BORDERWAY FINANCE LIMITED

🌳Matureactive

03048466 · ltd · incorporated 1995-04-21

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

hardening · 12-months

Already tight — no obvious softening catalysts on the horizon.

· Thesis: well-run, low negotiation leverage

🔒Estimated value

—

Upgrade to see

Turnover

—

not disclosed

Net worth

—

book net assets

Opportunity

78/100

Strong

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What this business does

Primary activity: Credit granting by non-deposit taking finance houses and other specialist consumer credit grantors

Sector: Financial & insurance

Investor take

Pursue

Strong opportunity: active trading company with strong profile and bankable structure.

Opportunity 78/100 (strong), bankability 75/100. Share purchase looks the cleaner deal structure. Most likely exit: strategic trade sale (73/100).

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, 1 SIC codes, incorporation date

100

Financials

No iXBRL financials extracted

Lenders & charges

Confirmed no charges registered

Directors & officers

24 officers (5 active, 24 linked, 17 with DOB)

Ownership & PSC

1 active PSC(s) of 1 total, 1 with control declared

Director network

3 connected companies via shared directors

Filing history

112 filings on record

Gazette notices

No matching gazette notices (standard for active companies)

Opportunity Score

78/100Strong

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

Good data coverage for analysis.

Recent activity

Last 30 days

filings

Last 90 days

filings

Last 180 days

filings

Counts from Companies House filing history.

Corporate timeline (64 events)Click to expand

2025-06-27
📄
accounts-with-accounts-type-full
accounts · AA
2025-04-23
📄
termination-director-company-with-name-termination-date
officers · TM01
2025-04-23
📄
appoint-person-director-company-with-name-date
officers · AP01
2025-04-16
➖
HORNER, Philip Simon resigned
director
2025-04-09
➕
KELTON, Darren appointed
director
2024-10-30
📄
appoint-person-director-company-with-name-date
officers · AP01
2024-10-28
➕
EASTBURN, Elizabeth appointed
director
2024-10-28
➖
MOORE, Patrick Desmond resigned
director
2024-10-28
📄
termination-director-company-with-name-termination-date
officers · TM01
2024-07-26
📄
accounts-with-accounts-type-full
accounts · AA
2024-06-04
📄
termination-secretary-company-with-name-termination-date
officers · TM02
2024-06-04
📄
appoint-person-secretary-company-with-name-date
officers · AP03
2024-06-01
➕
HEYS, Silas Harrison appointed
secretary
2024-06-01
➖
VINES, John Paul resigned
secretary
2024-01-02
📄
accounts-with-accounts-type-full
accounts · AA
2022-10-12
📄
termination-director-company-with-name-termination-date
officers · TM01
2022-10-12
📄
termination-director-company-with-name-termination-date
officers · TM01
2022-10-05
📄
appoint-person-director-company-with-name-date
officers · AP01
2022-10-05
📄
appoint-person-director-company-with-name-date
officers · AP01
2022-09-28
➕
MCKERRACHER, Scott appointed
director
2022-09-28
➖
COLLINS, Paul resigned
director
2022-09-28
➕
HORNER, Philip Simon appointed
director
2022-09-28
➖
WINDLE, Alex resigned
director
2022-08-05
📄
accounts-with-accounts-type-full
accounts · AA
2021-08-04
📄
appoint-person-director-company-with-name-date
officers · AP01
2021-07-30
📄
accounts-with-accounts-type-full
accounts · AA
2021-07-23
➕
COLLINS, Paul appointed
director
2021-05-06
📄
termination-director-company-with-name-termination-date
officers · TM01
2021-04-30
➖
PARRY, Susanne Jayne resigned
director
2021-03-15
📄
accounts-amended-with-accounts-type-full
accounts · AAMD
2020-11-25
📄
accounts-with-accounts-type-total-exemption-full
accounts · AA
2020-07-02
📄
termination-director-company-with-name-termination-date
officers · TM01
2020-06-26
➖
LYON, Samuel John resigned
director
2019-01-30
➕
LYON, Samuel John appointed
director
2018-11-15
➖
KIDD, John Christopher Norman resigned
director
2018-06-22
➖
TEMPLE, Peter Ridley resigned
director
2018-06-19
➕
WINDLE, Alex appointed
director
2018-05-10
➕
MOORE, Patrick Desmond appointed
director
2018-03-31
➖
PARR, Kevin resigned
director
2017-10-13
➖
KIDD, John Christopher Norman resigned
secretary
2017-10-13
➕
VINES, John Paul appointed
secretary
2016-06-30
➖
CARRUTHERS, David resigned
director
2016-02-11
➕
KIDD, John Christopher Norman appointed
director
2016-02-11
➕
PARRY, Susanne Jayne appointed
director
2016-01-07
➕
KIDD, John Christopher Norman appointed
secretary
2016-01-07
➖
LYON, Samuel John resigned
secretary
2015-03-25
➖
KIDD, John Christopher Norman resigned
secretary
2015-03-25
➕
LYON, Samuel John appointed
secretary
2014-10-01
➖
LEVESON, John Mark resigned
director
2014-04-01
➕
DEANS, Michael Grant appointed
director

Showing most recent 50 of 64 events

Owner dependency

48/100

Moderate — manageable with handover

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

FACTORS

-4 active directors: Broader management team in place — suggests transferable governance.
+Senior director age: Director aged approximately 58 — approaching natural succession window.

Succession & seller-readiness

53/100

Moderate signal

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

SIGNALS

secondaryFounder aged 58+: Senior director is approximately 58. Early succession window.
secondary12+ year tenure: Director in role 12 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.)

Group structure

Cumberland Holdings Limited is the ultimate parent — holding 75%+ shares. This company sits inside their group.

🏛️

Cumberland Holdings Limited

Corporate parent · holds 75-100% shares

ultimate parent

⬇

BORDERWAY FINANCE LIMITED

This company · 03048466

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
Cumberland Holdings Limited Corporate entity	75–100%	—	75-100% 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.

See pricing →

Similar companies

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ARC EDEN LIMITED→ 05299049 · est 2004 · no financials extracted	—	—	—	—	21y	—	—
ARMSTRONG WATSON FINANCIAL PLANNING LTD→ 07208672 · est 2010 · no financials extracted	—	—	—	—	16y	—	—
BARTON PHILLIPS LIMITED→ 08261805 · est 2012 · no financials extracted	—	—	—	—	13y	—	—
BHARADWAJ LIMITED→ 10419523 · est 2016 · no financials extracted	—	—	—	—	9y	—	—
BLACK ROBIN CAPITAL LIMITED→ 15592648 · est 2024 · no financials extracted	—	—	—	—	2y	—	—
BORDER INVESTMENTS LTD→ 08620548 · est 2013 · no financials extracted	—	—	—	—	12y	—	—
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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.

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Company details

Statusactive

Typeltd

Incorporated1995-04-21

Jurisdictionengland-wales

Primary SIC64921 — Credit granting by non-deposit taking finance houses and other specialist consumer credit grantors

Registered office

Cumberland House Cooper Way

Parkhouse

Carlisle

Cumbria

CA3 0JF

Filing status

Accounts

Next due: 2026-12-31

Last made up to: 2025-03-31

Confirmation statement

Next due: 2026-05-05

Last: 2025-04-21