CAREER DEVELOPMENT FINANCE LIMITED

💤Zombieactive
03059549 · ltd · incorporated 1995-05-22
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 Oct 2024
Net worth
£95.6k
book net assets
Opportunity
79/100
Strong
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What this business does
Primary activity: Credit granting by non-deposit taking finance houses and other specialist consumer credit grantors
Sector: Financial & insurance
Investor take
Pursue
Asset-holding vehicle with a 68-year-old founder — textbook succession opportunity.

Opportunity 79/100 (strong), bankability 85/100. Strong seller-intent signal (78/100, director aged 68). Share purchase looks the cleaner deal structure. Biggest value-creation lever: Cash flow review and working-capital discipline. Cash down -79% YoY — forensic review of receivables, stock turns, and creditor days. Most likely exit: share sale to pe / searcher (73/100).

🏦

Refinance opportunity

2 live charges · oldest 17.0y

45/100
under pressure

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

  • · Oldest live charge is 17.0 years old — likely at or near maturity.
  • · Single lender — cleanest path to refinance.
  • · Distress signals active — lender appetite narrows.

Data confidence

Overall: high (81/100)

Strong data coverage across all sections. AI outputs should be trusted with minimal caveats.

Company profile
address, 1 SIC codes, incorporation date
100
Financials
2 years of iXBRL accounts extracted (YoY deltas available) + narrative notes parsed
75
Lenders & charges
2 charges (2/2 with lender, 2/2 with type)
90
Directors & officers
12 officers (1 active, 12 linked, 9 with DOB)
85
Ownership & PSC
1 active PSC(s) of 1 total, 1 with control declared
90
Director network
5 connected companies via shared directors
60
Filing history
101 filings on record
85
Gazette notices
No matching gazette notices (standard for active companies)
60
Opportunity Score
79/100Strong
PassWatchWorth a lookStrongExceptional 

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

Business quality
70
Active, clean filings, stable charge profile.
Acquirability
70
Strong succession / seller-readiness signals.
Risk profile
85
Few red flags.
Signal strength
100
Good data coverage for analysis.

Signals from accounts

Derived from iXBRL accounts · FRS 102
Positive net assets
Net assets £95,643
Net assets shrinking
Down £47,775 YoY
Cash draining
Cash down 79% YoY
Cash YoY
-79%
Year on year

Key financials

2 years extracted from filed iXBRL accounts
Cash
£6k
↓ 79% YoY
Net Worth
£96k
↓ 33% YoY
Current Assets
£96k
↓ 33% YoY
Current Liabilities
—
£0£29k£57k£86k£115k£143kOct 2023Oct 2024

Hover to see exact values · click legend to toggle series

Financials

Extracted from Companies House accounts · FRS 102
Metric2024-10-312023-10-31
Total assets£95.6k£143.4k
Current assets£95.6k£143.4k
Cash£6.0k£28.2k
Debtors£89.7k£115.3k
Net assets£95.6k£143.4k

Amounts extracted automatically from iXBRL. Fields left blank were not reported or not mapped. Values in GBP unless stated.

Recent activity

Last 30 days
0
filings
Last 90 days
0
filings
Last 180 days
0
filings
Counts from Companies House filing history.
Corporate timeline (44 events)Click to expand
  1. 2025-07-29
    📄
    accounts-with-accounts-type-unaudited-abridged
    accounts · AA
  2. 2024-07-24
    📄
    accounts-with-accounts-type-unaudited-abridged
    accounts · AA
  3. 2023-06-14
    📄
    accounts-with-accounts-type-unaudited-abridged
    accounts · AA
  4. 2022-07-07
    📄
    accounts-with-accounts-type-unaudited-abridged
    accounts · AA
  5. 2021-07-08
    📄
    accounts-with-accounts-type-unaudited-abridged
    accounts · AA
  6. 2020-10-12
    📄
    accounts-with-accounts-type-unaudited-abridged
    accounts · AA
  7. 2019-07-31
    📄
    accounts-with-accounts-type-unaudited-abridged
    accounts · AA
  8. 2019-01-15
    📍
    change-registered-office-address-company-with-date-old-address-new-address
    address · AD01
  9. 2018-07-31
    📄
    accounts-with-accounts-type-unaudited-abridged
    accounts · AA
  10. 2018-03-31
    📄
    accounts-with-accounts-type-unaudited-abridged
    accounts · AA
  11. 2017-09-20
    📄
    change-account-reference-date-company-current-shortened
    accounts · AA01
  12. 2017-01-19
    📄
    appoint-person-director-company-with-name-date
    officers · AP01
  13. 2017-01-19
    📄
    termination-director-company-with-name-termination-date
    officers · TM01
  14. 2017-01-17
    ➕
    MURRAY, Craig William appointed
    director
  15. 2017-01-17
    ➖
    TELENSKY, Jan resigned
    director
  16. 2017-01-17
    📍
    change-registered-office-address-company-with-date-old-address-new-address
    address · AD01
  17. 2017-01-11
    📄
    accounts-with-accounts-type-total-exemption-small
    accounts · AA
  18. 2016-06-03
    📄
    annual-return-company-with-made-up-date-full-list-shareholders
    annual-return · AR01
  19. 2016-04-11
    🔓
    Charge satisfied #2
  20. 2014-06-30
    ➖
    JOLLANDS, Robert Eric resigned
    director
  21. 2013-04-15
    🔓
    Charge satisfied #1
  22. 2013-04-11
    🔒
    Charge registered #2
    Lender: Clydesdale Financial Services Limited Trading as Barclays Partner Finance
  23. 2013-02-28
    ➖
    TELENSKY, Alena resigned
    secretary
  24. 2013-02-28
    ➖
    DAVIE, Hugh Ritchie resigned
    director
  25. 2012-12-01
    ➕
    JOLLANDS, Robert Eric appointed
    director
  26. 2012-05-24
    ➖
    COPELAND, Eddie Alexander resigned
    director
  27. 2011-04-01
    ➕
    COPELAND, Eddie Alexander appointed
    director
  28. 2011-04-01
    ➕
    DAVIE, Hugh Ritchie appointed
    director
  29. 2010-04-14
    ➖
    HEAD, Michael Andre resigned
    director
  30. 2009-06-04
    🔒
    Charge registered #1
    Lender: Clydesdale Financial Services Limited Trading as Barclays Partner Finance
  31. 2008-03-31
    ➕
    TELENSKY, Jan appointed
    director
  32. 2008-03-05
    ➖
    TELENSKY, Jan resigned
    director
  33. 2006-11-21
    ➖
    FOTI, Demitios Michael resigned
    director
  34. 2003-09-08
    ➕
    FOTI, Demitios Michael appointed
    director
  35. 2001-03-01
    ➕
    HEAD, Michael Andre appointed
    director
  36. 2000-02-28
    ➖
    FOX, Anthony Russell resigned
    secretary
  37. 2000-02-28
    ➕
    TELENSKY, Alena appointed
    secretary
  38. 2000-02-28
    ➖
    SMITH, Malcolm John Martin resigned
    director
  39. 1999-07-22
    ➕
    TELENSKY, Jan appointed
    director
  40. 1995-05-22
    🏢
    Company incorporated
    As CAREER DEVELOPMENT FINANCE LIMITED
  41. 1995-05-22
    ➕
    FOX, Anthony Russell appointed
    secretary
  42. 1995-05-22
    ➕
    TEMPLE SECRETARIES LIMITED appointed
    corporate-nominee-secretary
  43. 1995-05-22
    ➖
    TEMPLE SECRETARIES LIMITED resigned
    corporate-nominee-secretary
  44. 1995-05-22
    ➕
    SMITH, Malcolm John Martin appointed
    director

Owner dependency

90/100
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 age: Director aged approximately 68 — succession pressure is live.

Succession & seller-readiness

75/100
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 68. Approaching typical UK retirement age — succession thinking likely.
  • primarySole active director: Only one director in control. No visible successor — buyers solve the succession problem.
  • secondaryStable-but-static management: Company is 31 years old and no new directors in the last 3 years — succession not yet being planned internally.

Red flags

clean
No red flags detected from available public data. (This is not a clean bill of health — detailed accounts review still recommended.)

Group structure

Caledonian Consumer Finance Ltd is the ultimate parent — holding 75%+ shares. This company sits inside their group.

🏛️
Caledonian Consumer Finance Ltd
Corporate parent · holds 75-100% shares · board control
ultimate parent
⬇
CAREER DEVELOPMENT FINANCE LIMITED
This company · 03059549

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%
NameSharesVoting rightsNature of controlNotified
Caledonian Consumer Finance Ltd
Corporate entity
75–100%
75–100%board control75-100% shares · 75-100% voting · board control17/01/2017

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

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
Incorporated1995-05-22
Jurisdictionengland-wales
Primary SIC64921 — Credit granting by non-deposit taking finance houses and other specialist consumer credit grantors

Registered office

Pacific House Fletcher Way
Parkhouse
Carlisle
CA3 0LJ
England

Filing status

Accounts
Next due: 2026-07-31
Last made up to: 2024-10-31
Confirmation statement
Next due: 2026-06-05
Last: 2025-05-22

Officers (1 active · 11 resigned)

MURRAY, Craig William→
director · ~68y · appointed 2017-01-17
View their other companies + combined net worth →
Active
FOX, Anthony Russell→
secretary · appointed 1995-05-22 · resigned 2000-02-28
Resigned
TELENSKY, Alena→
secretary · appointed 2000-02-28 · resigned 2013-02-28
Resigned
TEMPLE SECRETARIES LIMITED→
corporate-nominee-secretary · appointed 1995-05-22 · resigned 1995-05-22
Resigned
COPELAND, Eddie Alexander→
director · ~65y · appointed 2011-04-01 · resigned 2012-05-24
Resigned
DAVIE, Hugh Ritchie→
director · ~87y · appointed 2011-04-01 · resigned 2013-02-28
Resigned
FOTI, Demitios Michael→
director · ~70y · appointed 2003-09-08 · resigned 2006-11-21
Resigned
HEAD, Michael Andre→
director · ~71y · appointed 2001-03-01 · resigned 2010-04-14
Resigned
JOLLANDS, Robert Eric→
director · ~48y · appointed 2012-12-01 · resigned 2014-06-30
Resigned
SMITH, Malcolm John Martin→
director · ~82y · appointed 1995-05-22 · resigned 2000-02-28
Resigned
TELENSKY, Jan→
director · ~78y · appointed 2008-03-31 · resigned 2017-01-17
Resigned
TELENSKY, Jan→
director · ~78y · appointed 1999-07-22 · resigned 2008-03-05
Resigned

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

Mortgages & charges

2
Total charges
0
Outstanding
0
Active lenders
Status:Lender:2 of 2 shown
TypeProperties
satisfied
Barclays
Clydesdale Financial Services Limited Trading as Barclays Partner Finance
A registered charge1 property11/04/201311/04/2016
satisfied
Barclays
Clydesdale Financial Services Limited Trading as Barclays Partner Finance
Debenture1 property04/06/200915/04/2013

Recent filings (101 total)

accounts-with-accounts-type-unaudited-abridged
accounts · AA
2025-07-29
confirmation-statement-with-no-updates
confirmation-statement · CS01
2025-06-03
accounts-with-accounts-type-unaudited-abridged
accounts · AA
2024-07-24
confirmation-statement-with-no-updates
confirmation-statement · CS01
2024-05-28
accounts-with-accounts-type-unaudited-abridged
accounts · AA
2023-06-14
confirmation-statement-with-no-updates
confirmation-statement · CS01
2023-06-06
confirmation-statement-with-no-updates
confirmation-statement · CS01
2022-07-12
accounts-with-accounts-type-unaudited-abridged
accounts · AA
2022-07-07
accounts-with-accounts-type-unaudited-abridged
accounts · AA
2021-07-08
confirmation-statement-with-no-updates
confirmation-statement · CS01
2021-06-02
accounts-with-accounts-type-unaudited-abridged
accounts · AA
2020-10-12
confirmation-statement-with-no-updates
confirmation-statement · CS01
2020-05-28
accounts-with-accounts-type-unaudited-abridged
accounts · AA
2019-07-31
confirmation-statement-with-no-updates
confirmation-statement · CS01
2019-05-29
change-registered-office-address-company-with-date-old-address-new-address
address · AD01
2019-01-15