CUMBERLAND FOOTBALL ASSOCIATION LIMITED
- · Oldest live charge 26.1y old — refinance window within 12 months
Opportunity 79/100 (strong), bankability 80/100. Strong seller-intent signal (63/100, director aged 80). Share purchase looks the cleaner deal structure. Biggest value-creation lever: Discharge stale live charges. 1 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
1 live charge · oldest 26.1y
Refinance viable after a tidy-up — address the highlighted items first.
- · Oldest live charge is 26.1 years old — likely at or near maturity.
- · Single lender — cleanest path to refinance.
- · Legal-friction score 38/100 — workable, but lender will want more DD.
Data confidence
Overall: medium (72/100)Adequate coverage. AI outputs are reliable for the sections scored high; verify the rest in diligence.
Solid opportunity signal. Worth a dedicated memo and management meeting.
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 | 2025-06-30 | 2024-06-30 |
|---|---|---|
| Average employees | 800 | 1200 |
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 officers
- • 4 officers
- • 1 accounts
- • 1 confirmation-statement
Corporate timeline (70 events)Click to expand
- 2026-04-27📄termination-director-company-with-name-termination-dateofficers · TM01
- 2026-04-24➖PATTISON, Adam David resigneddirector
- 2026-03-25📄accounts-with-accounts-type-total-exemption-fullaccounts · AA
- 2026-02-26📄change-person-director-company-with-change-dateofficers · CH01
- 2026-02-26📄change-person-director-company-with-change-dateofficers · CH01
- 2026-02-05📄termination-director-company-with-name-termination-dateofficers · TM01
- 2026-01-27➖EARLY, Keelan resigneddirector
- 2025-12-21📍change-registered-office-address-company-with-date-old-address-new-addressaddress · AD01
- 2025-12-19📄change-person-director-company-with-change-dateofficers · CH01
- 2025-12-19📄change-person-director-company-with-change-dateofficers · CH01
- 2025-10-24📄change-person-director-company-with-change-dateofficers · CH01
- 2025-06-06📍change-registered-office-address-company-with-date-old-address-new-addressaddress · AD01
- 2025-03-14📄accounts-with-accounts-type-total-exemption-fullaccounts · AA
- 2025-02-07📄appoint-person-director-company-with-name-dateofficers · AP01
- 2025-02-07📄appoint-person-director-company-with-name-dateofficers · AP01
- 2024-10-11➕DRUMMOND, Mark James appointeddirector
- 2024-10-04➕EARLY, Keelan appointeddirector
- 2024-09-17📄termination-director-company-with-name-termination-dateofficers · TM01
- 2024-09-13➖PARKER, Ian resigneddirector
- 2024-08-05📄resolutionresolution · RESOLUTIONS
- 2024-08-05📄memorandum-articlesincorporation · MA
- 2024-01-25📄appoint-person-director-company-with-name-dateofficers · AP01
- 2024-01-19📄termination-director-company-with-name-termination-dateofficers · TM01
- 2024-01-15➕DAVIDSON, Nigel Bryson appointeddirector
- 2024-01-09➖TAYLOR, John Christopher resigneddirector
- 2023-11-23📄accounts-with-accounts-type-total-exemption-fullaccounts · AA
- 2023-02-15📄accounts-with-accounts-type-total-exemption-fullaccounts · AA
- 2023-02-02📄termination-director-company-with-name-termination-dateofficers · TM01
- 2022-12-31➖CONWAY, Fred resigneddirector
- 2020-12-31➖JACKSON, Tom Edwin resigneddirector
- 2020-01-13➕RUDD, Jacqueline Catherine appointeddirector
- 2019-01-14➖MURPHY, Christine resigneddirector
- 2019-01-14➕PATTISON, Adam David appointeddirector
- 2019-01-14➖TAYLOR, Brian resigneddirector
- 2017-02-13➕PARKER, Ian appointeddirector
- 2012-08-28➕SNOWDON, Ben appointedsecretary
- 2012-08-28➖TURRELL, Geoffrey resignedsecretary
- 2012-08-28➖TURRELL, Geoffrey resigneddirector
- 2011-12-17➕SNOWDON, Ben appointeddirector
- 2011-07-04➕MURPHY, Christine appointeddirector
- 2007-08-18➕TURRELL, Geoffrey appointedsecretary
- 2007-08-17➖MURPHY, Joseph Albert resignedsecretary
- 2007-08-17➖MURPHY, Joseph Albert resigneddirector
- 2007-06-07➕POOLE, Stephen Mark appointeddirector
- 2007-06-07➕ROGERSON, John appointeddirector
- 2007-06-07➖BROGDEN, Walter resigneddirector
- 2007-06-07➕JACKSON, Tom Edwin appointeddirector
- 2007-06-07➖WILLIAMSON, Jack resigneddirector
- 2007-06-07➖WILSON, William resigneddirector
- 2006-01-10➕CONWAY, Fred appointeddirector
Owner dependency
Material founder dependency. Consider a 2-3 year earn-out and build in a handover plan before completion.
- -6 active directors: Broader management team in place — suggests transferable governance.
- +Long-tenure founder: Senior director has been in place 19 years — deep operational knowledge concentrated in one person.
- +Founder age: Director aged approximately 80 — succession pressure is live.
Succession & seller-readiness
Multiple signals suggest succession is on the horizon. Candidate for proactive outreach.
- primaryFounder aged 70+: Senior director is approximately 80 years old. Natural succession window is now.
- secondary12+ year tenure: Director in role 19 years.
- supportingClean filings + long tenure: Disciplined long-tenure operator — classic lifestyle-business pattern that often sells quietly.
Red flags
1 med · 1 lowMultiple recent departures can indicate governance disagreement, succession event, or preparation for sale/stress.
Evidence: EARLY, Keelan resigned 2026-01-27; PATTISON, Adam David resigned 2026-04-24
Multiple address changes in a short period can indicate operational instability or admin disorder.
Radial SVG graph showing every company connected via shared directors, colour-coded by status.
Available from the Pro tier upwards.
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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 (7 active · 20 resigned)
Click a director name to see their full track record across all companies.
Mortgages & charges
| Type | Properties | |||||
|---|---|---|---|---|---|---|
| outstanding | HSBC Hsbc Bank PLC | Debenture | 1 property | 23/05/2000 | — |