PHOENIX LIFE ASSURANCE LIMITED
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Next accounts due
2026-09-30 (in 4mo)
Last filed for 2024-12-31
Confirmation statement due
2026-06-09 (in 1mo)
Last made up 2025-05-26
Watchouts
None on the register
Cash
£38K
-57.3% vs 2023
Net assets
£288K
-93.5% vs 2023
Employees
0
Average over period
Profit before tax
£152K
-98.9% vs 2023
Name history
Renamed 10 times since incorporation
- PHOENIX LIFE ASSURANCE LIMITED 2012-09-28 → present
- PEARL ASSURANCE LIMITED 2010-06-25 → 2012-09-28
- PEARL ASSURANCE PUBLIC LIMITED COMPANY 2007-04-19 → 2010-06-25
- PEARL ASSURANCE LIMITED 2006-11-28 → 2007-04-19
- PEARL ASSURANCE PUBLIC LIMITED COMPANY 2005-11-28 → 2006-11-28
- PEARL ASSURANCE LIMITED 2005-07-25 → 2005-11-28
- PEARL ASSURANCE PUBLIC LIMITED COMPANY 2005-05-06 → 2005-07-25
- PEARL ASSURANCE LIMITED 2005-03-31 → 2005-05-06
- PEARL ASSURANCE PUBLIC LIMITED COMPANY 1982-01-04 → 2005-03-31
- PEARL ASSURANCE COMPANY LIMITED 1914-04-09 → 1982-01-04
- PEARL LIFE ASSURANCE COMPANY LIMITED 1864-07-11 → 1914-04-09
Net assets
2-year trend · vs Financials median
Accounts
2-year trend · latest reflected 2024-12-31
| Metric | Trend | 2023-12-31 | 2024-12-31 |
|---|---|---|---|
| Turnover | £106,000,000 | £0 | |
| Operating profit | — | — | |
| Profit before tax | £14,000,000 | £152,000 | |
| Net profit | £5,000,000 | £113,000 | |
| Cash | £89,000 | £38,000 | |
| Total assets less current liabilities | — | — | |
| Net assets | £4,444,000 | £288,000 | |
| Equity | £4,444,000 | £288,000 | |
| Average employees | 0 | 0 | |
| Wages | — | — |
Values shown as filed in the company's annual accounts. — indicates the figure wasn't present under that line item in that period. About these numbers
Ratios
Computed from the line items above — sparklines read oldest → newest
| Ratio | Trend | 2023-12-31 | 2024-12-31 |
|---|---|---|---|
| Net margin | 4.7% | — | |
| Gearing (liabilities / total assets) | 0.0% | 0.0% |
Margins divide P&L lines by turnover. Gearing is liabilities over total assets. Current ratio is current assets over creditors falling due within one year. Interest cover is operating profit over absolute finance costs. Sector-distribution context coming next.
Audit & accounting basis
- Accounting basis
- FRS 102, FRS 103 (UK GAAP)
- Reporting scope
- Standalone (parent only)
- Auditor
- KPMG LLP
- Audit opinion
- Unqualified (clean)
- Going concern
- Affirmed
“As a result of this review, the Directors believe the Company has adequate resources to continue in operational existence over the going concern period assessed for no less than 12 months from the date of publishing these financial statements. Accordingly, they continue to adopt the going concern basis in preparing the financial statements.”
Group structure
- PHOENIX LIFE ASSURANCE LIMITED · parent
- London Life Trustees Limited 100%
- National Provident Life Limited 100%
- NP Life Holdings Limited 100%
- NPI (Westgate) Limited 100%
- NPI (Printworks) Limited 100%
- Phoenix (Barwell 2) Limited 100%
- Phoenix (Chiswick House) Limited 100%
- Phoenix (Moor House 1) Limited 100%
- Phoenix (Moor House 2) Limited 100%
- Phoenix (Printworks) Limited 100%
- Phoenix (Stockley Park) Limited 100%
- Pearl Trustees Limited 100%
- The London Life Association Limited 100%
Auditor, going-concern and subsidiary information is drawn from the narrative of the latest annual accounts. About these numbers
People
3 active · 89 resigned
| Name | Role | Appointed | Born | Nationality |
|---|---|---|---|---|
| PEARL GROUP SECRETARIAT SERVICES LIMITED | Corporate Secretary | 2011-08-15 | — | — |
| BUFFHAM, James Bryan | Director | 2025-01-31 | Dec 1977 | British |
| HAYDEN-CAREY, Lindsey Jayne | Director | 2025-09-02 | May 1986 | British |
Show 89 resigned officers
| Name | Role | Appointed | Resigned |
|---|---|---|---|
| BEVITT, Robin Wilfrid | Secretary | — | 1993-09-30 |
| DELANY, Geoffrey | Secretary | 1993-10-01 | 2000-10-17 |
| WATSON, Gerald Alistair | Secretary | 2000-10-17 | 2011-08-15 |
| BATCHELOR, Paul John | Director | 1999-08-19 | 2002-09-24 |
| BATES, Malcolm Rowland, Sir | Director | 1999-07-29 | 2005-02-28 |
| BEVITT, Robin Wilfrid | Director | — | 1993-09-30 |
| BOWE, Amanda Helen | Director | 2018-08-31 | 2024-04-30 |
| BOWLES, Godfrey Edward | Director | — | 1994-08-31 |
| BRIGGS, Andrew David | Director | 2022-10-01 | 2025-02-01 |
| CAIRNS, Arlene | Director | 2024-04-01 | 2025-02-01 |
| CARR, Peter Stafford | Director | 2000-06-07 | 2001-04-04 |
| CHEESEMAN, David Richard | Director | 2017-09-15 | 2019-07-17 |
| CLARKE, Stephen Andrew | Director | 2015-10-12 | 2022-10-01 |
| COOK, Karin Alexandra | Director | 2024-05-01 | 2025-02-01 |
| COOK, Rodney Malcolm | Director | 1999-07-08 | 2001-07-02 |
| CORMACK, Ian Donald | Director | 2005-04-28 | 2009-09-10 |
| COSTAIN, Peter John | Director | 1999-07-29 | 2005-02-28 |
| CRASTON, Ian Adam | Director | 2023-06-01 | 2025-02-01 |
| CROSS BROWN, Tom | Director | 2005-04-28 | 2009-09-10 |
| CURRAN, Bernard Andrew | Director | 2020-10-01 | 2025-02-01 |
| CUSINS, John Robert | Director | 2005-09-06 | 2009-09-02 |
| DALE, Manjit | Director | 2005-04-13 | 2009-09-02 |
| DAVIDSON, Anthony Beverley | Director | 2009-11-25 | 2015-10-12 |
| DAVIES, David Wyndham | Director | 1994-08-26 | 1997-03-31 |
| DAVIES, David Wyndham | Director | — | 1992-03-30 |
| DE CURE, Marc Joseph | Director | 2001-02-21 | 2002-10-15 |
| DELANY, Geoffrey | Director | 1994-12-01 | 1999-07-28 |
| DIVERS, James | Director | 1997-02-27 | 1999-02-26 |
| DUNN, Craig William | Director | 2002-07-18 | 2002-09-24 |
| EAKINS, Michael John | Director | 2020-07-23 | 2022-10-01 |
| EVANS, Jonathan Peter | Director | 2009-11-02 | 2016-08-31 |
| EVANS, Jonathan Peter | Director | 2005-04-28 | 2009-09-10 |
| FERGUSON, Duncan George Robin | Director | 2004-09-10 | 2005-03-31 |
| FITZJOHN, Marianne | Director | 2001-07-23 | 2001-10-09 |
| FRASER, Thomas Aird | Director | 2001-01-15 | 2002-11-02 |
| FURNESS, David Clemens | Director | — | 1992-05-01 |
| GALLAGHER, James Daniel | Director | 2020-07-23 | 2021-09-30 |
| GILL, Jora Singh | Director | 2023-06-01 | 2025-02-01 |
| GORDON, David Michael | Director | — | 1994-12-27 |
| GUPTA, Ashok Kumar | Director | 2005-04-13 | 2008-05-06 |
| HARRIS, Rosemary | Director | 2022-01-01 | 2025-02-01 |
| HARRIS, Timothy Walter | Director | 2022-05-01 | 2025-02-01 |
| HASSALL, Margaret Grace | Director | 2020-07-23 | 2023-03-31 |
| HODGKINSON, William Malcolm | Director | 1992-05-01 | 1995-06-30 |
| HOTSON, Anthony Charles | Director | 2002-11-29 | 2004-09-15 |
| HOUGHTON, Richard David | Director | 2018-08-31 | 2019-12-31 |
| HUNTLEY, David Charles | Director | 2008-06-05 | 2009-09-02 |
| JOHNSON, Peter Thomas | Director | 1999-06-23 | 2000-04-11 |
| LAUGHLIN, Ian William | Director | 2003-01-28 | 2006-03-31 |
| LEVER, Colin David | Director | 1999-07-29 | 2003-07-31 |
| LISTER, John Robert | Director | 2016-09-01 | 2025-02-01 |
| LUSCOMBE, Kerr | Director | 2009-10-20 | 2010-02-09 |
| MAIDENS, Ian Graham | Director | 2008-07-10 | 2008-08-22 |
| MAYES, Peter Kane | Director | 2022-10-01 | 2024-03-31 |
| MCINNES, Susan Davidson | Director | 2018-04-18 | 2018-08-31 |
| MEANEY, Brid Mary | Director | 2021-04-01 | 2024-08-19 |
| MEEHAN, Brendan Joseph | Director | 2001-10-01 | 2003-07-03 |
| MERRICK, Michael John | Director | 2008-12-30 | 2014-05-19 |
| MILLER, Diana Susan | Director | 2015-05-21 | 2019-12-31 |
| MOHAMMED, Shamira | Director | 2014-10-07 | 2017-06-26 |
| MOORE, Philip Wynford | Director | 2001-02-21 | 2002-10-15 |
| MOSS, Andrew | Director | 2010-06-10 | 2022-10-01 |
| MOSS, Jonathan Stephen | Director | 2003-07-03 | 2009-10-06 |
| OSMOND, Hugh Edward Mark | Director | 2005-04-13 | 2009-09-02 |
| PARK, Jean Craig | Director | 2010-04-01 | 2013-06-19 |
| PEARS, Jonathan Robson, Dr | Director | 2018-08-31 | 2022-10-01 |
| PERCIVAL, Stephen Keith | Director | 2019-07-17 | 2021-03-31 |
| POYNTZ-WRIGHT, Nicholas Hugh | Director | 2016-05-03 | 2024-12-31 |
| RICHARDSON, David Louis | Director | 2012-04-26 | 2013-01-31 |
| ROSS, Michael David | Director | 2005-04-28 | 2016-03-31 |
| SHRIMPTON, Terence George | Director | 1995-09-14 | 2000-12-15 |
| SIMMONDS, John Robert | Director | 2001-07-23 | 2001-10-10 |
| SIMMONS, Philip Richard | Director | 1994-12-01 | 1996-11-01 |
| SMITH, John Simon Bertie | Director | 2006-03-31 | 2010-03-25 |
| SNOW, Anthony Wayne | Director | 2013-08-08 | 2018-03-15 |
| SURFACE, Richard Charles | Director | 1995-01-31 | 1999-06-23 |
| SUTTON, Kerry Elizabeth | Director | 2025-01-31 | 2026-04-30 |
| THAKRAR, Rakesh Kishore | Director | 2022-10-01 | 2024-07-31 |
| THAKRAR, Rakesh Kishore | Director | 2018-07-23 | 2020-05-15 |
| THOMPSON, Trevor James | Director | 2001-07-23 | 2001-10-10 |
| TREEN, William Raymond | Director | 2005-04-28 | 2015-05-21 |
| TRUE, Simon Charles | Director | 2013-09-02 | 2018-03-09 |
| TRUMBULL III, George Rea | Director | 1999-07-29 | 1999-09-24 |
| URMSTON, Michael Norris | Director | 2010-01-18 | 2021-10-31 |
| VARLEY, Joanna Elizabeth | Director | 2001-07-23 | 2001-10-09 |
| WADE, Timothy Cardwell | Director | 2001-07-23 | 2001-10-09 |
| WELLS, William Henry Weston, Sir | Director | 1999-07-29 | 2005-03-31 |
| WORNER, Ian Claude | Director | — | 1994-12-02 |
| YATES, Jonathan James | Director | 2010-06-24 | 2011-12-21 |
Ownership
Persons with significant control
| Name | Kind | Nature of control | Notified | Status |
|---|---|---|---|---|
| Pearl Group Holdings (No.2) Limited | Corporate entity | Shares 75–100%, Voting 75–100%, Appoints directors | 2016-04-06 | Active |
Filing timeline
Last 20 of 519 total filings
| Date | Type | Category | Description | |
|---|---|---|---|---|
| 2026-04-30 | TM01 | officers | Termination director company with name termination date | |
| 2025-11-11 | AD01 | address | Change registered office address company with date old address new address | |
| 2025-11-11 | PSC05 | persons-with-significant-control | Change to a person with significant control | |
| 2025-11-10 | CH04 | officers | Change corporate secretary company with change date | |
| 2025-09-22 | AA | accounts | Accounts with accounts type full | |
| 2025-09-02 | AP01 | officers | Appoint person director company with name date | |
| 2025-06-02 | CS01 | confirmation-statement | Confirmation statement with no updates | |
| 2025-06-02 | CH01 | officers | Change person director company with change date | |
| 2025-02-03 | TM01 | officers | Termination director company with name termination date | |
| 2025-02-03 | TM01 | officers | Termination director company with name termination date | |
| 2025-02-03 | TM01 | officers | Termination director company with name termination date | |
| 2025-02-03 | TM01 | officers | Termination director company with name termination date | |
| 2025-02-03 | TM01 | officers | Termination director company with name termination date | |
| 2025-02-03 | TM01 | officers | Termination director company with name termination date | |
| 2025-02-03 | TM01 | officers | Termination director company with name termination date | |
| 2025-02-03 | TM01 | officers | Termination director company with name termination date | |
| 2025-02-03 | TM01 | officers | Termination director company with name termination date | |
| 2025-01-31 | AP01 | officers | Appoint person director company with name date | |
| 2025-01-31 | AP01 | officers | Appoint person director company with name date | |
| 2025-01-02 | TM01 | officers | Termination director company with name termination date |
Public-record activity
Raw counts from Companies House — last 12–24 months
- Filings
- 8
- Capital events
- 0
- Officers appointed
- 1
- Officers resigned
- 1
last 12 months
last 24 months
last 12 months
last 12 months
Direct counts from the register. No score, no rating — see the Filing timeline for the underlying events.
Year-on-year
FY2023 → FY2024 · period ending 2024-12-31 vs 2023-12-31
-
Turnover
-100%
£106,000,000 £0
-
Cash
-57.3%
£89,000 £38,000
-
Net assets
-93.5%
£4,444,000 £288,000
-
Employees
—
Not reported
-
Profit before tax
-98.9%
£14,000,000 £152,000
Each % is (latest − prior) ÷ |prior| for the line item as filed. The comparison is only shown when the latest and prior accounts cover broadly equal-length periods — short or long stubs (typical around incorporation or a year-end change) are suppressed rather than misrepresented. Lines a company doesn't report are omitted. About these numbers