CALORIDE LIMITED

🌳Matureactive
SC392459 · ltd · incorporated 2011-01-28
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 11.0y old — refinance window within 12 months
🔒Estimated value
—
Upgrade to see
Turnover
—
year to Jan 2025
Net worth
—
book net assets
Opportunity
82/100
Exceptional
🔔
Follow this company (free)
Email alerts on filings, charges, director changes, gazette notices. No account needed.

Unsubscribe any time from any email. GDPR-respectful.

🔒Generate AI memo →🔒Outreach pack →🔒Corporate story →📑 Reports →Sign in to watch
What this business does
Primary activity: Buying and selling of own real estate
Sector: Real estate
Investor take
Pursue
Active trading company with a 63-year-old founder — textbook succession opportunity.

Opportunity 82/100 (exceptional), bankability 85/100. Strong seller-intent signal (80/100, director aged 63). Share purchase looks the cleaner deal structure. Most likely exit: share sale to pe / searcher (73/100).

🏦

Refinance opportunity

2 live charges · oldest 11.0y

85/100
ready

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

  • · Oldest live charge is 11.0 years old — likely at or near maturity.
  • · Single lender — cleanest path to refinance.
  • · Legal-friction score 15/100 — clean.

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
2 charges (2/2 with lender, 2/2 with type)
90
Directors & officers
2 officers (2 active, 2 linked, 2 with DOB)
90
Ownership & PSC
2 active PSC(s) of 2 total, 2 with control declared
90
Director network
2 connected companies via shared directors
51
Filing history
34 filings on record
85
Gazette notices
No matching gazette notices (standard for active companies)
60
Opportunity Score
82/100Exceptional
PassWatchWorth a lookStrongExceptional 

Strong composite across quality, acquirability, and risk. High-priority target — progress to serious diligence.

Business quality
70
Active, clean filings, stable charge profile.
Acquirability
80
Strong succession / seller-readiness signals.
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£2k£4k£6k£8k£10kJan 2024Jan 2025

Hover to see exact values · click legend to toggle series

Financials

Extracted from Companies House accounts · FRS 105 (micro)
Metric2025-01-312024-01-31
Total assets—£8.6k
Current assets—£9.8k
Net assets—£8.6k

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
1
filing
  • • 1 confirmation-statement
Counts from Companies House filing history.
Corporate timeline (22 events)Click to expand
  1. 2025-08-05
    📄
    accounts-with-accounts-type-micro-entity
    accounts · AA
  2. 2025-01-24
    📄
    accounts-with-accounts-type-micro-entity
    accounts · AA
  3. 2023-05-24
    📄
    accounts-with-accounts-type-micro-entity
    accounts · AA
  4. 2022-07-13
    📄
    mortgage-satisfy-charge-full
    mortgage · MR04
  5. 2022-07-13
    📄
    mortgage-satisfy-charge-full
    mortgage · MR04
  6. 2022-07-13
    🔓
    Charge satisfied #2
  7. 2022-07-13
    🔓
    Charge satisfied #1
  8. 2022-05-09
    📄
    accounts-with-accounts-type-micro-entity
    accounts · AA
  9. 2021-08-18
    📄
    accounts-with-accounts-type-micro-entity
    accounts · AA
  10. 2020-08-24
    📄
    accounts-with-accounts-type-micro-entity
    accounts · AA
  11. 2019-06-12
    📄
    accounts-with-accounts-type-micro-entity
    accounts · AA
  12. 2018-04-30
    📄
    accounts-with-accounts-type-micro-entity
    accounts · AA
  13. 2017-05-23
    📄
    accounts-with-accounts-type-micro-entity
    accounts · AA
  14. 2016-05-27
    📄
    accounts-with-accounts-type-total-exemption-small
    accounts · AA
  15. 2016-02-04
    📄
    annual-return-company-with-made-up-date-full-list-shareholders
    annual-return · AR01
  16. 2015-06-02
    📄
    mortgage-create-with-deed-with-charge-number-charge-creation-date
    mortgage · MR01
  17. 2015-05-22
    🔒
    Charge registered #2
    Lender: Bank of Scotland PLC
  18. 2015-05-16
    📄
    mortgage-create-with-deed-with-charge-number-charge-creation-date
    mortgage · MR01
  19. 2015-05-14
    🔒
    Charge registered #1
    Lender: Bank of Scotland PLC
  20. 2011-01-28
    🏢
    Company incorporated
    As CALORIDE LIMITED
  21. 2011-01-28
    ➕
    FINNIE, Deborah Catherine Audrey, Mrs. appointed
    director
  22. 2011-01-28
    ➕
    FINNIE, Richard John, Mr. appointed
    director

Owner dependency

89/100
Critical — business is the founder

The business appears inseparable from the founder. Acquisition without a serious earn-out or meaningful transition period would likely destroy value.

FACTORS
  • +Two-director setup: Only two active directors — typical of owner-managed SMEs but limits succession.
  • +Long-tenure founder: Senior director has been in place 15 years — deep operational knowledge concentrated in one person.
  • +Senior director age: Director aged approximately 63 — approaching natural succession window.
  • +Family involvement: Multiple officers share a surname — likely family business, which concentrates governance.
  • +No director turnover: Company is 15 years old with no director changes — suggests a very tight-knit founder team never broadened.

Succession & seller-readiness

79/100
Likely off-market candidate

Strong acquirability signals converging. Worth approaching directly — this is how off-market deals start.

SIGNALS
  • primaryFounder aged 63+: Senior director is approximately 63. Approaching typical UK retirement age — succession thinking likely.
  • secondaryTwo-director governance: Small-team governance. Succession depth is thin but not absent.
  • secondary12+ year tenure: Director in role 15 years.
  • secondaryStable-but-static management: Company is 15 years old and no new directors in the last 3 years — succession not yet being planned internally.
  • 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.)

Shareholders & ownership

2 active beneficial owners
NameSharesVoting rightsNature of controlNotified
Mr. Richard John Finnie
Individual · British · DOB 06/1963 · age 63
25–50%
—25-50% shares06/04/2016
Mrs. Deborah Catherine Audrey Finnie
Individual · British · DOB 02/1965 · age 61
25–50%
—25-50% shares06/04/2016

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 →

Similar companies

Active · Property · KY postcode area
CompanyEst. valueTurnoverNet worthStaffAgeOppDirector
A J W PROPERTIES (SCOTLAND) LIMITED→
SC254914 · est 2003
£631.0k
£536.4k–£725.7k
—£631.0k—22y8273y
BENTHEAD DEVELOPMENTS LIMITED→
SC123999 · est 1990
£469.5k
£399.1k–£539.9k
—£469.5k—36y8265y
ABBEYFORT HOLIDAYS LIMITED→
SC301687 · est 2006
£408.0k
£346.8k–£469.2k
—£408.0k—20y8361y
TAYLOR BROTHERS (PROPERTY DEVELOPMENT) LIMITED→
SC058985 · est 1975
£314.3k
£267.2k–£361.5k
—£314.3k—50y8379y
BRAEFIELD LIMITED→
SC158886 · est 1995
£276.5k
£235.1k–£318.0k
—£276.5k—30y8274y
MERLIN HOUSE LIMITED→
SC216220 · est 2001
£40.5k
£34.4k–£46.6k
—£40.5k—25y8364y
ARDCRAIG DEVELOPMENTS LIMITED→
SC177712 · est 1997
£8.2k
£7.0k–£9.5k
—£8.2k—28y8278y
STIRLING DEVELOPMENTS LIMITED→
SC200452 · est 1999
———726y8761y
BPR PROPERTIES LIMITED→
SC295430 · est 2006
———020y8365y
KKR LIMITED→
SC059312 · est 1976
———40050y8389y
ALBION INVESTMENTS LIMITED→
SC182475 · est 1998
———20028y8269y
CLAIRMARK LIMITED→
SC237146 · est 2002
———123y8264y
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
Incorporated2011-01-28
Jurisdictionscotland
Primary SIC68100 — Buying and selling of own real estate

Registered office

Cairnfield 14 School Road
Balmullo
St. Andrews
Fife
KY16 0BD

Filing status

Accounts
Next due: 2026-10-31
Last made up to: 2025-01-31
Confirmation statement
Next due: 2027-02-11
Last: 2026-01-28

Officers (2 active · 0 resigned)

FINNIE, Deborah Catherine Audrey, Mrs.→
director · ~61y · appointed 2011-01-28
View their other companies + combined net worth →
Active
FINNIE, Richard John, Mr.→
director · ~63y · appointed 2011-01-28
View their other companies + combined net worth →
Active

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

Mortgages & charges

2
Total charges
0
Outstanding
0
Active lenders
Status:Lender:2 of 2 shown
TypeProperties
satisfied
Lloyds Banking Group
Bank of Scotland PLC
A registered charge1 property22/05/201513/07/2022
satisfied
Lloyds Banking Group
Bank of Scotland PLC
A registered charge—14/05/201513/07/2022

Recent filings (34 total)

confirmation-statement-with-updates
confirmation-statement · CS01
2026-01-29
accounts-with-accounts-type-micro-entity
accounts · AA
2025-08-05
confirmation-statement-with-updates
confirmation-statement · CS01
2025-01-30
accounts-with-accounts-type-micro-entity
accounts · AA
2025-01-24
confirmation-statement-with-updates
confirmation-statement · CS01
2024-02-01
accounts-with-accounts-type-micro-entity
accounts · AA
2023-05-24
confirmation-statement-with-updates
confirmation-statement · CS01
2023-02-02
mortgage-satisfy-charge-full
mortgage · MR04
2022-07-13
mortgage-satisfy-charge-full
mortgage · MR04
2022-07-13
accounts-with-accounts-type-micro-entity
accounts · AA
2022-05-09
confirmation-statement-with-updates
confirmation-statement · CS01
2022-01-28
accounts-with-accounts-type-micro-entity
accounts · AA
2021-08-18
confirmation-statement-with-updates
confirmation-statement · CS01
2021-01-28
accounts-with-accounts-type-micro-entity
accounts · AA
2020-08-24
confirmation-statement-with-updates
confirmation-statement · CS01
2020-01-30