CADDY HOLDINGS BRIDGEND LIMITED
- · Oldest live charge 12.7y old — refinance window within 12 months
Opportunity 75/100 (strong), bankability 65/100. Strong seller-intent signal (68/100, director aged 75). Share purchase looks the cleaner deal structure. Most likely exit: share sale to pe / searcher (73/100).
Refinance opportunity
12 live charges · 2 lenders · oldest 12.7y
Refinance viable after a tidy-up — address the highlighted items first.
- · Oldest live charge is 12.7 years old — likely at or near maturity.
- · Two lenders — manageable, but coordination required.
- · Legal-friction score 30/100 — workable, but lender will want more DD.
Data confidence
Overall: high (87/100)Strong data coverage across all sections. AI outputs should be trusted with minimal caveats.
Solid opportunity signal. Worth a dedicated memo and management meeting.
Key financials
3 years extracted from filed iXBRL accountsHover to see exact values · click legend to toggle series
Financials
Extracted from Companies House accounts · FRS 102| Metric | 2025-10-31 | 2024-10-31 | 2023-10-31 |
|---|---|---|---|
| Total assets | — | £985.4k | £986.7k |
| Current assets | — | £411.6k | £340.1k |
| Cash | — | £9.1k | £21.3k |
| Debtors | — | £402.5k | £318.8k |
| Net assets | — | £978.9k | £974.5k |
| Average employees | 2 | — | — |
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 accounts
- • 1 miscellaneous
- • 1 accounts
- • 1 miscellaneous
- • 1 confirmation-statement
- • 1 accounts
- • 1 miscellaneous
- • 1 confirmation-statement
Corporate timeline (32 events)Click to expand
- 2026-07-27📄accounts-with-accounts-type-total-exemption-fullaccounts · AA
- 2026-07-25📄legacymiscellaneous · RPCH01
- 2025-07-28📄accounts-with-accounts-type-total-exemption-fullaccounts · AA
- 2024-07-30📄accounts-with-accounts-type-total-exemption-fullaccounts · AA
- 2023-10-17📄mortgage-create-with-deed-with-charge-number-charge-creation-datemortgage · MR01
- 2023-10-13📄mortgage-create-with-deed-with-charge-number-charge-creation-datemortgage · MR01
- 2023-10-13🔒Charge registered #12Lender: Spf Bridging LTD
- 2023-10-13🔒Charge registered #11Lender: Spf Bridging LTD
- 2023-05-24📄accounts-with-accounts-type-total-exemption-fullaccounts · AA
- 2022-11-15📄accounts-amended-with-accounts-type-total-exemption-fullaccounts · AAMD
- 2022-06-23📄accounts-with-accounts-type-total-exemption-fullaccounts · AA
- 2021-07-29📄accounts-with-accounts-type-total-exemption-fullaccounts · AA
- 2020-03-19📄accounts-with-accounts-type-total-exemption-fullaccounts · AA
- 2019-07-08📄accounts-with-accounts-type-total-exemption-fullaccounts · AA
- 2018-08-24📄capital-name-of-class-of-sharescapital · SH08
- 2018-08-06📄resolutionresolution · RESOLUTIONS
- 2018-06-06📄accounts-with-accounts-type-total-exemption-fullaccounts · AA
- 2017-07-31📄accounts-with-accounts-type-total-exemption-smallaccounts · AA
- 2016-01-13🔒Charge registered #10Lender: National Westminster Bank PLC
- 2016-01-01🔒Charge registered #9Lender: National Westminster Bank PLC
- 2015-12-08🔓Charge satisfied #8
- 2014-03-17🔒Charge registered #8Lender: National Westminster Bank PLC
- 2013-12-02🔒Charge registered #7Lender: National Westminster Bank PLC
- 2013-12-02🔒Charge registered #6Lender: National Westminster Bank PLC
- 2013-12-02🔒Charge registered #5Lender: National Westminster Bank PLC
- 2013-12-02🔒Charge registered #4Lender: National Westminster Bank PLC
- 2013-12-02🔒Charge registered #3Lender: National Westminster Bank PLC
- 2013-12-02🔒Charge registered #2Lender: National Westminster Bank PLC
- 2013-11-05🔒Charge registered #1Lender: National Westminster Bank PLC
- 2013-06-17🏢Company incorporatedAs CADDY HOLDINGS BRIDGEND LIMITED
- 2013-06-17➕CADDY, Charles Nicholas appointeddirector
- 2013-06-17➕CADDY, Peter Robert 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 "CADDY" — strong identity link between founder and business.
- +Founder age: Director aged approximately 75 — succession pressure is live.
- +Family involvement: Multiple officers share a surname — likely family business, which concentrates governance.
- +No director turnover: Company is 13 years old with no director changes — suggests a very tight-knit founder team never broadened.
Succession & seller-readiness
Strong acquirability signals converging. Worth approaching directly — this is how off-market deals start.
- primaryFounder aged 70+: Senior director is approximately 75 years old. Natural succession window is now.
- secondaryTwo-director governance: Small-team governance. Succession depth is thin but not absent.
- secondary12+ year tenure: Director in role 13 years.
- supportingClean filings + long tenure: Disciplined long-tenure operator — classic lifestyle-business pattern that often sells quietly.
Red flags
1 lowHeavily leveraged with multiple live security positions — understand the capital structure before proceeding.
Shareholders & ownership
2 active beneficial owners| Name | Shares | Voting rights | Nature of control | Notified |
|---|---|---|---|---|
Mr Charles Nicholas Caddy Individual · Welsh · DOB 11/1959 · age 67 | 25–50% | — | 25-50% shares | 06/04/2016 |
Mr Peter Robert Caddy Individual · British · DOB 10/1951 · age 75 | 25–50% | — | 25-50% shares | 06/04/2016 |
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.
See pricing →Similar companies
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| BREATHE PROMOTIONS LTD→ 09308815 · est 2014 · no financials extracted | — | — | — | — | 11y | — | — |
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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 →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.
Mortgages & charges
| Type | Properties | |||||
|---|---|---|---|---|---|---|
| outstanding | Spf Bridging Spf Bridging LTD | A registered charge | 1 property | 13/10/2023 | — | |
| outstanding | Spf Bridging Spf Bridging LTD | A registered charge | 1 property | 13/10/2023 | — | |
| outstanding | National Westminster Bank National Westminster Bank PLC | A registered charge | 1 property | 13/01/2016 | — | |
| outstanding | National Westminster Bank National Westminster Bank PLC | A registered charge | 1 property | 01/01/2016 | — | |
| satisfied | National Westminster Bank National Westminster Bank PLC | A registered charge | 1 property | 17/03/2014 | 08/12/2015 | |
| outstanding | National Westminster Bank National Westminster Bank PLC | A registered charge | 1 property | 02/12/2013 | — | |
| outstanding | National Westminster Bank National Westminster Bank PLC | A registered charge | 1 property | 02/12/2013 | — | |
| outstanding | National Westminster Bank National Westminster Bank PLC | A registered charge | 1 property | 02/12/2013 | — | |
| outstanding | National Westminster Bank National Westminster Bank PLC | A registered charge | 1 property | 02/12/2013 | — | |
| outstanding | National Westminster Bank National Westminster Bank PLC | A registered charge | 1 property | 02/12/2013 | — | |
| outstanding | National Westminster Bank National Westminster Bank PLC | A registered charge | 1 property | 02/12/2013 | — | |
| outstanding | National Westminster Bank National Westminster Bank PLC | A registered charge | 1 property | 05/11/2013 | — |