THOMAS CUTHELL & SONS LIMITED

🌳Matureactive
SC411154 · ltd · incorporated 2011-11-11
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.
Opportunity decay
approaching window · 12-months
Approaching a transaction window — refinance or sale event plausible in the next 12 months.
  • · Oldest live charge 13.6y old — refinance window within 12 months
🔒Estimated value
—
Upgrade to see
Turnover
—
year to Mar 2025
Net worth
—
book net assets
Opportunity
73/100
Strong
🔔
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What this business does
Primary activity: Funeral and related activities
Sector: Other service activities
Investor take
Pursue
Strong opportunity: active trading company with strong profile and bankable structure.

Opportunity 73/100 (strong), bankability 85/100. High owner-dependency — earn-out structure likely required for clean transition. Share purchase looks the cleaner deal structure. Most likely exit: strategic trade sale (63/100).

🏦

Refinance opportunity

5 live charges · 2 lenders · oldest 13.6y

70/100
ready

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

  • · Oldest live charge is 13.6 years old — likely at or near maturity.
  • · Two lenders — manageable, but coordination required.
  • · Legal-friction score 15/100 — clean.

Data confidence

Overall: medium (78/100)

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
5 charges (5/5 with lender, 5/5 with type)
90
Directors & officers
8 officers (4 active, 8 linked, 6 with DOB)
85
Ownership & PSC
3 active PSC(s) of 5 total, 5 with control declared
90
Director network
Network not yet resolved
30
Filing history
60 filings on record
85
Gazette notices
No matching gazette notices (standard for active companies)
60
Opportunity Score
73/100Strong
PassWatchWorth a lookStrongExceptional 

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

Business quality
70
Active, clean filings, stable charge profile.
Acquirability
55
Some acquirability indicators.
Risk profile
77
Few red flags.
Signal strength
100
Good data coverage for analysis.

Key financials

2 years extracted from filed iXBRL accounts
Cash
—
Net Worth
—
Current Assets
—
Current Liabilities
—
£0£0£0£0£0£0Mar 2024Mar 2025

Hover to see exact values · click legend to toggle series

Financials

Extracted from Companies House accounts · FRS 102
Metric2025-03-312024-03-31
Average employees31003100

Amounts extracted automatically from iXBRL. Fields left blank were not reported or not mapped. Values in GBP unless stated.

🔒Filing-note intelligence

2 signals 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
4
filings
  • • 4 persons-with-significant-control
Last 180 days
5
filings
  • • 4 persons-with-significant-control
  • • 1 accounts
Counts from Companies House filing history.
Corporate timeline (43 events)Click to expand
  1. 2026-02-27
    📄
    change-to-a-person-with-significant-control
    persons-with-significant-control · PSC04
  2. 2026-02-27
    📄
    change-to-a-person-with-significant-control
    persons-with-significant-control · PSC04
  3. 2026-02-27
    📄
    change-to-a-person-with-significant-control
    persons-with-significant-control · PSC04
  4. 2026-02-27
    📄
    change-to-a-person-with-significant-control
    persons-with-significant-control · PSC04
  5. 2025-12-24
    📄
    accounts-with-accounts-type-total-exemption-full
    accounts · AA
  6. 2024-12-23
    📄
    accounts-with-accounts-type-total-exemption-full
    accounts · AA
  7. 2024-02-24
    📄
    mortgage-satisfy-charge-full
    mortgage · MR04
  8. 2024-02-24
    🔓
    Charge satisfied #1
  9. 2024-02-08
    📄
    mortgage-satisfy-charge-full
    mortgage · MR04
  10. 2024-02-08
    🔓
    Charge satisfied #5
  11. 2023-12-21
    📄
    accounts-with-accounts-type-total-exemption-full
    accounts · AA
  12. 2022-12-22
    📄
    accounts-with-accounts-type-total-exemption-full
    accounts · AA
  13. 2021-12-24
    📄
    accounts-with-accounts-type-total-exemption-full
    accounts · AA
  14. 2021-11-19
    📄
    notification-of-a-person-with-significant-control
    persons-with-significant-control · PSC01
  15. 2021-11-19
    📄
    cessation-of-a-person-with-significant-control
    persons-with-significant-control · PSC07
  16. 2021-11-19
    📄
    cessation-of-a-person-with-significant-control
    persons-with-significant-control · PSC07
  17. 2021-10-18
    📄
    capital-cancellation-shares
    capital · SH06
  18. 2021-10-18
    📄
    capital-return-purchase-own-shares
    capital · SH03
  19. 2021-09-08
    📄
    termination-director-company-with-name-termination-date
    officers · TM01
  20. 2021-09-03
    ➖
    CUTHELL, Grant resigned
    director
  21. 2021-08-06
    📄
    mortgage-satisfy-charge-full
    mortgage · MR04
  22. 2021-08-06
    📄
    mortgage-satisfy-charge-full
    mortgage · MR04
  23. 2021-08-06
    📄
    mortgage-satisfy-charge-full
    mortgage · MR04
  24. 2021-08-06
    🔓
    Charge satisfied #4
  25. 2021-08-06
    🔓
    Charge satisfied #3
  26. 2021-08-06
    🔓
    Charge satisfied #2
  27. 2020-09-22
    ➖
    CUTHELL, Colin John resigned
    director
  28. 2018-09-26
    🔒
    Charge registered #5
    Lender: Bank of Scotland PLC
  29. 2013-10-23
    🔒
    Charge registered #4
    Lender: Clydesdale Bank PLC
  30. 2013-10-23
    🔒
    Charge registered #3
    Lender: Clydesdale Bank PLC
  31. 2013-10-22
    🔒
    Charge registered #2
    Lender: Clydesdale Bank PLC
  32. 2012-10-02
    🔒
    Charge registered #1
    Lender: Clydesdale Bank PLC
  33. 2011-11-11
    🏢
    Company incorporated
    As THOMAS CUTHELL & SONS LIMITED
  34. 2011-11-11
    ➕
    CUTHELL, Michelle appointed
    secretary
  35. 2011-11-11
    ➕
    CUTHELL, Alistair Grant appointed
    director
  36. 2011-11-11
    ➕
    CUTHELL, Michelle appointed
    director
  37. 2011-11-11
    ➕
    CUTHELL, Paul Colin appointed
    director
  38. 2011-11-11
    ➕
    BRIAN REID LTD. appointed
    corporate-secretary
  39. 2011-11-11
    ➖
    BRIAN REID LTD. resigned
    corporate-secretary
  40. 2011-11-11
    ➕
    CUTHELL, Colin John appointed
    director
  41. 2011-11-11
    ➕
    CUTHELL, Grant appointed
    director
  42. 2011-11-11
    ➕
    MABBOTT, Stephen George appointed
    director
  43. 2011-11-11
    ➖
    MABBOTT, Stephen George resigned
    director

Owner dependency

73/100
High — earn-out structure required

Material founder dependency. Consider a 2-3 year earn-out and build in a handover plan before completion.

FACTORS
  • +Founder name in company name: Company name contains director surname "CUTHELL" — strong identity link between founder and business.
  • +Family involvement: Multiple officers share a surname — likely family business, which concentrates governance.

Succession & seller-readiness

43/100
Moderate signal

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

SIGNALS
  • secondary12+ year tenure: Director in role 15 years.
  • supportingClean filings + long tenure: Disciplined long-tenure operator — classic lifestyle-business pattern that often sells quietly.

Red flags

1 med ·
Charge satisfaction-then-recreation pattern
medium

Multiple instances where a charge was satisfied and a new charge created within 6 months. Suggests active refinancing cycle.

Shareholders & ownership

3 active beneficial owners
NameSharesVoting rightsNature of controlNotified
Michelle Cuthell
Individual · British · DOB 12/1982 · age 44
25–50%
25–50%25-50% shares · 25-50% voting01/12/2020
Mr Paul Colin Cuthell
Individual · British · DOB 09/1980 · age 46
25–50%
25–50%25-50% shares · 25-50% voting06/04/2016
Mr Alistair Grant Cuthell
Individual · British · DOB 11/1975 · age 51
25–50%
25–50%25-50% shares · 25-50% voting06/04/2016
2 historic (ceased) PSCs
  • Mr Grant Cuthellceased 31/08/2021· significant influence
  • Mr Colin John Cuthellceased 31/08/2021· significant influence

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
Incorporated2011-11-11
Jurisdictionscotland
Primary SIC96030 — Funeral and related activities

Registered office

Hope Street
Falkirk
FK1 5AT

Filing status

Accounts
Next due: 2026-12-31
Last made up to: 2025-03-31
Confirmation statement
Next due: 2026-11-25
Last: 2025-11-11

Officers (4 active · 4 resigned)

CUTHELL, Michelle→
secretary · appointed 2011-11-11
View their other companies + combined net worth →
Active
CUTHELL, Alistair Grant→
director · ~51y · appointed 2011-11-11
View their other companies + combined net worth →
Active
CUTHELL, Michelle→
director · ~44y · appointed 2011-11-11
View their other companies + combined net worth →
Active
CUTHELL, Paul Colin→
director · ~46y · appointed 2011-11-11
View their other companies + combined net worth →
Active
BRIAN REID LTD.→
corporate-secretary · appointed 2011-11-11 · resigned 2011-11-11
Resigned
CUTHELL, Colin John→
director · ~77y · appointed 2011-11-11 · resigned 2020-09-22
Resigned
CUTHELL, Grant→
director · ~80y · appointed 2011-11-11 · resigned 2021-09-03
Resigned
MABBOTT, Stephen George→
director · ~76y · appointed 2011-11-11 · resigned 2011-11-11
Resigned

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

Mortgages & charges

5
Total charges
0
Outstanding
0
Active lenders
Status:Lender:5 of 5 shown
TypeProperties
satisfied
Lloyds Banking Group
Bank of Scotland PLC
A registered charge—26/09/201808/02/2024
satisfied
Virgin Money
Clydesdale Bank PLC
A registered charge1 property23/10/201306/08/2021
satisfied
Virgin Money
Clydesdale Bank PLC
A registered charge1 property23/10/201306/08/2021
satisfied
Virgin Money
Clydesdale Bank PLC
A registered charge1 property22/10/201306/08/2021
satisfied
Virgin Money
Clydesdale Bank PLC
Floating charge1 property02/10/201224/02/2024

Recent filings (60 total)

change-to-a-person-with-significant-control
persons-with-significant-control · PSC04
2026-02-27
change-to-a-person-with-significant-control
persons-with-significant-control · PSC04
2026-02-27
change-to-a-person-with-significant-control
persons-with-significant-control · PSC04
2026-02-27
change-to-a-person-with-significant-control
persons-with-significant-control · PSC04
2026-02-27
accounts-with-accounts-type-total-exemption-full
accounts · AA
2025-12-24
confirmation-statement-with-no-updates
confirmation-statement · CS01
2025-11-13
accounts-with-accounts-type-total-exemption-full
accounts · AA
2024-12-23
confirmation-statement-with-no-updates
confirmation-statement · CS01
2024-12-03
mortgage-satisfy-charge-full
mortgage · MR04
2024-02-24
mortgage-satisfy-charge-full
mortgage · MR04
2024-02-08
accounts-with-accounts-type-total-exemption-full
accounts · AA
2023-12-21
confirmation-statement-with-no-updates
confirmation-statement · CS01
2023-11-20
accounts-with-accounts-type-total-exemption-full
accounts · AA
2022-12-22
confirmation-statement-with-no-updates
confirmation-statement · CS01
2022-11-11
accounts-with-accounts-type-total-exemption-full
accounts · AA
2021-12-24