CALEDONIA ASSET FINANCE LTD

🏛️Establishedactive

SC677643 · ltd · incorporated 2020-10-15

Investment thesis

Established operating company — standard diligence applies, no dominant angle.

Why interesting: Live, filing, normal profile.

Why risky: No standout signals in either direction.

🔒Estimated value

—

Upgrade to see

Turnover

—

year to Dec 2024

Net worth

£147.2k

book net assets

Opportunity

76/100

Strong

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What this business does

Primary activity: Financial intermediation not elsewhere classified

Sector: Financial & insurance

Investor take

Pursue

Strong opportunity: asset-holding vehicle with strong profile and bankable structure.

Opportunity 76/100 (strong), bankability 75/100. Share purchase looks the cleaner deal structure. Biggest value-creation lever: Cash flow review and working-capital discipline. Cash down -64% YoY — forensic review of receivables, stock turns, and creditor days. Most likely exit: strategic trade sale (73/100).

Data confidence

Overall: medium (79/100)

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

Company profile

address, 1 SIC codes, incorporation date

100

Financials

2 years of iXBRL accounts extracted (YoY deltas available) + narrative notes parsed

Lenders & charges

Confirmed no charges registered

Directors & officers

5 officers (5 active, 5 linked, 4 with DOB)

Ownership & PSC

2 active PSC(s) of 2 total, 2 with control declared

Director network

1 connected companies via shared directors

Filing history

18 filings on record

Gazette notices

No matching gazette notices (standard for active companies)

Opportunity Score

76/100Strong

PassWatchWorth a lookStrongExceptional

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

Business quality

Adequate — check latest filings for context.

Acquirability

Strong succession / seller-readiness signals.

Risk profile

Few red flags.

Signal strength

Good data coverage for analysis.

Signals from accounts

Derived from iXBRL accounts · accounting standard not declared

Positive net assets

Net assets £147,224

Cash draining

Cash down 64% YoY

Cash YoY

-64%

Year on year

Key financials

2 years extracted from filed iXBRL accounts

Cash

£42k

↓ 64% YoY

Net Worth

£147k

↑ 6.1% YoY

Current Assets

—

Current Liabilities

—

Hover to see exact values · click legend to toggle series

Financials

Extracted from Companies House accounts · accounting standard unknown

Metric	2024-12-31	2023-12-31
Cash	£42.4k	£119.3k
Net assets	£147.2k	£138.8k

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

🔒Filing-note intelligence

3 signals 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

filings

Last 90 days

filings

Last 180 days

filings

Counts from Companies House filing history.

Corporate timeline (19 events)Click to expand

2025-04-21
📄
accounts-with-accounts-type-total-exemption-full
accounts · AA
2024-09-05
📄
accounts-with-accounts-type-total-exemption-full
accounts · AA
2023-09-26
📄
accounts-with-accounts-type-total-exemption-full
accounts · AA
2023-05-02
➕
FRASER, Ellon Ann appointed
director
2023-05-02
➕
SHAND, Sheila appointed
director
2023-05-02
📄
appoint-person-director-company-with-name-date
officers · AP01
2023-05-02
📄
appoint-person-director-company-with-name-date
officers · AP01
2022-10-31
📄
memorandum-articles
incorporation · MA
2022-10-31
📄
resolution
resolution · RESOLUTIONS
2022-07-13
📄
accounts-with-accounts-type-total-exemption-full
accounts · AA
2021-05-19
📄
change-to-a-person-with-significant-control
persons-with-significant-control · PSC04
2021-05-19
📄
change-to-a-person-with-significant-control
persons-with-significant-control · PSC04
2021-05-19
📄
capital-allotment-shares
capital · SH01
2021-04-19
📄
change-account-reference-date-company-current-extended
accounts · AA01
2020-10-15
🏢
Company incorporated
As CALEDONIA ASSET FINANCE LTD
2020-10-15
➕
SHAND, Isla Irene appointed
secretary
2020-10-15
➕
FRASER, Graham Ian appointed
director
2020-10-15
➕
SHAND, Douglas appointed
director
2020-10-15
📄
incorporation-company
incorporation · NEWINC

Owner dependency

56/100

Moderate — manageable with handover

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

FACTORS

-4 active directors: Broader management team in place — suggests transferable governance.
+Senior director age: Director aged approximately 60 — approaching natural succession window.
+Family involvement: Multiple officers share a surname — likely family business, which concentrates governance.

Succession & seller-readiness

40/100

Moderate signal

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

SIGNALS

secondaryFounder aged 58+: Senior director is approximately 60. Early succession window.

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

Name	Shares	Voting rights	Nature of control	Notified
Mr Douglas Shand Individual · British · DOB 03/1969 · age 57	—	25–50%	25-50% voting	15/10/2020
Mr Graham Ian Fraser Individual · British · DOB 03/1966 · age 60	—	25–50%	25-50% voting	15/10/2020

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.

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Similar companies

Active · Financial services · AB postcode area

Company	Est. value	Turnover	Net worth	Staff	Age	Opp	Director
ADAM SINCLAIR & ASSOCIATES WEALTH MANAGEMENT LTD→ SC696858 · est 2021 · no financials extracted	—	—	—	—	4y	—	—
ALOBP INVESTMENTS LTD→ SC660311 · est 2020 · no financials extracted	—	—	—	—	5y	—	—
ASHRIDGE CAPITAL FUND I CI GP LIMITED→ SC366440 · est 2009 · no financials extracted	—	—	—	—	16y	—	—
BAKER HUGHES UK PENSION TRUSTEES LIMITED→ SC073307 · est 1980 · no financials extracted	—	—	—	—	45y	—	—
CITY & SHIRE ASSET FINANCE LIMITED→ SC677334 · est 2020 · no financials extracted	—	—	—	—	5y	—	—
CITY & SHIRE LEASING LIMITED→ SC677333 · est 2020 · no financials extracted	—	—	—	—	5y	—	—
CLD INVESTMENT GROUP LTD→ SC823588 · est 2024 · no financials extracted	—	—	—	—	1y	—	—
CRAIGENDARROCH INVESTMENTS LIMITED→ SC337515 · est 2008 · no financials extracted	—	—	—	—	18y	—	—
CREEKSTONE LTD→ SC822803 · est 2024 · no financials extracted	—	—	—	—	1y	—	—
D DUFF (ABERDEEN) LIMITED→ SC342342 · est 2008 · no financials extracted	—	—	—	—	17y	—	—
DAVID BIRKMYRE LIMITED→ SC163367 · est 1996 · no financials extracted	—	—	—	—	30y	—	—
DAVID BUTLER FS LIMITED→ SC559622 · est 2017 · no financials extracted	—	—	—	—	9y	—	—

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.

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Company details

Statusactive

Typeltd

Incorporated2020-10-15

Jurisdictionscotland

Primary SIC64999 — Financial intermediation not elsewhere classified

Registered office

Kynoch Lodge

Turriff

Aberdeenshire

AB53 4HA

Scotland

Filing status

Accounts

Next due: 2026-09-30

Last made up to: 2024-12-31

Confirmation statement

Next due: 2026-10-28

Last: 2025-10-14