HARBOUR FOOD SHOP ST MONANS LTD

🌱Startupactive
SC856518 · ltd · incorporated 2025-07-23
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
not disclosed
Net worth
book net assets
Opportunity
71/100
Strong
🔔
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What this business does
Primary activity: Retail sale in non-specialised stores with food, beverages or tobacco predominating
Sector: Wholesale & retail
Investor take
Pursue
Strong opportunity: active trading company with strong profile and acceptable with review structure.

Opportunity 71/100 (strong), bankability 65/100. 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 (58/100).

Data confidence

Overall: low (52/100)

Sparse data coverage. Treat AI-generated outputs as preliminary. Manual diligence essential.

Company profile
address, 1 SIC codes, incorporation date
100
Financials
No iXBRL financials extracted
0
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
Network not yet resolved
30
Filing history
2 filings — limited history
30
Gazette notices
No matching gazette notices (standard for active companies)
60
Opportunity Score
71/100Strong
PassWatchWorth a lookStrongExceptional 

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

Business quality
60
Adequate — check latest filings for context.
Acquirability
55
Some acquirability indicators.
Risk profile
85
Few red flags.
Signal strength
90
Good data coverage for analysis.

Recent activity

Last 30 days
0
filings
Last 90 days
0
filings
Last 180 days
0
filings
Counts from Companies House filing history.
Corporate timeline (5 events)Click to expand
  1. 2025-08-25
    📍
    change-registered-office-address-company-with-date-old-address-new-address
    address · AD01
  2. 2025-07-23
    🏢
    Company incorporated
    As HARBOUR FOOD SHOP ST MONANS LTD
  3. 2025-07-23
    BELTRÁN DOS SANTOS, Fermín Luis Antonio appointed
    director
  4. 2025-07-23
    BELTRÁN DOS SANTOS, Lucy Jane appointed
    director
  5. 2025-07-23
    📄
    incorporation-company
    incorporation · NEWINC

Owner dependency

71/100
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.
  • +Family involvement: Multiple officers share a surname — likely family business, which concentrates governance.
  • +Young company: Only 0.9 years old — management layer unlikely to be developed.

Succession & seller-readiness

36/100
Weak signal

Limited succession signal. Not a near-term off-market candidate.

SIGNALS
  • 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
NameSharesVoting rightsNature of controlNotified
Mrs Lucy Jane Beltrán Dos Santos
Individual · Scottish · DOB 08/1979 · age 47
2550%
25–50%25-50% shares · 25-50% voting23/07/2025
Mr Fermín Luis Antonio Beltrán Dos Santos
Individual · Scottish · DOB 06/1978 · age 48
2550%
25–50%25-50% shares · 25-50% voting23/07/2025

From Companies House Persons with Significant Control filings. Share ranges are banded per the public PSC regime.

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Peers ranked by estimated value, then turnover, then opportunity score.See all →
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Available from the Pro tier upwards.

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Company details

Statusactive
Typeltd
Incorporated2025-07-23
Jurisdictionscotland
Primary SIC47110 — Retail sale in non-specialised stores with food, beverages or tobacco predominating

Registered office

Unit 3 15 Station Road
St. Monans
Anstruther
Fife
KY10 2BL
Scotland

Filing status

Accounts
Next due: 2027-04-23
Last made up to:
Confirmation statement
Next due: 2026-08-05
Last:

Officers (2 active · 0 resigned)

BELTRÁN DOS SANTOS, Fermín Luis Antonio
director · ~48y · appointed 2025-07-23
View their other companies + combined net worth →
Active
BELTRÁN DOS SANTOS, Lucy Jane
director · ~47y · appointed 2025-07-23
View their other companies + combined net worth →
Active

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

Recent filings (2 total)

change-registered-office-address-company-with-date-old-address-new-address
address · AD01
2025-08-25
incorporation-company
incorporation · NEWINC
2025-07-23