SEGOTIA LIMITED

🌳Matureactive
SC177034 · ltd · incorporated 1997-07-07
Investment thesis
Property vehicle with leveraged stack — refinance / partial-release angle.
Why interesting: Asset-backed; value largely in underlying property; lender engagement likely possible.
Why risky: Multiple lenders to manage; inter-creditor friction and partial-release cost possible.
Opportunity decay
approaching window · 12-months
Approaching a transaction window — refinance or sale event plausible in the next 12 months.
  • · Oldest live charge 9.8y old — refinance window within 12 months
🔒Estimated value
Upgrade to see
Turnover
year to Mar 2025
Net worth
£235.3k
book net assets
Opportunity
79/100
Strong
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What this business does
Primary activity: Information technology consultancy activities
Sector: Information & communication
ALSO REGISTERED FOR
  • 68209Other letting and operating of own or leased real estate
Investor take
Pursue
Asset-holding vehicle with a 62-year-old founder — textbook succession opportunity.

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

85/100
ready

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.

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
3 charges (3/3 with lender, 3/3 with type)
90
Directors & officers
4 officers (3 active, 4 linked, 3 with DOB)
85
Ownership & PSC
2 active PSC(s) of 2 total, 2 with control declared
90
Director network
Network not yet resolved
30
Filing history
72 filings on record
85
Gazette notices
No matching gazette notices (standard for active companies)
60
Opportunity Score
79/100Strong
PassWatchWorth a lookStrongExceptional 

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

Business quality
70
Active, clean filings, stable charge profile.
Acquirability
80
Strong succession / seller-readiness signals.
Risk profile
77
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 £235,307
Cash YoY
+11%
Year on year

Key financials

2 years extracted from filed iXBRL accounts
Cash
£79k
↑ 11% YoY
Net Worth
£235k
↑ 2.5% YoY
Current Assets
£79k
↑ 11% YoY
Current Liabilities
£0£47k£94k£141k£188k£235kMar 2024Mar 2025

Hover to see exact values · click legend to toggle series

Financials

Extracted from Companies House accounts · accounting standard unknown
Metric2025-03-312024-03-31
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.

🔒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
0
filings
Counts from Companies House filing history.
Corporate timeline (28 events)Click to expand
  1. 2025-10-13
    📄
    accounts-with-accounts-type-total-exemption-full
    accounts · AA
  2. 2024-08-28
    📄
    accounts-with-accounts-type-total-exemption-full
    accounts · AA
  3. 2023-09-15
    📄
    accounts-with-accounts-type-total-exemption-full
    accounts · AA
  4. 2022-09-05
    📄
    accounts-with-accounts-type-total-exemption-full
    accounts · AA
  5. 2022-08-11
    📄
    mortgage-satisfy-charge-full
    mortgage · MR04
  6. 2022-08-11
    📄
    mortgage-satisfy-charge-full
    mortgage · MR04
  7. 2022-08-11
    📄
    mortgage-satisfy-charge-full
    mortgage · MR04
  8. 2022-08-11
    🔓
    Charge satisfied #3
  9. 2022-08-11
    🔓
    Charge satisfied #2
  10. 2022-08-11
    🔓
    Charge satisfied #1
  11. 2021-11-09
    📄
    accounts-with-accounts-type-total-exemption-full
    accounts · AA
  12. 2020-11-02
    📄
    accounts-with-accounts-type-total-exemption-full
    accounts · AA
  13. 2019-12-10
    📄
    accounts-with-accounts-type-total-exemption-full
    accounts · AA
  14. 2018-11-15
    📄
    accounts-with-accounts-type-total-exemption-full
    accounts · AA
  15. 2017-10-26
    📄
    accounts-with-accounts-type-total-exemption-full
    accounts · AA
  16. 2016-11-02
    📄
    accounts-with-accounts-type-total-exemption-small
    accounts · AA
  17. 2016-09-02
    📄
    mortgage-create-with-deed-with-charge-number-charge-creation-date
    mortgage · MR01
  18. 2016-08-27
    📄
    mortgage-create-with-deed-with-charge-number-charge-creation-date
    mortgage · MR01
  19. 2016-08-26
    📄
    mortgage-create-with-deed-with-charge-number-charge-creation-date
    mortgage · MR01
  20. 2016-08-25
    🔒
    Charge registered #3
    Lender: Aldermore Bank PLC
  21. 2016-08-25
    🔒
    Charge registered #2
    Lender: Aldermore Bank PLC
  22. 2016-08-11
    🔒
    Charge registered #1
    Lender: Aldermore Bank PLC
  23. 1997-09-01
    SUTTON, Ciaran Liam appointed
    director
  24. 1997-07-08
    COLALUCA, Sheila Mabel Jane resigned
    director
  25. 1997-07-07
    🏢
    Company incorporated
    As SEGOTIA LIMITED
  26. 1997-07-07
    SUTTON, Ciaran Liam appointed
    secretary
  27. 1997-07-07
    SUTTON, Jacqueline Moira appointed
    director
  28. 1997-07-07
    COLALUCA, Sheila Mabel Jane appointed
    director

Owner dependency

84/100
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 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

76/100
Likely off-market candidate

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

SIGNALS
  • 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 ·
Charge satisfaction-then-recreation pattern
medium

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
NameSharesVoting rightsNature of controlNotified
Mr Ciaran Liam Sutton
Individual · Irish · DOB 09/1965 · age 61
2550%
25–50%25-50% shares · 25-50% voting06/04/2016
Mrs Jacqueline Moira Sutton
Individual · British · DOB 08/1964 · age 62
2550%
25–50%25-50% shares · 25-50% voting06/04/2016

From Companies House Persons with Significant Control filings. Share ranges are banded per the public PSC regime.

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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
Incorporated1997-07-07
Jurisdictionscotland
Primary SIC62020 — Information technology consultancy activities

Registered office

24 Oldfold Crescent
Milltimber
Aberdeen
Aberdeenshire
AB13 0JY

Filing status

Accounts
Next due: 2027-01-05
Last made up to: 2025-03-31
Confirmation statement
Next due: 2026-06-21
Last: 2025-06-07

Officers (3 active · 1 resigned)

SUTTON, Ciaran Liam
secretary · appointed 1997-07-07
View their other companies + combined net worth →
Active
SUTTON, Ciaran Liam
director · ~61y · appointed 1997-09-01
View their other companies + combined net worth →
Active
SUTTON, Jacqueline Moira
director · ~62y · appointed 1997-07-07
View their other companies + combined net worth →
Active
COLALUCA, Sheila Mabel Jane
director · ~73y · appointed 1997-07-07 · resigned 1997-07-08
Resigned

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

Mortgages & charges

3
Total charges
0
Outstanding
0
Active lenders
Status:Lender:3 of 3 shown
TypeProperties
satisfied
Aldermore
Aldermore Bank PLC
A registered charge1 property25/08/201611/08/2022
satisfied
Aldermore
Aldermore Bank PLC
A registered charge1 property25/08/201611/08/2022
satisfied
Aldermore
Aldermore Bank PLC
A registered charge11/08/201611/08/2022

Recent filings (72 total)

accounts-with-accounts-type-total-exemption-full
accounts · AA
2025-10-13
confirmation-statement-with-no-updates
confirmation-statement · CS01
2025-06-07
accounts-with-accounts-type-total-exemption-full
accounts · AA
2024-08-28
confirmation-statement-with-no-updates
confirmation-statement · CS01
2024-06-10
accounts-with-accounts-type-total-exemption-full
accounts · AA
2023-09-15
confirmation-statement-with-no-updates
confirmation-statement · CS01
2023-06-11
accounts-with-accounts-type-total-exemption-full
accounts · AA
2022-09-05
mortgage-satisfy-charge-full
mortgage · MR04
2022-08-11
mortgage-satisfy-charge-full
mortgage · MR04
2022-08-11
mortgage-satisfy-charge-full
mortgage · MR04
2022-08-11
confirmation-statement-with-no-updates
confirmation-statement · CS01
2022-06-08
accounts-with-accounts-type-total-exemption-full
accounts · AA
2021-11-09
confirmation-statement-with-no-updates
confirmation-statement · CS01
2021-06-08
accounts-with-accounts-type-total-exemption-full
accounts · AA
2020-11-02
confirmation-statement-with-no-updates
confirmation-statement · CS01
2020-06-18