SAGE FINANCE LTD
🌳Matureactive
SC501996 · ltd · incorporated 2015-03-31
Investment thesis
Established operating company — standard diligence applies, no dominant angle.
Why interesting: Live, filing, normal profile.
Why risky: No standout signals in either direction.
🔒Estimated value
—
Upgrade to see
Turnover
—
year to Mar 2025
Net worth
—
book net assets
Opportunity
74/100
Strong
What this business does
Primary activity: Activities of mortgage finance companies
Sector: Financial & insurance
Investor take
PursueStrong opportunity: active trading company with strong profile and bankable structure.
Opportunity 74/100 (strong), bankability 75/100. High owner-dependency — earn-out structure likely required for clean transition. Share purchase looks the cleaner deal structure. Most likely exit: strategic trade sale (65/100).
Data confidence
Overall: high (80/100)Strong data coverage across all sections. AI outputs should be trusted with minimal caveats.
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
Confirmed no charges registered
85
Directors & officers
2 officers (2 active, 2 linked, 2 with DOB)
90
Ownership & PSC
2 active PSC(s) of 2 total, 2 with control declared
90
Director network
2 connected companies via shared directors
51
Filing history
31 filings on record
85
Gazette notices
No matching gazette notices (standard for active companies)
60
Opportunity Score
74/100Strong
PassWatchWorth a lookStrongExceptional
Solid opportunity signal. Worth a dedicated memo and management meeting.
Business quality
70
Active, clean filings, stable charge profile.
Acquirability
55
Some acquirability indicators.
Risk profile
85
Few red flags.
Signal strength
90
Good data coverage for analysis.
Key financials
2 years extracted from filed iXBRL accountsCash
—
Net Worth
—
Current Assets
—
Current Liabilities
—
Hover to see exact values · click legend to toggle series
Financials
Extracted from Companies House accounts · FRS 102| Metric | 2025-03-31 | 2024-03-31 |
|---|---|---|
| Average employees | 200 | 200 |
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
1
filing
- • 1 confirmation-statement
Last 180 days
2
filings
- • 1 confirmation-statement
- • 1 accounts
Counts from Companies House filing history.
Corporate timeline (18 events)Click to expand
- 2025-12-22📄accounts-with-accounts-type-total-exemption-fullaccounts · AA
- 2025-08-22➕BARNES, Jennifer Rose appointeddirector
- 2025-08-22📄appoint-person-director-company-with-name-dateofficers · AP01
- 2024-12-20📄accounts-with-accounts-type-total-exemption-fullaccounts · AA
- 2023-12-29📄accounts-amended-with-accounts-type-total-exemption-fullaccounts · AAMD
- 2023-09-18📄accounts-with-accounts-type-total-exemption-fullaccounts · AA
- 2022-12-01📄accounts-with-accounts-type-total-exemption-fullaccounts · AA
- 2022-02-21📄change-person-director-company-with-change-dateofficers · CH01
- 2022-02-21📄change-to-a-person-with-significant-controlpersons-with-significant-control · PSC04
- 2022-02-21📄change-to-a-person-with-significant-controlpersons-with-significant-control · PSC04
- 2021-12-17📄accounts-with-accounts-type-micro-entityaccounts · AA
- 2021-11-26📍change-registered-office-address-company-with-date-old-address-new-addressaddress · AD01
- 2020-11-12📄accounts-with-accounts-type-micro-entityaccounts · AA
- 2019-07-22📄accounts-with-accounts-type-micro-entityaccounts · AA
- 2018-08-01📄accounts-with-accounts-type-micro-entityaccounts · AA
- 2017-04-07📄accounts-with-accounts-type-micro-entityaccounts · AA
- 2015-03-31🏢Company incorporatedAs SAGE FINANCE LTD
- 2015-03-31➕BARNES, David John appointeddirector
Owner dependency
71/100
High — earn-out structure requiredMaterial founder dependency. Consider a 2-3 year earn-out and build in a handover plan before completion.
FACTORS
- +Two-director setup: Only two active directors — typical of owner-managed SMEs but limits succession.
- +Family involvement: Multiple officers share a surname — likely family business, which concentrates governance.
- +No director turnover: Company is 11 years old with no director changes — suggests a very tight-knit founder team never broadened.
Succession & seller-readiness
41/100
Moderate signalSome succession indicators present. Worth watching; approach if sector/strategy fits.
SIGNALS
- secondaryTwo-director governance: Small-team governance. Succession depth is thin but not absent.
- supportingClean filings + long tenure: Disciplined long-tenure operator — classic lifestyle-business pattern that often sells quietly.
Red flags
cleanNo red flags detected from available public data. (This is not a clean bill of health — detailed accounts review still recommended.)
Shareholders & ownership
2 active beneficial owners| Name | Shares | Voting rights | Nature of control | Notified |
|---|---|---|---|---|
Mr David John Barnes Individual · British · DOB 08/1984 · age 42 | 25–50% | 25–50% | 25-50% shares · 25-50% voting | 06/04/2016 |
Mrs Jennifer Rose Barnes Individual · British · DOB 02/1984 · age 42 | 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.
🔒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 →Similar companies
Active · Financial services · EH postcode area| Company | Est. value | Turnover | Net worth | Staff | Age | Opp | Director |
|---|---|---|---|---|---|---|---|
| PLAN IT AND PROSPER LTD→ SC866683 · est 2025 · no financials extracted | — | — | — | — | — | — | — |
| RAUDS MORTGAGE SOLUTIONS LTD→ SC753447 · est 2022 · no financials extracted | — | — | — | — | 3y | — | — |
| RBS COLLECTIVE INVESTMENT FUNDS LIMITED→ SC046694 · est 1969 · no financials extracted | — | — | — | — | 56y | — | — |
| RENTON WEALTH MANAGEMENT LTD→ SC666842 · est 2020 · no financials extracted | — | — | — | — | 5y | — | — |
| REPEL LTD→ SC689351 · est 2021 · no financials extracted | — | — | — | — | 5y | — | — |
| SCOTSURE MBI LIMITED→ SC352229 · est 2008 · no financials extracted | — | — | — | — | 17y | — | — |
| SCOTTISH FUTURES TRUST INVESTMENTS LIMITED→ SC381388 · est 2010 · no financials extracted | — | — | — | — | 15y | — | — |
| SCOTTISH WIDOWS' FUND AND LIFE ASSURANCE SOCIETY→ SZ000002 · est 1983 · no financials extracted | — | — | — | — | 43y | — | — |
| SEEDCAMP VI (SCOT) LIMITED→ SC744406 · est 2022 · no financials extracted | — | — | — | — | 3y | — | — |
| SELECT WEALTH MANAGERS LTD.→ SC471007 · est 2014 · no financials extracted | — | — | — | — | 12y | — | — |
| SEVEN HILLS FINANCIAL PLANNING LTD→ SC723633 · est 2022 · no financials extracted | — | — | — | — | 4y | — | — |
| SEVEN STREET WEALTH LTD→ SC203271 · est 2000 · no financials extracted | — | — | — | — | 26y | — | — |
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
Incorporated2015-03-31
Jurisdictionscotland
Primary SIC64922 — Activities of mortgage finance companies
Registered office
23-24 Crighton Place
Edinburgh
EH7 4NY
Scotland
Filing status
Accounts
Next due: 2026-12-31
Last made up to: 2025-03-31
Confirmation statement
Next due: 2027-04-14
Last: 2026-03-31
Officers (2 active · 0 resigned)
BARNES, David John→
Activedirector · ~42y · appointed 2015-03-31
View their other companies + combined net worth →
BARNES, Jennifer Rose→
Activedirector · ~42y · appointed 2025-08-22
View their other companies + combined net worth →
Click a director name to see their full track record across all companies.
Recent filings (31 total)
confirmation-statement-with-no-updates
confirmation-statement · CS01
2026-04-01
accounts-with-accounts-type-total-exemption-full
accounts · AA
2025-12-22
appoint-person-director-company-with-name-date
officers · AP01
2025-08-22
confirmation-statement-with-no-updates
confirmation-statement · CS01
2025-04-01
accounts-with-accounts-type-total-exemption-full
accounts · AA
2024-12-20
confirmation-statement-with-no-updates
confirmation-statement · CS01
2024-04-02
accounts-amended-with-accounts-type-total-exemption-full
accounts · AAMD
2023-12-29
accounts-with-accounts-type-total-exemption-full
accounts · AA
2023-09-18
confirmation-statement-with-no-updates
confirmation-statement · CS01
2023-03-31
accounts-with-accounts-type-total-exemption-full
accounts · AA
2022-12-01
confirmation-statement-with-no-updates
confirmation-statement · CS01
2022-03-31
change-person-director-company-with-change-date
officers · CH01
2022-02-21
change-to-a-person-with-significant-control
persons-with-significant-control · PSC04
2022-02-21
change-to-a-person-with-significant-control
persons-with-significant-control · PSC04
2022-02-21
accounts-with-accounts-type-micro-entity
accounts · AA
2021-12-17