G MOR PROPERTIES LIMITED

🌿Early-stageactive
SC759597 · ltd · incorporated 2023-02-21
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.
🔒Estimated value
Upgrade to see
Turnover
year to Feb 2025
Net worth
£871
book net assets
Opportunity
67/100
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
Property-backed borrower. Reasonable fundamentals — worth a memo before deciding.

Opportunity 67/100 (strong), bankability 52/100. 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

6 live charges · 3 lenders · oldest 2.9y

0/100
too messy

Refinance path is blocked by complexity. Rethink structure or expect bespoke, expensive terms.

  • · Newest facility, 2.9 years old — likely still in initial term.
  • · 3 lenders named — inter-creditor friction likely.
  • · Legal-friction score 25/100 — workable, but lender will want more DD.

Data confidence

Overall: high (81/100)

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
6 charges (6/6 with lender, 6/6 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
4 connected companies via shared directors
57
Filing history
12 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
67/100Strong
PassWatchWorth a lookStrongExceptional 

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

Business quality
50
Adequate — check latest filings for context.
Acquirability
50
Some acquirability indicators.
Risk profile
82
Few red flags.
Signal strength
100
Good data coverage for analysis.

Signals from accounts

Derived from iXBRL accounts · accounting standard not declared
Positive net assets
Net assets £871

Key financials

2 years extracted from filed iXBRL accounts
Cash
Net Worth
£871
↑ 42% YoY
Current Assets
£444k
~ YoY
Current Liabilities
£0£89k£177k£266k£355k£444kFeb 2024Feb 2025

Hover to see exact values · click legend to toggle series

Financials

Extracted from Companies House accounts · accounting standard unknown
Metric2025-02-282024-02-29
Total assets£431.0k£430.7k
Current assets£443.6k£439.4k
Net assets£871£614

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
1
filing
  • 1 confirmation-statement
Last 180 days
1
filing
  • 1 confirmation-statement
Counts from Companies House filing history.
Corporate timeline (18 events)Click to expand
  1. 2025-09-03
    📄
    accounts-with-accounts-type-micro-entity
    accounts · AA
  2. 2024-11-18
    📄
    accounts-with-accounts-type-micro-entity
    accounts · AA
  3. 2023-11-21
    📄
    mortgage-create-with-deed-with-charge-number-charge-creation-date
    mortgage · MR01
  4. 2023-11-20
    📄
    mortgage-create-with-deed-with-charge-number-charge-creation-date
    mortgage · MR01
  5. 2023-11-13
    🔒
    Charge registered #6
    Lender: Mortgage Lender Limited
  6. 2023-11-10
    🔒
    Charge registered #5
    Lender: Mortgage Lender Limited
  7. 2023-10-09
    📄
    mortgage-create-with-deed-with-charge-number-charge-creation-date
    mortgage · MR01
  8. 2023-10-09
    📄
    mortgage-create-with-deed-with-charge-number-charge-creation-date
    mortgage · MR01
  9. 2023-10-09
    📄
    mortgage-create-with-deed-with-charge-number-charge-creation-date
    mortgage · MR01
  10. 2023-09-27
    🔒
    Charge registered #4
    Lender: Aldermore Bank PLC
  11. 2023-09-27
    🔒
    Charge registered #3
    Lender: Aldermore Bank PLC
  12. 2023-09-27
    🔒
    Charge registered #2
    Lender: Aldermore Bank PLC
  13. 2023-06-14
    📄
    mortgage-create-with-deed-with-charge-number-charge-creation-date
    mortgage · MR01
  14. 2023-06-08
    🔒
    Charge registered #1
    Lender: Paragon Bank PLC
  15. 2023-02-21
    🏢
    Company incorporated
    As G MOR PROPERTIES LIMITED
  16. 2023-02-21
    MORAWSKA, Justyna appointed
    director
  17. 2023-02-21
    MORAWSKI, Gregor appointed
    director
  18. 2023-02-21
    📄
    incorporation-company
    incorporation · NEWINC

Owner dependency

58/100
Moderate — manageable with handover

Some founder dependency, but not acute. A structured handover period should cover most risk.

FACTORS
  • +Two-director setup: Only two active directors — typical of owner-managed SMEs but limits succession.

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

1 low
6 live charges
low

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

Shareholders & ownership

2 active beneficial owners
NameSharesVoting rightsNature of controlNotified
Mr Gregor Morawski
Individual · Polish · DOB 11/1987 · age 39
2550%
25–50%board control25-50% shares · 25-50% voting · board control21/02/2023
Mrs Justyna Morawska
Individual · Polish · DOB 12/1989 · age 37
2550%
25–50%board control25-50% shares · 25-50% voting · board control21/02/2023

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

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 →
🔒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
Incorporated2023-02-21
Jurisdictionscotland
Primary SIC68209 — Other letting and operating of own or leased real estate

Registered office

1 Kirk Brae
Kilmore
Oban
PA34 4QQ
Scotland

Filing status

Accounts
Next due: 2026-11-30
Last made up to: 2025-02-28
Confirmation statement
Next due: 2027-03-06
Last: 2026-02-20

Officers (2 active · 0 resigned)

MORAWSKA, Justyna
director · ~37y · appointed 2023-02-21
View their other companies + combined net worth →
Active
MORAWSKI, Gregor
director · ~39y · appointed 2023-02-21
View their other companies + combined net worth →
Active

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

Mortgages & charges

6
Total charges
6
Outstanding
3
Active lenders
Status:Lender:6 of 6 shown
TypeProperties
outstanding
Mortgage Lender
Mortgage Lender Limited
A registered charge1 property13/11/2023
outstanding
Mortgage Lender
Mortgage Lender Limited
A registered charge1 property10/11/2023
outstanding
Aldermore
Aldermore Bank PLC
A registered charge1 property27/09/2023
outstanding
Aldermore
Aldermore Bank PLC
A registered charge1 property27/09/2023
outstanding
Aldermore
Aldermore Bank PLC
A registered charge1 property27/09/2023
outstanding
Paragon
Paragon Bank PLC
A registered charge1 property08/06/2023
Click column headers to sort. Use filters above to narrow by status and lender.

Recent filings (12 total)

confirmation-statement-with-no-updates
confirmation-statement · CS01
2026-02-25
accounts-with-accounts-type-micro-entity
accounts · AA
2025-09-03
confirmation-statement-with-no-updates
confirmation-statement · CS01
2025-03-28
accounts-with-accounts-type-micro-entity
accounts · AA
2024-11-18
confirmation-statement-with-no-updates
confirmation-statement · CS01
2024-04-22
mortgage-create-with-deed-with-charge-number-charge-creation-date
mortgage · MR01
2023-11-21
mortgage-create-with-deed-with-charge-number-charge-creation-date
mortgage · MR01
2023-11-20
mortgage-create-with-deed-with-charge-number-charge-creation-date
mortgage · MR01
2023-10-09
mortgage-create-with-deed-with-charge-number-charge-creation-date
mortgage · MR01
2023-10-09
mortgage-create-with-deed-with-charge-number-charge-creation-date
mortgage · MR01
2023-10-09
mortgage-create-with-deed-with-charge-number-charge-creation-date
mortgage · MR01
2023-06-14
incorporation-company
incorporation · NEWINC
2023-02-21