CUMMING AUTOMOTIVE LIMITED

🌳Matureactive

SC374123 · ltd · incorporated 2010-03-04

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.

Why now

Window steady · low confidence

Steady and tidy — no seller pressure yet. Approach only if an angle opens.

Opportunity decay

approaching window · 12-months

Approaching a transaction window — refinance or sale event plausible in the next 12 months.

· Oldest live charge 14.5y old — refinance window within 12 months

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 Apr 2025

Net worth

£56.6k

book net assets

Opportunity

82/100

Exceptional

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What this business does

Primary activity: SIC 45200

Sector: Wholesale & retail

Investor take

Pursue

Active trading company. Family succession underway — not a classic acquisition target.

Opportunity 82/100 (exceptional), bankability 80/100. Same-surname younger director in place — likely family handover, not open to sale. Share purchase looks the cleaner deal structure. Most likely exit: share sale to pe / searcher (65/100).

🏦

Refinance opportunity

1 live charge · oldest 14.5y

85/100

ready

Refinance conversation should be productive — structure clean and timing right.

· Oldest live charge is 14.5 years old — likely at or near maturity.
· Single lender — cleanest path to refinance.
· Legal-friction score 15/100 — clean.

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

1 charges (1/1 with lender, 1/1 with type)

Directors & officers

5 officers (5 active, 5 linked, 4 with DOB)

Ownership & PSC

2 active PSC(s) of 2 total, 2 with control declared

Director network

3 connected companies via shared directors

Filing history

44 filings on record

Gazette notices

No matching gazette notices (standard for active companies)

Opportunity Score

82/100Exceptional

PassWatchWorth a lookStrongExceptional

Strong composite across quality, acquirability, and risk. High-priority target — progress to serious diligence.

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 105 (micro)

Positive net assets

Net assets £56,605

Key financials

2 years extracted from filed iXBRL accounts

Cash

—

Net Worth

£57k

↑ 94% YoY

Current Assets

£121k

↑ 96% YoY

Current Liabilities

—

Hover to see exact values · click legend to toggle series

Financials

Extracted from Companies House accounts · FRS 105 (micro)

Metric	2025-04-30	2024-04-30
Total assets	£92.1k	£29.2k
Current assets	£121.3k	£61.8k
Net assets	£56.6k	£29.2k

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

filings

• 2 officers
• 2 persons-with-significant-control
• 1 confirmation-statement

Counts from Companies House filing history.

Corporate timeline (24 events)Click to expand

2026-03-09
📄
change-person-secretary-company-with-change-date
officers · CH03
2026-03-09
📄
change-person-director-company-with-change-date
officers · CH01
2026-03-09
📄
change-to-a-person-with-significant-control
persons-with-significant-control · PSC04
2026-03-09
📄
change-to-a-person-with-significant-control
persons-with-significant-control · PSC04
2026-01-12
📄
change-person-director-company-with-change-date
officers · CH01
2025-12-20
📄
change-person-secretary-company-with-change-date
officers · CH03
2025-10-07
📄
accounts-with-accounts-type-micro-entity
accounts · AA
2025-07-09
➕
CUMMING, Angus James appointed
director
2025-07-09
➕
CUMMING, Fiona Macfarlane appointed
director
2025-07-09
➕
MCCONVILLE, Scott Pate appointed
director
2025-07-09
📄
appoint-person-director-company-with-name-date
officers · AP01
2025-07-09
📄
appoint-person-director-company-with-name-date
officers · AP01
2025-07-09
📄
appoint-person-director-company-with-name-date
officers · AP01
2025-01-23
📄
accounts-with-accounts-type-micro-entity
accounts · AA
2024-01-16
📄
accounts-with-accounts-type-micro-entity
accounts · AA
2023-01-30
📄
accounts-with-accounts-type-micro-entity
accounts · AA
2022-01-30
📄
accounts-with-accounts-type-micro-entity
accounts · AA
2021-01-30
📄
accounts-with-accounts-type-micro-entity
accounts · AA
2020-01-29
📄
accounts-with-accounts-type-micro-entity
accounts · AA
2019-01-30
📄
accounts-with-accounts-type-micro-entity
accounts · AA
2012-01-27
🔒
Charge registered #1
Lender: The Royal Bank of Scotland PLC
2010-03-04
🏢
Company incorporated
As CUMMING AUTOMOTIVE LIMITED
2010-03-04
➕
CUMMING, Stewart Scott appointed
secretary
2010-03-04
➕
CUMMING, Stewart Scott appointed
director

Owner dependency

88/100

Critical — business is the founder

The business appears inseparable from the founder. Acquisition without a serious earn-out or meaningful transition period would likely destroy value.

FACTORS

-4 active directors: Broader management team in place — suggests transferable governance.
+Founder name in company name: Company name contains director surname "CUMMING" — strong identity link between founder and business.
+Long-tenure founder: Senior director has been in place 16 years — deep operational knowledge concentrated in one person.
+Founder age: Director aged approximately 65 — succession pressure is live.
+Family involvement: Multiple officers share a surname — likely family business, which concentrates governance.

Succession & seller-readiness

23/100

No succession signal

No meaningful acquirability indicators from public data.

SIGNALS

primaryFamily succession underway: Not a takeover target — CUMMING, Angus James (same surname) appointed 2025-07-09. Pattern consistent with intra-family handover.
primaryFounder aged 63+: Senior director is approximately 65. Approaching typical UK retirement age — succession thinking likely.
secondary12+ year tenure: Director in role 16 years.
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.)

Shareholders & ownership

2 active beneficial owners

Name	Shares	Voting rights	Nature of control	Notified
Mr Stewart Scott Cumming Individual · British · DOB 04/1961 · age 65	50–75%	—	50-75% shares	06/04/2016
Mrs Fiona Macfarlane Cumming Individual · Scottish · DOB 09/1965 · age 61	25–50%	—	25-50% shares	06/04/2016

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.

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Similar companies

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AA MOTORS LIMITED→ SC249517 · est 2003	—	—	—	400	23y	83	63y
ARGYLE DIESEL ELECTRICS LIMITED→ SC039707 · est 1963	—	—	£206.8k	—	62y	83	94y
AUTO-TEC (SCOTLAND) LIMITED→ SC239846 · est 2002	—	—	—	1400	23y	83	63y
BOWCOM EXPORTS LTD.→ SC329932 · est 2007	—	—	£36.4k	—	18y	83	60y
A M K SELF DRIVE LIMITED→ SC144323 · est 1993	—	—	—	—	33y	82	68y
AEP (SCOTLAND) LTD.→ SC378869 · est 2010	—	—	£1.01M	—	16y	82	64y
ALEX MURRAY MOTORS LIMITED→ SC237362 · est 2002	—	—	—	0	23y	82	86y
ALPINE TRANSMISSIONS LIMITED→ SC174276 · est 1997	—	—	—	600	29y	82	59y
BAILLIESTON MOTOR ENGINEERS LTD→ SC280923 · est 2005	—	—	£367.5k	—	21y	82	63y
BURNFIELD MOTORS LTD.→ SC254936 · est 2003	—	—	£557.6k	—	22y	82	70y
BURNS MOTOR ENGINEERING COMPANY LIMITED→ SC218165 · est 2001	—	—	£853.3k	—	25y	82	62y
CAR CARE (MOTOR ENGINEERS) LIMITED→ SC209150 · est 2000	—	—	£2.23M	—	25y	82	76y

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.

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Company details

Statusactive

Typeltd

Incorporated2010-03-04

Jurisdictionscotland

Primary SIC45200 — SIC 45200

Registered office

48 Cogan Street

Pollokshaws

Glasgow

G43 1AP

Filing status

Accounts

Next due: 2027-01-31

Last made up to: 2025-04-30

Confirmation statement

Next due: 2027-03-18

Last: 2026-03-04