CRP GALLO PROPERTIES LIMITED
Opportunity 75/100 (strong), bankability 57/100. Strong seller-intent signal (83/100, director aged 67). Biggest value-creation lever: Consolidate lender relationships. 4 distinct lenders creates friction — refinance into single-lender structure for cleaner diligence. Most likely exit: share sale to pe / searcher (53/100).
Refinance opportunity
51 live charges · 4 lenders · oldest 33.5y
Structure is too messy for a clean refinance right now — clean up first or expect bespoke terms.
- · Oldest live charge is 33.5 years old — likely at or near maturity.
- · 4 lenders named — inter-creditor friction likely.
- · Legal-friction score 50/100 (high).
Data confidence
Overall: medium (77/100)Adequate coverage. AI outputs are reliable for the sections scored high; verify the rest in diligence.
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 · FRS 102| Metric | 2024-09-27 | 2023-09-27 |
|---|---|---|
| Average employees | 100 | 100 |
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
Corporate timeline (93 events)Click to expand
- 2025-06-26📄accounts-with-accounts-type-total-exemption-fullaccounts · AA
- 2024-11-19➕LYNCH, Aimee Louise Campbell appointeddirector
- 2024-11-19📄appoint-person-director-company-with-name-dateofficers · AP01
- 2024-07-17📄accounts-with-accounts-type-total-exemption-fullaccounts · AA
- 2024-06-21📄change-account-reference-date-company-previous-shortenedaccounts · AA01
- 2023-07-18📄accounts-amended-with-accounts-type-total-exemption-fullaccounts · AAMD
- 2023-06-26📄accounts-with-accounts-type-total-exemption-fullaccounts · AA
- 2023-01-19📄mortgage-satisfy-charge-fullmortgage · MR04
- 2023-01-19📄mortgage-satisfy-charge-fullmortgage · MR04
- 2023-01-19📄mortgage-satisfy-charge-fullmortgage · MR04
- 2023-01-19📄mortgage-satisfy-charge-fullmortgage · MR04
- 2023-01-19📄mortgage-satisfy-charge-fullmortgage · MR04
- 2023-01-19📄mortgage-satisfy-charge-fullmortgage · MR04
- 2023-01-19📄mortgage-satisfy-charge-fullmortgage · MR04
- 2023-01-19📄mortgage-satisfy-charge-fullmortgage · MR04
- 2023-01-19🔓Charge satisfied #23
- 2023-01-19🔓Charge satisfied #22
- 2023-01-19🔓Charge satisfied #20
- 2023-01-19🔓Charge satisfied #19
- 2023-01-19🔓Charge satisfied #18
- 2023-01-19🔓Charge satisfied #17
- 2023-01-19🔓Charge satisfied #16
- 2023-01-19🔓Charge satisfied #15
- 2022-08-22📄accounts-with-accounts-type-total-exemption-fullaccounts · AA
- 2022-07-27📄change-to-a-person-with-significant-controlpersons-with-significant-control · PSC04
- 2022-06-27📄change-account-reference-date-company-previous-shortenedaccounts · AA01
- 2021-12-01📄mortgage-create-with-deed-with-charge-number-charge-creation-datemortgage · MR01
- 2021-11-27📄mortgage-create-with-deed-with-charge-number-charge-creation-datemortgage · MR01
- 2021-11-12🔒Charge registered #51Lender: Bank of Scotland PLC
- 2021-11-11🔒Charge registered #52Lender: Bank of Scotland PLC
- 2021-06-30📄accounts-with-accounts-type-total-exemption-fullaccounts · AA
- 2017-10-02🔒Charge registered #50Lender: Bank of Scotland PLC
- 2017-09-07🔒Charge registered #49Lender: Bank of Scotland PLC
- 2017-08-08🔒Charge registered #48Lender: Bank of Scotland PLC
- 2017-08-08🔒Charge registered #47Lender: Bank of Scotland PLC
- 2016-09-29🔒Charge registered #46Lender: Bank of Scotland PLC
- 2016-06-14🔒Charge registered #45Lender: Bank of Scotland PLC
- 2016-06-14🔒Charge registered #44Lender: Bank of Scotland PLC
- 2015-12-17🔒Charge registered #43Lender: Bank of Scotland PLC
- 2012-12-13🔒Charge registered #42Lender: Bank of Scotland PLC
- 2012-07-23🔒Charge registered #41Lender: Bank of Scotland PLC
- 2012-07-23🔒Charge registered #40Lender: Bank of Scotland PLC
- 2012-03-02🔓Charge satisfied #14
- 2012-02-27🔒Charge registered #39Lender: Bank of Scotland PLC
- 2012-02-27🔒Charge registered #38Lender: Bank of Scotland PLC
- 2012-02-27🔒Charge registered #37Lender: Bank of Scotland PLC
- 2012-02-27🔒Charge registered #36Lender: Bank of Scotland PLC
- 2012-02-27🔒Charge registered #35Lender: Bank of Scotland PLC
- 2012-02-27🔒Charge registered #34Lender: Bank of Scotland PLC
- 2012-02-27🔒Charge registered #33Lender: Bank of Scotland PLC
Owner dependency
The business appears inseparable from the founder. Acquisition without a serious earn-out or meaningful transition period would likely destroy value.
- +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 "GALLO" — strong identity link between founder and business.
- +Long-tenure founder: Senior director has been in place 34 years — deep operational knowledge concentrated in one person.
- +Founder age: Director aged approximately 67 — succession pressure is live.
Succession & seller-readiness
Strong acquirability signals converging. Worth approaching directly — this is how off-market deals start.
- primaryFounder aged 63+: Senior director is approximately 67. Approaching typical UK retirement age — succession thinking likely.
- secondaryTwo-director governance: Small-team governance. Succession depth is thin but not absent.
- primary20+ year tenure: Director in role 34 years. Very long tenure is a classic succession signal.
- supportingClean filings + long tenure: Disciplined long-tenure operator — classic lifestyle-business pattern that often sells quietly.
Red flags
1 med · 1 lowMultiple instances where a charge was satisfied and a new charge created within 6 months. Suggests active refinancing cycle.
Heavily leveraged with multiple live security positions — understand the capital structure before proceeding.
Shareholders & ownership
1 active beneficial owner · dominant holder ≥75%| Name | Shares | Voting rights | Nature of control | Notified |
|---|---|---|---|---|
Mr Carlo Rocco Paul Gallo Individual · British · DOB 10/1959 · age 67 | 75–100% | 75–100% | 75-100% shares · 75-100% voting | 06/04/2016 |
From Companies House Persons with Significant Control filings. Share ranges are banded per the public PSC regime.
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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 →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 · 5 resigned)
Click a director name to see their full track record across all companies.
Mortgages & charges
| Type | Properties | |||||
|---|---|---|---|---|---|---|
| outstanding | Lloyds Banking Group Bank of Scotland PLC | A registered charge | 1 property | 12/11/2021 | — | |
| outstanding | Lloyds Banking Group Bank of Scotland PLC | A registered charge | 1 property | 11/11/2021 | — | |
| outstanding | Lloyds Banking Group Bank of Scotland PLC | A registered charge | 1 property | 02/10/2017 | — | |
| outstanding | Lloyds Banking Group Bank of Scotland PLC | A registered charge | 1 property | 07/09/2017 | — | |
| outstanding | Lloyds Banking Group Bank of Scotland PLC | A registered charge | 1 property | 08/08/2017 | — | |
| outstanding | Lloyds Banking Group Bank of Scotland PLC | A registered charge | 1 property | 08/08/2017 | — | |
| outstanding | Lloyds Banking Group Bank of Scotland PLC | A registered charge | 1 property | 29/09/2016 | — | |
| outstanding | Lloyds Banking Group Bank of Scotland PLC | A registered charge | 1 property | 14/06/2016 | — | |
| outstanding | Lloyds Banking Group Bank of Scotland PLC | A registered charge | 1 property | 14/06/2016 | — | |
| outstanding | Lloyds Banking Group Bank of Scotland PLC | A registered charge | 1 property | 17/12/2015 | — | |
| outstanding | Lloyds Banking Group Bank of Scotland PLC | Standard security | 1 property | 13/12/2012 | — | |
| outstanding | Lloyds Banking Group Bank of Scotland PLC | Standard security | 1 property | 23/07/2012 | — | |
| outstanding | Lloyds Banking Group Bank of Scotland PLC | Standard security | 1 property | 23/07/2012 | — | |
| outstanding | Lloyds Banking Group Bank of Scotland PLC | Standard security | 1 property | 27/02/2012 | — | |
| outstanding | Lloyds Banking Group Bank of Scotland PLC | Standard security | 1 property | 27/02/2012 | — | |
| outstanding | Lloyds Banking Group Bank of Scotland PLC | Standard security | 1 property | 27/02/2012 | — | |
| outstanding | Lloyds Banking Group Bank of Scotland PLC | Standard security | 1 property | 27/02/2012 | — | |
| outstanding | Lloyds Banking Group Bank of Scotland PLC | Standard security | 1 property | 27/02/2012 | — | |
| outstanding | Lloyds Banking Group Bank of Scotland PLC | Standard security | 1 property | 27/02/2012 | — | |
| outstanding | Lloyds Banking Group Bank of Scotland PLC | Standard security | 1 property | 27/02/2012 | — | |
| outstanding | Lloyds Banking Group Bank of Scotland PLC | Standard security | 1 property | 27/02/2012 | — | |
| outstanding | Lloyds Banking Group Bank of Scotland PLC | Standard security | 1 property | 27/02/2012 | — | |
| outstanding | Lloyds Banking Group Bank of Scotland PLC | Standard security | 1 property | 27/02/2012 | — | |
| outstanding | Lloyds Banking Group Bank of Scotland PLC | Standard security | 1 property | 27/02/2012 | — | |
| outstanding | Lloyds Banking Group Bank of Scotland PLC | Standard security | 1 property | 27/02/2012 | — | |
| outstanding | Lloyds Banking Group Bank of Scotland PLC | Standard security | 1 property | 27/02/2012 | — | |
| outstanding | Lloyds Banking Group Bank of Scotland PLC | Standard security | 1 property | 27/02/2012 | — | |
| outstanding | Lloyds Banking Group Bank of Scotland PLC | Standard security | 1 property | 27/02/2012 | — | |
| outstanding | Lloyds Banking Group Bank of Scotland PLC | Standard security | 1 property | 27/02/2012 | — | |
| satisfied | Lloyds Banking Group Royal Bank of Scotland PLC | Standard security | 1 property | 26/04/2010 | 19/01/2023 | |
| satisfied | Lloyds Banking Group Royal Bank of Scotland PLC | Standard security | 1 property | 31/03/2010 | 19/01/2023 | |
| outstanding | Lloyds Banking Group The Royal Bank of Scotland PLC | Standard security | 1 property | 31/03/2010 | — | |
| satisfied | Lloyds Banking Group Royal Bank of Scotland PLC | Standard security | 1 property | 12/08/2009 | 19/01/2023 | |
| satisfied | Lloyds Banking Group Royal Bank of Scotland PLC | Standard security | 1 property | 11/09/2008 | 19/01/2023 | |
| satisfied | Lloyds Banking Group Royal Bank of Scotland PLC | Floating charge standard security | 1 property | 08/09/2008 | 19/01/2023 | |
| satisfied | Lloyds Banking Group Royal Bank of Scotland PLC | Standard security | 1 property | 08/09/2008 | 19/01/2023 | |
| satisfied | Lloyds Banking Group Royal Bank of Scotland PLC | Standard security | 1 property | 08/09/2008 | 19/01/2023 | |
| satisfied | Lloyds Banking Group Royal Bank of Scotland PLC | Standard security | 1 property | 08/09/2008 | 19/01/2023 | |
| satisfied | Lloyds Banking Group Royal Bank of Scotland PLC | Bond & floating charge | 1 property | 01/09/2008 | 02/03/2012 | |
| outstanding | Lloyds Banking Group The Governor and Company of the Bank of Scotland | Standard security | 1 property | 30/08/2006 | — | |
| outstanding | Lloyds Banking Group The Governor and Company of the Bank of Scotland | Standard security | 1 property | 27/03/2003 | — | |
| outstanding | Lloyds Banking Group The Governor and Company of the Bank of Scotland | Standard security | 1 property | 22/11/2001 | — | |
| outstanding | Lloyds Banking Group The Governor and Company of the Bank of Scotland | Standard security | 1 property | 29/01/2001 | — | |
| outstanding | Lloyds Banking Group The Governor and Company of the Bank of Scotland | Standard security | 1 property | 29/11/2000 | — | |
| outstanding | Lloyds Banking Group The Governor and Company of the Bank of Scotland | Standard security | 1 property | 13/10/2000 | — | |
| outstanding | Lloyds Banking Group The Governor and Company of the Bank of Scotland | Standard security | 1 property | 11/10/2000 | — | |
| outstanding | Lloyds Banking Group The Governor and Company of the Bank of Scotland | Standard security | 1 property | 17/01/2000 | — | |
| outstanding | Lloyds Banking Group The Governor and Company of the Bank of Scotland | Standard security | 1 property | 27/07/1998 | — | |
| outstanding | Lloyds Banking Group The Governor and Company of the Bank of Scotland | Standard security | 1 property | 18/06/1997 | — | |
| outstanding | Lloyds Banking Group The Governor and Company of the Bank of Scotland | Floating charge | 1 property | 21/01/1993 | — | |
| outstanding | Lloyds Banking Group The Governor and Company of the Bank of Scotland | Standard security | 1 property | 24/11/1992 | — |