CUMMING FARMING LTD
- 01420SIC 01420
- 01450SIC 01450
- 01500SIC 01500
Opportunity 63/100 (worth a look), bankability 65/100. High owner-dependency — earn-out structure likely required for clean transition. Share purchase looks the cleaner deal structure. Biggest value-creation lever: Resolve: Confirmation statement overdue. Annual confirmation statement not filed on time. Required statutory filing — overdue is a strong discipline signal. Most likely exit: share sale to pe / searcher (58/100).
Refinance opportunity
2 live charges · oldest 0.2y
Refinance viable after a tidy-up — address the highlighted items first.
- · Newest facility, 0.2 years old — likely still in initial term.
- · Single lender — cleanest path to refinance.
- · Legal-friction score 15/100 — clean.
Data confidence
Overall: medium (79/100)Adequate coverage. AI outputs are reliable for the sections scored high; verify the rest in diligence.
Mixed signal. Worth opening the full target workup before deciding to pursue.
Signals from accounts
Derived from iXBRL accounts · accounting standard not declaredKey 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 | 2025-03-31 | 2024-03-31 |
|---|---|---|
| Total assets | £374.2k | £48.8k |
| Current assets | £186.8k | £169.0k |
| Cash | £33.5k | £35.8k |
| Debtors | £5.8k | £1.1k |
| Net assets | £67.1k | £48.8k |
Amounts extracted automatically from iXBRL. Fields left blank were not reported or not mapped. Values in GBP unless stated.
2 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
- • 1 mortgage
- • 2 mortgage
- • 1 accounts
- • 2 mortgage
- • 1 accounts
Corporate timeline (11 events)Click to expand
- 2026-04-01📄mortgage-create-with-deed-with-charge-number-charge-creation-datemortgage · MR01
- 2026-03-24🔒Charge registered #2Lender: Oxbury Bank PLC
- 2026-02-23📄accounts-with-accounts-type-total-exemption-fullaccounts · AA
- 2026-02-19📄mortgage-create-with-deed-with-charge-number-charge-creation-datemortgage · MR01
- 2026-02-17🔒Charge registered #1Lender: Oxbury Bank PLC
- 2024-12-10📄accounts-with-accounts-type-total-exemption-fullaccounts · AA
- 2024-03-27📄accounts-with-accounts-type-total-exemption-fullaccounts · AA
- 2022-03-30🏢Company incorporatedAs CUMMING FARMING LTD
- 2022-03-30➕CUMMING, Michael Alan appointeddirector
- 2022-03-30➕CUMMING, Shona Margaret appointeddirector
- 2022-03-30📄incorporation-companyincorporation · NEWINC
Owner dependency
The business appears inseparable from the founder. Acquisition without a serious earn-out or meaningful transition period would likely destroy value.
- +Two-director setup: Only two active directors — typical of owner-managed SMEs but limits succession.
- +Founder name in company name: Company name contains director surname "CUMMING" — strong identity link between founder and business.
- +Family involvement: Multiple officers share a surname — likely family business, which concentrates governance.
Succession & seller-readiness
Limited succession signal. Not a near-term off-market candidate.
- secondaryTwo-director governance: Small-team governance. Succession depth is thin but not absent.
Red flags
1 high ·Annual confirmation statement not filed on time. Required statutory filing — overdue is a strong discipline signal.
Evidence: Next due: 2026-04-12
Shareholders & ownership
2 active beneficial owners| Name | Shares | Voting rights | Nature of control | Notified |
|---|---|---|---|---|
Mr Michael Alan Cumming Individual · British · DOB 04/1975 · age 51 | 25–50% | 25–50% | 25-50% shares · 25-50% voting | 30/03/2022 |
Mrs Shona Margaret Cumming Individual · British · DOB 05/1978 · age 48 | 25–50% | 25–50% | 25-50% shares · 25-50% voting | 30/03/2022 |
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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9 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 | Oxbury Bank Oxbury Bank PLC | A registered charge | — | 24/03/2026 | — | |
| outstanding | Oxbury Bank Oxbury Bank PLC | A registered charge | 2 properties | 17/02/2026 | — |