G&T FULLER PROPERTIES LTD

🏛️Establishedactive
SC646142 · ltd · incorporated 2019-11-04
Investment thesis
Property vehicle with a workable charge structure — clean refinance potential.
Why interesting: Asset-backed; value largely in underlying property; lender engagement likely possible.
Why risky: Dependent on title and valuation due diligence; standard property risks.
🔒Estimated value
Upgrade to see
Turnover
year to Nov 2024
Net worth
£2.9k
book net assets
Opportunity
73/100
Strong
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What this business does
Primary activity: Other letting and operating of own or leased real estate
Sector: Real estate
Investor take
Pursue
Strong opportunity: property-backed borrower with strong profile and bankable structure.

Opportunity 73/100 (strong), bankability 80/100. High owner-dependency — earn-out structure likely required for clean transition. Share purchase looks the cleaner deal structure. Most likely exit: share sale to pe / searcher (58/100).

🏦

Refinance opportunity

1 live charge · oldest 2.4y

50/100
clean up first

Refinance viable after a tidy-up — address the highlighted items first.

  • · Newest facility, 2.4 years old — likely still in initial term.
  • · Single lender — cleanest path to refinance.
  • · Legal-friction score 15/100 — clean.

Data confidence

Overall: medium (78/100)

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
2 years of iXBRL accounts extracted (YoY deltas available) + narrative notes parsed
75
Lenders & charges
1 charges (1/1 with lender, 1/1 with type)
90
Directors & officers
2 officers (2 active, 2 linked, 2 with DOB)
90
Ownership & PSC
2 active PSC(s) of 2 total, 2 with control declared
90
Director network
Network not yet resolved
30
Filing history
14 filings on record
85
Gazette notices
No matching gazette notices (standard for active companies)
60
🔒Estimated company valuation

Sector-multiple EBITDA, turnover, and NAV-proxy valuation range with confidence tier — derived from extracted iXBRL financials.

Available from the Pro tier upwards.

See pricing →
Opportunity Score
73/100Strong
PassWatchWorth a lookStrongExceptional 

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

Business quality
65
Adequate — check latest filings for context.
Acquirability
50
Some acquirability indicators.
Risk profile
85
Few red flags.
Signal strength
100
Good data coverage for analysis.

Signals from accounts

Derived from iXBRL accounts · FRS 105 (micro)
Positive net assets
Net assets £2,943
Net assets shrinking
Down £1,067 YoY

Key financials

2 years extracted from filed iXBRL accounts
Cash
Net Worth
£3k
↓ 27% YoY
Current Assets
£5k
~ YoY
Current Liabilities
£0£1k£2k£3k£4k£5kNov 2023Nov 2024

Hover to see exact values · click legend to toggle series

Financials

Extracted from Companies House accounts · FRS 105 (micro)
Metric2024-11-302023-11-30
Total assets£53.2k£51.8k
Current assets£5.0k£5.1k
Net assets£2.9k£4.0k

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
1
filing
  • 1 confirmation-statement
Counts from Companies House filing history.
Corporate timeline (12 events)Click to expand
  1. 2025-07-08
    📄
    accounts-with-accounts-type-micro-entity
    accounts · AA
  2. 2024-08-09
    📄
    accounts-with-accounts-type-micro-entity
    accounts · AA
  3. 2023-12-21
    📄
    mortgage-create-with-deed-with-charge-number-charge-creation-date
    mortgage · MR01
  4. 2023-12-18
    🔒
    Charge registered #1
    Lender: Mortgage Works (UK) PLC
  5. 2023-08-25
    📄
    accounts-with-accounts-type-micro-entity
    accounts · AA
  6. 2022-06-27
    📄
    accounts-with-accounts-type-micro-entity
    accounts · AA
  7. 2021-06-09
    📄
    accounts-with-accounts-type-micro-entity
    accounts · AA
  8. 2019-11-06
    📄
    change-person-director-company-with-change-date
    officers · CH01
  9. 2019-11-04
    🏢
    Company incorporated
    As G&T FULLER PROPERTIES LTD
  10. 2019-11-04
    FULLER, Gemma appointed
    director
  11. 2019-11-04
    FULLER, Timothy Ralph appointed
    director
  12. 2019-11-04
    📄
    incorporation-company
    incorporation · NEWINC

Owner dependency

86/100
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
  • +Two-director setup: Only two active directors — typical of owner-managed SMEs but limits succession.
  • +Founder name in company name: Company name contains director surname "FULLER" — strong identity link between founder and business.
  • +Family involvement: Multiple officers share a surname — likely family business, which concentrates governance.
  • +No director turnover: Company is 6 years old with no director changes — suggests a very tight-knit founder team never broadened.

Succession & seller-readiness

36/100
Weak signal

Limited succession signal. Not a near-term off-market candidate.

SIGNALS
  • secondaryTwo-director governance: Small-team governance. Succession depth is thin but not absent.

Red flags

clean
No red flags detected from available public data. (This is not a clean bill of health — detailed accounts review still recommended.)

Shareholders & ownership

2 active beneficial owners
NameSharesVoting rightsNature of controlNotified
Mrs Gemma Fuller
Individual · British · DOB 08/1987 · age 39
2550%
25–50%25-50% shares · 25-50% voting04/11/2019
Mr Timothy Ralph Fuller
Individual · Irish · DOB 02/1987 · age 39
2550%
25–50%25-50% shares · 25-50% voting04/11/2019

From Companies House Persons with Significant Control filings. Share ranges are banded per the public PSC regime.

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Peers ranked by estimated value, then turnover, then opportunity score.See all →
🔒Tailored diligence questions

6 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
Incorporated2019-11-04
Jurisdictionscotland
Primary SIC68209 — Other letting and operating of own or leased real estate

Registered office

Cultercullen Schoolhouse
Udny
Ellon
Aberdeenshire
AB41 6QQ
Scotland

Filing status

Accounts
Next due: 2026-08-31
Last made up to: 2024-11-30
Confirmation statement
Next due: 2026-11-17
Last: 2025-11-03

Officers (2 active · 0 resigned)

FULLER, Gemma
director · ~39y · appointed 2019-11-04
View their other companies + combined net worth →
Active
FULLER, Timothy Ralph
director · ~39y · appointed 2019-11-04
View their other companies + combined net worth →
Active

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

Mortgages & charges

1
Total charges
1
Outstanding
1
Active lenders
Status:Lender:1 of 1 shown
TypeProperties
outstanding
Mortgage Works (UK)
Mortgage Works (UK) PLC
A registered charge1 property18/12/2023
Click column headers to sort. Use filters above to narrow by status and lender.

Recent filings (14 total)

confirmation-statement-with-updates
confirmation-statement · CS01
2025-11-06
accounts-with-accounts-type-micro-entity
accounts · AA
2025-07-08
confirmation-statement-with-updates
confirmation-statement · CS01
2024-11-06
accounts-with-accounts-type-micro-entity
accounts · AA
2024-08-09
mortgage-create-with-deed-with-charge-number-charge-creation-date
mortgage · MR01
2023-12-21
confirmation-statement-with-updates
confirmation-statement · CS01
2023-11-08
accounts-with-accounts-type-micro-entity
accounts · AA
2023-08-25
confirmation-statement-with-updates
confirmation-statement · CS01
2022-11-10
accounts-with-accounts-type-micro-entity
accounts · AA
2022-06-27
confirmation-statement-with-updates
confirmation-statement · CS01
2021-11-22
accounts-with-accounts-type-micro-entity
accounts · AA
2021-06-09
confirmation-statement-with-updates
confirmation-statement · CS01
2020-11-12
change-person-director-company-with-change-date
officers · CH01
2019-11-06
incorporation-company
incorporation · NEWINC
2019-11-04