JONATHAN CUMING ESTATES LIMITED
💤Zombieactive
04418818 · ltd · incorporated 2002-04-17
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
—
year to Apr 2025
Net worth
—
book net assets
Opportunity
78/100
Strong
What this business does
Primary activity: Other letting and operating of own or leased real estate
Sector: Real estate
Investor take
PursueProperty-backed borrower with a 66-year-old founder — textbook succession opportunity.
Opportunity 78/100 (strong), bankability 57/100. Strong seller-intent signal (83/100, director aged 66). Share purchase looks the cleaner deal structure. Biggest value-creation lever: Consolidate lender relationships. 4 distinct lenders creates friction — refinance into single-lender structure for cleaner diligence. Most likely exit: share sale to pe / searcher (73/100).
🏦
Refinance opportunity
7 live charges · 4 lenders · oldest 5.3y
15/100
under pressure
Refinance would be pressure-driven, not opportunity-driven. Expect tighter margins and covenant scrutiny.
- · Oldest live charge is 5.3 years old — likely at or near maturity.
- · 4 lenders named — inter-creditor friction likely.
- · Distress signals active — lender appetite narrows.
Data confidence
Overall: medium (76/100)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
2 years of iXBRL accounts extracted (YoY deltas available) + narrative notes parsed
75
Lenders & charges
7 charges (7/7 with lender, 7/7 with type)
90
Directors & officers
4 officers (1 active, 4 linked, 1 with DOB)
75
Ownership & PSC
1 active PSC(s) of 1 total, 1 with control declared
90
Director network
Network not yet resolved
30
Filing history
64 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
60
Adequate — check latest filings for context.
Acquirability
80
Strong succession / seller-readiness signals.
Risk profile
82
Few red flags.
Signal strength
100
Good data coverage for analysis.
Key financials
2 years extracted from filed iXBRL accountsCash
—
Net Worth
—
Current Assets
—
Current Liabilities
—
Hover to see exact values · click legend to toggle series
Financials
Extracted from Companies House accounts · accounting standard unknown| Metric | 2025-04-30 | 2024-04-30 |
|---|
Amounts extracted automatically from iXBRL. Fields left blank were not reported or not mapped. Values in GBP unless stated.
🔒Filing-note intelligence
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
Last 30 days
1
filing
- • 1 confirmation-statement
Last 90 days
3
filings
- • 2 mortgage
- • 1 confirmation-statement
Last 180 days
4
filings
- • 2 mortgage
- • 1 confirmation-statement
- • 1 accounts
Counts from Companies House filing history.
Corporate timeline (32 events)Click to expand
- 2026-04-14📄mortgage-create-with-deed-with-charge-number-charge-creation-datemortgage · MR01
- 2026-04-14📄mortgage-create-with-deed-with-charge-number-charge-creation-datemortgage · MR01
- 2026-04-10🔒Charge registered #7Lender: Lendinvest Btl Limited
- 2026-04-10🔒Charge registered #6Lender: Lendinvest Btl Limited
- 2026-01-27📄accounts-with-accounts-type-micro-entityaccounts · AA
- 2025-01-23📄accounts-with-accounts-type-micro-entityaccounts · AA
- 2024-04-11📄mortgage-create-with-deed-with-charge-number-charge-creation-datemortgage · MR01
- 2024-04-08🔒Charge registered #5Lender: Landbay Partners Limited
- 2024-01-29📄accounts-with-accounts-type-micro-entityaccounts · AA
- 2023-01-31📄accounts-with-accounts-type-micro-entityaccounts · AA
- 2022-07-13📄change-person-director-company-with-change-dateofficers · CH01
- 2022-07-13📄change-person-director-company-with-change-dateofficers · CH01
- 2022-04-05📄mortgage-create-with-deed-with-charge-number-charge-creation-datemortgage · MR01
- 2022-03-31🔒Charge registered #4Lender: Lloyds Bank PLC
- 2022-01-28📄accounts-with-accounts-type-micro-entityaccounts · AA
- 2021-04-26📄mortgage-create-with-deed-with-charge-number-charge-creation-datemortgage · MR01
- 2021-04-23📄accounts-with-accounts-type-micro-entityaccounts · AA
- 2021-04-23🔒Charge registered #3Lender: Shawbrook Bank Limited
- 2021-04-03📄mortgage-create-with-deed-with-charge-number-charge-creation-datemortgage · MR01
- 2021-03-25🔒Charge registered #2Lender: Lloyds Bank PLC
- 2021-03-22📄mortgage-create-with-deed-with-charge-number-charge-creation-datemortgage · MR01
- 2021-03-19🔒Charge registered #1Lender: Lloyds Bank PLC
- 2020-01-31📄accounts-with-accounts-type-micro-entityaccounts · AA
- 2018-05-14📄accounts-with-accounts-type-dormantaccounts · AA
- 2009-03-01➖SIGGERY, Michelle resignedsecretary
- 2002-04-17🏢Company incorporatedAs JONATHAN CUMING ESTATES LIMITED
- 2002-04-17➕CUMING, Edward Jonathan appointeddirector
- 2002-04-17➕SIGGERY, Michelle appointedsecretary
- 2002-04-17➕MORGAN WEBSTER LAWRIE (SECRETARIES) LIMITED appointedcorporate-nominee-secretary
- 2002-04-17➖MORGAN WEBSTER LAWRIE (SECRETARIES) LIMITED resignedcorporate-nominee-secretary
- 2002-04-17➕MWL DIRECTORS LIMITED appointedcorporate-nominee-director
- 2002-04-17➖MWL DIRECTORS LIMITED resignedcorporate-nominee-director
Owner dependency
100/100
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.
- +Founder name in company name: Company name contains director surname "CUMING" — strong identity link between founder and business.
- +Long-tenure founder: Senior director has been in place 24 years — deep operational knowledge concentrated in one person.
- +Founder age: Director aged approximately 66 — succession pressure is live.
Succession & seller-readiness
95/100
Likely off-market candidateStrong acquirability signals converging. Worth approaching directly — this is how off-market deals start.
SIGNALS
- primaryFounder aged 63+: Senior director is approximately 66. Approaching typical UK retirement age — succession thinking likely.
- primarySole active director: Only one director in control. No visible successor — buyers solve the succession problem.
- primary20+ year tenure: Director in role 24 years. Very long tenure is a classic succession signal.
- secondaryStable-but-static management: Company is 24 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
1 low7 live charges
lowHeavily leveraged with multiple live security positions — understand the capital structure before proceeding.
Shareholders & ownership
1 active beneficial owner · dominant holder ≥75%| Name | Shares | Voting rights | Nature of control | Notified |
|---|---|---|---|---|
Mr Edward Jonathan Cuming Individual · British · DOB 09/1960 · age 66 | 75–100% | — | 75-100% shares | 06/04/2016 |
From Companies House Persons with Significant Control filings. Share ranges are banded per the public PSC regime.
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Active · Property · TQ postcode area| Company | Est. value | Turnover | Net worth | Staff | Age | Opp | Director |
|---|---|---|---|---|---|---|---|
| A & P BRAUNTON LIMITED→ 09395803 · est 2015 · no financials extracted | — | — | — | — | 11y | — | — |
| A.R.J.S BUILDINGS LTD→ 15120443 · est 2023 · no financials extracted | — | — | — | — | 2y | — | — |
| ADAM CARTER PROPERTIES LTD→ 14731918 · est 2023 · no financials extracted | — | — | — | — | 3y | — | — |
| ADVANTAGE RESIDENTIAL LTD→ 10923629 · est 2017 · no financials extracted | — | — | — | — | 8y | — | — |
| AHS PROPERTY RENTALS LIMITED→ 16713424 · est 2025 · no financials extracted | — | — | — | — | — | — | — |
| AITKEN STONE LIMITED→ 10251320 · est 2016 · no financials extracted | — | — | — | — | 9y | — | — |
| ALBION COURT MANAGEMENT COMPANY (BRIXHAM) LIMITED→ 04560551 · est 2002 · no financials extracted | — | — | — | — | 23y | — | — |
| ALFS FISH & CHIPS LIMITED→ 05700629 · est 2006 · no financials extracted | — | — | — | — | 20y | — | — |
| ALL GUYS LTD→ 14492312 · est 2022 · no financials extracted | — | — | — | — | 3y | — | — |
| ALPHA EFRIDES LIMITED→ 16757895 · est 2025 · no financials extracted | — | — | — | — | — | — | — |
| ALPHABET PROPERTY INVESTMENTS LIMITED→ 14819680 · est 2023 · no financials extracted | — | — | — | — | 2y | — | — |
| AMANDA AYSHFORD ESTATE AGENTS LIMITED→ 14143169 · est 2022 · no financials extracted | — | — | — | — | 3y | — | — |
Peers ranked by estimated value, then turnover, then opportunity score.See all →
🔒Tailored diligence questions
10 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
Incorporated2002-04-17
Jurisdictionengland-wales
Primary SIC68209 — Other letting and operating of own or leased real estate
Registered office
Braddon Villa
30 Braddons Hill Road East
Torquay
Devon
TQ1 1HB
Filing status
Accounts
Next due: 2027-01-31
Last made up to: 2025-04-30
Confirmation statement
Next due: 2027-05-25
Last: 2026-05-11
Officers (1 active · 3 resigned)
CUMING, Edward Jonathan→
Activedirector · ~66y · appointed 2002-04-17
View their other companies + combined net worth →
SIGGERY, Michelle→
Resignedsecretary · appointed 2002-04-17 · resigned 2009-03-01
MORGAN WEBSTER LAWRIE (SECRETARIES) LIMITED→
Resignedcorporate-nominee-secretary · appointed 2002-04-17 · resigned 2002-04-17
MWL DIRECTORS LIMITED→
Resignedcorporate-nominee-director · appointed 2002-04-17 · resigned 2002-04-17
Click a director name to see their full track record across all companies.
Mortgages & charges
7
Total charges
7
Outstanding
4
Active lenders
Status:Lender:7 of 7 shown
| Type | Properties | |||||
|---|---|---|---|---|---|---|
| outstanding | LendInvest Lendinvest Btl Limited | A registered charge | 1 property | 10/04/2026 | — | |
| outstanding | LendInvest Lendinvest Btl Limited | A registered charge | 2 properties | 10/04/2026 | — | |
| outstanding | Landbay Landbay Partners Limited | A registered charge | 1 property | 08/04/2024 | — | |
| outstanding | Lloyds Banking Group Lloyds Bank PLC | A registered charge | 1 property | 31/03/2022 | — | |
| outstanding | Shawbrook Shawbrook Bank Limited | A registered charge | 1 property | 23/04/2021 | — | |
| outstanding | Lloyds Banking Group Lloyds Bank PLC | A registered charge | 1 property | 25/03/2021 | — | |
| outstanding | Lloyds Banking Group Lloyds Bank PLC | A registered charge | — | 19/03/2021 | — |
Click column headers to sort. Use filters above to narrow by status and lender.
Recent filings (64 total)
confirmation-statement-with-updates
confirmation-statement · CS01
2026-05-26
mortgage-create-with-deed-with-charge-number-charge-creation-date
mortgage · MR01
2026-04-14
mortgage-create-with-deed-with-charge-number-charge-creation-date
mortgage · MR01
2026-04-14
accounts-with-accounts-type-micro-entity
accounts · AA
2026-01-27
confirmation-statement-with-updates
confirmation-statement · CS01
2025-05-20
accounts-with-accounts-type-micro-entity
accounts · AA
2025-01-23
confirmation-statement-with-updates
confirmation-statement · CS01
2024-05-22
mortgage-create-with-deed-with-charge-number-charge-creation-date
mortgage · MR01
2024-04-11
accounts-with-accounts-type-micro-entity
accounts · AA
2024-01-29
confirmation-statement-with-updates
confirmation-statement · CS01
2023-05-18
accounts-with-accounts-type-micro-entity
accounts · AA
2023-01-31
change-person-director-company-with-change-date
officers · CH01
2022-07-13
change-person-director-company-with-change-date
officers · CH01
2022-07-13
confirmation-statement-with-no-updates
confirmation-statement · CS01
2022-05-12
mortgage-create-with-deed-with-charge-number-charge-creation-date
mortgage · MR01
2022-04-05