SALTIRE INVESTMENTS (SCOTLAND) LTD

🌿Early-stageactive
SC702004 · ltd · incorporated 2021-06-18
Investment thesis
Property vehicle with leveraged stack — refinance / partial-release angle.
Why interesting: Asset-backed; value largely in underlying property; lender engagement likely possible.
Why risky: Multiple lenders to manage; inter-creditor friction and partial-release cost possible.
🔒Estimated value
—
Upgrade to see
Turnover
—
year to Oct 2025
Net worth
—
book net assets
Opportunity
76/100
Strong
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What this business does
Primary activity: Buying and selling of own real estate
Sector: Real estate
ALSO REGISTERED FOR
  • 68209Other letting and operating of own or leased real estate
  • 68320Management of real estate on a fee or contract basis
Investor take
Pursue
Property-backed borrower. Family succession underway — not a classic acquisition target.

Opportunity 76/100 (strong), bankability 52/100. Same-surname younger director in place — likely family handover, not open to sale. 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: share sale to pe / searcher (65/100).

🏦

Refinance opportunity

4 live charges · 3 lenders · oldest 4.2y

25/100
too messy

Refinance path is blocked by complexity. Rethink structure or expect bespoke, expensive terms.

  • · Charge age ~4.2 years — mid-life; refi window approaching.
  • · 3 lenders named — inter-creditor friction likely.
  • · Legal-friction score 25/100 — workable, but lender will want more DD.

Data confidence

Overall: high (81/100)

Strong data coverage across all sections. AI outputs should be trusted with minimal caveats.

Company profile
address, 3 SIC codes, incorporation date
100
Financials
2 years of iXBRL accounts extracted (YoY deltas available) + narrative notes parsed
75
Lenders & charges
4 charges (4/4 with lender, 4/4 with type)
90
Directors & officers
4 officers (4 active, 4 linked, 4 with DOB)
90
Ownership & PSC
1 active PSC(s) of 1 total, 1 with control declared
90
Director network
3 connected companies via shared directors
54
Filing history
19 filings on record
85
Gazette notices
No matching gazette notices (standard for active companies)
60
Opportunity Score
76/100Strong
PassWatchWorth a lookStrongExceptional 

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

Business quality
60
Adequate — check latest filings for context.
Acquirability
70
Strong succession / seller-readiness signals.
Risk profile
85
Few red flags.
Signal strength
100
Good data coverage for analysis.

Key financials

2 years extracted from filed iXBRL accounts
Cash
—
Net Worth
—
Current Assets
—
Current Liabilities
—
£0£0£0£0£0£0Oct 2024Oct 2025

Hover to see exact values · click legend to toggle series

Financials

Extracted from Companies House accounts · FRS 102
Metric2025-10-312024-10-31
Average employees1100

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

🔒Filing-note intelligence

3 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

Last 30 days
0
filings
Last 90 days
1
filing
  • • 1 accounts
Last 180 days
4
filings
  • • 3 officers
  • • 1 accounts
Counts from Companies House filing history.
Corporate timeline (24 events)Click to expand
  1. 2026-04-08
    📄
    accounts-with-accounts-type-total-exemption-full
    accounts · AA
  2. 2026-02-25
    📄
    appoint-person-director-company-with-name-date
    officers · AP01
  3. 2026-02-25
    📄
    appoint-person-director-company-with-name-date
    officers · AP01
  4. 2026-02-25
    📄
    appoint-person-director-company-with-name-date
    officers · AP01
  5. 2026-02-04
    ➕
    LANDELLS, Rebecca Julia appointed
    director
  6. 2026-02-04
    ➕
    PETERS, Robert Bruce appointed
    director
  7. 2026-02-04
    ➕
    PETERS, Vanessa Mary appointed
    director
  8. 2025-03-13
    📄
    accounts-with-accounts-type-total-exemption-full
    accounts · AA
  9. 2024-08-08
    📄
    mortgage-create-with-deed-with-charge-number-charge-creation-date
    mortgage · MR01
  10. 2024-08-07
    🔒
    Charge registered #4
    Lender: Allica Bank Limited
  11. 2024-06-27
    📄
    change-person-director-company-with-change-date
    officers · CH01
  12. 2024-06-27
    📄
    change-to-a-person-with-significant-control
    persons-with-significant-control · PSC04
  13. 2024-03-19
    📄
    accounts-with-accounts-type-total-exemption-full
    accounts · AA
  14. 2023-03-10
    📄
    accounts-with-accounts-type-total-exemption-full
    accounts · AA
  15. 2023-01-17
    📄
    change-account-reference-date-company-previous-extended
    accounts · AA01
  16. 2022-05-06
    📄
    mortgage-create-with-deed-with-charge-number-charge-creation-date
    mortgage · MR01
  17. 2022-05-04
    🔒
    Charge registered #3
    Lender: Bank of Scotland PLC
  18. 2022-04-22
    📄
    mortgage-create-with-deed-with-charge-number-charge-creation-date
    mortgage · MR01
  19. 2022-04-20
    🔒
    Charge registered #2
    Lender: Bank of Scotland PLC
  20. 2022-04-01
    📄
    mortgage-create-with-deed-with-charge-number-charge-creation-date
    mortgage · MR01
  21. 2022-03-30
    🔒
    Charge registered #1
    Lender: Aldermore Bank PLC
  22. 2021-06-18
    🏢
    Company incorporated
    As SALTIRE INVESTMENTS (SCOTLAND) LTD
  23. 2021-06-18
    ➕
    PETERS, David John appointed
    director
  24. 2021-06-18
    📄
    incorporation-company
    incorporation · NEWINC

Owner dependency

56/100
Moderate — manageable with handover

Some founder dependency, but not acute. A structured handover period should cover most risk.

FACTORS
  • -4 active directors: Broader management team in place — suggests transferable governance.
  • +Senior director age: Director aged approximately 63 — approaching natural succession window.
  • +Family involvement: Multiple officers share a surname — likely family business, which concentrates governance.

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

1 active beneficial owner · dominant holder ≥75%
NameSharesVoting rightsNature of controlNotified
Mr David John Peters
Individual · British · DOB 07/1966 · age 60
75–100%
75–100%board control75-100% shares · 75-100% voting · board control18/06/2021

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 →

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Peers ranked by estimated value, then turnover, then opportunity score.See all →
🔒Tailored diligence questions

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 →
🔒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
Incorporated2021-06-18
Jurisdictionscotland
Primary SIC68100 — Buying and selling of own real estate

Registered office

45 & 46 Dryden Terrace
Loanhead
EH20 9JL
United Kingdom

Filing status

Accounts
Next due: 2027-07-31
Last made up to: 2025-10-31
Confirmation statement
Next due: 2026-07-02
Last: 2025-06-18

Officers (4 active · 0 resigned)

LANDELLS, Rebecca Julia→
director · ~34y · appointed 2026-02-04
View their other companies + combined net worth →
Active
PETERS, David John→
director · ~60y · appointed 2021-06-18
View their other companies + combined net worth →
Active
PETERS, Robert Bruce→
director · ~32y · appointed 2026-02-04
View their other companies + combined net worth →
Active
PETERS, Vanessa Mary→
director · ~63y · appointed 2026-02-04
View their other companies + combined net worth →
Active

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

Mortgages & charges

4
Total charges
4
Outstanding
3
Active lenders
Status:Lender:4 of 4 shown
TypeProperties
outstanding
Allica Bank
Allica Bank Limited
A registered charge1 property07/08/2024—
outstanding
Lloyds Banking Group
Bank of Scotland PLC
A registered charge2 properties04/05/2022—
outstanding
Lloyds Banking Group
Bank of Scotland PLC
A registered charge—20/04/2022—
outstanding
Aldermore
Aldermore Bank PLC
A registered charge1 property30/03/2022—
Click column headers to sort. Use filters above to narrow by status and lender.

Recent filings (19 total)

accounts-with-accounts-type-total-exemption-full
accounts · AA
2026-04-08
appoint-person-director-company-with-name-date
officers · AP01
2026-02-25
appoint-person-director-company-with-name-date
officers · AP01
2026-02-25
appoint-person-director-company-with-name-date
officers · AP01
2026-02-25
confirmation-statement-with-no-updates
confirmation-statement · CS01
2025-06-18
accounts-with-accounts-type-total-exemption-full
accounts · AA
2025-03-13
mortgage-create-with-deed-with-charge-number-charge-creation-date
mortgage · MR01
2024-08-08
confirmation-statement-with-no-updates
confirmation-statement · CS01
2024-07-02
change-person-director-company-with-change-date
officers · CH01
2024-06-27
change-to-a-person-with-significant-control
persons-with-significant-control · PSC04
2024-06-27
accounts-with-accounts-type-total-exemption-full
accounts · AA
2024-03-19
confirmation-statement-with-updates
confirmation-statement · CS01
2023-06-21
accounts-with-accounts-type-total-exemption-full
accounts · AA
2023-03-10
change-account-reference-date-company-previous-extended
accounts · AA01
2023-01-17
confirmation-statement-with-updates
confirmation-statement · CS01
2022-07-14