A J CALE LIMITED
🌳Matureactive
06033252 · ltd · incorporated 2006-12-19
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
—
not disclosed
Net worth
—
book net assets
Opportunity
78/100
Strong
What this business does
Primary activity: Dental practice activities
Sector: Human health & social work
Investor take
PursueActive trading company with a 70-year-old founder — textbook succession opportunity.
Opportunity 78/100 (strong), bankability 67/100. Strong seller-intent signal (68/100, director aged 70). Share purchase looks the cleaner deal structure. Biggest value-creation lever: Consolidate lender relationships. 4 distinct lenders creates friction — refinance into single-lender structure for cleaner diligence. Most likely exit: share sale to pe / searcher (73/100).
🏦
Refinance opportunity
4 live charges · 4 lenders · oldest 15.0y
35/100
too messy
Refinance path is blocked by complexity. Rethink structure or expect bespoke, expensive terms.
- · Oldest live charge is 15.0 years old — likely at or near maturity.
- · 4 lenders named — inter-creditor friction likely.
- · Legal-friction score 25/100 — workable, but lender will want more DD.
Data confidence
Overall: medium (59/100)Adequate coverage. AI outputs are reliable for the sections scored high; verify the rest in diligence.
Company profile
address, 1 SIC codes, incorporation date
100
Financials
No iXBRL financials extracted
0
Lenders & charges
4 charges (4/4 with lender, 4/4 with type)
90
Directors & officers
5 officers (2 active, 5 linked, 3 with DOB)
82
Ownership & PSC
1 active PSC(s) of 2 total, 2 with control declared
90
Director network
11 connected companies via shared directors
78
Filing history
98 filings on record
85
Gazette notices
No matching gazette notices (standard for active companies)
60
Opportunity Score
78/100Strong
PassWatchWorth a lookStrongExceptional
Solid opportunity signal. Worth a dedicated memo and management meeting.
Business quality
70
Active, clean filings, stable charge profile.
Acquirability
75
Strong succession / seller-readiness signals.
Risk profile
77
Few red flags.
Signal strength
100
Good data coverage for analysis.
Recent activity
Last 30 days
0
filings
Last 90 days
1
filing
- • 1 address
Last 180 days
2
filings
- • 1 address
- • 1 confirmation-statement
Counts from Companies House filing history.
Corporate timeline (37 events)Click to expand
- 2026-04-15📍change-registered-office-address-company-with-date-old-address-new-addressaddress · AD01
- 2025-12-20📄accounts-with-accounts-type-audit-exemption-subsiduaryaccounts · AA
- 2025-12-20📄legacyaccounts · PARENT_ACC
- 2025-12-20📄legacyother · GUARANTEE2
- 2025-12-20📄legacyother · AGREEMENT2
- 2025-07-04📄mortgage-satisfy-charge-fullmortgage · MR04
- 2025-07-04🔓Charge satisfied #2
- 2025-05-08📄mortgage-create-with-deed-with-charge-number-charge-creation-datemortgage · MR01
- 2025-05-06📄mortgage-create-with-deed-with-charge-number-charge-creation-datemortgage · MR01
- 2025-05-06📄mortgage-satisfy-charge-fullmortgage · MR04
- 2025-05-06🔓Charge satisfied #1
- 2025-05-01🔒Charge registered #4Lender: Santander UK PLC (2294747)
- 2025-05-01🔒Charge registered #3Lender: Santander UK PLC
- 2025-01-07📄accounts-with-accounts-type-audit-exemption-subsiduaryaccounts · AA
- 2025-01-07📄legacyaccounts · PARENT_ACC
- 2025-01-07📄legacyother · GUARANTEE2
- 2025-01-07📄legacyother · AGREEMENT2
- 2024-12-30📄legacyother · AGREEMENT2
- 2024-12-30📄legacyother · GUARANTEE2
- 2024-11-26📄change-person-director-company-with-change-dateofficers · CH01
- 2024-04-15📄change-account-reference-date-company-previous-shortenedaccounts · AA01
- 2024-04-09📄accounts-with-accounts-type-audit-exemption-subsiduaryaccounts · AA
- 2024-04-09📄legacyaccounts · PARENT_ACC
- 2024-04-09📄legacyother · GUARANTEE2
- 2024-04-09📄legacyother · AGREEMENT2
- 2023-03-06📄accounts-with-accounts-type-audit-exemption-subsiduaryaccounts · AA
- 2018-01-31➕SCHONBERG, Jonathan David appointeddirector
- 2018-01-31➕STANEVICIENE, Gabriele appointeddirector
- 2018-01-31➖CALE, Anthony John, Dr resignedsecretary
- 2018-01-31➖CALE, Anthony John, Dr resigneddirector
- 2018-01-31🔒Charge registered #2Lender: Clydesdale Bank PLC (Trading as Both Clydesdale Bank and Yorkshire Bank)
- 2016-11-25➕CALE, Anthony John, Dr appointedsecretary
- 2016-11-25➖CALE, Janet resignedsecretary
- 2011-06-22🔒Charge registered #1Lender: The Royal Bank of Scotland PLC
- 2006-12-19🏢Company incorporatedAs A J CALE LIMITED
- 2006-12-19➕CALE, Janet appointedsecretary
- 2006-12-19➕CALE, Anthony John, Dr appointeddirector
Owner dependency
73/100
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.
- +Founder age: Director aged approximately 70 — succession pressure is live.
Succession & seller-readiness
76/100
Likely off-market candidateStrong acquirability signals converging. Worth approaching directly — this is how off-market deals start.
SIGNALS
- primaryFounder aged 70+: Senior director is approximately 70 years old. Natural succession window is now.
- secondaryTwo-director governance: Small-team governance. Succession depth is thin but not absent.
- secondaryStable-but-static management: Company is 20 years old and no new directors in the last 3 years — succession not yet being planned internally.
Red flags
1 med ·Charge satisfaction-then-recreation pattern
mediumMultiple instances where a charge was satisfied and a new charge created within 6 months. Suggests active refinancing cycle.
Group structure
Carholme Dental Group Limited is the ultimate parent — holding 75%+ shares. This company sits inside their group.
🏛️ultimate parent
Carholme Dental Group Limited
Corporate parent · holds 75-100% shares
⬇
A J CALE LIMITED
This company · 06033252
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 |
|---|---|---|---|---|
Carholme Dental Group Limited Corporate entity | 75–100% | — | 75-100% shares | 31/01/2018 |
1 historic (ceased) PSC
- Dr Anthony John Caleceased 31/01/2018· 75-100% shares
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.
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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
Incorporated2006-12-19
Jurisdictionengland-wales
Primary SIC86230 — Dental practice activities
Registered office
C/O Price Bailey Llp 3rd Floor
24 Old Bond Street
London
W1S 4AP
United Kingdom
Filing status
Accounts
Next due: 2026-12-31
Last made up to: 2025-03-31
Confirmation statement
Next due: 2026-12-09
Last: 2025-11-25
Officers (2 active · 3 resigned)
SCHONBERG, Jonathan David→
Activedirector · ~70y · appointed 2018-01-31
View their other companies + combined net worth →
STANEVICIENE, Gabriele→
Activedirector · ~53y · appointed 2018-01-31
View their other companies + combined net worth →
CALE, Anthony John, Dr→
Resignedsecretary · appointed 2016-11-25 · resigned 2018-01-31
CALE, Janet→
Resignedsecretary · appointed 2006-12-19 · resigned 2016-11-25
CALE, Anthony John, Dr→
Resigneddirector · ~71y · appointed 2006-12-19 · resigned 2018-01-31
Click a director name to see their full track record across all companies.
Mortgages & charges
4
Total charges
2
Outstanding
1
Active lenders
Status:Lender:4 of 4 shown
| Type | Properties | |||||
|---|---|---|---|---|---|---|
| outstanding | Santander Santander UK PLC (2294747) | A registered charge | 2 properties | 01/05/2025 | — | |
| outstanding | Santander Santander UK PLC | A registered charge | — | 01/05/2025 | — | |
| satisfied | Virgin Money Clydesdale Bank PLC (Trading as Both Clydesdale Bank and Yorkshire Bank) | A registered charge | — | 31/01/2018 | 04/07/2025 | |
| satisfied | Lloyds Banking Group The Royal Bank of Scotland PLC | Debenture | 1 property | 22/06/2011 | 06/05/2025 |
Click column headers to sort. Use filters above to narrow by status and lender.
Recent filings (98 total)
change-registered-office-address-company-with-date-old-address-new-address
address · AD01
2026-04-15
confirmation-statement-with-updates
confirmation-statement · CS01
2026-01-15
accounts-with-accounts-type-audit-exemption-subsiduary
accounts · AA
2025-12-20
legacy
accounts · PARENT_ACC
2025-12-20
legacy
other · GUARANTEE2
2025-12-20
legacy
other · AGREEMENT2
2025-12-20
mortgage-satisfy-charge-full
mortgage · MR04
2025-07-04
mortgage-create-with-deed-with-charge-number-charge-creation-date
mortgage · MR01
2025-05-08
mortgage-create-with-deed-with-charge-number-charge-creation-date
mortgage · MR01
2025-05-06
mortgage-satisfy-charge-full
mortgage · MR04
2025-05-06
accounts-with-accounts-type-audit-exemption-subsiduary
accounts · AA
2025-01-07
legacy
accounts · PARENT_ACC
2025-01-07
legacy
other · GUARANTEE2
2025-01-07
legacy
other · AGREEMENT2
2025-01-07
legacy
other · AGREEMENT2
2024-12-30