CUMBRIA CVS TRADING LIMITED

🌳Matureactive

08703970 · ltd · incorporated 2013-09-24

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

hardening · 12-months

Already tight — no obvious softening catalysts on the horizon.

· Thesis: well-run, low negotiation leverage

🔒Estimated value

—

Upgrade to see

Turnover

—

year to Mar 2025

Net worth

—

book net assets

Opportunity

79/100

Strong

🔒Generate AI memo →🔒Outreach pack →🔒Corporate story →📑 Reports →Sign in to watch

What this business does

Primary activity: Fund management activities

Sector: Financial & insurance

Investor take

Pursue

Active trading company with a 69-year-old founder — textbook succession opportunity.

Opportunity 79/100 (strong), bankability 75/100. Strong seller-intent signal (60/100, director aged 69). 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

Lenders & charges

Confirmed no charges registered

Directors & officers

12 officers (2 active, 12 linked, 10 with DOB)

Ownership & PSC

1 active PSC(s) of 4 total, 4 with control declared

Director network

4 connected companies via shared directors

Filing history

55 filings on record

Gazette notices

No matching gazette notices (standard for active companies)

Opportunity Score

79/100Strong

PassWatchWorth a lookStrongExceptional

Solid opportunity signal. Worth a dedicated memo and management meeting.

Business quality

Active, clean filings, stable charge profile.

Acquirability

Strong succession / seller-readiness signals.

Risk profile

Few red flags.

Signal strength

Good data coverage for analysis.

Key financials

2 years extracted from filed iXBRL accounts

Cash

—

Net Worth

—

Current Assets

—

Current Liabilities

—

Hover to see exact values · click legend to toggle series

Financials

Extracted from Companies House accounts · accounting standard unknown

Metric	2025-03-31	2024-03-31
Average employees	200	200

Amounts extracted automatically from iXBRL. Fields left blank were not reported or not mapped. Values in GBP unless stated.

🔒Filing-note intelligence

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

Last 30 days

filings

• 2 officers
• 1 confirmation-statement

Last 90 days

filings

• 2 officers
• 1 confirmation-statement

Last 180 days

filings

• 2 officers
• 1 confirmation-statement

Counts from Companies House filing history.

Corporate timeline (41 events)Click to expand

2026-06-02
📄
replacement-filing-of-director-appointment-with-name
officers · RP01AP01
2026-06-01
📄
replacement-filing-of-director-appointment-with-name
officers · RP01AP01
2025-12-15
📄
accounts-with-accounts-type-micro-entity
accounts · AA
2024-12-12
📄
accounts-with-accounts-type-micro-entity
accounts · AA
2024-03-28
📍
change-sail-address-company-with-new-address
address · AD02
2024-03-27
📄
notification-of-a-person-with-significant-control
persons-with-significant-control · PSC02
2024-03-27
📄
cessation-of-a-person-with-significant-control
persons-with-significant-control · PSC07
2024-03-27
📄
appoint-person-director-company-with-name-date
officers · AP01
2024-03-27
📄
termination-director-company-with-name-termination-date
officers · TM01
2024-03-27
📄
termination-director-company-with-name-termination-date
officers · TM01
2024-03-27
📄
appoint-person-director-company-with-name-date
officers · AP01
2023-12-20
📄
accounts-with-accounts-type-micro-entity
accounts · AA
2023-03-08
➕
WATT, Charles Edward appointed
director
2022-12-20
📄
accounts-with-accounts-type-micro-entity
accounts · AA
2022-11-30
➖
RANSHAW, Colin resigned
director
2022-04-06
➖
COPE, Robin Michael resigned
director
2022-01-05
📄
accounts-with-accounts-type-micro-entity
accounts · AA
2021-04-14
📄
accounts-with-accounts-type-dormant
accounts · AA
2020-04-17
📄
notification-of-a-person-with-significant-control
persons-with-significant-control · PSC01
2020-04-01
📄
termination-director-company-with-name-termination-date
officers · TM01
2020-04-01
📄
termination-director-company-with-name-termination-date
officers · TM01
2019-12-11
➕
GREGORY, Sheila appointed
director
2019-12-11
➖
THORRINGTON, Simon Thomas resigned
director
2019-04-26
➖
CADMAN, Laura Ann resigned
secretary
2019-03-15
➖
MARTIN, Ann resigned
director
2018-05-03
➖
BROWN, Judith Alison resigned
director
2017-04-01
➕
CADMAN, Laura Ann appointed
secretary
2017-04-01
➕
COPE, Robin Michael appointed
director
2017-04-01
➕
RANSHAW, Colin appointed
director
2017-04-01
➕
THORRINGTON, Simon Thomas appointed
director
2017-03-31
➖
BOWEN, Karen Maria resigned
secretary
2017-03-31
➖
PAGE, Susan Marie resigned
director
2016-11-19
➖
RICHARDSON, David Anthony resigned
director
2015-09-12
➖
HORNE, Helen Marion resigned
director
2015-06-18
➕
PAGE, Susan Marie appointed
director
2013-10-28
➕
BROWN, Judith Alison appointed
director
2013-10-28
➕
MARTIN, Ann appointed
director
2013-09-24
🏢
Company incorporated
As CUMBRIA CVS TRADING LIMITED
2013-09-24
➕
BOWEN, Karen Maria appointed
secretary
2013-09-24
➕
HORNE, Helen Marion appointed
director
2013-09-24
➕
RICHARDSON, David Anthony appointed
director

Owner dependency

73/100

High — earn-out structure required

Material 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 69 — succession pressure is live.

Succession & seller-readiness

56/100

Strong succession signal

Multiple signals suggest succession is on the horizon. Candidate for proactive outreach.

SIGNALS

primaryFounder aged 63+: Senior director is approximately 69. Approaching typical UK retirement age — succession thinking likely.
secondaryTwo-director governance: Small-team governance. Succession depth is thin but not absent.

Red flags

clean

No red flags detected from available public data. (This is not a clean bill of health — detailed accounts review still recommended.)

Group structure

Cumbria Council For Voluntary Service is the ultimate parent — holding 75%+ shares. This company sits inside their group.

🏛️

Cumbria Council For Voluntary Service

Corporate parent · holds 75-100% shares

ultimate parent

⬇

CUMBRIA CVS TRADING LIMITED

This company · 08703970

Parent relationships inferred from Persons with Significant Control filings. Full subsidiary tree requires reverse-lookup (coming).

Shareholders & ownership

1 active beneficial owner · dominant holder ≥75%

Name	Shares	Voting rights	Nature of control	Notified
Cumbria Council For Voluntary Service Corporate entity	75–100%	75–100%	75-100% shares · 75-100% voting	18/03/2021

3 historic (ceased) PSCs

Mr David Allenceased 18/03/2021· significant influence
Miss Laura Ann Cadmanceased 26/04/2019· significant influence
Mrs Karen Maria Bowenceased 31/03/2017· significant influence

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 · CA postcode area

Company	Est. value	Turnover	Net worth	Staff	Age	Opp	Director
BROWNRIGG PROPERTIES LIMITED→ 07800966 · est 2011 · no financials extracted	—	—	—	—	14y	—	—
CALEDONIAN CONSUMER FINANCE LTD→ 07368004 · est 2010 · no financials extracted	—	—	—	—	15y	—	—
DAVID ALLEN FINANCIAL SERVICES (DALSTON) LIMITED→ 06966976 · est 2009 · no financials extracted	—	—	—	—	16y	—	—
DW 2020 LIMITED→ 12369622 · est 2019 · no financials extracted	—	—	—	—	6y	—	—
EDWARD J GRICE WEALTH MANAGEMENT LTD→ 09111923 · est 2014 · no financials extracted	—	—	—	—	11y	—	—
EPROJS LIMITED→ 16616027 · est 2025 · no financials extracted	—	—	—	—	—	—	—
FISTIC LTD→ 04168655 · est 2001 · no financials extracted	—	—	—	—	25y	—	—
FONG DAWSON MORTGAGES LTD→ 13392891 · est 2021 · no financials extracted	—	—	—	—	4y	—	—
FUTURE MONEY LIMITED→ 06546951 · est 2008 · no financials extracted	—	—	—	—	18y	—	—
GPS PENSION SCHEME TRUSTEE COMPANY LIMITED→ 06501678 · est 2008 · no financials extracted	—	—	—	—	18y	—	—
GREENHOW ASSOCIATES LTD→ 11845767 · est 2019 · no financials extracted	—	—	—	—	7y	—	—
HATHER FINANCIAL SERVICES LIMITED→ 04504089 · est 2002 · no financials extracted	—	—	—	—	23y	—	—

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

Incorporated2013-09-24

Jurisdictionengland-wales

Primary SIC66300 — Fund management activities

Registered office

Shaddongate Resource Centre

Shaddongate

Carlisle

Cumbria

CA2 5TY

England

Filing status

Accounts

Next due: 2026-12-31

Last made up to: 2025-03-31

Confirmation statement

Next due: 2027-04-01

Last: 2026-03-18

Officers (2 active · 10 resigned)

GREGORY, Sheila→

director · ~69y · appointed 2019-12-11

View their other companies + combined net worth →

Active

WATT, Charles Edward→

director · ~60y · appointed 2023-03-08

View their other companies + combined net worth →

Active

BOWEN, Karen Maria→

secretary · appointed 2013-09-24 · resigned 2017-03-31

Resigned

CADMAN, Laura Ann→

secretary · appointed 2017-04-01 · resigned 2019-04-26

Resigned

BROWN, Judith Alison→

director · ~69y · appointed 2013-10-28 · resigned 2018-05-03

Resigned

COPE, Robin Michael→

director · ~69y · appointed 2017-04-01 · resigned 2022-04-06

Resigned

HORNE, Helen Marion→

director · ~81y · appointed 2013-09-24 · resigned 2015-09-12

Resigned

MARTIN, Ann→

director · ~77y · appointed 2013-10-28 · resigned 2019-03-15

Resigned

PAGE, Susan Marie→

director · ~68y · appointed 2015-06-18 · resigned 2017-03-31

Resigned

RANSHAW, Colin→

director · ~76y · appointed 2017-04-01 · resigned 2022-11-30

Resigned

RICHARDSON, David Anthony→

director · ~83y · appointed 2013-09-24 · resigned 2016-11-19

Resigned

THORRINGTON, Simon Thomas→

director · ~69y · appointed 2017-04-01 · resigned 2019-12-11

Resigned

Click a director name to see their full track record across all companies.

Recent filings (55 total)

confirmation-statement-with-no-updates

confirmation-statement · CS01

2026-06-07

replacement-filing-of-director-appointment-with-name

officers · RP01AP01

2026-06-02

replacement-filing-of-director-appointment-with-name

officers · RP01AP01

2026-06-01

accounts-with-accounts-type-micro-entity

accounts · AA

2025-12-15

confirmation-statement-with-no-updates

confirmation-statement · CS01

2025-04-01

accounts-with-accounts-type-micro-entity

accounts · AA

2024-12-12

change-sail-address-company-with-new-address

address · AD02

2024-03-28

confirmation-statement-with-no-updates

confirmation-statement · CS01

2024-03-27

notification-of-a-person-with-significant-control

persons-with-significant-control · PSC02

2024-03-27

cessation-of-a-person-with-significant-control

persons-with-significant-control · PSC07

2024-03-27

appoint-person-director-company-with-name-date

officers · AP01

2024-03-27

termination-director-company-with-name-termination-date

officers · TM01

2024-03-27

termination-director-company-with-name-termination-date

officers · TM01

2024-03-27

appoint-person-director-company-with-name-date

officers · AP01

2024-03-27

accounts-with-accounts-type-micro-entity

accounts · AA

2023-12-20