PERTH CITY PROPERTIES LTD
Opportunity 66/100 (strong), bankability 52/100. 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. 3 distinct lenders creates friction — refinance into single-lender structure for cleaner diligence. Most likely exit: share sale to pe / searcher (58/100).
Refinance opportunity
8 live charges · 3 lenders · oldest 3.2y
Refinance path is blocked by complexity. Rethink structure or expect bespoke, expensive terms.
- · Charge age ~3.2 years — mid-life; refi window approaching.
- · 3 lenders named — inter-creditor friction likely.
- · Legal-friction score 25/100 — workable, but lender will want more DD.
Data confidence
Overall: high (80/100)Strong data coverage across all sections. AI outputs should be trusted with minimal caveats.
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 · accounting standard unknown| Metric | 2025-03-31 | 2024-03-31 |
|---|---|---|
| Average employees | 0 | 0 |
Amounts extracted automatically from iXBRL. Fields left blank were not reported or not mapped. Values in GBP unless stated.
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
- • 5 mortgage
- • 1 accounts
- • 1 confirmation-statement
Corporate timeline (24 events)Click to expand
- 2025-12-24📄accounts-with-accounts-type-micro-entityaccounts · AA
- 2025-11-12📄mortgage-create-with-deed-with-charge-number-charge-creation-datemortgage · MR01
- 2025-11-12📄mortgage-create-with-deed-with-charge-number-charge-creation-datemortgage · MR01
- 2025-11-12📄mortgage-create-with-deed-with-charge-number-charge-creation-datemortgage · MR01
- 2025-11-12📄mortgage-create-with-deed-with-charge-number-charge-creation-datemortgage · MR01
- 2025-11-12📄mortgage-create-with-deed-with-charge-number-charge-creation-datemortgage · MR01
- 2025-11-11🔒Charge registered #7Lender: Shawbrook Bank Limited
- 2025-11-11🔒Charge registered #6Lender: Shawbrook Bank Limited
- 2025-11-11🔒Charge registered #5Lender: Shawbrook Bank Limited
- 2025-11-11🔒Charge registered #4Lender: Shawbrook Bank Limited
- 2025-11-03🔒Charge registered #8Lender: Shawbrook Bank Limited
- 2024-12-18📄accounts-with-accounts-type-micro-entityaccounts · AA
- 2024-10-14📄change-account-reference-date-company-previous-shortenedaccounts · AA01
- 2024-08-23📄mortgage-create-with-deed-with-charge-number-charge-creation-datemortgage · MR01
- 2024-08-07🔒Charge registered #3Lender: Belmont Green Finance Limited
- 2024-07-30📄accounts-with-accounts-type-micro-entityaccounts · AA
- 2024-01-25📄mortgage-create-with-deed-with-charge-number-charge-creation-datemortgage · MR01
- 2024-01-22🔒Charge registered #2Lender: The Mortgage Works (UK) PLC
- 2023-02-09📄mortgage-create-with-deed-with-charge-number-charge-creation-datemortgage · MR01
- 2023-02-08🔒Charge registered #1Lender: The Mortgage Works (UK) PLC
- 2022-11-01🏢Company incorporatedAs PERTH CITY PROPERTIES LTD
- 2022-11-01➕WHYTE, Gary Scott appointeddirector
- 2022-11-01➕WHYTE, Nanna Mary appointeddirector
- 2022-11-01📄incorporation-companyincorporation · NEWINC
Owner dependency
Material founder dependency. Consider a 2-3 year earn-out and build in a handover plan before completion.
- +Two-director setup: Only two active directors — typical of owner-managed SMEs but limits succession.
- +Family involvement: Multiple officers share a surname — likely family business, which concentrates governance.
Succession & seller-readiness
Limited succession signal. Not a near-term off-market candidate.
- secondaryTwo-director governance: Small-team governance. Succession depth is thin but not absent.
Red flags
1 med · 1 lowHeavy recent charge activity can indicate refinancing pressure, aggressive leverage, or multiple lender rotation.
Evidence: 2025-11-11: A registered charge; 2025-11-11: A registered charge; 2025-11-11: A registered charge
Heavily leveraged with multiple live security positions — understand the capital structure before proceeding.
Shareholders & ownership
2 active beneficial owners| Name | Shares | Voting rights | Nature of control | Notified |
|---|---|---|---|---|
Mr Gary Scott Whyte Individual · Scottish · DOB 03/1986 · age 40 | 25–50% | 25–50% | board control25-50% shares · 25-50% voting · board control | 01/11/2022 |
Mrs Nanna Mary Whyte Individual · Scottish · DOB 07/1980 · age 46 | 25–50% | 25–50% | board control25-50% shares · 25-50% voting · board control | 01/11/2022 |
From Companies House Persons with Significant Control filings. Share ranges are banded per the public PSC regime.
Radial SVG graph showing every company connected via shared directors, colour-coded by status.
Available from the Pro tier upwards.
See pricing →Similar companies
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|---|---|---|---|---|---|---|---|
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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 →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 (2 active · 0 resigned)
Click a director name to see their full track record across all companies.
Mortgages & charges
| Type | Properties | |||||
|---|---|---|---|---|---|---|
| outstanding | Shawbrook Shawbrook Bank Limited | A registered charge | 1 property | 11/11/2025 | — | |
| outstanding | Shawbrook Shawbrook Bank Limited | A registered charge | 1 property | 11/11/2025 | — | |
| outstanding | Shawbrook Shawbrook Bank Limited | A registered charge | 1 property | 11/11/2025 | — | |
| outstanding | Shawbrook Shawbrook Bank Limited | A registered charge | 1 property | 11/11/2025 | — | |
| outstanding | Shawbrook Shawbrook Bank Limited | A registered charge | 1 property | 03/11/2025 | — | |
| outstanding | Belmont Green Finance Belmont Green Finance Limited | A registered charge | 1 property | 07/08/2024 | — | |
| outstanding | The Mortgage Works (UK) The Mortgage Works (UK) PLC | A registered charge | 1 property | 22/01/2024 | — | |
| outstanding | The Mortgage Works (UK) The Mortgage Works (UK) PLC | A registered charge | 1 property | 08/02/2023 | — |