PHOENIX LIFE ASSURANCE LIMITED
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Cash
£39k
+2.6% vs 2024
Net assets
£289k
+0.3% vs 2024
Employees
0
Average over period
Profit before tax
£1
-100% lowest in 3 filed years
Net assets
3-year trend · vs Financials median
PHOENIX LIFE ASSURANCE LIMITED·Financials median
PHOENIX LIFE ASSURANCE LIMITED·Financials median
PHOENIX LIFE ASSURANCE LIMITED·Financials median
PHOENIX LIFE ASSURANCE LIMITED·Financials median
PHOENIX LIFE ASSURANCE LIMITED·Financials median
Accounts
3-year trend · Δ = latest vs prior filed period · latest reflected 2025-12-31
| Metric | Trend | 2023-12-31 | 2024-12-31 | 2025-12-31 | Δ vs prior |
|---|---|---|---|---|---|
| Turnover | £106,000,000 | £0 | — | — | |
| Operating profit | — | £154,000 | £0 | -100% | |
| Profit before tax | £14,000,000 | £152,000 | £1 | -100% | |
| Net profit | £5,000,000 | £113,000 | £1 | -100% | |
| Cash | £89,000 | £38,000 | £39,000 | +2.6% | |
| Total assets less current liabilities | — | £288,000 | £289,000 | +0.3% | |
| Net assets | £4,444,000 | £288,000 | £289,000 | +0.3% | |
| Equity | £4,444,000 | £288,000 | £289,000 | +0.3% | |
| Average employees | 0 | 0 | 0 | — | |
| Wages | — | — | — | — | |
| Directors' remuneration | — | £0 | £0 | — | |
| Directors' pension contributions | £3,000 | £1,000 | — | — | |
| Highest paid director | £448,000 | £91,000 | — | — |
Values shown as filed in the company's annual accounts. — indicates the figure wasn't present under that line item in that period. The Δ column is the change from the prior filed period as a percentage of |prior|; lines a company doesn't report show —. About these numbers
Ratios
Computed from the line items above — sparklines read oldest → newest
| Ratio | Trend | 2023-12-31 | 2024-12-31 | 2025-12-31 |
|---|---|---|---|---|
| Net margin | 4.7% | — | — | |
| Return on capital employed | — | 53.5% | 0.0% | |
| Gearing (liabilities / total assets) | 0.0% | 0.0% | 0.0% | |
| Interest cover | — | 5.92x | — |
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.
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
Audit & accounting basis
- Accounting basis
- FRS 102
- Reporting scope
- Standalone (parent only)
- Audit opinion
- Unaudited (audit-exempt)
- Going concern
- Affirmed
“Having reviewed the position in light of the UK Financial Reporting Council’s guidance issued in February 2025 ‘Guidance on the Going Concern Basis of Accounting and Related Reporting’, the Directors have a reasonable expectation that the Company has adequate resources to continue in operational existence for a period of at least 12 months from the date of approval of these 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%
- Pearl Trustees Limited 100%
- The London Life Association Limited 100%
Significant events
- “Prior to the transfer in 2023 of all the long-term business and the majority of the Company's assets to Phoenix Life Limited ("PLL"), the principal activity of the Company was the provision of life assurance and pension products.”
Auditor, going-concern and subsidiary information is drawn from the narrative of the latest annual accounts. About these numbers
People
3 active · 90 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 |
| SHAKESPEARE, Paul | Director | 2026-06-30 | Oct 1973 | British |
Show 90 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 |
| HAYDEN-CAREY, Lindsey Jayne | Director | 2025-09-02 | 2026-06-30 |
| 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 526 total filings
| Date | Type | Category | Description | |
|---|---|---|---|---|
| 2026-10-13 | AA | accounts | Accounts with accounts type audit exemption subsiduary | |
| 2026-10-13 | PARENT_ACC | accounts | Legacy | |
| 2026-06-30 | GUARANTEE2 | other | Legacy | |
| 2026-06-30 | AGREEMENT2 | other | Legacy | |
| 2026-06-30 | TM01 | officers | Termination director company with name termination date | |
| 2026-06-30 | AP01 | officers | Appoint person director company with name date | |
| 2026-05-27 | CS01 | confirmation-statement | Confirmation statement with no updates | |
| 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 |
Public-record activity
Raw counts from Companies House — last 12–24 months
- Filings
- 11
- Capital events
- 0
- Officers appointed
- 1
- 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.