CHRYSALIS (CUMBRIA) LIMITED
- · Oldest live charge 16.7y old — refinance window within 12 months
- 88990Other social work activities without accommodation n.e.c.
Opportunity 83/100 (exceptional), bankability 65/100. Strong seller-intent signal (63/100, director aged 87). 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: share sale to pe / searcher (65/100).
Refinance opportunity
4 live charges · 2 lenders · oldest 16.7y
Refinance viable after a tidy-up — address the highlighted items first.
- · Oldest live charge is 16.7 years old — likely at or near maturity.
- · Two lenders — manageable, but coordination required.
- · Legal-friction score 30/100 — workable, but lender will want more DD.
Data confidence
Overall: medium (57/100)Adequate coverage. AI outputs are reliable for the sections scored high; verify the rest in diligence.
Strong composite across quality, acquirability, and risk. High-priority target — progress to serious diligence.
Recent activity
- • 1 confirmation-statement
- • 1 confirmation-statement
- • 1 accounts
Corporate timeline (68 events)Click to expand
- 2025-12-18📄accounts-with-accounts-type-fullaccounts · AA
- 2025-04-01📄change-person-director-company-with-change-dateofficers · CH01
- 2025-03-26📄change-person-director-company-with-change-dateofficers · CH01
- 2025-03-25📄change-person-director-company-with-change-dateofficers · CH01
- 2025-03-25📍change-registered-office-address-company-with-date-old-address-new-addressaddress · AD01
- 2025-03-24📄change-person-director-company-with-change-dateofficers · CH01
- 2024-11-06📄mortgage-create-with-deed-with-charge-number-charge-creation-datemortgage · MR01
- 2024-11-04🔒Charge registered #4Lender: National Westminster Bank PLC
- 2024-10-18📄accounts-with-accounts-type-fullaccounts · AA
- 2024-09-28📄memorandum-articlesincorporation · MA
- 2024-09-28📄resolutionresolution · RESOLUTIONS
- 2024-09-26📄statement-of-companys-objectschange-of-constitution · CC04
- 2024-04-24📄notification-of-a-person-with-significant-control-statementpersons-with-significant-control · PSC08
- 2024-04-11📄cessation-of-a-person-with-significant-controlpersons-with-significant-control · PSC07
- 2024-04-11📄cessation-of-a-person-with-significant-controlpersons-with-significant-control · PSC07
- 2024-04-11📄cessation-of-a-person-with-significant-controlpersons-with-significant-control · PSC07
- 2024-04-11📄cessation-of-a-person-with-significant-controlpersons-with-significant-control · PSC07
- 2024-04-11📄cessation-of-a-person-with-significant-controlpersons-with-significant-control · PSC07
- 2023-11-09📄appoint-person-director-company-with-name-dateofficers · AP01
- 2023-11-08📄notification-of-a-person-with-significant-controlpersons-with-significant-control · PSC01
- 2023-08-15📄accounts-with-accounts-type-fullaccounts · AA
- 2023-07-12➕WALKER, Stephen appointeddirector
- 2023-03-13📄termination-director-company-with-name-termination-dateofficers · TM01
- 2023-02-27➖WELLS, Ann Gilda resigneddirector
- 2022-07-14➖KEMP, Julie Anne resigneddirector
- 2020-10-14➕KEMP, Julie Anne appointeddirector
- 2020-09-30➖TEASDALE, Joan resigneddirector
- 2019-12-09➕DODD, David Alan appointeddirector
- 2019-07-10➖WHITTAM, Judith Lesley resigneddirector
- 2018-10-05➕DRURY, Margaret Alice appointedsecretary
- 2018-10-05➖WELLS, Ann Gilda resignedsecretary
- 2018-10-05➕WELLS, Ann Gilda appointeddirector
- 2018-03-23➖DUNSTAN, Catherynn Elizabeth resigneddirector
- 2017-07-14➕DRURY, Margaret Alice appointeddirector
- 2016-10-06➕EARL, Barbara Helen appointeddirector
- 2016-05-21➖EDWARDS, Clare resigneddirector
- 2016-04-12➖CONNOLLY, Catherine resigneddirector
- 2016-03-31➖GREGGAINS, Peter Norman resigneddirector
- 2016-01-02➖BROWNRIGG, Lynne Carole resigneddirector
- 2015-11-11➕BROWNRIGG, Lynne Carole appointeddirector
- 2015-11-11➕WHITTAM, Judith Lesley appointeddirector
- 2014-05-28➕CONNOLLY, Catherine appointeddirector
- 2014-05-28➕DUNSTAN, Catherynn Elizabeth appointeddirector
- 2014-05-28➕EDWARDS, Clare appointeddirector
- 2014-05-28➕TEASDALE, Joan appointeddirector
- 2013-12-12➖PEARSON, Ian George resigneddirector
- 2013-01-24➕PEARSON, Ian George appointeddirector
- 2012-04-30➖STEEL, Nigel resigneddirector
- 2011-12-19➖EDWARDS, Clare resigneddirector
- 2011-06-10🔒Charge registered #3Lender: National Westminster Bank PLC
Owner dependency
Material founder dependency. Consider a 2-3 year earn-out and build in a handover plan before completion.
- -5 active directors: Broader management team in place — suggests transferable governance.
- +Long-tenure founder: Senior director has been in place 16 years — deep operational knowledge concentrated in one person.
- +Founder age: Director aged approximately 87 — 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 87 years old. Natural succession window is now.
- secondary12+ year tenure: Director in role 16 years.
- supportingClean filings + long tenure: Disciplined long-tenure operator — classic lifestyle-business pattern that often sells quietly.
Red flags
cleanRadial SVG graph showing every company connected via shared directors, colour-coded by status.
Available from the Pro tier upwards.
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8 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 (6 active · 18 resigned)
Click a director name to see their full track record across all companies.
Mortgages & charges
| Type | Properties | |||||
|---|---|---|---|---|---|---|
| outstanding | National Westminster Bank National Westminster Bank PLC | A registered charge | 1 property | 04/11/2024 | — | |
| outstanding | National Westminster Bank National Westminster Bank PLC | Legal charge | 1 property | 10/06/2011 | — | |
| outstanding | George Kenneth Hope, Mary Jane Hope | Charge of rent deposit | 1 property | 14/07/2010 | — | |
| outstanding | National Westminster Bank National Westminster Bank PLC | Legal charge | 1 property | 30/09/2009 | — |