ANDREW CUMMING WEALTH MANAGEMENT LIMITED
🌳Matureactive
09317342 · ltd · incorporated 2014-11-18
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
approaching window · 12-months
Approaching a transaction window — refinance or sale event plausible in the next 12 months.
- · Oldest live charge 11.0y old — refinance window within 12 months
🔒Estimated value
—
Upgrade to see
Turnover
—
year to Dec 2025
Net worth
—
book net assets
Opportunity
79/100
Strong
What this business does
Primary activity: Other activities auxiliary to financial services, except insurance and pension funding
Sector: Financial & insurance
Investor take
PursueActive trading company. Family succession underway — not a classic acquisition target.
Opportunity 79/100 (strong), bankability 85/100. Same-surname younger director in place — likely family handover, not open to sale. Share purchase looks the cleaner deal structure. Most likely exit: strategic trade sale (73/100).
🏦
Refinance opportunity
1 live charge · oldest 11.0y
85/100
ready
Refinance conversation should be productive — structure clean and timing right.
- · Oldest live charge is 11.0 years old — likely at or near maturity.
- · Single lender — cleanest path to refinance.
- · Legal-friction score 15/100 — clean.
Data confidence
Overall: medium (77/100)Adequate coverage. AI outputs are reliable for the sections scored high; verify the rest in diligence.
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
1 charges (1/1 with lender, 1/1 with type)
90
Directors & officers
3 officers (3 active, 3 linked, 2 with DOB)
83
Ownership & PSC
1 active PSC(s) of 1 total, 1 with control declared
90
Director network
Network not yet resolved
30
Filing history
32 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
70
Strong succession / seller-readiness signals.
Risk profile
85
Few red flags.
Signal strength
100
Good data coverage for analysis.
Key financials
2 years extracted from filed iXBRL accountsCash
—
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 | 2025-12-31 | 2024-12-31 |
|---|---|---|
| Average employees | 400 | 400 |
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
0
filings
Last 180 days
3
filings
- • 1 accounts
- • 1 resolution
- • 1 capital
Counts from Companies House filing history.
Corporate timeline (21 events)Click to expand
- 2026-04-09📄accounts-with-accounts-type-micro-entityaccounts · AA
- 2026-01-15📄resolutionresolution · RESOLUTIONS
- 2026-01-15📄capital-name-of-class-of-sharescapital · SH08
- 2026-01-12📄appoint-person-secretary-company-with-name-dateofficers · AP03
- 2025-12-23📄appoint-person-director-company-with-name-dateofficers · AP01
- 2025-12-01➕CUMMING, Nicole appointedsecretary
- 2025-12-01➕CUMMING, Ryan Andrew appointeddirector
- 2025-07-10📄mortgage-satisfy-charge-fullmortgage · MR04
- 2025-07-10🔓Charge satisfied #1
- 2025-06-30📄accounts-with-accounts-type-micro-entityaccounts · AA
- 2024-05-31📄accounts-with-accounts-type-micro-entityaccounts · AA
- 2023-04-17📄accounts-with-accounts-type-micro-entityaccounts · AA
- 2022-05-23📄accounts-with-accounts-type-micro-entityaccounts · AA
- 2021-04-20📄accounts-with-accounts-type-micro-entityaccounts · AA
- 2020-09-11📄accounts-with-accounts-type-micro-entityaccounts · AA
- 2019-06-17📄accounts-with-accounts-type-total-exemption-fullaccounts · AA
- 2018-09-21📄accounts-with-accounts-type-total-exemption-fullaccounts · AA
- 2017-09-13📄accounts-with-accounts-type-total-exemption-fullaccounts · AA
- 2015-07-01🔒Charge registered #1Lender: Metro Bank PLC
- 2014-11-18🏢Company incorporatedAs ANDREW CUMMING WEALTH MANAGEMENT LIMITED
- 2014-11-18➕CUMMING, Andrew appointeddirector
Owner dependency
89/100
Critical — business is the founderThe business appears inseparable from the founder. Acquisition without a serious earn-out or meaningful transition period would likely destroy value.
FACTORS
- +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 "CUMMING" — strong identity link between founder and business.
- +Senior director age: Director aged approximately 59 — approaching natural succession window.
- +Family involvement: Multiple officers share a surname — likely family business, which concentrates governance.
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 · dominant holder ≥75%| Name | Shares | Voting rights | Nature of control | Notified |
|---|---|---|---|---|
Mr Andrew Cumming Individual · British · DOB 02/1967 · age 59 | 75–100% | 75–100% | 75-100% shares · 75-100% voting | 06/04/2016 |
From Companies House Persons with Significant Control filings. Share ranges are banded per the public PSC regime.
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Peers ranked by estimated value, then turnover, then opportunity score.See all →
🔒Tailored diligence questions
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 →🔒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
Incorporated2014-11-18
Jurisdictionengland-wales
Primary SIC66190 — Other activities auxiliary to financial services, except insurance and pension funding
Registered office
Matrix Business Centre
167 Station Road
Edgware
Middlesex
HA8 7JU
Filing status
Accounts
Next due: 2027-09-30
Last made up to: 2025-12-31
Confirmation statement
Next due: 2026-12-15
Last: 2025-12-01
Officers (3 active · 0 resigned)
Active
CUMMING, Andrew→
Activedirector · ~59y · appointed 2014-11-18
View their other companies + combined net worth →
CUMMING, Ryan Andrew→
Activedirector · ~28y · appointed 2025-12-01
View their other companies + combined net worth →
Click a director name to see their full track record across all companies.
Mortgages & charges
1
Total charges
0
Outstanding
0
Active lenders
Status:Lender:1 of 1 shown
| Type | Properties | |||||
|---|---|---|---|---|---|---|
| satisfied | Metro Bank Metro Bank PLC | A registered charge | 1 property | 01/07/2015 | 10/07/2025 |
Recent filings (32 total)
accounts-with-accounts-type-micro-entity
accounts · AA
2026-04-09
resolution
resolution · RESOLUTIONS
2026-01-15
capital-name-of-class-of-shares
capital · SH08
2026-01-15
confirmation-statement-with-updates
confirmation-statement · CS01
2026-01-14
appoint-person-secretary-company-with-name-date
officers · AP03
2026-01-12
confirmation-statement-with-no-updates
confirmation-statement · CS01
2026-01-10
appoint-person-director-company-with-name-date
officers · AP01
2025-12-23
mortgage-satisfy-charge-full
mortgage · MR04
2025-07-10
accounts-with-accounts-type-micro-entity
accounts · AA
2025-06-30
confirmation-statement-with-no-updates
confirmation-statement · CS01
2024-12-03
accounts-with-accounts-type-micro-entity
accounts · AA
2024-05-31
confirmation-statement-with-no-updates
confirmation-statement · CS01
2023-12-23
accounts-with-accounts-type-micro-entity
accounts · AA
2023-04-17
confirmation-statement-with-no-updates
confirmation-statement · CS01
2022-11-21
accounts-with-accounts-type-micro-entity
accounts · AA
2022-05-23