CARTMEL INVESTMENTS LIMITED
🌳Matureactive
01424599 · ltd · incorporated 1979-06-01
Investment thesis
Well-run mature business — low negotiation leverage; premium likely.
Why interesting: Textbook target; clean filings, stable trading.
Why risky: No pressure on seller; any deal likely at full price.
Opportunity decay
approaching window · 12-months
Approaching a transaction window — refinance or sale event plausible in the next 12 months.
- · Oldest live charge 46.0y old — refinance window within 12 months
🔒Estimated value
—
Upgrade to see
Turnover
—
not disclosed
Net worth
—
book net assets
Opportunity
79/100
Strong
What this business does
Primary activity: Security dealing on own account
Sector: Financial & insurance
Investor take
PursueActive trading company with a 93-year-old founder — textbook succession opportunity.
Opportunity 79/100 (strong), bankability 75/100. Strong seller-intent signal (68/100, director aged 93). Share purchase looks the cleaner deal structure. Biggest value-creation lever: Discharge stale live charges. 2 live charge(s) created 15+ years ago — likely paid but undischarged. Clean register. Most likely exit: strategic trade sale (73/100).
🏦
Refinance opportunity
2 live charges · 2 lenders · oldest 46.0y
50/100
clean up first
Refinance viable after a tidy-up — address the highlighted items first.
- · Oldest live charge is 46.0 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 (57/100)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
No iXBRL financials extracted
0
Lenders & charges
2 charges (2/2 with lender, 2/2 with type)
90
Directors & officers
3 officers (3 active, 3 linked, 2 with DOB)
83
Ownership & PSC
2 active PSC(s) of 2 total, 2 with control declared
90
Director network
1 connected companies via shared directors
48
Filing history
90 filings on record
85
Gazette notices
No matching gazette notices (standard for active companies)
60
Opportunity Score
79/100Strong
PassWatchWorth a lookStrongExceptional
Solid opportunity signal. Worth a dedicated memo and management meeting.
Business quality
70
Active, clean filings, stable charge profile.
Acquirability
70
Strong succession / seller-readiness signals.
Risk profile
85
Few red flags.
Signal strength
100
Good data coverage for analysis.
Recent activity
Last 30 days
0
filings
Last 90 days
0
filings
Last 180 days
2
filings
- • 1 accounts
- • 1 confirmation-statement
Counts from Companies House filing history.
Corporate timeline (18 events)Click to expand
- 2025-11-24📄accounts-with-accounts-type-total-exemption-fullaccounts · AA
- 2024-12-30📄accounts-with-accounts-type-total-exemption-fullaccounts · AA
- 2023-12-18📄accounts-with-accounts-type-micro-entityaccounts · AA
- 2022-12-18📄accounts-with-accounts-type-total-exemption-fullaccounts · AA
- 2021-07-27📄accounts-with-accounts-type-total-exemption-fullaccounts · AA
- 2021-06-28📄notification-of-a-person-with-significant-controlpersons-with-significant-control · PSC01
- 2021-06-28📄change-to-a-person-with-significant-controlpersons-with-significant-control · PSC04
- 2020-09-29📄accounts-with-accounts-type-total-exemption-fullaccounts · AA
- 2019-12-22📄accounts-with-accounts-type-total-exemption-fullaccounts · AA
- 2018-11-15📄accounts-with-accounts-type-total-exemption-fullaccounts · AA
- 2017-12-08📄accounts-with-accounts-type-total-exemption-fullaccounts · AA
- 2016-08-30📄accounts-with-accounts-type-total-exemption-smallaccounts · AA
- 2016-01-04📄accounts-with-accounts-type-total-exemption-smallaccounts · AA
- 2015-12-09📄annual-return-company-with-made-up-date-full-list-shareholdersannual-return · AR01
- 2014-12-05📄annual-return-company-with-made-up-date-full-list-shareholdersannual-return · AR01
- 1982-05-28🔒Charge registered #2Lender: Williams & Glyn's Bank PLC
- 1980-04-19🔒Charge registered #1Lender: Barclays Bank LTD
- 1979-06-01🏢Company incorporatedAs CARTMEL INVESTMENTS LIMITED
Owner dependency
81/100
Critical — business is the founderThe business appears inseparable from the founder. Acquisition without a serious earn-out or meaningful transition period would likely destroy value.
FACTORS
- +Two-director setup: Only two active directors — typical of owner-managed SMEs but limits succession.
- +Founder age: Director aged approximately 93 — succession pressure is live.
- +Family involvement: Multiple officers share a surname — likely family business, which concentrates governance.
Succession & seller-readiness
76/100
Likely off-market candidateStrong acquirability signals converging. Worth approaching directly — this is how off-market deals start.
SIGNALS
- primaryFounder aged 70+: Senior director is approximately 93 years old. Natural succession window is now.
- secondaryTwo-director governance: Small-team governance. Succession depth is thin but not absent.
- secondaryStable-but-static management: Company is 47 years old and no new directors in the last 3 years — succession not yet being planned internally.
Red flags
cleanNo red flags detected from available public data. (This is not a clean bill of health — detailed accounts review still recommended.)
Shareholders & ownership
2 active beneficial owners| Name | Shares | Voting rights | Nature of control | Notified |
|---|---|---|---|---|
Mrs Gwendoline Janet Godwin Individual · British · DOB 05/1940 · age 86 | 25–50% | 25–50% | 25-50% shares · 25-50% voting | 27/06/2021 |
Mr Charles Richard Godwin Individual · British · DOB 08/1933 · age 93 | 25–50% | 25–50% | board control25-50% shares · 25-50% voting · board control | 06/04/2016 |
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.
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Peers ranked by estimated value, then turnover, then opportunity score.See all →
🔒Tailored diligence questions
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 →🔒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
Incorporated1979-06-01
Jurisdictionengland-wales
Primary SIC64991 — Security dealing on own account
Registered office
Greencroft
Priest Lane
Cartmel
Cumbria
LA11 6PT
Filing status
Accounts
Next due: 2026-12-31
Last made up to: 2025-03-31
Confirmation statement
Next due: 2026-11-15
Last: 2025-11-01
Officers (3 active · 0 resigned)
Active
Active
Active
Click a director name to see their full track record across all companies.
Mortgages & charges
2
Total charges
2
Outstanding
2
Active lenders
Status:Lender:2 of 2 shown
| Type | Properties | |||||
|---|---|---|---|---|---|---|
| outstanding | Williams & Glyn's Bank Williams & Glyn's Bank PLC | Legal charge | 1 property | 28/05/1982 | — | |
| outstanding | Barclays Barclays Bank LTD | Legal charge | 1 property | 19/04/1980 | — |
Click column headers to sort. Use filters above to narrow by status and lender.
Recent filings (90 total)
accounts-with-accounts-type-total-exemption-full
accounts · AA
2025-11-24
confirmation-statement-with-no-updates
confirmation-statement · CS01
2025-11-06
accounts-with-accounts-type-total-exemption-full
accounts · AA
2024-12-30
confirmation-statement-with-no-updates
confirmation-statement · CS01
2024-11-09
accounts-with-accounts-type-micro-entity
accounts · AA
2023-12-18
confirmation-statement-with-no-updates
confirmation-statement · CS01
2023-11-07
accounts-with-accounts-type-total-exemption-full
accounts · AA
2022-12-18
confirmation-statement-with-no-updates
confirmation-statement · CS01
2022-11-05
confirmation-statement-with-updates
confirmation-statement · CS01
2021-11-02
accounts-with-accounts-type-total-exemption-full
accounts · AA
2021-07-27
notification-of-a-person-with-significant-control
persons-with-significant-control · PSC01
2021-06-28
change-to-a-person-with-significant-control
persons-with-significant-control · PSC04
2021-06-28
confirmation-statement-with-no-updates
confirmation-statement · CS01
2021-01-07
accounts-with-accounts-type-total-exemption-full
accounts · AA
2020-09-29
accounts-with-accounts-type-total-exemption-full
accounts · AA
2019-12-22