GILARDI HOLDINGS LTD
🌳Matureactive
SC521646 · ltd · incorporated 2015-12-02
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.
Opportunity decay
approaching window · 12-months
Approaching a transaction window — refinance or sale event plausible in the next 12 months.
- · Oldest live charge 4.9y old — refinance window within 12 months
🔒Estimated value
—
Upgrade to see
Turnover
—
year to Dec 2024
Net worth
£-17.5k
book net assets
Opportunity
75/100
Strong
What this business does
Primary activity: Renting and operating of Housing Association real estate
Sector: Real estate
Investor take
Pass (distressed without resilience)Property-backed borrower. Family succession underway — not a classic acquisition target.
Opportunity 75/100 (strong), bankability 70/100. Same-surname younger director in place — likely family handover, not open to sale. Share purchase looks the cleaner deal structure. Most likely exit: share sale to pe / searcher (65/100).
🏦
Refinance opportunity
5 live charges · oldest 4.9y
75/100
ready
Refinance conversation should be productive — structure clean and timing right.
- · Charge age ~4.9 years — mid-life; refi window approaching.
- · Single lender — cleanest path to refinance.
- · Legal-friction score 15/100 — clean.
Data confidence
Overall: high (81/100)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
5 charges (5/5 with lender, 5/5 with type)
90
Directors & officers
4 officers (3 active, 4 linked, 4 with DOB)
90
Ownership & PSC
3 active PSC(s) of 4 total, 4 with control declared
90
Director network
3 connected companies via shared directors
54
Filing history
35 filings on record
85
Gazette notices
No matching gazette notices (standard for active companies)
60
Opportunity Score
75/100Strong
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
82
Few red flags.
Signal strength
100
Good data coverage for analysis.
Signals from accounts
Derived from iXBRL accounts · accounting standard not declaredNegative net assets
Liabilities exceed assets by £17,517
Net assets shrinking
Down £124,088 YoY
Cash YoY
+160%
Year on year
Key financials
2 years extracted from filed iXBRL accountsCash
£21k
↑ 160% YoY
Net Worth
-£18k
↓ 116% YoY
Current Assets
£21k
↑ 145% YoY
Current Liabilities
—
Hover to see exact values · click legend to toggle series
Financials
Extracted from Companies House accounts · accounting standard unknown| Metric | 2024-12-31 | 2023-12-31 |
|---|---|---|
| Total assets | £-17.5k | £108.1k |
| Current assets | £21.4k | £8.7k |
| Cash | £21.2k | £8.2k |
| Debtors | £155 | £537 |
| Net assets | £-17.5k | £106.6k |
Amounts extracted automatically from iXBRL. Fields left blank were not reported or not mapped. Values in GBP unless stated.
🔒Filing-note intelligence
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
Last 30 days
0
filings
Last 90 days
0
filings
Last 180 days
2
filings
- • 1 confirmation-statement
- • 1 accounts
Counts from Companies House filing history.
Corporate timeline (31 events)Click to expand
- 2025-11-14📄accounts-with-accounts-type-total-exemption-fullaccounts · AA
- 2025-03-12📄notification-of-a-person-with-significant-controlpersons-with-significant-control · PSC01
- 2025-03-12📄notification-of-a-person-with-significant-controlpersons-with-significant-control · PSC01
- 2025-03-11📄appoint-person-director-company-with-name-dateofficers · AP01
- 2025-03-11📄appoint-person-director-company-with-name-dateofficers · AP01
- 2025-03-01➕GILARDI, Arlene appointeddirector
- 2025-03-01➕GILARDI, Maria appointeddirector
- 2024-09-24📄accounts-with-accounts-type-total-exemption-fullaccounts · AA
- 2024-09-24📄notification-of-a-person-with-significant-controlpersons-with-significant-control · PSC01
- 2024-09-24📄cessation-of-a-person-with-significant-controlpersons-with-significant-control · PSC07
- 2024-09-24📄termination-director-company-with-name-termination-dateofficers · TM01
- 2024-05-23➖GILARDI, Giovanni Benedetto resigneddirector
- 2023-12-29📄accounts-with-accounts-type-total-exemption-fullaccounts · AA
- 2022-12-31📄accounts-with-accounts-type-total-exemption-fullaccounts · AA
- 2022-05-17📄mortgage-create-with-deed-with-charge-number-charge-creation-datemortgage · MR01
- 2022-05-16🔒Charge registered #5Lender: Atom Bank PLC
- 2021-12-31📄accounts-with-accounts-type-total-exemption-fullaccounts · AA
- 2021-06-29📄mortgage-create-with-deed-with-charge-number-charge-creation-datemortgage · MR01
- 2021-06-29📄mortgage-create-with-deed-with-charge-number-charge-creation-datemortgage · MR01
- 2021-06-29📄mortgage-create-with-deed-with-charge-number-charge-creation-datemortgage · MR01
- 2021-06-28🔒Charge registered #4Lender: Atom Bank PLC
- 2021-06-28🔒Charge registered #3Lender: Atom Bank PLC
- 2021-06-28🔒Charge registered #2Lender: Atom Bank PLC
- 2021-06-25📄mortgage-create-with-deed-with-charge-number-charge-creation-datemortgage · MR01
- 2021-06-07🔒Charge registered #1Lender: Atom Bank PLC
- 2021-04-29📄change-person-director-company-with-change-dateofficers · CH01
- 2021-04-29📄change-person-director-company-with-change-dateofficers · CH01
- 2020-12-23📄accounts-with-accounts-type-total-exemption-fullaccounts · AA
- 2015-12-02🏢Company incorporatedAs GILARDI HOLDINGS LTD
- 2015-12-02➕GILARDI, Umberto appointeddirector
- 2015-12-02➕GILARDI, Giovanni Benedetto appointeddirector
Owner dependency
81/100
Critical — business is the founderThe business appears inseparable from the founder. Acquisition without a serious earn-out or meaningful transition period would likely destroy value.
FACTORS
- +Founder name in company name: Company name contains director surname "GILARDI" — strong identity link between founder and business.
- +Senior director age: Director aged approximately 58 — approaching natural succession window.
- +Family involvement: Multiple officers share a surname — likely family business, which concentrates governance.
Red flags
1 low5 live charges
lowHeavily leveraged with multiple live security positions — understand the capital structure before proceeding.
Shareholders & ownership
3 active beneficial owners| Name | Shares | Voting rights | Nature of control | Notified |
|---|---|---|---|---|
Mrs Arlene Gilardi Individual · British · DOB 10/1974 · age 52 | 25–50% | 25–50% | 25-50% shares · 25-50% voting | 01/03/2025 |
Mrs Maria Gilardi Individual · British · DOB 06/1968 · age 58 | 25–50% | 25–50% | 25-50% shares · 25-50% voting | 01/03/2025 |
Mr Umberto Gilardi Individual · British · DOB 08/1970 · age 56 | 25–50% | 25–50% | 25-50% shares · 25-50% voting | 23/05/2024 |
1 historic (ceased) PSC
- Mr Giovanni Benedetto Sabatino Gilardiceased 23/05/2024· 25-50% shares
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 · Property · KA postcode area| Company | Est. value | Turnover | Net worth | Staff | Age | Opp | Director |
|---|---|---|---|---|---|---|---|
| FORT PROPERTY LTD→ SC552065 · est 2016 · no financials extracted | — | — | — | — | 9y | — | — |
| FPA HOUSING LTD→ SC766607 · est 2023 · no financials extracted | — | — | — | — | 2y | — | — |
| GAZNAN ENTERPRISES LIMITED→ SC646046 · est 2019 · no financials extracted | — | — | — | — | 6y | — | — |
| GLOW HOMES AYRSHIRE ESTATE AGENTS LTD→ SC671515 · est 2020 · no financials extracted | — | — | — | — | 5y | — | — |
| GRAY FAMILY INVESTMENTS LIMITED→ SC572711 · est 2017 · no financials extracted | — | — | — | — | 8y | — | — |
| GREENHEART HOMES LTD→ SC759675 · est 2023 · no financials extracted | — | — | — | — | 3y | — | — |
| GREENLEAF PROP CO LIMITED→ SC611005 · est 2018 · no financials extracted | — | — | — | — | 7y | — | — |
| GRO COFFEE BARS LIMITED→ SC845594 · est 2025 · no financials extracted | — | — | — | — | 1y | — | — |
| H&K HOTELS GROUP LIMITED→ SC737312 · est 2022 · no financials extracted | — | — | — | — | 3y | — | — |
| HALF FULL DEVELOPMENTS LTD.→ SC270066 · est 2004 · no financials extracted | — | — | — | — | 21y | — | — |
| HARTFIELD HOUSE (AYR) LTD→ SC425333 · est 2012 · no financials extracted | — | — | — | — | 13y | — | — |
| HB HOMES (SCOTLAND) LTD→ SC846968 · est 2025 · no financials extracted | — | — | — | — | — | — | — |
Peers ranked by estimated value, then turnover, then opportunity score.See all →
🔒Tailored diligence questions
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 →🔒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
Incorporated2015-12-02
Jurisdictionscotland
Primary SIC68201 — Renting and operating of Housing Association real estate
Registered office
6 Miller Road
Ayr
KA7 2AY
Scotland
Filing status
Accounts
Next due: 2026-09-30
Last made up to: 2024-12-31
Confirmation statement
Next due: 2026-12-15
Last: 2025-12-01
Officers (3 active · 1 resigned)
GILARDI, Arlene→
Activedirector · ~52y · appointed 2025-03-01
View their other companies + combined net worth →
GILARDI, Maria→
Activedirector · ~58y · appointed 2025-03-01
View their other companies + combined net worth →
GILARDI, Umberto→
Activedirector · ~56y · appointed 2015-12-02
View their other companies + combined net worth →
GILARDI, Giovanni Benedetto→
Resigneddirector · ~52y · appointed 2015-12-02 · resigned 2024-05-23
Click a director name to see their full track record across all companies.
Mortgages & charges
5
Total charges
5
Outstanding
1
Active lenders
Status:Lender:5 of 5 shown
| Type | Properties | |||||
|---|---|---|---|---|---|---|
| outstanding | Atom Bank Atom Bank PLC | A registered charge | — | 16/05/2022 | — | |
| outstanding | Atom Bank Atom Bank PLC | A registered charge | 1 property | 28/06/2021 | — | |
| outstanding | Atom Bank Atom Bank PLC | A registered charge | 1 property | 28/06/2021 | — | |
| outstanding | Atom Bank Atom Bank PLC | A registered charge | 1 property | 28/06/2021 | — | |
| outstanding | Atom Bank Atom Bank PLC | A registered charge | — | 07/06/2021 | — |
Click column headers to sort. Use filters above to narrow by status and lender.
Recent filings (35 total)
confirmation-statement-with-no-updates
confirmation-statement · CS01
2026-01-14
accounts-with-accounts-type-total-exemption-full
accounts · AA
2025-11-14
notification-of-a-person-with-significant-control
persons-with-significant-control · PSC01
2025-03-12
notification-of-a-person-with-significant-control
persons-with-significant-control · PSC01
2025-03-12
appoint-person-director-company-with-name-date
officers · AP01
2025-03-11
appoint-person-director-company-with-name-date
officers · AP01
2025-03-11
confirmation-statement-with-updates
confirmation-statement · CS01
2024-12-19
accounts-with-accounts-type-total-exemption-full
accounts · AA
2024-09-24
notification-of-a-person-with-significant-control
persons-with-significant-control · PSC01
2024-09-24
cessation-of-a-person-with-significant-control
persons-with-significant-control · PSC07
2024-09-24
termination-director-company-with-name-termination-date
officers · TM01
2024-09-24
accounts-with-accounts-type-total-exemption-full
accounts · AA
2023-12-29
confirmation-statement-with-no-updates
confirmation-statement · CS01
2023-12-13
accounts-with-accounts-type-total-exemption-full
accounts · AA
2022-12-31
confirmation-statement-with-no-updates
confirmation-statement · CS01
2022-12-01