CALDER LEASING AND MANAGEMENT LIMITED

🌳Matureactive
03397696 · ltd · incorporated 1997-07-03
Investment thesis
Well-run mature business — low negotiation leverage; premium likely.
Why interesting: Textbook target; clean filings, stable trading.
Why risky: No pressure on seller; any deal likely at full price.
Opportunity decay
hardening · 12-months
Already tight — no obvious softening catalysts on the horizon.
  • · Thesis: well-run, low negotiation leverage
🔒Estimated value
—
Upgrade to see
Turnover
—
year to Jan 2025
Net worth
£201.4k
book net assets
Opportunity
83/100
Exceptional
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What this business does
Primary activity: Financial leasing
Sector: Financial & insurance
Investor take
Pursue
Asset-holding vehicle. Family succession underway — not a classic acquisition target.

Opportunity 83/100 (exceptional), bankability 85/100. Same-surname younger director in place — likely family handover, not open to sale. Share purchase looks the cleaner deal structure. Biggest value-creation lever: Cash flow review and working-capital discipline. Cash down -40% YoY — forensic review of receivables, stock turns, and creditor days. Most likely exit: strategic trade sale (73/100).

🏦

Refinance opportunity

1 live charge · oldest 18.4y

45/100
under pressure

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

  • · Oldest live charge is 18.4 years old — likely at or near maturity.
  • · Single lender — cleanest path to refinance.
  • · Cashflow trend is negative — lender view likely cautious.

Data confidence

Overall: high (82/100)

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
1 charges (1/1 with lender, 1/1 with type)
90
Directors & officers
8 officers (4 active, 8 linked, 6 with DOB)
85
Ownership & PSC
1 active PSC(s) of 1 total, 1 with control declared
90
Director network
11 connected companies via shared directors
78
Filing history
76 filings on record
85
Gazette notices
No matching gazette notices (standard for active companies)
60
Opportunity Score
83/100Exceptional
PassWatchWorth a lookStrongExceptional 

Strong composite across quality, acquirability, and risk. High-priority target — progress to serious diligence.

Business quality
70
Active, clean filings, stable charge profile.
Acquirability
85
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 · accounting standard not declared
Positive net assets
Net assets £201,428
Cash YoY
-40%
Year on year

Key financials

2 years extracted from filed iXBRL accounts
Cash
£51k
↓ 40% YoY
Net Worth
£201k
↑ 1.3% YoY
Current Assets
£206k
↑ 23% YoY
Current Liabilities
—
£0£41k£83k£124k£165k£206kJan 2024Jan 2025

Hover to see exact values · click legend to toggle series

Financials

Extracted from Companies House accounts · accounting standard unknown
Metric2025-01-312024-01-31
Total assets£201.4k£198.8k
Current assets£206.5k£167.5k
Cash£50.7k£84.1k
Debtors£155.8k£83.5k
Net assets£201.4k£198.8k

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

🔒Filing-note intelligence

1 signal 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

Last 30 days
0
filings
Last 90 days
0
filings
Last 180 days
1
filing
  • • 1 officers
Counts from Companies House filing history.
Corporate timeline (34 events)Click to expand
  1. 2026-01-28
    📄
    change-person-director-company-with-change-date
    officers · CH01
  2. 2025-10-28
    📄
    accounts-with-accounts-type-total-exemption-full
    accounts · AA
  3. 2024-10-30
    📄
    accounts-with-accounts-type-total-exemption-full
    accounts · AA
  4. 2024-09-11
    📄
    appoint-person-director-company-with-name-date
    officers · AP01
  5. 2024-09-01
    ➕
    FOSTER, Samuel Isaac appointed
    director
  6. 2024-04-22
    📄
    mortgage-satisfy-charge-full
    mortgage · MR04
  7. 2024-04-22
    🔓
    Charge satisfied #1
  8. 2023-10-30
    📄
    accounts-with-accounts-type-total-exemption-full
    accounts · AA
  9. 2022-10-21
    📄
    accounts-with-accounts-type-total-exemption-full
    accounts · AA
  10. 2022-01-05
    📄
    capital-return-purchase-own-shares
    capital · SH03
  11. 2021-12-07
    ✏️
    certificate-change-of-name-company
    change-of-name · CERTNM
  12. 2021-11-23
    📄
    capital-cancellation-shares
    capital · SH06
  13. 2021-11-17
    ➖
    DOOLING, Christine Ann resigned
    director
  14. 2021-11-17
    ➖
    DOOLING, David resigned
    director
  15. 2021-11-17
    📄
    termination-director-company-with-name-termination-date
    officers · TM01
  16. 2021-11-17
    📄
    termination-director-company-with-name-termination-date
    officers · TM01
  17. 2021-11-17
    📄
    termination-director-company-with-name-termination-date
    officers · TM01
  18. 2021-11-16
    ➖
    MATHERS, Lee Michael resigned
    director
  19. 2021-10-11
    📄
    accounts-with-accounts-type-total-exemption-full
    accounts · AA
  20. 2020-10-22
    📄
    accounts-with-accounts-type-total-exemption-full
    accounts · AA
  21. 2019-11-13
    📄
    appoint-person-director-company-with-name-date
    officers · AP01
  22. 2019-11-13
    📄
    appoint-person-director-company-with-name-date
    officers · AP01
  23. 2019-11-01
    ➕
    FOSTER, Sarah appointed
    director
  24. 2019-11-01
    ➕
    DOOLING, Christine Ann appointed
    director
  25. 2019-10-22
    📄
    accounts-with-accounts-type-total-exemption-full
    accounts · AA
  26. 2019-10-21
    ➕
    MATHERS, Lee Michael appointed
    director
  27. 2019-10-21
    📄
    appoint-person-director-company-with-name-date
    officers · AP01
  28. 2007-12-31
    🔒
    Charge registered #1
    Lender: Bank of Scotland PLC
  29. 1997-07-04
    ➖
    ASHBURTON REGISTRARS LIMITED resigned
    corporate-nominee-secretary
  30. 1997-07-03
    🏢
    Company incorporated
    As CALDER LEASING AND MANAGEMENT LIMITED
  31. 1997-07-03
    ➕
    FOSTER, Andrew Richard James appointed
    secretary
  32. 1997-07-03
    ➕
    FOSTER, Andrew Richard James appointed
    director
  33. 1997-07-03
    ➕
    ASHBURTON REGISTRARS LIMITED appointed
    corporate-nominee-secretary
  34. 1997-07-03
    ➕
    DOOLING, David appointed
    director

Owner dependency

76/100
High — earn-out structure required

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

FACTORS
  • +Long-tenure founder: Senior director has been in place 29 years — deep operational knowledge concentrated in one person.
  • +Senior director age: Director aged approximately 60 — approaching natural succession window.
  • +Family involvement: Multiple officers share a surname — likely family business, which concentrates governance.

Succession & seller-readiness

20/100
No succession signal

No meaningful acquirability indicators from public data.

SIGNALS
  • primaryFamily succession underway: Not a takeover target — FOSTER, Samuel Isaac (same surname) appointed 2024-09-01. Pattern consistent with intra-family handover.
  • secondaryFounder aged 58+: Senior director is approximately 60. Early succession window.
  • primary20+ year tenure: Director in role 29 years. Very long tenure is a classic succession signal.
  • supportingClean filings + long tenure: Disciplined long-tenure operator — classic lifestyle-business pattern that often sells quietly.

Red flags

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

Shareholders & ownership

1 active beneficial owner
NameSharesVoting rightsNature of controlNotified
Mr Andrew Richard James Foster
Individual · British · DOB 05/1966 · age 60
——sig. influencesignificant influence06/04/2016

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

6 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
Incorporated1997-07-03
Jurisdictionengland-wales
Primary SIC64910 — Financial leasing

Registered office

Prospect Court
Prospect Street
Bradford
Yorkshire
BD4 7AH

Filing status

Accounts
Next due: 2026-10-31
Last made up to: 2025-01-31
Confirmation statement
Next due: 2026-07-17
Last: 2025-07-03

Officers (4 active · 4 resigned)

FOSTER, Andrew Richard James→
secretary · appointed 1997-07-03
View their other companies + combined net worth →
Active
FOSTER, Andrew Richard James→
director · ~60y · appointed 1997-07-03
View their other companies + combined net worth →
Active
FOSTER, Samuel Isaac→
director · ~21y · appointed 2024-09-01
View their other companies + combined net worth →
Active
FOSTER, Sarah→
director · ~60y · appointed 2019-11-01
View their other companies + combined net worth →
Active
ASHBURTON REGISTRARS LIMITED→
corporate-nominee-secretary · appointed 1997-07-03 · resigned 1997-07-04
Resigned
DOOLING, Christine Ann→
director · ~79y · appointed 2019-11-01 · resigned 2021-11-17
Resigned
DOOLING, David→
director · ~80y · appointed 1997-07-03 · resigned 2021-11-17
Resigned
MATHERS, Lee Michael→
director · ~39y · appointed 2019-10-21 · resigned 2021-11-16
Resigned

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

Mortgages & charges

1
Total charges
0
Outstanding
0
Active lenders
Status:Lender:1 of 1 shown
TypeProperties
satisfied
Lloyds Banking Group
Bank of Scotland PLC
Debenture1 property31/12/200722/04/2024

Recent filings (76 total)

change-person-director-company-with-change-date
officers · CH01
2026-01-28
accounts-with-accounts-type-total-exemption-full
accounts · AA
2025-10-28
confirmation-statement-with-updates
confirmation-statement · CS01
2025-07-15
accounts-with-accounts-type-total-exemption-full
accounts · AA
2024-10-30
appoint-person-director-company-with-name-date
officers · AP01
2024-09-11
confirmation-statement-with-no-updates
confirmation-statement · CS01
2024-08-07
mortgage-satisfy-charge-full
mortgage · MR04
2024-04-22
accounts-with-accounts-type-total-exemption-full
accounts · AA
2023-10-30
confirmation-statement-with-no-updates
confirmation-statement · CS01
2023-07-03
accounts-with-accounts-type-total-exemption-full
accounts · AA
2022-10-21
confirmation-statement-with-updates
confirmation-statement · CS01
2022-07-27
capital-return-purchase-own-shares
capital · SH03
2022-01-05
certificate-change-of-name-company
change-of-name · CERTNM
2021-12-07
capital-cancellation-shares
capital · SH06
2021-11-23
termination-director-company-with-name-termination-date
officers · TM01
2021-11-17