CUMBRIAN STONE LIMITED
🌳Matureactive
05698540 · ltd · incorporated 2006-02-06
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 15.4y old — refinance window within 12 months
🔒Estimated value
—
Upgrade to see
Turnover
—
not disclosed
Net worth
—
book net assets
Opportunity
83/100
Exceptional
What this business does
Primary activity: SIC 08110
Sector: Mining & quarrying
Investor take
PursueActive trading company with a 61-year-old founder — textbook succession opportunity.
Opportunity 83/100 (exceptional), bankability 85/100. Strong seller-intent signal (70/100, director aged 61). Share purchase looks the cleaner deal structure. Most likely exit: share sale to pe / searcher (65/100).
🏦
Refinance opportunity
1 live charge · oldest 15.4y
85/100
ready
Refinance conversation should be productive — structure clean and timing right.
- · Oldest live charge is 15.4 years old — likely at or near maturity.
- · Single lender — cleanest path to refinance.
- · Legal-friction score 15/100 — clean.
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
1 charges (1/1 with lender, 1/1 with type)
90
Directors & officers
6 officers (3 active, 6 linked, 3 with DOB)
80
Ownership & PSC
1 active PSC(s) of 1 total, 1 with control declared
90
Director network
Network not yet resolved
30
Filing history
61 filings on record
85
Gazette notices
No matching gazette notices (standard for active companies)
60
Opportunity Score
83/100Exceptional
PassWatchWorth a lookStrongExceptional
Strong composite across quality, acquirability, and risk. High-priority target — progress to serious diligence.
Business quality
70
Active, clean filings, stable charge profile.
Acquirability
85
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
1
filing
- • 1 confirmation-statement
Counts from Companies House filing history.
Corporate timeline (27 events)Click to expand
- 2025-09-15📄accounts-with-accounts-type-total-exemption-fullaccounts · AA
- 2024-09-27📄accounts-with-accounts-type-total-exemption-fullaccounts · AA
- 2024-02-14📄change-person-director-company-with-change-dateofficers · CH01
- 2024-02-13📄change-to-a-person-with-significant-controlpersons-with-significant-control · PSC04
- 2024-02-12📄change-person-secretary-company-with-change-dateofficers · CH03
- 2023-09-13📄accounts-with-accounts-type-total-exemption-fullaccounts · AA
- 2023-04-12📄accounts-with-accounts-type-total-exemption-fullaccounts · AA
- 2021-09-24📄accounts-with-accounts-type-total-exemption-fullaccounts · AA
- 2020-09-14📄accounts-with-accounts-type-total-exemption-fullaccounts · AA
- 2019-09-24📄accounts-with-accounts-type-total-exemption-fullaccounts · AA
- 2018-10-30📄accounts-with-accounts-type-total-exemption-fullaccounts · AA
- 2018-06-12📄mortgage-satisfy-charge-fullmortgage · MR04
- 2018-06-12🔓Charge satisfied #1
- 2017-11-08📄accounts-with-accounts-type-total-exemption-fullaccounts · AA
- 2016-11-02📍change-registered-office-address-company-with-date-old-address-new-addressaddress · AD01
- 2016-10-19📄accounts-with-accounts-type-total-exemption-smallaccounts · AA
- 2011-02-01🔒Charge registered #1Lender: Anthony Metcalfe
- 2011-01-31➖HAMILTON, Alan John resigneddirector
- 2010-11-01➕JOHNSTONE, James Mark appointeddirector
- 2006-02-06🏢Company incorporatedAs CUMBRIAN STONE LIMITED
- 2006-02-06➕DUNN, Elizabeth Fiona appointedsecretary
- 2006-02-06➕DUNN, Elizabeth Fiona appointeddirector
- 2006-02-06➕BHARDWAJ, Ashok appointednominee-secretary
- 2006-02-06➖BHARDWAJ, Ashok resignednominee-secretary
- 2006-02-06➕HAMILTON, Alan John appointeddirector
- 2006-02-06➕BHARDWAJ CORPORATE SERVICES LIMITED appointedcorporate-nominee-director
- 2006-02-06➖BHARDWAJ CORPORATE SERVICES LIMITED resignedcorporate-nominee-director
Owner dependency
76/100
High — earn-out structure requiredMaterial 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 20 years — deep operational knowledge concentrated in one person.
- +Senior director age: Director aged approximately 61 — approaching natural succession window.
Succession & seller-readiness
76/100
Likely off-market candidateStrong acquirability signals converging. Worth approaching directly — this is how off-market deals start.
SIGNALS
- secondaryFounder aged 58+: Senior director is approximately 61. Early succession window.
- secondaryTwo-director governance: Small-team governance. Succession depth is thin but not absent.
- primary20+ year tenure: Director in role 20 years. Very long tenure is a classic succession signal.
- secondaryStable-but-static management: Company is 20 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
cleanNo red flags detected from available public data. (This is not a clean bill of health — detailed accounts review still recommended.)
Shareholders & ownership
1 active beneficial owner · dominant holder ≥75%| Name | Shares | Voting rights | Nature of control | Notified |
|---|---|---|---|---|
Miss Elizabeth Fiona Dunn Individual · British · DOB 01/1965 · age 61 | 75–100% | 75–100% | 75-100% shares · 75-100% voting · trust interest | 01/06/2016 |
From Companies House Persons with Significant Control filings. Share ranges are banded per the public PSC regime.
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| CUMBRIA PROFILING LIMITED→ 04116449 · est 2000 · no financials extracted | — | — | — | — | 25y | — | — |
| CUMBRIA RADIATORS LIMITED→ 05580363 · est 2005 · no financials extracted | — | — | — | — | 20y | — | — |
| CUMBRIA SAW SERVICE LIMITED→ 04852624 · est 2003 · no financials extracted | — | — | — | — | 22y | — | — |
| CUMBRIAN TAYLOR'S LIMITED→ 16762625 · est 2025 · no financials extracted | — | — | — | — | — | — | — |
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
Incorporated2006-02-06
Jurisdictionengland-wales
Primary SIC08110 — SIC 08110
Registered office
3 Montal Place, Stalker Road
Gilwilly Industrial Estate
Penrith
Cumbria
CA11 9FE
England
Filing status
Accounts
Next due: 2027-04-30
Last made up to: 2025-07-31
Confirmation statement
Next due: 2027-02-20
Last: 2026-02-06
Officers (3 active · 3 resigned)
DUNN, Elizabeth Fiona→
Activesecretary · appointed 2006-02-06
View their other companies + combined net worth →
DUNN, Elizabeth Fiona→
Activedirector · ~61y · appointed 2006-02-06
View their other companies + combined net worth →
JOHNSTONE, James Mark→
Activedirector · ~52y · appointed 2010-11-01
View their other companies + combined net worth →
BHARDWAJ, Ashok→
Resignednominee-secretary · appointed 2006-02-06 · resigned 2006-02-06
HAMILTON, Alan John→
Resigneddirector · ~56y · appointed 2006-02-06 · resigned 2011-01-31
BHARDWAJ CORPORATE SERVICES LIMITED→
Resignedcorporate-nominee-director · appointed 2006-02-06 · resigned 2006-02-06
Click a director name to see their full track record across all companies.
Mortgages & charges
1
Total charges
0
Outstanding
0
Active lenders
Status:Lender:1 of 1 shown
| Type | Properties | |||||
|---|---|---|---|---|---|---|
| satisfied | Anthony Metcalfe | Debenture | 1 property | 01/02/2011 | 12/06/2018 |
Recent filings (61 total)
confirmation-statement-with-no-updates
confirmation-statement · CS01
2026-02-10
accounts-with-accounts-type-total-exemption-full
accounts · AA
2025-09-15
confirmation-statement-with-no-updates
confirmation-statement · CS01
2025-02-06
accounts-with-accounts-type-total-exemption-full
accounts · AA
2024-09-27
change-person-director-company-with-change-date
officers · CH01
2024-02-14
change-to-a-person-with-significant-control
persons-with-significant-control · PSC04
2024-02-13
change-person-secretary-company-with-change-date
officers · CH03
2024-02-12
confirmation-statement-with-no-updates
confirmation-statement · CS01
2024-02-07
accounts-with-accounts-type-total-exemption-full
accounts · AA
2023-09-13
accounts-with-accounts-type-total-exemption-full
accounts · AA
2023-04-12
confirmation-statement-with-no-updates
confirmation-statement · CS01
2023-02-06
confirmation-statement-with-no-updates
confirmation-statement · CS01
2022-02-09
accounts-with-accounts-type-total-exemption-full
accounts · AA
2021-09-24
confirmation-statement-with-no-updates
confirmation-statement · CS01
2021-02-08
accounts-with-accounts-type-total-exemption-full
accounts · AA
2020-09-14