SALTIRE CAPITAL LIMITED
Opportunity 69/100 (strong), bankability 57/100. High owner-dependency — earn-out structure likely required for clean transition. Share purchase looks the cleaner deal structure. Biggest value-creation lever: Consolidate lender relationships. 3 distinct lenders creates friction — refinance into single-lender structure for cleaner diligence. Most likely exit: strategic trade sale (65/100).
Refinance opportunity
7 live charges · 3 lenders · oldest 5.5y
Refinance would be pressure-driven, not opportunity-driven. Expect tighter margins and covenant scrutiny.
- · Oldest live charge is 5.5 years old — likely at or near maturity.
- · 3 lenders named — inter-creditor friction likely.
- · Distress signals active — lender appetite narrows.
Data confidence
Overall: high (81/100)Strong data coverage across all sections. AI outputs should be trusted with minimal caveats.
Solid opportunity signal. Worth a dedicated memo and management meeting.
Signals from accounts
Derived from iXBRL accounts · accounting standard not declaredKey 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 | 2025-05-31 | 2024-05-31 |
|---|---|---|
| Total assets | £26.9k | £24.3k |
| Current assets | £29.4k | £45.3k |
| Cash | £2.3k | £1.1k |
| Debtors | £27.1k | £16.1k |
| Net assets | £26.9k | £24.3k |
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 (24 events)Click to expand
- 2026-02-27📄accounts-with-accounts-type-unaudited-abridgedaccounts · AA
- 2025-07-29📄gazette-filings-brought-up-to-dategazette · DISS40
- 2025-07-22📄gazette-notice-compulsorygazette · GAZ1
- 2025-02-21📄accounts-with-accounts-type-unaudited-abridgedaccounts · AA
- 2024-02-29📄accounts-with-accounts-type-unaudited-abridgedaccounts · AA
- 2023-05-17📄accounts-with-accounts-type-unaudited-abridgedaccounts · AA
- 2022-05-17📄mortgage-create-with-deed-with-charge-number-charge-creation-datemortgage · MR01
- 2022-05-17📄mortgage-create-with-deed-with-charge-number-charge-creation-datemortgage · MR01
- 2022-05-10🔒Charge registered #7Lender: Sfrk Limited
- 2022-05-10🔒Charge registered #6Lender: Sfrk Limited
- 2022-01-31📄accounts-with-accounts-type-unaudited-abridgedaccounts · AA
- 2021-11-27📄mortgage-create-with-deed-with-charge-number-charge-creation-datemortgage · MR01
- 2021-11-27📄mortgage-create-with-deed-with-charge-number-charge-creation-datemortgage · MR01
- 2021-11-19🔒Charge registered #5Lender: Meikle Properties Limited
- 2021-11-19🔒Charge registered #4Lender: Meikle Properties Limited
- 2020-10-28📄mortgage-create-with-deed-with-charge-number-charge-creation-datemortgage · MR01
- 2020-10-28📄mortgage-create-with-deed-with-charge-number-charge-creation-datemortgage · MR01
- 2020-10-28📄mortgage-create-with-deed-with-charge-number-charge-creation-datemortgage · MR01
- 2020-10-21🔒Charge registered #3Lender: Meikle Properties Limited
- 2020-10-21🔒Charge registered #2Lender: Meikle Properties Limited
- 2020-10-21🔒Charge registered #1Lender: Boxing Dinner Club Limited
- 2020-05-04🏢Company incorporatedAs SALTIRE CAPITAL LIMITED
- 2020-05-04➕LOVAT, Timothy Edward appointeddirector
- 2020-05-04📄incorporation-companyincorporation · NEWINC
Owner dependency
The business appears inseparable from the founder. Acquisition without a serious earn-out or meaningful transition period would likely destroy value.
- +Sole director: Only one active director — all governance concentrated on one person.
- +No director turnover: Company is 6 years old with no director changes — suggests a very tight-knit founder team never broadened.
Succession & seller-readiness
Some succession indicators present. Worth watching; approach if sector/strategy fits.
- primarySole active director: Only one director in control. No visible successor — buyers solve the succession problem.
Red flags
1 lowHeavily leveraged with multiple live security positions — understand the capital structure before proceeding.
Shareholders & ownership
1 active beneficial owner · dominant holder ≥75%| Name | Shares | Voting rights | Nature of control | Notified |
|---|---|---|---|---|
Mrs Claire Ruth Miriam Lovat Individual · British · DOB 11/1977 · age 49 | 75–100% | 75–100% | board control75-100% shares · 75-100% voting · board control | 04/05/2020 |
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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| SIFAOUI CONSULTANCY LIMITED→ SC775975 · est 2023 · no financials extracted | — | — | — | — | 2y | — | — |
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| SPECTRUM WEALTH GROUP LTD→ SC682808 · est 2020 · no financials extracted | — | — | — | — | 5y | — | — |
| ST MATHEW INVESTMENTS LIMITED→ SC682287 · est 2020 · no financials extracted | — | — | — | — | 5y | — | — |
| STRABANE ENTERPRISES (UK) LIMITED→ SC801666 · est 2024 · no financials extracted | — | — | — | — | 2y | — | — |
| STRATTON OAKMOUNT LIMITED→ SC688444 · est 2021 · no financials extracted | — | — | — | — | 5y | — | — |
| TDH FINANCIAL PLANNING LTD→ SC778407 · est 2023 · no financials extracted | — | — | — | — | 2y | — | — |
| TDS (E&W) LIMITED→ SC530749 · est 2016 · no financials extracted | — | — | — | — | 10y | — | — |
8 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 (1 active · 0 resigned)
Click a director name to see their full track record across all companies.
Mortgages & charges
| Type | Properties | |||||
|---|---|---|---|---|---|---|
| outstanding | Sfrk Sfrk Limited | A registered charge | 1 property | 10/05/2022 | — | |
| outstanding | Sfrk Sfrk Limited | A registered charge | 1 property | 10/05/2022 | — | |
| outstanding | Meikle Properties Meikle Properties Limited | A registered charge | 1 property | 19/11/2021 | — | |
| outstanding | Meikle Properties Meikle Properties Limited | A registered charge | 1 property | 19/11/2021 | — | |
| outstanding | Meikle Properties Meikle Properties Limited | A registered charge | 2 properties | 21/10/2020 | — | |
| outstanding | Meikle Properties Meikle Properties Limited | A registered charge | 1 property | 21/10/2020 | — | |
| outstanding | Boxing Dinner Club Boxing Dinner Club Limited | A registered charge | 1 property | 21/10/2020 | — |