WHITEHEAD HOMES LTD

🏛️Establishedactive
SC664889 · ltd · incorporated 2020-06-22
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 5.6y old — refinance window within 12 months
🔒Estimated value
—
Upgrade to see
Turnover
—
year to Jun 2024
Net worth
£-34.8k
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
Pass (distressed without resilience)
Distressed property-backed borrower — structural issues outweigh the discount.

Opportunity 73/100 (strong), bankability 75/100. High owner-dependency — earn-out structure likely required for clean transition. Share purchase looks the cleaner deal structure. Most likely exit: distressed disposal / insolvency (65/100).

🏦

Refinance opportunity

3 live charges · 2 lenders · oldest 5.6y

70/100
ready

Refinance conversation should be productive — structure clean and timing right.

  • · Oldest live charge is 5.6 years old — likely at or near maturity.
  • · Two lenders — manageable, but coordination required.
  • · Legal-friction score 15/100 — clean.

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
3 charges (3/3 with lender, 3/3 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
1 connected companies via shared directors
48
Filing history
13 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
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 · accounting standard not declared
Negative net assets
Liabilities exceed assets by £34,795
Cash YoY
+481%
Year on year

Key financials

2 years extracted from filed iXBRL accounts
Cash
£1k
↑ 481% YoY
Net Worth
-£35k
↓ 89% YoY
Current Assets
£2k
↑ 498% YoY
Current Liabilities
—
-£35k-£27k-£20k-£13k-£5k£2kJun 2023Jun 2024

Hover to see exact values · click legend to toggle series

Financials

Extracted from Companies House accounts · accounting standard unknown
Metric2024-06-302023-06-30
Total assets£143.6k£46.2k
Current assets£1.9k£312
Cash£1.5k£253
Debtors£395£59
Net assets£-34.8k£-18.5k

Amounts extracted automatically from iXBRL. Fields left blank were not reported or not mapped. Values in GBP unless stated.

🔒Filing-note intelligence

2 signals 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
0
filings
Counts from Companies House filing history.
Corporate timeline (14 events)Click to expand
  1. 2025-06-30
    📄
    accounts-with-accounts-type-total-exemption-full
    accounts · AA
  2. 2024-06-24
    📄
    accounts-with-accounts-type-total-exemption-full
    accounts · AA
  3. 2024-02-02
    📄
    mortgage-create-with-deed-with-charge-number-charge-creation-date
    mortgage · MR01
  4. 2024-01-16
    🔒
    Charge registered #3
    Lender: Kensington Mortgage Company Limited
  5. 2023-12-22
    📄
    mortgage-create-with-deed-with-charge-number-charge-creation-date
    mortgage · MR01
  6. 2023-12-20
    🔒
    Charge registered #2
    Lender: Kensington Mortgage Company Limited
  7. 2023-06-19
    📄
    accounts-with-accounts-type-total-exemption-full
    accounts · AA
  8. 2022-05-06
    📄
    accounts-with-accounts-type-total-exemption-full
    accounts · AA
  9. 2020-10-07
    📄
    mortgage-create-with-deed-with-charge-number-charge-creation-date
    mortgage · MR01
  10. 2020-10-07
    🔒
    Charge registered #1
    Lender: The Mortgage Works (UK) PLC
  11. 2020-06-22
    🏢
    Company incorporated
    As WHITEHEAD HOMES LTD
  12. 2020-06-22
    ➕
    WHITEHEAD, Graham John appointed
    director
  13. 2020-06-22
    ➕
    WHITEHEAD, Sharon Susan appointed
    director
  14. 2020-06-22
    📄
    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 "WHITEHEAD" — 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
Mr Graham John Whitehead
Individual · British · DOB 08/1970 · age 56
25–50%
25–50%25-50% shares · 25-50% voting22/06/2020
Mrs Sharon Susan Whitehead
Individual · British · DOB 08/1972 · age 54
25–50%
25–50%25-50% shares · 25-50% voting22/06/2020

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 →

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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
Incorporated2020-06-22
Jurisdictionscotland
Primary SIC68209 — Other letting and operating of own or leased real estate

Registered office

27 Dawson Drive Skene
Westhill
Aberdeenshire
AB32 6NS
Scotland

Filing status

Accounts
Next due: 2026-06-30
Last made up to: 2024-06-30
Confirmation statement
Next due: 2026-07-05
Last: 2025-06-21

Officers (2 active · 0 resigned)

WHITEHEAD, Graham John→
director · ~56y · appointed 2020-06-22
View their other companies + combined net worth →
Active
WHITEHEAD, Sharon Susan→
director · ~54y · appointed 2020-06-22
View their other companies + combined net worth →
Active

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

Mortgages & charges

3
Total charges
3
Outstanding
2
Active lenders
Status:Lender:3 of 3 shown
TypeProperties
outstanding
Kensington Mortgage Company
Kensington Mortgage Company Limited
A registered charge1 property16/01/2024—
outstanding
Kensington Mortgage Company
Kensington Mortgage Company Limited
A registered charge1 property20/12/2023—
outstanding
The Mortgage Works (UK)
The Mortgage Works (UK) PLC
A registered charge1 property07/10/2020—
Click column headers to sort. Use filters above to narrow by status and lender.

Recent filings (13 total)

accounts-with-accounts-type-total-exemption-full
accounts · AA
2025-06-30
confirmation-statement-with-no-updates
confirmation-statement · CS01
2025-06-27
confirmation-statement-with-no-updates
confirmation-statement · CS01
2024-07-01
accounts-with-accounts-type-total-exemption-full
accounts · AA
2024-06-24
mortgage-create-with-deed-with-charge-number-charge-creation-date
mortgage · MR01
2024-02-02
mortgage-create-with-deed-with-charge-number-charge-creation-date
mortgage · MR01
2023-12-22
confirmation-statement-with-no-updates
confirmation-statement · CS01
2023-07-03
accounts-with-accounts-type-total-exemption-full
accounts · AA
2023-06-19
confirmation-statement-with-no-updates
confirmation-statement · CS01
2022-06-30
accounts-with-accounts-type-total-exemption-full
accounts · AA
2022-05-06
confirmation-statement-with-no-updates
confirmation-statement · CS01
2021-06-23
mortgage-create-with-deed-with-charge-number-charge-creation-date
mortgage · MR01
2020-10-07
incorporation-company
incorporation · NEWINC
2020-06-22