cumbrae limited
cumbrae limited Company Information
Company Number
03311996
Next Accounts
Sep 2025
Shareholders
camilla charlotte mackenzie breton
james edward mackenzie breton
View AllGroup Structure
View All
Industry
Letting and operating of own or leased real estate (other than Housing Association real estate and conference and exhibition services) n.e.c.
Registered Address
mill bottom sheepdrove, lambourn, hungerford, berkshire, RG17 7UN
Website
cumbraesupply.co.ukcumbrae limited Estimated Valuation
Pomanda estimates the enterprise value of CUMBRAE LIMITED at £1.7m based on a Turnover of £607.1k and 2.78x industry multiple (adjusted for size and gross margin).
cumbrae limited Estimated Valuation
Pomanda estimates the enterprise value of CUMBRAE LIMITED at £1.3m based on an EBITDA of £233.7k and a 5.44x industry multiple (adjusted for size and gross margin).
cumbrae limited Estimated Valuation
Pomanda estimates the enterprise value of CUMBRAE LIMITED at £4.7m based on Net Assets of £2.7m and 1.75x industry multiple (adjusted for liquidity).
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Cumbrae Limited Overview
Cumbrae Limited is a live company located in hungerford, RG17 7UN with a Companies House number of 03311996. It operates in the other letting and operating of own or leased real estate sector, SIC Code 68209. Founded in February 1997, it's largest shareholder is camilla charlotte mackenzie breton with a 33.3% stake. Cumbrae Limited is a mature, small sized company, Pomanda has estimated its turnover at £607.1k with high growth in recent years.
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Cumbrae Limited Health Check
Pomanda's financial health check has awarded Cumbrae Limited a 3 rating. We use a traffic light system to show it exceeds the industry average on 2 measures and has 5 areas for improvement. Company Health Check FAQs
2 Strong
3 Regular
5 Weak
Size
annual sales of £607.1k, make it smaller than the average company (£1.1m)
£607.1k - Cumbrae Limited
£1.1m - Industry AVG
Growth
3 year (CAGR) sales growth of 28%, show it is growing at a faster rate (3.6%)
- Cumbrae Limited
3.6% - Industry AVG
Production
with a gross margin of 46.6%, this company has a higher cost of product (70.8%)
46.6% - Cumbrae Limited
70.8% - Industry AVG
Profitability
an operating margin of 38.4% make it more profitable than the average company (21.5%)
38.4% - Cumbrae Limited
21.5% - Industry AVG
Employees
with 3 employees, this is below the industry average (4)
- Cumbrae Limited
4 - Industry AVG
Pay Structure
on an average salary of £33.1k, the company has an equivalent pay structure (£33.1k)
- Cumbrae Limited
£33.1k - Industry AVG
Efficiency
resulting in sales per employee of £202.4k, this is equally as efficient (£202.5k)
- Cumbrae Limited
£202.5k - Industry AVG
Debtor Days
There is insufficient data available for this Key Performance Indicator!
- - Cumbrae Limited
- - Industry AVG
Creditor Days
its suppliers are paid after 0 days, this is quicker than average (34 days)
0 days - Cumbrae Limited
34 days - Industry AVG
Stock Days
There is insufficient data available for this Key Performance Indicator!
- - Cumbrae Limited
- - Industry AVG
Cash Balance
has cash to cover current liabilities for 2 weeks, this is less cash available to meet short term requirements (10 weeks)
2 weeks - Cumbrae Limited
10 weeks - Industry AVG
Debt Level
it has a ratio of liabilities to total assets of 67.3%, this is a similar level of debt than the average (71.5%)
67.3% - Cumbrae Limited
71.5% - Industry AVG
CUMBRAE LIMITED financials
Cumbrae Limited's latest turnover from December 2023 is £607.1 thousand and the company has net assets of £2.7 million. According to their latest financial statements, we estimate that Cumbrae Limited has 3 employees and maintains cash reserves of £63.2 thousand as reported in the balance sheet.
Data source: Companies House, Pomanda Estimates
| Dec 2023 | Dec 2022 | Dec 2021 | Dec 2020 | Dec 2019 | Dec 2018 | Dec 2017 | Dec 2016 | Dec 2015 | Dec 2014 | Dec 2013 | Dec 2012 | Dec 2011 | Dec 2010 | Dec 2009 | |
|---|---|---|---|---|---|---|---|---|---|---|---|---|---|---|---|
| Turnover | 607,112 | 515,969 | 340,145 | 335,197 | |||||||||||
| Other Income Or Grants | |||||||||||||||
| Cost Of Sales | 324,031 | 406,530 | 213,798 | 190,115 | |||||||||||
| Gross Profit | 283,081 | 109,439 | 126,347 | 145,082 | |||||||||||
| Admin Expenses | 50,202 | 64,013 | 15,207 | 11,140 | |||||||||||
| Operating Profit | 232,879 | 45,426 | 111,140 | 133,942 | |||||||||||
| Interest Payable | 131,530 | 116,361 | 71,367 | 74,258 | |||||||||||
| Interest Receivable | 16 | 47 | |||||||||||||
| Pre-Tax Profit | 101,349 | -70,935 | 39,789 | 59,731 | |||||||||||
| Tax | -10,061 | -7,304 | |||||||||||||
| Profit After Tax | 101,349 | -70,935 | 29,728 | 52,427 | |||||||||||
| Dividends Paid | |||||||||||||||
| Retained Profit | 101,349 | -70,935 | 29,728 | 52,427 | |||||||||||
| Employee Costs | |||||||||||||||
| Number Of Employees | |||||||||||||||
| EBITDA* | 233,718 | 46,670 | 111,324 | 134,187 |
* Earnings Before Interest, Tax, Depreciation and Amortisation
| Dec 2023 | Dec 2022 | Dec 2021 | Dec 2020 | Dec 2019 | Dec 2018 | Dec 2017 | Dec 2016 | Dec 2015 | Dec 2014 | Dec 2013 | Dec 2012 | Dec 2011 | Dec 2010 | Dec 2009 | |
|---|---|---|---|---|---|---|---|---|---|---|---|---|---|---|---|
| Tangible Assets | 2,515 | 3,354 | 2,078 | 172 | 229 | 310 | 413 | 551 | 735 | 980 | 1,307 | 1,744 | 1,056 | 1,408 | 1,876 |
| Intangible Assets | |||||||||||||||
| Investments & Other | 8,112,285 | 8,240,930 | 4,774,004 | 4,684,930 | 4,779,246 | 4,557,880 | 4,524,810 | 4,419,493 | 4,419,493 | 4,017,594 | 2,525,988 | 2,525,988 | 2,207,500 | 1,829,824 | 1,829,824 |
| Debtors (Due After 1 year) | |||||||||||||||
| Total Fixed Assets | 8,114,800 | 8,244,284 | 4,776,082 | 4,685,102 | 4,779,475 | 4,558,190 | 4,525,223 | 4,420,044 | 4,420,228 | 4,018,574 | 2,527,295 | 2,527,732 | 2,208,556 | 1,831,232 | 1,831,700 |
| Stock & work in progress | |||||||||||||||
| Trade Debtors | 21,965 | 23,936 | 19,671 | 19,671 | 19,831 | 20,160 | 103,577 | 26,816 | 20,000 | 20,000 | |||||
| Group Debtors | |||||||||||||||
| Misc Debtors | 67,261 | 22,093 | 20,000 | 20,000 | 20,000 | ||||||||||
| Cash | 63,152 | 57,871 | 13,013 | 11,296 | 15,391 | 13,895 | 17,379 | 120,369 | 101,108 | 29,948 | |||||
| misc current assets | |||||||||||||||
| total current assets | 130,413 | 79,964 | 34,978 | 23,936 | 20,000 | 31,296 | 35,391 | 19,671 | 33,566 | 19,831 | 37,539 | 103,577 | 147,185 | 121,108 | 49,948 |
| total assets | 8,245,213 | 8,324,248 | 4,811,060 | 4,709,038 | 4,799,475 | 4,589,486 | 4,560,614 | 4,439,715 | 4,453,794 | 4,038,405 | 2,564,834 | 2,631,309 | 2,355,741 | 1,952,340 | 1,881,648 |
| Bank overdraft | 630 | ||||||||||||||
| Bank loan | |||||||||||||||
| Trade Creditors | 197 | 10,731 | 100,825 | 110,007 | 486,689 | 500,421 | 524,359 | 1,858 | 33,647 | 19,721 | 66,553 | 66,553 | |||
| Group/Directors Accounts | |||||||||||||||
| other short term finances | |||||||||||||||
| hp & lease commitments | |||||||||||||||
| other current liabilities | 1,227,888 | 1,211,013 | 89,928 | 99,671 | 68,097 | ||||||||||
| total current liabilities | 1,228,085 | 1,221,744 | 100,825 | 110,007 | 90,558 | 99,671 | 68,097 | 486,689 | 500,421 | 524,359 | 1,858 | 33,647 | 19,721 | 66,553 | 66,553 |
| loans | 3,504,000 | 3,504,000 | 2,220,000 | 2,005,000 | 2,049,000 | 2,044,000 | 2,049,000 | 1,240,000 | 868,921 | 850,000 | |||||
| hp & lease commitments | |||||||||||||||
| Accruals and Deferred Income | |||||||||||||||
| other liabilities | 1,625,000 | 1,645,000 | 1,665,000 | 1,220,000 | 850,000 | ||||||||||
| provisions | 817,820 | 850,904 | 458,216 | 458,216 | 480,113 | 438,053 | 438,053 | 417,948 | |||||||
| total long term liabilities | 4,321,820 | 4,354,904 | 2,678,216 | 2,463,216 | 2,529,113 | 2,482,053 | 2,487,053 | 2,042,948 | 1,645,000 | 1,665,000 | 1,220,000 | 1,240,000 | 868,921 | 850,000 | 850,000 |
| total liabilities | 5,549,905 | 5,576,648 | 2,779,041 | 2,573,223 | 2,619,671 | 2,581,724 | 2,555,150 | 2,529,637 | 2,145,421 | 2,189,359 | 1,221,858 | 1,273,647 | 888,642 | 916,553 | 916,553 |
| net assets | 2,695,308 | 2,747,600 | 2,032,019 | 2,135,815 | 2,179,804 | 2,007,762 | 2,005,464 | 1,910,078 | 2,308,373 | 1,849,046 | 1,342,976 | 1,357,662 | 1,467,099 | 1,035,787 | 965,095 |
| total shareholders funds | 2,695,308 | 2,747,600 | 2,032,019 | 2,135,815 | 2,179,804 | 2,007,762 | 2,005,464 | 1,910,078 | 2,308,373 | 1,849,046 | 1,342,976 | 1,357,662 | 1,467,099 | 1,035,787 | 965,095 |
| Dec 2023 | Dec 2022 | Dec 2021 | Dec 2020 | Dec 2019 | Dec 2018 | Dec 2017 | Dec 2016 | Dec 2015 | Dec 2014 | Dec 2013 | Dec 2012 | Dec 2011 | Dec 2010 | Dec 2009 | |
|---|---|---|---|---|---|---|---|---|---|---|---|---|---|---|---|
| Operating Activities | |||||||||||||||
| Operating Profit | 232,879 | 45,426 | 111,140 | 133,942 | |||||||||||
| Depreciation | 839 | 1,244 | 694 | 57 | 81 | 103 | 138 | 184 | 245 | 327 | 579 | 352 | 468 | 625 | |
| Amortisation | |||||||||||||||
| Tax | -10,061 | -7,304 | |||||||||||||
| Stock | |||||||||||||||
| Debtors | 45,168 | 128 | -1,971 | 3,936 | 329 | -160 | -329 | -83,417 | 76,761 | 6,816 | 20,000 | ||||
| Creditors | -10,534 | -90,094 | -9,182 | 110,007 | -486,689 | -13,732 | -23,938 | 522,501 | -31,789 | 13,926 | -46,832 | 66,553 | |||
| Accruals and Deferred Income | 16,875 | 1,211,013 | -89,928 | -9,743 | 31,574 | 68,097 | |||||||||
| Deferred Taxes & Provisions | -33,084 | 392,688 | -21,897 | 42,060 | 20,105 | 417,948 | |||||||||
| Cash flow from operations | 161,807 | 1,560,149 | 505,479 | 103,105 | |||||||||||
| Investing Activities | |||||||||||||||
| capital expenditure | |||||||||||||||
| Change in Investments | -128,645 | 3,466,926 | 89,074 | -94,316 | 221,366 | 33,070 | 105,317 | 401,899 | 1,491,606 | 318,488 | 377,676 | 1,829,824 | |||
| cash flow from investments | |||||||||||||||
| Financing Activities | |||||||||||||||
| Bank loans | |||||||||||||||
| Group/Directors Accounts | |||||||||||||||
| Other Short Term Loans | |||||||||||||||
| Long term loans | 1,284,000 | 215,000 | -44,000 | 5,000 | -5,000 | 2,049,000 | -1,240,000 | 371,079 | 868,921 | -850,000 | 850,000 | ||||
| Hire Purchase and Lease Commitments | |||||||||||||||
| other long term liabilities | -1,625,000 | -20,000 | -20,000 | 445,000 | 1,220,000 | -850,000 | 850,000 | ||||||||
| share issue | |||||||||||||||
| interest | -131,530 | -116,361 | -71,351 | -74,211 | |||||||||||
| cash flow from financing | -285,171 | 1,954,155 | -519,374 | 312,689 | |||||||||||
| cash and cash equivalents | |||||||||||||||
| cash | 5,281 | 44,858 | 13,013 | -11,296 | -4,095 | 15,391 | -13,895 | 13,895 | -17,379 | 17,379 | -120,369 | 19,261 | 71,160 | 29,948 | |
| overdraft | -630 | 630 | |||||||||||||
| change in cash | 5,281 | 44,858 | 13,013 | 630 | -11,926 | -4,095 | 15,391 | -13,895 | 13,895 | -17,379 | 17,379 | -120,369 | 19,261 | 71,160 | 29,948 |
cumbrae limited Credit Report and Business Information
Cumbrae Limited Competitor Analysis
Perform a competitor analysis for cumbrae limited by selecting its closest rivals, whether from the REAL ESTATE ACTIVITIES sector, other small companies, companies in RG17 area or any other competitors across 12 key performance metrics.
cumbrae limited Ownership
CUMBRAE LIMITED group structure
Cumbrae Limited has no subsidiary companies.
Ultimate parent company
CUMBRAE LIMITED
03311996
cumbrae limited directors
Cumbrae Limited currently has 4 directors. The longest serving directors include Mr Angus Breton (Feb 1997) and Ms Camilla Breton (May 2024).
| officer | country | age | start | end | role |
|---|---|---|---|---|---|
| Mr Angus Breton | 65 years | Feb 1997 | - | Director | |
| Ms Camilla Breton | England | 35 years | May 2024 | - | Director |
| Mr James Breton | England | 38 years | May 2024 | - | Director |
| Ms Alexandra Breton | England | 34 years | May 2024 | - | Director |
P&L
December 2023turnover
607.1k
+18%
operating profit
232.9k
+413%
gross margin
46.7%
+119.83%
turnover
Turnover, or revenue, is the amount of sales generated by a company within the financial year.
Balance Sheet
December 2023net assets
2.7m
-0.02%
total assets
8.2m
-0.01%
cash
63.2k
+0.09%
net assets
Total assets minus all liabilities
cumbrae limited company details
company number
03311996
Type
Private limited with Share Capital
industry
68209 - Letting and operating of own or leased real estate (other than Housing Association real estate and conference and exhibition services) n.e.c.
incorporation date
February 1997
age
28
incorporated
UK
ultimate parent company
accounts
Total Exemption Full
last accounts submitted
December 2023
previous names
N/A
accountant
-
auditor
-
address
mill bottom sheepdrove, lambourn, hungerford, berkshire, RG17 7UN
Bank
NATIONAL WESTMINSTER BANK PLC
Legal Advisor
-
cumbrae limited Charges & Mortgages
A charge, or mortgage, refers to the rights a company gives to a lender in return for a loan, often in the form of security given over business assets.
We found 33 charges/mortgages relating to cumbrae limited. Currently there are 30 open charges and 3 have been satisfied in the past.
cumbrae limited Capital Raised & Share Issues BETA
When a company issues new shares, e.g. to new investors following a funding round, it is required to notify Companies House within one month of making an allotment of shares.
Click to start generating capital raising & share issue transactions for CUMBRAE LIMITED. This can take several minutes, an email will notify you when this has completed.
cumbrae limited Companies House Filings - See Documents
| date | description | view/download |
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