CALIRO LIMITED
Opportunity 72/100 (strong), bankability 75/100. High owner-dependency — earn-out structure likely required for clean transition. Share purchase looks the cleaner deal structure. Biggest value-creation lever: Broaden director team. Sole director creates succession risk and reduces buyer comfort. Appoint a second director or strong #2. Most likely exit: distressed disposal / insolvency (65/100).
Refinance opportunity
2 live charges · 2 lenders · oldest 3.5y
Refinance would be pressure-driven, not opportunity-driven. Expect tighter margins and covenant scrutiny.
- · Charge age ~3.5 years — mid-life; refi window approaching.
- · Two lenders — manageable, but coordination required.
- · Distress signals active — lender appetite narrows.
Data confidence
Overall: medium (78/100)Adequate coverage. AI outputs are reliable for the sections scored high; verify the rest in diligence.
Solid opportunity signal. Worth a dedicated memo and management meeting.
Signals from accounts
Derived from iXBRL accounts · FRS 105 (micro)Key financials
2 years extracted from filed iXBRL accountsHover to see exact values · click legend to toggle series
Financials
Extracted from Companies House accounts · FRS 105 (micro)| Metric | 2025-07-31 | 2024-07-31 |
|---|---|---|
| Total assets | £443.5k | £446.3k |
| Current assets | £5.2k | £7.8k |
| Net assets | £-7.1k | £-10.2k |
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
Corporate timeline (21 events)Click to expand
- 2025-10-30📄accounts-with-accounts-type-micro-entityaccounts · AA
- 2025-05-12📄change-person-director-company-with-change-dateofficers · CH01
- 2025-05-12📄change-to-a-person-with-significant-controlpersons-with-significant-control · PSC04
- 2025-05-09📍change-registered-office-address-company-with-date-old-address-new-addressaddress · AD01
- 2025-02-07📍change-registered-office-address-company-with-date-old-address-new-addressaddress · AD01
- 2024-11-01📄accounts-with-accounts-type-micro-entityaccounts · AA
- 2024-07-08📄change-to-a-person-with-significant-controlpersons-with-significant-control · PSC04
- 2024-07-08📄change-person-director-company-with-change-dateofficers · CH01
- 2024-04-15📄accounts-with-accounts-type-micro-entityaccounts · AA
- 2023-04-20📄mortgage-create-with-deed-with-charge-number-charge-creation-datemortgage · MR01
- 2023-04-14🔒Charge registered #2Lender: Onesavings Bank PLC
- 2023-04-13📄memorandum-articlesincorporation · MA
- 2023-04-13📄resolutionresolution · RESOLUTIONS
- 2023-03-29📄accounts-with-accounts-type-micro-entityaccounts · AA
- 2022-10-31📍change-registered-office-address-company-with-date-old-address-new-addressaddress · AD01
- 2022-10-27📄mortgage-create-with-deed-with-charge-number-charge-creation-datemortgage · MR01
- 2022-10-24🔒Charge registered #1Lender: The Mortgage Lender Limited
- 2021-11-17📄accounts-with-accounts-type-micro-entityaccounts · AA
- 2020-07-06🏢Company incorporatedAs CALIRO LIMITED
- 2020-07-06➕MORRISON, James appointeddirector
- 2020-07-06📄incorporation-companyincorporation · NEWINC
Owner dependency
The business appears inseparable from the founder. Acquisition without a serious earn-out or meaningful transition period would likely destroy value.
- +Sole director: Only one active director — all governance concentrated on one person.
- +No director turnover: Company is 6 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.
- primarySole active director: Only one director in control. No visible successor — buyers solve the succession problem.
Red flags
1 lowMultiple 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 James Morrison Individual · British · DOB 10/1978 · age 48 | 75–100% | 75–100% | board control75-100% shares · 75-100% voting · board control | 06/07/2020 |
From Companies House Persons with Significant Control filings. Share ranges are banded per the public PSC regime.
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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 →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 (1 active · 0 resigned)
Click a director name to see their full track record across all companies.
Mortgages & charges
| Type | Properties | |||||
|---|---|---|---|---|---|---|
| outstanding | Onesavings Bank Onesavings Bank PLC | A registered charge | 1 property | 14/04/2023 | — | |
| outstanding | The Mortgage Lender The Mortgage Lender Limited | A registered charge | 1 property | 24/10/2022 | — |