NEXT CHAPTER MORTGAGES LIMITED
Opportunity 71/100 (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: strategic trade sale (65/100).
Data confidence
Overall: medium (78/100)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.
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 | 2025-01-31 | 2024-01-31 |
|---|---|---|
| Total assets | £12.7k | £1.6k |
| Current assets | £18.3k | £5.5k |
| Net assets | £10.7k | £1.1k |
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
- • 2 persons-with-significant-control
- • 1 confirmation-statement
- • 1 officers
Corporate timeline (8 events)Click to expand
- 2026-01-24📄change-to-a-person-with-significant-controlpersons-with-significant-control · PSC04
- 2026-01-24📄notification-of-a-person-with-significant-controlpersons-with-significant-control · PSC01
- 2026-01-23📄change-person-director-company-with-change-dateofficers · CH01
- 2025-10-14📄accounts-with-accounts-type-micro-entityaccounts · AA
- 2024-10-04📄accounts-with-accounts-type-micro-entityaccounts · AA
- 2023-01-11🏢Company incorporatedAs NEXT CHAPTER MORTGAGES LIMITED
- 2023-01-11➕GALSTAUN, Daniel Nigel Marcar appointeddirector
- 2023-01-11📄incorporation-companyincorporation · NEWINC
Owner dependency
Material founder dependency. Consider a 2-3 year earn-out and build in a handover plan before completion.
- +Sole director: Only one active director — all governance concentrated on one person.
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
2 active beneficial owners| Name | Shares | Voting rights | Nature of control | Notified |
|---|---|---|---|---|
Mrs Hayley Galstaun Individual · British · DOB 01/1989 · age 37 | 25–50% | — | 25-50% shares | 24/01/2026 |
Mr Daniel Nigel Marcar Galstaun Individual · British · DOB 07/1985 · age 41 | 25–50% | 25–50% | board control25-50% shares · 25-50% voting · board control | 11/01/2023 |
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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|---|---|---|---|---|---|---|---|
| FULCRUM INSURED EMPLOYEE BENEFITS LIMITED→ SC335390 · est 2007 | — | — | £89.8k | — | 18y | 82 | 65y |
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| DENIS O. BROWN & ASSOCIATES LIMITED→ SC046416 · est 1969 · no financials extracted | — | — | — | — | 57y | — | — |
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| ROZELLE MORTGAGES LTD→ SC794111 · est 2024 · no financials extracted | — | — | — | — | 2y | — | — |
| RUKWA LIMITED→ SC579090 · est 2017 · no financials extracted | — | — | — | — | 8y | — | — |
| RUSSEL + AITKEN NOMINEES LIMITED→ SC052053 · est 1972 · no financials extracted | — | — | — | — | 53y | — | — |
| RUSSELL MORTGAGES LTD→ SC579313 · est 2017 · no financials extracted | — | — | — | — | 8y | — | — |
| SAFE STAY REGISTERED LTD→ SC811573 · est 2024 · no financials extracted | — | — | — | — | 1y | — | — |
| SECURE MORTGAGES AND PROTECTION LTD→ SC636756 · est 2019 · no financials extracted | — | — | — | — | 6y | — | — |
| SEVEN STARS ACCOUNTANTS LTD→ SC589836 · est 2018 · no financials extracted | — | — | — | — | 8y | — | — |
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.