SEGOTIA LIMITED
- · Oldest live charge 9.8y old — refinance window within 12 months
- 68209Other letting and operating of own or leased real estate
Opportunity 79/100 (strong), bankability 85/100. Strong seller-intent signal (80/100, director aged 62). Share purchase looks the cleaner deal structure. Most likely exit: strategic trade sale (73/100).
Refinance opportunity
3 live charges · oldest 9.8y
Refinance conversation should be productive — structure clean and timing right.
- · Oldest live charge is 9.8 years old — likely at or near maturity.
- · Single lender — cleanest path to refinance.
- · Legal-friction score 15/100 — clean.
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 · accounting standard not declaredKey financials
2 years extracted from filed iXBRL accountsHover to see exact values · click legend to toggle series
Financials
Extracted from Companies House accounts · accounting standard unknown| Metric | 2025-03-31 | 2024-03-31 |
|---|---|---|
| Total assets | £235.3k | £229.6k |
| Current assets | £78.9k | £70.9k |
| Cash | £78.7k | £70.7k |
| Debtors | £232 | £160 |
| Net assets | £235.3k | £229.6k |
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
Corporate timeline (28 events)Click to expand
- 2025-10-13📄accounts-with-accounts-type-total-exemption-fullaccounts · AA
- 2024-08-28📄accounts-with-accounts-type-total-exemption-fullaccounts · AA
- 2023-09-15📄accounts-with-accounts-type-total-exemption-fullaccounts · AA
- 2022-09-05📄accounts-with-accounts-type-total-exemption-fullaccounts · AA
- 2022-08-11📄mortgage-satisfy-charge-fullmortgage · MR04
- 2022-08-11📄mortgage-satisfy-charge-fullmortgage · MR04
- 2022-08-11📄mortgage-satisfy-charge-fullmortgage · MR04
- 2022-08-11🔓Charge satisfied #3
- 2022-08-11🔓Charge satisfied #2
- 2022-08-11🔓Charge satisfied #1
- 2021-11-09📄accounts-with-accounts-type-total-exemption-fullaccounts · AA
- 2020-11-02📄accounts-with-accounts-type-total-exemption-fullaccounts · AA
- 2019-12-10📄accounts-with-accounts-type-total-exemption-fullaccounts · AA
- 2018-11-15📄accounts-with-accounts-type-total-exemption-fullaccounts · AA
- 2017-10-26📄accounts-with-accounts-type-total-exemption-fullaccounts · AA
- 2016-11-02📄accounts-with-accounts-type-total-exemption-smallaccounts · AA
- 2016-09-02📄mortgage-create-with-deed-with-charge-number-charge-creation-datemortgage · MR01
- 2016-08-27📄mortgage-create-with-deed-with-charge-number-charge-creation-datemortgage · MR01
- 2016-08-26📄mortgage-create-with-deed-with-charge-number-charge-creation-datemortgage · MR01
- 2016-08-25🔒Charge registered #3Lender: Aldermore Bank PLC
- 2016-08-25🔒Charge registered #2Lender: Aldermore Bank PLC
- 2016-08-11🔒Charge registered #1Lender: Aldermore Bank PLC
- 1997-09-01➕SUTTON, Ciaran Liam appointeddirector
- 1997-07-08➖COLALUCA, Sheila Mabel Jane resigneddirector
- 1997-07-07🏢Company incorporatedAs SEGOTIA LIMITED
- 1997-07-07➕SUTTON, Ciaran Liam appointedsecretary
- 1997-07-07➕SUTTON, Jacqueline Moira appointeddirector
- 1997-07-07➕COLALUCA, Sheila Mabel Jane appointeddirector
Owner dependency
The business appears inseparable from the founder. Acquisition without a serious earn-out or meaningful transition period would likely destroy value.
- +Two-director setup: Only two active directors — typical of owner-managed SMEs but limits succession.
- +Long-tenure founder: Senior director has been in place 29 years — deep operational knowledge concentrated in one person.
- +Senior director age: Director aged approximately 62 — approaching natural succession window.
- +Family involvement: Multiple officers share a surname — likely family business, which concentrates governance.
Succession & seller-readiness
Strong acquirability signals converging. Worth approaching directly — this is how off-market deals start.
- secondaryFounder aged 58+: Senior director is approximately 62. Early succession window.
- secondaryTwo-director governance: Small-team governance. Succession depth is thin but not absent.
- primary20+ year tenure: Director in role 29 years. Very long tenure is a classic succession signal.
- secondaryStable-but-static management: Company is 29 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
1 med ·Multiple instances where a charge was satisfied and a new charge created within 6 months. Suggests active refinancing cycle.
Shareholders & ownership
2 active beneficial owners| Name | Shares | Voting rights | Nature of control | Notified |
|---|---|---|---|---|
Mr Ciaran Liam Sutton Individual · Irish · DOB 09/1965 · age 61 | 25–50% | 25–50% | 25-50% shares · 25-50% voting | 06/04/2016 |
Mrs Jacqueline Moira Sutton Individual · British · DOB 08/1964 · age 62 | 25–50% | 25–50% | 25-50% shares · 25-50% voting | 06/04/2016 |
From Companies House Persons with Significant Control filings. Share ranges are banded per the public PSC regime.
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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 →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 (3 active · 1 resigned)
Click a director name to see their full track record across all companies.
Mortgages & charges
| Type | Properties | |||||
|---|---|---|---|---|---|---|
| satisfied | Aldermore Aldermore Bank PLC | A registered charge | 1 property | 25/08/2016 | 11/08/2022 | |
| satisfied | Aldermore Aldermore Bank PLC | A registered charge | 1 property | 25/08/2016 | 11/08/2022 | |
| satisfied | Aldermore Aldermore Bank PLC | A registered charge | — | 11/08/2016 | 11/08/2022 |