RUMENTS SAX LTD

🌳Matureactive
SC260359 · ltd · incorporated 2003-12-05
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.
Why now
Window steady · low confidence
Stable recent picture — watch for any upcoming trigger event.
Opportunity decay
approaching window · 12-months
Approaching a transaction window — refinance or sale event plausible in the next 12 months.
  • · Oldest live charge 17.9y old — refinance window within 12 months
What changed my view
Last 30 days

No material changes in the last 30 days.

Last 90 days

No snapshot from 90 days ago — start tracking from today.

Last 180 days

No snapshot from 180 days ago — start tracking from today.

🔒Estimated value
—
Upgrade to see
Turnover
—
year to Aug 2025
Net worth
—
book net assets
Opportunity
83/100
Exceptional
🔔
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What this business does
Primary activity: Other letting and operating of own or leased real estate
Sector: Real estate
Investor take
Pursue
Strong opportunity: property-backed borrower with exceptional profile and bankable structure.

Opportunity 83/100 (exceptional), 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: Discharge stale live charges. 1 live charge(s) created 15+ years ago — likely paid but undischarged. Clean register. Most likely exit: share sale to pe / searcher (65/100).

🏦

Refinance opportunity

2 live charges · 2 lenders · oldest 17.9y

50/100
clean up first

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

  • · Oldest live charge is 17.9 years old — likely at or near maturity.
  • · Two lenders — manageable, but coordination required.
  • · Legal-friction score 25/100 — workable, but lender will want more DD.

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
75
Lenders & charges
2 charges (2/2 with lender, 2/2 with type)
90
Directors & officers
10 officers (4 active, 10 linked, 6 with DOB)
82
Ownership & PSC
5 active PSC(s) of 7 total, 7 with control declared
90
Director network
3 connected companies via shared directors
54
Filing history
73 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.

Key financials

2 years extracted from filed iXBRL accounts
Cash
—
Net Worth
—
Current Assets
—
Current Liabilities
—
£0£0£0£0£0£0Aug 2024Aug 2025

Hover to see exact values · click legend to toggle series

Financials

Extracted from Companies House accounts · FRS 102
Metric2025-08-312024-08-31
Average employees00

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
2
filings
  • • 1 accounts
  • • 1 mortgage
Counts from Companies House filing history.
Corporate timeline (36 events)Click to expand
  1. 2026-04-03
    📄
    accounts-with-accounts-type-micro-entity
    accounts · AA
  2. 2026-03-20
    📄
    mortgage-satisfy-charge-full
    mortgage · MR04
  3. 2026-03-20
    🔓
    Charge satisfied #2
  4. 2024-11-14
    📄
    accounts-with-accounts-type-micro-entity
    accounts · AA
  5. 2023-11-23
    📄
    accounts-with-accounts-type-micro-entity
    accounts · AA
  6. 2022-10-13
    📄
    accounts-with-accounts-type-micro-entity
    accounts · AA
  7. 2021-12-09
    📄
    notification-of-a-person-with-significant-control
    persons-with-significant-control · PSC01
  8. 2021-12-09
    📄
    cessation-of-a-person-with-significant-control
    persons-with-significant-control · PSC07
  9. 2021-12-09
    📄
    cessation-of-a-person-with-significant-control
    persons-with-significant-control · PSC07
  10. 2021-11-15
    📄
    accounts-with-accounts-type-micro-entity
    accounts · AA
  11. 2020-10-08
    📄
    accounts-with-accounts-type-micro-entity
    accounts · AA
  12. 2020-10-01
    ➕
    TOUGH, Graeme William appointed
    director
  13. 2020-10-01
    📄
    appoint-person-director-company-with-name-date
    officers · AP01
  14. 2020-10-01
    📄
    termination-director-company-with-name-termination-date
    officers · TM01
  15. 2020-09-30
    ➖
    MORGAN, Alun Henry resigned
    director
  16. 2020-04-30
    📄
    accounts-with-accounts-type-micro-entity
    accounts · AA
  17. 2019-03-12
    📄
    accounts-with-accounts-type-micro-entity
    accounts · AA
  18. 2018-05-30
    📄
    accounts-with-accounts-type-micro-entity
    accounts · AA
  19. 2017-05-26
    📄
    accounts-with-accounts-type-total-exemption-small
    accounts · AA
  20. 2016-07-05
    🔒
    Charge registered #2
    Lender: The Royal Bank of Scotland PLC
  21. 2008-08-20
    🔒
    Charge registered #1
    Lender: Royal Bank of Scotland PLC
  22. 2008-07-21
    ➕
    STURROCK, Heather appointed
    director
  23. 2008-07-02
    ➖
    MCGRATH, Mark, B.A, C.A resigned
    director
  24. 2008-07-02
    ➖
    WALTON, Bruce Thomson resigned
    director
  25. 2003-12-05
    🏢
    Company incorporated
    As RUMENTS SAX LTD
  26. 2003-12-05
    ➕
    MCKEITH, John appointed
    secretary
  27. 2003-12-05
    ➕
    MCKEITH, John appointed
    director
  28. 2003-12-05
    ➕
    PETER TRAINER COMPANY SECRETARIES LTD. appointed
    corporate-nominee-secretary
  29. 2003-12-05
    ➖
    PETER TRAINER COMPANY SECRETARIES LTD. resigned
    corporate-nominee-secretary
  30. 2003-12-05
    ➕
    MCGRATH, Mark, B.A, C.A appointed
    director
  31. 2003-12-05
    ➕
    MORGAN, Alun Henry appointed
    director
  32. 2003-12-05
    ➕
    WALTON, Bruce Thomson appointed
    director
  33. 2003-12-05
    ➕
    PETER TRAINER COMPANY SECRETARIES LTD. appointed
    corporate-nominee-director
  34. 2003-12-05
    ➖
    PETER TRAINER COMPANY SECRETARIES LTD. resigned
    corporate-nominee-director
  35. 2003-12-05
    ➕
    PETER TRAINER CORPORATE SERVICES LTD. appointed
    corporate-nominee-director
  36. 2003-12-05
    ➖
    PETER TRAINER CORPORATE SERVICES LTD. resigned
    corporate-nominee-director

Owner dependency

68/100
High — earn-out structure required

Material founder dependency. Consider a 2-3 year earn-out and build in a handover plan before completion.

FACTORS
  • +Long-tenure founder: Senior director has been in place 23 years — deep operational knowledge concentrated in one person.
  • +Senior director age: Director aged approximately 59 — approaching natural succession window.

Succession & seller-readiness

70/100
Strong succession signal

Multiple signals suggest succession is on the horizon. Candidate for proactive outreach.

SIGNALS
  • secondaryFounder aged 58+: Senior director is approximately 59. Early succession window.
  • primary20+ year tenure: Director in role 23 years. Very long tenure is a classic succession signal.
  • secondaryStable-but-static management: Company is 23 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

5 active beneficial owners · fragmented
NameSharesVoting rightsNature of controlNotified
Mr Graeme William Tough
Individual · British · DOB 07/1984 · age 42
25–50%
25–50%25-50% shares · 25-50% voting30/04/2021
Mrs Evelyn Margaret Mckeith
Individual · British · DOB 07/1966 · age 60
25–50%
—25-50% shares06/04/2016
Mrs Heather Sturrock
Individual · British · DOB 06/1969 · age 57
——sig. influencesignificant influence06/04/2016
Mr Scott Kenneth Sturrock
Individual · British · DOB 12/1965 · age 61
——sig. influencesignificant influence06/04/2016
Mr John Mckeith
Individual · British · DOB 09/1967 · age 59
——sig. influencesignificant influence06/04/2016
2 historic (ceased) PSCs
  • Mr Alun Henry Morganceased 30/04/2021· significant influence
  • Mrs Fiona Selkirkceased 30/04/2021· 25-50% shares

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
Incorporated2003-12-05
Jurisdictionscotland
Primary SIC68209 — Other letting and operating of own or leased real estate

Registered office

30 Bonnethill Road
Pitlochry
Perthshire
PH16 5BS

Filing status

Accounts
Next due: 2027-05-31
Last made up to: 2025-08-31
Confirmation statement
Next due: 2026-12-19
Last: 2025-12-05

Officers (4 active · 6 resigned)

MCKEITH, John→
secretary · appointed 2003-12-05
View their other companies + combined net worth →
Active
MCKEITH, John→
director · ~59y · appointed 2003-12-05
View their other companies + combined net worth →
Active
STURROCK, Heather→
director · ~57y · appointed 2008-07-21
View their other companies + combined net worth →
Active
TOUGH, Graeme William→
director · ~42y · appointed 2020-10-01
View their other companies + combined net worth →
Active
PETER TRAINER COMPANY SECRETARIES LTD.→
corporate-nominee-secretary · appointed 2003-12-05 · resigned 2003-12-05
Resigned
MCGRATH, Mark, B.A, C.A→
director · ~59y · appointed 2003-12-05 · resigned 2008-07-02
Resigned
MORGAN, Alun Henry→
director · ~63y · appointed 2003-12-05 · resigned 2020-09-30
Resigned
WALTON, Bruce Thomson→
director · ~80y · appointed 2003-12-05 · resigned 2008-07-02
Resigned
PETER TRAINER COMPANY SECRETARIES LTD.→
corporate-nominee-director · appointed 2003-12-05 · resigned 2003-12-05
Resigned
PETER TRAINER CORPORATE SERVICES LTD.→
corporate-nominee-director · appointed 2003-12-05 · resigned 2003-12-05
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
satisfied
Lloyds Banking Group
The Royal Bank of Scotland PLC
A registered charge—05/07/201620/03/2026
outstanding
Lloyds Banking Group
Royal Bank of Scotland PLC
Standard security1 property20/08/2008—
Click column headers to sort. Use filters above to narrow by status and lender.

Recent filings (73 total)

accounts-with-accounts-type-micro-entity
accounts · AA
2026-04-03
mortgage-satisfy-charge-full
mortgage · MR04
2026-03-20
confirmation-statement-with-no-updates
confirmation-statement · CS01
2025-12-15
confirmation-statement-with-no-updates
confirmation-statement · CS01
2024-12-08
accounts-with-accounts-type-micro-entity
accounts · AA
2024-11-14
confirmation-statement-with-no-updates
confirmation-statement · CS01
2023-12-06
accounts-with-accounts-type-micro-entity
accounts · AA
2023-11-23
confirmation-statement-with-no-updates
confirmation-statement · CS01
2022-12-08
accounts-with-accounts-type-micro-entity
accounts · AA
2022-10-13
confirmation-statement-with-updates
confirmation-statement · CS01
2021-12-09
notification-of-a-person-with-significant-control
persons-with-significant-control · PSC01
2021-12-09
cessation-of-a-person-with-significant-control
persons-with-significant-control · PSC07
2021-12-09
cessation-of-a-person-with-significant-control
persons-with-significant-control · PSC07
2021-12-09
accounts-with-accounts-type-micro-entity
accounts · AA
2021-11-15
confirmation-statement-with-updates
confirmation-statement · CS01
2021-02-12