CHILDCARE (CUMBRIA) LIMITED
🏛️Establishedactive
12421595 · ltd · incorporated 2020-01-23
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 Jan 2026
Net worth
£68.0k
book net assets
Opportunity
74/100
Strong
What this business does
Primary activity: Child day-care activities
Sector: Human health & social work
Investor take
PursueStrong opportunity: active trading company with strong profile and bankable structure.
Opportunity 74/100 (strong), bankability 80/100. High owner-dependency — earn-out structure likely required for clean transition. Share purchase looks the cleaner deal structure. Most likely exit: strategic trade sale (65/100).
🏦
Refinance opportunity
1 live charge · oldest 0.3y
50/100
clean up first
Refinance viable after a tidy-up — address the highlighted items first.
- · Newest facility, 0.3 years old — likely still in initial term.
- · 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 (2 active, 3 linked, 2 with DOB)
83
Ownership & PSC
2 active PSC(s) of 2 total, 2 with control declared
90
Director network
Network not yet resolved
30
Filing history
35 filings on record
85
Gazette notices
No matching gazette notices (standard for active companies)
60
Opportunity Score
74/100Strong
PassWatchWorth a lookStrongExceptional
Solid opportunity signal. Worth a dedicated memo and management meeting.
Business quality
65
Adequate — check latest filings for context.
Acquirability
55
Some acquirability indicators.
Risk profile
85
Few red flags.
Signal strength
100
Good data coverage for analysis.
Signals from accounts
Derived from iXBRL accounts · accounting standard not declaredPositive net assets
Net assets £68,043
Key financials
2 years extracted from filed iXBRL accountsCash
—
Net Worth
£68k
↑ 173% YoY
Current Assets
£239k
↑ 151% YoY
Current Liabilities
—
Hover to see exact values · click legend to toggle series
Financials
Extracted from Companies House accounts · accounting standard unknown| Metric | 2026-01-31 | 2025-01-31 |
|---|---|---|
| Total assets | £207.6k | £79.1k |
| Current assets | £238.8k | £95.1k |
| Net assets | £68.0k | £24.9k |
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
0
filings
Last 90 days
1
filing
- • 1 accounts
Last 180 days
2
filings
- • 1 accounts
- • 1 mortgage
Counts from Companies House filing history.
Corporate timeline (26 events)Click to expand
- 2026-05-27📄accounts-with-accounts-type-micro-entityaccounts · AA
- 2026-03-19📄mortgage-create-with-deed-with-charge-number-charge-creation-datemortgage · MR01
- 2026-03-18🔒Charge registered #1Lender: National Westminster Bank PLC
- 2025-10-30📄replacement-filing-of-confirmation-statement-with-made-up-dateconfirmation-statement · RP01CS01
- 2025-10-29📄change-person-director-company-with-change-dateofficers · CH01
- 2025-10-29📄change-to-a-person-with-significant-controlpersons-with-significant-control · PSC04
- 2025-07-22📄accounts-with-accounts-type-micro-entityaccounts · AA
- 2024-08-07📄accounts-with-accounts-type-micro-entityaccounts · AA
- 2023-09-29📄accounts-with-accounts-type-micro-entityaccounts · AA
- 2023-08-03📄change-to-a-person-with-significant-controlpersons-with-significant-control · PSC04
- 2023-08-03📄change-to-a-person-with-significant-controlpersons-with-significant-control · PSC04
- 2023-08-03📄change-person-director-company-with-change-dateofficers · CH01
- 2023-08-03📄change-person-director-company-with-change-dateofficers · CH01
- 2023-01-08📄capital-name-of-class-of-sharescapital · SH08
- 2023-01-08📄capital-variation-of-rights-attached-to-sharescapital · SH10
- 2022-10-28📄accounts-with-accounts-type-micro-entityaccounts · AA
- 2021-10-22📄change-to-a-person-with-significant-controlpersons-with-significant-control · PSC04
- 2021-10-22📄change-to-a-person-with-significant-controlpersons-with-significant-control · PSC04
- 2021-10-22📄change-person-director-company-with-change-dateofficers · CH01
- 2021-10-22📄change-person-director-company-with-change-dateofficers · CH01
- 2021-07-13📄accounts-with-accounts-type-micro-entityaccounts · AA
- 2020-06-04➖SANDERSON, Lorraine resignedsecretary
- 2020-04-27➕GRAY, Samantha appointeddirector
- 2020-03-17➕SANDERSON, Lorraine appointedsecretary
- 2020-01-23🏢Company incorporatedAs CHILDCARE (CUMBRIA) LIMITED
- 2020-01-23➕GRAY, Andrew Kevin appointeddirector
Owner dependency
66/100
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.
- +Family involvement: Multiple officers share a surname — likely family business, which concentrates governance.
Succession & seller-readiness
36/100
Weak signalLimited succession signal. Not a near-term off-market candidate.
SIGNALS
- secondaryTwo-director governance: Small-team governance. Succession depth is thin but not absent.
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
2 active beneficial owners| Name | Shares | Voting rights | Nature of control | Notified |
|---|---|---|---|---|
Mrs Samantha Gray Individual · British · DOB 05/1976 · age 50 | 25–50% | 25–50% | 25-50% shares · 25-50% voting | 13/05/2020 |
Mr Andrew Kevin Gray Individual · British · DOB 12/1988 · age 38 | 25–50% | 25–50% | 25-50% shares · 25-50% voting | 23/01/2020 |
From Companies House Persons with Significant Control filings. Share ranges are banded per the public PSC regime.
Similar companies
Active · Healthcare & medical · CA postcode area| Company | Est. value | Turnover | Net worth | Staff | Age | Opp | Director |
|---|---|---|---|---|---|---|---|
| ACTIVELIFE MEDIC-CARE UK LTD→ 14071631 · est 2022 · no financials extracted | — | — | — | — | 3y | — | — |
| BROADWAY CARE SOLUTIONS LTD→ 14977519 · est 2023 · no financials extracted | — | — | — | — | 2y | — | — |
| COCKERMOUTH CHIROPODY / PODIATRY LIMITED→ 11001365 · est 2017 · no financials extracted | — | — | — | — | 8y | — | — |
| COMBE DOMICILIARY CARE LIMITED→ 11554681 · est 2018 · no financials extracted | — | — | — | — | 7y | — | — |
| COSMETIC RADIANCE LTD→ 11566592 · est 2018 · no financials extracted | — | — | — | — | 7y | — | — |
| COTSWOLD SLEEP CLINIC LTD→ 14638303 · est 2023 · no financials extracted | — | — | — | — | 3y | — | — |
| CREATIVE WELLBEING LTD→ 08844605 · est 2014 · no financials extracted | — | — | — | — | 12y | — | — |
| CRIFFEL CARE SERVICES LTD→ 15123135 · est 2023 · no financials extracted | — | — | — | — | 2y | — | — |
| CRIFFEL INVESTMENTS LIMITED→ 07397507 · est 2010 · no financials extracted | — | — | — | — | 15y | — | — |
| CRL MED LTD→ 14447205 · est 2022 · no financials extracted | — | — | — | — | 3y | — | — |
| CSG HEALTHCARE UK LTD→ 10952266 · est 2017 · no financials extracted | — | — | — | — | 8y | — | — |
| CUEDOC LIMITED→ 06709788 · est 2008 · no financials extracted | — | — | — | — | 17y | — | — |
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
Incorporated2020-01-23
Jurisdictionengland-wales
Primary SIC88910 — Child day-care activities
Registered office
76 Wigton Road
Carlisle
Cumbria
CA2 7AY
England
Filing status
Accounts
Next due: 2027-10-31
Last made up to: 2026-01-31
Confirmation statement
Next due: 2026-09-29
Last: 2025-09-15
Officers (2 active · 1 resigned)
GRAY, Andrew Kevin→
Activedirector · ~38y · appointed 2020-01-23
View their other companies + combined net worth →
GRAY, Samantha→
Activedirector · ~50y · appointed 2020-04-27
View their other companies + combined net worth →
SANDERSON, Lorraine→
Resignedsecretary · appointed 2020-03-17 · resigned 2020-06-04
Click a director name to see their full track record across all companies.
Mortgages & charges
1
Total charges
1
Outstanding
1
Active lenders
Status:Lender:1 of 1 shown
| Type | Properties | |||||
|---|---|---|---|---|---|---|
| outstanding | National Westminster Bank National Westminster Bank PLC | A registered charge | 2 properties | 18/03/2026 | — |
Click column headers to sort. Use filters above to narrow by status and lender.
Recent filings (35 total)
accounts-with-accounts-type-micro-entity
accounts · AA
2026-05-27
mortgage-create-with-deed-with-charge-number-charge-creation-date
mortgage · MR01
2026-03-19
replacement-filing-of-confirmation-statement-with-made-up-date
confirmation-statement · RP01CS01
2025-10-30
change-person-director-company-with-change-date
officers · CH01
2025-10-29
change-to-a-person-with-significant-control
persons-with-significant-control · PSC04
2025-10-29
confirmation-statement-with-updates
confirmation-statement · CS01
2025-09-17
accounts-with-accounts-type-micro-entity
accounts · AA
2025-07-22
confirmation-statement-with-updates
confirmation-statement · CS01
2024-09-23
accounts-with-accounts-type-micro-entity
accounts · AA
2024-08-07
accounts-with-accounts-type-micro-entity
accounts · AA
2023-09-29
confirmation-statement-with-updates
confirmation-statement · CS01
2023-09-25
change-to-a-person-with-significant-control
persons-with-significant-control · PSC04
2023-08-03
change-to-a-person-with-significant-control
persons-with-significant-control · PSC04
2023-08-03
change-person-director-company-with-change-date
officers · CH01
2023-08-03
change-person-director-company-with-change-date
officers · CH01
2023-08-03