GALLACHER HOMES LTD
Opportunity 69/100 (strong), bankability 70/100. 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: distressed disposal / insolvency (65/100).
Refinance opportunity
5 live charges · oldest 9.3y
Refinance would be pressure-driven, not opportunity-driven. Expect tighter margins and covenant scrutiny.
- · Oldest live charge is 9.3 years old — likely at or near maturity.
- · Single lender — cleanest path to refinance.
- · Distress signals active — lender appetite narrows.
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.
Signals from accounts
Derived from iXBRL accounts · accounting standard not declaredKey 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 | 2025-05-31 | 2024-05-31 |
|---|---|---|
| Total assets | £-55.2k | £-66.8k |
| Cash | £9.9k | £13.5k |
| Net assets | £-55.2k | £-66.8k |
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
- • 1 accounts
- • 1 accounts
- • 1 accounts
Corporate timeline (23 events)Click to expand
- 2026-04-24📄accounts-with-accounts-type-total-exemption-fullaccounts · AA
- 2025-02-28📄accounts-with-accounts-type-unaudited-abridgedaccounts · AA
- 2024-03-12📄accounts-with-accounts-type-unaudited-abridgedaccounts · AA
- 2023-02-15📄accounts-with-accounts-type-unaudited-abridgedaccounts · AA
- 2022-03-21📍change-registered-office-address-company-with-date-old-address-new-addressaddress · AD01
- 2022-02-25📄accounts-with-accounts-type-unaudited-abridgedaccounts · AA
- 2021-04-30📄accounts-with-accounts-type-unaudited-abridgedaccounts · AA
- 2020-01-28📄mortgage-create-with-deed-with-charge-number-charge-creation-datemortgage · MR01
- 2020-01-28📄mortgage-create-with-deed-with-charge-number-charge-creation-datemortgage · MR01
- 2020-01-28📄mortgage-create-with-deed-with-charge-number-charge-creation-datemortgage · MR01
- 2020-01-23🔒Charge registered #5Lender: Aldermore Bank PLC
- 2020-01-23🔒Charge registered #4Lender: Aldermore Bank PLC
- 2020-01-23🔒Charge registered #3Lender: Aldermore Bank PLC
- 2019-10-25📄accounts-with-accounts-type-unaudited-abridgedaccounts · AA
- 2019-02-19📄accounts-with-accounts-type-unaudited-abridgedaccounts · AA
- 2018-03-08📄accounts-with-accounts-type-unaudited-abridgedaccounts · AA
- 2017-02-17📄mortgage-create-with-deed-with-charge-number-charge-creation-datemortgage · MR01
- 2017-02-13🔒Charge registered #2Lender: Aldermore Bank PLC
- 2017-02-07📄mortgage-create-with-deed-with-charge-number-charge-creation-datemortgage · MR01
- 2017-01-31🔒Charge registered #1Lender: Aldermore Bank PLC
- 2016-05-19🏢Company incorporatedAs GALLACHER HOMES LTD
- 2016-05-19➕GALLACHER, David Archibald Peter appointeddirector
- 2016-05-19📄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.
- +Founder name in company name: Company name contains director surname "GALLACHER" — strong identity link between founder and business.
- +No director turnover: Company is 10 years old with no director changes — suggests a very tight-knit founder team never broadened.
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 lowHeavily 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 David Archibald Peter Gallacher Individual · British · DOB 11/1983 · age 43 | 75–100% | — | 75-100% shares | 18/05/2017 |
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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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 (1 active · 0 resigned)
Click a director name to see their full track record across all companies.
Mortgages & charges
| Type | Properties | |||||
|---|---|---|---|---|---|---|
| outstanding | Aldermore Aldermore Bank PLC | A registered charge | 1 property | 23/01/2020 | — | |
| outstanding | Aldermore Aldermore Bank PLC | A registered charge | 1 property | 23/01/2020 | — | |
| outstanding | Aldermore Aldermore Bank PLC | A registered charge | 1 property | 23/01/2020 | — | |
| outstanding | Aldermore Aldermore Bank PLC | A registered charge | 1 property | 13/02/2017 | — | |
| outstanding | Aldermore Aldermore Bank PLC | A registered charge | — | 31/01/2017 | — |