AVIVA EQUITY RELEASE UK LIMITED
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Next accounts due
2027-09-30 (in 1y)
Last filed for 2025-12-31
Confirmation statement due
2026-10-15 (in 5mo)
Last made up 2025-10-01
Watchouts
None on the register
Cash
£110M
+5.7% vs 2024
Net assets
£224M
-1.8% vs 2024
Employees
—
Average over period
Profit before tax
£35M
-39.3% vs 2024
Net assets
2-year trend · vs Financials median
Accounts
2-year trend · latest reflected 2025-12-31
| Metric | Trend | 2024-12-31 | 2025-12-31 |
|---|---|---|---|
| Turnover | £157,900,000 | £143,400,000 | |
| Operating profit | £96,800,000 | £75,900,000 | |
| Profit before tax | £56,800,000 | £34,500,000 | |
| Net profit | £42,600,000 | £25,900,000 | |
| Cash | £103,700,000 | £109,600,000 | |
| Total assets less current liabilities | — | — | |
| Net assets | £228,200,000 | £224,100,000 | |
| Equity | £228,200,000 | £224,100,000 | |
| Average employees | — | — | |
| 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 | 2024-12-31 | 2025-12-31 |
|---|---|---|---|
| Operating margin | 61.3% | 52.9% | |
| Net margin | 27.0% | 18.1% | |
| Gearing (liabilities / total assets) | 65.8% | 67.6% | |
| Current ratio | 7.04x | 3.93x | |
| Interest cover | 2.42x | 1.83x |
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
- IFRS
- Reporting scope
- Standalone (parent only)
- Auditor
- Ernst & Young LLP
- Audit opinion
- Unqualified (clean)
- Going concern
- Affirmed
“After making an assessment, the directors have a reasonable expectation that the Company has adequate resources to continue in operational existence for a period of at least twelve months from the date of approval of the financial statements to 23 April 2027. For this reason, they continue to adopt, and to consider appropriate, the going concern basis in preparing the financial statements.”
Group structure
- AVIVA EQUITY RELEASE UK LIMITED · parent
- Equity Release Funding (No.1) plc
- Equity Release Funding (No.2) plc
- Equity Release Funding (No.3) plc
- Equity Release Funding (No.4) plc
- Equity Release Funding (No.5) plc
Significant events
- “On 16 December 2025, a cash dividend of £30 million was paid from the Company up to its parent entity, Aviva Life & Pensions UK Limited (UKLAP).”
Auditor, going-concern and subsidiary information is drawn from the narrative of the latest annual accounts. About these numbers
People
5 active · 57 resigned
| Name | Role | Appointed | Born | Nationality |
|---|---|---|---|---|
| AVIVA COMPANY SECRETARIAL SERVICES LIMITED | Corporate Secretary | 2000-09-29 | — | — |
| BILLINGTON, Colin Barrie | Director | 2025-10-07 | Sep 1980 | British |
| ELLIOT, David | Director | 2022-10-18 | Sep 1973 | British |
| LAYDEN, Sarah Jean | Director | 2025-08-21 | Sep 1974 | British |
| MURPHY, Michael Anthony | Director | 2025-02-06 | Apr 1972 | Irish |
Show 57 resigned officers
| Name | Role | Appointed | Resigned |
|---|---|---|---|
| JONES, Edward Graham | Secretary | 1997-01-09 | 1998-06-30 |
| MARKS, Jonathan Andrew David | Secretary | 1996-12-02 | 1997-01-09 |
| PARKER, David Ernest | Secretary | 1998-07-01 | 2000-09-29 |
| ABERCROMBY, Keith William | Director | 2005-11-28 | 2006-09-14 |
| AGIUS, Cheryl Margaret | Director | 2022-01-11 | 2024-05-16 |
| ANDERSON, Charles Andrew | Director | 1999-06-24 | 2001-09-24 |
| BARRAL, David Barclay | Director | 2009-06-10 | 2011-01-26 |
| BIGGS, Michael Nicholas | Director | 1998-10-28 | 2000-09-01 |
| BOFFEY, Graham Stirling | Director | 2010-08-05 | 2012-12-05 |
| BOLTON, Clive Grant | Director | 2011-01-17 | 2017-05-05 |
| BRIDGEWATER, Allan | Director | 1997-01-09 | 1998-06-30 |
| BROWN, Douglas Allan | Director | 2021-05-18 | 2022-03-30 |
| CARTER, Daren Roy | Director | 2006-03-20 | 2006-12-22 |
| COLTON, Craig Anthony | Director | 2013-01-25 | 2016-01-31 |
| CURRAN, Bernard Andrew | Director | 2011-08-08 | 2012-12-18 |
| DALTON-BROWN, David Martin | Director | 1998-10-28 | 1999-12-09 |
| DARLINGTON, Angela Jane | Director | 2020-02-07 | 2021-04-30 |
| DINWIDDIE, Andrew Maitland | Director | 2025-09-20 | 2025-10-06 |
| DRAGE, Michelle | Director | 2011-01-10 | 2011-07-29 |
| DRAGE, Michelle Chaya-Stewart, Dr | Director | 2011-01-10 | 2011-01-10 |
| FREEMAN, Christopher | Director | 1999-12-09 | 2000-10-09 |
| HARVEY, Richard John | Director | 1997-01-09 | 1998-06-30 |
| HAYES, Stephen James | Director | 2018-07-20 | 2022-02-21 |
| HODGES, Mark Steven | Director | 2007-02-12 | 2010-04-30 |
| HUGHES, Russell John | Director | 2004-05-06 | 2007-02-13 |
| JAMES, Glen William | Director | 1996-12-02 | 1997-01-09 |
| JOHNSON, Peter Thomas | Director | 2000-12-15 | 2001-06-30 |
| KELLY, Mark Peter | Director | 1999-11-17 | 2006-12-18 |
| KEW, Howard Roger | Director | 2002-05-10 | 2007-02-13 |
| KIRSCH, Michael Terence | Director | 1999-12-09 | 2006-09-14 |
| LARKIN, Anthony Paul David | Director | 2023-06-09 | 2025-09-19 |
| LISTER, John Robert | Director | 2009-07-09 | 2010-11-29 |
| MADIGAN, Timothy Kevin | Director | 1998-10-28 | 1999-12-09 |
| MARKS, Jonathan Andrew David | Director | 1996-12-02 | 1997-01-09 |
| MARSDEN, Simon Roger | Director | 2012-12-18 | 2020-01-06 |
| MCGILL, Matthew Ross | Director | 2021-10-28 | 2025-04-27 |
| MUIR, Martin John | Director | 2017-12-11 | 2020-03-24 |
| NEILSON, Gregory Robert | Director | 2020-01-07 | 2021-06-17 |
| NEVILLE, Patrick John | Director | 2010-11-11 | 2011-09-01 |
| NICANDROU, Nicolaos | Director | 2006-11-30 | 2009-04-27 |
| NICOL, Judith | Director | 2010-11-22 | 2018-03-08 |
| PARKER, David Ernest | Director | 1998-06-29 | 1998-10-28 |
| PERKINS, Keith Michael | Director | 1999-12-09 | 2001-03-19 |
| PHILLIPS, Sarah Louise | Director | 2013-01-17 | 2013-07-24 |
| RILEY, Cathryn Elizabeth | Director | 2007-02-12 | 2008-12-31 |
| RIX, Lindsey Claire | Director | 2017-09-04 | 2020-04-29 |
| ROBINSON, Stuart Edmund | Director | 2018-03-28 | 2021-11-30 |
| RUSSELL, Andrew Christopher | Director | 2015-01-27 | 2018-03-28 |
| SCOTT, Philip Gordon | Director | 1999-12-09 | 2000-12-15 |
| SINGH, Chetan | Director | 2021-07-26 | 2022-05-31 |
| STRAUSS, Toby Emil | Director | 2009-02-11 | 2011-01-26 |
| TIPPLE, Madoc | Director | 2021-12-01 | 2023-06-09 |
| URMSTON, Michael Norris | Director | 2001-09-24 | 2005-11-28 |
| WARD, Mary Elizabeth | Director | 1998-06-29 | 1998-10-28 |
| WESTBY, John Francis | Director | 2000-12-15 | 2007-02-13 |
| WESTBY, John Francis Waring | Director | 1998-10-28 | 1999-12-09 |
| WOODFORD, Julian Ray | Director | 2011-09-01 | 2013-06-20 |
Ownership
Persons with significant control
| Name | Kind | Nature of control | Notified | Status |
|---|---|---|---|---|
| Aviva Life & Pensions Uk Limited | Corporate entity | Shares 75–100%, Voting 75–100%, Appoints directors | 2016-04-06 | Active |
Filing timeline
Last 20 of 252 total filings
| Date | Type | Category | Description | |
|---|---|---|---|---|
| 2026-05-07 | AA | accounts | Accounts with accounts type full | |
| 2025-10-20 | TM01 | officers | Termination director company with name termination date | |
| 2025-10-20 | AP01 | officers | Appoint person director company with name date | |
| 2025-10-08 | CS01 | confirmation-statement | Confirmation statement with no updates | |
| 2025-09-28 | AP01 | officers | Appoint person director company with name date | |
| 2025-09-28 | TM01 | officers | Termination director company with name termination date | |
| 2025-08-26 | AP01 | officers | Appoint person director company with name date | |
| 2025-05-08 | TM01 | officers | Termination director company with name termination date | |
| 2025-05-01 | CS01 | confirmation-statement | Confirmation statement with no updates | |
| 2025-04-17 | AA | accounts | Accounts with accounts type full | |
| 2025-02-10 | AP01 | officers | Appoint person director company with name date | |
| 2024-11-08 | CH01 | officers | Change person director company with change date | |
| 2024-05-23 | TM01 | officers | Termination director company with name termination date | |
| 2024-05-04 | AA | accounts | Accounts with accounts type full | |
| 2024-05-01 | CS01 | confirmation-statement | Confirmation statement with no updates | |
| 2024-04-03 | CH04 | officers | Change corporate secretary company with change date | |
| 2024-02-14 | CH01 | officers | Change person director company with change date | |
| 2024-02-13 | CH01 | officers | Change person director company with change date | |
| 2023-06-14 | TM01 | officers | Termination director company with name termination date | |
| 2023-06-14 | AP01 | officers | Appoint person director company with name date |
Public-record activity
Raw counts from Companies House — last 12–24 months
- Filings
- 9
- Capital events
- 0
- Officers appointed
- 2
- Officers resigned
- 2
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
FY2024 → FY2025 · period ending 2025-12-31 vs 2024-12-31
-
Turnover
-9.2%
£157,900,000 £143,400,000
-
Cash
+5.7%
£103,700,000 £109,600,000
-
Net assets
-1.8%
£228,200,000 £224,100,000
-
Employees
—
Not reported
-
Operating profit
-21.6%
£96,800,000 £75,900,000
-
Profit before tax
-39.3%
£56,800,000 £34,500,000
Each % is (latest − prior) ÷ |prior| for the line item as filed. Periods don't have to be exactly 12 months apart — a long or short period (typical around incorporation or year-end changes) will distort the comparison. Lines a company doesn't report are omitted. About these numbers