CELTIC PROPERTY GUILD LTD
- 68201Renting and operating of Housing Association real estate
- 68209Other letting and operating of own or leased real estate
- 68320Management of real estate on a fee or contract basis
Opportunity 69/100 (strong), bankability 75/100. High owner-dependency — earn-out structure likely required for clean transition. Share purchase looks the cleaner deal structure. Biggest value-creation lever: Broaden director team. Sole director creates succession risk and reduces buyer comfort. Appoint a second director or strong #2. Most likely exit: share sale to pe / searcher (58/100).
Refinance opportunity
3 live charges · oldest 0.2y
Refinance viable after a tidy-up — address the highlighted items first.
- · Newest facility, 0.2 years old — likely still in initial term.
- · Single lender — cleanest path to refinance.
- · Legal-friction score 15/100 — clean.
Data confidence
Overall: medium (70/100)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
1 year extracted from filed iXBRL accountsFinancials
Extracted from Companies House accounts · accounting standard unknown| Metric | 2024-09-30 |
|---|
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
- • 3 mortgage
- • 3 mortgage
Corporate timeline (10 events)Click to expand
- 2026-03-02📄mortgage-create-with-deed-with-charge-number-charge-creation-datemortgage · MR01
- 2026-03-02📄mortgage-create-with-deed-with-charge-number-charge-creation-datemortgage · MR01
- 2026-02-24📄mortgage-create-with-deed-with-charge-number-charge-creation-datemortgage · MR01
- 2026-02-24🔒Charge registered #3Lender: Together Commercial Finance Limited, a Company Incorporated in England and Wales (Company Number 02058813) and Having Its Registered Office at Lake View, Lakeside, Cheadle, Cheshire SK8 3GW
- 2026-02-24🔒Charge registered #2Lender: Together Commercial Finance Limited, a Company Incorporated in England and Wales (Company Number 02058813) and Having Its Registered Office at Lake View, Lakeside, Cheadle, Cheshire SK8 3GW
- 2026-02-24🔒Charge registered #1Lender: Together Commercial Finance Limited, a Company Incorporated in England and Wales (Company Number 02058813) and Having Its Registered Office at Lake View, Lakeside, Cheadle, Cheshire SK8 3GW
- 2025-05-30📄accounts-with-accounts-type-micro-entityaccounts · AA
- 2023-09-01🏢Company incorporatedAs CELTIC PROPERTY GUILD LTD
- 2023-09-01➕KAVANAGH, Danielle appointeddirector
- 2023-09-01📄incorporation-companyincorporation · NEWINC
Owner dependency
The business appears inseparable from the founder. Acquisition without a serious earn-out or meaningful transition period would likely destroy value.
- +Sole director: Only one active director — all governance concentrated on one person.
- +Young company: Only 2.7 years old — management layer unlikely to be developed.
Succession & seller-readiness
Some succession indicators present. Worth watching; approach if sector/strategy fits.
- primarySole active director: Only one director in control. No visible successor — buyers solve the succession problem.
Red flags
1 med ·Heavy recent charge activity can indicate refinancing pressure, aggressive leverage, or multiple lender rotation.
Evidence: 2026-02-24: A registered charge; 2026-02-24: A registered charge; 2026-02-24: A registered charge
Shareholders & ownership
1 active beneficial owner · dominant holder ≥75%| Name | Shares | Voting rights | Nature of control | Notified |
|---|---|---|---|---|
Ms Danielle Kavanagh Individual · Irish · DOB 02/1989 · age 37 | 75–100% | 75–100% | board control75-100% shares · 75-100% voting · board control | 01/09/2023 |
From Companies House Persons with Significant Control filings. Share ranges are banded per the public PSC regime.
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|---|---|---|---|---|---|---|---|
| DISCOVERY DWELLINGS LTD→ SC855000 · est 2025 · no financials extracted | — | — | — | — | — | — | — |
| EARLY BIRDS PROPERTIES LTD→ SC780448 · est 2023 · no financials extracted | — | — | — | — | 2y | — | — |
| EAST OF SCOTLAND COLOUR PRINT LIMITED→ SC343575 · est 2008 · no financials extracted | — | — | — | — | 17y | — | — |
| EDM PROPERTY MANAGEMENT LTD→ SC752444 · est 2022 · no financials extracted | — | — | — | — | 3y | — | — |
| ELABOR LIMITED→ SC555871 · est 2017 · no financials extracted | — | — | — | — | 9y | — | — |
| EXTEND ESTATES LIMITED→ SC212020 · est 2000 · no financials extracted | — | — | — | — | 25y | — | — |
| F&M PROPERTY (DUNDEE) LTD→ SC467979 · est 2014 · no financials extracted | — | — | — | — | 12y | — | — |
| FARINGTON HOUSE PROPERTIES LTD.→ SC231149 · est 2002 · no financials extracted | — | — | — | — | 23y | — | — |
| FARNELL ESTATES LIMITED→ SC309462 · est 2006 · no financials extracted | — | — | — | — | 19y | — | — |
| FARO5 LTD→ SC551157 · est 2016 · no financials extracted | — | — | — | — | 9y | — | — |
| FASQUE CASTLE LIMITED→ SC569888 · est 2017 · no financials extracted | — | — | — | — | 8y | — | — |
| FIELDSTREAM LIMITED→ SC169444 · est 1996 · no financials extracted | — | — | — | — | 29y | — | — |
10 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 (1 active · 0 resigned)
Click a director name to see their full track record across all companies.
Mortgages & charges
| Type | Properties | |||||
|---|---|---|---|---|---|---|
| outstanding | Together Money Together Commercial Finance Limited, a Company Incorporated in England and Wales (Company Number 02058813) and Having Its Registered Office at Lake View, Lakeside, Cheadle, Cheshire SK8 3GW | A registered charge | 3 properties | 24/02/2026 | — | |
| outstanding | Together Money Together Commercial Finance Limited, a Company Incorporated in England and Wales (Company Number 02058813) and Having Its Registered Office at Lake View, Lakeside, Cheadle, Cheshire SK8 3GW | A registered charge | 4 properties | 24/02/2026 | — | |
| outstanding | Together Money Together Commercial Finance Limited, a Company Incorporated in England and Wales (Company Number 02058813) and Having Its Registered Office at Lake View, Lakeside, Cheadle, Cheshire SK8 3GW | A registered charge | — | 24/02/2026 | — |