

Opportunity 74/100 (strong), bankability 52/100. High owner-dependency — earn-out structure likely required for clean transition. Share purchase looks the cleaner deal structure. Biggest value-creation lever: Consolidate lender relationships. 11 distinct lenders creates friction — refinance into single-lender structure for cleaner diligence. Most likely exit: strategic trade sale (48/100).

🏦

Refinance opportunity

41 live charges · 11 lenders · oldest 52.1y

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 52.1 years old — likely at or near maturity.
· 11 lenders named — inter-creditor friction likely.
· Legal-friction score 53/100 (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

41 charges (41/41 with lender, 41/41 with type)

Directors & officers

85 officers (11 active, 85 linked, 79 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

805 filings on record

Gazette notices

No matching gazette notices (standard for active companies)

Opportunity Score

74/100Strong

PassWatchWorth a lookStrongExceptional

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

Business quality

Adequate — check latest filings for context.

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 incorporation

Last 90 days

filings

• 1 incorporation
• 1 officers

Last 180 days

filings

• 2 officers
• 1 incorporation

Counts from Companies House filing history.

Corporate timeline (243 events)Click to expand

2026-04-07
📄
memorandum-articles
incorporation · MA
2026-03-18
📄
termination-director-company-with-name-termination-date
officers · TM01
2026-03-09
➖
POND, Stephen Forder resigned
director
2026-01-06
📄
appoint-person-director-company-with-name-date
officers · AP01
2025-12-18
➕
NEILSON, Gregory Robert appointed
director
2025-08-04
📄
capital-allotment-shares
capital · SH01
2025-08-04
📄
capital-allotment-shares
capital · SH01
2025-07-11
📄
accounts-with-accounts-type-full
accounts · AA
2025-06-02
➕
NESTARES LOPEZ, Maria Cristina appointed
director
2025-06-02
📄
appoint-person-director-company-with-name-date
officers · AP01
2025-01-30
📄
appoint-person-director-company-with-name-date
officers · AP01
2025-01-23
➕
MAROCK, David Gideon appointed
director
2024-09-23
📄
appoint-person-director-company-with-name-date
officers · AP01
2024-09-17
➕
POND, Stephen Forder appointed
director
2024-07-26
📄
appoint-person-director-company-with-name-date
officers · AP01
2024-07-25
➕
HARIA, Deepakkumar Velji Vajabhai appointed
director
2024-07-19
📄
capital-allotment-shares
capital · SH01
2024-07-18
📄
capital-allotment-shares
capital · SH01
2024-07-08
📄
change-person-director-company-with-change-date
officers · CH01
2024-07-05
📄
auditors-resignation-company
auditors · AUD
2024-05-22
📄
accounts-with-accounts-type-full
accounts · AA
2024-04-12
📄
termination-director-company-with-name-termination-date
officers · TM01
2024-04-09
➖
POOLE, Jane Carmel resigned
director
2024-04-04
📄
termination-director-company-with-name-termination-date
officers · TM01
2024-04-03
📄
appoint-person-director-company-with-name-date
officers · AP01
2024-04-01
➕
JONES, Charlotte Claire appointed
director
2024-03-31
➖
TONER, Cheryl resigned
director
2024-03-28
📄
change-to-a-person-with-significant-control
persons-with-significant-control · PSC05
2024-03-28
📄
change-corporate-secretary-company-with-change-date
officers · CH04
2024-03-21
📄
change-person-director-company-with-change-date
officers · CH01
2024-03-21
📄
change-person-director-company-with-change-date
officers · CH01
2024-03-20
📄
change-person-director-company-with-change-date
officers · CH01
2024-03-11
➖
STROBEL, Martin resigned
director
2023-11-21
➕
STORAH, Jason Philip appointed
director
2023-08-30
➖
WINSLOW, Adam Charles resigned
director
2023-04-30
➖
ROCHEZ, Nicholas Dutfield resigned
director
2022-12-21
🔒
Charge registered #67
Lender: Hsbc Bank Usa, National Association
2022-09-01
➕
FRY, Fiona Christina appointed
director
2022-07-15
➖
COOPER, Kirstine Ann resigned
director
2022-07-15
➕
TONER, Cheryl appointed
director
2022-06-30
➖
BURNS, Steven Paul resigned
director
2022-05-05
➕
STROBEL, Martin appointed
director
2021-12-17
🔒
Charge registered #66
Lender: Aviva Insurance Ireland Dac
2021-09-01
🔒
Charge registered #65
Lender: Bnp Paribas
2021-09-01
🔒
Charge registered #64
Lender: Goldman Sachs International
2021-08-23
➕
POOLE, Jane Carmel appointed
director
2021-06-17
➕
WINSLOW, Adam Charles appointed
director
2021-05-25
➖
HOLMES, Colm Joseph resigned
director
2021-02-08
➕
CLARK, Ian Edward appointed
director
2020-12-18
➖
MAILLET, Sarah resigned
director

Showing most recent 50 of 243 events

Owner dependency

63/100

High — earn-out structure required

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

FACTORS

-10 active directors: Broader management team in place — suggests transferable governance.
+Founder age: Director aged approximately 79 — succession pressure is live.
+Family involvement: Multiple officers share a surname — likely family business, which concentrates governance.

Succession & seller-readiness

60/100

Strong succession signal

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

SIGNALS

primaryFounder aged 70+: Senior director is approximately 79 years old. Natural succession window is now.

Red flags

1 med · 1 low

Charge satisfaction-then-recreation pattern

medium

Multiple instances where a charge was satisfied and a new charge created within 6 months. Suggests active refinancing cycle.

5 live charges

low

Heavily leveraged with multiple live security positions — understand the capital structure before proceeding.

Group structure

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

🏛️

Aviva Group Holdings Limited

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

ultimate parent

⬇

AVIVA INSURANCE LIMITED

This company · SC002116

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 Group 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

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BRAIDS BRAWEST LIMITED→ SC244281 · est 2003	—	—	—	—	23y	80	61y
DUPPLIN INVESTMENTS LIMITED→ SC480480 · est 2014	—	—	—	0	11y	80	59y
HERITABLE LIMITED→ SC237615 · est 2002	—	—	—	—	23y	80	73y
KAIM INVESTMENT COMPANY LIMITED→ SC020977 · est 1939	—	—	—	2	86y	80	88y
BQI GROUP LIMITED→ SC306285 · est 2006 · no financials extracted	—	—	—	—	19y	79	60y
FAIR CITY PROPERTY GROUP LIMITED→ SC689124 · est 2021	—	—	—	300	5y	79	62y
DFS FINANCIAL CONSULTANCY LTD.→ SC504292 · est 2015	—	—	—	6	10y	78	61y
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BON ACCORD BONDING COMPANY LIMITED→ SC028125 · est 1951	—	—	£1.11M	—	75y	77	81y
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Peers ranked by estimated value, then turnover, then opportunity score.See all →

🔒Tailored diligence questions

8 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

Incorporated1891-02-23

Jurisdictionscotland

Primary SIC65120 — Non-life insurance

Registered office

Pitheavlis

Perth

PH2 0NH

Filing status

Accounts

Next due: 2026-09-30

Last made up to: 2024-12-31

Confirmation statement

Next due: 2026-05-15

Last: 2025-05-01