CUMBRIA MORTGAGE CENTRE LIMITED

🏛️Establishedactive
11653572 · ltd · incorporated 2018-11-01
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
—
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Turnover
—
year to Dec 2024
Net worth
£49.6k
book net assets
Opportunity
77/100
Strong
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What this business does
Primary activity: Financial intermediation not elsewhere classified
Sector: Financial & insurance
Investor take
Pursue
Strong opportunity: asset-holding vehicle with strong profile and bankable structure.

Opportunity 77/100 (strong), 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 (73/100).

Data confidence

Overall: medium (69/100)

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
Confirmed no charges registered
85
Directors & officers
4 officers (2 active, 4 linked, 4 with DOB)
90
Ownership & PSC
No PSCs filed (unusual — worth investigating)
35
Director network
Network not yet resolved
30
Filing history
19 filings on record
85
Gazette notices
No matching gazette notices (standard for active companies)
60
Opportunity Score
77/100Strong
PassWatchWorth a lookStrongExceptional 

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

Business quality
65
Adequate — check latest filings for context.
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 · FRS 102
Positive net assets
Net assets £49,621
Net assets shrinking
Down £300 YoY
Cash YoY
-4%
Year on year

Key financials

2 years extracted from filed iXBRL accounts
Cash
£55k
↓ 3.8% YoY
Net Worth
£50k
~ YoY
Current Assets
£56k
↓ 5.0% YoY
Current Liabilities
—
£0£12k£23k£35k£47k£58kDec 2023Dec 2024

Hover to see exact values · click legend to toggle series

Financials

Extracted from Companies House accounts · FRS 102
Metric2024-12-312023-12-31
Total assets£49.6k£49.9k
Current assets£55.6k£58.5k
Cash£55.4k£57.6k
Debtors£150£892
Net assets£49.6k£49.9k

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
0
filings
Counts from Companies House filing history.
Corporate timeline (19 events)Click to expand
  1. 2025-09-17
    📄
    accounts-with-accounts-type-total-exemption-full
    accounts · AA
  2. 2024-09-23
    📄
    accounts-with-accounts-type-unaudited-abridged
    accounts · AA
  3. 2023-09-15
    📄
    accounts-with-accounts-type-unaudited-abridged
    accounts · AA
  4. 2022-04-07
    📄
    appoint-person-director-company-with-name-date
    officers · AP01
  5. 2022-04-05
    ➕
    WATT, Louise appointed
    director
  6. 2022-04-05
    ➖
    STEVENS, Michelle resigned
    director
  7. 2022-04-05
    📄
    termination-director-company-with-name-termination-date
    officers · TM01
  8. 2022-04-05
    📄
    accounts-with-accounts-type-unaudited-abridged
    accounts · AA
  9. 2021-09-03
    📄
    accounts-with-accounts-type-total-exemption-full
    accounts · AA
  10. 2020-09-24
    📄
    accounts-with-accounts-type-total-exemption-full
    accounts · AA
  11. 2019-01-11
    📄
    termination-director-company-with-name-termination-date
    officers · TM01
  12. 2019-01-11
    📄
    change-account-reference-date-company-current-extended
    accounts · AA01
  13. 2019-01-11
    📄
    appoint-person-director-company-with-name-date
    officers · AP01
  14. 2019-01-01
    ➖
    BOWEN, Timothy James resigned
    director
  15. 2019-01-01
    ➕
    STEVENS, Michelle appointed
    director
  16. 2018-11-01
    🏢
    Company incorporated
    As CUMBRIA MORTGAGE CENTRE LIMITED
  17. 2018-11-01
    ➕
    JAMES, Elspeth Louise appointed
    director
  18. 2018-11-01
    ➕
    BOWEN, Timothy James appointed
    director
  19. 2018-11-01
    📄
    incorporation-company
    incorporation · NEWINC

Owner dependency

66/100
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.
  • +Senior director age: Director aged approximately 58 — approaching natural succession window.

Succession & seller-readiness

46/100
Moderate signal

Some succession indicators present. Worth watching; approach if sector/strategy fits.

SIGNALS
  • secondaryFounder aged 58+: Senior director is approximately 58. Early succession window.
  • 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.)

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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.

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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.

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Company details

Statusactive
Typeltd
Incorporated2018-11-01
Jurisdictionengland-wales
Primary SIC64999 — Financial intermediation not elsewhere classified

Registered office

7 King Street
Penrith
CA11 7AR
United Kingdom

Filing status

Accounts
Next due: 2026-09-30
Last made up to: 2024-12-31
Confirmation statement
Next due: 2026-11-14
Last: 2025-10-31

Officers (2 active · 2 resigned)

JAMES, Elspeth Louise→
director · ~52y · appointed 2018-11-01
View their other companies + combined net worth →
Active
WATT, Louise→
director · ~58y · appointed 2022-04-05
View their other companies + combined net worth →
Active
BOWEN, Timothy James→
director · ~47y · appointed 2018-11-01 · resigned 2019-01-01
Resigned
STEVENS, Michelle→
director · ~55y · appointed 2019-01-01 · resigned 2022-04-05
Resigned

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

Recent filings (19 total)

confirmation-statement-with-no-updates
confirmation-statement · CS01
2025-12-05
accounts-with-accounts-type-total-exemption-full
accounts · AA
2025-09-17
confirmation-statement-with-no-updates
confirmation-statement · CS01
2024-11-06
accounts-with-accounts-type-unaudited-abridged
accounts · AA
2024-09-23
confirmation-statement-with-no-updates
confirmation-statement · CS01
2023-11-02
accounts-with-accounts-type-unaudited-abridged
accounts · AA
2023-09-15
confirmation-statement-with-no-updates
confirmation-statement · CS01
2022-10-31
appoint-person-director-company-with-name-date
officers · AP01
2022-04-07
termination-director-company-with-name-termination-date
officers · TM01
2022-04-05
accounts-with-accounts-type-unaudited-abridged
accounts · AA
2022-04-05
confirmation-statement-with-no-updates
confirmation-statement · CS01
2021-11-02
accounts-with-accounts-type-total-exemption-full
accounts · AA
2021-09-03
confirmation-statement-with-no-updates
confirmation-statement · CS01
2020-11-02
accounts-with-accounts-type-total-exemption-full
accounts · AA
2020-09-24
confirmation-statement-with-no-updates
confirmation-statement · CS01
2019-11-04