A.CAIN(FUNERAL SERVICES)LIMITED
- · Oldest live charge 42.4y old — refinance window within 12 months
Opportunity 80/100 (exceptional), bankability 65/100. Same-surname younger director in place — likely family handover, not open to sale. Share purchase looks the cleaner deal structure. Biggest value-creation lever: Discharge stale live charges. 3 live charge(s) created 15+ years ago — likely paid but undischarged. Clean register. Most likely exit: share sale to pe / searcher (65/100).
Refinance opportunity
4 live charges · 2 lenders · oldest 42.4y
Refinance viable after a tidy-up — address the highlighted items first.
- · Oldest live charge is 42.4 years old — likely at or near maturity.
- · Two lenders — manageable, but coordination required.
- · Legal-friction score 25/100 — workable, but lender will want more DD.
Data confidence
Overall: medium (78/100)Adequate coverage. AI outputs are reliable for the sections scored high; verify the rest in diligence.
Strong composite across quality, acquirability, and risk. High-priority target — progress to serious diligence.
Key financials
2 years extracted from filed iXBRL accountsHover to see exact values · click legend to toggle series
Financials
Extracted from Companies House accounts · FRS 102| Metric | 2025-03-31 | 2024-03-31 |
|---|---|---|
| Average employees | 9 | 900 |
Amounts extracted automatically from iXBRL. Fields left blank were not reported or not mapped. Values in GBP unless stated.
1 signal 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
Corporate timeline (30 events)Click to expand
- 2025-12-23📄accounts-with-accounts-type-total-exemption-fullaccounts · AA
- 2024-12-20📄accounts-with-accounts-type-total-exemption-fullaccounts · AA
- 2024-02-03📄capital-name-of-class-of-sharescapital · SH08
- 2023-12-20📄accounts-with-accounts-type-total-exemption-fullaccounts · AA
- 2023-12-12📄capital-variation-of-rights-attached-to-sharescapital · SH10
- 2022-12-22📄accounts-with-accounts-type-total-exemption-fullaccounts · AA
- 2021-12-24📄accounts-with-accounts-type-total-exemption-fullaccounts · AA
- 2021-10-21📄appoint-person-director-company-with-name-dateofficers · AP01
- 2021-10-14➕MURRAY, Benjamin Andrew Cain appointeddirector
- 2021-09-16📄appoint-person-director-company-with-name-dateofficers · AP01
- 2020-12-24📄accounts-with-accounts-type-total-exemption-fullaccounts · AA
- 2020-11-16📄capital-return-purchase-own-sharescapital · SH03
- 2020-11-05📄change-to-a-person-with-significant-controlpersons-with-significant-control · PSC04
- 2020-11-02📄termination-director-company-with-name-termination-dateofficers · TM01
- 2020-11-02📄capital-cancellation-sharescapital · SH06
- 2020-10-29📄resolutionresolution · RESOLUTIONS
- 2020-10-12📄cessation-of-a-person-with-significant-controlpersons-with-significant-control · PSC07
- 2020-09-10➖MURRAY, Nigel Paul resigneddirector
- 2020-09-08➕MURRAY, Julie Anne appointeddirector
- 2020-08-14📄mortgage-create-with-deed-with-charge-number-charge-creation-datemortgage · MR01
- 2020-08-14🔒Charge registered #4Lender: Lloyds Bank PLC
- 2019-12-23📄accounts-with-accounts-type-total-exemption-fullaccounts · AA
- 2011-03-31➕MURRAY, Julie Anne appointedsecretary
- 2011-03-31➖MURRAY, Rosaline Jean resignedsecretary
- 2011-03-31➖MURRAY, Michael James Cain resigneddirector
- 2011-03-31➖MURRAY, Rosaline Jean resigneddirector
- 2004-08-05🔒Charge registered #3Lender: Lloyds Tsb Bank PLC
- 1993-12-23🔒Charge registered #2Lender: Lloyds Bank PLC
- 1984-01-20🔒Charge registered #1Lender: Lloyds Bank PLC
- 1963-12-30🏢Company incorporatedAs A.CAIN(FUNERAL SERVICES)LIMITED
Owner dependency
Material founder dependency. Consider a 2-3 year earn-out and build in a handover plan before completion.
- +Senior director age: Director aged approximately 63 — approaching natural succession window.
- +Family involvement: Multiple officers share a surname — likely family business, which concentrates governance.
Succession & seller-readiness
No meaningful acquirability indicators from public data.
- primaryFamily succession underway: Not a takeover target — MURRAY, Benjamin Andrew Cain (same surname) appointed 2021-10-14. Pattern consistent with intra-family handover.
- primaryFounder aged 63+: Senior director is approximately 63. Approaching typical UK retirement age — succession thinking likely.
- secondaryStable-but-static management: Company is 62 years old and no new directors in the last 3 years — succession not yet being planned internally.
Red flags
cleanShareholders & ownership
1 active beneficial owner · dominant holder ≥75%| Name | Shares | Voting rights | Nature of control | Notified |
|---|---|---|---|---|
Mr Simon Andrew Cain Murray Individual · British · DOB 09/1963 · age 63 | 75–100% | — | 75-100% shares | 06/04/2016 |
1 historic (ceased) PSC
- Mr Nigel Paul Murrayceased 09/09/2020· 25-50% shares
From Companies House Persons with Significant Control filings. Share ranges are banded per the public PSC regime.
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7 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 (4 active · 4 resigned)
Click a director name to see their full track record across all companies.
Mortgages & charges
| Type | Properties | |||||
|---|---|---|---|---|---|---|
| outstanding | Lloyds Banking Group Lloyds Bank PLC | A registered charge | 1 property | 14/08/2020 | — | |
| outstanding | Lloyds Banking Group Lloyds Tsb Bank PLC | Mortgage | 1 property | 05/08/2004 | — | |
| outstanding | Lloyds Banking Group Lloyds Bank PLC | Legal mortgage | 1 property | 23/12/1993 | — | |
| outstanding | Lloyds Banking Group Lloyds Bank PLC | Legal charge | 1 property | 20/01/1984 | — |