COLE CONTRACTORS CARDIFF LIMITED
🌳Matureactive
04072993 · ltd · incorporated 2000-09-18
Investment thesis
Established operating company — standard diligence applies, no dominant angle.
Why interesting: Live, filing, normal profile.
Why risky: No standout signals in either direction.
🔒Estimated value
—
Upgrade to see
Turnover
—
year to Jan 2025
Net worth
£914.3k
book net assets
Opportunity
73/100
Strong
What this business does
Primary activity: SIC 38110
Sector: Water supply & waste
ALSO REGISTERED FOR
- 42990Construction of other civil engineering projects n.e.c.
Investor take
PursueStrong opportunity: active trading company with strong profile and acceptable with review structure.
Opportunity 73/100 (strong), bankability 57/100. High owner-dependency — earn-out structure likely required for clean transition. Biggest value-creation lever: Consolidate lender relationships. 8 distinct lenders creates friction — refinance into single-lender structure for cleaner diligence. Most likely exit: share sale to pe / searcher (73/100).
🏦
Refinance opportunity
11 live charges · 8 lenders · oldest 25.7y
15/100
under pressure
Refinance would be pressure-driven, not opportunity-driven. Expect tighter margins and covenant scrutiny.
- · Oldest live charge is 25.7 years old — likely at or near maturity.
- · 8 lenders named — inter-creditor friction likely.
- · Cashflow trend is negative — lender view likely cautious.
Data confidence
Overall: high (83/100)Strong data coverage across all sections. AI outputs should be trusted with minimal caveats.
Company profile
address, 2 SIC codes, incorporation date
100
Financials
2 years of iXBRL accounts extracted (YoY deltas available) + narrative notes parsed
75
Lenders & charges
11 charges (11/11 with lender, 11/11 with type)
90
Directors & officers
8 officers (2 active, 8 linked, 5 with DOB)
83
Ownership & PSC
1 active PSC(s) of 3 total, 3 with control declared
90
Director network
17 connected companies via shared directors
90
Filing history
93 filings on record
85
Gazette notices
No matching gazette notices (standard for active companies)
60
Opportunity Score
73/100Strong
PassWatchWorth a lookStrongExceptional
Solid opportunity signal. Worth a dedicated memo and management meeting.
Business quality
60
Adequate — check latest filings for context.
Acquirability
75
Strong succession / seller-readiness signals.
Risk profile
71
Few red flags.
Signal strength
100
Good data coverage for analysis.
Signals from accounts
Derived from iXBRL accounts · FRS 102Positive net assets
Net assets £914,344
Very low cash
Cash position: £0
Key financials
2 years extracted from filed iXBRL accountsCash
£0
Net Worth
£914k
~ YoY
Current Assets
£526k
↓ 25% YoY
Current Liabilities
—
Hover to see exact values · click legend to toggle series
Financials
Extracted from Companies House accounts · FRS 102| Metric | 2025-01-31 | 2024-01-31 |
|---|---|---|
| Total assets | £1.62M | £1.47M |
| Current assets | £526.3k | £703.8k |
| Cash | £0 | £0 |
| Debtors | £520.4k | £699.5k |
| Net assets | £914.3k | £914.3k |
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 (49 events)Click to expand
- 2025-11-27📄accounts-with-accounts-type-unaudited-abridgedaccounts · AA
- 2025-10-27📍change-registered-office-address-company-with-date-old-address-new-addressaddress · AD01
- 2025-10-27📍change-registered-office-address-company-with-date-old-address-new-addressaddress · AD01
- 2024-10-27📄accounts-with-accounts-type-unaudited-abridgedaccounts · AA
- 2023-10-31📄accounts-with-accounts-type-unaudited-abridgedaccounts · AA
- 2022-12-21📄accounts-with-accounts-type-unaudited-abridgedaccounts · AA
- 2021-10-20📄accounts-with-accounts-type-unaudited-abridgedaccounts · AA
- 2021-03-15📄mortgage-create-with-deed-with-charge-number-charge-creation-datemortgage · MR01
- 2021-03-12🔒Charge registered #11Lender: Castlebridge Spv Limited
- 2020-07-09📄accounts-with-accounts-type-total-exemption-fullaccounts · AA
- 2019-09-30📄accounts-with-accounts-type-unaudited-abridgedaccounts · AA
- 2019-07-09📄mortgage-create-with-deed-with-charge-number-charge-creation-datemortgage · MR01
- 2019-07-08🔒Charge registered #10Lender: Hsbc UK Bank PLC
- 2019-05-01📄mortgage-create-with-deed-with-charge-number-charge-creation-datemortgage · MR01
- 2019-05-01🔒Charge registered #9Lender: Hsbc Invoice Finance (UK) LTD
- 2018-10-31📄accounts-with-accounts-type-unaudited-abridgedaccounts · AA
- 2018-01-12📄mortgage-create-with-deed-with-charge-number-charge-creation-datemortgage · MR01
- 2018-01-12📄mortgage-satisfy-charge-fullmortgage · MR04
- 2018-01-12📄mortgage-satisfy-charge-fullmortgage · MR04
- 2018-01-12🔒Charge registered #8Lender: Hsbc Bank PLC
- 2018-01-12🔓Charge satisfied #6
- 2018-01-12🔓Charge satisfied #5
- 2017-12-21📄mortgage-create-with-deed-with-charge-number-charge-creation-datemortgage · MR01
- 2017-12-20🔒Charge registered #7Lender: Hsbc Bank PLC
- 2017-12-12🔓Charge satisfied #4
- 2017-12-12🔓Charge satisfied #2
- 2017-04-19🔓Charge satisfied #3
- 2017-04-07➕VICKERS, Ian Paul, Dr appointeddirector
- 2017-04-07➕VICKERS, Stephen Lee, Dr appointeddirector
- 2017-04-07➖NICHOL, Karen Elizabeth resignedsecretary
- 2017-04-07➖NICHOL, Karen Elizabeth resigneddirector
- 2017-04-07➖NICHOL, Stephen Paul resigneddirector
- 2017-04-07🔒Charge registered #6Lender: Finance Wales Investments (14) LTD
- 2017-04-07🔒Charge registered #5Lender: Finance Wales Investments (14) Limited
- 2017-04-07🔒Charge registered #4Lender: Abn Amro Commercial Finance PLC
- 2006-10-17🔒Charge registered #3Lender: Hsbc Bank PLC
- 2006-04-18🔒Charge registered #2Lender: Hsbc Bank PLC
- 2002-11-12🔓Charge satisfied #1
- 2002-11-01➖COLE, John Albert resigneddirector
- 2002-11-01➕NICHOL, Karen Elizabeth appointeddirector
- 2000-11-08➕COLE, John Albert appointeddirector
- 2000-11-08🔒Charge registered #1Lender: Cole Contractors Cardiff Limited
- 2000-09-18🏢Company incorporatedAs COLE CONTRACTORS CARDIFF LIMITED
- 2000-09-18➕NICHOL, Karen Elizabeth appointedsecretary
- 2000-09-18➕CFL SECRETARIES LIMITED appointedcorporate-nominee-secretary
- 2000-09-18➖CFL SECRETARIES LIMITED resignedcorporate-nominee-secretary
- 2000-09-18➕NICHOL, Stephen Paul appointeddirector
- 2000-09-18➕CFL DIRECTORS LIMITED appointedcorporate-nominee-director
- 2000-09-18➖CFL DIRECTORS LIMITED resignedcorporate-nominee-director
Owner dependency
74/100
High — earn-out structure requiredMaterial 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 59 — approaching natural succession window.
- +Family involvement: Multiple officers share a surname — likely family business, which concentrates governance.
Succession & seller-readiness
56/100
Strong succession signalMultiple signals suggest succession is on the horizon. Candidate for proactive outreach.
SIGNALS
- secondaryFounder aged 58+: Senior director is approximately 59. Early succession window.
- secondaryTwo-director governance: Small-team governance. Succession depth is thin but not absent.
- secondaryStable-but-static management: Company is 26 years old and no new directors in the last 3 years — succession not yet being planned internally.
Red flags
1 med · 2 lowCharge satisfaction-then-recreation pattern
mediumMultiple instances where a charge was satisfied and a new charge created within 6 months. Suggests active refinancing cycle.
5 live charges
lowHeavily leveraged with multiple live security positions — understand the capital structure before proceeding.
Multiple registered office changes
lowMultiple address changes in a short period can indicate operational instability or admin disorder.
Group structure
Systems 80 Limited is the ultimate parent — holding 75%+ shares. This company sits inside their group.
🏛️ultimate parent
Systems 80 Limited
Corporate parent · holds 75-100% shares
⬇
COLE CONTRACTORS CARDIFF LIMITED
This company · 04072993
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 |
|---|---|---|---|---|
Systems 80 Limited Corporate entity | 75–100% | — | 75-100% shares | 07/04/2017 |
2 historic (ceased) PSCs
- Mr Stephen Paul Nicholceased 07/04/2017· 25-50% shares · 25-50% voting · board control · significant influence · firm interest
- Mrs Karen Elizabeth Nicholceased 07/04/2017· 25-50% shares · 25-50% voting · board control · significant influence · firm interest
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 →Similar companies
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|---|---|---|---|---|---|---|---|
| BRYDON ELECTRICAL LIMITED→ 11170354 · est 2018 · no financials extracted | — | — | — | — | 8y | — | — |
| CASTELL CLYD LTD→ 16177624 · est 2025 · no financials extracted | — | — | — | — | 1y | — | — |
| CILFYNYDD BESS LIMITED→ 14469856 · est 2022 · no financials extracted | — | — | — | — | 3y | — | — |
| COEDCAE FARM ENERGY LIMITED→ 16549911 · est 2025 · no financials extracted | — | — | — | — | — | — | — |
| CRISTAL WASHROOM SERVICES LTD→ 07359949 · est 2010 · no financials extracted | — | — | — | — | 15y | — | — |
| CST ELECTRICAL & COOLING LIMITED→ 10855902 · est 2017 · no financials extracted | — | — | — | — | 8y | — | — |
| DARLOW LLOYD & SONS LIMITED→ 01132524 · est 1973 · no financials extracted | — | — | — | — | 52y | — | — |
| DAVIES RENEWABLE ENERGY LIMITED→ 12691191 · est 2020 · no financials extracted | — | — | — | — | 5y | — | — |
| DC WASTE & HOUSE REMOVAL LTD→ 16300870 · est 2025 · no financials extracted | — | — | — | — | 1y | — | — |
| DEF SOLAR PANELS LTD→ 12721321 · est 2020 · no financials extracted | — | — | — | — | 5y | — | — |
| DILLONS DEMOLITION LTD→ 16408962 · est 2025 · no financials extracted | — | — | — | — | — | — | — |
| DIVIDEFIND LIMITED→ 02585297 · est 1991 · no financials extracted | — | — | — | — | 35y | — | — |
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
Incorporated2000-09-18
Jurisdictionengland-wales
Primary SIC38110 — SIC 38110
Registered office
19 Whittle Road
Leckwith Industrial Estate
Cardiff
CF11 8AT
Wales
Filing status
Accounts
Next due: 2026-10-31
Last made up to: 2025-01-31
Confirmation statement
Next due: 2026-10-02
Last: 2025-09-18
Officers (2 active · 6 resigned)
VICKERS, Ian Paul, Dr→
Activedirector · ~59y · appointed 2017-04-07
View their other companies + combined net worth →
VICKERS, Stephen Lee, Dr→
Activedirector · ~56y · appointed 2017-04-07
View their other companies + combined net worth →
NICHOL, Karen Elizabeth→
Resignedsecretary · appointed 2000-09-18 · resigned 2017-04-07
CFL SECRETARIES LIMITED→
Resignedcorporate-nominee-secretary · appointed 2000-09-18 · resigned 2000-09-18
COLE, John Albert→
Resigneddirector · ~86y · appointed 2000-11-08 · resigned 2002-11-01
NICHOL, Karen Elizabeth→
Resigneddirector · ~62y · appointed 2002-11-01 · resigned 2017-04-07
NICHOL, Stephen Paul→
Resigneddirector · ~71y · appointed 2000-09-18 · resigned 2017-04-07
CFL DIRECTORS LIMITED→
Resignedcorporate-nominee-director · appointed 2000-09-18 · resigned 2000-09-18
Click a director name to see their full track record across all companies.
Mortgages & charges
11
Total charges
5
Outstanding
2
Active lenders
Status:Lender:11 of 11 shown
| Type | Properties | |||||
|---|---|---|---|---|---|---|
| outstanding | Castlebridge Spv Castlebridge Spv Limited | A registered charge | — | 12/03/2021 | — | |
| outstanding | HSBC Hsbc UK Bank PLC | A registered charge | 1 property | 08/07/2019 | — | |
| outstanding | HSBC Hsbc Invoice Finance (UK) LTD | A registered charge | — | 01/05/2019 | — | |
| outstanding | HSBC Hsbc Bank PLC | A registered charge | 1 property | 12/01/2018 | — | |
| outstanding | HSBC Hsbc Bank PLC | A registered charge | 1 property | 20/12/2017 | — | |
| satisfied | Finance Wales Investments (14) Finance Wales Investments (14) LTD | A registered charge | — | 07/04/2017 | 12/01/2018 | |
| satisfied | Finance Wales Investments (14) Finance Wales Investments (14) Limited | A registered charge | 1 property | 07/04/2017 | 12/01/2018 | |
| satisfied | Abn Amro Commercial Finance Abn Amro Commercial Finance PLC | A registered charge | — | 07/04/2017 | 12/12/2017 | |
| satisfied | HSBC Hsbc Bank PLC | Legal mortgage | 1 property | 17/10/2006 | 19/04/2017 | |
| satisfied | HSBC Hsbc Bank PLC | Debenture | 1 property | 18/04/2006 | 12/12/2017 | |
| satisfied | Cole Contractors Cardiff Cole Contractors Cardiff Limited | Debenture | 1 property | 08/11/2000 | 12/11/2002 |
Click column headers to sort. Use filters above to narrow by status and lender.
Recent filings (93 total)
accounts-with-accounts-type-unaudited-abridged
accounts · AA
2025-11-27
confirmation-statement-with-no-updates
confirmation-statement · CS01
2025-10-27
change-registered-office-address-company-with-date-old-address-new-address
address · AD01
2025-10-27
change-registered-office-address-company-with-date-old-address-new-address
address · AD01
2025-10-27
accounts-with-accounts-type-unaudited-abridged
accounts · AA
2024-10-27
confirmation-statement-with-no-updates
confirmation-statement · CS01
2024-10-19
accounts-with-accounts-type-unaudited-abridged
accounts · AA
2023-10-31
confirmation-statement-with-no-updates
confirmation-statement · CS01
2023-09-18
accounts-with-accounts-type-unaudited-abridged
accounts · AA
2022-12-21
confirmation-statement-with-no-updates
confirmation-statement · CS01
2022-09-28
accounts-with-accounts-type-unaudited-abridged
accounts · AA
2021-10-20
confirmation-statement-with-no-updates
confirmation-statement · CS01
2021-09-30
mortgage-create-with-deed-with-charge-number-charge-creation-date
mortgage · MR01
2021-03-15
confirmation-statement-with-no-updates
confirmation-statement · CS01
2020-10-06
accounts-with-accounts-type-total-exemption-full
accounts · AA
2020-07-09