21ST CENTURY BUILDING SERVICES LTD.
- · Oldest live charge 15.1y old — refinance window within 12 months
- 43390Other building completion and finishing
Opportunity 78/100 (strong), bankability 75/100. Strong seller-intent signal (68/100, director aged 40). Share purchase looks the cleaner deal structure. Biggest value-creation lever: Discharge stale live charges. 1 live charge(s) created 15+ years ago — likely paid but undischarged. Clean register. Most likely exit: share sale to pe / searcher (58/100).
Refinance opportunity
3 live charges · 2 lenders · oldest 15.1y
Refinance viable after a tidy-up — address the highlighted items first.
- · Oldest live charge is 15.1 years old — likely at or near maturity.
- · Two lenders — manageable, but coordination required.
- · Legal-friction score 33/100 — workable, but lender will want more DD.
Data confidence
Overall: medium (79/100)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 · FRS 102Key financials
2 years extracted from filed iXBRL accountsHover to see exact values · click legend to toggle series
Financials
Extracted from Companies House accounts · FRS 102| Metric | 2025-05-31 | 2024-05-31 |
|---|---|---|
| Total assets | £719.2k | £1.26M |
| Current assets | £2.61M | £3.56M |
| Cash | £504.4k | £400.3k |
| Debtors | £2.11M | £3.16M |
| Net assets | £515.5k | £895.0k |
Amounts extracted automatically from iXBRL. Fields left blank were not reported or not mapped. Values in GBP unless stated.
2 signals 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
Corporate timeline (38 events)Click to expand
- 2026-02-26📄accounts-with-accounts-type-total-exemption-fullaccounts · AA
- 2025-01-10📄capital-cancellation-sharescapital · SH06
- 2025-01-10📄capital-return-purchase-own-sharescapital · SH03
- 2025-01-03📄appoint-person-director-company-with-name-dateofficers · AP01
- 2025-01-03📄termination-secretary-company-with-name-termination-dateofficers · TM02
- 2025-01-02➕ZAMMIT, Chloe Ellen appointeddirector
- 2025-01-02➖ZAMMIT, Anthony resignedsecretary
- 2024-11-26📄accounts-with-accounts-type-total-exemption-fullaccounts · AA
- 2024-11-21📄termination-director-company-with-name-termination-dateofficers · TM01
- 2024-11-21📄termination-director-company-with-name-termination-dateofficers · TM01
- 2024-11-21📄change-to-a-person-with-significant-controlpersons-with-significant-control · PSC04
- 2024-11-21📄cessation-of-a-person-with-significant-controlpersons-with-significant-control · PSC07
- 2024-11-21📄cessation-of-a-person-with-significant-controlpersons-with-significant-control · PSC07
- 2024-10-29➖ZAMMIT, Annetta Maria resigneddirector
- 2024-10-29➖ZAMMIT, Anthony resigneddirector
- 2024-01-17📄accounts-with-accounts-type-total-exemption-fullaccounts · AA
- 2023-02-28📄accounts-with-accounts-type-total-exemption-fullaccounts · AA
- 2022-03-23📄accounts-with-accounts-type-total-exemption-fullaccounts · AA
- 2020-12-07📄accounts-with-accounts-type-total-exemption-fullaccounts · AA
- 2020-11-23📄change-person-director-company-with-change-dateofficers · CH01
- 2020-11-23📄change-person-director-company-with-change-dateofficers · CH01
- 2020-11-23📄change-person-director-company-with-change-dateofficers · CH01
- 2020-11-23📄change-to-a-person-with-significant-controlpersons-with-significant-control · PSC04
- 2020-11-23📄change-to-a-person-with-significant-controlpersons-with-significant-control · PSC04
- 2016-07-05🔓Charge satisfied #3
- 2016-07-05🔓Charge satisfied #2
- 2014-01-03🔒Charge registered #3Lender: Lloyds Bank PLC
- 2011-04-26🔒Charge registered #2Lender: Lloyds Tsb Bank PLC
- 2011-04-04🔒Charge registered #1Lender: Lloyds Tsb Bank PLC
- 2011-04-01➕ZAMMIT, Carl Anthony appointeddirector
- 2001-05-29➕ZAMMIT, Anthony appointeddirector
- 2000-05-26🏢Company incorporatedAs 21ST CENTURY BUILDING SERVICES LTD.
- 2000-05-26➕ZAMMIT, Anthony appointedsecretary
- 2000-05-26➕PARAMOUNT COMPANY SEARCHES LIMITED appointedcorporate-nominee-secretary
- 2000-05-26➖PARAMOUNT COMPANY SEARCHES LIMITED resignedcorporate-nominee-secretary
- 2000-05-26➕ZAMMIT, Annetta Maria appointeddirector
- 2000-05-26➕PARAMOUNT PROPERTIES (UK) LIMITED appointedcorporate-nominee-director
- 2000-05-26➖PARAMOUNT PROPERTIES (UK) LIMITED resignedcorporate-nominee-director
Owner dependency
Material founder dependency. Consider a 2-3 year earn-out and build in a handover plan before completion.
- +Two-director setup: Only two active directors — typical of owner-managed SMEs but limits succession.
- +Long-tenure founder: Senior director has been in place 15 years — deep operational knowledge concentrated in one person.
- +Family involvement: Multiple officers share a surname — likely family business, which concentrates governance.
Succession & seller-readiness
Some succession indicators present. Worth watching; approach if sector/strategy fits.
- secondaryTwo-director governance: Small-team governance. Succession depth is thin but not absent.
- secondary12+ year tenure: Director in role 15 years.
- supportingClean filings + long tenure: Disciplined long-tenure operator — classic lifestyle-business pattern that often sells quietly.
Red flags
cleanShareholders & ownership
1 active beneficial owner · dominant holder ≥75%| Name | Shares | Voting rights | Nature of control | Notified |
|---|---|---|---|---|
Mr Carl Anthony Zammit Individual · British · DOB 02/1986 · age 40 | 75–100% | 75–100% | 75-100% shares · 75-100% voting | 06/04/2016 |
2 historic (ceased) PSCs
- Mrs Annetta Maria Zammitceased 29/10/2024· 25-50% shares
- Mr Anthony Zammitceased 29/10/2024· 25-50% shares
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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6 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 (2 active · 5 resigned)
Click a director name to see their full track record across all companies.
Mortgages & charges
| Type | Properties | |||||
|---|---|---|---|---|---|---|
| satisfied | Lloyds Banking Group Lloyds Bank PLC | A registered charge | 1 property | 03/01/2014 | 05/07/2016 | |
| satisfied | Lloyds Banking Group Lloyds Tsb Bank PLC | Mortgage | 1 property | 26/04/2011 | 05/07/2016 | |
| outstanding | Lloyds Banking Group Lloyds Tsb Bank PLC | Debenture | 1 property | 04/04/2011 | — |