SAVAGE & PATTON (FINANCIAL SERVICES) LIMITED

🌳Matureactive
NI011459 · ltd · incorporated 1976-08-11
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 39.0y old — refinance window within 12 months
🔒Estimated value
—
Upgrade to see
Turnover
—
year to Aug 2025
Net worth
£397.5k
book net assets
Opportunity
83/100
Exceptional
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What this business does
Primary activity: Other activities auxiliary to financial services, except insurance and pension funding
Sector: Financial & insurance
ALSO REGISTERED FOR
  • 68209Other letting and operating of own or leased real estate
Investor take
Pursue
Active trading company with a 64-year-old founder — textbook succession opportunity.

Opportunity 83/100 (exceptional), bankability 67/100. Strong seller-intent signal (70/100, director aged 64). Share purchase looks the cleaner deal structure. Biggest value-creation lever: Consolidate lender relationships. 3 distinct lenders creates friction — refinance into single-lender structure for cleaner diligence. Most likely exit: strategic trade sale (73/100).

🏦

Refinance opportunity

2 live charges · 2 lenders · oldest 39.0y

50/100
clean up first

Refinance viable after a tidy-up — address the highlighted items first.

  • · Oldest live charge is 39.0 years old — likely at or near maturity.
  • · Two lenders — manageable, but coordination required.
  • · Legal-friction score 35/100 — workable, but lender will want more DD.

Data confidence

Overall: high (80/100)

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

Company profile
address, 2 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
6 officers (3 active, 6 linked, 5 with DOB)
87
Ownership & PSC
2 active PSC(s) of 3 total, 3 with control declared
90
Director network
3 connected companies via shared directors
54
Filing history
133 filings on record
85
Gazette notices
No matching gazette notices (standard for active companies)
60
Opportunity Score
83/100Exceptional
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
85
Strong succession / seller-readiness signals.
Risk profile
85
Few red flags.
Signal strength
100
Good data coverage for analysis.

Signals from accounts

Derived from iXBRL accounts · accounting standard not declared
Positive net assets
Net assets £397,549
Cash YoY
+447%
Year on year

Key financials

2 years extracted from filed iXBRL accounts
Cash
£12k
↑ 447% YoY
Net Worth
£398k
↑ 4.6% YoY
Current Assets
—
Current Liabilities
—
£0£80k£159k£239k£318k£398kAug 2024Aug 2025

Hover to see exact values · click legend to toggle series

Financials

Extracted from Companies House accounts · accounting standard unknown
Metric2025-08-102024-08-10
Total assets£404.5k£388.7k
Cash£12.1k£2.2k
Net assets£397.5k£380.0k

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
1
filing
  • • 1 accounts
Last 180 days
1
filing
  • • 1 accounts
Counts from Companies House filing history.
Corporate timeline (28 events)Click to expand
  1. 2026-04-24
    📄
    accounts-with-accounts-type-total-exemption-full
    accounts · AA
  2. 2025-03-05
    📄
    accounts-with-accounts-type-total-exemption-full
    accounts · AA
  3. 2024-06-25
    📄
    notification-of-a-person-with-significant-control
    persons-with-significant-control · PSC01
  4. 2024-06-25
    📄
    cessation-of-a-person-with-significant-control
    persons-with-significant-control · PSC07
  5. 2024-04-22
    📄
    accounts-with-accounts-type-total-exemption-full
    accounts · AA
  6. 2023-05-09
    📄
    accounts-with-accounts-type-total-exemption-full
    accounts · AA
  7. 2022-04-27
    📄
    accounts-with-accounts-type-total-exemption-full
    accounts · AA
  8. 2021-06-21
    📄
    notification-of-a-person-with-significant-control
    persons-with-significant-control · PSC02
  9. 2021-06-18
    ➕
    KEARNEY, Tracy Marie appointed
    director
  10. 2021-06-18
    ➖
    SAVAGE, Yvonne resigned
    director
  11. 2021-06-18
    📄
    appoint-person-director-company-with-name-date
    officers · AP01
  12. 2021-06-18
    📄
    termination-director-company-with-name-termination-date
    officers · TM01
  13. 2021-05-11
    📄
    accounts-with-accounts-type-total-exemption-full
    accounts · AA
  14. 2020-05-05
    📄
    accounts-with-accounts-type-micro-entity
    accounts · AA
  15. 2019-05-08
    📄
    accounts-with-accounts-type-micro-entity
    accounts · AA
  16. 2018-05-09
    📄
    accounts-with-accounts-type-micro-entity
    accounts · AA
  17. 2017-06-30
    📄
    notification-of-a-person-with-significant-control
    persons-with-significant-control · PSC01
  18. 2013-10-31
    ➖
    SAVAGE, Elizabeth resigned
    director
  19. 2001-01-23
    🔓
    Charge satisfied #2
  20. 2000-10-04
    🔒
    Charge registered #1
    Lender: Progressive Building
  21. 1999-10-23
    ➖
    KERR, Sylvia Isabella resigned
    director
  22. 1987-06-09
    🔒
    Charge registered #2
    Lender: Alliance & Leicester Building Society
  23. 1976-08-11
    🏢
    Company incorporated
    As SAVAGE & PATTON (FINANCIAL SERVICES) LIMITED
  24. 1976-08-11
    ➕
    GIBSON, Samuel Noel appointed
    secretary
  25. 1976-08-11
    ➕
    GIBSON, Samuel Noel appointed
    director
  26. 1976-08-11
    ➕
    KERR, Sylvia Isabella appointed
    director
  27. 1976-08-11
    ➕
    SAVAGE, Elizabeth appointed
    director
  28. 1976-08-11
    ➕
    SAVAGE, Yvonne appointed
    director

Owner dependency

76/100
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.
  • +Long-tenure founder: Senior director has been in place 50 years — deep operational knowledge concentrated in one person.
  • +Senior director age: Director aged approximately 64 — approaching natural succession window.

Succession & seller-readiness

86/100
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 64. Approaching typical UK retirement age — succession thinking likely.
  • secondaryTwo-director governance: Small-team governance. Succession depth is thin but not absent.
  • primary20+ year tenure: Director in role 50 years. Very long tenure is a classic succession signal.
  • secondaryStable-but-static management: Company is 50 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
Mrs Tracy Marie Kearney
Individual · Irish · DOB 05/1978 · age 48
25–50%
—25-50% shares30/11/2023
Mr Samuel Noel Gibson
Individual · Northern Irish · DOB 12/1962 · age 64
25–50%
—25-50% shares06/04/2016
1 historic (ceased) PSC
  • F-Tek Contracts Ltdceased 30/11/2023· 25-50% shares · 25-50% voting

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

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
Incorporated1976-08-11
Jurisdictionnorthern-ireland
Primary SIC66190 — Other activities auxiliary to financial services, except insurance and pension funding

Registered office

Old Bank House
2 Crossgar Road
Saintfield
Co Down
BT24 7BD

Filing status

Accounts
Next due: 2027-05-10
Last made up to: 2025-08-10
Confirmation statement
Next due: 2026-07-05
Last: 2025-06-21

Officers (3 active · 3 resigned)

GIBSON, Samuel Noel→
secretary · appointed 1976-08-11
View their other companies + combined net worth →
Active
GIBSON, Samuel Noel→
director · ~64y · appointed 1976-08-11
View their other companies + combined net worth →
Active
KEARNEY, Tracy Marie→
director · ~48y · appointed 2021-06-18
View their other companies + combined net worth →
Active
KERR, Sylvia Isabella→
director · ~60y · appointed 1976-08-11 · resigned 1999-10-23
Resigned
SAVAGE, Elizabeth→
director · ~89y · appointed 1976-08-11 · resigned 2013-10-31
Resigned
SAVAGE, Yvonne→
director · ~61y · appointed 1976-08-11 · resigned 2021-06-18
Resigned

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

Mortgages & charges

2
Total charges
1
Outstanding
1
Active lenders
Status:Lender:2 of 2 shown
TypeProperties
outstanding
Progressive Building / 33/37 Wellington
Mortgage or charge2 properties04/10/2000—
satisfied
Alliance & Leicester Building Society
Mortgage1 property09/06/198723/01/2001
Click column headers to sort. Use filters above to narrow by status and lender.

Recent filings (133 total)

accounts-with-accounts-type-total-exemption-full
accounts · AA
2026-04-24
confirmation-statement-with-updates
confirmation-statement · CS01
2025-06-24
accounts-with-accounts-type-total-exemption-full
accounts · AA
2025-03-05
confirmation-statement-with-updates
confirmation-statement · CS01
2024-06-25
notification-of-a-person-with-significant-control
persons-with-significant-control · PSC01
2024-06-25
cessation-of-a-person-with-significant-control
persons-with-significant-control · PSC07
2024-06-25
accounts-with-accounts-type-total-exemption-full
accounts · AA
2024-04-22
confirmation-statement-with-no-updates
confirmation-statement · CS01
2023-06-27
accounts-with-accounts-type-total-exemption-full
accounts · AA
2023-05-09
confirmation-statement-with-no-updates
confirmation-statement · CS01
2022-06-24
accounts-with-accounts-type-total-exemption-full
accounts · AA
2022-04-27
confirmation-statement-with-updates
confirmation-statement · CS01
2021-06-21
notification-of-a-person-with-significant-control
persons-with-significant-control · PSC02
2021-06-21
confirmation-statement-with-no-updates
confirmation-statement · CS01
2021-06-21
appoint-person-director-company-with-name-date
officers · AP01
2021-06-18