GILDA & PEARL LTD
- 46420Wholesale of clothing and footwear
- 47910Retail sale via mail order houses or via Internet
Opportunity 77/100 (strong), bankability 67/100. High owner-dependency — earn-out structure likely required for clean transition. Share purchase looks the cleaner deal structure. Biggest value-creation lever: Consolidate lender relationships. 4 distinct lenders creates friction — refinance into single-lender structure for cleaner diligence. Most likely exit: share sale to pe / searcher (58/100).
Refinance opportunity
3 live charges · 3 lenders · oldest 9.5y
Refinance would be pressure-driven, not opportunity-driven. Expect tighter margins and covenant scrutiny.
- · Oldest live charge is 9.5 years old — likely at or near maturity.
- · 3 lenders named — inter-creditor friction likely.
- · Distress signals active — lender appetite narrows.
Data confidence
Overall: high (80/100)Strong data coverage across all sections. AI outputs should be trusted with minimal caveats.
Solid opportunity signal. Worth a dedicated memo and management meeting.
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 102| Metric | 2025-04-30 | 2024-04-30 |
|---|---|---|
| Average employees | 300 | 400 |
Amounts extracted automatically from iXBRL. Fields left blank were not reported or not mapped. Values in GBP unless stated.
1 signal 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 address
- • 1 address
- • 1 accounts
Corporate timeline (24 events)Click to expand
- 2026-03-03📍change-registered-office-address-company-with-date-old-address-new-addressaddress · AD01
- 2026-01-28📄accounts-with-accounts-type-micro-entityaccounts · AA
- 2025-01-23📄accounts-with-accounts-type-micro-entityaccounts · AA
- 2024-05-01📄change-person-director-company-with-change-dateofficers · CH01
- 2024-01-19📄accounts-with-accounts-type-micro-entityaccounts · AA
- 2023-06-22📄resolutionresolution · RESOLUTIONS
- 2023-06-22📄memorandum-articlesincorporation · MA
- 2023-01-27📄accounts-with-accounts-type-micro-entityaccounts · AA
- 2022-10-10📄mortgage-create-with-deed-with-charge-number-charge-creation-datemortgage · MR01
- 2022-10-05🔒Charge registered #3Lender: William Christoper Currie and Sir Terence Patrick Leahy
- 2022-01-10📄resolutionresolution · RESOLUTIONS
- 2022-01-07📄capital-allotment-sharescapital · SH01
- 2021-11-29📄accounts-with-accounts-type-micro-entityaccounts · AA
- 2020-12-17📄accounts-with-accounts-type-micro-entityaccounts · AA
- 2020-04-24📄change-person-director-company-with-change-dateofficers · CH01
- 2020-03-06📄resolutionresolution · RESOLUTIONS
- 2020-03-04📄capital-allotment-sharescapital · SH01
- 2020-01-15📄accounts-with-accounts-type-micro-entityaccounts · AA
- 2019-06-18📍change-registered-office-address-company-with-date-old-address-new-addressaddress · AD01
- 2018-06-29🔒Charge registered #2Lender: William Christopher Currie
- 2017-06-21🔓Charge satisfied #1
- 2016-11-17🔒Charge registered #1Lender: Bibby Factors International Limited
- 2011-04-19🏢Company incorporatedAs GILDA & PEARL LTD
- 2011-04-19➕HOUSTON, Diane Caroline appointeddirector
Owner dependency
The business appears inseparable from the founder. Acquisition without a serious earn-out or meaningful transition period would likely destroy value.
- +Sole director: Only one active director — all governance concentrated on one person.
- +Long-tenure founder: Senior director has been in place 15 years — deep operational knowledge concentrated in one person.
- +No director turnover: Company is 15 years old with no director changes — suggests a very tight-knit founder team never broadened.
Succession & seller-readiness
Multiple signals suggest succession is on the horizon. Candidate for proactive outreach.
- primarySole active director: Only one director in control. No visible successor — buyers solve the succession problem.
- secondary12+ year tenure: Director in role 15 years.
- secondaryStable-but-static management: Company is 15 years old and no new directors in the last 3 years — succession not yet being planned internally.
- supportingClean filings + long tenure: Disciplined long-tenure operator — classic lifestyle-business pattern that often sells quietly.
Red flags
cleanShareholders & ownership
2 active beneficial owners| Name | Shares | Voting rights | Nature of control | Notified |
|---|---|---|---|---|
Sir Terence Patrick Leahy Individual · British · DOB 02/1956 · age 70 | 25–50% | — | 25-50% shares · trust interest | 06/04/2016 |
Mr. William Christopher Currie Individual · British · DOB 02/1962 · age 64 | — | — | sig. influencesignificant influence | 06/04/2016 |
1 historic (ceased) PSC
- Miss Diane Caroline Houstonceased 26/05/2016· 25-50% shares
From Companies House Persons with Significant Control filings. Share ranges are banded per the public PSC regime.
Radial SVG graph showing every company connected via shared directors, colour-coded by status.
Available from the Pro tier upwards.
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7 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.
Mortgages & charges
| Type | Properties | |||||
|---|---|---|---|---|---|---|
| outstanding | William Christoper Currie and Sir Terence Patrick Leahy | A registered charge | — | 05/10/2022 | — | |
| outstanding | William Christopher Currie / Sir Terence Patrick Leahy | A registered charge | — | 29/06/2018 | — | |
| satisfied | Bibby Financial Services Bibby Factors International Limited | A registered charge | — | 17/11/2016 | 21/06/2017 |