DOBIES CUMBRIA FINANCE LIMITED
- · Oldest live charge 10.9y old — refinance window within 12 months
Opportunity 74/100 (strong), bankability 80/100. Strong seller-intent signal (68/100, director aged 80). Share purchase looks the cleaner deal structure. Biggest value-creation lever: Resolve: 1 insolvency-related filing on record. Filings relating to insolvency, liquidation, or administration exist in the company's history. Review before proceeding. Most likely exit: share sale to pe / searcher (73/100).
Refinance opportunity
1 live charge · oldest 10.9y
Refinance conversation should be productive — structure clean and timing right.
- · Oldest live charge is 10.9 years old — likely at or near maturity.
- · Single lender — cleanest path to refinance.
- · Legal-friction score 15/100 — clean.
Data confidence
Overall: high (82/100)Strong data coverage across all sections. AI outputs should be trusted with minimal caveats.
Solid opportunity signal. Worth a dedicated memo and management meeting.
Key financials
2 years extracted from filed iXBRL accountsHover to see exact values · click legend to toggle series
Financials
Extracted from Companies House accounts · FRS 102| Metric | 2024-10-31 | 2023-10-31 |
|---|---|---|
| Average employees | 100 | 100 |
Amounts extracted automatically from iXBRL. Fields left blank were not reported or not mapped. Values in GBP unless stated.
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
- • 1 persons-with-significant-control
- • 1 confirmation-statement
- • 1 persons-with-significant-control
- • 1 confirmation-statement
Corporate timeline (25 events)Click to expand
- 2026-03-30📄change-to-a-person-with-significant-controlpersons-with-significant-control · PSC04
- 2025-03-19📄change-person-director-company-with-change-dateofficers · CH01
- 2025-02-28📄accounts-with-accounts-type-total-exemption-fullaccounts · AA
- 2024-07-24📄accounts-with-accounts-type-total-exemption-fullaccounts · AA
- 2024-06-04📄capital-statement-capital-company-with-date-currency-figurecapital · SH19
- 2024-06-04⚠️legacyinsolvency · CAP-SS
- 2024-06-04📄resolutionresolution · RESOLUTIONS
- 2023-12-10📄capital-alter-shares-redemption-statement-of-capitalcapital · SH02
- 2023-11-27📄capital-alter-shares-redemption-statement-of-capitalcapital · SH02
- 2023-11-22📄change-to-a-person-with-significant-controlpersons-with-significant-control · PSC04
- 2023-11-20📄memorandum-articlesincorporation · MA
- 2023-11-17📄resolutionresolution · RESOLUTIONS
- 2023-11-16📄change-to-a-person-with-significant-control-without-name-datepersons-with-significant-control · PSC04
- 2023-11-16📄capital-allotment-sharescapital · SH01
- 2023-11-01📄termination-director-company-with-name-termination-dateofficers · TM01
- 2023-09-06➖NEWTON, Sarah resigneddirector
- 2023-05-25📄accounts-with-accounts-type-total-exemption-fullaccounts · AA
- 2022-07-29📄accounts-with-accounts-type-total-exemption-fullaccounts · AA
- 2021-07-29📄accounts-with-accounts-type-total-exemption-fullaccounts · AA
- 2020-07-03📄accounts-with-accounts-type-total-exemption-fullaccounts · AA
- 2015-07-29🔒Charge registered #1Lender: Hsbc Bank PLC
- 2013-03-11🏢Company incorporatedAs DOBIES CUMBRIA FINANCE LIMITED
- 2013-03-11➕DOBIE, Emma appointeddirector
- 2013-03-11➕DOBIE, William appointeddirector
- 2013-03-11➕NEWTON, Sarah appointeddirector
Owner dependency
The business appears inseparable from the founder. Acquisition without a serious earn-out or meaningful transition period would likely destroy value.
- +Two-director setup: Only two active directors — typical of owner-managed SMEs but limits succession.
- +Founder name in company name: Company name contains director surname "DOBIE" — strong identity link between founder and business.
- +Founder age: Director aged approximately 80 — succession pressure is live.
- +Family involvement: Multiple officers share a surname — likely family business, which concentrates governance.
Succession & seller-readiness
Strong acquirability signals converging. Worth approaching directly — this is how off-market deals start.
- primaryFounder aged 70+: Senior director is approximately 80 years old. Natural succession window is now.
- secondaryTwo-director governance: Small-team governance. Succession depth is thin but not absent.
- secondary12+ year tenure: Director in role 13 years.
- supportingClean filings + long tenure: Disciplined long-tenure operator — classic lifestyle-business pattern that often sells quietly.
Red flags
1 high ·Filings relating to insolvency, liquidation, or administration exist in the company's history. Review before proceeding.
Evidence: 2024-06-04: legacy
Shareholders & ownership
1 active beneficial owner · dominant holder ≥75%| Name | Shares | Voting rights | Nature of control | Notified |
|---|---|---|---|---|
Mr William Dobie Individual · British · DOB 03/1946 · age 80 | 50–75% | 75–100% | board control75-100% shares · 75-100% voting · board control | 06/04/2016 |
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.
See pricing →Similar companies
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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 (2 active · 1 resigned)
Click a director name to see their full track record across all companies.
Mortgages & charges
| Type | Properties | |||||
|---|---|---|---|---|---|---|
| outstanding | HSBC Hsbc Bank PLC | A registered charge | 1 property | 29/07/2015 | — |