CALCOTT SECURITIES LIMITED
Opportunity 48/100 (watch), bankability 52/100. Strong seller-intent signal (80/100, director aged 83). Asset purchase likely safer than share purchase given structural signals. Biggest value-creation lever: Consolidate lender relationships. 3 distinct lenders creates friction — refinance into single-lender structure for cleaner diligence. Most likely exit: distressed disposal / insolvency (65/100). Current lenders should be on monthly review.
Refinance opportunity
5 live charges · 3 lenders · oldest 27.3y
Structure is too messy for a clean refinance right now — clean up first or expect bespoke terms.
- · Oldest live charge is 27.3 years old — likely at or near maturity.
- · 3 lenders named — inter-creditor friction likely.
- · Legal-friction score 53/100 (high).
Data confidence
Overall: high (80/100)Strong data coverage across all sections. AI outputs should be trusted with minimal caveats.
Not actionable now, but monitor — distressed, succession, or structural changes could flip this into a real opportunity.
Signals from accounts
Derived from iXBRL accounts · accounting standard not declaredKey financials
2 years extracted from filed iXBRL accountsHover to see exact values · click legend to toggle series
Financials
Extracted from Companies House accounts · accounting standard unknown| Metric | 2025-06-30 | 2024-06-30 |
|---|---|---|
| Total assets | £791.7k | £781.4k |
| Current assets | £19.9k | £766 |
| Cash | £19.8k | £730 |
| Net assets | £791.7k | £781.4k |
Amounts extracted automatically from iXBRL. Fields left blank were not reported or not mapped. Values in GBP unless stated.
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
- • 2 insolvency
- • 1 address
- • 1 resolution
- • 3 officers
- • 2 insolvency
- • 1 address
Corporate timeline (45 events)Click to expand
- 2026-05-19⚠️liquidation-voluntary-appointment-of-liquidatorinsolvency · 600
- 2026-05-18📍change-registered-office-address-company-with-date-old-address-new-addressaddress · AD01
- 2026-05-18📄resolutionresolution · RESOLUTIONS
- 2026-05-18⚠️liquidation-voluntary-declaration-of-solvencyinsolvency · LIQ01
- 2026-03-03📄termination-director-company-with-name-termination-dateofficers · TM01
- 2026-03-03📄termination-director-company-with-name-termination-dateofficers · TM01
- 2026-03-02➖BRAYFORD, Benjamin Alexander Francis resigneddirector
- 2026-03-02➖BRAYFORD, Sara Jeanine Wilhelmina resigneddirector
- 2026-02-23➖BRAYFORD, James Anthony Loxley resigneddirector
- 2026-02-23📄termination-director-company-with-name-termination-dateofficers · TM01
- 2025-10-13📄accounts-with-accounts-type-total-exemption-fullaccounts · AA
- 2024-10-22📄accounts-with-accounts-type-total-exemption-fullaccounts · AA
- 2023-11-03📄accounts-with-accounts-type-total-exemption-fullaccounts · AA
- 2022-11-08📄accounts-with-accounts-type-total-exemption-fullaccounts · AA
- 2021-10-08📄accounts-with-accounts-type-total-exemption-fullaccounts · AA
- 2020-10-29📄accounts-with-accounts-type-total-exemption-fullaccounts · AA
- 2020-05-21📄mortgage-satisfy-charge-fullmortgage · MR04
- 2020-05-21🔓Charge satisfied #4
- 2020-04-17📄mortgage-satisfy-charge-fullmortgage · MR04
- 2020-04-17🔓Charge satisfied #5
- 2019-11-15📄accounts-with-accounts-type-total-exemption-fullaccounts · AA
- 2018-10-11📄accounts-with-accounts-type-total-exemption-fullaccounts · AA
- 2017-10-02➕BRAYFORD, Benjamin Alexander Francis appointeddirector
- 2017-10-02➕BRAYFORD, James Anthony Loxley appointeddirector
- 2017-10-02➕BRAYFORD, Sara Jeanine Wilhelmina appointeddirector
- 2014-11-07🔒Charge registered #5Lender: Lloyds Bank PLC
- 2014-09-25🔓Charge satisfied #3
- 2014-09-25🔓Charge satisfied #2
- 2014-09-25🔓Charge satisfied #1
- 2014-09-22🔒Charge registered #4Lender: Lloyds Bank PLC
- 2003-03-17🔒Charge registered #3Lender: West Bromwich Building Society
- 2003-03-17🔒Charge registered #2Lender: West Bromwich Building Society
- 1999-06-30➖JONES, Marsha Annette resigneddirector
- 1999-06-30➖JONES, Roderick resigneddirector
- 1999-03-31🔒Charge registered #1Lender: Woolwich PLC
- 1999-03-25➕JONES, Marsha Annette appointeddirector
- 1999-03-25➕JONES, Roderick appointeddirector
- 1999-02-22➕BRAYFORD, Carole Jeanette appointedsecretary
- 1999-02-22➕BRAYFORD, Anthony Philip appointeddirector
- 1999-02-22➕BRAYFORD, Carole Jeanette appointeddirector
- 1998-12-24🏢Company incorporatedAs CALCOTT SECURITIES LIMITED
- 1998-12-24➕BHARDWAJ, Ashok appointednominee-secretary
- 1998-12-24➖BHARDWAJ, Ashok resignednominee-secretary
- 1998-12-24➕BHARDWAJ CORPORATE SERVICES LIMITED appointedcorporate-nominee-director
- 1998-12-24➖BHARDWAJ CORPORATE SERVICES LIMITED resignedcorporate-nominee-director
Owner dependency
The business appears inseparable from the founder. Acquisition without a serious earn-out or meaningful transition period would likely destroy value.
- +Two-director setup: Only two active directors — typical of owner-managed SMEs but limits succession.
- +Long-tenure founder: Senior director has been in place 27 years — deep operational knowledge concentrated in one person.
- +Founder age: Director aged approximately 83 — succession pressure is live.
- +Family involvement: Multiple officers share a surname — likely family business, which concentrates governance.
Succession & seller-readiness
Strong acquirability signals converging. Worth approaching directly — this is how off-market deals start.
- primaryFounder aged 70+: Senior director is approximately 83 years old. Natural succession window is now.
- secondaryTwo-director governance: Small-team governance. Succession depth is thin but not absent.
- primary20+ year tenure: Director in role 27 years. Very long tenure is a classic succession signal.
- secondaryStable-but-static management: Company is 28 years old and no new directors in the last 3 years — succession not yet being planned internally.
- supportingClean filings + long tenure: Disciplined long-tenure operator — classic lifestyle-business pattern that often sells quietly.
Red flags
2 high · 2 med ·Company is actively being wound up. Not a going concern.
Filings relating to insolvency, liquidation, or administration exist in the company's history. Review before proceeding.
Evidence: 2026-05-19: liquidation-voluntary-appointment-of-liquidator; 2026-05-18: liquidation-voluntary-declaration-of-solvency
Multiple recent departures can indicate governance disagreement, succession event, or preparation for sale/stress.
Evidence: BRAYFORD, Benjamin Alexander Francis resigned 2026-03-02; BRAYFORD, James Anthony Loxley resigned 2026-02-23; BRAYFORD, Sara Jeanine Wilhelmina resigned 2026-03-02
Multiple instances where a charge was satisfied and a new charge created within 6 months. Suggests active refinancing cycle.
Shareholders & ownership
2 active beneficial owners| Name | Shares | Voting rights | Nature of control | Notified |
|---|---|---|---|---|
Mr Anthony Philip Brayford Individual · British · DOB 06/1943 · age 83 | 25–50% | — | 25-50% shares | 07/04/2016 |
Mrs Carole Jeanette Brayford Individual · British · DOB 04/1945 · age 81 | 25–50% | — | 25-50% shares | 07/04/2016 |
From Companies House Persons with Significant Control filings. Share ranges are banded per the public PSC regime.
Radial SVG graph showing every company connected via shared directors, colour-coded by status.
Available from the Pro tier upwards.
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10 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 →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
Registered office
Filing status
Officers (3 active · 7 resigned)
Click a director name to see their full track record across all companies.
Mortgages & charges
| Type | Properties | |||||
|---|---|---|---|---|---|---|
| satisfied | Lloyds Banking Group Lloyds Bank PLC | A registered charge | 1 property | 07/11/2014 | 17/04/2020 | |
| satisfied | Lloyds Banking Group Lloyds Bank PLC | A registered charge | — | 22/09/2014 | 21/05/2020 | |
| satisfied | West Bromwich Building Society | Floating charge deed | 1 property | 17/03/2003 | 25/09/2014 | |
| satisfied | West Bromwich Building Society | Commercial mortgage deed | 1 property | 17/03/2003 | 25/09/2014 | |
| satisfied | Woolwich Woolwich PLC | Mortgage and debenture deed | 1 property | 31/03/1999 | 25/09/2014 |