CUMBRIA LEASING LIMITED
🌳Matureactive
01273484 · ltd · incorporated 1976-08-17
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.
Opportunity decay
approaching window · 12-months
Approaching a transaction window — refinance or sale event plausible in the next 12 months.
- · Oldest live charge 15.6y old — refinance window within 12 months
🔒Estimated value
—
Upgrade to see
Turnover
—
not disclosed
Net worth
—
book net assets
Opportunity
80/100
Exceptional
What this business does
Primary activity: Financial leasing
Sector: Financial & insurance
ALSO REGISTERED FOR
- 64921Credit granting by non-deposit taking finance houses and other specialist consumer credit grantors
Investor take
PursueActive trading company with a 65-year-old founder — textbook succession opportunity.
Opportunity 80/100 (exceptional), bankability 75/100. Strong seller-intent signal (68/100, director aged 65). Share purchase looks the cleaner deal structure. Biggest value-creation lever: Discharge stale live charges. 1 live charge(s) created 15+ years ago — likely paid but undischarged. Clean register. Most likely exit: strategic trade sale (73/100).
🏦
Refinance opportunity
2 live charges · 2 lenders · oldest 15.6y
50/100
clean up first
Refinance viable after a tidy-up — address the highlighted items first.
- · Oldest live charge is 15.6 years old — likely at or near maturity.
- · Two lenders — manageable, but coordination required.
- · Legal-friction score 25/100 — workable, but lender will want more DD.
Data confidence
Overall: medium (57/100)Adequate coverage. AI outputs are reliable for the sections scored high; verify the rest in diligence.
Company profile
address, 2 SIC codes, incorporation date
100
Financials
No iXBRL financials extracted
0
Lenders & charges
2 charges (2/2 with lender, 2/2 with type)
90
Directors & officers
5 officers (3 active, 5 linked, 4 with DOB)
86
Ownership & PSC
1 active PSC(s) of 1 total, 1 with control declared
90
Director network
1 connected companies via shared directors
48
Filing history
102 filings on record
85
Gazette notices
No matching gazette notices (standard for active companies)
60
Opportunity Score
80/100Exceptional
PassWatchWorth a lookStrongExceptional
Strong composite across quality, acquirability, and risk. High-priority target — progress to serious diligence.
Business quality
70
Active, clean filings, stable charge profile.
Acquirability
75
Strong succession / seller-readiness signals.
Risk profile
85
Few red flags.
Signal strength
100
Good data coverage for analysis.
Recent activity
Last 30 days
0
filings
Last 90 days
0
filings
Last 180 days
0
filings
Counts from Companies House filing history.
Corporate timeline (22 events)Click to expand
- 2025-07-21📄accounts-with-accounts-type-dormantaccounts · AA
- 2025-06-04📄notification-of-a-person-with-significant-controlpersons-with-significant-control · PSC02
- 2025-06-04📄withdrawal-of-a-person-with-significant-control-statementpersons-with-significant-control · PSC09
- 2024-08-29📄accounts-with-accounts-type-dormantaccounts · AA
- 2023-09-21📄accounts-with-accounts-type-dormantaccounts · AA
- 2022-08-22📄accounts-with-accounts-type-dormantaccounts · AA
- 2021-08-27📄accounts-with-accounts-type-dormantaccounts · AA
- 2020-10-09📄accounts-with-accounts-type-dormantaccounts · AA
- 2019-07-29📄accounts-with-accounts-type-dormantaccounts · AA
- 2018-07-23📍change-registered-office-address-company-with-date-old-address-new-addressaddress · AD01
- 2018-06-14📄accounts-with-accounts-type-dormantaccounts · AA
- 2017-10-30📄termination-director-company-with-name-termination-dateofficers · TM01
- 2017-10-26➖JOHNSTONE, Douglas resigneddirector
- 2017-06-17📄accounts-with-accounts-type-dormantaccounts · AA
- 2016-08-31📄accounts-with-accounts-type-total-exemption-smallaccounts · AA
- 2015-09-03📄accounts-with-accounts-type-fullaccounts · AA
- 2011-04-06🔓Charge satisfied #1
- 2011-03-24🔒Charge registered #2Lender: The Co-Operative Bank PLC
- 2010-10-01🔒Charge registered #1Lender: The Royal Bank of Scotland PLC
- 2004-08-12➖BROATCH, Caroline Jane resigneddirector
- 1993-02-22➕BROATCH, Caroline Jane appointeddirector
- 1976-08-17🏢Company incorporatedAs CUMBRIA LEASING LIMITED
Owner dependency
73/100
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.
- +Founder age: Director aged approximately 65 — succession pressure is live.
Succession & seller-readiness
66/100
Strong succession signalMultiple signals suggest succession is on the horizon. Candidate for proactive outreach.
SIGNALS
- primaryFounder aged 63+: Senior director is approximately 65. Approaching typical UK retirement age — succession thinking likely.
- secondaryTwo-director governance: Small-team governance. Succession depth is thin but not absent.
- secondaryStable-but-static management: Company is 50 years old and no new directors in the last 3 years — succession not yet being planned internally.
Red flags
cleanNo red flags detected from available public data. (This is not a clean bill of health — detailed accounts review still recommended.)
Group structure
Dalbeattie Finance Company Limited is the ultimate parent — holding 75%+ shares. This company sits inside their group.
🏛️ultimate parent
Dalbeattie Finance Company Limited
Corporate parent · holds 75-100% shares · board control
⬇
CUMBRIA LEASING LIMITED
This company · 01273484
Parent relationships inferred from Persons with Significant Control filings. Full subsidiary tree requires reverse-lookup (coming).
Shareholders & ownership
1 active beneficial owner · dominant holder ≥75%| Name | Shares | Voting rights | Nature of control | Notified |
|---|---|---|---|---|
Dalbeattie Finance Company Limited Corporate entity | 75–100% | 75–100% | board control75-100% shares · 75-100% voting · board control | 22/07/2016 |
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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| A&K HERD LTD→ 10754966 · est 2017 · no financials extracted | — | — | — | — | 8y | — | — |
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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.
See pricing →Company details
Statusactive
Typeltd
Incorporated1976-08-17
Jurisdictionengland-wales
Primary SIC64910 — Financial leasing
Registered office
Victoria House Wavell Drive
Rosehill Industrial Estate
Carlisle
CA1 2ST
England
Filing status
Accounts
Next due: 2026-12-31
Last made up to: 2025-03-31
Confirmation statement
Next due: 2026-08-05
Last: 2025-07-22
Officers (3 active · 2 resigned)
Active
Active
Active
BROATCH, Caroline Jane→
Resigneddirector · ~66y · appointed 1993-02-22 · resigned 2004-08-12
JOHNSTONE, Douglas→
Resigneddirector · ~105y · resigned 2017-10-26
Click a director name to see their full track record across all companies.
Mortgages & charges
2
Total charges
1
Outstanding
1
Active lenders
Status:Lender:2 of 2 shown
| Type | Properties | |||||
|---|---|---|---|---|---|---|
| outstanding | Co-operative Bank The Co-Operative Bank PLC | Bond and floating charge | 1 property | 24/03/2011 | — | |
| satisfied | Lloyds Banking Group The Royal Bank of Scotland PLC | Debenture | 1 property | 01/10/2010 | 06/04/2011 |
Click column headers to sort. Use filters above to narrow by status and lender.
Recent filings (102 total)
confirmation-statement-with-no-updates
confirmation-statement · CS01
2025-07-22
accounts-with-accounts-type-dormant
accounts · AA
2025-07-21
notification-of-a-person-with-significant-control
persons-with-significant-control · PSC02
2025-06-04
withdrawal-of-a-person-with-significant-control-statement
persons-with-significant-control · PSC09
2025-06-04
accounts-with-accounts-type-dormant
accounts · AA
2024-08-29
confirmation-statement-with-no-updates
confirmation-statement · CS01
2024-07-22
accounts-with-accounts-type-dormant
accounts · AA
2023-09-21
confirmation-statement-with-no-updates
confirmation-statement · CS01
2023-07-24
accounts-with-accounts-type-dormant
accounts · AA
2022-08-22
confirmation-statement-with-no-updates
confirmation-statement · CS01
2022-07-22
accounts-with-accounts-type-dormant
accounts · AA
2021-08-27
confirmation-statement-with-no-updates
confirmation-statement · CS01
2021-07-22
accounts-with-accounts-type-dormant
accounts · AA
2020-10-09
confirmation-statement-with-no-updates
confirmation-statement · CS01
2020-07-22
accounts-with-accounts-type-dormant
accounts · AA
2019-07-29