CUMBRAE COMMUNITY DEVELOPMENT COMPANY

🌳Matureactive

SC234200 · private-limited-guarant-nsc-limited-exemption · incorporated 2002-07-16

Investment thesis

Looks cheap but ownership + security both unclear — probable value trap.

Why interesting: Headline metrics may be attractive.

Why risky: No PSC visibility combined with multiple live charges; transacting likely slow and expensive.

Why now

Window steady · low confidence

Stable recent picture — watch for any upcoming trigger event.

What changed my view

Last 30 days

No material changes in the last 30 days.

Last 90 days

No snapshot from 90 days ago — start tracking from today.

Last 180 days

No snapshot from 180 days ago — start tracking from today.

🔒Estimated value

—

Upgrade to see

Turnover

—

year to Mar 2024

Net worth

£4.63M

book net assets

Opportunity

79/100

Strong

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What this business does

Primary activity: Other business support service activities n.e.c.

Sector: Administrative & support services

Investor take

Pursue

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

Opportunity 79/100 (strong), bankability 57/100. Strong seller-intent signal (63/100, director aged 69). Share purchase looks the cleaner deal structure. Biggest value-creation lever: Consolidate lender relationships. 4 distinct lenders creates friction — refinance into single-lender structure for cleaner diligence. Most likely exit: share sale to pe / searcher (65/100).

🏦

Refinance opportunity

5 live charges · 4 lenders · oldest 23.3y

35/100

too messy

Refinance path is blocked by complexity. Rethink structure or expect bespoke, expensive terms.

· Oldest live charge is 23.3 years old — likely at or near maturity.
· 4 lenders named — inter-creditor friction likely.
· Legal-friction score 40/100 — workable, but lender will want more DD.

Data confidence

Overall: medium (66/100)

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

1 year of iXBRL accounts extracted (no YoY comparison) + narrative notes parsed

Lenders & charges

5 charges (5/5 with lender, 5/5 with type)

Directors & officers

86 officers (8 active, 86 linked, 78 with DOB)

Ownership & PSC

No PSCs filed (unusual — worth investigating)

Director network

6 connected companies via shared directors

Filing history

237 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

100

Good data coverage for analysis.

Signals from accounts

Derived from iXBRL accounts · FRS 102

Positive net assets

Net assets £4,627,925

Key financials

1 year extracted from filed iXBRL accounts

Cash

£178k

Net Worth

£4.6m

Current Assets

£250k

Current Liabilities

—

Financials

Extracted from Companies House accounts · FRS 102

Metric	2024-03-31
Total assets	£4.69M
Current assets	£250.5k
Cash	£178.2k
Debtors	£72.3k
Net assets	£4.63M

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

Last 90 days

filings

Last 180 days

filing

• 1 accounts

Counts from Companies House filing history.

Corporate timeline (190 events)Click to expand

2026-01-08
📄
accounts-with-accounts-type-group
accounts · AA
2025-03-31
➕
CAVAN, Brian appointed
director
2025-03-31
📄
appoint-person-director-company-with-name-date
officers · AP01
2025-03-31
📄
termination-director-company-with-name-termination-date
officers · TM01
2025-03-28
➖
WILLIAMSON, David resigned
director
2025-03-05
📄
appoint-person-director-company-with-name-date
officers · AP01
2025-02-25
➕
MITCHELL, Thomas appointed
director
2024-12-19
📄
accounts-with-accounts-type-small
accounts · AA
2024-07-10
📄
appoint-person-director-company-with-name-date
officers · AP01
2024-07-05
➕
SMITH, Robert appointed
director
2024-07-02
📄
termination-director-company-with-name-termination-date
officers · TM01
2024-06-26
➖
SMITH, Dianne resigned
director
2023-12-18
📄
accounts-with-accounts-type-full
accounts · AA
2023-06-06
📄
resolution
resolution · RESOLUTIONS
2023-06-05
📄
memorandum-articles
incorporation · MA
2023-02-23
📄
appoint-person-director-company-with-name-date
officers · AP01
2023-02-09
➕
SMITH, Dianne appointed
director
2022-12-21
📄
accounts-with-accounts-type-full
accounts · AA
2022-03-16
📄
appoint-person-director-company-with-name-date
officers · AP01
2022-03-10
➕
NEWTON, Jensen appointed
director
2022-03-10
📄
termination-director-company-with-name-termination-date
officers · TM01
2022-03-02
➖
MACLACHLAN, Bryony resigned
director
2021-12-22
📄
accounts-with-accounts-type-small
accounts · AA
2021-03-17
📄
accounts-with-accounts-type-full
accounts · AA
2021-03-10
📄
change-person-director-company-with-change-date
officers · CH01
2020-06-29
📄
termination-director-company-with-name-termination-date
officers · TM01
2020-06-21
➖
MCINTYRE, Rena resigned
director
2020-02-25
📍
change-registered-office-address-company-with-date-old-address-new-address
address · AD01
2019-12-15
➖
KENNEDY, Stewart resigned
director
2019-02-19
➕
DOBBIN, Stephen Alexander appointed
director
2019-02-19
➕
LAIDLAW, Douglas appointed
director
2019-02-19
➕
MACLACHLAN, Bryony appointed
director
2019-02-19
➕
WILLIAMSON, David appointed
director
2019-02-18
➖
WHITE, Stephen Richard resigned
secretary
2019-02-18
➖
DOBBIN, Stephen Alexander resigned
director
2019-02-18
➖
LAIDLAW, Douglas resigned
director
2019-02-18
➖
MACLACHLAN, Bryony resigned
director
2019-02-18
➖
PRINGLE, Robert resigned
director
2019-02-18
➖
TABERNER, James resigned
director
2019-02-18
➖
WILLIAMSON, David resigned
director
2019-01-31
➕
DOBBIN, Stephen Alexander appointed
director
2018-09-26
🔓
Charge satisfied #3
2018-08-21
➖
KERR, Douglas Clarke resigned
director
2018-03-05
➖
CAMPBELL, Donald John resigned
director
2017-12-18
➕
MACLACHLAN, Bryony appointed
director
2017-11-15
➕
CAMPBELL, Donald John appointed
director
2017-11-15
➖
DOBBIN, Stephen resigned
director
2017-11-15
➖
HILL, Alan David resigned
director
2017-11-15
➕
KENNEDY, Stewart appointed
director
2017-11-15
➕
MCINTYRE, Rena appointed
director

Showing most recent 50 of 190 events

Owner dependency

55/100

Moderate — manageable with handover

Some founder dependency, but not acute. A structured handover period should cover most risk.

FACTORS

-8 active directors: Broader management team in place — suggests transferable governance.
+Founder age: Director aged approximately 69 — succession pressure is live.

Succession & seller-readiness

55/100

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.
supportingClean filings + long tenure: Disciplined long-tenure operator — classic lifestyle-business pattern that often sells quietly.

Red flags

clean

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

🔒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 →

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Peers ranked by estimated value, then turnover, then opportunity score.See all →

🔒Tailored diligence questions

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 →

🔒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.

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Company details

Statusactive

Typeprivate-limited-guarant-nsc-limited-exemption

Incorporated2002-07-16

Jurisdictionscotland

Primary SIC82990 — Other business support service activities n.e.c.

Registered office

Garrison House Garrison House

Millport

Isle Of Cumbrae

North Ayrshire

KA28 0AZ

United Kingdom

Filing status

Accounts

Next due: 2026-12-31

Last made up to: 2025-03-31

Confirmation statement

Next due: 2026-09-10

Last: 2025-08-27