CUMBRAE PROPERTY LIMITED
No material changes in the last 30 days.
No snapshot from 90 days ago — start tracking from today.
No snapshot from 180 days ago — start tracking from today.
Opportunity 78/100 (strong), bankability 67/100. Strong seller-intent signal (68/100, director aged 75). Share purchase looks the cleaner deal structure. Biggest value-creation lever: Consolidate lender relationships. 5 distinct lenders creates friction — refinance into single-lender structure for cleaner diligence. Most likely exit: share sale to pe / searcher (73/100).
Refinance opportunity
7 live charges · 5 lenders · oldest 9.2y
Refinance path is blocked by complexity. Rethink structure or expect bespoke, expensive terms.
- · Oldest live charge is 9.2 years old — likely at or near maturity.
- · 5 lenders named — inter-creditor friction likely.
- · Legal-friction score 25/100 — workable, but lender will want more DD.
Data confidence
Overall: high (84/100)Strong data coverage across all sections. AI outputs should be trusted with minimal caveats.
Solid opportunity signal. Worth a dedicated memo and management meeting.
Key financials
2 years extracted from filed iXBRL accountsHover to see exact values · click legend to toggle series
Financials
Extracted from Companies House accounts · accounting standard unknown| Metric | 2024-12-31 | 2023-12-31 |
|---|---|---|
| Total assets | £636.6k | — |
| Cash | £15.8k | — |
| Average employees | — | 0 |
Amounts extracted automatically from iXBRL. Fields left blank were not reported or not mapped. Values in GBP unless stated.
3 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
Corporate timeline (31 events)Click to expand
- 2025-10-31📄accounts-with-accounts-type-total-exemption-fullaccounts · AA
- 2024-09-25📄accounts-with-accounts-type-total-exemption-fullaccounts · AA
- 2023-09-27📄accounts-with-accounts-type-total-exemption-fullaccounts · AA
- 2022-11-30📄gazette-filings-brought-up-to-dategazette · DISS40
- 2022-11-29📄accounts-with-accounts-type-total-exemption-fullaccounts · AA
- 2022-11-29📄gazette-notice-compulsorygazette · GAZ1
- 2021-09-28📄accounts-with-accounts-type-total-exemption-fullaccounts · AA
- 2020-12-09📄notification-of-a-person-with-significant-controlpersons-with-significant-control · PSC02
- 2020-12-09📄notification-of-a-person-with-significant-controlpersons-with-significant-control · PSC02
- 2020-12-08📄cessation-of-a-person-with-significant-controlpersons-with-significant-control · PSC07
- 2020-09-14📄accounts-with-accounts-type-total-exemption-fullaccounts · AA
- 2019-09-26📄accounts-with-accounts-type-total-exemption-fullaccounts · AA
- 2019-06-04📄mortgage-create-with-deed-with-charge-number-charge-creation-datemortgage · MR01
- 2019-06-03🔒Charge registered #7Lender: Bank of Scotland PLC
- 2019-05-29📄mortgage-alter-floating-charge-with-numbermortgage · 466(Scot)
- 2019-01-25📄mortgage-create-with-deed-with-charge-number-charge-creation-datemortgage · MR01
- 2019-01-09🔒Charge registered #6Lender: Bae Systems (Property Investments) Limited
- 2018-11-16📄mortgage-satisfy-charge-fullmortgage · MR04
- 2018-11-16🔓Charge satisfied #5
- 2018-10-25📄accounts-with-accounts-type-total-exemption-fullaccounts · AA
- 2018-07-06🔒Charge registered #5Lender: Bank of Scotland PLC
- 2018-07-06🔓Charge satisfied #3
- 2018-07-06🔓Charge satisfied #1
- 2018-06-15🔒Charge registered #4Lender: Bank of Scotland PLC
- 2017-08-09🔒Charge registered #3Lender: Bellair (Scotland) Limited
- 2017-06-30🔓Charge satisfied #2
- 2017-05-24🔒Charge registered #2Lender: The Royal Bank of Scotland PLC
- 2017-05-05🔒Charge registered #1Lender: Pacific Shelf 1773 Limited
- 2014-12-02🏢Company incorporatedAs CUMBRAE PROPERTY LIMITED
- 2014-12-02➕GEDDES, Crawford Brown appointeddirector
- 2014-12-02➕STEWART, Joseph Brian appointeddirector
Owner dependency
Material founder dependency. Consider a 2-3 year earn-out and build in a handover plan before completion.
- +Two-director setup: Only two active directors — typical of owner-managed SMEs but limits succession.
- +Founder age: Director aged approximately 75 — succession pressure is live.
- +No director turnover: Company is 12 years old with no director changes — suggests a very tight-knit founder team never broadened.
Succession & seller-readiness
Multiple signals suggest succession is on the horizon. Candidate for proactive outreach.
- primaryFounder aged 70+: Senior director is approximately 75 years old. Natural succession window is now.
- secondaryTwo-director governance: Small-team governance. Succession depth is thin but not absent.
- supportingClean filings + long tenure: Disciplined long-tenure operator — classic lifestyle-business pattern that often sells quietly.
Red flags
1 med ·Multiple instances where a charge was satisfied and a new charge created within 6 months. Suggests active refinancing cycle.
Group structure
3 corporate shareholders identified. Group structure is distributed.
Parent relationships inferred from Persons with Significant Control filings. Full subsidiary tree requires reverse-lookup (coming).
Shareholders & ownership
3 active beneficial owners| Name | Shares | Voting rights | Nature of control | Notified |
|---|---|---|---|---|
Orsay Bishopton Ltd Corporate entity | 25–50% | 25–50% | 25-50% shares · 25-50% voting | 25/03/2019 |
Redesdale Developments Limited Corporate entity | 25–50% | 25–50% | 25-50% shares · 25-50% voting | 06/04/2016 |
Cbrg Limited Corporate entity | 25–50% | — | 25-50% shares | 06/04/2016 |
1 historic (ceased) PSC
- Dotmar Investments Limitedceased 06/04/2016· 25-50% shares
From Companies House Persons with Significant Control filings. Share ranges are banded per the public PSC regime.
Radial SVG graph showing every company connected via shared directors, colour-coded by status.
Available from the Pro tier upwards.
See pricing →Similar companies
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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 →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
Registered office
Filing status
Officers (2 active · 0 resigned)
Click a director name to see their full track record across all companies.
Mortgages & charges
| Type | Properties | |||||
|---|---|---|---|---|---|---|
| outstanding | Lloyds Banking Group Bank of Scotland PLC | A registered charge | 1 property | 03/06/2019 | — | |
| outstanding | Bae Systems (Property Investments) Bae Systems (Property Investments) Limited | A registered charge | 1 property | 09/01/2019 | — | |
| satisfied | Lloyds Banking Group Bank of Scotland PLC | A registered charge | 1 property | 06/07/2018 | 16/11/2018 | |
| outstanding | Lloyds Banking Group Bank of Scotland PLC | A registered charge | — | 15/06/2018 | — | |
| satisfied | Bellair (Scotland) Bellair (Scotland) Limited | A registered charge | 1 property | 09/08/2017 | 06/07/2018 | |
| satisfied | Lloyds Banking Group The Royal Bank of Scotland PLC | A registered charge | — | 24/05/2017 | 30/06/2017 | |
| satisfied | Pacific Shelf 1773 Pacific Shelf 1773 Limited | A registered charge | 1 property | 05/05/2017 | 06/07/2018 |