GALLAGHER RESIDENTIAL LTD
- 68209Other letting and operating of own or leased real estate
Opportunity 73/100 (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: distressed disposal / insolvency (65/100).
Refinance opportunity
2 live charges · 2 lenders · oldest 3.4y
Refinance would be pressure-driven, not opportunity-driven. Expect tighter margins and covenant scrutiny.
- · Charge age ~3.4 years — mid-life; refi window approaching.
- · Two lenders — manageable, but coordination required.
- · 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 | 2025-03-31 | 2024-03-31 |
|---|---|---|
| Total assets | £231.6k | £231.5k |
| Current assets | £1.6k | £3.8k |
| Cash | £1.6k | £1.2k |
| Debtors | — | £2.6k |
| Net assets | £-10.6k | £-10.5k |
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 confirmation-statement
- • 1 confirmation-statement
- • 1 accounts
Corporate timeline (14 events)Click to expand
- 2025-12-17📄accounts-with-accounts-type-total-exemption-fullaccounts · AA
- 2024-12-27📄accounts-with-accounts-type-total-exemption-fullaccounts · AA
- 2023-12-21📄accounts-with-accounts-type-total-exemption-fullaccounts · AA
- 2023-11-29📄change-account-reference-date-company-previous-extendedaccounts · AA01
- 2023-02-07📄mortgage-create-with-deed-with-charge-number-charge-creation-datemortgage · MR01
- 2023-02-03🔒Charge registered #2Lender: Aldermore Bank PLC
- 2022-12-07📄mortgage-create-with-deed-with-charge-number-charge-creation-datemortgage · MR01
- 2022-11-29📄accounts-with-accounts-type-total-exemption-fullaccounts · AA
- 2022-11-29🔒Charge registered #1Lender: The Mortgage Works (UK) PLC
- 2021-11-30📄accounts-with-accounts-type-micro-entityaccounts · AA
- 2020-04-20📄change-account-reference-date-company-current-shortenedaccounts · AA01
- 2020-03-03🏢Company incorporatedAs GALLAGHER RESIDENTIAL LTD
- 2020-03-03➕GALLAGHER, Stephen John appointeddirector
- 2020-03-03📄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 "GALLAGHER" — strong identity link between founder and business.
- +No director turnover: Company is 6 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
cleanShareholders & ownership
1 active beneficial owner · dominant holder ≥75%| Name | Shares | Voting rights | Nature of control | Notified |
|---|---|---|---|---|
Mr Stephen John Gallagher Individual · British · DOB 07/1972 · age 54 | 75–100% | — | 75-100% shares | 03/03/2020 |
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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|---|---|---|---|---|---|---|---|
| G & C DEVELOPMENTS (SCOTLAND) LIMITED→ SC818812 · est 2024 · no financials extracted | — | — | — | — | 1y | — | — |
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| GETTY LETTINGS LTD→ SC879676 · est 2026 · no financials extracted | — | — | — | — | — | — | — |
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| GLE LETTINGS LTD→ SC872691 · est 2025 · no financials extracted | — | — | — | — | — | — | — |
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| GOLDMONT THOMPSON LTD→ SC628243 · est 2019 · no financials extracted | — | — | — | — | 6y | — | — |
7 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 | 03/02/2023 | — | |
| outstanding | The Mortgage Works (UK) The Mortgage Works (UK) PLC | A registered charge | 1 property | 29/11/2022 | — |