A.L. CUMMING AND SONS LIMITED

💤Zombieactive

SC427077 · ltd · incorporated 2012-06-26

Investment thesis

Zombie company — trading but stalled; unlikely mover.

Why interesting: Quiet, steady; could be a succession or carve-out candidate with the right conversation.

Why risky: No growth signal; thin margin for error on price.

🔒Estimated value

—

Upgrade to see

Turnover

—

year to Jun 2025

Net worth

£297.2k

book net assets

Opportunity

79/100

Strong

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What this business does

Primary activity: Other letting and operating of own or leased real estate

Sector: Real estate

Investor take

Pursue

Property-backed borrower with a 66-year-old founder — textbook succession opportunity.

Opportunity 79/100 (strong), bankability 80/100. Strong seller-intent signal (78/100, director aged 66). Share purchase looks the cleaner deal structure. Biggest value-creation lever: Broaden director team. Sole director creates succession risk and reduces buyer comfort. Appoint a second director or strong #2. Most likely exit: share sale to pe / searcher (73/100).

🏦

Refinance opportunity

3 live charges · oldest 11.3y

45/100

under pressure

Refinance would be pressure-driven, not opportunity-driven. Expect tighter margins and covenant scrutiny.

· Oldest live charge is 11.3 years old — likely at or near maturity.
· Single lender — cleanest path to refinance.
· Distress signals active — lender appetite narrows.

Data confidence

Overall: medium (68/100)

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

Lenders & charges

3 charges (3/3 with lender, 3/3 with type)

Directors & officers

6 officers (1 active, 6 linked, 2 with DOB)

Ownership & PSC

No PSCs filed (unusual — worth investigating)

Director network

Network not yet resolved

Filing history

46 filings on record

Gazette notices

No matching gazette notices (standard for active companies)

🔒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

79/100Strong

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

100

Good data coverage for analysis.

Signals from accounts

Derived from iXBRL accounts · accounting standard not declared

Positive net assets

Net assets £297,228

Cash YoY

+78%

Year on year

Key financials

2 years extracted from filed iXBRL accounts

Cash

£21k

↑ 78% YoY

Net Worth

£297k

↑ 14% YoY

Current Assets

£63k

↑ 13% YoY

Current Liabilities

—

Hover to see exact values · click legend to toggle series

Financials

Extracted from Companies House accounts · accounting standard unknown

Metric	2025-06-30	2024-06-30
Total assets	£297.2k	£261.5k
Current assets	£63.5k	£56.0k
Cash	£20.6k	£11.6k
Debtors	£2.1k	£1.9k
Net assets	£297.2k	£261.5k

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

filings

Last 90 days

filings

Last 180 days

filing

• 1 accounts

Counts from Companies House filing history.

Corporate timeline (34 events)Click to expand

2025-10-28
📄
accounts-with-accounts-type-total-exemption-full
accounts · AA
2024-11-19
📄
accounts-with-accounts-type-total-exemption-full
accounts · AA
2023-11-22
📄
mortgage-satisfy-charge-full
mortgage · MR04
2023-11-22
🔓
Charge satisfied #2
2023-11-10
➖
RAEBURN CHRISTIE CLARK & WALLACE LLP resigned
corporate-secretary
2023-11-10
📄
termination-secretary-company-with-name-termination-date
officers · TM02
2023-10-30
📄
accounts-with-accounts-type-total-exemption-full
accounts · AA
2023-10-17
📄
mortgage-satisfy-charge-full
mortgage · MR04
2023-10-17
🔓
Charge satisfied #3
2022-12-23
📄
accounts-with-accounts-type-total-exemption-full
accounts · AA
2022-02-28
📄
accounts-with-accounts-type-total-exemption-full
accounts · AA
2021-07-01
📄
accounts-with-accounts-type-total-exemption-full
accounts · AA
2020-02-12
📄
accounts-with-accounts-type-total-exemption-full
accounts · AA
2019-08-01
➕
RAEBURN CHRISTIE CLARK & WALLACE LLP appointed
corporate-secretary
2019-08-01
📄
appoint-corporate-secretary-company-with-name-date
officers · AP04
2019-08-01
📄
termination-secretary-company-with-name-termination-date
officers · TM02
2019-07-31
➖
RAEBURN CHRISTIE CLARK & WALLACE resigned
corporate-secretary
2019-03-26
📄
accounts-with-accounts-type-total-exemption-full
accounts · AA
2018-11-21
📄
appoint-corporate-secretary-company-with-name-date
officers · AP04
2018-11-21
📄
termination-secretary-company-with-name-termination-date
officers · TM02
2018-11-13
➕
RAEBURN CHRISTIE CLARK & WALLACE appointed
corporate-secretary
2018-11-13
➖
STEWART AND WATSON resigned
corporate-secretary
2018-11-13
📄
notification-of-a-person-with-significant-control-statement
persons-with-significant-control · PSC08
2018-03-13
📄
accounts-with-accounts-type-total-exemption-full
accounts · AA
2016-07-22
🔒
Charge registered #3
Lender: Bank of Scotland PLC
2015-02-14
🔒
Charge registered #2
Lender: Bank of Scotland PLC
2015-01-15
🔒
Charge registered #1
Lender: Bank of Scotland PLC
2012-06-26
🏢
Company incorporated
As A.L. CUMMING AND SONS LIMITED
2012-06-26
➕
CUMMING, Albert Sievewright appointed
director
2012-06-26
➕
BRIAN REID LTD. appointed
corporate-secretary
2012-06-26
➖
BRIAN REID LTD. resigned
corporate-secretary
2012-06-26
➕
STEWART AND WATSON appointed
corporate-secretary
2012-06-26
➕
MABBOTT, Stephen George appointed
director
2012-06-26
➖
MABBOTT, Stephen George resigned
director

Owner dependency

100/100

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

+Sole director: Only one active director — all governance concentrated on one person.
+Founder name in company name: Company name contains director surname "CUMMING" — strong identity link between founder and business.
+Founder age: Director aged approximately 66 — succession pressure is live.

Succession & seller-readiness

78/100

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 66. Approaching typical UK retirement age — succession thinking likely.
primarySole active director: Only one director in control. No visible successor — buyers solve the succession problem.
secondary12+ year tenure: Director in role 14 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.)

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A J SMITH PROPERTIES LTD→ SC527788 · est 2016 · no financials extracted	—	—	—	—	10y	—	—
A PLUS BUSINESS CONSULTANTS AND ADVISORS LTD.→ SC631063 · est 2019 · no financials extracted	—	—	—	—	6y	—	—
A PLUS PROPERTY DEVELOPMENT LTD.→ SC722440 · est 2022 · no financials extracted	—	—	—	—	4y	—	—
A.M. DAVIDSON LIMITED→ SC222926 · est 2001 · no financials extracted	—	—	—	—	24y	—	—
A&T GLOBAL PROPERTY LTD→ SC784728 · est 2023 · no financials extracted	—	—	—	—	2y	—	—
ALBA ESTATES LIMITED→ SC255513 · est 2003 · no financials extracted	—	—	—	—	22y	—	—
AMD PROPERTY (ABERDEEN) LIMITED→ SC420264 · est 2012 · no financials extracted	—	—	—	—	14y	—	—
ANVIL ESTATES LIMITED→ SC255514 · est 2003 · no financials extracted	—	—	—	—	22y	—	—
AODENTZ LTD→ SC854565 · est 2025 · no financials extracted	—	—	—	—	—	—	—
ARASAIN LTD→ SC679090 · est 2020 · no financials extracted	—	—	—	—	5y	—	—
ARCHER BRAE PROPERTY LTD→ SC877575 · est 2026 · no financials extracted	—	—	—	—	—	—	—
ARCHONTES PROPERTY LIMITED→ SC713476 · est 2021 · no financials extracted	—	—	—	—	4y	—	—

Peers ranked by estimated value, then turnover, then opportunity score.See all →

🔒Tailored diligence questions

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 →

🔒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

Incorporated2012-06-26

Jurisdictionscotland

Primary SIC68209 — Other letting and operating of own or leased real estate

Registered office

Loral Knowehead Of Cook

New Byth

Turriff

Aberdeenshire

AB53 5UA

Filing status

Accounts

Next due: 2027-03-31

Last made up to: 2025-06-30

Confirmation statement

Next due: 2026-07-10

Last: 2025-06-26

Officers (1 active · 5 resigned)

CUMMING, Albert Sievewright→

director · ~66y · appointed 2012-06-26

View their other companies + combined net worth →

Active

BRIAN REID LTD.→

corporate-secretary · appointed 2012-06-26 · resigned 2012-06-26

Resigned

RAEBURN CHRISTIE CLARK & WALLACE→

corporate-secretary · appointed 2018-11-13 · resigned 2019-07-31

Resigned

RAEBURN CHRISTIE CLARK & WALLACE LLP→

corporate-secretary · appointed 2019-08-01 · resigned 2023-11-10

Resigned

STEWART AND WATSON→

corporate-secretary · appointed 2012-06-26 · resigned 2018-11-13

Resigned

MABBOTT, Stephen George→

director · ~76y · appointed 2012-06-26 · resigned 2012-06-26

Resigned

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

Mortgages & charges

Total charges

Outstanding

Active lenders

Status:Lender:3 of 3 shown

		Type	Properties
satisfied	Lloyds Banking Group Bank of Scotland PLC	A registered charge	1 property	22/07/2016	17/10/2023
satisfied	Lloyds Banking Group Bank of Scotland PLC	A registered charge	1 property	14/02/2015	22/11/2023
outstanding	Lloyds Banking Group Bank of Scotland PLC	A registered charge	—	15/01/2015	—

Click column headers to sort. Use filters above to narrow by status and lender.

Recent filings (46 total)

accounts-with-accounts-type-total-exemption-full

accounts · AA

2025-10-28

confirmation-statement-with-no-updates

confirmation-statement · CS01

2025-06-26

accounts-with-accounts-type-total-exemption-full

accounts · AA

2024-11-19

confirmation-statement-with-no-updates

confirmation-statement · CS01

2024-07-01

mortgage-satisfy-charge-full

mortgage · MR04

2023-11-22

termination-secretary-company-with-name-termination-date

officers · TM02

2023-11-10

accounts-with-accounts-type-total-exemption-full

accounts · AA

2023-10-30

mortgage-satisfy-charge-full

mortgage · MR04

2023-10-17

confirmation-statement-with-updates

confirmation-statement · CS01

2023-07-06

accounts-with-accounts-type-total-exemption-full

accounts · AA

2022-12-23

confirmation-statement-with-updates

confirmation-statement · CS01

2022-06-29

accounts-with-accounts-type-total-exemption-full

accounts · AA

2022-02-28

confirmation-statement-with-updates

confirmation-statement · CS01

2021-07-02

accounts-with-accounts-type-total-exemption-full

accounts · AA

2021-07-01

confirmation-statement-with-updates

confirmation-statement · CS01

2020-07-06