THE MONZIE HOTEL LTD
🌳Matureactive
SC468695 · ltd · incorporated 2014-01-30
Investment thesis
Well-run mature business — low negotiation leverage; premium likely.
Why interesting: Textbook target; clean filings, stable trading.
Why risky: No pressure on seller; any deal likely at full price.
Opportunity decay
hardening · 12-months
Already tight — no obvious softening catalysts on the horizon.
- · Thesis: well-run, low negotiation leverage
🔒Estimated value
—
Upgrade to see
Turnover
—
year to Jan 2025
Net worth
£1.47M
book net assets
Opportunity
73/100
Strong
What this business does
Primary activity: Hotels and similar accommodation
Sector: Accommodation & food service
Investor take
PursueStrong opportunity: active trading company with strong profile and acceptable with review structure.
Opportunity 73/100 (strong), bankability 57/100. 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. 6 distinct lenders creates friction — refinance into single-lender structure for cleaner diligence. Most likely exit: share sale to pe / searcher (58/100).
🏦
Refinance opportunity
11 live charges · 6 lenders · oldest 8.5y
35/100
too messy
Refinance path is blocked by complexity. Rethink structure or expect bespoke, expensive terms.
- · Oldest live charge is 8.5 years old — likely at or near maturity.
- · 6 lenders named — inter-creditor friction likely.
- · Legal-friction score 40/100 — workable, but lender will want more DD.
Data confidence
Overall: high (80/100)Strong data coverage across all sections. AI outputs should be trusted with minimal caveats.
Company profile
address, 1 SIC codes, incorporation date
100
Financials
2 years of iXBRL accounts extracted (YoY deltas available) + narrative notes parsed
75
Lenders & charges
11 charges (11/11 with lender, 11/11 with type)
90
Directors & officers
2 officers (2 active, 2 linked, 2 with DOB)
90
Ownership & PSC
1 active PSC(s) of 1 total, 1 with control declared
90
Director network
2 connected companies via shared directors
51
Filing history
47 filings on record
85
Gazette notices
No matching gazette notices (standard for active companies)
60
Opportunity Score
73/100Strong
PassWatchWorth a lookStrongExceptional
Solid opportunity signal. Worth a dedicated memo and management meeting.
Business quality
70
Active, clean filings, stable charge profile.
Acquirability
55
Some acquirability indicators.
Risk profile
77
Few red flags.
Signal strength
100
Good data coverage for analysis.
Signals from accounts
Derived from iXBRL accounts · accounting standard not declaredPositive net assets
Net assets £1,472,395
Net assets shrinking
Down £54,920 YoY
Key financials
2 years extracted from filed iXBRL accountsCash
—
Net Worth
£1.5m
↓ 3.6% YoY
Current Assets
£222k
↑ 4.7% YoY
Current Liabilities
—
Hover to see exact values · click legend to toggle series
Financials
Extracted from Companies House accounts · accounting standard unknown| Metric | 2025-01-31 | 2024-01-31 |
|---|---|---|
| Total assets | £1.62M | £1.60M |
| Current assets | £222.1k | £212.1k |
| Net assets | £1.47M | £1.53M |
Amounts extracted automatically from iXBRL. Fields left blank were not reported or not mapped. Values in GBP unless stated.
Recent activity
Last 30 days
0
filings
Last 90 days
2
filings
- • 2 mortgage
Last 180 days
2
filings
- • 2 mortgage
Counts from Companies House filing history.
Corporate timeline (40 events)Click to expand
- 2026-02-27📄mortgage-create-with-deed-with-charge-number-charge-creation-datemortgage · MR01
- 2026-02-26📄mortgage-create-with-deed-with-charge-number-charge-creation-datemortgage · MR01
- 2026-02-23🔒Charge registered #10Lender: Belvedere Security Limited (As Security Trustee) (Crn: 09175130)
- 2026-02-09🔒Charge registered #11Lender: Belvedere Security Limited (Crn: 09175130) as Security Trustee
- 2025-08-14📄accounts-with-accounts-type-micro-entityaccounts · AA
- 2025-08-06📄mortgage-satisfy-charge-fullmortgage · MR04
- 2025-08-06🔓Charge satisfied #7
- 2024-10-30📄accounts-with-accounts-type-micro-entityaccounts · AA
- 2024-01-31📄accounts-with-accounts-type-micro-entityaccounts · AA
- 2023-04-25📄mortgage-satisfy-charge-fullmortgage · MR04
- 2023-04-25📄mortgage-satisfy-charge-fullmortgage · MR04
- 2023-04-25📄mortgage-satisfy-charge-fullmortgage · MR04
- 2023-04-25🔓Charge satisfied #5
- 2023-04-25🔓Charge satisfied #4
- 2023-04-25🔓Charge satisfied #3
- 2023-02-08📄mortgage-satisfy-charge-fullmortgage · MR04
- 2023-02-08🔓Charge satisfied #6
- 2023-02-07📄mortgage-create-with-deed-with-charge-number-charge-creation-datemortgage · MR01
- 2023-02-06🔒Charge registered #9Lender: The Royal Bank of Scotland PLC
- 2022-12-08📄mortgage-create-with-deed-with-charge-number-charge-creation-datemortgage · MR01
- 2022-11-23🔒Charge registered #8Lender: The Royal Bank of Scotland PLC
- 2022-10-18📄mortgage-satisfy-charge-fullmortgage · MR04
- 2022-10-18📄mortgage-satisfy-charge-fullmortgage · MR04
- 2022-10-18🔓Charge satisfied #2
- 2022-10-18🔓Charge satisfied #1
- 2022-08-24📄accounts-with-accounts-type-micro-entityaccounts · AA
- 2022-07-20📄change-person-director-company-with-change-dateofficers · CH01
- 2022-07-20📄change-person-director-company-with-change-dateofficers · CH01
- 2021-10-01📄accounts-with-accounts-type-micro-entityaccounts · AA
- 2021-01-31📄accounts-with-accounts-type-micro-entityaccounts · AA
- 2019-11-28🔒Charge registered #7Lender: Residential Loans LTD
- 2018-11-14🔒Charge registered #5Lender: Together Commercial Finance Limited
- 2018-11-14🔒Charge registered #4Lender: Together Commercial Finance Limited
- 2018-11-14🔒Charge registered #3Lender: Together Commercial Finance Limited
- 2018-11-09🔒Charge registered #6Lender: Together Commercial Finance Limited
- 2017-11-21🔒Charge registered #2Lender: Residential Loans Limited
- 2017-11-07🔒Charge registered #1Lender: Residential Loans Limited
- 2014-01-30🏢Company incorporatedAs THE MONZIE HOTEL LTD
- 2014-01-30➕BURKE, John appointeddirector
- 2014-01-30➕WHYTE, Susan appointeddirector
Owner dependency
63/100
High — earn-out structure requiredMaterial 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.
- +No director turnover: Company is 12 years old with no director changes — suggests a very tight-knit founder team never broadened.
Succession & seller-readiness
49/100
Moderate signalSome succession indicators present. Worth watching; approach if sector/strategy fits.
SIGNALS
- secondaryTwo-director governance: Small-team governance. Succession depth is thin but not absent.
- secondary12+ year tenure: Director in role 12 years.
- supportingClean filings + long tenure: Disciplined long-tenure operator — classic lifestyle-business pattern that often sells quietly.
Red flags
1 med ·Charge satisfaction-then-recreation pattern
mediumMultiple instances where a charge was satisfied and a new charge created within 6 months. Suggests active refinancing cycle.
Shareholders & ownership
1 active beneficial owner| Name | Shares | Voting rights | Nature of control | Notified |
|---|---|---|---|---|
Mr John Burke Individual · Irish · DOB 05/1970 · age 56 | 25–50% | — | 25-50% shares | 30/01/2017 |
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 →Similar companies
Active · Hospitality · PH postcode area| Company | Est. value | Turnover | Net worth | Staff | Age | Opp | Director |
|---|---|---|---|---|---|---|---|
| THE CHESTNUT TREE COFFEE SHOP LTD→ SC653522 · est 2020 · no financials extracted | — | — | — | — | 6y | — | — |
| THE GARTH & HIGHLAND HOTEL 2025 LTD→ SC843880 · est 2025 · no financials extracted | — | — | — | — | 1y | — | — |
| THE GREYFRIARS BAR LIMITED→ SC508881 · est 2015 · no financials extracted | — | — | — | — | 10y | — | — |
| THE KIRKSIDE BAR LIMITED→ SC485238 · est 2014 · no financials extracted | — | — | — | — | 11y | — | — |
| THE MANSE KLL LTD→ SC822224 · est 2024 · no financials extracted | — | — | — | — | 1y | — | — |
| THE NEWTONMORE GRILL COMPANY LIMITED→ SC326332 · est 2007 · no financials extracted | — | — | — | — | 18y | — | — |
| THE OLD CROSS INN BAR & RESTAURANT LTD→ SC836832 · est 2025 · no financials extracted | — | — | — | — | 1y | — | — |
| THE OLD CROSS INN HOTEL LTD→ SC836892 · est 2025 · no financials extracted | — | — | — | — | 1y | — | — |
| THE PAPER SHOP DESSERTS & CO. LTD→ SC840408 · est 2025 · no financials extracted | — | — | — | — | 1y | — | — |
| THE PICKLED PEACOCK LIMITED→ SC680707 · est 2020 · no financials extracted | — | — | — | — | 5y | — | — |
| THE PLAICE IN SQUARE LTD→ SC786749 · est 2023 · no financials extracted | — | — | — | — | 2y | — | — |
| THE PLAICE TO BE LTD.→ SC485756 · est 2014 · no financials extracted | — | — | — | — | 11y | — | — |
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
Incorporated2014-01-30
Jurisdictionscotland
Primary SIC55100 — Hotels and similar accommodation
Registered office
6 Atholl Crescent
Perth
Tayside
PH1 5JN
Filing status
Accounts
Next due: 2026-10-31
Last made up to: 2025-01-31
Confirmation statement
Next due: 2026-06-22
Last: 2025-06-08
Officers (2 active · 0 resigned)
Active
WHYTE, Susan→
Activedirector · ~56y · appointed 2014-01-30
View their other companies + combined net worth →
Click a director name to see their full track record across all companies.
Mortgages & charges
11
Total charges
4
Outstanding
3
Active lenders
Status:Lender:11 of 11 shown
| Type | Properties | |||||
|---|---|---|---|---|---|---|
| outstanding | Belvedere Security (As Security Trustee) (Crn: 09175130) Belvedere Security Limited (As Security Trustee) (Crn: 09175130) | A registered charge | 3 properties | 23/02/2026 | — | |
| outstanding | Belvedere Security (Crn: 09175130) as Security Trustee Belvedere Security Limited (Crn: 09175130) as Security Trustee | A registered charge | 1 property | 09/02/2026 | — | |
| outstanding | Lloyds Banking Group The Royal Bank of Scotland PLC | A registered charge | 4 properties | 06/02/2023 | — | |
| outstanding | Lloyds Banking Group The Royal Bank of Scotland PLC | A registered charge | — | 23/11/2022 | — | |
| satisfied | Residential Loans Residential Loans LTD | A registered charge | 1 property | 28/11/2019 | 06/08/2025 | |
| satisfied | Together Money Together Commercial Finance Limited | A registered charge | 1 property | 14/11/2018 | 25/04/2023 | |
| satisfied | Together Money Together Commercial Finance Limited | A registered charge | 1 property | 14/11/2018 | 25/04/2023 | |
| satisfied | Together Money Together Commercial Finance Limited | A registered charge | 1 property | 14/11/2018 | 25/04/2023 | |
| satisfied | Together Money Together Commercial Finance Limited | A registered charge | — | 09/11/2018 | 08/02/2023 | |
| satisfied | Residential Loans Residential Loans Limited | A registered charge | — | 21/11/2017 | 18/10/2022 | |
| satisfied | Residential Loans Residential Loans Limited | A registered charge | 1 property | 07/11/2017 | 18/10/2022 |
Click column headers to sort. Use filters above to narrow by status and lender.
Recent filings (47 total)
mortgage-create-with-deed-with-charge-number-charge-creation-date
mortgage · MR01
2026-02-27
mortgage-create-with-deed-with-charge-number-charge-creation-date
mortgage · MR01
2026-02-26
accounts-with-accounts-type-micro-entity
accounts · AA
2025-08-14
mortgage-satisfy-charge-full
mortgage · MR04
2025-08-06
confirmation-statement-with-no-updates
confirmation-statement · CS01
2025-06-16
accounts-with-accounts-type-micro-entity
accounts · AA
2024-10-30
confirmation-statement-with-no-updates
confirmation-statement · CS01
2024-06-14
accounts-with-accounts-type-micro-entity
accounts · AA
2024-01-31
confirmation-statement-with-no-updates
confirmation-statement · CS01
2023-06-09
mortgage-satisfy-charge-full
mortgage · MR04
2023-04-25
mortgage-satisfy-charge-full
mortgage · MR04
2023-04-25
mortgage-satisfy-charge-full
mortgage · MR04
2023-04-25
mortgage-satisfy-charge-full
mortgage · MR04
2023-02-08
mortgage-create-with-deed-with-charge-number-charge-creation-date
mortgage · MR01
2023-02-07
mortgage-create-with-deed-with-charge-number-charge-creation-date
mortgage · MR01
2022-12-08