Company Overview
Cumbria Chamber Of Commerce And Industry is listed at the official companies registry as Active Private Limited Company By Guarantee Without Share Capital, Use Of 'Limited' Exemption. The company was incorporated on Friday 04 May 2001, so this is a well established company. Cumbria Chamber Of Commerce And Industry has been in business for 24 years and 10 months. The accounts status is total exemption full and the accounts are next due on Thursday 31 December 2026.
Registered Address

Broadacre House, 16-20 Lowther Street, Carlisle, CA3 8DA
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Companies House Data
Company NameCUMBRIA CHAMBER OF COMMERCE AND INDUSTRY
Company Number04211364
Registered Office AddressBroadacre House
 16-20 Lowther Street
 CA3 8DA
Company CategoryPrivate Limited Company By Guarantee Without Share Capital, Use Of 'Limited' Exemption
Company StatusActive
Country of OriginUnited Kingdom
Incorporation Date04/05/2001
Accounting Reference Date Day31
Accounting Reference Date Month3
Accounts Next Due Date31/12/2026
Accounts Last Made Up Date31/03/2025
Accounts Account CategoryTOTAL EXEMPTION FULL
Returns Next Due Date01/06/2017
Returns Last Made Up Date04/05/2016
Directors & Members
Show Resigned
Suzanne Caldwell - Director
(British, 63 years old, born August 1963)
Appointed 06 September 2011
 Active
Cheryl Corson - Director
(British, 43 years old, born August 1983)
Appointed 18 October 2023
 Active
Roger Cowton - Director
(British, 57 years old, born July 1969)
Appointed 29 October 2025
 Active
Mark Ebdon - Director
(British, 58 years old, born April 1968)
Appointed 13 May 2025
 Active
Barry Leahey - Director
(British, 52 years old, born September 1974)
Appointed 02 July 2021
 Active
John O'keeffe - Director
(British, 63 years old, born December 1963)
Appointed 23 November 2017
 Active
Anand Puthran - Director
(British, 50 years old, born August 1976)
Appointed 07 July 2021
 Active
Richard Rankin - Director
(British, 53 years old, born June 1973)
Appointed 03 June 2025
 Active
Secretaries
Show Resigned
Other Company Directorships
Suzanne Caldwell
CARLISLE CATHEDRAL ENTERPRISES LIMITED
CHAMBERLINK LIMITED
CUMBRIA CRICKET LIMITED
MADE IN CUMBRIA LIMITED
Cheryl Corson
SCOTT DUFF & CO LIMITED
SCOTT DUFF AND CO HOLDINGS LTD
Roger Cowton
No companies found
Mark Ebdon
No companies found
Barry Leahey
G C CROASDALE LIMITED
PLAYDALE PLAYGROUNDS LIMITED
John O'keeffe
CUMBRIA TV LIMITED
FURNESS INTERNET LIMITED
FURNESS MEDIA LIMITED
FURNESS.IO LIMITED
GMET I.T. LIMITED
ICONTROL SYSTEMS LIMITED
NIXOR SOLUTIONS LIMITED
ROA ISLAND BOATING CLUB LIMITED
Anand Puthran
C2CEX LIMITED
MCMENON VENTURES LIMITED
Richard Rankin
A & D PRINTERS LIMITED
H & H INSURANCE BROKERS LIMITED
H&H BORDERWAY LIMITED
H&H FINANCE LIMITED
H&H GROUP PLC
H&H LAND & ESTATES LIMITED
HARRISON & HETHERINGTON (SCOTLAND) LIMITED
HARRISON & HETHERINGTON LIMITED
JOHN SWAN & SONS LIMITED
JOHN SWAN LIMITED
JOHN SWAN TRUSTEE LIMITED
REEDS (CUMBRIA) LTD
SCOTTISH TRIATHLON ASSOCIATION LIMITED
Balance Sheet Unlock full report
Accounts Date 31-Mar-2025 31-Mar-2021 31-Mar-2020
Balance Sheet
Fixed Assets 76,704 76,704 70,148
Current Assets 1,661,207 1,661,207 1,935,090
Creditors Due Within One Year 613,750 613,750 758,544
Working Cap 1,047,457 1,047,457 1,176,546
Total Assets Less Current Liabilities 1,124,161 1,124,161 1,246,694
Long-term Liabilities 6,702 6,702 6,702
Net Assets 1,117,459 1,117,459 1,239,992
Share Capital & Reserves
Share Cap - - -
Profit & Loss Reserves - - -
Other Reserves - - -
Shareholders Funds 1,117,459 1,117,459 1,239,992
Common Size Financial Analysis Unlock full report
Accounts Date 31-Mar-2025 31-Mar-2021 31-Mar-2020
Tangible Fixed Assets - - -
Fixed Assets 4.4% 4.4% 3.5%
Stocks Inventory - - -
Debtors 56.9% 56.9% 51.3%
Cash Bank In Hand 38.7% 38.7% 45.2%
Current Assets 95.6% 95.6% 96.5%
Creditors Due Within One Year 35.3% 35.3% 37.8%
Net Current Assets Liabilities 60.3% 60.3% 58.7%
Creditors Due After One Year - - -
Accruals Deferred Income - - -
Provisions For Liabilities Charges - - -
Net Assets Liabilities Including Pension Asset Liability - - -
Called Up Share Capital - - -
Share Capital Allotted Called Up Paid - - -
Profit Loss Account Reserve - - -
Shareholder Funds 64.3% 64.3% 61.8%
Capital Employed - - -
Total Assets Less Current Liabilities 64.7% 64.7% 62.2%
Financial Ratio Analysis Unlock full report
Accounts Date 31-Mar-2025 31-Mar-2021 31-Mar-2020
Liquidity Ratio 2.7 2.7 2.6
Solvency Ratio 2.8 2.8 2.6
Reserves to Assets - - -
Secured Creditors Unlock full report
Mortgages Charges 0
Mortgages Outstanding 0
Mortgages Part Satisfied 0
Mortgages Satisfied 0
Assets and Debt Analysis Unlock full report
Accounts Date 31-Mar-2025 31-Mar-2021 31-Mar-2020
Assets 1,737,911 1,737,911 2,005,238
Debt 620,452 620,452 765,246
Net Assets/Debt 1,117,459 1,117,459 1,239,992

The following is based on the accounts data presented in this report sourced from Companies House, however the company has filed later accounts. Our analysis of the latest account can be viewed by unlocking our full report.

The company balance sheet displays a comfortable surplus of working capital. We would normally view this positively. Total reserves including retained profitability and movement in reserves has some deficiency. For the size of the company inferred by the balance sheet the level of net assets suggests a comfortable level of cover for total debts and obligations.

Unlock full report  The following is based on the accounts data presented in this report sourced from Companies House, however the company has filed later accounts. Our analysis of the latest account can be viewed by unlocking our full report.The company balance sheet displays a comfortable surplus of working capital. We would normally view this positively. Total reserves including retained profitability and movement in reserves has some deficiency. For the size of the company inferred by the balance sheet the level of net assets suggests a comfortable level of cover for total debts and obligations.   The following is based on the accounts data presented in this report sourced from Companies House, however the company has filed later accounts. Our analysis of the latest account can be viewed by unlocking our full report.The company balance sheet displays a comfortable surplus of working capital. We would normally view this positively. Total reserves including retained profitability and movement in reserves has some deficiency. For the size of the company inferred by the balance sheet the level of net assets suggests a comfortable level of cover for total debts and obligations.

This review of public record balance sheet and company status information is presented under the terms of Open Government Licence and is for informational purposes only, is general in nature, and is not intended as an opinion or advice for any specific circumstances. The commentary and the colour band score is not a credit rating or credit risk assessment.

This review does not constitute a full credit rating or credit risk assessment based on the full analysis and credit score algorithms used in our credit reports. A full credit report may also provide information relating to trade payment history and county court or court judgments if any.

Public Record Information Unlock full report
Exact Court Judgements
Period of Months Last 12m 13-24m 25-36m 37-48m 49-60m 61-72m
Number of Exact CCJS X Y Y X X Y
Value of Exact CCJS YXY YK S S X KX
Supplier Credit Limits Unlock full report
Date Sector Notified Amount Terms
XK-SXY XKXYXK SXSKXYXK £X,000 XS XYSKS
SK-SYY SKXYXKYKKY KSXX KKXXYXS £YY,000 YS XYSKS SK YXXSXS
YK-SXY XKXYXYYK SXSXYXK £SX,000 XS XYSKS
Payment Records Unlock full report
Payment Records from it's suppliers' company ledger show how a company is paying its suppliers

Payment Analysis

Total Invoices Paid Before
30 days due		 Paid After
30 days due		 Owing Before
30 days due		 Owing after
30 days due
XYX SX K YX X
Company Valuation Analysis Unlock full report

Going Concern Valuation

The going concern valuations value the company on the basis that it continues to trade without the threat of liquidation for the foreseeable future. These valuations are primarily profit and cashflow based.

Valuations Valuation Measures
Estimated High Value £XSI,000 Retained Profit £YX,000
Estimated Mid Value £YY,000 EBIT £SY,000
Estimated Low Value £X,000 EBITDA £SSX,000

Liquidation Valuation

The liquidaton valuation values the company as if it were to cease trading and assets were subject to rapid disposal to cover liabilities. This valuation is primarily asset based.

Valuations Valuation Measures
Estimated High Value £XY,000 Total Assets £XIX,000
Estimated Mid Value £Y,000 Net Assets £YX,000
Estimated Low Value £S,000 Tangible Equity £SX,000

The above valuations are based on our own algorithms and take no account of many factors that can influence actual valuations realized and should not therefore be assumed to be accurate.
Credit Status Checklist Unlock full report
Business Growth Please purchase a report to see true comments
EBITDA Purchase a report to see true comments
Dividends Please purchase a report to see true comments about this company
Retained Profits Retained Profits for this company
Debt Interest Debt Interest for this company
Cash Flow Cash Flow for this company
CCJs CCJs for this company
Age of Company Age of Company for this company
Solvency Solvency for this company
Secured Creditors Secured Creditors for this company
Ownership Ownership for this company


First Report Score: (0-10) X
Financial Status Guide:
10 Very Strong
9 Strong
8 Very Good
7 Good
6 Above Average
5 Average
4 Below Average
3 Poor
2 Weak
1 Very Weak
0 Critical

Risk Score Trend

Risk Rating Unlock full report

This is the credit risk assessment used by one of the top UK credit reference agencies.

Risk Score (1-100) X
Risk Band Description XXMXMXMX SISX
Risk Assessment Meeting of Creditors
Credit Rating XSKX
Altman Z Score Credit Risk Rating Unlock full report

There have been many bankruptcy predictors developed, however none has been so thoroughly tested and broadly accepted as the Altman Z-Score.

Z Score X
Risk Band XY
Risk Band Description The Z Score is not used for small companies where full accounts are not filed because profit and loss account items are required to calculate the score.

Z Score Bands

1 Low Risk 3.00 and above
2 Caution 2.63 - 2.99
3 Risk of Failure within 2 years 1.24 - 2.62
4 High Probability Failure Below 1.24
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WALTON GOODLAND LIMITED
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Document Filings
Appointment of Mr Roger Michael Cowton as a director on 29 October 2025
Appointment of Mr Richard Andrew Rankin as a director on 3 June 2025
Confirmation statement made on 3 May 2025 with no updates
Appointment of Mr Mark Ebdon as a director on 13 May 2025
Termination of appointment of Gail Hosie Rajjayabun as a director on 2 November 2024
Appointment of Ms Melanie Thomson as a director on 17 December 2024
Memorandum and Articles of Association
Resolutions
Confirmation statement made on 3 May 2024 with no updates
Appointment of Ms Gail Hosie Rajjayabun as a director on 18 October 2023
Appointment of Mrs Cheryl Teresa Corson as a director on 18 October 2023
Termination of appointment of Andrew Burrell as a director on 21 July 2023
Confirmation statement made on 3 May 2023 with no updates
Confirmation statement made on 3 May 2022 with no updates
Appointment of Mr Anand Balaji Puthran as a director on 7 July 2021
Appointment of Mr Thomas Paul Waterhouse as a director on 7 July 2021
Appointment of Mr Andrew Burrell as a director on 6 July 2021
Appointment of Mr Barry Leahey as a director on 2 July 2021
Termination of appointment of Robert Lowther Johnston as a director on 2 July 2021
Memorandum and Articles of Association
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