CARSE OF GOWRIE HOMES LIMITED
Opportunity 78/100 (strong), bankability 80/100. Strong seller-intent signal (60/100, director aged 68). Share purchase looks the cleaner deal structure. Biggest value-creation lever: Broaden director team. Sole director creates succession risk and reduces buyer comfort. Appoint a second director or strong #2. Most likely exit: share sale to pe / searcher (73/100).
Refinance opportunity
1 live charge · oldest 7.6y
Refinance would be pressure-driven, not opportunity-driven. Expect tighter margins and covenant scrutiny.
- · Oldest live charge is 7.6 years old — likely at or near maturity.
- · Single lender — cleanest path to refinance.
- · Distress signals active — lender appetite narrows.
Data confidence
Overall: medium (78/100)Adequate coverage. AI outputs are reliable for the sections scored high; verify the rest in diligence.
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 | 2025-02-28 | 2024-02-28 |
|---|
Amounts extracted automatically from iXBRL. Fields left blank were not reported or not mapped. Values in GBP unless stated.
Recent activity
- • 1 confirmation-statement
- • 1 confirmation-statement
Corporate timeline (13 events)Click to expand
- 2025-03-31📄accounts-with-accounts-type-dormantaccounts · AA
- 2024-03-25📄accounts-with-accounts-type-dormantaccounts · AA
- 2023-03-27📄accounts-with-accounts-type-dormantaccounts · AA
- 2022-04-05📄accounts-with-accounts-type-dormantaccounts · AA
- 2021-12-07📄accounts-with-accounts-type-dormantaccounts · AA
- 2021-01-04📄accounts-with-accounts-type-dormantaccounts · AA
- 2019-10-02📄accounts-with-accounts-type-dormantaccounts · AA
- 2018-11-13📄accounts-with-accounts-type-dormantaccounts · AA
- 2018-09-15📄mortgage-create-with-deed-with-charge-number-charge-creation-datemortgage · MR01
- 2018-09-07🔒Charge registered #1Lender: Lorna Redford
- 2017-02-22🏢Company incorporatedAs CARSE OF GOWRIE HOMES LIMITED
- 2017-02-22➕MORGAN, Robert Douglas appointeddirector
- 2017-02-22📄incorporation-companyincorporation · NEWINC
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.
- +Founder age: Director aged approximately 68 — succession pressure is live.
- +No director turnover: Company is 9 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.
- primaryFounder aged 63+: Senior director is approximately 68. Approaching typical UK retirement age — succession thinking likely.
- primarySole active director: Only one director in control. No visible successor — buyers solve the succession problem.
Red flags
cleanShareholders & ownership
1 active beneficial owner · dominant holder ≥75%| Name | Shares | Voting rights | Nature of control | Notified |
|---|---|---|---|---|
Mr Robert Douglas Morgan Individual · Scottish · DOB 03/1958 · age 68 | 75–100% | 75–100% | board control75-100% shares · 75-100% voting · board control | 22/02/2017 |
From Companies House Persons with Significant Control filings. Share ranges are banded per the public PSC regime.
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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 →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 | Lorna Redford | A registered charge | 1 property | 07/09/2018 | — |