CUMBRIA COACHES LIMITED

🌳Matureactive
02607764 · ltd · incorporated 1991-05-03
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 23.1y old — refinance window within 12 months
🔒Estimated value
—
Upgrade to see
Turnover
—
not disclosed
Net worth
—
book net assets
Opportunity
78/100
Strong
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What this business does
Primary activity: SIC 49390
Sector: Transportation & storage
Investor take
Pursue
Strong opportunity: active trading company with strong profile and bankable structure.

Opportunity 78/100 (strong), bankability 75/100. High owner-dependency — earn-out structure likely required for clean transition. 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 (63/100).

🏦

Refinance opportunity

3 live charges · 2 lenders · oldest 23.1y

50/100
clean up first

Refinance viable after a tidy-up — address the highlighted items first.

  • · Oldest live charge is 23.1 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: low (54/100)

Sparse data coverage. Treat AI-generated outputs as preliminary. Manual diligence essential.

Company profile
address, 1 SIC codes, incorporation date
100
Financials
No iXBRL financials extracted
0
Lenders & charges
3 charges (3/3 with lender, 3/3 with type)
90
Directors & officers
7 officers (3 active, 7 linked, 3 with DOB)
79
Ownership & PSC
2 active PSC(s) of 2 total, 2 with control declared
90
Director network
Network not yet resolved
30
Filing history
103 filings on record
85
Gazette notices
No matching gazette notices (standard for active companies)
60
Opportunity Score
78/100Strong
PassWatchWorth a lookStrongExceptional 

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

Business quality
70
Active, clean filings, stable charge profile.
Acquirability
65
Some acquirability indicators.
Risk profile
85
Few red flags.
Signal strength
100
Good data coverage for analysis.

Recent activity

Last 30 days
0
filings
Last 90 days
1
filing
  • • 1 confirmation-statement
Last 180 days
1
filing
  • • 1 confirmation-statement
Counts from Companies House filing history.
Corporate timeline (31 events)Click to expand
  1. 2025-11-18
    📄
    accounts-with-accounts-type-total-exemption-full
    accounts · AA
  2. 2025-02-28
    📄
    accounts-with-accounts-type-total-exemption-full
    accounts · AA
  3. 2023-12-14
    📄
    accounts-with-accounts-type-total-exemption-full
    accounts · AA
  4. 2022-11-09
    📄
    accounts-with-accounts-type-total-exemption-full
    accounts · AA
  5. 2022-02-22
    📄
    accounts-with-accounts-type-micro-entity
    accounts · AA
  6. 2021-01-21
    📄
    accounts-with-accounts-type-micro-entity
    accounts · AA
  7. 2021-01-21
    📄
    change-to-a-person-with-significant-control
    persons-with-significant-control · PSC04
  8. 2021-01-21
    📄
    change-to-a-person-with-significant-control
    persons-with-significant-control · PSC04
  9. 2021-01-21
    📄
    change-person-director-company-with-change-date
    officers · CH01
  10. 2021-01-21
    📄
    change-person-director-company-with-change-date
    officers · CH01
  11. 2021-01-21
    📄
    change-person-secretary-company-with-change-date
    officers · CH03
  12. 2020-03-05
    📄
    accounts-with-accounts-type-micro-entity
    accounts · AA
  13. 2019-02-04
    📄
    accounts-with-accounts-type-micro-entity
    accounts · AA
  14. 2018-02-07
    📄
    accounts-with-accounts-type-micro-entity
    accounts · AA
  15. 2017-03-27
    📄
    mortgage-satisfy-charge-full
    mortgage · MR04
  16. 2017-03-27
    🔓
    Charge satisfied #1
  17. 2008-05-31
    🔒
    Charge registered #3
    Lender: Clydesdale Bank PLC
  18. 2008-02-20
    ➕
    MCQUILLIN-BLAIR, Louise appointed
    director
  19. 2008-02-04
    🔒
    Charge registered #2
    Lender: Clydesdale Bank PLC
  20. 2007-10-01
    ➕
    MCQUILLIN-BLAIR, Louise appointed
    secretary
  21. 2007-10-01
    ➕
    MCQUILLIN-BLAIR, Paula appointed
    director
  22. 2007-10-01
    ➖
    SMITH, Joyce resigned
    secretary
  23. 2007-10-01
    ➖
    SMITH, Dennis Malcolm resigned
    director
  24. 2003-07-01
    🔒
    Charge registered #1
    Lender: Hsbc Bank PLC
  25. 1999-01-22
    ➖
    HARRISON, Irene Lesley resigned
    secretary
  26. 1999-01-15
    ➕
    HARRISON, Irene Lesley appointed
    secretary
  27. 1991-05-03
    🏢
    Company incorporated
    As CUMBRIA COACHES LIMITED
  28. 1991-05-03
    ➕
    SMITH, Joyce appointed
    secretary
  29. 1991-05-03
    ➕
    SWIFT INCORPORATIONS LIMITED appointed
    corporate-nominee-secretary
  30. 1991-05-03
    ➖
    SWIFT INCORPORATIONS LIMITED resigned
    corporate-nominee-secretary
  31. 1991-05-03
    ➕
    SMITH, Dennis Malcolm appointed
    director

Owner dependency

76/100
High — earn-out structure required

Material founder dependency. Consider a 2-3 year earn-out and build in a handover plan before completion.

FACTORS
  • +Two-director setup: Only two active directors — typical of owner-managed SMEs but limits succession.
  • +Long-tenure founder: Senior director has been in place 19 years — deep operational knowledge concentrated in one person.
  • +Family involvement: Multiple officers share a surname — likely family business, which concentrates governance.

Succession & seller-readiness

59/100
Strong succession signal

Multiple signals suggest succession is on the horizon. Candidate for proactive outreach.

SIGNALS
  • secondaryTwo-director governance: Small-team governance. Succession depth is thin but not absent.
  • secondary12+ year tenure: Director in role 19 years.
  • secondaryStable-but-static management: Company is 35 years old and no new directors in the last 3 years — succession not yet being planned internally.
  • supportingClean filings + long tenure: Disciplined long-tenure operator — classic lifestyle-business pattern that often sells quietly.

Red flags

clean
No 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
NameSharesVoting rightsNature of controlNotified
Miss Louise Mcquillin-Blair
Individual · British · DOB 03/1971 · age 55
25–50%
25–50%25-50% shares · 25-50% voting01/07/2016
Miss Paula Mcquillin-Blair
Individual · British · DOB 03/1972 · age 54
25–50%
25–50%25-50% shares · 25-50% voting01/07/2016

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

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

6 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
Incorporated1991-05-03
Jurisdictionengland-wales
Primary SIC49390 — SIC 49390

Registered office

Alga House, Brunel Way
Durranhill Industrial Estate
Carlisle
CA1 3NQ

Filing status

Accounts
Next due: 2027-06-30
Last made up to: 2025-09-30
Confirmation statement
Next due: 2027-05-13
Last: 2026-04-29

Officers (3 active · 4 resigned)

MCQUILLIN-BLAIR, Louise→
secretary · appointed 2007-10-01
View their other companies + combined net worth →
Active
MCQUILLIN-BLAIR, Louise→
director · ~55y · appointed 2008-02-20
View their other companies + combined net worth →
Active
MCQUILLIN-BLAIR, Paula→
director · ~54y · appointed 2007-10-01
View their other companies + combined net worth →
Active
HARRISON, Irene Lesley→
secretary · appointed 1999-01-15 · resigned 1999-01-22
Resigned
SMITH, Joyce→
secretary · appointed 1991-05-03 · resigned 2007-10-01
Resigned
SWIFT INCORPORATIONS LIMITED→
corporate-nominee-secretary · appointed 1991-05-03 · resigned 1991-05-03
Resigned
SMITH, Dennis Malcolm→
director · ~75y · appointed 1991-05-03 · resigned 2007-10-01
Resigned

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

Mortgages & charges

3
Total charges
2
Outstanding
1
Active lenders
Status:Lender:3 of 3 shown
TypeProperties
outstanding
Virgin Money
Clydesdale Bank PLC
Legal mortgage1 property31/05/2008—
outstanding
Virgin Money
Clydesdale Bank PLC
Debenture1 property04/02/2008—
satisfied
HSBC
Hsbc Bank PLC
Debenture1 property01/07/200327/03/2017
Click column headers to sort. Use filters above to narrow by status and lender.

Recent filings (103 total)

confirmation-statement-with-no-updates
confirmation-statement · CS01
2026-04-30
accounts-with-accounts-type-total-exemption-full
accounts · AA
2025-11-18
confirmation-statement-with-no-updates
confirmation-statement · CS01
2025-04-29
accounts-with-accounts-type-total-exemption-full
accounts · AA
2025-02-28
confirmation-statement-with-no-updates
confirmation-statement · CS01
2024-04-29
accounts-with-accounts-type-total-exemption-full
accounts · AA
2023-12-14
confirmation-statement-with-no-updates
confirmation-statement · CS01
2023-05-03
accounts-with-accounts-type-total-exemption-full
accounts · AA
2022-11-09
confirmation-statement-with-no-updates
confirmation-statement · CS01
2022-05-03
accounts-with-accounts-type-micro-entity
accounts · AA
2022-02-22
confirmation-statement-with-no-updates
confirmation-statement · CS01
2021-05-04
accounts-with-accounts-type-micro-entity
accounts · AA
2021-01-21
change-to-a-person-with-significant-control
persons-with-significant-control · PSC04
2021-01-21
change-to-a-person-with-significant-control
persons-with-significant-control · PSC04
2021-01-21
change-person-director-company-with-change-date
officers · CH01
2021-01-21