CALA HOMES (COTSWOLDS) LIMITED

🌳Matureactive

00682410 · ltd · incorporated 1961-02-02

Investment thesis

Property vehicle with leveraged stack — refinance / partial-release angle.

Why interesting: Asset-backed; value largely in underlying property; lender engagement likely possible.

Why risky: Multiple lenders to manage; inter-creditor friction and partial-release cost possible.

🔒Estimated value

—

Upgrade to see

Turnover

—

not disclosed

Net worth

—

book net assets

Opportunity

72/100

Strong

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What this business does

Primary activity: Construction of domestic buildings

Sector: Construction

ALSO REGISTERED FOR

42990Construction of other civil engineering projects n.e.c.

Investor take

Pursue

Strong opportunity: active trading company with strong profile and acceptable with review structure.

Opportunity 72/100 (strong), bankability 57/100. High owner-dependency — earn-out structure likely required for clean transition. Asset purchase likely safer than share purchase given structural signals. Biggest value-creation lever: Consolidate lender relationships. 10 distinct lenders creates friction — refinance into single-lender structure for cleaner diligence. Most likely exit: share sale to pe / searcher (45/100).

🏦

Refinance opportunity

20 live charges · 10 lenders · oldest 44.1y

25/100

too messy

Structure is too messy for a clean refinance right now — clean up first or expect bespoke terms.

· Oldest live charge is 44.1 years old — likely at or near maturity.
· 10 lenders named — inter-creditor friction likely.
· Legal-friction score 63/100 (high).

Data confidence

Overall: medium (61/100)

Adequate coverage. AI outputs are reliable for the sections scored high; verify the rest in diligence.

Company profile

address, 2 SIC codes, incorporation date

100

Financials

No iXBRL financials extracted

Lenders & charges

20 charges (20/20 with lender, 20/20 with type)

Directors & officers

60 officers (3 active, 60 linked, 55 with DOB)

Ownership & PSC

1 active PSC(s) of 1 total, 1 with control declared

Director network

14 connected companies via shared directors

Filing history

285 filings on record

Gazette notices

No matching gazette notices (standard for active companies)

Opportunity Score

72/100Strong

PassWatchWorth a lookStrongExceptional

Solid opportunity signal. Worth a dedicated memo and management meeting.

Business quality

Adequate — check latest filings for context.

Acquirability

Strong succession / seller-readiness signals.

Risk profile

Some moderate concerns — review flags.

Signal strength

100

Good data coverage for analysis.

Recent activity

Last 30 days

filing

• 1 officers

Last 90 days

filing

• 1 officers

Last 180 days

filings

• 4 officers

Counts from Companies House filing history.

Corporate timeline (163 events)Click to expand

2026-04-27
📄
termination-director-company-with-name-termination-date
officers · TM01
2026-04-23
➖
WHITAKER, Kevin resigned
director
2026-02-11
📄
appoint-person-director-company-with-name-date
officers · AP01
2026-01-05
📄
termination-director-company-with-name-termination-date
officers · TM01
2025-12-31
➖
KINGHORN, Nicola Maureen resigned
director
2025-12-15
➕
NICHOLSON, Thomas Marshall appointed
director
2025-12-03
📄
change-person-director-company-with-change-date
officers · CH01
2025-09-01
➖
STODDART, Neil John resigned
director
2025-09-01
📄
termination-director-company-with-name-termination-date
officers · TM01
2025-08-27
📄
accounts-with-accounts-type-dormant
accounts · AA
2025-08-21
📄
appoint-person-director-company-with-name-date
officers · AP01
2025-07-08
📄
termination-director-company-with-name-termination-date
officers · TM01
2025-07-01
➖
DICKER, Andrew John resigned
director
2025-06-30
➕
RICE, Michael Daniel appointed
director
2025-06-09
📄
termination-director-company-with-name-termination-date
officers · TM01
2025-06-09
📄
termination-director-company-with-name-termination-date
officers · TM01
2025-06-09
📄
termination-director-company-with-name-termination-date
officers · TM01
2025-05-16
📄
termination-director-company-with-name-termination-date
officers · TM01
2025-05-16
📄
termination-director-company-with-name-termination-date
officers · TM01
2025-05-01
➖
CHAPPLE, Kevin William resigned
director
2025-05-01
➖
LAMBERT, David Henry resigned
director
2025-05-01
➖
RAFFERTY, Charles resigned
director
2025-05-01
➖
SIMPSON, Neil Graeme resigned
director
2025-05-01
➖
SUTTON, Rob resigned
director
2024-09-05
📄
accounts-with-accounts-type-dormant
accounts · AA
2024-06-10
📄
change-person-director-company-with-change-date
officers · CH01
2023-11-06
📄
change-corporate-secretary-company-with-change-date
officers · CH04
2023-08-28
📄
accounts-with-accounts-type-unaudited-abridged
accounts · AA
2023-05-03
📄
appoint-person-director-company-with-name-date
officers · AP01
2023-04-04
➕
RAFFERTY, Charles appointed
director
2022-08-31
📄
accounts-with-accounts-type-dormant
accounts · AA
2022-08-26
📄
appoint-person-director-company-with-name-date
officers · AP01
2022-08-16
✏️
certificate-change-of-name-company
change-of-name · CERTNM
2022-07-05
➖
KNIGHT, Matthew resigned
director
2022-07-01
➕
CHAPPLE, Kevin William appointed
director
2022-05-16
➖
VENT, Bernie resigned
director
2021-08-02
➕
LAMBERT, David Henry appointed
director
2021-05-03
➖
ARMSTRONG, Kenneth Thomas resigned
director
2021-05-01
➕
SUTTON, Rob appointed
director
2021-04-05
➖
MOORE, Michael Thomas resigned
director
2021-02-02
➖
FORRESTER, Daniel Brian resigned
director
2021-01-25
➕
VENT, Bernie appointed
director
2020-09-01
➕
DICKER, Andrew John appointed
director
2019-12-24
➖
WRIGHT, Mark Andrew resigned
director
2019-03-11
🔓
Charge satisfied #20
2019-03-11
🔓
Charge satisfied #19
2019-03-11
🔓
Charge satisfied #17
2019-01-01
➕
FORRESTER, Daniel Brian appointed
director
2019-01-01
➕
KNIGHT, Matthew appointed
director
2018-12-31
➖
JEYNES, Don Mark resigned
director

Showing most recent 50 of 163 events

Owner dependency

66/100

High — earn-out structure required

Material founder dependency. Consider a 2-3 year earn-out and build in a handover plan before completion.

FACTORS

+Two-director setup: Only two active directors — typical of owner-managed SMEs but limits succession.
+Senior director age: Director aged approximately 61 — approaching natural succession window.

Succession & seller-readiness

46/100

Moderate signal

Some succession indicators present. Worth watching; approach if sector/strategy fits.

SIGNALS

secondaryFounder aged 58+: Senior director is approximately 61. Early succession window.
secondaryTwo-director governance: Small-team governance. Succession depth is thin but not absent.

Red flags

2 med · 1 low

4 director resignations in last 12 months

medium

Multiple recent departures can indicate governance disagreement, succession event, or preparation for sale/stress.

Evidence: DICKER, Andrew John resigned 2025-07-01; KINGHORN, Nicola Maureen resigned 2025-12-31; STODDART, Neil John resigned 2025-09-01

Charge satisfaction-then-recreation pattern

medium

Multiple instances where a charge was satisfied and a new charge created within 6 months. Suggests active refinancing cycle.

9 live charges

low

Heavily leveraged with multiple live security positions — understand the capital structure before proceeding.

Group structure

Cala Limited is the ultimate parent — holding 75%+ shares. This company sits inside their group.

🏛️

Cala Limited

Corporate parent · holds 75-100% shares · board control

ultimate parent

⬇

CALA HOMES (COTSWOLDS) LIMITED

This company · 00682410

Parent relationships inferred from Persons with Significant Control filings. Full subsidiary tree requires reverse-lookup (coming).

Shareholders & ownership

1 active beneficial owner · dominant holder ≥75%

Name	Shares	Voting rights	Nature of control	Notified
Cala Limited Corporate entity	75–100%	75–100%	board control75-100% shares · 75-100% voting · board control	06/04/2016

From Companies House Persons with Significant Control filings. Share ranges are banded per the public PSC regime.

🔒Co-director network graph

Radial SVG graph showing every company connected via shared directors, colour-coded by status.

Available from the Pro tier upwards.

See pricing →

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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

Incorporated1961-02-02

Jurisdictionengland-wales

Primary SIC41202 — Construction of domestic buildings

Registered office

Cala House

54 The Causeway

Staines

Surrey

TW18 3AX

Filing status

Accounts

Next due: 2026-09-30

Last made up to: 2024-12-31

Confirmation statement

Next due: 2026-11-23

Last: 2025-11-09

Officers (3 active · 57 resigned)

LEDGE SERVICES LIMITED→

corporate-secretary · appointed 2006-04-01

View their other companies + combined net worth →

Active

NICHOLSON, Thomas Marshall→

director · ~61y · appointed 2025-12-15

View their other companies + combined net worth →

Active

RICE, Michael Daniel→

director · ~43y · appointed 2025-06-30

View their other companies + combined net worth →

Active

BALL, Michael Edward→

secretary · resigned 1993-09-30

Resigned

WADSWORTH, Stephen Victor→

secretary · appointed 1993-09-30 · resigned 1995-03-24

Resigned

LEDINGHAM CHALMERS LLP→

corporate-secretary · appointed 1995-03-24 · resigned 2006-04-01

Resigned

ANTILL, Matthew→

director · ~54y · appointed 2004-10-11 · resigned 2007-03-07

Resigned

ARMSTRONG, Kenneth Thomas→

director · ~66y · appointed 2017-01-30 · resigned 2021-05-03

Resigned

BALL, Geoffrey Arthur→

director · ~83y · resigned 2004-10-11

Resigned

BALL, Michael Edward→

director · resigned 1993-09-30

Resigned

BELLAMY, Reuben John→

director · ~60y · appointed 2014-06-24 · resigned 2017-03-03

Resigned

BIGNELL, David James→

director · ~43y · appointed 2017-01-24 · resigned 2017-10-09

Resigned

BOWEN, Steven Paul→

director · ~66y · appointed 1999-01-01 · resigned 2014-08-01

Resigned

BROWN, Alan Duke→

director · ~66y · appointed 1995-04-18 · resigned 2018-04-30

Resigned

CHAPPLE, Kevin William→

director · ~48y · appointed 2022-07-01 · resigned 2025-05-01

Resigned

DICK, Robert John Westwater→

director · ~71y · appointed 2004-10-01 · resigned 2008-12-03

Resigned

DICK, Robert John Westwater→

director · ~71y · appointed 1996-02-16 · resigned 2002-04-05

Resigned

DICKER, Andrew John→

director · ~52y · appointed 2020-09-01 · resigned 2025-07-01

Resigned

DOWNIE, Alan Wood→

director · ~76y · resigned 2004-10-11

Resigned

DOWNIE, William Robert→

director · ~76y · appointed 1998-05-01 · resigned 1998-11-04

Resigned

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

Mortgages & charges

Total charges

Outstanding

Active lenders

Status:Lender:20 of 20 shown

		Type	Properties
satisfied	Lloyds Banking Group Bank of Scotland PLC	A registered charge	—	09/10/2014	11/03/2019
satisfied	Lloyds Banking Group Bank of Scotland PLC as Agent and Security Trustee for Each of the Senior Creditors (As Defined in the Instrument Evidencing the Charge Accompanying This Form MR01).	A registered charge	—	18/12/2013	11/03/2019
satisfied	Lloyds Banking Group Bank of Scotland PLC ( the “Security Trustee”)	Debenture	1 property	29/06/2010	01/05/2014
satisfied	Lloyds Banking Group Bank of Scotland PLC as Agent and Security Trustee for Each of the Senior Creditors (The Security Trustee)	Floating charge	1 property	21/12/2009	11/03/2019
satisfied	Lloyds Banking Group Bank of Scotland PLC as Agent and Security Trustee for Each of the Senior Creditors (The Security Trustee)	Debenture	1 property	21/12/2009	01/05/2014
satisfied	Wates Construction Wates Construction Limited	Legal charge	1 property	20/02/2003	10/03/2008
outstanding	Danesdale Land Danesdale Land Limited	Legal mortgage	1 property	02/05/2001	—
satisfied	The Governor and Company of the Bank of Scotlandas Agent and Security Trustee for Itself and Each of the Agent Banks, the Mezzanine Agent, the Mezzanine Banks, the Hedging Banks and the Stockholders (As Defined)	Guarantee & debenture	1 property	10/01/2000	15/07/2014
satisfied	Lloyds Banking Group The Governor and Company of the Bank of Scotland	Letter of offset	1 property	13/06/1989	15/07/2014
satisfied	Lloyds Banking Group The Governor and Company of the Bank of Scotland	Legal charge	1 property	26/04/1988	16/02/2000
satisfied	Lloyds Banking Group The Governor and Company of the Bank of Scotland	Legal charge	1 property	18/04/1988	16/02/2000
outstanding	Barclays Barclays Bank PLC	Legal charge	1 property	16/09/1982	—
outstanding	Barclays Barclays Bank PLC	Legal charge	1 property	07/09/1982	—
outstanding	Barclays Barclays Bank PLC	Legal charge	1 property	07/09/1982	—
outstanding	Barclays Barclays Bank PLC	Legal charge	1 property	07/09/1982	—
outstanding	Barclays Barclays Bank PLC	Legal charge	1 property	07/09/1982	—
outstanding	Barclays Barclays Bank PLC	Legal charge	1 property	07/09/1982	—
outstanding	Barclays Barclays Bank PLC	Legal charge	1 property	07/09/1982	—
outstanding	Barclays Barclays Bank PLC	Legal charge	1 property	07/09/1982	—
satisfied	Barclays Barclays Merchant Bank Limited	Legal charge	1 property	06/04/1982	13/01/1987

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

Recent filings (285 total)

termination-director-company-with-name-termination-date

officers · TM01

2026-04-27

appoint-person-director-company-with-name-date

officers · AP01

2026-02-11

termination-director-company-with-name-termination-date

officers · TM01

2026-01-05

change-person-director-company-with-change-date

officers · CH01

2025-12-03

confirmation-statement-with-updates

confirmation-statement · CS01

2025-11-11

termination-director-company-with-name-termination-date

officers · TM01

2025-09-01

accounts-with-accounts-type-dormant

accounts · AA

2025-08-27

appoint-person-director-company-with-name-date

officers · AP01

2025-08-21

termination-director-company-with-name-termination-date

officers · TM01

2025-07-08

termination-director-company-with-name-termination-date

officers · TM01

2025-06-09

termination-director-company-with-name-termination-date

officers · TM01

2025-06-09

termination-director-company-with-name-termination-date

officers · TM01

2025-06-09

termination-director-company-with-name-termination-date

officers · TM01

2025-05-16

termination-director-company-with-name-termination-date

officers · TM01

2025-05-16

confirmation-statement-with-updates

confirmation-statement · CS01

2024-11-13