SACCARD LIMITED

🏛️Establishedactive

SC666969 · ltd · incorporated 2020-07-09

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.

Why now

Window steady · low confidence

Stable recent picture — watch for any upcoming trigger event.

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 Jul 2025

Net worth

£17.3k

book net assets

Opportunity

77/100

Strong

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What this business does

Primary activity: Holiday centres and villages

Sector: Accommodation & food service

Investor take

Pursue

Strong opportunity: asset-holding vehicle with strong profile and bankable structure.

Opportunity 77/100 (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: share sale to pe / searcher (65/100).

Data confidence

Overall: medium (78/100)

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

Lenders & charges

Confirmed no charges registered

Directors & officers

3 officers (3 active, 3 linked, 2 with DOB)

Ownership & PSC

2 active PSC(s) of 2 total, 2 with control declared

Director network

1 connected companies via shared directors

Filing history

11 filings on record

Gazette notices

No matching gazette notices (standard for active companies)

Opportunity Score

77/100Strong

PassWatchWorth a lookStrongExceptional

Solid opportunity signal. Worth a dedicated memo and management meeting.

Business quality

Adequate — check latest filings for context.

Acquirability

Strong succession / seller-readiness signals.

Risk profile

Few red flags.

Signal strength

Good data coverage for analysis.

Signals from accounts

Derived from iXBRL accounts · accounting standard not declared

Positive net assets

Net assets £17,280

Key financials

2 years extracted from filed iXBRL accounts

Cash

—

Net Worth

£17k

↑ 223% YoY

Current Assets

£21k

↓ 17% YoY

Current Liabilities

—

Hover to see exact values · click legend to toggle series

Financials

Extracted from Companies House accounts · accounting standard unknown

Metric	2025-07-31	2024-07-31
Total assets	£17.3k	£-14.1k
Current assets	£20.8k	£25.2k
Net assets	£17.3k	£-14.1k

Amounts extracted automatically from iXBRL. Fields left blank were not reported or not mapped. Values in GBP unless stated.

Recent activity

Last 30 days

filings

Last 90 days

filing

• 1 accounts

Last 180 days

filing

• 1 accounts

Counts from Companies House filing history.

Corporate timeline (10 events)Click to expand

2026-04-06
📄
accounts-with-accounts-type-micro-entity
accounts · AA
2025-05-06
📄
accounts-with-accounts-type-micro-entity
accounts · AA
2024-04-25
📄
accounts-with-accounts-type-micro-entity
accounts · AA
2023-04-28
📄
accounts-with-accounts-type-micro-entity
accounts · AA
2022-04-07
📄
accounts-with-accounts-type-micro-entity
accounts · AA
2020-07-09
🏢
Company incorporated
As SACCARD LIMITED
2020-07-09
➕
STEWART, Carol Anne appointed
secretary
2020-07-09
➕
STEWART, Carol Anne appointed
director
2020-07-09
➕
STEWART, Ruraidh Cameron appointed
director
2020-07-09
📄
incorporation-company
incorporation · NEWINC

Owner dependency

74/100

High — earn-out structure required

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

FACTORS

+Two-director setup: Only two active directors — typical of owner-managed SMEs but limits succession.
+Senior director age: Director aged approximately 61 — approaching natural succession window.
+Family involvement: Multiple officers share a surname — likely family business, which concentrates governance.

Succession & seller-readiness

46/100

Moderate signal

Some succession indicators present. Worth watching; approach if sector/strategy fits.

SIGNALS

secondaryFounder aged 58+: Senior director is approximately 61. Early succession window.
secondaryTwo-director governance: Small-team governance. Succession depth is thin but not absent.

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

2 active beneficial owners

Name	Shares	Voting rights	Nature of control	Notified
Mrs Carol Anne Stewart Individual · British · DOB 12/1965 · age 61	25–50%	25–50%	25-50% shares · 25-50% voting	09/07/2020
Mr Ruraidh Cameron Stewart Individual · British · DOB 07/1999 · age 27	25–50%	25–50%	25-50% shares · 25-50% voting	09/07/2020

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.

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Similar companies

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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.

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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.

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Company details

Statusactive

Typeltd

Incorporated2020-07-09

Jurisdictionscotland

Primary SIC55201 — Holiday centres and villages

Registered office

Willowbank The Square

Balmacara

Ross-Shire

IV40 8DP

Scotland

Filing status

Accounts

Next due: 2027-04-30

Last made up to: 2025-07-31

Confirmation statement

Next due: 2026-07-22

Last: 2025-07-08

Officers (3 active · 0 resigned)

STEWART, Carol Anne→

secretary · appointed 2020-07-09

View their other companies + combined net worth →

Active

STEWART, Carol Anne→

director · ~61y · appointed 2020-07-09

View their other companies + combined net worth →

Active

STEWART, Ruraidh Cameron→

director · ~27y · appointed 2020-07-09

View their other companies + combined net worth →

Active

Click a director name to see their full track record across all companies.