SNS PD LTD
- · Oldest live charge 9.7y old — refinance window within 12 months
Opportunity 79/100 (strong), bankability 80/100. Strong seller-intent signal (68/100, director aged 66). Share purchase looks the cleaner deal structure. Most likely exit: share sale to pe / searcher (73/100).
Refinance opportunity
1 live charge · oldest 9.7y
Refinance conversation should be productive — structure clean and timing right.
- · Oldest live charge is 9.7 years old — likely at or near maturity.
- · Single lender — cleanest path to refinance.
- · Legal-friction score 15/100 — clean.
Data confidence
Overall: high (80/100)Strong data coverage across all sections. AI outputs should be trusted with minimal caveats.
Solid opportunity signal. Worth a dedicated memo and management meeting.
Key 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 | 2025-09-30 | 2024-09-30 |
|---|
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
- • 1 accounts
- • 1 accounts
Corporate timeline (19 events)Click to expand
- 2026-03-03📄accounts-with-accounts-type-micro-entityaccounts · AA
- 2024-12-10📄accounts-with-accounts-type-micro-entityaccounts · AA
- 2024-05-22📄accounts-with-accounts-type-micro-entityaccounts · AA
- 2023-01-24📄accounts-with-accounts-type-micro-entityaccounts · AA
- 2022-06-28📄accounts-with-accounts-type-total-exemption-fullaccounts · AA
- 2021-09-23📄accounts-with-accounts-type-micro-entityaccounts · AA
- 2020-09-23📄accounts-with-accounts-type-micro-entityaccounts · AA
- 2019-05-31📄accounts-with-accounts-type-micro-entityaccounts · AA
- 2018-06-29📄accounts-with-accounts-type-micro-entityaccounts · AA
- 2017-06-28📄accounts-with-accounts-type-total-exemption-smallaccounts · AA
- 2016-09-12📄mortgage-create-with-deed-with-charge-number-charge-creation-datemortgage · MR01
- 2016-09-08🔒Charge registered #1Lender: The Royal Bank of Scotland PLC
- 2016-07-29📄accounts-with-accounts-type-total-exemption-smallaccounts · AA
- 2015-09-25📄annual-return-company-with-made-up-date-full-list-shareholdersannual-return · AR01
- 2015-06-19📄accounts-with-accounts-type-total-exemption-smallaccounts · AA
- 2014-09-24📄annual-return-company-with-made-up-date-full-list-shareholdersannual-return · AR01
- 2013-09-19🏢Company incorporatedAs SNS PD LTD
- 2013-09-19➕SKILLING, Alexander Michael appointeddirector
- 2013-09-19➕SKILLING, Wendy Wishart 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.
- +Founder age: Director aged approximately 66 — succession pressure is live.
- +Family involvement: Multiple officers share a surname — likely family business, which concentrates governance.
- +No director turnover: Company is 13 years old with no director changes — suggests a very tight-knit founder team never broadened.
Succession & seller-readiness
Multiple signals suggest succession is on the horizon. Candidate for proactive outreach.
- primaryFounder aged 63+: Senior director is approximately 66. Approaching typical UK retirement age — succession thinking likely.
- secondaryTwo-director governance: Small-team governance. Succession depth is thin but not absent.
- secondary12+ year tenure: Director in role 13 years.
- supportingClean filings + long tenure: Disciplined long-tenure operator — classic lifestyle-business pattern that often sells quietly.
Red flags
cleanShareholders & ownership
2 active beneficial owners| Name | Shares | Voting rights | Nature of control | Notified |
|---|---|---|---|---|
Mr Alexander Michael Skilling Individual · British · DOB 10/1960 · age 66 | 25–50% | — | 25-50% shares | 19/09/2016 |
Mrs Wendy Wishart Skilling Individual · British · DOB 05/1963 · age 63 | 25–50% | — | 25-50% shares | 19/09/2016 |
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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7 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 (2 active · 0 resigned)
Click a director name to see their full track record across all companies.
Mortgages & charges
| Type | Properties | |||||
|---|---|---|---|---|---|---|
| outstanding | Lloyds Banking Group The Royal Bank of Scotland PLC | A registered charge | — | 08/09/2016 | — |