CUMMISH COMPANY LIMITED

🌳Matureactive
SC192866 · ltd · incorporated 1999-01-27
Investment thesis
Unencumbered property vehicle — clean asset-backed target with refinance headroom.
Why interesting: Property-holding entity with no live charges; straightforward asset-backed case.
Why risky: Values depend on title and valuation; property-specific market exposure.
🔒Estimated value
—
Upgrade to see
Turnover
—
year to Jan 2025
Net worth
£26.6k
book net assets
Opportunity
80/100
Exceptional
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What this business does
Primary activity: Buying and selling of own real estate
Sector: Real estate
Investor take
Pursue
Asset-holding vehicle with a 68-year-old founder — textbook succession opportunity.

Opportunity 80/100 (exceptional), bankability 75/100. Strong seller-intent signal (63/100, director aged 68). Share purchase looks the cleaner deal structure. Most likely exit: share sale to pe / searcher (65/100).

Data confidence

Overall: medium (77/100)

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
Confirmed no charges registered
85
Directors & officers
12 officers (4 active, 12 linked, 9 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
108 filings on record
85
Gazette notices
No matching gazette notices (standard for active companies)
60
🔒Estimated company valuation

Sector-multiple EBITDA, turnover, and NAV-proxy valuation range with confidence tier — derived from extracted iXBRL financials.

Available from the Pro tier upwards.

See pricing →
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
80
Strong succession / seller-readiness signals.
Risk profile
85
Few red flags.
Signal strength
90
Good data coverage for analysis.

Signals from accounts

Derived from iXBRL accounts · accounting standard not declared
Positive net assets
Net assets £26,649
Net assets shrinking
Down £1,217 YoY
Cash YoY
-11%
Year on year

Key financials

2 years extracted from filed iXBRL accounts
Cash
£7k
↓ 11% YoY
Net Worth
£27k
↓ 4.4% YoY
Current Assets
—
Current Liabilities
—
£0£6k£11k£17k£22k£28kJan 2024Jan 2025

Hover to see exact values · click legend to toggle series

Financials

Extracted from Companies House accounts · accounting standard unknown
Metric2025-01-312024-01-31
Total assets£30.9k£32.1k
Current assets—£8.3k
Cash£7.4k£8.3k
Net assets£26.6k£27.9k

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
0
filings
Last 90 days
3
filings
  • • 1 persons-with-significant-control
  • • 1 officers
  • • 1 confirmation-statement
Last 180 days
3
filings
  • • 1 persons-with-significant-control
  • • 1 officers
  • • 1 confirmation-statement
Counts from Companies House filing history.
Corporate timeline (39 events)Click to expand
  1. 2026-01-29
    📄
    change-to-a-person-with-significant-control
    persons-with-significant-control · PSC04
  2. 2026-01-29
    📄
    change-person-director-company-with-change-date
    officers · CH01
  3. 2025-10-20
    📄
    accounts-with-accounts-type-total-exemption-full
    accounts · AA
  4. 2025-01-20
    📄
    change-person-secretary-company-with-change-date
    officers · CH03
  5. 2024-10-16
    📄
    accounts-with-accounts-type-total-exemption-full
    accounts · AA
  6. 2023-10-12
    📄
    accounts-with-accounts-type-total-exemption-full
    accounts · AA
  7. 2022-10-27
    📄
    accounts-with-accounts-type-total-exemption-full
    accounts · AA
  8. 2022-04-07
    📄
    resolution
    resolution · RESOLUTIONS
  9. 2022-04-06
    📄
    accounts-with-accounts-type-total-exemption-full
    accounts · AA
  10. 2022-04-06
    📄
    administrative-restoration-company
    restoration · RT01
  11. 2022-03-22
    📄
    gazette-dissolved-compulsory
    gazette · GAZ2
  12. 2022-01-04
    📄
    gazette-notice-compulsory
    gazette · GAZ1
  13. 2021-09-16
    📄
    notification-of-a-person-with-significant-control
    persons-with-significant-control · PSC01
  14. 2021-09-16
    📄
    notification-of-a-person-with-significant-control
    persons-with-significant-control · PSC01
  15. 2021-09-16
    📄
    notification-of-a-person-with-significant-control
    persons-with-significant-control · PSC01
  16. 2021-08-20
    📄
    cessation-of-a-person-with-significant-control
    persons-with-significant-control · PSC07
  17. 2021-08-20
    📄
    cessation-of-a-person-with-significant-control
    persons-with-significant-control · PSC07
  18. 2020-10-29
    📄
    accounts-with-accounts-type-total-exemption-full
    accounts · AA
  19. 2019-01-29
    ➕
    CUMMING, Andrew Law appointed
    secretary
  20. 2018-01-23
    ➕
    CUMMING, Andrew Law appointed
    director
  21. 2018-01-23
    ➖
    CUMMING, Andrew Law resigned
    director
  22. 2017-12-29
    ➖
    CUMMING, Elizabeth Horne resigned
    secretary
  23. 2017-12-29
    ➖
    CUMMING, Elizabeth Horne resigned
    director
  24. 2017-06-19
    ➕
    CUMMING, Andrew Law appointed
    director
  25. 2017-06-19
    ➖
    CUMMING, Andrew Law resigned
    director
  26. 2017-05-17
    ➖
    CUMMING, Andrew Law Gordon resigned
    director
  27. 2005-12-16
    ➕
    CUMMING, Fraser Gordon appointed
    director
  28. 2005-12-16
    ➖
    CUMMING, Peter James resigned
    director
  29. 1999-02-10
    ➕
    CUMMING, David Alexander appointed
    director
  30. 1999-02-10
    ➕
    CUMMING, Andrew Law appointed
    director
  31. 1999-02-10
    ➕
    CUMMING, Peter James appointed
    director
  32. 1999-02-08
    ➕
    CUMMING, Elizabeth Horne appointed
    secretary
  33. 1999-02-08
    ➖
    REID, Brian resigned
    nominee-secretary
  34. 1999-02-08
    ➕
    CUMMING, Andrew Law Gordon appointed
    director
  35. 1999-02-08
    ➕
    CUMMING, Elizabeth Horne appointed
    director
  36. 1999-02-08
    ➖
    MABBOTT, Stephen resigned
    nominee-director
  37. 1999-01-27
    🏢
    Company incorporated
    As CUMMISH COMPANY LIMITED
  38. 1999-01-27
    ➕
    REID, Brian appointed
    nominee-secretary
  39. 1999-01-27
    ➕
    MABBOTT, Stephen appointed
    nominee-director

Owner dependency

83/100
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
  • +Long-tenure founder: Senior director has been in place 27 years — deep operational knowledge concentrated in one person.
  • +Founder age: Director aged approximately 68 — succession pressure is live.
  • +Family involvement: Multiple officers share a surname — likely family business, which concentrates governance.

Succession & seller-readiness

80/100
Likely off-market candidate

Strong acquirability signals converging. Worth approaching directly — this is how off-market deals start.

SIGNALS
  • primaryFounder aged 63+: Senior director is approximately 68. Approaching typical UK retirement age — succession thinking likely.
  • primary20+ year tenure: Director in role 27 years. Very long tenure is a classic succession signal.
  • secondaryStable-but-static management: Company is 27 years old and no new directors in the last 3 years — succession not yet being planned internally.
  • 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

3 active beneficial owners
NameSharesVoting rightsNature of controlNotified
Mr Andrew Law Cumming
Individual · British · DOB 08/1967 · age 59
25–50%
25–50%25-50% shares · 25-50% voting13/06/2021
Mr David Alexander Cumming
Individual · British · DOB 05/1958 · age 68
25–50%
25–50%25-50% shares · 25-50% voting13/06/2021
Mr Fraser Gordon Cumming
Individual · British · DOB 09/1985 · age 41
25–50%
25–50%25-50% shares · 25-50% voting13/06/2021
2 historic (ceased) PSCs
  • Executors Of Andrew Law Gordon Cummingceased 16/05/2021· 25-50% shares · 25-50% voting
  • Executors Of Elizabeth Horne Cummingceased 16/05/2021· 25-50% shares · 25-50% voting

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

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
Incorporated1999-01-27
Jurisdictionscotland
Primary SIC68100 — Buying and selling of own real estate

Registered office

1-2-Let, 104 Bellgrove Street
Glasgow
G31 1AA
Scotland

Filing status

Accounts
Next due: 2026-10-31
Last made up to: 2025-01-31
Confirmation statement
Next due: 2027-02-02
Last: 2026-01-19

Officers (4 active · 8 resigned)

CUMMING, Andrew Law→
secretary · appointed 2019-01-29
View their other companies + combined net worth →
Active
CUMMING, Andrew Law→
director · ~59y · appointed 2017-06-19
View their other companies + combined net worth →
Active
CUMMING, David Alexander→
director · ~68y · appointed 1999-02-10
View their other companies + combined net worth →
Active
CUMMING, Fraser Gordon→
director · ~41y · appointed 2005-12-16
View their other companies + combined net worth →
Active
CUMMING, Elizabeth Horne→
secretary · appointed 1999-02-08 · resigned 2017-12-29
Resigned
REID, Brian→
nominee-secretary · appointed 1999-01-27 · resigned 1999-02-08
Resigned
CUMMING, Andrew Law→
director · ~59y · appointed 2018-01-23 · resigned 2018-01-23
Resigned
CUMMING, Andrew Law→
director · ~59y · appointed 1999-02-10 · resigned 2017-06-19
Resigned
CUMMING, Andrew Law Gordon→
director · ~96y · appointed 1999-02-08 · resigned 2017-05-17
Resigned
CUMMING, Elizabeth Horne→
director · ~94y · appointed 1999-02-08 · resigned 2017-12-29
Resigned
CUMMING, Peter James→
director · ~72y · appointed 1999-02-10 · resigned 2005-12-16
Resigned
MABBOTT, Stephen→
nominee-director · ~76y · appointed 1999-01-27 · resigned 1999-02-08
Resigned

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

Recent filings (108 total)

change-to-a-person-with-significant-control
persons-with-significant-control · PSC04
2026-01-29
change-person-director-company-with-change-date
officers · CH01
2026-01-29
confirmation-statement-with-updates
confirmation-statement · CS01
2026-01-29
accounts-with-accounts-type-total-exemption-full
accounts · AA
2025-10-20
confirmation-statement-with-updates
confirmation-statement · CS01
2025-01-20
change-person-secretary-company-with-change-date
officers · CH03
2025-01-20
accounts-with-accounts-type-total-exemption-full
accounts · AA
2024-10-16
confirmation-statement-with-updates
confirmation-statement · CS01
2024-01-23
accounts-with-accounts-type-total-exemption-full
accounts · AA
2023-10-12
confirmation-statement-with-updates
confirmation-statement · CS01
2023-01-25
accounts-with-accounts-type-total-exemption-full
accounts · AA
2022-10-27
resolution
resolution · RESOLUTIONS
2022-04-07
accounts-with-accounts-type-total-exemption-full
accounts · AA
2022-04-06
confirmation-statement-with-no-updates
confirmation-statement · CS01
2022-04-06
administrative-restoration-company
restoration · RT01
2022-04-06