WEST GEORGE ST. LTD

💤Zombieactive
SC629444 · ltd · incorporated 2019-05-03
Investment thesis
Zombie company — trading but stalled; unlikely mover.
Why interesting: Quiet, steady; could be a succession or carve-out candidate with the right conversation.
Why risky: No growth signal; thin margin for error on price.
🔒Estimated value
—
Upgrade to see
Turnover
—
not disclosed
Net worth
—
book net assets
Opportunity
66/100
Strong
🔔
Follow this company (free)
Email alerts on filings, charges, director changes, gazette notices. No account needed.

Unsubscribe any time from any email. GDPR-respectful.

🔒Generate AI memo →🔒Outreach pack →🔒Corporate story →📑 Reports →Sign in to watch
What this business does
Primary activity: Other letting and operating of own or leased real estate
Sector: Real estate
Investor take
Pursue
Property-backed borrower. Reasonable fundamentals — worth a memo before deciding.

Opportunity 66/100 (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. 8 distinct lenders creates friction — refinance into single-lender structure for cleaner diligence. Most likely exit: share sale to pe / searcher (58/100).

🏦

Refinance opportunity

15 live charges · 8 lenders · oldest 5.8y

15/100
under pressure

Refinance would be pressure-driven, not opportunity-driven. Expect tighter margins and covenant scrutiny.

  • · Oldest live charge is 5.8 years old — likely at or near maturity.
  • · 8 lenders named — inter-creditor friction likely.
  • · Distress signals active — lender appetite narrows.

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
0
Lenders & charges
15 charges (15/15 with lender, 15/15 with type)
90
Directors & officers
1 officers (1 active, 1 linked, 1 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
33 filings on record
85
Gazette notices
No matching gazette notices (standard for active companies)
60
Opportunity Score
66/100Strong
PassWatchWorth a lookStrongExceptional 

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

Business quality
55
Adequate — check latest filings for context.
Acquirability
50
Some acquirability indicators.
Risk profile
74
Few red flags.
Signal strength
100
Good data coverage for analysis.

Recent activity

Last 30 days
0
filings
Last 90 days
0
filings
Last 180 days
0
filings
Counts from Companies House filing history.
Corporate timeline (39 events)Click to expand
  1. 2025-09-09
    📄
    mortgage-create-with-deed-with-charge-number-charge-creation-date
    mortgage · MR01
  2. 2025-09-05
    📄
    mortgage-create-with-deed-with-charge-number-charge-creation-date
    mortgage · MR01
  3. 2025-09-01
    📄
    change-to-a-person-with-significant-control
    persons-with-significant-control · PSC04
  4. 2025-09-01
    📄
    change-person-director-company-with-change-date
    officers · CH01
  5. 2025-09-01
    📍
    change-registered-office-address-company-with-date-old-address-new-address
    address · AD01
  6. 2025-08-27
    🔒
    Charge registered #15
    Lender: Charter Court Financial Services Limited Trading as Precise Mortgages
  7. 2025-08-27
    🔒
    Charge registered #14
    Lender: Aldermore Bank PLC
  8. 2025-07-28
    📄
    accounts-with-accounts-type-micro-entity
    accounts · AA
  9. 2025-07-02
    📄
    mortgage-create-with-deed-with-charge-number-charge-creation-date
    mortgage · MR01
  10. 2025-06-24
    🔒
    Charge registered #13
    Lender: Paragon Bank PLC
  11. 2025-04-30
    📄
    mortgage-create-with-deed-with-charge-number-charge-creation-date
    mortgage · MR01
  12. 2025-04-24
    🔒
    Charge registered #12
    Lender: Paragon Bank PLC
  13. 2025-01-14
    📄
    mortgage-create-with-deed-with-charge-number-charge-creation-date
    mortgage · MR01
  14. 2025-01-13
    🔒
    Charge registered #11
    Lender: Charter Court Financial Services Limited Trading as Precise Mortgages
  15. 2024-08-02
    📄
    mortgage-create-with-deed-with-charge-number-charge-creation-date
    mortgage · MR01
  16. 2024-07-30
    🔒
    Charge registered #10
    Lender: Aldermore Bank PLC
  17. 2024-07-29
    📄
    accounts-with-accounts-type-micro-entity
    accounts · AA
  18. 2024-07-02
    📄
    mortgage-create-with-deed-with-charge-number-charge-creation-date
    mortgage · MR01
  19. 2024-06-28
    🔒
    Charge registered #9
    Lender: Lendinvest Btl Limited
  20. 2024-05-29
    📄
    mortgage-create-with-deed-with-charge-number-charge-creation-date
    mortgage · MR01
  21. 2024-05-27
    🔒
    Charge registered #8
    Lender: The Mortgage Lender Limited
  22. 2023-12-18
    📄
    mortgage-satisfy-charge-full
    mortgage · MR04
  23. 2023-12-18
    🔓
    Charge satisfied #2
  24. 2023-12-01
    📄
    mortgage-create-with-deed-with-charge-number-charge-creation-date
    mortgage · MR01
  25. 2023-11-24
    🔒
    Charge registered #7
    Lender: Charter Court Financial Services Limited T/a Precise Mortgages
  26. 2023-07-27
    📄
    accounts-with-accounts-type-micro-entity
    accounts · AA
  27. 2023-01-31
    📄
    mortgage-create-with-deed-with-charge-number-charge-creation-date
    mortgage · MR01
  28. 2023-01-27
    🔒
    Charge registered #6
    Lender: Shawbrook Bank Limited
  29. 2022-12-20
    📄
    mortgage-create-with-deed-with-charge-number-charge-creation-date
    mortgage · MR01
  30. 2022-12-19
    🔒
    Charge registered #5
    Lender: Paragon Bank PLC
  31. 2022-07-14
    📄
    mortgage-create-with-deed-with-charge-number-charge-creation-date
    mortgage · MR01
  32. 2022-07-06
    🔒
    Charge registered #4
    Lender: Charter Court Financial Services Limited (Trading as Precise Mortgages)
  33. 2022-07-01
    📄
    accounts-with-accounts-type-micro-entity
    accounts · AA
  34. 2022-01-19
    📍
    change-registered-office-address-company-with-date-old-address-new-address
    address · AD01
  35. 2021-06-17
    🔒
    Charge registered #3
    Lender: Lendinvest Btl Limited
  36. 2021-06-17
    🔒
    Charge registered #2
    Lender: Lendinvest Btl Limited
  37. 2020-07-23
    🔒
    Charge registered #1
    Lender: Paragon Bank PLC
  38. 2019-05-03
    🏢
    Company incorporated
    As WEST GEORGE ST. LTD
  39. 2019-05-03
    ➕
    MCGURNAGHAN, Harry appointed
    director

Owner dependency

80/100
Critical — business is the founder

The business appears inseparable from the founder. Acquisition without a serious earn-out or meaningful transition period would likely destroy value.

FACTORS
  • +Sole director: Only one active director — all governance concentrated on one person.
  • +No director turnover: Company is 7 years old with no director changes — suggests a very tight-knit founder team never broadened.

Succession & seller-readiness

45/100
Moderate signal

Some succession indicators present. Worth watching; approach if sector/strategy fits.

SIGNALS
  • primarySole active director: Only one director in control. No visible successor — buyers solve the succession problem.

Red flags

1 med · 1 low
3 new charges in last 12 months
medium

Heavy recent charge activity can indicate refinancing pressure, aggressive leverage, or multiple lender rotation.

Evidence: 2025-08-27: A registered charge; 2025-08-27: A registered charge; 2025-06-24: A registered charge

14 live charges
low

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

Shareholders & ownership

1 active beneficial owner · dominant holder ≥75%
NameSharesVoting rightsNature of controlNotified
Mr Harry Mcgurnaghan
Individual · British · DOB 12/1981 · age 45
75–100%
75–100%board control75-100% shares · 75-100% voting · board control03/05/2019

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 →

Similar companies

Active · Property · KA postcode area
CompanyEst. valueTurnoverNet worthStaffAgeOppDirector
FREEPORT SCOTLAND LIMITED→
SC087372 · est 1984
£2.26M
£1.92M–£2.60M
—£2.26M—42y8365y
ROBB DONALD & CO. LIMITED→
SC109886 · est 1988
£1.67M
£1.42M–£1.92M
—£1.67M—38y8376y
DOONBANK INVESTMENTS LIMITED→
SC089875 · est 1984
£1.61M
£1.37M–£1.85M
—£1.61M—41y8369y
DS PROPERTY MANAGEMENT LIMITED→
SC372145 · est 2010
£234.1k
£199.0k–£269.2k
—£234.1k—16y8361y
MCG PROPERTIES LIMITED→
SC297086 · est 2006
£111.8k
£95.0k–£128.6k
—£111.8k—20y8371y
BARRA SHELL LIMITED→
SC293764 · est 2005
———20020y8360y
BLUEHOUSE SCOTLAND LTD.→
SC214253 · est 2000
———025y8367y
CORUM (AYR) LIMITED→
SC287161 · est 2005
———160020y8370y
DMVE TRUSTEE LIMITED→
SC043088 · est 1966
———060y8360y
INVERGOWER ESTATES LIMITED→
SC211407 · est 2000 · no financials extracted
————25y8366y
MILGAR HOMES LIMITED→
SC252617 · est 2003
————22y8371y
THE WESTERN MEETING CLUB 2003 LIMITED→
SC241997 · est 2003
———023y8379y
Peers ranked by estimated value, then turnover, then opportunity score.See all →
🔒Tailored diligence questions

9 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
Incorporated2019-05-03
Jurisdictionscotland
Primary SIC68209 — Other letting and operating of own or leased real estate

Registered office

49 Raith Road
Fenwick
Kilmarnock
KA3 6DB
Scotland

Filing status

Accounts
Next due: 2026-07-30
Last made up to: 2024-10-30
Confirmation statement
Next due: 2026-05-16
Last: 2025-05-02

Officers (1 active · 0 resigned)

MCGURNAGHAN, Harry→
director · ~45y · appointed 2019-05-03
View their other companies + combined net worth →
Active

Click a director name to see their full track record across all companies.

Mortgages & charges

15
Total charges
14
Outstanding
6
Active lenders
Status:Lender:15 of 15 shown
TypeProperties
outstanding
Precise Mortgages
Charter Court Financial Services Limited Trading as Precise Mortgages
A registered charge1 property27/08/2025—
outstanding
Aldermore
Aldermore Bank PLC
A registered charge1 property27/08/2025—
outstanding
Paragon
Paragon Bank PLC
A registered charge1 property24/06/2025—
outstanding
Paragon
Paragon Bank PLC
A registered charge1 property24/04/2025—
outstanding
Precise Mortgages
Charter Court Financial Services Limited Trading as Precise Mortgages
A registered charge1 property13/01/2025—
outstanding
Aldermore
Aldermore Bank PLC
A registered charge2 properties30/07/2024—
outstanding
LendInvest
Lendinvest Btl Limited
A registered charge1 property28/06/2024—
outstanding
The Mortgage Lender
The Mortgage Lender Limited
A registered charge1 property27/05/2024—
outstanding
Precise Mortgages
Charter Court Financial Services Limited T/a Precise Mortgages
A registered charge1 property24/11/2023—
outstanding
Shawbrook
Shawbrook Bank Limited
A registered charge3 properties27/01/2023—
outstanding
Paragon
Paragon Bank PLC
A registered charge1 property19/12/2022—
outstanding
Precise Mortgages
Charter Court Financial Services Limited (Trading as Precise Mortgages)
A registered charge1 property06/07/2022—
outstanding
LendInvest
Lendinvest Btl Limited
A registered charge1 property17/06/2021—
satisfied
LendInvest
Lendinvest Btl Limited
A registered charge1 property17/06/202118/12/2023
outstanding
Paragon
Paragon Bank PLC
A registered charge1 property23/07/2020—
Click column headers to sort. Use filters above to narrow by status and lender.

Recent filings (33 total)

mortgage-create-with-deed-with-charge-number-charge-creation-date
mortgage · MR01
2025-09-09
mortgage-create-with-deed-with-charge-number-charge-creation-date
mortgage · MR01
2025-09-05
change-to-a-person-with-significant-control
persons-with-significant-control · PSC04
2025-09-01
change-person-director-company-with-change-date
officers · CH01
2025-09-01
change-registered-office-address-company-with-date-old-address-new-address
address · AD01
2025-09-01
accounts-with-accounts-type-micro-entity
accounts · AA
2025-07-28
mortgage-create-with-deed-with-charge-number-charge-creation-date
mortgage · MR01
2025-07-02
confirmation-statement-with-no-updates
confirmation-statement · CS01
2025-05-18
mortgage-create-with-deed-with-charge-number-charge-creation-date
mortgage · MR01
2025-04-30
mortgage-create-with-deed-with-charge-number-charge-creation-date
mortgage · MR01
2025-01-14
mortgage-create-with-deed-with-charge-number-charge-creation-date
mortgage · MR01
2024-08-02
accounts-with-accounts-type-micro-entity
accounts · AA
2024-07-29
mortgage-create-with-deed-with-charge-number-charge-creation-date
mortgage · MR01
2024-07-02
mortgage-create-with-deed-with-charge-number-charge-creation-date
mortgage · MR01
2024-05-29
confirmation-statement-with-no-updates
confirmation-statement · CS01
2024-05-02