CALEDONIAN FINANCE LIMITED

🌳Matureactive
SC123931 · ltd · incorporated 1990-03-23
Investment thesis
Property vehicle with a workable charge structure — clean refinance potential.
Why interesting: Asset-backed; value largely in underlying property; lender engagement likely possible.
Why risky: Dependent on title and valuation due diligence; standard property risks.
Opportunity decay
approaching window · 12-months
Approaching a transaction window — refinance or sale event plausible in the next 12 months.
  • · Oldest live charge 6.5y old — refinance window within 12 months
🔒Estimated value
—
Upgrade to see
Turnover
—
year to Sept 2024
Net worth
—
book net assets
Opportunity
74/100
Strong
🔔
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What this business does
Primary activity: Buying and selling of own real estate
Sector: Real estate
ALSO REGISTERED FOR
  • 68201Renting and operating of Housing Association real estate
  • 68209Other letting and operating of own or leased real estate
  • 68320Management of real estate on a fee or contract basis
Investor take
Pursue
Strong opportunity: property-backed borrower with strong profile and bankable structure.

Opportunity 74/100 (strong), bankability 80/100. Share purchase looks the cleaner deal structure. Most likely exit: strategic trade sale (63/100).

🏦

Refinance opportunity

1 live charge · oldest 6.5y

85/100
ready

Refinance conversation should be productive — structure clean and timing right.

  • · Oldest live charge is 6.5 years old — likely at or near maturity.
  • · Single lender — cleanest path to refinance.
  • · Legal-friction score 15/100 — clean.

Data confidence

Overall: medium (77/100)

Adequate coverage. AI outputs are reliable for the sections scored high; verify the rest in diligence.

Company profile
address, 4 SIC codes, incorporation date
100
Financials
2 years of iXBRL accounts extracted (YoY deltas available) + narrative notes parsed
75
Lenders & charges
1 charges (1/1 with lender, 1/1 with type)
90
Directors & officers
14 officers (3 active, 14 linked, 8 with DOB)
81
Ownership & PSC
2 active PSC(s) of 4 total, 4 with control declared
90
Director network
Network not yet resolved
30
Filing history
124 filings on record
85
Gazette notices
No matching gazette notices (standard for active companies)
60
Opportunity Score
74/100Strong
PassWatchWorth a lookStrongExceptional 

Solid opportunity signal. Worth a dedicated memo and management meeting.

Business quality
70
Active, clean filings, stable charge profile.
Acquirability
50
Some acquirability indicators.
Risk profile
85
Few red flags.
Signal strength
100
Good data coverage for analysis.

Key financials

2 years extracted from filed iXBRL accounts
Cash
—
Net Worth
—
Current Assets
—
Current Liabilities
—
£0£0£0£0£0£0Sept 2023Sept 2024

Hover to see exact values · click legend to toggle series

Financials

Extracted from Companies House accounts · FRS 102
Metric2024-09-302023-09-30
Average employees200200

Amounts extracted automatically from iXBRL. Fields left blank were not reported or not mapped. Values in GBP unless stated.

🔒Filing-note intelligence

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

Last 30 days
0
filings
Last 90 days
0
filings
Last 180 days
0
filings
Counts from Companies House filing history.
Corporate timeline (45 events)Click to expand
  1. 2025-06-02
    📄
    accounts-with-accounts-type-total-exemption-full
    accounts · AA
  2. 2024-06-10
    📄
    accounts-with-accounts-type-total-exemption-full
    accounts · AA
  3. 2023-05-17
    📄
    accounts-with-accounts-type-total-exemption-full
    accounts · AA
  4. 2022-07-25
    📄
    accounts-with-accounts-type-total-exemption-full
    accounts · AA
  5. 2022-05-12
    📍
    change-registered-office-address-company-with-date-old-address-new-address
    address · AD01
  6. 2021-07-01
    📄
    change-to-a-person-with-significant-control
    persons-with-significant-control · PSC04
  7. 2021-07-01
    📄
    change-to-a-person-with-significant-control
    persons-with-significant-control · PSC04
  8. 2021-07-01
    📄
    change-to-a-person-with-significant-control
    persons-with-significant-control · PSC04
  9. 2021-01-11
    📄
    accounts-with-accounts-type-micro-entity
    accounts · AA
  10. 2020-11-30
    📄
    capital-allotment-shares
    capital · SH01
  11. 2020-06-08
    📄
    accounts-with-accounts-type-micro-entity
    accounts · AA
  12. 2019-10-17
    📄
    mortgage-create-with-deed-with-charge-number-charge-creation-date
    mortgage · MR01
  13. 2019-10-16
    🔒
    Charge registered #1
    Lender: The Mortgage Works (UK) PLC
  14. 2019-07-01
    📄
    accounts-amended-with-accounts-type-micro-entity
    accounts · AAMD
  15. 2019-06-18
    📄
    accounts-with-accounts-type-micro-entity
    accounts · AA
  16. 2019-05-22
    📄
    resolution
    resolution · RESOLUTIONS
  17. 2019-01-04
    📄
    cessation-of-a-person-with-significant-control
    persons-with-significant-control · PSC07
  18. 2019-01-04
    📄
    notification-of-a-person-with-significant-control
    persons-with-significant-control · PSC01
  19. 2019-01-04
    📄
    cessation-of-a-person-with-significant-control
    persons-with-significant-control · PSC07
  20. 2019-01-03
    ➕
    JOHNSTON, Matthew David Macrae appointed
    secretary
  21. 2019-01-03
    ➕
    GAUNT, Charlotte Mary appointed
    director
  22. 2019-01-03
    ➕
    JOHNSTON, Matthew David Macrae appointed
    director
  23. 2019-01-03
    ➖
    JOHNSTON, Stuart Graham resigned
    secretary
  24. 2019-01-03
    ➖
    HAMILTON, Anthony David Wilson resigned
    director
  25. 2019-01-03
    ➖
    JOHNSTON, Stuart Graham resigned
    director
  26. 2004-08-31
    ➖
    AMBLER, Richard Charles Quintin resigned
    secretary
  27. 2004-08-31
    ➕
    JOHNSTON, Stuart Graham appointed
    secretary
  28. 2004-08-31
    ➖
    AMBLER, Richard Charles Quintin resigned
    director
  29. 2004-08-31
    ➖
    AMBLER, Sally Ann resigned
    director
  30. 2004-08-31
    ➕
    JOHNSTON, Stuart Graham appointed
    director
  31. 2004-07-23
    ➕
    HAMILTON, Anthony David Wilson appointed
    director
  32. 1999-07-29
    ➕
    AMBLER, Sally Ann appointed
    director
  33. 1999-04-01
    ➖
    BUJOCZEK, Alan Rudolph resigned
    director
  34. 1992-02-28
    ➖
    MASSIE, Lindsay Stuart resigned
    director
  35. 1991-06-18
    ➕
    AMBLER, Richard Charles Quintin appointed
    secretary
  36. 1991-06-18
    ➖
    STEWART, William George Alexander resigned
    secretary
  37. 1990-09-19
    ➕
    MASSIE, Lindsay Stuart appointed
    director
  38. 1990-03-28
    ➕
    STEWART, William George Alexander appointed
    secretary
  39. 1990-03-28
    ➖
    HENDERSON BOYD JACKSON LIMITED resigned
    corporate-nominee-secretary
  40. 1990-03-28
    ➕
    AMBLER, Richard Charles Quintin appointed
    director
  41. 1990-03-28
    ➕
    BUJOCZEK, Alan Rudolph appointed
    director
  42. 1990-03-28
    ➖
    HENDERSON BOYD JACKSON LIMITED resigned
    corporate-nominee-director
  43. 1990-03-23
    🏢
    Company incorporated
    As CALEDONIAN FINANCE LIMITED
  44. 1990-03-23
    ➕
    HENDERSON BOYD JACKSON LIMITED appointed
    corporate-nominee-secretary
  45. 1990-03-23
    ➕
    HENDERSON BOYD JACKSON LIMITED appointed
    corporate-nominee-director

Owner dependency

58/100
Moderate — manageable with handover

Some founder dependency, but not acute. A structured handover period should cover most risk.

FACTORS
  • +Two-director setup: Only two active directors — typical of owner-managed SMEs but limits succession.

Succession & seller-readiness

46/100
Moderate signal

Some succession indicators present. Worth watching; approach if sector/strategy fits.

SIGNALS
  • secondaryTwo-director governance: Small-team governance. Succession depth is thin but not absent.
  • secondaryStable-but-static management: Company is 36 years old and no new directors in the last 3 years — succession not yet being planned internally.

Red flags

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

Shareholders & ownership

2 active beneficial owners · dominant holder ≥75%
NameSharesVoting rightsNature of controlNotified
Mr Matthew David Macrae Johnston
Individual · British · DOB 10/1989 · age 37
75–100%
25–50%75-100% shares · 75-100% voting04/01/2019
Mrs Charlotte Mary Gaunt
Individual · British · DOB 10/1988 · age 38
25–50%
25–50%25-50% shares · 25-50% voting04/01/2019
2 historic (ceased) PSCs
  • Mr Stuart Graham Johnstonceased 04/01/2019· 25-50% shares
  • Mr Anthony David Wilson Hamiltonceased 04/01/2019· 25-50% shares

From Companies House Persons with Significant Control filings. Share ranges are banded per the public PSC regime.

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Peers ranked by estimated value, then turnover, then opportunity score.See all →
🔒Tailored diligence questions

6 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
Incorporated1990-03-23
Jurisdictionscotland
Primary SIC68100 — Buying and selling of own real estate

Registered office

59 Dreghorn Loan
Edinburgh
EH13 0DA
Scotland

Filing status

Accounts
Next due: 2026-06-30
Last made up to: 2024-09-30
Confirmation statement
Next due: 2026-05-22
Last: 2025-05-08

Officers (3 active · 11 resigned)

JOHNSTON, Matthew David Macrae→
secretary · appointed 2019-01-03
View their other companies + combined net worth →
Active
GAUNT, Charlotte Mary→
director · ~38y · appointed 2019-01-03
View their other companies + combined net worth →
Active
JOHNSTON, Matthew David Macrae→
director · ~37y · appointed 2019-01-03
View their other companies + combined net worth →
Active
AMBLER, Richard Charles Quintin→
secretary · appointed 1991-06-18 · resigned 2004-08-31
Resigned
JOHNSTON, Stuart Graham→
secretary · appointed 2004-08-31 · resigned 2019-01-03
Resigned
STEWART, William George Alexander→
secretary · appointed 1990-03-28 · resigned 1991-06-18
Resigned
HENDERSON BOYD JACKSON LIMITED→
corporate-nominee-secretary · appointed 1990-03-23 · resigned 1990-03-28
Resigned
AMBLER, Richard Charles Quintin→
director · ~71y · appointed 1990-03-28 · resigned 2004-08-31
Resigned
AMBLER, Sally Ann→
director · ~68y · appointed 1999-07-29 · resigned 2004-08-31
Resigned
BUJOCZEK, Alan Rudolph→
director · ~77y · appointed 1990-03-28 · resigned 1999-04-01
Resigned
HAMILTON, Anthony David Wilson→
director · ~80y · appointed 2004-07-23 · resigned 2019-01-03
Resigned
JOHNSTON, Stuart Graham→
director · ~66y · appointed 2004-08-31 · resigned 2019-01-03
Resigned
MASSIE, Lindsay Stuart→
director · ~70y · appointed 1990-09-19 · resigned 1992-02-28
Resigned
HENDERSON BOYD JACKSON LIMITED→
corporate-nominee-director · appointed 1990-03-23 · resigned 1990-03-28
Resigned

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

Mortgages & charges

1
Total charges
1
Outstanding
1
Active lenders
Status:Lender:1 of 1 shown
TypeProperties
outstanding
The Mortgage Works (UK)
The Mortgage Works (UK) PLC
A registered charge1 property16/10/2019—
Click column headers to sort. Use filters above to narrow by status and lender.

Recent filings (124 total)

accounts-with-accounts-type-total-exemption-full
accounts · AA
2025-06-02
confirmation-statement-with-no-updates
confirmation-statement · CS01
2025-05-23
accounts-with-accounts-type-total-exemption-full
accounts · AA
2024-06-10
confirmation-statement-with-no-updates
confirmation-statement · CS01
2024-05-15
accounts-with-accounts-type-total-exemption-full
accounts · AA
2023-05-17
confirmation-statement-with-no-updates
confirmation-statement · CS01
2023-05-17
accounts-with-accounts-type-total-exemption-full
accounts · AA
2022-07-25
confirmation-statement-with-updates
confirmation-statement · CS01
2022-05-19
change-registered-office-address-company-with-date-old-address-new-address
address · AD01
2022-05-12
change-to-a-person-with-significant-control
persons-with-significant-control · PSC04
2021-07-01
change-to-a-person-with-significant-control
persons-with-significant-control · PSC04
2021-07-01
change-to-a-person-with-significant-control
persons-with-significant-control · PSC04
2021-07-01
confirmation-statement-with-updates
confirmation-statement · CS01
2021-05-11
accounts-with-accounts-type-micro-entity
accounts · AA
2021-01-11
capital-allotment-shares
capital · SH01
2020-11-30