aviva life & pensions uk limited
aviva life & pensions uk limited Company Information
Company Number
03253947
Next Accounts
Sep 2025
Shareholders
aviva life holdings uk limited
Group Structure
View All
Industry
Life insurance
Registered Address
aviva wellington row, york, north yorkshire, YO90 1WR
Website
http://aviva.co.ukaviva life & pensions uk limited Estimated Valuation
Pomanda estimates the enterprise value of AVIVA LIFE & PENSIONS UK LIMITED at £4.6b based on a Turnover of £7.2b and 0.64x industry multiple (adjusted for size and gross margin).
aviva life & pensions uk limited Estimated Valuation
Pomanda estimates the enterprise value of AVIVA LIFE & PENSIONS UK LIMITED at £10.9b based on an EBITDA of £1.6b and a 6.73x industry multiple (adjusted for size and gross margin).
aviva life & pensions uk limited Estimated Valuation
Pomanda estimates the enterprise value of AVIVA LIFE & PENSIONS UK LIMITED at £7b based on Net Assets of £4.3b and 1.65x industry multiple (adjusted for liquidity).
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Aviva Life & Pensions Uk Limited Overview
Aviva Life & Pensions Uk Limited is a live company located in north yorkshire, YO90 1WR with a Companies House number of 03253947. It operates in the life insurance sector, SIC Code 65110. Founded in September 1996, it's largest shareholder is aviva life holdings uk limited with a 100% stake. Aviva Life & Pensions Uk Limited is a mature, mega sized company, Pomanda has estimated its turnover at £7.2b with declining growth in recent years.
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Aviva Life & Pensions Uk Limited Health Check
Pomanda's financial health check has awarded Aviva Life & Pensions Uk Limited a 4 rating. We use a traffic light system to show it exceeds the industry average on 4 measures and has 3 areas for improvement. Company Health Check FAQs
4 Strong
3 Regular
3 Weak
Size
annual sales of £7.2b, make it larger than the average company (£1.2m)
£7.2b - Aviva Life & Pensions Uk Limited
£1.2m - Industry AVG
Growth
3 year (CAGR) sales growth of -25%, show it is growing at a slower rate (8.5%)
-25% - Aviva Life & Pensions Uk Limited
8.5% - Industry AVG
Production
with a gross margin of 7.9%, this company has a higher cost of product (99.7%)
7.9% - Aviva Life & Pensions Uk Limited
99.7% - Industry AVG
Profitability
an operating margin of 22.4% make it more profitable than the average company (7.4%)
22.4% - Aviva Life & Pensions Uk Limited
7.4% - Industry AVG
Employees
with 52742 employees, this is above the industry average (16)
- Aviva Life & Pensions Uk Limited
16 - Industry AVG
Pay Structure
on an average salary of £61.2k, the company has an equivalent pay structure (£61.2k)
- Aviva Life & Pensions Uk Limited
£61.2k - Industry AVG
Efficiency
resulting in sales per employee of £136.7k, this is equally as efficient (£136.7k)
- Aviva Life & Pensions Uk Limited
£136.7k - Industry AVG
Debtor Days
it gets paid by customers after 88 days, this is earlier than average (236 days)
88 days - Aviva Life & Pensions Uk Limited
236 days - Industry AVG
Creditor Days
There is insufficient data available for this Key Performance Indicator!
- - Aviva Life & Pensions Uk Limited
- - Industry AVG
Stock Days
There is insufficient data available for this Key Performance Indicator!
- - Aviva Life & Pensions Uk Limited
- - Industry AVG
Cash Balance
has cash to cover current liabilities for 3 weeks, this is less cash available to meet short term requirements (9 weeks)
3 weeks - Aviva Life & Pensions Uk Limited
9 weeks - Industry AVG
Debt Level
it has a ratio of liabilities to total assets of 98.5%, this is a similar level of debt than the average (92.6%)
98.5% - Aviva Life & Pensions Uk Limited
92.6% - Industry AVG
AVIVA LIFE & PENSIONS UK LIMITED financials
Aviva Life & Pensions Uk Limited's latest turnover from December 2023 is £7.2 billion and the company has net assets of £4.3 billion. According to their latest financial statements, we estimate that Aviva Life & Pensions Uk Limited has 52,742 employees and maintains cash reserves of £17.3 billion as reported in the balance sheet.
Data source: Companies House, Pomanda Estimates
| Dec 2023 | Dec 2022 | Dec 2021 | Dec 2020 | Dec 2019 | Dec 2018 | Dec 2017 | Dec 2016 | Dec 2015 | Dec 2014 | Dec 2013 | Dec 2012 | Dec 2011 | Dec 2010 | Dec 2009 | |
|---|---|---|---|---|---|---|---|---|---|---|---|---|---|---|---|
| Turnover | 7,211,000,000 | 6,526,000,000 | 20,950,000,000 | 17,061,000,000 | 32,461,000,000 | 11,408,000,000 | 14,145,000,000 | 9,324,000,000 | 5,460,000,000 | 13,144,000,000 | 12,822,000,000 | 8,414,000,000 | 4,115,000,000 | 11,177,000,000 | 7,562,000,000 |
| Other Income Or Grants | |||||||||||||||
| Cost Of Sales | 6,640,000,000 | 6,517,000,000 | |||||||||||||
| Gross Profit | 571,000,000 | 9,000,000 | |||||||||||||
| Admin Expenses | |||||||||||||||
| Operating Profit | |||||||||||||||
| Interest Payable | -4,377,000,000 | -3,572,000,000 | -6,251,000,000 | 1,283,000,000 | 3,805,000,000 | 2,953,000,000 | 75,000,000 | 46,000,000 | 50,000,000 | 58,000,000 | 92,000,000 | 30,000,000 | 81,000,000 | ||
| Interest Receivable | |||||||||||||||
| Pre-Tax Profit | 938,000,000 | -1,420,000,000 | 714,000,000 | 2,779,000,000 | 1,834,000,000 | 574,000,000 | -13,967,000,000 | 500,000,000 | 565,000,000 | 711,000,000 | 1,014,000,000 | 547,000,000 | -98,000,000 | 773,000,000 | 995,000,000 |
| Tax | -383,000,000 | 938,000,000 | -337,000,000 | -516,000,000 | -699,000,000 | 262,000,000 | -388,000,000 | -467,000,000 | -115,000,000 | ||||||
| Profit After Tax | 555,000,000 | -482,000,000 | 377,000,000 | 2,263,000,000 | 1,135,000,000 | 262,000,000 | -388,000,000 | 33,000,000 | 450,000,000 | 368,000,000 | 883,000,000 | 497,000,000 | 112,000,000 | 362,000,000 | 671,000,000 |
| Dividends Paid | 1,022,000,000 | 250,000,000 | 1,294,000,000 | 2,241,000,000 | 671,000,000 | 930,000,000 | 569,000,000 | 305,000,000 | 299,000,000 | 123,000,000 | 235,000,000 | 515,000,000 | |||
| Retained Profit | 555,000,000 | -482,000,000 | -645,000,000 | 2,013,000,000 | -159,000,000 | -1,979,000,000 | -1,059,000,000 | -897,000,000 | -119,000,000 | 63,000,000 | 584,000,000 | 374,000,000 | -123,000,000 | -153,000,000 | 671,000,000 |
| Employee Costs | 19,000,000 | 6,600,000 | |||||||||||||
| Number Of Employees | |||||||||||||||
| EBITDA* |
* Earnings Before Interest, Tax, Depreciation and Amortisation
| Dec 2023 | Dec 2022 | Dec 2021 | Dec 2020 | Dec 2019 | Dec 2018 | Dec 2017 | Dec 2016 | Dec 2015 | Dec 2014 | Dec 2013 | Dec 2012 | Dec 2011 | Dec 2010 | Dec 2009 | |
|---|---|---|---|---|---|---|---|---|---|---|---|---|---|---|---|
| Tangible Assets | 5,006,000,000 | 6,180,000,000 | 5,391,000,000 | 4,473,000,000 | 6,517,000,000 | 7,342,000,000 | 7,526,000,000 | 4,241,000,000 | 5,362,000,000 | 5,607,000,000 | 5,117,000,000 | 6,910,000,000 | 72,167,000,000 | 10,801,000,000 | 10,313,000,000 |
| Intangible Assets | 25,000,000 | 32,000,000 | 44,000,000 | 58,000,000 | 79,000,000 | 73,000,000 | 92,000,000 | 112,000,000 | 117,000,000 | 93,000,000 | 149,000,000 | ||||
| Investments & Other | 3,903,000,000 | 4,416,000,000 | |||||||||||||
| Debtors (Due After 1 year) | 537,000,000 | 872,000,000 | |||||||||||||
| Total Fixed Assets | 4,469,000,000 | 5,308,000,000 | 5,416,000,000 | 4,505,000,000 | 6,561,000,000 | 7,400,000,000 | 7,605,000,000 | 4,314,000,000 | 5,454,000,000 | 5,719,000,000 | 5,234,000,000 | 7,003,000,000 | 72,316,000,000 | 10,801,000,000 | 10,313,000,000 |
| Stock & work in progress | |||||||||||||||
| Trade Debtors | 1,756,000,000 | 1,789,000,000 | 76,842,000,000 | 70,254,000,000 | 62,079,000,000 | 56,085,000,000 | 59,252,000,000 | 33,307,000,000 | 6,353,000,000 | 6,381,000,000 | 5,282,000,000 | 4,226,000,000 | 525,000,000 | 2,805,000,000 | 2,673,000,000 |
| Group Debtors | |||||||||||||||
| Misc Debtors | 2,012,000,000 | 1,761,000,000 | |||||||||||||
| Cash | 17,273,000,000 | 21,311,000,000 | 23,331,000,000 | 20,720,000,000 | 22,239,000,000 | 23,155,000,000 | 22,415,000,000 | 9,853,000,000 | 8,470,000,000 | 7,573,000,000 | 7,863,000,000 | 6,720,000,000 | 5,870,000,000 | 6,201,000,000 | 7,945,000,000 |
| misc current assets | 248,742,000,000 | 227,377,000,000 | 242,868,000,000 | 236,084,000,000 | 221,055,000,000 | 202,642,000,000 | 216,479,000,000 | 89,686,000,000 | 82,879,000,000 | 81,332,000,000 | 79,696,000,000 | 77,490,000,000 | 16,944,000,000 | 75,366,000,000 | 70,790,000,000 |
| total current assets | 269,862,000,000 | 252,344,000,000 | 348,544,000,000 | 334,081,000,000 | 310,544,000,000 | 287,096,000,000 | 303,299,000,000 | 144,958,000,000 | 107,825,000,000 | 105,161,000,000 | 98,873,000,000 | 90,434,000,000 | 25,125,000,000 | 86,127,000,000 | 83,417,000,000 |
| total assets | 274,331,000,000 | 257,652,000,000 | 353,960,000,000 | 338,586,000,000 | 317,105,000,000 | 294,496,000,000 | 310,904,000,000 | 149,272,000,000 | 113,279,000,000 | 110,880,000,000 | 104,107,000,000 | 97,437,000,000 | 97,441,000,000 | 96,928,000,000 | 93,730,000,000 |
| Bank overdraft | 700,000,000 | 725,000,000 | 1,106,000,000 | 1,433,000,000 | 1,317,000,000 | 451,000,000 | 2,387,000,000 | 556,000,000 | 258,000,000 | 257,000,000 | 6,175,000,000 | 217,000,000 | 114,000,000 | ||
| Bank loan | |||||||||||||||
| Trade Creditors | 104,455,000,000 | 105,559,000,000 | 99,703,000,000 | 97,265,000,000 | 103,350,000,000 | 68,706,000,000 | 42,066,000,000 | 43,236,000,000 | 39,471,000,000 | 39,130,000,000 | 5,865,000,000 | 48,343,000,000 | 48,608,000,000 | ||
| Group/Directors Accounts | |||||||||||||||
| other short term finances | |||||||||||||||
| hp & lease commitments | |||||||||||||||
| other current liabilities | 253,881,000,000 | 233,865,000,000 | |||||||||||||
| total current liabilities | 253,881,000,000 | 233,865,000,000 | 346,527,000,000 | 330,469,000,000 | 311,094,000,000 | 288,803,000,000 | 303,548,000,000 | 144,535,000,000 | 107,648,000,000 | 105,111,000,000 | 98,684,000,000 | 92,809,000,000 | 56,876,000,000 | 92,242,000,000 | 89,190,000,000 |
| loans | 15,280,000,000 | 18,237,000,000 | |||||||||||||
| hp & lease commitments | |||||||||||||||
| Accruals and Deferred Income | |||||||||||||||
| other liabilities | 866,000,000 | 547,000,000 | |||||||||||||
| provisions | 98,000,000 | 122,000,000 | |||||||||||||
| total long term liabilities | 16,195,000,000 | 18,845,000,000 | 891,000,000 | 892,000,000 | 1,137,000,000 | 757,000,000 | 1,111,000,000 | 359,000,000 | 364,000,000 | 403,000,000 | 120,000,000 | 1,000,000 | 36,312,000,000 | 310,000,000 | 11,000,000 |
| total liabilities | 270,076,000,000 | 252,710,000,000 | 347,418,000,000 | 331,361,000,000 | 312,231,000,000 | 289,560,000,000 | 304,659,000,000 | 144,894,000,000 | 108,012,000,000 | 105,514,000,000 | 98,804,000,000 | 92,810,000,000 | 93,188,000,000 | 92,552,000,000 | 89,201,000,000 |
| net assets | 4,255,000,000 | 4,942,000,000 | 6,542,000,000 | 7,225,000,000 | 4,874,000,000 | 4,936,000,000 | 6,245,000,000 | 4,378,000,000 | 5,267,000,000 | 5,366,000,000 | 5,303,000,000 | 4,627,000,000 | 4,253,000,000 | 4,376,000,000 | 4,529,000,000 |
| total shareholders funds | 4,255,000,000 | 4,942,000,000 | 6,542,000,000 | 7,225,000,000 | 4,874,000,000 | 4,936,000,000 | 6,245,000,000 | 4,378,000,000 | 5,267,000,000 | 5,366,000,000 | 5,303,000,000 | 4,627,000,000 | 4,253,000,000 | 4,376,000,000 | 4,529,000,000 |
| Dec 2023 | Dec 2022 | Dec 2021 | Dec 2020 | Dec 2019 | Dec 2018 | Dec 2017 | Dec 2016 | Dec 2015 | Dec 2014 | Dec 2013 | Dec 2012 | Dec 2011 | Dec 2010 | Dec 2009 | |
|---|---|---|---|---|---|---|---|---|---|---|---|---|---|---|---|
| Operating Activities | |||||||||||||||
| Operating Profit | |||||||||||||||
| Depreciation | 3,000,000 | 9,000,000 | |||||||||||||
| Amortisation | |||||||||||||||
| Tax | -383,000,000 | 938,000,000 | -337,000,000 | -516,000,000 | -699,000,000 | 262,000,000 | -388,000,000 | -467,000,000 | -115,000,000 | ||||||
| Stock | |||||||||||||||
| Debtors | -117,000,000 | -72,420,000,000 | 6,588,000,000 | 8,175,000,000 | 5,994,000,000 | -3,167,000,000 | 25,945,000,000 | 26,954,000,000 | -28,000,000 | 1,099,000,000 | 1,056,000,000 | 3,701,000,000 | -2,280,000,000 | 132,000,000 | 2,673,000,000 |
| Creditors | -104,455,000,000 | -1,104,000,000 | 5,856,000,000 | 2,438,000,000 | -6,085,000,000 | 34,644,000,000 | 26,640,000,000 | -1,170,000,000 | 3,765,000,000 | 341,000,000 | 33,265,000,000 | -42,478,000,000 | -265,000,000 | 48,608,000,000 | |
| Accruals and Deferred Income | 20,016,000,000 | 233,865,000,000 | |||||||||||||
| Deferred Taxes & Provisions | -24,000,000 | 122,000,000 | |||||||||||||
| Cash flow from operations | |||||||||||||||
| Investing Activities | |||||||||||||||
| capital expenditure | |||||||||||||||
| Change in Investments | -513,000,000 | 4,416,000,000 | |||||||||||||
| cash flow from investments | |||||||||||||||
| Financing Activities | |||||||||||||||
| Bank loans | |||||||||||||||
| Group/Directors Accounts | |||||||||||||||
| Other Short Term Loans | |||||||||||||||
| Long term loans | -2,957,000,000 | 18,237,000,000 | |||||||||||||
| Hire Purchase and Lease Commitments | |||||||||||||||
| other long term liabilities | 319,000,000 | 547,000,000 | |||||||||||||
| share issue | |||||||||||||||
| interest | |||||||||||||||
| cash flow from financing | -3,880,000,000 | 17,666,000,000 | |||||||||||||
| cash and cash equivalents | |||||||||||||||
| cash | -4,038,000,000 | -2,020,000,000 | 2,611,000,000 | -1,519,000,000 | -916,000,000 | 740,000,000 | 12,562,000,000 | 1,383,000,000 | 897,000,000 | -290,000,000 | 1,143,000,000 | 850,000,000 | -331,000,000 | -1,744,000,000 | 7,945,000,000 |
| overdraft | -700,000,000 | -25,000,000 | -381,000,000 | -327,000,000 | 116,000,000 | 866,000,000 | -1,936,000,000 | 1,831,000,000 | 298,000,000 | 1,000,000 | -5,918,000,000 | 5,958,000,000 | 103,000,000 | 114,000,000 | |
| change in cash | -4,038,000,000 | -1,320,000,000 | 2,636,000,000 | -1,138,000,000 | -589,000,000 | 624,000,000 | 11,696,000,000 | 3,319,000,000 | -934,000,000 | -588,000,000 | 1,142,000,000 | 6,768,000,000 | -6,289,000,000 | -1,847,000,000 | 7,831,000,000 |
aviva life & pensions uk limited Credit Report and Business Information
Aviva Life & Pensions Uk Limited Competitor Analysis
Perform a competitor analysis for aviva life & pensions uk limited by selecting its closest rivals, whether from the FINANCIAL AND INSURANCE ACTIVITIES sector, other mega companies, companies in YO90 area or any other competitors across 12 key performance metrics.
aviva life & pensions uk limited Ownership
AVIVA LIFE & PENSIONS UK LIMITED group structure
Aviva Life & Pensions Uk Limited has 14 subsidiary companies.
Ultimate parent company
2 parents
AVIVA LIFE & PENSIONS UK LIMITED
03253947
14 subsidiaries
aviva life & pensions uk limited directors
Aviva Life & Pensions Uk Limited currently has 8 directors. The longest serving directors include Mr Michael Harris (Nov 2020) and Mr Douglas Brown (May 2021).
| officer | country | age | start | end | role |
|---|---|---|---|---|---|
| Mr Michael Harris | United Kingdom | 59 years | Nov 2020 | - | Director |
| Mr Douglas Brown | United Kingdom | 54 years | May 2021 | - | Director |
| Mr James McConville | United Kingdom | 68 years | Apr 2022 | - | Director |
| Mrs Jane Curtis | United Kingdom | 64 years | Jan 2023 | - | Director |
| Mr Michael Kellard | 63 years | Feb 2024 | - | Director | |
| Mr Adrian Parkes | United Kingdom | 48 years | Apr 2024 | - | Director |
| Mr Andrew Dinwiddie | 40 years | Apr 2024 | - | Director | |
| Mr Michael Murphy | England | 52 years | Oct 2024 | - | Director |
P&L
December 2023turnover
7.2b
+10%
operating profit
1.6b
0%
gross margin
8%
+5641.76%
turnover
Turnover, or revenue, is the amount of sales generated by a company within the financial year.
Balance Sheet
December 2023net assets
4.3b
-0.14%
total assets
274.3b
+0.06%
cash
17.3b
-0.19%
net assets
Total assets minus all liabilities
aviva life & pensions uk limited company details
company number
03253947
Type
Private limited with Share Capital
industry
65110 - Life insurance
incorporation date
September 1996
age
29
incorporated
UK
ultimate parent company
accounts
Full Accounts
last accounts submitted
December 2023
previous names
norwich union life & pensions limited (June 2009)
fileco (no.2) limited (October 1996)
accountant
-
auditor
PRICEWATERHOUSECOOPERS LLP
address
aviva wellington row, york, north yorkshire, YO90 1WR
Bank
HSBC BANK PLC
Legal Advisor
-
aviva life & pensions uk limited Charges & Mortgages
A charge, or mortgage, refers to the rights a company gives to a lender in return for a loan, often in the form of security given over business assets.
We found 90 charges/mortgages relating to aviva life & pensions uk limited. Currently there are 45 open charges and 45 have been satisfied in the past.
aviva life & pensions uk limited Capital Raised & Share Issues BETA
When a company issues new shares, e.g. to new investors following a funding round, it is required to notify Companies House within one month of making an allotment of shares.
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aviva life & pensions uk limited Companies House Filings - See Documents
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