CUMBRIA INSURANCE BROKERS LIMITED
💤Zombieactive
04417043 · ltd · incorporated 2002-04-15
Investment thesis
Zombie company — trading but stalled; unlikely mover.
Why interesting: Quiet, steady; could be a succession or carve-out candidate with the right conversation.
Why risky: No growth signal; thin margin for error on price.
🔒Estimated value
—
Upgrade to see
Turnover
—
not disclosed
Net worth
—
book net assets
Opportunity
74/100
Strong
What this business does
Primary activity: Non-life insurance
Sector: Financial & insurance
Investor take
PursueActive trading company with a 60-year-old founder — textbook succession opportunity.
Opportunity 74/100 (strong), bankability 77/100. Strong seller-intent signal (65/100, director aged 60). Share purchase looks the cleaner deal structure. Biggest value-creation lever: Consolidate lender relationships. 3 distinct lenders creates friction — refinance into single-lender structure for cleaner diligence. Most likely exit: share sale to pe / searcher (73/100).
🏦
Refinance opportunity
3 live charges · 3 lenders · oldest 23.7y
15/100
under pressure
Refinance would be pressure-driven, not opportunity-driven. Expect tighter margins and covenant scrutiny.
- · Oldest live charge is 23.7 years old — likely at or near maturity.
- · 3 lenders named — inter-creditor friction likely.
- · Distress signals active — lender appetite narrows.
Data confidence
Overall: medium (59/100)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
3 charges (3/3 with lender, 3/3 with type)
90
Directors & officers
11 officers (2 active, 11 linked, 6 with DOB)
81
Ownership & PSC
1 active PSC(s) of 2 total, 2 with control declared
90
Director network
10 connected companies via shared directors
75
Filing history
96 filings on record
85
Gazette notices
No matching gazette notices (standard for active companies)
60
Opportunity Score
74/100Strong
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
69
Some moderate concerns — review flags.
Signal strength
100
Good data coverage for analysis.
Recent activity
Last 30 days
0
filings
Last 90 days
3
filings
- • 2 officers
- • 1 confirmation-statement
Last 180 days
3
filings
- • 2 officers
- • 1 confirmation-statement
Counts from Companies House filing history.
Corporate timeline (47 events)Click to expand
- 2026-04-15📄termination-director-company-with-name-termination-dateofficers · TM01
- 2026-04-01📄termination-director-company-with-name-termination-dateofficers · TM01
- 2026-03-18➖BLAND, Simon Christopher resigneddirector
- 2026-02-28➖COSTER, Marc resigneddirector
- 2025-10-29📄accounts-with-accounts-type-audit-exemption-subsiduaryaccounts · AA
- 2025-10-29📄legacyaccounts · PARENT_ACC
- 2025-10-29📄legacyother · AGREEMENT2
- 2025-10-29📄legacyother · GUARANTEE2
- 2025-10-10📄legacyother · GUARANTEE2
- 2025-07-22📄appoint-person-secretary-company-with-name-dateofficers · AP03
- 2025-07-21📄termination-director-company-with-name-termination-dateofficers · TM01
- 2025-07-20➕PEEL, Alistair Charles appointedsecretary
- 2025-07-20➖POWELL, Eliot James resigneddirector
- 2025-03-18📄change-person-director-company-with-change-dateofficers · CH01
- 2025-03-04➕COSTER, Marc appointeddirector
- 2025-03-04➖SEED, Craig Arthur resigneddirector
- 2025-03-04📄termination-director-company-with-name-termination-dateofficers · TM01
- 2025-03-04📄appoint-person-director-company-with-name-dateofficers · AP01
- 2025-01-15📄appoint-person-director-company-with-name-dateofficers · AP01
- 2024-12-20➕POWELL, Eliot James appointeddirector
- 2024-10-12📄accounts-with-accounts-type-audit-exemption-subsiduaryaccounts · AA
- 2024-10-12📄legacyaccounts · PARENT_ACC
- 2024-10-12📄legacyother · AGREEMENT2
- 2024-10-12📄legacyother · GUARANTEE2
- 2023-08-18📄accounts-with-accounts-type-smallaccounts · AA
- 2022-09-02📄accounts-with-accounts-type-smallaccounts · AA
- 2022-03-14📍change-registered-office-address-company-with-date-old-address-new-addressaddress · AD01
- 2021-08-11➕PAGE, John David appointeddirector
- 2021-08-11➖BRADBURY, Deborah Clare resignedsecretary
- 2021-08-11➕BLAND, Simon Christopher appointeddirector
- 2021-08-11➖BRADBURY, Paul resigneddirector
- 2021-08-11➕SEED, Craig Arthur appointeddirector
- 2021-07-23🔓Charge satisfied #3
- 2012-01-04🔓Charge satisfied #2
- 2012-01-04🔓Charge satisfied #1
- 2010-06-04🔒Charge registered #3Lender: Clydesdale Bank PLC
- 2003-03-04🔒Charge registered #2Lender: Mpw (Carlisle) Limited Formerly K/a Cumbria Insurance Brokers Limited
- 2002-10-03➕BRADBURY, Deborah Clare appointedsecretary
- 2002-10-03➖DLA SECRETARIAL SERVICES LIMITED resignedcorporate-nominee-secretary
- 2002-10-03➕BRADBURY, Paul appointeddirector
- 2002-10-03➖DLA NOMINEES LIMITED resignedcorporate-nominee-director
- 2002-10-03➖DLA SECRETARIAL SERVICES LIMITED resignedcorporate-nominee-director
- 2002-10-03🔒Charge registered #1Lender: The Governor and Company of the Bank of Scotland
- 2002-04-15🏢Company incorporatedAs CUMBRIA INSURANCE BROKERS LIMITED
- 2002-04-15➕DLA SECRETARIAL SERVICES LIMITED appointedcorporate-nominee-secretary
- 2002-04-15➕DLA NOMINEES LIMITED appointedcorporate-nominee-director
- 2002-04-15➕DLA SECRETARIAL SERVICES LIMITED appointedcorporate-nominee-director
Owner dependency
83/100
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
- +Sole director: Only one active director — all governance concentrated on one person.
- +Senior director age: Director aged approximately 60 — approaching natural succession window.
Succession & seller-readiness
55/100
Strong succession signalMultiple signals suggest succession is on the horizon. Candidate for proactive outreach.
SIGNALS
- secondaryFounder aged 58+: Senior director is approximately 60. Early succession window.
- primarySole active director: Only one director in control. No visible successor — buyers solve the succession problem.
Red flags
2 med ·3 director resignations in last 12 months
mediumMultiple recent departures can indicate governance disagreement, succession event, or preparation for sale/stress.
Evidence: BLAND, Simon Christopher resigned 2026-03-18; COSTER, Marc resigned 2026-02-28; POWELL, Eliot James resigned 2025-07-20
Charge satisfaction-then-recreation pattern
mediumMultiple instances where a charge was satisfied and a new charge created within 6 months. Suggests active refinancing cycle.
Group structure
Pdc Holdings Limited is the ultimate parent — holding 75%+ shares. This company sits inside their group.
🏛️ultimate parent
Pdc Holdings Limited
Corporate parent · holds 75-100% shares · board control
⬇
CUMBRIA INSURANCE BROKERS LIMITED
This company · 04417043
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%| Name | Shares | Voting rights | Nature of control | Notified |
|---|---|---|---|---|
Pdc Holdings Limited Corporate entity | 75–100% | 75–100% | board control75-100% shares · 75-100% voting · board control | 16/04/2016 |
1 historic (ceased) PSC
- Mr Paul Bradburyceased 11/08/2021· significant influence
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
Incorporated2002-04-15
Jurisdictionengland-wales
Primary SIC65120 — Non-life insurance
Registered office
5 Clifford Court
Cooper Way
Carlisle
Cumbria
CA3 0JG
United Kingdom
Filing status
Accounts
Next due: 2026-09-30
Last made up to: 2024-12-31
Confirmation statement
Next due: 2027-04-29
Last: 2026-04-15
Officers (2 active · 9 resigned)
PEEL, Alistair Charles→
Activesecretary · appointed 2025-07-20
View their other companies + combined net worth →
PAGE, John David→
Activedirector · ~60y · appointed 2021-08-11
View their other companies + combined net worth →
BRADBURY, Deborah Clare→
Resignedsecretary · appointed 2002-10-03 · resigned 2021-08-11
DLA SECRETARIAL SERVICES LIMITED→
Resignedcorporate-nominee-secretary · appointed 2002-04-15 · resigned 2002-10-03
BLAND, Simon Christopher→
Resigneddirector · ~60y · appointed 2021-08-11 · resigned 2026-03-18
BRADBURY, Paul→
Resigneddirector · ~65y · appointed 2002-10-03 · resigned 2021-08-11
COSTER, Marc→
Resigneddirector · ~48y · appointed 2025-03-04 · resigned 2026-02-28
POWELL, Eliot James→
Resigneddirector · ~55y · appointed 2024-12-20 · resigned 2025-07-20
SEED, Craig Arthur→
Resigneddirector · ~56y · appointed 2021-08-11 · resigned 2025-03-04
DLA NOMINEES LIMITED→
Resignedcorporate-nominee-director · appointed 2002-04-15 · resigned 2002-10-03
DLA SECRETARIAL SERVICES LIMITED→
Resignedcorporate-nominee-director · appointed 2002-04-15 · resigned 2002-10-03
Click a director name to see their full track record across all companies.
Mortgages & charges
3
Total charges
0
Outstanding
0
Active lenders
Status:Lender:3 of 3 shown
| Type | Properties | |||||
|---|---|---|---|---|---|---|
| satisfied | Virgin Money Clydesdale Bank PLC | Debenture | 1 property | 04/06/2010 | 23/07/2021 | |
| satisfied | Mpw (Carlisle) Formerly K/a Cumbria Insurance Brokers Mpw (Carlisle) Limited Formerly K/a Cumbria Insurance Brokers Limited | Debenture | 1 property | 04/03/2003 | 04/01/2012 | |
| satisfied | Lloyds Banking Group The Governor and Company of the Bank of Scotland | Debenture | 1 property | 03/10/2002 | 04/01/2012 |
Recent filings (96 total)
confirmation-statement-with-no-updates
confirmation-statement · CS01
2026-04-28
termination-director-company-with-name-termination-date
officers · TM01
2026-04-15
termination-director-company-with-name-termination-date
officers · TM01
2026-04-01
accounts-with-accounts-type-audit-exemption-subsiduary
accounts · AA
2025-10-29
legacy
accounts · PARENT_ACC
2025-10-29
legacy
other · AGREEMENT2
2025-10-29
legacy
other · GUARANTEE2
2025-10-29
legacy
other · GUARANTEE2
2025-10-10
appoint-person-secretary-company-with-name-date
officers · AP03
2025-07-22
termination-director-company-with-name-termination-date
officers · TM01
2025-07-21
confirmation-statement-with-no-updates
confirmation-statement · CS01
2025-04-25
change-person-director-company-with-change-date
officers · CH01
2025-03-18
termination-director-company-with-name-termination-date
officers · TM01
2025-03-04
appoint-person-director-company-with-name-date
officers · AP01
2025-03-04
appoint-person-director-company-with-name-date
officers · AP01
2025-01-15