CARLISLE UNITED ASSOCIATION FOOTBALL CLUB (1921) LIMITED

🌳Matureactive
00175280 · ltd · incorporated 1921-06-20
Investment thesis
Established operating company — standard diligence applies, no dominant angle.
Why interesting: Live, filing, normal profile.
Why risky: No standout signals in either direction.
🔒Estimated value
Upgrade to see
Turnover
£6.90M
year to Jun 2025
Net worth
book net assets
Opportunity
68/100
Strong
🔔
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What this business does
Primary activity: Other sports activities
Sector: Arts, entertainment & recreation
Investor take
Pass (distressed without resilience)
Active trading company. Family succession underway — not a classic acquisition target.

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

25/100
too messy

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.

Company profile
address, 1 SIC codes, incorporation date
100
Financials
1 year of iXBRL accounts extracted (no YoY comparison) + narrative notes parsed
50
Lenders & charges
41 charges (41/41 with lender, 41/41 with type)
90
Directors & officers
55 officers (8 active, 55 linked, 47 with DOB)
87
Ownership & PSC
1 active PSC(s) of 1 total, 1 with control declared
90
Director network
1 connected companies via shared directors
48
Filing history
316 filings on record
85
Gazette notices
No matching gazette notices (standard for active companies)
60
🔒Estimated company valuation

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 →
Opportunity Score
68/100Strong
PassWatchWorth a lookStrongExceptional 

Solid opportunity signal. Worth a dedicated memo and management meeting.

Business quality
50
Adequate — check latest filings for context.
Acquirability
70
Strong succession / seller-readiness signals.
Risk profile
69
Some moderate concerns — review flags.
Signal strength
100
Good data coverage for analysis.

Signals from accounts

Derived from iXBRL accounts · FRS 102
Loss-making
Loss before tax £5,122,468

Key financials

1 year extracted from filed iXBRL accounts
Cash
Net Worth
Current Assets
Current Liabilities

Financials

Extracted from Companies House accounts · FRS 102
Metric2025-06-30
Turnover£6.90M
Gross profit£-1.52M
Operating profit£-5.15M
Profit before tax£-5.12M
Average employees20300

Amounts extracted automatically from iXBRL. Fields left blank were not reported or not mapped. Values in GBP unless stated.

🔒Filing-note intelligence

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

Last 30 days
0
filings
Last 90 days
2
filings
  • 1 confirmation-statement
  • 1 accounts
Last 180 days
3
filings
  • 1 confirmation-statement
  • 1 accounts
  • 1 officers
Counts from Companies House filing history.
Corporate timeline (196 events)Click to expand
  1. 2026-03-30
    📄
    accounts-with-accounts-type-full
    accounts · AA
  2. 2026-03-12
    CLIBBENS, Nigel resigned
    director
  3. 2026-03-12
    📄
    termination-director-company-with-name-termination-date
    officers · TM01
  4. 2025-04-11
    📄
    accounts-with-accounts-type-full
    accounts · AA
  5. 2024-07-08
    📄
    mortgage-satisfy-charge-full
    mortgage · MR04
  6. 2024-07-08
    🔓
    Charge satisfied #41
  7. 2024-07-02
    📄
    termination-director-company-with-name-termination-date
    officers · TM01
  8. 2024-06-30
    NIXON, John Lee resigned
    director
  9. 2024-03-25
    📄
    accounts-with-accounts-type-full
    accounts · AA
  10. 2024-03-11
    📄
    change-person-director-company-with-change-date
    officers · CH01
  11. 2024-03-11
    📄
    change-person-director-company-with-change-date
    officers · CH01
  12. 2024-01-09
    📄
    appoint-person-director-company-with-name-date
    officers · AP01
  13. 2023-12-27
    SPOONER, Matthew Adam Clifford appointed
    director
  14. 2023-12-07
    DAVIDSON, Nigel Bryson resigned
    director
  15. 2023-12-07
    📄
    termination-director-company-with-name-termination-date
    officers · TM01
  16. 2023-11-24
    📄
    appoint-person-director-company-with-name-date
    officers · AP01
  17. 2023-11-23
    📄
    appoint-person-director-company-with-name-date
    officers · AP01
  18. 2023-11-23
    📄
    appoint-person-director-company-with-name-date
    officers · AP01
  19. 2023-11-23
    📄
    appoint-person-director-company-with-name-date
    officers · AP01
  20. 2023-11-23
    📄
    appoint-person-director-company-with-name-date
    officers · AP01
  21. 2023-11-23
    📄
    appoint-person-director-company-with-name-date
    officers · AP01
  22. 2023-11-23
    📄
    termination-secretary-company-with-name-termination-date
    officers · TM02
  23. 2023-11-22
    DEMASI, Nicholas appointed
    director
  24. 2023-11-22
    PIATAK, Alice Corrine appointed
    director
  25. 2023-11-22
    PIATAK, Jenna appointed
    director
  26. 2023-11-22
    PIATAK, Patricia Reiff appointed
    director
  27. 2023-11-22
    PIATAK, Thomas William appointed
    director
  28. 2023-11-22
    PIATAK II, Thomas appointed
    director
  29. 2023-11-22
    NIXON, John Lee resigned
    secretary
  30. 2023-07-21
    📄
    mortgage-satisfy-charge-full
    mortgage · MR04
  31. 2023-07-21
    📄
    mortgage-satisfy-charge-full
    mortgage · MR04
  32. 2023-07-21
    📄
    mortgage-satisfy-charge-full
    mortgage · MR04
  33. 2023-07-21
    🔓
    Charge satisfied #40
  34. 2023-07-21
    🔓
    Charge satisfied #37
  35. 2023-07-21
    🔓
    Charge satisfied #20
  36. 2023-04-15
    📄
    resolution
    resolution · RESOLUTIONS
  37. 2022-07-19
    DAVIDSON, Nigel Bryson appointed
    director
  38. 2022-06-20
    MITCHELL, James resigned
    director
  39. 2018-03-09
    KING, Philip Paul resigned
    director
  40. 2017-05-30
    🔓
    Charge satisfied #39
  41. 2017-03-15
    🔒
    Charge registered #41
    Lender: The Edinburgh Woollen Mill Limited
  42. 2016-08-01
    CLARK OF WINDERMERE, David George, Lord resigned
    director
  43. 2016-08-01
    CLIBBENS, Nigel appointed
    director
  44. 2016-08-01
    JENKINS, Herbert Andrew resigned
    director
  45. 2016-08-01
    MITCHELL, James appointed
    director
  46. 2016-08-01
    PATTISON, Steven resigned
    director
  47. 2016-08-01
    STEEL, Norman Frederick resigned
    director
  48. 2016-04-25
    WINDER, Claire resigned
    director
  49. 2016-03-04
    YOUNG, Richard resigned
    director
  50. 2015-09-18
    WINDER, Claire appointed
    director
Showing most recent 50 of 196 events

Owner dependency

56/100
Moderate — manageable with handover

Some founder dependency, but not acute. A structured handover period should cover most risk.

FACTORS
  • -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 ·
Has insolvency history
medium

Companies House flags prior insolvency events. Review the insolvency filings for context.

Charge satisfaction-then-recreation pattern
medium

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.

🏛️
Cufc Holdings Limited
Corporate parent · holds 75-100% shares
ultimate parent
CARLISLE UNITED ASSOCIATION FOOTBALL CLUB (1921) LIMITED
This company · 00175280

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%
NameSharesVoting rightsNature of controlNotified
Cufc Holdings Limited
Corporate entity
75100%
75-100% shares16/04/2017

From Companies House Persons with Significant Control filings. Share ranges are banded per the public PSC regime.

🔒Co-director network graph

Radial SVG graph showing every company connected via shared directors, colour-coded by status.

Available from the Pro tier upwards.

See pricing →

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Peers ranked by estimated value, then turnover, then opportunity score.See all →
🔒Tailored diligence questions

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 →
🔒Advanced scoring suite

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

Statusactive
Typeltd
Incorporated1921-06-20
Jurisdictionengland-wales
Primary SIC93199 — Other sports activities

Registered office

Brunton Park
Warwick Road
Carlisle
Cumbria
CA1 1LL

Filing status

Accounts
Next due: 2027-03-31
Last made up to: 2025-06-30
Confirmation statement
Next due: 2027-04-30
Last: 2026-04-16

Officers (8 active · 47 resigned)

DEMASI, Nicholas
director · ~32y · appointed 2023-11-22
View their other companies + combined net worth →
Active
KIDD, Suzanne Catherine
director · ~48y · appointed 2015-08-07
View their other companies + combined net worth →
Active
PIATAK, Alice Corrine
director · ~32y · appointed 2023-11-22
View their other companies + combined net worth →
Active
PIATAK, Jenna
director · ~29y · appointed 2023-11-22
View their other companies + combined net worth →
Active
PIATAK, Patricia Reiff
director · ~62y · appointed 2023-11-22
View their other companies + combined net worth →
Active
PIATAK, Thomas William
director · ~61y · appointed 2023-11-22
View their other companies + combined net worth →
Active
PIATAK II, Thomas
director · ~31y · appointed 2023-11-22
View their other companies + combined net worth →
Active
SPOONER, Matthew Adam Clifford
director · ~33y · appointed 2023-12-27
View their other companies + combined net worth →
Active
BOURKE, John
secretary · appointed 2002-08-08 · resigned 2004-08-31
Resigned
FULLER, Jonathan Tom Telford
secretary · appointed 1997-03-05 · resigned 2000-01-04
Resigned
KNIGHTON, Michael
secretary · appointed 1992-12-07 · resigned 1995-05-06
Resigned
LIDDELL, Robert Stable
secretary · resigned 1992-12-07
Resigned
NIXON, John Lee
secretary · appointed 2004-08-31 · resigned 2023-11-22
Resigned
PEEL, Josephine Mary Anne
secretary · appointed 2000-01-04 · resigned 2000-10-13
Resigned
RITCHIE, Angela Jane
secretary · appointed 1995-05-06 · resigned 1997-03-05
Resigned
WHITTAKER, Andrea
secretary · appointed 2001-01-04 · resigned 2002-08-08
Resigned
ALLEN, Steven David
director · ~60y · appointed 2007-11-01 · resigned 2009-10-29
Resigned
BELL, Paul Valentine
director · ~62y · appointed 2003-05-03 · resigned 2004-09-24
Resigned
BINGLEY, Thomas Anthony
director · ~86y · resigned 1992-12-03
Resigned
BOURKE, John
director · ~62y · appointed 2002-08-08 · resigned 2004-08-31
Resigned

Click a director name to see their full track record across all companies.

Mortgages & charges

41
Total charges
1
Outstanding
1
Active lenders
Status:Lender:41 of 41 shown
TypeProperties
satisfied
The Edinburgh Woollen Mill
The Edinburgh Woollen Mill Limited
A registered charge3 properties15/03/201708/07/2024
satisfied
Cumberland Building Society (The Society)
Legal charge1 property30/01/201321/07/2023
satisfied
Lloyds Banking Group
The Governor and Company of the Bank of Scotland
Deed of charge over deposit1 property07/11/200730/05/2017
outstanding
Lloyds Banking Group
The Governor and Company of the Bank of Scotland
Legal charge1 property25/09/2007
satisfied
Cgnu Life Assurance
Cgnu Life Assurance Limited
Rent deposit deed1 property03/10/200621/07/2023
satisfied
Story Construction
Story Construction Limited
Debenture1 property09/12/200506/01/2015
satisfied
David James Elliot and David Malcolm Walker, Licenced Insolvency Practitioners
Legal charge1 property30/08/200222/10/2004
satisfied
David James Elliot and David Malcolm Walker, Licenced Insolvency Practitioners
Legal charge1 property30/08/200222/10/2004
satisfied
David James Elliot and David Malcolm Walker, Licenced Insolvency Practitioners
Legal charge1 property30/08/200222/10/2004
satisfied
David James Elliot and David Malcolm Walker, Licenced Insolvency Practitioners
Legal charge1 property30/08/200222/10/2004
satisfied
David James Elliot and David Malcolm Walker, Licenced Insolvency Practitioners
Legal charge1 property30/08/200222/10/2004
satisfied
David James Elliot and David Malcolm Walker, Licenced Insolvency Practitioners
Legal charge1 property30/08/200222/10/2004
satisfied
David James Elliot and David Malcolm Walker, Licenced Insolvency Practitioners
Legal charge1 property30/08/200222/10/2004
satisfied
David James Elliot and David Malcolm Walker, Licenced Insolvency Practitioners
Legal charge1 property30/08/200222/10/2004
satisfied
Jerrold Mortgage Corporation
Jerrold Mortgage Corporation Limited
Mortgage by way of specific legal charge and third party charge2 properties10/09/200122/10/2004
satisfied
Bristol & West Investments
Bristol & West Investments PLC
Mortgage1 property04/01/200122/10/2004
satisfied
HSBC
Hsbc Bank PLC
Legal mortgage2 properties18/05/200027/04/2001
satisfied
Midland Bank
Midland Bank PLC
Legal mortgage1 property23/04/199627/04/2001
satisfied
Singer & Friedlander
Singer & Friedlander Limited
Mortgage1 property23/04/199627/04/2001
satisfied
Gmi Construction Group
Gmi Construction Group PLC
Debenture1 property18/12/199510/12/1999
satisfied
Jerrold Manufacturing Co. (Textiles)
Jerrold Manufacturing Co. (Textiles) Limited
Legal mortgage2 properties17/07/199522/10/2004
satisfied
Eden Properties
Eden Properties Limited
Legal charge1 property29/06/199521/07/2023
satisfied
Bass Brewers
Bass Brewers Limited
Deed of legal charge1 property06/10/199322/10/2004
satisfied
Bass Brewers
Bass Brewers Limited
Deed of debenture1 property06/10/199322/10/2004
satisfied
Scottishe Newcastle Breweries
Scottishe Newcastle Breweries PLC
Third further charge1 property11/02/199112/11/1993
satisfied
Midland Bank
Midland Bank PLC
Legal charge1 property23/01/199127/04/2001
satisfied
Midland Bank
Midland Bank PLC
Fixed and floating charge1 property09/01/199127/04/2001
satisfied
Scottish and Newcastle Breweies
Scottish and Newcastle Breweies PLC
Second further charge1 property26/01/199012/11/1993
satisfied
Scoltish & Newcastle Breweries
Scoltish & Newcastle Breweries PLC
Further charge1 property22/03/198812/11/1993
satisfied
Midland Bank
Midland Bank PLC
Legal charge1 property06/05/198725/03/1996
satisfied
Scottish & Newcastle Brewenes
Scottish & Newcastle Brewenes PLC
Legal charge1 property10/02/198712/11/1993
satisfied
Midland Bank
Midland Bank PLC
Legal charge2 properties10/12/198625/03/1996
satisfied
Cumberland Building Society
Mortgage1 property03/11/198312/03/1987
satisfied
Scothsh of Newcastle Brewenies
Scothsh of Newcastle Brewenies PLC
Legal charge1 property20/09/198328/09/1987
satisfied
Matthew Brown
Matthew Brown PLC
Legal mortgage2 properties27/11/198110/12/1999
satisfied
Cumber Land Building Society
Mortgage1 property17/06/198122/10/2004
satisfied
Midland Bank
Midland Bank PLC
Mortgage1 property22/05/195927/04/2001
satisfied
Football Association
Football Association LTD
Legal charge1 property20/04/195425/03/1996
satisfied
Midland Bank
Midland Bank PLC
Mortgage1 property14/12/195125/03/1996
satisfied
Midland Bank
Midland Bank PLC
Mortgage1 property14/12/195125/03/1996
satisfied
Midland Bank
Midland Bank Limited
Mortgage1 property26/08/194725/03/1996
Click column headers to sort. Use filters above to narrow by status and lender.

Recent filings (316 total)

confirmation-statement-with-no-updates
confirmation-statement · CS01
2026-05-17
accounts-with-accounts-type-full
accounts · AA
2026-03-30
termination-director-company-with-name-termination-date
officers · TM01
2026-03-12
confirmation-statement-with-no-updates
confirmation-statement · CS01
2025-04-29
accounts-with-accounts-type-full
accounts · AA
2025-04-11
mortgage-satisfy-charge-full
mortgage · MR04
2024-07-08
termination-director-company-with-name-termination-date
officers · TM01
2024-07-02
confirmation-statement-with-updates
confirmation-statement · CS01
2024-04-26
accounts-with-accounts-type-full
accounts · AA
2024-03-25
change-person-director-company-with-change-date
officers · CH01
2024-03-11
change-person-director-company-with-change-date
officers · CH01
2024-03-11
appoint-person-director-company-with-name-date
officers · AP01
2024-01-09
termination-director-company-with-name-termination-date
officers · TM01
2023-12-07
appoint-person-director-company-with-name-date
officers · AP01
2023-11-24
appoint-person-director-company-with-name-date
officers · AP01
2023-11-23