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.
🔒Estimated value
—
Upgrade to see
Turnover
—
year to Jul 2025
Net worth
£17.3k
book net assets
Opportunity
77/100
Strong
What this business does
Primary activity: Holiday centres and villages
Sector: Accommodation & food service
Investor take
PursueStrong 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
75
Lenders & charges
Confirmed no charges registered
85
Directors & officers
3 officers (3 active, 3 linked, 2 with DOB)
83
Ownership & PSC
2 active PSC(s) of 2 total, 2 with control declared
90
Director network
1 connected companies via shared directors
48
Filing history
11 filings on record
85
Gazette notices
No matching gazette notices (standard for active companies)
60
Opportunity Score
77/100Strong
PassWatchWorth a lookStrongExceptional
Solid opportunity signal. Worth a dedicated memo and management meeting.
Business quality
65
Adequate — check latest filings for context.
Acquirability
75
Strong succession / seller-readiness signals.
Risk profile
85
Few red flags.
Signal strength
90
Good data coverage for analysis.
Signals from accounts
Derived from iXBRL accounts · accounting standard not declaredPositive net assets
Net assets £17,280
Key financials
2 years extracted from filed iXBRL accountsCash
—
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
1
filing
- • 1 accounts
Last 90 days
1
filing
- • 1 accounts
Last 180 days
1
filing
- • 1 accounts
Counts from Companies House filing history.
Corporate timeline (10 events)Click to expand
- 2026-04-06📄accounts-with-accounts-type-micro-entityaccounts · AA
- 2025-05-06📄accounts-with-accounts-type-micro-entityaccounts · AA
- 2024-04-25📄accounts-with-accounts-type-micro-entityaccounts · AA
- 2023-04-28📄accounts-with-accounts-type-micro-entityaccounts · AA
- 2022-04-07📄accounts-with-accounts-type-micro-entityaccounts · AA
- 2020-07-09🏢Company incorporatedAs SACCARD LIMITED
- 2020-07-09➕STEWART, Carol Anne appointedsecretary
- 2020-07-09➕STEWART, Carol Anne appointeddirector
- 2020-07-09➕STEWART, Ruraidh Cameron appointeddirector
- 2020-07-09📄incorporation-companyincorporation · NEWINC
Owner dependency
74/100
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.
- +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 signalSome 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
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 |
|---|---|---|---|---|
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.
See pricing →Similar companies
Active · Hospitality · IV postcode area| Company | Est. value | Turnover | Net worth | Staff | Age | Opp | Director |
|---|---|---|---|---|---|---|---|
| SKIBO LIMITED→ SC125259 · est 1990 · no financials extracted | — | — | — | — | 35y | — | — |
| SKYE GETAWAYS LTD→ SC612005 · est 2018 · no financials extracted | — | — | — | — | 7y | — | — |
| SKYE HOTELS LTD→ SC717082 · est 2021 · no financials extracted | — | — | — | — | 4y | — | — |
| SKYE LODGES LTD→ SC599929 · est 2018 · no financials extracted | — | — | — | — | 7y | — | — |
| SKYE NEST VISTA LTD→ SC877171 · est 2026 · no financials extracted | — | — | — | — | — | — | — |
| SONAS HOSPITALITY (KNIPOCH) LTD→ SC757589 · est 2023 · no financials extracted | — | — | — | — | 3y | — | — |
| SPICE R AND T LTD→ SC769673 · est 2023 · no financials extracted | — | — | — | — | 2y | — | — |
| SR FORRES LTD→ SC882088 · est 2026 · no financials extracted | — | — | — | — | — | — | — |
| ST DUTHUS VILLA GUESTHOUSE LIMITED→ SC734222 · est 2022 · no financials extracted | — | — | — | — | 3y | — | — |
| STRATHSPEY MOUNTAIN HOSTEL LTD.→ SC251115 · est 2003 · no financials extracted | — | — | — | — | 22y | — | — |
| SUNSET SKYE LTD.→ SC603226 · est 2018 · no financials extracted | — | — | — | — | 7y | — | — |
| SUPER GRILL (INVERNESS) LTD→ SC831463 · est 2024 · no financials extracted | — | — | — | — | 1y | — | — |
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
Incorporated2020-07-09
Jurisdictionscotland
Primary SIC55201 — Holiday centres and villages
Registered office
Willowbank The Square
Balmacara
Ross-Shire
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→
Activesecretary · appointed 2020-07-09
View their other companies + combined net worth →
STEWART, Carol Anne→
Activedirector · ~61y · appointed 2020-07-09
View their other companies + combined net worth →
STEWART, Ruraidh Cameron→
Activedirector · ~27y · appointed 2020-07-09
View their other companies + combined net worth →
Click a director name to see their full track record across all companies.
Recent filings (11 total)
accounts-with-accounts-type-micro-entity
accounts · AA
2026-04-06
confirmation-statement-with-no-updates
confirmation-statement · CS01
2025-07-09
accounts-with-accounts-type-micro-entity
accounts · AA
2025-05-06
confirmation-statement-with-no-updates
confirmation-statement · CS01
2024-07-17
accounts-with-accounts-type-micro-entity
accounts · AA
2024-04-25
confirmation-statement-with-no-updates
confirmation-statement · CS01
2023-07-16
accounts-with-accounts-type-micro-entity
accounts · AA
2023-04-28
confirmation-statement-with-no-updates
confirmation-statement · CS01
2022-07-21
accounts-with-accounts-type-micro-entity
accounts · AA
2022-04-07
confirmation-statement-with-updates
confirmation-statement · CS01
2021-07-08
incorporation-company
incorporation · NEWINC
2020-07-09