CALEDONIAN LOANS LIMITED

🌳Matureactive
09534244 · ltd · incorporated 2015-04-09
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
—
year to Apr 2025
Net worth
£49.0k
book net assets
Opportunity
79/100
Strong
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What this business does
Primary activity: Other credit granting n.e.c.
Sector: Financial & insurance
Investor take
Pursue
Asset-holding vehicle with a 68-year-old founder — textbook succession opportunity.

Opportunity 79/100 (strong), bankability 75/100. Strong seller-intent signal (68/100, director aged 68). Share purchase looks the cleaner deal structure. Most likely exit: strategic trade sale (73/100).

Data confidence

Overall: high (80/100)

Strong data coverage across all sections. AI outputs should be trusted with minimal caveats.

Company profile
address, 1 SIC codes, incorporation date
100
Financials
2 years of iXBRL accounts extracted (YoY deltas available) + narrative notes parsed
75
Lenders & charges
Confirmed no charges registered
85
Directors & officers
3 officers (3 active, 3 linked, 2 with DOB)
83
Ownership & PSC
1 active PSC(s) of 1 total, 1 with control declared
90
Director network
6 connected companies via shared directors
63
Filing history
27 filings on record
85
Gazette notices
No matching gazette notices (standard for active companies)
60
Opportunity Score
79/100Strong
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
85
Few red flags.
Signal strength
90
Good data coverage for analysis.

Signals from accounts

Derived from iXBRL accounts · FRS 102
Positive net assets
Net assets £49,034
Cash YoY
+102%
Year on year

Key financials

2 years extracted from filed iXBRL accounts
Cash
£3k
↑ 102% YoY
Net Worth
£49k
↑ 7.8% YoY
Current Assets
£5.3m
↑ 3.6% YoY
Current Liabilities
—
£0£1.1m£2.1m£3.2m£4.3m£5.3mApr 2024Apr 2025

Hover to see exact values · click legend to toggle series

Financials

Extracted from Companies House accounts · FRS 102
Metric2025-04-302024-04-30
Total assets£49.0k£45.5k
Current assets£5.33M£5.14M
Cash£3.3k£1.6k
Debtors£5.32M£5.14M
Net assets£49.0k£45.5k

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
1
filing
  • • 1 accounts
Counts from Companies House filing history.
Corporate timeline (19 events)Click to expand
  1. 2026-01-28
    📄
    accounts-with-accounts-type-unaudited-abridged
    accounts · AA
  2. 2025-01-30
    📄
    accounts-with-accounts-type-unaudited-abridged
    accounts · AA
  3. 2024-01-31
    📄
    accounts-with-accounts-type-unaudited-abridged
    accounts · AA
  4. 2023-01-06
    📄
    accounts-with-accounts-type-unaudited-abridged
    accounts · AA
  5. 2022-02-15
    📄
    change-to-a-person-with-significant-control
    persons-with-significant-control · PSC05
  6. 2022-01-06
    📄
    accounts-with-accounts-type-unaudited-abridged
    accounts · AA
  7. 2021-01-29
    📄
    accounts-with-accounts-type-micro-entity
    accounts · AA
  8. 2020-01-22
    📄
    accounts-with-accounts-type-micro-entity
    accounts · AA
  9. 2019-01-25
    📄
    accounts-with-accounts-type-micro-entity
    accounts · AA
  10. 2019-01-15
    📍
    change-registered-office-address-company-with-date-old-address-new-address
    address · AD01
  11. 2018-01-29
    📄
    accounts-with-accounts-type-dormant
    accounts · AA
  12. 2017-01-04
    📄
    accounts-with-accounts-type-dormant
    accounts · AA
  13. 2016-11-30
    ➕
    BULLOCH, Gaynor Carruthers appointed
    secretary
  14. 2016-11-30
    ➕
    DOWDELLS, Stephen Morgan appointed
    director
  15. 2016-11-30
    📄
    appoint-person-secretary-company-with-name-date
    officers · AP03
  16. 2016-11-30
    📄
    appoint-person-director-company-with-name-date
    officers · AP01
  17. 2016-11-29
    📄
    resolution
    resolution · RESOLUTIONS
  18. 2015-04-09
    🏢
    Company incorporated
    As CALEDONIAN LOANS LIMITED
  19. 2015-04-09
    ➕
    MURRAY, Craig William appointed
    director

Owner dependency

73/100
High — earn-out structure required

Material 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 68 — succession pressure is live.

Succession & seller-readiness

61/100
Strong succession signal

Multiple signals suggest succession is on the horizon. Candidate for proactive outreach.

SIGNALS
  • primaryFounder aged 63+: Senior director is approximately 68. Approaching typical UK retirement age — succession thinking likely.
  • secondaryTwo-director governance: Small-team governance. Succession depth is thin but not absent.
  • supportingClean filings + long tenure: Disciplined long-tenure operator — classic lifestyle-business pattern that often sells quietly.

Red flags

clean
No red flags detected from available public data. (This is not a clean bill of health — detailed accounts review still recommended.)

Group structure

Caledonian Consumer Finance Ltd is the ultimate parent — holding 75%+ shares. This company sits inside their group.

🏛️
Caledonian Consumer Finance Ltd
Corporate parent · holds 75-100% shares
ultimate parent
⬇
CALEDONIAN LOANS LIMITED
This company · 09534244

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%
NameSharesVoting rightsNature of controlNotified
Caledonian Consumer Finance Ltd
Corporate entity
75–100%
—75-100% shares14/11/2016

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 →

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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
Incorporated2015-04-09
Jurisdictionengland-wales
Primary SIC64929 — Other credit granting n.e.c.

Registered office

Pacific House Fletcher Way
Parkhouse
Carlisle
CA3 0LJ
England

Filing status

Accounts
Next due: 2027-01-31
Last made up to: 2025-04-30
Confirmation statement
Next due: 2026-11-27
Last: 2025-11-13

Officers (3 active · 0 resigned)

BULLOCH, Gaynor Carruthers→
secretary · appointed 2016-11-30
View their other companies + combined net worth →
Active
DOWDELLS, Stephen Morgan→
director · ~63y · appointed 2016-11-30
View their other companies + combined net worth →
Active
MURRAY, Craig William→
director · ~68y · appointed 2015-04-09
View their other companies + combined net worth →
Active

Click a director name to see their full track record across all companies.

Recent filings (27 total)

accounts-with-accounts-type-unaudited-abridged
accounts · AA
2026-01-28
confirmation-statement-with-no-updates
confirmation-statement · CS01
2025-11-13
accounts-with-accounts-type-unaudited-abridged
accounts · AA
2025-01-30
confirmation-statement-with-no-updates
confirmation-statement · CS01
2024-12-04
accounts-with-accounts-type-unaudited-abridged
accounts · AA
2024-01-31
confirmation-statement-with-no-updates
confirmation-statement · CS01
2023-12-05
accounts-with-accounts-type-unaudited-abridged
accounts · AA
2023-01-06
confirmation-statement-with-no-updates
confirmation-statement · CS01
2022-12-05
change-to-a-person-with-significant-control
persons-with-significant-control · PSC05
2022-02-15
accounts-with-accounts-type-unaudited-abridged
accounts · AA
2022-01-06
confirmation-statement-with-no-updates
confirmation-statement · CS01
2021-12-02
accounts-with-accounts-type-micro-entity
accounts · AA
2021-01-29
confirmation-statement-with-no-updates
confirmation-statement · CS01
2021-01-06
accounts-with-accounts-type-micro-entity
accounts · AA
2020-01-22
confirmation-statement-with-no-updates
confirmation-statement · CS01
2019-12-11