THE Y CENTRE LIMITED
Opportunity 74/100 (strong), bankability 57/100. Strong seller-intent signal (63/100, director aged 72). Biggest value-creation lever: Consolidate lender relationships. 7 distinct lenders creates friction — refinance into single-lender structure for cleaner diligence. Most likely exit: share sale to pe / searcher (65/100).
Refinance opportunity
16 live charges · 7 lenders · oldest 25.3y
Refinance path is blocked by complexity. Rethink structure or expect bespoke, expensive terms.
- · Oldest live charge is 25.3 years old — likely at or near maturity.
- · 7 lenders named — inter-creditor friction likely.
- · Legal-friction score 40/100 — workable, but lender will want more DD.
Data confidence
Overall: low (49/100)Sparse data coverage. Treat AI-generated outputs as preliminary. Manual diligence essential.
Solid opportunity signal. Worth a dedicated memo and management meeting.
Recent activity
- • 1 accounts
- • 6 officers
- • 1 accounts
- • 6 officers
- • 1 accounts
- • 1 confirmation-statement
Corporate timeline (58 events)Click to expand
- 2026-04-09📄accounts-with-accounts-type-total-exemption-fullaccounts · AA
- 2026-02-26📄termination-director-company-with-name-termination-dateofficers · TM01
- 2026-02-24📄appoint-person-director-company-with-name-dateofficers · AP01
- 2026-02-24📄appoint-person-director-company-with-name-dateofficers · AP01
- 2026-02-24📄appoint-person-director-company-with-name-dateofficers · AP01
- 2026-02-24📄appoint-person-director-company-with-name-dateofficers · AP01
- 2026-02-23➖HUGHES, David resigneddirector
- 2026-02-12📄termination-director-company-with-name-termination-dateofficers · TM01
- 2025-12-12➕LOUDEN, Gordon appointeddirector
- 2025-12-12➕STRICKLAND, Christa appointeddirector
- 2025-12-12➕HUGHES, David appointeddirector
- 2025-11-27➖BREMNER, David Norman resigneddirector
- 2025-08-15📄mortgage-create-with-deed-with-charge-number-charge-creation-datemortgage · MR01
- 2025-08-08🔒Charge registered #16Lender: Perth and Kinross Heritage Trust
- 2025-07-23📄mortgage-alter-floating-charge-with-numbermortgage · 466(Scot)
- 2025-07-22📄mortgage-create-with-deed-with-charge-number-charge-creation-datemortgage · MR01
- 2025-07-22📄mortgage-create-with-deed-with-charge-number-charge-creation-datemortgage · MR01
- 2025-07-22📄mortgage-create-with-deed-with-charge-number-charge-creation-datemortgage · MR01
- 2025-07-21🔒Charge registered #15Lender: Foundation Scotland
- 2025-07-21🔒Charge registered #14Lender: Foundation Scotland
- 2025-07-21🔒Charge registered #13Lender: Foundation Scotland
- 2025-07-18📄mortgage-create-with-deed-with-charge-number-charge-creation-datemortgage · MR01
- 2025-07-16🔒Charge registered #12Lender: Foundation Scotland
- 2025-06-01➕MCKILLOP, Shaun Victor George appointeddirector
- 2025-03-28📄accounts-with-accounts-type-total-exemption-fullaccounts · AA
- 2024-05-09📄accounts-with-accounts-type-total-exemption-fullaccounts · AA
- 2024-05-09📄mortgage-create-with-deed-with-charge-number-charge-creation-datemortgage · MR01
- 2024-04-19🔒Charge registered #11Lender: Perth and Kinross Council
- 2024-01-19📄mortgage-create-with-deed-with-charge-number-charge-creation-datemortgage · MR01
- 2024-01-12🔒Charge registered #10Lender: Perth and Kinross Council
- 2023-08-29📄termination-director-company-with-name-termination-dateofficers · TM01
- 2023-08-29📄termination-director-company-with-name-termination-dateofficers · TM01
- 2023-08-29📄termination-director-company-with-name-termination-dateofficers · TM01
- 2023-06-21📄mortgage-create-with-deed-with-charge-number-charge-creation-datemortgage · MR01
- 2023-06-16🔒Charge registered #9Lender: Social Growth Fund 2 LLP
- 2023-05-29📄mortgage-create-with-deed-with-charge-number-charge-creation-datemortgage · MR01
- 2023-05-29🔒Charge registered #8Lender: Social Growth Fund 2 LLP
- 2023-05-04🔒Charge registered #7Lender: Perth and Kinross Council
- 2023-04-01➖HUGHES, David Peter resigneddirector
- 2023-04-01➖STRICKLAND, Christa resigneddirector
- 2023-04-01➖URQUHART, Wilfred Kenneth resigneddirector
- 2022-10-21🔒Charge registered #6Lender: Perth and Kinross Heritage Trust
- 2021-10-22🔒Charge registered #5Lender: Perth and Kinross Council
- 2020-11-06🔒Charge registered #4Lender: Trustees of the Gannochy Trust (Charity No. SCO03133)
- 2020-09-16🔒Charge registered #3Lender: Perth and Kinross Council
- 2020-08-04➕HUGHES, David Peter appointeddirector
- 2020-08-04➕STRICKLAND, Christa appointeddirector
- 2020-08-04➕URQUHART, Wilfred Kenneth appointeddirector
- 2020-02-13🔓Charge satisfied #1
- 2014-11-10➕BREMNER, David Norman appointeddirector
Owner dependency
Material founder dependency. Consider a 2-3 year earn-out and build in a handover plan before completion.
- -4 active directors: Broader management team in place — suggests transferable governance.
- +Long-tenure founder: Senior director has been in place 25 years — deep operational knowledge concentrated in one person.
- +Founder age: Director aged approximately 72 — succession pressure is live.
Succession & seller-readiness
Strong acquirability signals converging. Worth approaching directly — this is how off-market deals start.
- primaryFounder aged 70+: Senior director is approximately 72 years old. Natural succession window is now.
- primary20+ year tenure: Director in role 25 years. Very long tenure is a classic succession signal.
- supportingClean filings + long tenure: Disciplined long-tenure operator — classic lifestyle-business pattern that often sells quietly.
Red flags
2 med · 1 lowMultiple recent departures can indicate governance disagreement, succession event, or preparation for sale/stress.
Evidence: BREMNER, David Norman resigned 2025-11-27; HUGHES, David resigned 2026-02-23
Heavy recent charge activity can indicate refinancing pressure, aggressive leverage, or multiple lender rotation.
Evidence: 2025-08-08: A registered charge; 2025-07-21: A registered charge; 2025-07-21: A registered charge
Heavily leveraged with multiple live security positions — understand the capital structure before proceeding.
Radial SVG graph showing every company connected via shared directors, colour-coded by status.
Available from the Pro tier upwards.
See pricing →Similar companies
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9 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 (5 active · 6 resigned)
Click a director name to see their full track record across all companies.
Mortgages & charges
| Type | Properties | |||||
|---|---|---|---|---|---|---|
| outstanding | Perth and Kinross Heritage Trust | A registered charge | 2 properties | 08/08/2025 | — | |
| outstanding | Foundation Scotland | A registered charge | 1 property | 21/07/2025 | — | |
| outstanding | Foundation Scotland | A registered charge | 1 property | 21/07/2025 | — | |
| outstanding | Foundation Scotland | A registered charge | 1 property | 21/07/2025 | — | |
| outstanding | Foundation Scotland | A registered charge | — | 16/07/2025 | — | |
| outstanding | Perth and Kinross Council | A registered charge | 1 property | 19/04/2024 | — | |
| outstanding | Perth and Kinross Council | A registered charge | 1 property | 12/01/2024 | — | |
| outstanding | Social Growth Fund 2 Social Growth Fund 2 LLP | A registered charge | 3 properties | 16/06/2023 | — | |
| outstanding | Social Growth Fund 2 Social Growth Fund 2 LLP | A registered charge | — | 29/05/2023 | — | |
| outstanding | Perth and Kinross Council | A registered charge | 1 property | 04/05/2023 | — | |
| outstanding | Perth and Kinross Heritage Trust | A registered charge | 1 property | 21/10/2022 | — | |
| outstanding | Perth and Kinross Council | A registered charge | 1 property | 22/10/2021 | — | |
| outstanding | Trustees of the Gannochy Trust (Charity No. SCO03133) | A registered charge | 1 property | 06/11/2020 | — | |
| outstanding | Perth and Kinross Council | A registered charge | 1 property | 16/09/2020 | — | |
| satisfied | Church of Scotland General Trustees | Standard security | 1 property | 24/01/2001 | 26/05/2012 | |
| satisfied | The Trustees of the Forteviot Charitable Trust | Standard security | 1 property | 24/01/2001 | 13/02/2020 |