CAULDER FINANCIAL SERVICES LIMITED
Opportunity 43/100 (watch), bankability 50/100. High owner-dependency — earn-out structure likely required for clean transition. Biggest value-creation lever: Resolve: Company in liquidation. Company is actively being wound up. Not a going concern. Most likely exit: distressed disposal / insolvency (65/100). Current lenders should be on monthly review.
Data confidence
Overall: medium (72/100)Adequate coverage. AI outputs are reliable for the sections scored high; verify the rest in diligence.
Not actionable now, but monitor — distressed, succession, or structural changes could flip this into a real opportunity.
Signals from accounts
Derived from iXBRL accounts · FRS 105 (micro)Key financials
1 year extracted from filed iXBRL accountsFinancials
Extracted from Companies House accounts · FRS 105 (micro)| Metric | 2026-03-25 |
|---|---|
| Total assets | £1.37M |
| Current assets | £1.39M |
| Net assets | £1.37M |
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
- • 1 address
- • 2 address
- • 2 insolvency
- • 1 resolution
- • 4 accounts
- • 2 address
- • 2 insolvency
Corporate timeline (20 events)Click to expand
- 2026-07-05📍change-sail-address-company-with-new-addressaddress · AD02
- 2026-04-17📍change-registered-office-address-company-with-date-old-address-new-addressaddress · AD01
- 2026-04-17⚠️liquidation-voluntary-declaration-of-solvencyinsolvency · LIQ01
- 2026-04-17⚠️liquidation-voluntary-appointment-of-liquidatorinsolvency · 600
- 2026-04-17📄resolutionresolution · RESOLUTIONS
- 2026-03-30📄accounts-with-accounts-type-micro-entityaccounts · AA
- 2026-03-27📄change-account-reference-date-company-previous-shortenedaccounts · AA01
- 2026-03-24📄accounts-amended-with-accounts-type-micro-entityaccounts · AAMD
- 2026-03-06📄accounts-with-accounts-type-micro-entityaccounts · AA
- 2025-02-07📄accounts-with-accounts-type-micro-entityaccounts · AA
- 2024-02-09📄accounts-with-accounts-type-micro-entityaccounts · AA
- 2023-01-19📄accounts-with-accounts-type-micro-entityaccounts · AA
- 2022-01-28📄accounts-with-accounts-type-micro-entityaccounts · AA
- 2021-04-28📄accounts-amended-with-accounts-type-micro-entityaccounts · AAMD
- 2021-04-16📄accounts-with-accounts-type-micro-entityaccounts · AA
- 2020-04-29📄accounts-with-accounts-type-micro-entityaccounts · AA
- 2019-02-25📄accounts-with-accounts-type-micro-entityaccounts · AA
- 2016-01-14➕CAULDER, Cheryl appointeddirector
- 2012-12-18🏢Company incorporatedAs CAULDER FINANCIAL SERVICES LIMITED
- 2012-12-18➕CAULDER, Alexander Charles appointeddirector
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.
- +Founder name in company name: Company name contains director surname "CAULDER" — strong identity link between founder and business.
- +Family involvement: Multiple officers share a surname — likely family business, which concentrates governance.
- +No director turnover: Company is 14 years old with no director changes — suggests a very tight-knit founder team never broadened.
Succession & seller-readiness
Some succession indicators present. Worth watching; approach if sector/strategy fits.
- secondaryTwo-director governance: Small-team governance. Succession depth is thin but not absent.
- secondary12+ year tenure: Director in role 14 years.
- supportingClean filings + long tenure: Disciplined long-tenure operator — classic lifestyle-business pattern that often sells quietly.
Red flags
2 high · 1 lowCompany 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: 2026-04-17: liquidation-voluntary-declaration-of-solvency; 2026-04-17: liquidation-voluntary-appointment-of-liquidator
Multiple address changes in a short period can indicate operational instability or admin disorder.
Shareholders & ownership
1 active beneficial owner · dominant holder ≥75%| Name | Shares | Voting rights | Nature of control | Notified |
|---|---|---|---|---|
Mr Alexander Charles Caulder Individual · English · DOB 08/1969 · age 57 | 75–100% | — | 75-100% shares | 18/12/2016 |
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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9 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 (2 active · 0 resigned)
Click a director name to see their full track record across all companies.