SALTIRE FINANCIAL LTD
Opportunity 70/100 (strong), bankability 70/100. High owner-dependency — earn-out structure likely required for clean transition. Share purchase looks the cleaner deal structure. Biggest value-creation lever: Broaden director team. Sole director creates succession risk and reduces buyer comfort. Appoint a second director or strong #2. Most likely exit: strategic trade sale (65/100).
Data confidence
Overall: medium (76/100)Adequate coverage. AI outputs are reliable for the sections scored high; verify the rest in diligence.
Solid opportunity signal. Worth a dedicated memo and management meeting.
Signals from accounts
Derived from iXBRL accounts · FRS 105 (micro)Key financials
2 years extracted from filed iXBRL accountsHover to see exact values · click legend to toggle series
Financials
Extracted from Companies House accounts · FRS 105 (micro)| Metric | 2025-09-30 | 2024-09-30 |
|---|---|---|
| Total assets | £1.7k | £1.7k |
| Current assets | £19.7k | £8.5k |
| Net assets | £244 | £338 |
Amounts extracted automatically from iXBRL. Fields left blank were not reported or not mapped. Values in GBP unless stated.
2 signals 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
Corporate timeline (8 events)Click to expand
- 2026-01-22📄accounts-with-accounts-type-micro-entityaccounts · AA
- 2025-09-18📍change-registered-office-address-company-with-date-old-address-new-addressaddress · AD01
- 2025-06-03📍change-registered-office-address-company-with-date-old-address-new-addressaddress · AD01
- 2025-03-24📄accounts-with-accounts-type-micro-entityaccounts · AA
- 2024-06-21📄accounts-with-accounts-type-micro-entityaccounts · AA
- 2022-09-22🏢Company incorporatedAs SALTIRE FINANCIAL LTD
- 2022-09-22➕SMITH, Naomi Margaret appointeddirector
- 2022-09-22📄incorporation-companyincorporation · NEWINC
Owner dependency
Material founder dependency. Consider a 2-3 year earn-out and build in a handover plan before completion.
- +Sole director: Only one active director — all governance concentrated on one person.
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 lowMultiple address changes in a short period can indicate operational instability or admin disorder.
Shareholders & ownership
1 active beneficial owner · dominant holder ≥75%| Name | Shares | Voting rights | Nature of control | Notified |
|---|---|---|---|---|
Mrs Naomi Margaret Smith Individual · British · DOB 07/1989 · age 37 | 75–100% | 75–100% | board control75-100% shares · 75-100% voting · board control | 22/09/2022 |
From Companies House Persons with Significant Control filings. Share ranges are banded per the public PSC regime.
Similar companies
Active · Financial services · DG postcode area| Company | Est. value | Turnover | Net worth | Staff | Age | Opp | Director |
|---|---|---|---|---|---|---|---|
| BESPOKE HOME FINANCE LTD→ SC493767 · est 2014 | £193.7k £140.8k–£246.5k | — | — | 1 | 11y | 78 | 60y |
| DALBEATTIE FINANCE COMPANY LIMITED→ SC031300 · est 1956 · no financials extracted | — | — | — | — | 70y | 82 | 65y |
| HESTAN ASSET FINANCE LIMITED→ SC258322 · est 2003 | — | — | £950.9k | — | 22y | 80 | 68y |
| KENNEDY FINANCE LIMITED→ SC287955 · est 2005 | — | — | — | 100 | 20y | 80 | 65y |
| MARR FINANCIAL SERVICES LTD→ SC275449 · est 2004 | — | — | — | 4 | 21y | 80 | 66y |
| NYTHVA LTD→ SC057726 · est 1975 | — | — | £866.5k | — | 50y | 80 | 78y |
| ANNANDALE TRUSTEES LIMITED→ SC155060 · est 1994 | — | — | £1.1k | — | 31y | 79 | 65y |
| CARSPHAIRN RENEWABLE ENERGY FUND LIMITED→ SC359237 · est 2009 | — | — | — | 0 | 16y | 79 | 82y |
| NORMAN G. BLOUNT LIMITED→ SC058021 · est 1975 | — | — | — | 100 | 50y | 79 | 84y |
| J & CO BROKERS LTD→ SC487325 · est 2014 | — | — | £8.4k | — | 11y | 78 | 64y |
| ARLA FOODS GP LIMITED→ SC550037 · est 2016 · no financials extracted | — | — | — | — | 9y | 77 | 64y |
| ALASTAIR PATERSON LIMITED→ SC867953 · est 2025 · no financials extracted | — | — | — | — | — | 76 | 74y |
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.