CARLISLE UNITED ASSOCIATION FOOTBALL CLUB (1921) LIMITED
Opportunity 68/100 (strong), bankability 37/100. Same-surname younger director in place — likely family handover, not open to sale. Asset purchase likely safer than share purchase given structural signals. Biggest value-creation lever: Consolidate lender relationships. 25 distinct lenders creates friction — refinance into single-lender structure for cleaner diligence. Most likely exit: family or management succession (50/100).
Refinance opportunity
41 live charges · 25 lenders · oldest 78.8y
Structure is too messy for a clean refinance right now — clean up first or expect bespoke terms.
- · Oldest live charge is 78.8 years old — likely at or near maturity.
- · 25 lenders named — inter-creditor friction likely.
- · Legal-friction score 83/100 (specialist).
Data confidence
Overall: medium (72/100)Adequate coverage. AI outputs are reliable for the sections scored high; verify the rest in diligence.
Sector-multiple EBITDA, turnover, and NAV-proxy valuation range with confidence tier — derived from extracted iXBRL financials.
Available from the Pro tier upwards.
See pricing →Solid opportunity signal. Worth a dedicated memo and management meeting.
Signals from accounts
Derived from iXBRL accounts · FRS 102Key financials
1 year extracted from filed iXBRL accountsFinancials
Extracted from Companies House accounts · FRS 102| Metric | 2025-06-30 |
|---|---|
| Turnover | £6.90M |
| Gross profit | £-1.52M |
| Operating profit | £-5.15M |
| Profit before tax | £-5.12M |
| Average employees | 20300 |
Amounts extracted automatically from iXBRL. Fields left blank were not reported or not mapped. Values in GBP unless stated.
3 signals detected in this company's narrative notes — going-concern language, audit opinion, contingent liabilities, related-party transactions.
Available from the Pro tier upwards.
See pricing →Recent activity
- • 1 confirmation-statement
- • 1 accounts
- • 1 confirmation-statement
- • 1 accounts
- • 1 officers
Corporate timeline (196 events)Click to expand
- 2026-03-30📄accounts-with-accounts-type-fullaccounts · AA
- 2026-03-12➖CLIBBENS, Nigel resigneddirector
- 2026-03-12📄termination-director-company-with-name-termination-dateofficers · TM01
- 2025-04-11📄accounts-with-accounts-type-fullaccounts · AA
- 2024-07-08📄mortgage-satisfy-charge-fullmortgage · MR04
- 2024-07-08🔓Charge satisfied #41
- 2024-07-02📄termination-director-company-with-name-termination-dateofficers · TM01
- 2024-06-30➖NIXON, John Lee resigneddirector
- 2024-03-25📄accounts-with-accounts-type-fullaccounts · AA
- 2024-03-11📄change-person-director-company-with-change-dateofficers · CH01
- 2024-03-11📄change-person-director-company-with-change-dateofficers · CH01
- 2024-01-09📄appoint-person-director-company-with-name-dateofficers · AP01
- 2023-12-27➕SPOONER, Matthew Adam Clifford appointeddirector
- 2023-12-07➖DAVIDSON, Nigel Bryson resigneddirector
- 2023-12-07📄termination-director-company-with-name-termination-dateofficers · TM01
- 2023-11-24📄appoint-person-director-company-with-name-dateofficers · AP01
- 2023-11-23📄appoint-person-director-company-with-name-dateofficers · AP01
- 2023-11-23📄appoint-person-director-company-with-name-dateofficers · AP01
- 2023-11-23📄appoint-person-director-company-with-name-dateofficers · AP01
- 2023-11-23📄appoint-person-director-company-with-name-dateofficers · AP01
- 2023-11-23📄appoint-person-director-company-with-name-dateofficers · AP01
- 2023-11-23📄termination-secretary-company-with-name-termination-dateofficers · TM02
- 2023-11-22➕DEMASI, Nicholas appointeddirector
- 2023-11-22➕PIATAK, Alice Corrine appointeddirector
- 2023-11-22➕PIATAK, Jenna appointeddirector
- 2023-11-22➕PIATAK, Patricia Reiff appointeddirector
- 2023-11-22➕PIATAK, Thomas William appointeddirector
- 2023-11-22➕PIATAK II, Thomas appointeddirector
- 2023-11-22➖NIXON, John Lee resignedsecretary
- 2023-07-21📄mortgage-satisfy-charge-fullmortgage · MR04
- 2023-07-21📄mortgage-satisfy-charge-fullmortgage · MR04
- 2023-07-21📄mortgage-satisfy-charge-fullmortgage · MR04
- 2023-07-21🔓Charge satisfied #40
- 2023-07-21🔓Charge satisfied #37
- 2023-07-21🔓Charge satisfied #20
- 2023-04-15📄resolutionresolution · RESOLUTIONS
- 2022-07-19➕DAVIDSON, Nigel Bryson appointeddirector
- 2022-06-20➖MITCHELL, James resigneddirector
- 2018-03-09➖KING, Philip Paul resigneddirector
- 2017-05-30🔓Charge satisfied #39
- 2017-03-15🔒Charge registered #41Lender: The Edinburgh Woollen Mill Limited
- 2016-08-01➖CLARK OF WINDERMERE, David George, Lord resigneddirector
- 2016-08-01➕CLIBBENS, Nigel appointeddirector
- 2016-08-01➖JENKINS, Herbert Andrew resigneddirector
- 2016-08-01➕MITCHELL, James appointeddirector
- 2016-08-01➖PATTISON, Steven resigneddirector
- 2016-08-01➖STEEL, Norman Frederick resigneddirector
- 2016-04-25➖WINDER, Claire resigneddirector
- 2016-03-04➖YOUNG, Richard resigneddirector
- 2015-09-18➕WINDER, Claire appointeddirector
Owner dependency
Some founder dependency, but not acute. A structured handover period should cover most risk.
- -8 active directors: Broader management team in place — suggests transferable governance.
- +Senior director age: Director aged approximately 62 — approaching natural succession window.
- +Family involvement: Multiple officers share a surname — likely family business, which concentrates governance.
Red flags
2 med ·Companies House flags prior insolvency events. Review the insolvency filings for context.
Multiple instances where a charge was satisfied and a new charge created within 6 months. Suggests active refinancing cycle.
Group structure
Cufc Holdings Limited is the ultimate parent — holding 75%+ shares. This company sits inside their group.
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 |
|---|---|---|---|---|
Cufc Holdings Limited Corporate entity | 75–100% | — | 75-100% shares | 16/04/2017 |
From Companies House Persons with Significant Control filings. Share ranges are banded per the public PSC regime.
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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|---|---|---|---|---|---|---|---|
| CALDBECK MULTI PURPOSE TENNIS COURT ASSOCIATION→ 11575198 · est 2018 · no financials extracted | — | — | — | — | 7y | — | — |
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| CGST CUMBRIA LIMITED→ 10118478 · est 2016 · no financials extracted | — | — | — | — | 10y | — | — |
| CHEER FORCE KNIGHTS MARYPORT LIMITED→ 15361107 · est 2023 · no financials extracted | — | — | — | — | 2y | — | — |
| CHERYL NUTRITION AND FITNESS COACH LTD→ 15731057 · est 2024 · no financials extracted | — | — | — | — | 1y | — | — |
| CLAYS GYM LTD→ 17040851 · est 2026 · no financials extracted | — | — | — | — | — | — | — |
| CLOUD COMPETITIONS (CUMBRIA) LTD→ 15256163 · est 2023 · no financials extracted | — | — | — | — | 2y | — | — |
| CLOUDBERRY LIMITED→ 03924122 · est 2000 · no financials extracted | — | — | — | — | 26y | — | — |
| COMMUNITY ACTION TREKS LIMITED→ 04402182 · est 2002 · no financials extracted | — | — | — | — | 24y | — | — |
| CONOR O'FARRELL RACING LTD→ 09155421 · est 2014 · no financials extracted | — | — | — | — | 11y | — | — |
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 →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.
See pricing →Company details
Registered office
Filing status
Officers (8 active · 47 resigned)
Click a director name to see their full track record across all companies.
Mortgages & charges
| Type | Properties | |||||
|---|---|---|---|---|---|---|
| satisfied | The Edinburgh Woollen Mill The Edinburgh Woollen Mill Limited | A registered charge | 3 properties | 15/03/2017 | 08/07/2024 | |
| satisfied | Cumberland Building Society (The Society) | Legal charge | 1 property | 30/01/2013 | 21/07/2023 | |
| satisfied | Lloyds Banking Group The Governor and Company of the Bank of Scotland | Deed of charge over deposit | 1 property | 07/11/2007 | 30/05/2017 | |
| outstanding | Lloyds Banking Group The Governor and Company of the Bank of Scotland | Legal charge | 1 property | 25/09/2007 | — | |
| satisfied | Cgnu Life Assurance Cgnu Life Assurance Limited | Rent deposit deed | 1 property | 03/10/2006 | 21/07/2023 | |
| satisfied | Story Construction Story Construction Limited | Debenture | 1 property | 09/12/2005 | 06/01/2015 | |
| satisfied | David James Elliot and David Malcolm Walker, Licenced Insolvency Practitioners | Legal charge | 1 property | 30/08/2002 | 22/10/2004 | |
| satisfied | David James Elliot and David Malcolm Walker, Licenced Insolvency Practitioners | Legal charge | 1 property | 30/08/2002 | 22/10/2004 | |
| satisfied | David James Elliot and David Malcolm Walker, Licenced Insolvency Practitioners | Legal charge | 1 property | 30/08/2002 | 22/10/2004 | |
| satisfied | David James Elliot and David Malcolm Walker, Licenced Insolvency Practitioners | Legal charge | 1 property | 30/08/2002 | 22/10/2004 | |
| satisfied | David James Elliot and David Malcolm Walker, Licenced Insolvency Practitioners | Legal charge | 1 property | 30/08/2002 | 22/10/2004 | |
| satisfied | David James Elliot and David Malcolm Walker, Licenced Insolvency Practitioners | Legal charge | 1 property | 30/08/2002 | 22/10/2004 | |
| satisfied | David James Elliot and David Malcolm Walker, Licenced Insolvency Practitioners | Legal charge | 1 property | 30/08/2002 | 22/10/2004 | |
| satisfied | David James Elliot and David Malcolm Walker, Licenced Insolvency Practitioners | Legal charge | 1 property | 30/08/2002 | 22/10/2004 | |
| satisfied | Jerrold Mortgage Corporation Jerrold Mortgage Corporation Limited | Mortgage by way of specific legal charge and third party charge | 2 properties | 10/09/2001 | 22/10/2004 | |
| satisfied | Bristol & West Investments Bristol & West Investments PLC | Mortgage | 1 property | 04/01/2001 | 22/10/2004 | |
| satisfied | HSBC Hsbc Bank PLC | Legal mortgage | 2 properties | 18/05/2000 | 27/04/2001 | |
| satisfied | Midland Bank Midland Bank PLC | Legal mortgage | 1 property | 23/04/1996 | 27/04/2001 | |
| satisfied | Singer & Friedlander Singer & Friedlander Limited | Mortgage | 1 property | 23/04/1996 | 27/04/2001 | |
| satisfied | Gmi Construction Group Gmi Construction Group PLC | Debenture | 1 property | 18/12/1995 | 10/12/1999 | |
| satisfied | Jerrold Manufacturing Co. (Textiles) Jerrold Manufacturing Co. (Textiles) Limited | Legal mortgage | 2 properties | 17/07/1995 | 22/10/2004 | |
| satisfied | Eden Properties Eden Properties Limited | Legal charge | 1 property | 29/06/1995 | 21/07/2023 | |
| satisfied | Bass Brewers Bass Brewers Limited | Deed of legal charge | 1 property | 06/10/1993 | 22/10/2004 | |
| satisfied | Bass Brewers Bass Brewers Limited | Deed of debenture | 1 property | 06/10/1993 | 22/10/2004 | |
| satisfied | Scottishe Newcastle Breweries Scottishe Newcastle Breweries PLC | Third further charge | 1 property | 11/02/1991 | 12/11/1993 | |
| satisfied | Midland Bank Midland Bank PLC | Legal charge | 1 property | 23/01/1991 | 27/04/2001 | |
| satisfied | Midland Bank Midland Bank PLC | Fixed and floating charge | 1 property | 09/01/1991 | 27/04/2001 | |
| satisfied | Scottish and Newcastle Breweies Scottish and Newcastle Breweies PLC | Second further charge | 1 property | 26/01/1990 | 12/11/1993 | |
| satisfied | Scoltish & Newcastle Breweries Scoltish & Newcastle Breweries PLC | Further charge | 1 property | 22/03/1988 | 12/11/1993 | |
| satisfied | Midland Bank Midland Bank PLC | Legal charge | 1 property | 06/05/1987 | 25/03/1996 | |
| satisfied | Scottish & Newcastle Brewenes Scottish & Newcastle Brewenes PLC | Legal charge | 1 property | 10/02/1987 | 12/11/1993 | |
| satisfied | Midland Bank Midland Bank PLC | Legal charge | 2 properties | 10/12/1986 | 25/03/1996 | |
| satisfied | Cumberland Building Society | Mortgage | 1 property | 03/11/1983 | 12/03/1987 | |
| satisfied | Scothsh of Newcastle Brewenies Scothsh of Newcastle Brewenies PLC | Legal charge | 1 property | 20/09/1983 | 28/09/1987 | |
| satisfied | Matthew Brown Matthew Brown PLC | Legal mortgage | 2 properties | 27/11/1981 | 10/12/1999 | |
| satisfied | Cumber Land Building Society | Mortgage | 1 property | 17/06/1981 | 22/10/2004 | |
| satisfied | Midland Bank Midland Bank PLC | Mortgage | 1 property | 22/05/1959 | 27/04/2001 | |
| satisfied | Football Association Football Association LTD | Legal charge | 1 property | 20/04/1954 | 25/03/1996 | |
| satisfied | Midland Bank Midland Bank PLC | Mortgage | 1 property | 14/12/1951 | 25/03/1996 | |
| satisfied | Midland Bank Midland Bank PLC | Mortgage | 1 property | 14/12/1951 | 25/03/1996 | |
| satisfied | Midland Bank Midland Bank Limited | Mortgage | 1 property | 26/08/1947 | 25/03/1996 |