JUST FINANCIAL HOLDINGS LTD
🌿Early-stageactive
SC780836 · ltd · incorporated 2023-08-30
Investment thesis
Growth-phase business — story-led; valuation sensitive to momentum.
Why interesting: Trading is scaling; acquirers paying for trajectory get disproportionate leverage.
Why risky: Price often leads fundamentals; dependency on founder often high.
🔒Estimated value
—
Upgrade to see
Turnover
—
year to Jan 2025
Net worth
£-878
book net assets
Opportunity
70/100
Strong
What this business does
Primary activity: Activities of financial services holding companies
Sector: Financial & insurance
Investor take
Pass (distressed without resilience)Distressed asset-holding vehicle — structural issues outweigh the discount.
Opportunity 70/100 (strong), bankability 70/100. Share purchase looks the cleaner deal structure. Most likely exit: distressed disposal / insolvency (65/100).
Data confidence
Overall: high (82/100)Strong data coverage across all sections. AI outputs should be trusted with minimal caveats.
Company profile
address, 1 SIC codes, incorporation date
100
Financials
2 years of iXBRL accounts extracted (YoY deltas available) + narrative notes parsed
75
Lenders & charges
Confirmed no charges registered
85
Directors & officers
4 officers (4 active, 4 linked, 4 with DOB)
90
Ownership & PSC
1 active PSC(s) of 2 total, 2 with control declared
90
Director network
10 connected companies via shared directors
75
Filing history
12 filings on record
85
Gazette notices
No matching gazette notices (standard for active companies)
60
Opportunity Score
70/100Strong
PassWatchWorth a lookStrongExceptional
Solid opportunity signal. Worth a dedicated memo and management meeting.
Business quality
60
Adequate — check latest filings for context.
Acquirability
50
Some acquirability indicators.
Risk profile
85
Few red flags.
Signal strength
90
Good data coverage for analysis.
Signals from accounts
Derived from iXBRL accounts · accounting standard not declaredNegative net assets
Liabilities exceed assets by £878
Cash YoY
+17983%
Year on year
Key financials
2 years extracted from filed iXBRL accountsCash
£18k
↑ 17983% YoY
Net Worth
-£878
↑ 18% YoY
Current Assets
—
Current Liabilities
—
Hover 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 | £847.5k | £-1.1k |
| Cash | £18.1k | £100 |
| Net assets | £-878 | £-1.1k |
Amounts extracted automatically from iXBRL. Fields left blank were not reported or not mapped. Values in GBP unless stated.
🔒Filing-note intelligence
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
Last 30 days
1
filing
- • 1 officers
Last 90 days
2
filings
- • 1 officers
- • 1 confirmation-statement
Last 180 days
3
filings
- • 1 officers
- • 1 confirmation-statement
- • 1 accounts
Counts from Companies House filing history.
Corporate timeline (13 events)Click to expand
- 2026-04-09📄appoint-person-director-company-with-name-dateofficers · AP01
- 2026-03-18➕ARMSTRONG, Nicole appointeddirector
- 2025-10-27📄accounts-with-accounts-type-total-exemption-fullaccounts · AA
- 2024-10-29📄accounts-with-accounts-type-total-exemption-fullaccounts · AA
- 2024-10-22📄cessation-of-a-person-with-significant-controlpersons-with-significant-control · PSC07
- 2024-10-22📄change-to-a-person-with-significant-controlpersons-with-significant-control · PSC04
- 2023-11-20📄capital-allotment-sharescapital · SH01
- 2023-08-31📄change-account-reference-date-company-current-shortenedaccounts · AA01
- 2023-08-30🏢Company incorporatedAs JUST FINANCIAL HOLDINGS LTD
- 2023-08-30➕CHANDAN, Dhawal Vasant appointeddirector
- 2023-08-30➕PARPIA, Al-Karim Sarfaraz appointeddirector
- 2023-08-30➕WATT, Gary Anthony appointeddirector
- 2023-08-30📄incorporation-companyincorporation · NEWINC
Owner dependency
45/100
Moderate — manageable with handoverSome founder dependency, but not acute. A structured handover period should cover most risk.
FACTORS
- -4 active directors: Broader management team in place — suggests transferable governance.
- +Young company: Only 2.7 years old — management layer unlikely to be developed.
Succession & seller-readiness
30/100
Weak signalLimited succession signal. Not a near-term off-market candidate.
Red flags
cleanNo red flags detected from available public data. (This is not a clean bill of health — detailed accounts review still recommended.)
Shareholders & ownership
1 active beneficial owner · dominant holder ≥75%| Name | Shares | Voting rights | Nature of control | Notified |
|---|---|---|---|---|
Mr Al-Karim Sarfaraz Parpia Individual · British · DOB 09/1983 · age 43 | 75–100% | 75–100% | board control75-100% shares · 75-100% voting · board control | 30/08/2023 |
1 historic (ceased) PSC
- Mr Dhawal Vasant Chandanceased 18/10/2024· 25-50% shares · 25-50% voting
From Companies House Persons with Significant Control filings. Share ranges are banded per the public PSC regime.
🔒Co-director network graph
Radial SVG graph showing every company connected via shared directors, colour-coded by status.
Available from the Pro tier upwards.
See pricing →Similar companies
Active · Holding company · G postcode area| Company | Est. value | Turnover | Net worth | Staff | Age | Opp | Director |
|---|---|---|---|---|---|---|---|
| ASSETMAX HOLDINGSPRO LTD→ SC765515 · est 2023 · no financials extracted | — | — | — | — | 3y | — | — |
| ATOM PROPERTY SCOT LTD→ SC881782 · est 2026 · no financials extracted | — | — | — | — | — | — | — |
| ATOMIC10 HOLDINGS LTD→ SC776883 · est 2023 · no financials extracted | — | — | — | — | 2y | — | — |
| AURELIUS LTD→ SC731919 · est 2022 · no financials extracted | — | — | — | — | 3y | — | — |
| AVIDITY GROUP ACQUISITIONS LIMITED→ SC513445 · est 2015 · no financials extracted | — | — | — | — | 10y | — | — |
| AVIEMORE KART RACEWAY HOLDINGS LIMITED→ SC685465 · est 2021 · no financials extracted | — | — | — | — | 5y | — | — |
| AYMA GROUP LTD→ SC606246 · est 2018 · no financials extracted | — | — | — | — | 7y | — | — |
| BACC LIMITED→ SC850983 · est 2025 · no financials extracted | — | — | — | — | — | — | — |
| BAFA HOLDINGS LTD→ SC848463 · est 2025 · no financials extracted | — | — | — | — | — | — | — |
| BAKE HOLDING LTD→ SC769556 · est 2023 · no financials extracted | — | — | — | — | 2y | — | — |
| BAKERSON PROPERTY LTD→ SC770212 · est 2023 · no financials extracted | — | — | — | — | 2y | — | — |
| BALDERNOCK COMMUNITY DEVELOPMENT TRUST→ SC455704 · est 2013 · no financials extracted | — | — | — | — | 12y | — | — |
Peers ranked by estimated value, then turnover, then opportunity score.See all →
🔒Tailored diligence questions
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 →🔒Advanced scoring suite
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
Statusactive
Typeltd
Incorporated2023-08-30
Jurisdictionscotland
Primary SIC64205 — Activities of financial services holding companies
Registered office
200 Bath Street
Glasgow
Lanarkshire
G2 4HG
Scotland
Filing status
Accounts
Next due: 2026-10-31
Last made up to: 2025-01-31
Confirmation statement
Next due: 2027-03-10
Last: 2026-02-24
Officers (4 active · 0 resigned)
ARMSTRONG, Nicole→
Activedirector · ~43y · appointed 2026-03-18
View their other companies + combined net worth →
CHANDAN, Dhawal Vasant→
Activedirector · ~46y · appointed 2023-08-30
View their other companies + combined net worth →
PARPIA, Al-Karim Sarfaraz→
Activedirector · ~43y · appointed 2023-08-30
View their other companies + combined net worth →
WATT, Gary Anthony→
Activedirector · ~48y · appointed 2023-08-30
View their other companies + combined net worth →
Click a director name to see their full track record across all companies.
Recent filings (12 total)
appoint-person-director-company-with-name-date
officers · AP01
2026-04-09
confirmation-statement-with-updates
confirmation-statement · CS01
2026-02-25
accounts-with-accounts-type-total-exemption-full
accounts · AA
2025-10-27
confirmation-statement-with-updates
confirmation-statement · CS01
2025-10-22
accounts-with-accounts-type-total-exemption-full
accounts · AA
2024-10-29
confirmation-statement-with-updates
confirmation-statement · CS01
2024-10-22
cessation-of-a-person-with-significant-control
persons-with-significant-control · PSC07
2024-10-22
change-to-a-person-with-significant-control
persons-with-significant-control · PSC04
2024-10-22
confirmation-statement-with-updates
confirmation-statement · CS01
2023-11-21
capital-allotment-shares
capital · SH01
2023-11-20
change-account-reference-date-company-current-shortened
accounts · AA01
2023-08-31
incorporation-company
incorporation · NEWINC
2023-08-30