ABBEY HOUSE (CUMBRIA) LIMITED
- · Oldest live charge 14.4y old — refinance window within 12 months
Opportunity 80/100 (exceptional), bankability 75/100. High owner-dependency — earn-out structure likely required for clean transition. Share purchase looks the cleaner deal structure. Most likely exit: share sale to pe / searcher (65/100).
Refinance opportunity
4 live charges · 2 lenders · oldest 14.4y
Refinance conversation should be productive — structure clean and timing right.
- · Oldest live charge is 14.4 years old — likely at or near maturity.
- · Two lenders — manageable, but coordination required.
- · Legal-friction score 15/100 — clean.
Data confidence
Overall: medium (61/100)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 accounts
- • 1 accounts
Corporate timeline (30 events)Click to expand
- 2026-04-04📄accounts-with-accounts-type-fullaccounts · AA
- 2025-02-27📄accounts-with-accounts-type-fullaccounts · AA
- 2024-03-07📄accounts-with-accounts-type-fullaccounts · AA
- 2023-03-07📄accounts-with-accounts-type-fullaccounts · AA
- 2022-02-24📄accounts-with-accounts-type-fullaccounts · AA
- 2021-05-05📄notification-of-a-person-with-significant-controlpersons-with-significant-control · PSC02
- 2021-03-31📄accounts-with-accounts-type-fullaccounts · AA
- 2020-07-23📄notification-of-a-person-with-significant-controlpersons-with-significant-control · PSC01
- 2020-07-23📄cessation-of-a-person-with-significant-controlpersons-with-significant-control · PSC07
- 2020-03-18📄change-person-director-company-with-change-dateofficers · CH01
- 2020-03-02📄accounts-with-accounts-type-fullaccounts · AA
- 2019-04-18📄accounts-with-accounts-type-fullaccounts · AA
- 2018-05-08📄change-person-director-company-with-change-dateofficers · CH01
- 2018-03-16📄accounts-with-accounts-type-fullaccounts · AA
- 2018-01-29📄notification-of-a-person-with-significant-controlpersons-with-significant-control · PSC01
- 2018-01-29📄cessation-of-a-person-with-significant-controlpersons-with-significant-control · PSC07
- 2016-12-07➖KILROE, Annie Mary resigneddirector
- 2014-04-02🔓Charge satisfied #2
- 2014-04-02🔓Charge satisfied #1
- 2014-03-31🔒Charge registered #4Lender: National Westminster Bank PLC
- 2014-02-26🔒Charge registered #3Lender: National Westminster Bank PLC
- 2012-12-06➕HOPKINS-COMAN, Neil appointeddirector
- 2012-11-27➖KILROE, Barry Andrew resigneddirector
- 2011-12-16🔒Charge registered #2Lender: The Co-Operative Bank PLC
- 2011-12-16🔒Charge registered #1Lender: The Co-Operative Bank PLC
- 2010-08-25🏢Company incorporatedAs ABBEY HOUSE (CUMBRIA) LIMITED
- 2010-08-25➕CONROY, Brian Gerard appointeddirector
- 2010-08-25➕KILROE, Timothy Anthony appointeddirector
- 2010-08-25➕KILROE, Annie Mary appointeddirector
- 2010-08-25➕KILROE, Barry Andrew appointeddirector
Owner dependency
Material founder dependency. Consider a 2-3 year earn-out and build in a handover plan before completion.
- +Long-tenure founder: Senior director has been in place 16 years — deep operational knowledge concentrated in one person.
- +Senior director age: Director aged approximately 64 — approaching natural succession window.
Succession & seller-readiness
Multiple signals suggest succession is on the horizon. Candidate for proactive outreach.
- primaryFounder aged 63+: Senior director is approximately 64. Approaching typical UK retirement age — succession thinking likely.
- secondary12+ year tenure: Director in role 16 years.
- secondaryStable-but-static management: Company is 16 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 med ·Multiple instances where a charge was satisfied and a new charge created within 6 months. Suggests active refinancing cycle.
Group structure
Catford & Longford Ltd is the ultimate parent — holding 75%+ shares. This company sits inside their group.
Parent relationships inferred from Persons with Significant Control filings. Full subsidiary tree requires reverse-lookup (coming).
Shareholders & ownership
2 active beneficial owners · dominant holder ≥75%| Name | Shares | Voting rights | Nature of control | Notified |
|---|---|---|---|---|
Catford & Longford Ltd Corporate entity | 75–100% | — | 75-100% shares | 05/05/2021 |
Mr Simon Charles Bourge Individual · British · DOB 01/1961 · age 65 | — | — | sig. influencesignificant influence · trust interest | 29/01/2018 |
2 historic (ceased) PSCs
- Mr Timothy Anthony Kilroeceased 29/01/2018· significant influence
- Catford & Longford Ltdceased 29/01/2018· 75-100% shares
From Companies House Persons with Significant Control filings. Share ranges are banded per the public PSC regime.
Radial SVG graph showing every company connected via shared directors, colour-coded by status.
Available from the Pro tier upwards.
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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 →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 (3 active · 2 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 | 31/03/2014 | — | |
| outstanding | National Westminster Bank National Westminster Bank PLC | A registered charge | 1 property | 26/02/2014 | — | |
| satisfied | Co-operative Bank The Co-Operative Bank PLC | Legal charge | 2 properties | 16/12/2011 | 02/04/2014 | |
| satisfied | Co-operative Bank The Co-Operative Bank PLC | Debenture | 1 property | 16/12/2011 | 02/04/2014 |