SALTIRE PATISSERIE LTD.
- · Oldest live charge 19.9y old — refinance window within 12 months
Opportunity 83/100 (exceptional), bankability 75/100. Same-surname younger director in place — likely family handover, not open to sale. Share purchase looks the cleaner deal structure. Most likely exit: share sale to pe / searcher (65/100).
Refinance opportunity
3 live charges · 2 lenders · oldest 19.9y
Refinance conversation should be productive — structure clean and timing right.
- · Oldest live charge is 19.9 years old — likely at or near maturity.
- · Two lenders — manageable, but coordination required.
- · Legal-friction score 15/100 — clean.
Data confidence
Overall: medium (79/100)Adequate coverage. AI outputs are reliable for the sections scored high; verify the rest in diligence.
Strong composite across quality, acquirability, and risk. High-priority target — progress to serious diligence.
Key financials
2 years extracted from filed iXBRL accountsHover to see exact values · click legend to toggle series
Financials
Extracted from Companies House accounts · FRS 102| Metric | 2025-10-31 | 2024-10-31 |
|---|---|---|
| Average employees | 15 | 1400 |
Amounts extracted automatically from iXBRL. Fields left blank were not reported or not mapped. Values in GBP unless stated.
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
- • 1 accounts
- • 3 officers
- • 1 accounts
- • 3 officers
- • 1 accounts
- • 1 confirmation-statement
Corporate timeline (36 events)Click to expand
- 2026-04-08📄accounts-with-accounts-type-total-exemption-fullaccounts · AA
- 2026-02-25📄appoint-person-director-company-with-name-dateofficers · AP01
- 2026-02-25📄appoint-person-director-company-with-name-dateofficers · AP01
- 2026-02-25📄appoint-person-director-company-with-name-dateofficers · AP01
- 2026-02-04➕LANDELLS, Rebecca Julia appointeddirector
- 2026-02-04➕PETERS, Robert Bruce appointeddirector
- 2026-02-04➕PETERS, Vanessa Mary appointeddirector
- 2025-03-13📄accounts-with-accounts-type-total-exemption-fullaccounts · AA
- 2025-01-20📄change-to-a-person-with-significant-controlpersons-with-significant-control · PSC04
- 2025-01-20📄change-person-director-company-with-change-dateofficers · CH01
- 2024-05-27📄accounts-with-accounts-type-total-exemption-fullaccounts · AA
- 2024-03-05📄mortgage-satisfy-charge-fullmortgage · MR04
- 2024-03-05🔓Charge satisfied #3
- 2023-08-14📄notification-of-a-person-with-significant-controlpersons-with-significant-control · PSC01
- 2023-08-03📄change-to-a-person-with-significant-controlpersons-with-significant-control · PSC04
- 2023-03-06📄accounts-with-accounts-type-total-exemption-fullaccounts · AA
- 2023-01-25📄change-to-a-person-with-significant-controlpersons-with-significant-control · PSC04
- 2023-01-25📄change-person-director-company-with-change-dateofficers · CH01
- 2023-01-25📄change-person-secretary-company-with-change-dateofficers · CH03
- 2022-02-24📄accounts-with-accounts-type-total-exemption-fullaccounts · AA
- 2021-06-24📄accounts-with-accounts-type-total-exemption-fullaccounts · AA
- 2020-07-23📄capital-allotment-sharescapital · SH01
- 2020-03-18📄accounts-with-accounts-type-total-exemption-fullaccounts · AA
- 2017-02-03🔒Charge registered #3Lender: The Royal Bank of Scotland PLC
- 2012-02-15🔓Charge satisfied #1
- 2012-02-08🔒Charge registered #2Lender: Aldermore Invoice Finance
- 2006-06-11🔒Charge registered #1Lender: The Royal Bank of Scotland PLC
- 2006-01-27➕PETERS, Vanessa Mary appointedsecretary
- 2006-01-27➕PETERS, David John appointeddirector
- 2006-01-19🏢Company incorporatedAs SALTIRE PATISSERIE LTD.
- 2006-01-19➕PETER TRAINER COMPANY SECRETARIES LTD. appointedcorporate-nominee-secretary
- 2006-01-19➖PETER TRAINER COMPANY SECRETARIES LTD. resignedcorporate-nominee-secretary
- 2006-01-19➕PETER TRAINER COMPANY SECRETARIES LTD. appointedcorporate-nominee-director
- 2006-01-19➖PETER TRAINER COMPANY SECRETARIES LTD. resignedcorporate-nominee-director
- 2006-01-19➕PETER TRAINER CORPORATE SERVICES LTD. appointedcorporate-nominee-director
- 2006-01-19➖PETER TRAINER CORPORATE SERVICES LTD. resignedcorporate-nominee-director
Owner dependency
Material founder dependency. Consider a 2-3 year earn-out and build in a handover plan before completion.
- -4 active directors: Broader management team in place — suggests transferable governance.
- +Long-tenure founder: Senior director has been in place 20 years — deep operational knowledge concentrated in one person.
- +Senior director age: Director aged approximately 63 — approaching natural succession window.
- +Family involvement: Multiple officers share a surname — likely family business, which concentrates governance.
Succession & seller-readiness
Limited succession signal. Not a near-term off-market candidate.
- primaryFamily succession underway: Not a takeover target — PETERS, Robert Bruce (same surname) appointed 2026-02-04. Pattern consistent with intra-family handover.
- primaryFounder aged 63+: Senior director is approximately 63. Approaching typical UK retirement age — succession thinking likely.
- primary20+ year tenure: Director in role 20 years. Very long tenure is a classic succession signal.
- supportingClean filings + long tenure: Disciplined long-tenure operator — classic lifestyle-business pattern that often sells quietly.
Red flags
cleanShareholders & ownership
2 active beneficial owners · dominant holder ≥75%| Name | Shares | Voting rights | Nature of control | Notified |
|---|---|---|---|---|
David John Blackley Individual · British · DOB 12/1977 · age 49 | 25–50% | — | 25-50% shares | 18/04/2022 |
Mr David John Peters Individual · British · DOB 07/1966 · age 60 | 25–50% | 75–100% | board control75-100% shares · 75-100% voting · board control | 06/04/2016 |
From Companies House Persons with Significant Control filings. Share ranges are banded per the public PSC regime.
Radial SVG graph showing every company connected via shared directors, colour-coded by status.
Available from the Pro tier upwards.
See pricing →Similar companies
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|---|---|---|---|---|---|---|---|
| BRODIE MELROSE DRYSDALE & CO. LIMITED→ SC201590 · est 1999 | £1.45M £1.07M–£1.84M | £8.61M | — | 3300 | 26y | 84 | 63y |
| BELLA & DUKE LIMITED→ SC547789 · est 2016 | £447.4k £329.6k–£565.1k | — | — | 134 | 9y | 83 | 67y |
| HAMLYNS OF SCOTLAND LIMITED→ SC176949 · est 1997 | £99.9k £73.6k–£126.2k | £27.47M | — | 5400 | 28y | 86 | 80y |
| SCOT CHIP LIMITED→ SC258060 · est 2003 | — | — | £1.13M | — | 22y | 83 | 61y |
| THE PREMIUM BAKERY LIMITED→ SC316253 · est 2007 | — | — | £420.7k | — | 19y | 83 | 69y |
| CAWOODS (FISHCURERS) LIMITED→ SC034153 · est 1959 · no financials extracted | — | — | — | — | 66y | 82 | 60y |
| S LUCA OF MUSSELBURGH LIMITED→ SC296882 · est 2006 | — | — | £1.65M | — | 20y | 82 | 69y |
| ARTISAN ROAST LIMITED→ SC327756 · est 2007 | — | — | — | 3600 | 18y | 81 | 62y |
| GRAMPIAN OAT PRODUCTS LIMITED→ SC176950 · est 1997 | — | — | — | 0 | 28y | 81 | 80y |
| MOROCCO GOLD LIMITED→ SC370625 · est 2009 | — | — | £249.9k | — | 16y | 81 | 72y |
| TRAQUAIR HOUSE BREWERY LIMITED→ SC172147 · est 1997 | — | — | — | 300 | 29y | 81 | 62y |
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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 (5 active · 3 resigned)
Click a director name to see their full track record across all companies.
Mortgages & charges
| Type | Properties | |||||
|---|---|---|---|---|---|---|
| satisfied | Lloyds Banking Group The Royal Bank of Scotland PLC | A registered charge | — | 03/02/2017 | 05/03/2024 | |
| outstanding | Aldermore Aldermore Invoice Finance | Floating charge | 1 property | 08/02/2012 | — | |
| satisfied | Lloyds Banking Group The Royal Bank of Scotland PLC | Bond & floating charge | 1 property | 11/06/2006 | 15/02/2012 |