WHEATLEY HOMES SOUTH LIMITED

🌳Matureactive

SC220297 · private-limited-guarant-nsc · incorporated 2001-06-15

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

—

not disclosed

Net worth

—

book net assets

Opportunity

70/100

Strong

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What this business does

Primary activity: Renting and operating of Housing Association real estate

Sector: Real estate

Investor take

Pursue

Property-backed borrower with a 77-year-old founder — textbook succession opportunity.

Opportunity 70/100 (strong), bankability 57/100. Strong seller-intent signal (63/100, director aged 77). Biggest value-creation lever: Consolidate lender relationships. 10 distinct lenders creates friction — refinance into single-lender structure for cleaner diligence. Most likely exit: share sale to pe / searcher (45/100).

🏦

Refinance opportunity

28 live charges · 10 lenders · oldest 23.1y

25/100

too messy

Structure is too messy for a clean refinance right now — clean up first or expect bespoke terms.

· Oldest live charge is 23.1 years old — likely at or near maturity.
· 10 lenders named — inter-creditor friction likely.
· Legal-friction score 53/100 (high).

Data confidence

Overall: medium (58/100)

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

No iXBRL financials extracted

Lenders & charges

28 charges (28/28 with lender, 28/28 with type)

Directors & officers

94 officers (10 active, 94 linked, 83 with DOB)

Ownership & PSC

1 active PSC(s) of 1 total, 1 with control declared

Director network

2 connected companies via shared directors

Filing history

292 filings on record

Gazette notices

No matching gazette notices (standard for active companies)

Opportunity Score

70/100Strong

PassWatchWorth a lookStrongExceptional

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

Business quality

Adequate — check latest filings for context.

Acquirability

Strong succession / seller-readiness signals.

Risk profile

Some moderate concerns — review flags.

Signal strength

100

Good data coverage for analysis.

Recent activity

Last 30 days

filings

Last 90 days

filings

• 3 officers
• 1 confirmation-statement

Last 180 days

filings

• 5 officers
• 1 confirmation-statement

Counts from Companies House filing history.

Corporate timeline (235 events)Click to expand

2026-04-09
📄
change-person-director-company-with-change-date
officers · CH01
2026-04-08
📄
change-person-director-company-with-change-date
officers · CH01
2026-04-08
📄
change-person-director-company-with-change-date
officers · CH01
2026-01-28
📄
appoint-person-director-company-with-name-date
officers · AP01
2026-01-20
📄
appoint-person-director-company-with-name-date
officers · AP01
2026-01-10
➕
CAMPBELL, Helen Elizabeth appointed
director
2026-01-08
➕
CLARK HUTCHISON, Alison Jane appointed
director
2025-10-03
📄
accounts-with-accounts-type-full
accounts · AA
2025-08-29
📄
termination-director-company-with-name-termination-date
officers · TM01
2025-08-20
➖
DORBY, Martin resigned
director
2025-06-20
➕
CARRUTHERS, David Donald appointed
director
2025-06-20
➖
MCCRAW, John resigned
director
2025-06-20
📄
termination-director-company-with-name-termination-date
officers · TM01
2025-06-20
📄
appoint-person-director-company-with-name-date
officers · AP01
2025-05-23
📄
appoint-person-director-company-with-name-date
officers · AP01
2025-05-23
📄
termination-director-company-with-name-termination-date
officers · TM01
2025-05-21
➖
MARTIN, Hugh Robert John resigned
director
2025-05-13
➕
POLLARD, Joan Violet appointed
director
2024-10-14
📄
accounts-with-accounts-type-full
accounts · AA
2024-06-12
📄
appoint-person-director-company-with-name-date
officers · AP01
2024-06-12
📄
termination-director-company-with-name-termination-date
officers · TM01
2024-05-29
➖
BURDEN, Fiona resigned
director
2024-05-29
➕
DORBY, Martin appointed
director
2024-04-09
📄
mortgage-create-with-deed-with-charge-number-charge-creation-date
mortgage · MR01
2024-04-08
🔒
Charge registered #28
Lender: The Housing Finance Corporation Limited
2023-10-24
📄
accounts-with-accounts-type-full
accounts · AA
2023-09-28
📄
appoint-person-director-company-with-name-date
officers · AP01
2023-09-27
📄
termination-director-company-with-name-termination-date
officers · TM01
2023-09-20
➕
LEGG, Garry Alan appointed
director
2023-09-20
➖
DOWDEN, Maureen resigned
director
2023-04-06
📄
appoint-person-director-company-with-name-date
officers · AP01
2023-04-04
📄
termination-director-company-with-name-termination-date
officers · TM01
2023-03-29
➕
HUNTER, Karen Margaret appointed
director
2023-03-29
➖
MACNAUGHTON, Heather, Ms. resigned
director
2022-12-06
📄
termination-director-company-with-name-termination-date
officers · TM01
2022-11-30
➖
HAMILTON, Caryl resigned
director
2022-09-21
➕
TOTTON, Josephine Catherine appointed
director
2022-04-15
🔒
Charge registered #27
Lender: M&G Trustee Company Limited as Security Trustee
2022-04-15
🔒
Charge registered #26
Lender: M&G Trustee Company Limited as Security Trustee
2022-03-30
➕
MARTIN, Hugh Robert John appointed
director
2021-09-22
➖
CLARK, Irene resigned
director
2021-09-22
➖
ROBERTSON, William resigned
director
2021-06-14
➕
HAMILTON, Caryl appointed
director
2021-04-01
➖
THORLEY, George William Faulds resigned
director
2021-02-10
🔓
Charge satisfied #6
2020-03-23
➕
BURDEN, Fiona appointed
director
2020-02-26
➕
ALLISON, Anthony appointed
secretary
2020-02-26
➖
MOWAT, Eilidh resigned
secretary
2020-02-04
🔒
Charge registered #25
Lender: Prudential Trustee Company Limited (As Security Trustee)
2020-02-04
🔒
Charge registered #24
Lender: Prudential Trustee Company Limited (As Security Trustee)

Showing most recent 50 of 235 events

Owner dependency

55/100

Moderate — manageable with handover

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

FACTORS

-9 active directors: Broader management team in place — suggests transferable governance.
+Founder age: Director aged approximately 77 — succession pressure is live.

Succession & seller-readiness

60/100

Strong succession signal

Multiple signals suggest succession is on the horizon. Candidate for proactive outreach.

SIGNALS

primaryFounder aged 70+: Senior director is approximately 77 years old. Natural succession window is now.

Red flags

2 med · 1 low

3 director resignations in last 12 months

medium

Multiple recent departures can indicate governance disagreement, succession event, or preparation for sale/stress.

Evidence: DORBY, Martin resigned 2025-08-20; MARTIN, Hugh Robert John resigned 2025-05-21; MCCRAW, John resigned 2025-06-20

Charge satisfaction-then-recreation pattern

medium

Multiple instances where a charge was satisfied and a new charge created within 6 months. Suggests active refinancing cycle.

21 live charges

low

Heavily leveraged with multiple live security positions — understand the capital structure before proceeding.

Group structure

Wheatley Housing Group Limited holds 25-50% — a significant corporate investor but not a controlling parent.

🏛️

Wheatley Housing Group Limited

Corporate parent · board control

⬇

WHEATLEY HOMES SOUTH LIMITED

This company · SC220297

Parent relationships inferred from Persons with Significant Control filings. Full subsidiary tree requires reverse-lookup (coming).

Shareholders & ownership

1 active beneficial owner

Name	Shares	Voting rights	Nature of control	Notified
Wheatley Housing Group Limited Corporate entity	—	—	board controlboard control	12/12/2019

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.

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Company details

Statusactive

Typeprivate-limited-guarant-nsc

Incorporated2001-06-15

Jurisdictionscotland

Primary SIC68201 — Renting and operating of Housing Association real estate

Registered office

Wheatley House

25 Cochrane Street

Glasgow

G1 1HL

Scotland

Filing status

Accounts

Next due: 2026-12-31

Last made up to: 2025-03-31

Confirmation statement

Next due: 2027-04-15

Last: 2026-04-01