CUMULUS INVESTMENT SOLUTIONS LIMITED
🌳Matureactive
07994481 · ltd · incorporated 2012-03-16
Investment thesis
Established operating company — standard diligence applies, no dominant angle.
Why interesting: Live, filing, normal profile.
Why risky: No standout signals in either direction.
🔒Estimated value
—
Upgrade to see
Turnover
—
year to Dec 2024
Net worth
£882.5k
book net assets
Opportunity
79/100
Strong
What this business does
Primary activity: Activities of investment trusts
Sector: Financial & insurance
Investor take
PursueAsset-holding vehicle with a 66-year-old founder — textbook succession opportunity.
Opportunity 79/100 (strong), bankability 75/100. Strong seller-intent signal (68/100, director aged 66). Share purchase looks the cleaner deal structure. Most likely exit: share sale to pe / searcher (73/100).
Data confidence
Overall: high (80/100)Strong data coverage across all sections. AI outputs should be trusted with minimal caveats.
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
Confirmed no charges registered
85
Directors & officers
4 officers (2 active, 4 linked, 4 with DOB)
90
Ownership & PSC
1 active PSC(s) of 6 total, 6 with control declared
90
Director network
2 connected companies via shared directors
51
Filing history
64 filings on record
85
Gazette notices
No matching gazette notices (standard for active companies)
60
Opportunity Score
79/100Strong
PassWatchWorth a lookStrongExceptional
Solid opportunity signal. Worth a dedicated memo and management meeting.
Business quality
70
Active, clean filings, stable charge profile.
Acquirability
75
Strong succession / seller-readiness signals.
Risk profile
85
Few red flags.
Signal strength
90
Good data coverage for analysis.
Signals from accounts
Derived from iXBRL accounts · accounting standard not declaredPositive net assets
Net assets £882,537
Key financials
2 years extracted from filed iXBRL accountsCash
—
Net Worth
£883k
↑ 6.7% YoY
Current Assets
£7k
↓ 22% YoY
Current Liabilities
—
Hover to see exact values · click legend to toggle series
Financials
Extracted from Companies House accounts · accounting standard unknown| Metric | 2024-12-31 | 2023-12-31 |
|---|---|---|
| Total assets | £31.7k | £5.2k |
| Current assets | £7.5k | £9.6k |
| Net assets | £882.5k | £827.0k |
Amounts extracted automatically from iXBRL. Fields left blank were not reported or not mapped. Values in GBP unless stated.
Recent activity
Last 30 days
0
filings
Last 90 days
1
filing
- • 1 persons-with-significant-control
Last 180 days
2
filings
- • 1 persons-with-significant-control
- • 1 confirmation-statement
Counts from Companies House filing history.
Corporate timeline (25 events)Click to expand
- 2026-06-03📄cessation-of-a-person-with-significant-controlpersons-with-significant-control · PSC07
- 2025-09-18📄accounts-with-accounts-type-micro-entityaccounts · AA
- 2025-03-05📄notification-of-a-person-with-significant-controlpersons-with-significant-control · PSC01
- 2025-02-07📄change-to-a-person-with-significant-controlpersons-with-significant-control · PSC04
- 2024-09-08📄accounts-with-accounts-type-micro-entityaccounts · AA
- 2023-09-07📄accounts-with-accounts-type-micro-entityaccounts · AA
- 2023-03-14📄change-to-a-person-with-significant-controlpersons-with-significant-control · PSC04
- 2023-03-13📄cessation-of-a-person-with-significant-controlpersons-with-significant-control · PSC07
- 2023-03-13📄cessation-of-a-person-with-significant-controlpersons-with-significant-control · PSC07
- 2023-03-13📄change-to-a-person-with-significant-controlpersons-with-significant-control · PSC04
- 2022-10-17📄notification-of-a-person-with-significant-controlpersons-with-significant-control · PSC01
- 2022-09-27📄notification-of-a-person-with-significant-controlpersons-with-significant-control · PSC01
- 2022-09-27📄notification-of-a-person-with-significant-controlpersons-with-significant-control · PSC01
- 2022-09-05📄accounts-with-accounts-type-micro-entityaccounts · AA
- 2022-09-05📄cessation-of-a-person-with-significant-controlpersons-with-significant-control · PSC07
- 2021-09-11📄accounts-with-accounts-type-micro-entityaccounts · AA
- 2020-10-24📄accounts-with-accounts-type-micro-entityaccounts · AA
- 2019-09-16📄accounts-with-accounts-type-micro-entityaccounts · AA
- 2015-12-03➖FROUD, Roy resigneddirector
- 2014-09-15➕FROUD, Roy appointeddirector
- 2014-05-15➖SEWELL, Adam Thom resigneddirector
- 2014-01-02➕O'NEILL, Raymond Anthony appointeddirector
- 2013-06-19➕SEWELL, Adam Thom appointeddirector
- 2012-03-16🏢Company incorporatedAs CUMULUS INVESTMENT SOLUTIONS LIMITED
- 2012-03-16➕KING, Steven Andrew appointeddirector
Owner dependency
73/100
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.
- +Founder age: Director aged approximately 66 — succession pressure is live.
Succession & seller-readiness
69/100
Strong succession signalMultiple signals suggest succession is on the horizon. Candidate for proactive outreach.
SIGNALS
- primaryFounder aged 63+: Senior director is approximately 66. Approaching typical UK retirement age — succession thinking likely.
- secondaryTwo-director governance: Small-team governance. Succession depth is thin but not absent.
- secondary12+ year tenure: Director in role 14 years.
- 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| Name | Shares | Voting rights | Nature of control | Notified |
|---|---|---|---|---|
Mr Steven Andrew King Individual · British · DOB 11/1960 · age 66 | 50–75% | 50–75% | 50-75% shares · 50-75% voting | 01/09/2022 |
5 historic (ceased) PSCs
- Mr Alnoor Ramjiceased 25/11/2025· 25-50% shares · 25-50% voting
- Mr Steven Kingceased 12/03/2023· 50-75% shares
- Mr Alnoor Ramjiceased 12/03/2023· 25-50% shares
- Cumulus Investment Holdings Ltdceased 31/07/2022· 75-100% shares · 75-100% voting · board control
- Mr Steven Andrew Kingceased 09/05/2017· 50-75% shares · 50-75% voting · board control
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.
See pricing →Similar companies
Active · Financial services · CM postcode area| Company | Est. value | Turnover | Net worth | Staff | Age | Opp | Director |
|---|---|---|---|---|---|---|---|
| BURBO LTD→ 16009038 · est 2024 · no financials extracted | — | — | — | — | 1y | — | — |
| CHESTERFIELD FINANCE LIMITED→ 14444288 · est 2022 · no financials extracted | — | — | — | — | 3y | — | — |
| CMMB LTD→ 07936299 · est 2012 · no financials extracted | — | — | — | — | 14y | — | — |
| COTTER MORTGAGES LTD→ 14509420 · est 2022 · no financials extracted | — | — | — | — | 3y | — | — |
| COVERMY LTD→ 07757031 · est 2011 · no financials extracted | — | — | — | — | 14y | — | — |
| CRABTREE CORNER COMPLIANCE LIMITED→ 10228618 · est 2016 · no financials extracted | — | — | — | — | 9y | — | — |
| CRISP CONSULTANTS LIMITED→ 08373911 · est 2013 · no financials extracted | — | — | — | — | 13y | — | — |
| CROISSANT CAPITAL LTD→ 11503405 · est 2018 · no financials extracted | — | — | — | — | 7y | — | — |
| CULLEN INVESTMENTS LTD→ 14112269 · est 2022 · no financials extracted | — | — | — | — | 3y | — | — |
| CULLUM LIMITED→ 01833327 · est 1984 · no financials extracted | — | — | — | — | 41y | — | — |
| CURO UNDERWRITING SERVICES LTD→ 09928519 · est 2015 · no financials extracted | — | — | — | — | 10y | — | — |
| CV FINANCE LIMITED→ 04177230 · est 2001 · no financials extracted | — | — | — | — | 25y | — | — |
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
Incorporated2012-03-16
Jurisdictionengland-wales
Primary SIC64301 — Activities of investment trusts
Registered office
46-54 High Street
Ingatestone
Essex
CM4 9DW
Filing status
Accounts
Next due: 2026-09-30
Last made up to: 2024-12-31
Confirmation statement
Next due: 2027-03-30
Last: 2026-03-16
Officers (2 active · 2 resigned)
KING, Steven Andrew→
Activedirector · ~66y · appointed 2012-03-16
View their other companies + combined net worth →
O'NEILL, Raymond Anthony→
Activedirector · ~64y · appointed 2014-01-02
View their other companies + combined net worth →
FROUD, Roy→
Resigneddirector · ~76y · appointed 2014-09-15 · resigned 2015-12-03
SEWELL, Adam Thom→
Resigneddirector · ~56y · appointed 2013-06-19 · resigned 2014-05-15
Click a director name to see their full track record across all companies.
Recent filings (64 total)
cessation-of-a-person-with-significant-control
persons-with-significant-control · PSC07
2026-06-03
confirmation-statement-with-updates
confirmation-statement · CS01
2026-04-01
accounts-with-accounts-type-micro-entity
accounts · AA
2025-09-18
confirmation-statement-with-no-updates
confirmation-statement · CS01
2025-03-17
notification-of-a-person-with-significant-control
persons-with-significant-control · PSC01
2025-03-05
change-to-a-person-with-significant-control
persons-with-significant-control · PSC04
2025-02-07
accounts-with-accounts-type-micro-entity
accounts · AA
2024-09-08
confirmation-statement-with-no-updates
confirmation-statement · CS01
2024-03-17
accounts-with-accounts-type-micro-entity
accounts · AA
2023-09-07
confirmation-statement-with-no-updates
confirmation-statement · CS01
2023-03-19
change-to-a-person-with-significant-control
persons-with-significant-control · PSC04
2023-03-14
cessation-of-a-person-with-significant-control
persons-with-significant-control · PSC07
2023-03-13
cessation-of-a-person-with-significant-control
persons-with-significant-control · PSC07
2023-03-13
change-to-a-person-with-significant-control
persons-with-significant-control · PSC04
2023-03-13
notification-of-a-person-with-significant-control
persons-with-significant-control · PSC01
2022-10-17