21ST CENTURY HOUSING LIMITED
🌳Matureactive
04416950 · ltd · incorporated 2002-04-15
Investment thesis
Property vehicle with leveraged stack — refinance / partial-release angle.
Why interesting: Asset-backed; value largely in underlying property; lender engagement likely possible.
Why risky: Multiple lenders to manage; inter-creditor friction and partial-release cost possible.
🔒Estimated value
—
Upgrade to see
Turnover
—
year to May 2025
Net worth
£516.2k
book net assets
Opportunity
69/100
Strong
What this business does
Primary activity: Other letting and operating of own or leased real estate
Sector: Real estate
Investor take
Special-situation opportunityDistressed property with salvageable qualities — special-situations priority.
Opportunity 69/100 (strong), bankability 47/100. Strong seller-intent signal (78/100, director aged 76). Asset purchase likely safer than share purchase given structural signals. Biggest value-creation lever: Consolidate lender relationships. 4 distinct lenders creates friction — refinance into single-lender structure for cleaner diligence. Most likely exit: share sale to pe / searcher (45/100).
🏦
Refinance opportunity
22 live charges · 4 lenders · oldest 19.9y
25/100
too messy
Structure is too messy for a clean refinance right now — clean up first or expect bespoke terms.
- · Oldest live charge is 19.9 years old — likely at or near maturity.
- · 4 lenders named — inter-creditor friction likely.
- · Legal-friction score 50/100 (high).
Data confidence
Overall: high (81/100)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
22 charges (22/22 with lender, 22/22 with type)
90
Directors & officers
8 officers (3 active, 8 linked, 5 with DOB)
83
Ownership & PSC
1 active PSC(s) of 2 total, 2 with control declared
90
Director network
7 connected companies via shared directors
66
Filing history
96 filings on record
85
Gazette notices
No matching gazette notices (standard for active companies)
60
🔒Estimated company valuation
Sector-multiple EBITDA, turnover, and NAV-proxy valuation range with confidence tier — derived from extracted iXBRL financials.
Available from the Pro tier upwards.
See pricing →Opportunity Score
69/100Strong
PassWatchWorth a lookStrongExceptional
Solid opportunity signal. Worth a dedicated memo and management meeting.
Business quality
50
Adequate — check latest filings for context.
Acquirability
80
Strong succession / seller-readiness signals.
Risk profile
64
Some moderate concerns — review flags.
Signal strength
100
Good data coverage for analysis.
Signals from accounts
Derived from iXBRL accounts · FRS 102Positive net assets
Net assets £516,185
Cash YoY
+43%
Year on year
Key financials
2 years extracted from filed iXBRL accountsCash
£56k
↑ 43% YoY
Net Worth
£516k
↑ 6.8% YoY
Current Assets
£59k
↑ 34% YoY
Current Liabilities
—
Hover 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 | £1.51M | £1.50M |
| Current assets | £58.9k | £44.0k |
| Cash | £56.3k | £39.3k |
| Debtors | £2.6k | £4.8k |
| Net assets | £516.2k | £483.5k |
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
0
filings
Last 90 days
0
filings
Last 180 days
1
filing
- • 1 officers
Counts from Companies House filing history.
Corporate timeline (53 events)Click to expand
- 2026-02-19📄change-person-director-company-with-change-dateofficers · CH01
- 2025-11-14📄change-to-a-person-with-significant-controlpersons-with-significant-control · PSC04
- 2025-11-10📄change-person-director-company-with-change-dateofficers · CH01
- 2025-11-10📄change-person-secretary-company-with-change-dateofficers · CH03
- 2025-10-06📄accounts-with-accounts-type-total-exemption-fullaccounts · AA
- 2024-11-19📄cessation-of-a-person-with-significant-controlpersons-with-significant-control · PSC07
- 2024-11-19📄notification-of-a-person-with-significant-controlpersons-with-significant-control · PSC01
- 2024-10-10📄change-to-a-person-with-significant-control-without-name-datepersons-with-significant-control · PSC04
- 2024-09-30📄accounts-with-accounts-type-total-exemption-fullaccounts · AA
- 2024-04-16📄change-to-a-person-with-significant-controlpersons-with-significant-control · PSC04
- 2023-10-13📄accounts-with-accounts-type-total-exemption-fullaccounts · AA
- 2022-11-02📄accounts-with-accounts-type-total-exemption-fullaccounts · AA
- 2021-08-18📄accounts-with-accounts-type-total-exemption-fullaccounts · AA
- 2020-10-22📄accounts-with-accounts-type-total-exemption-fullaccounts · AA
- 2020-03-12📄mortgage-create-with-deed-with-charge-number-charge-creation-datemortgage · MR01
- 2020-03-03🔒Charge registered #22Lender: Lloyds Bank PLC
- 2019-12-20📄accounts-with-accounts-type-total-exemption-fullaccounts · AA
- 2018-11-27📄accounts-with-accounts-type-total-exemption-fullaccounts · AA
- 2016-02-11🔒Charge registered #21Lender: Lloyds Bank PLC
- 2010-09-10🔒Charge registered #20Lender: Lloyds Tsb Bank PLC
- 2008-01-17🔒Charge registered #19Lender: Lloyds Tsb Bank PLC
- 2008-01-17🔒Charge registered #18Lender: Lloyds Tsb Bank PLC
- 2008-01-17🔒Charge registered #17Lender: Lloyds Tsb Bank PLC
- 2008-01-17🔒Charge registered #16Lender: Lloyds Tsb Bank PLC
- 2008-01-17🔒Charge registered #15Lender: Lloyds Tsb Bank PLC
- 2008-01-17🔒Charge registered #14Lender: Lloyds Tsb Bank PLC
- 2008-01-17🔒Charge registered #13Lender: Lloyds Tsb Bank PLC
- 2008-01-17🔒Charge registered #12Lender: Lloyds Tsb Bank PLC
- 2008-01-17🔒Charge registered #11Lender: Lloyds Tsb Bank PLC
- 2008-01-17🔒Charge registered #10Lender: Lloyds Tsb Bank PLC
- 2008-01-17🔒Charge registered #9Lender: Lloyds Tsb Bank PLC
- 2008-01-17🔒Charge registered #8Lender: Lloyds Tsb Bank PLC
- 2008-01-17🔒Charge registered #7Lender: Lloyds Tsb Bank PLC
- 2008-01-17🔒Charge registered #6Lender: Lloyds Tsb Bank PLC
- 2008-01-17🔒Charge registered #5Lender: Lloyds Tsb Bank PLC
- 2008-01-17🔒Charge registered #4Lender: Lloyds Tsb Bank PLC
- 2008-01-10🔒Charge registered #3Lender: Lloyds Tsb Bank PLC
- 2007-07-23➕SANDHU, Jasbir Singh appointedsecretary
- 2007-07-23➖ODEDRA, Khima resignedsecretary
- 2007-07-23➖ODEDRA, Khima resigneddirector
- 2006-11-06🔒Charge registered #2Lender: Clydesdale Bank PLC T/a Yorkshire Bank
- 2006-07-11🔒Charge registered #1Lender: Clydesdale Bank Public Limited Company
- 2006-04-07➕CHOHAN, Kashmir Singh appointeddirector
- 2006-04-07➕SANDHU, Jasbir Singh appointeddirector
- 2006-04-07➖SINGH, Jora resigneddirector
- 2002-04-15🏢Company incorporatedAs 21ST CENTURY HOUSING LIMITED
- 2002-04-15➕BREWER, Suzanne appointednominee-secretary
- 2002-04-15➖BREWER, Suzanne resignednominee-secretary
- 2002-04-15➕ODEDRA, Khima appointedsecretary
- 2002-04-15➕BREWER, Kevin, Dr appointednominee-director
Showing most recent 50 of 53 events
Owner dependency
83/100
Critical — business is the founderThe business appears inseparable from the founder. Acquisition without a serious earn-out or meaningful transition period would likely destroy value.
FACTORS
- +Two-director setup: Only two active directors — typical of owner-managed SMEs but limits succession.
- +Long-tenure founder: Senior director has been in place 20 years — deep operational knowledge concentrated in one person.
- +Founder age: Director aged approximately 76 — succession pressure is live.
Succession & seller-readiness
91/100
Likely off-market candidateStrong acquirability signals converging. Worth approaching directly — this is how off-market deals start.
SIGNALS
- primaryFounder aged 70+: Senior director is approximately 76 years old. Natural succession window is now.
- secondaryTwo-director governance: Small-team governance. Succession depth is thin but not absent.
- primary20+ year tenure: Director in role 20 years. Very long tenure is a classic succession signal.
- secondaryStable-but-static management: Company is 24 years old and no new directors in the last 3 years — succession not yet being planned internally.
Red flags
1 high · 1 lowConfirmation statement overdue
highAnnual confirmation statement not filed on time. Required statutory filing — overdue is a strong discipline signal.
Evidence: Next due: 2026-04-29
22 live charges
lowHeavily leveraged with multiple live security positions — understand the capital structure before proceeding.
Shareholders & ownership
1 active beneficial owner| Name | Shares | Voting rights | Nature of control | Notified |
|---|---|---|---|---|
Mr Kashmir Singh Chohan Individual · British · DOB 12/1966 · age 60 | 25–50% | 25–50% | 25-50% shares · 25-50% voting | 06/04/2016 |
1 historic (ceased) PSC
- Mrs Parmjit Kaur Sandhuceased 06/04/2016· board control
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 · Property · CV postcode area| Company | Est. value | Turnover | Net worth | Staff | Age | Opp | Director |
|---|---|---|---|---|---|---|---|
| 29S PROPERTIES LTD→ 15992155 · est 2024 · no financials extracted | — | — | — | — | 1y | — | — |
| 2M INVESTMENT LIMITED→ 15551659 · est 2024 · no financials extracted | — | — | — | — | 2y | — | — |
| 2M2Y LTD→ 15054449 · est 2023 · no financials extracted | — | — | — | — | 2y | — | — |
| 2S 4B LTD→ 15323364 · est 2023 · no financials extracted | — | — | — | — | 2y | — | — |
| 3G&K LIMITED→ 16733218 · est 2025 · no financials extracted | — | — | — | — | — | — | — |
| 3R BUILDINGS LIMITED→ 12996234 · est 2020 · no financials extracted | — | — | — | — | 5y | — | — |
| 3REPUBLIC LTD→ 15950914 · est 2024 · no financials extracted | — | — | — | — | 1y | — | — |
| 42 BEDFORD STREET LTD→ 16143732 · est 2024 · no financials extracted | — | — | — | — | 1y | — | — |
| 424 PROPERTY LTD→ 14006700 · est 2022 · no financials extracted | — | — | — | — | 4y | — | — |
| 4B ENTERPRISES LIMITED→ 05838960 · est 2006 · no financials extracted | — | — | — | — | 19y | — | — |
| 4MUSKETEERS LIMITED→ 15350079 · est 2023 · no financials extracted | — | — | — | — | 2y | — | — |
| 5 G'S PROPERTY LTD→ 17021226 · est 2026 · no financials extracted | — | — | — | — | — | — | — |
Peers ranked by estimated value, then turnover, then opportunity score.See all →
🔒Tailored diligence questions
9 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
Incorporated2002-04-15
Jurisdictionengland-wales
Primary SIC68209 — Other letting and operating of own or leased real estate
Registered office
16 Binley Road
Coventry
West Midlands
CV3 1HZ
Filing status
Accounts
Next due: 2027-02-28
Last made up to: 2025-05-31
Confirmation statement
Next due: 2026-04-29OVERDUE
Last: 2025-04-15
Officers (3 active · 5 resigned)
SANDHU, Jasbir Singh→
Activesecretary · appointed 2007-07-23
View their other companies + combined net worth →
CHOHAN, Kashmir Singh→
Activedirector · ~60y · appointed 2006-04-07
View their other companies + combined net worth →
SANDHU, Jasbir Singh→
Activedirector · ~76y · appointed 2006-04-07
View their other companies + combined net worth →
BREWER, Suzanne→
Resignednominee-secretary · appointed 2002-04-15 · resigned 2002-04-15
ODEDRA, Khima→
Resignedsecretary · appointed 2002-04-15 · resigned 2007-07-23
BREWER, Kevin, Dr→
Resignednominee-director · ~74y · appointed 2002-04-15 · resigned 2002-04-15
ODEDRA, Khima→
Resigneddirector · ~69y · appointed 2002-04-15 · resigned 2007-07-23
SINGH, Jora→
Resigneddirector · ~60y · appointed 2002-04-15 · resigned 2006-04-07
Click a director name to see their full track record across all companies.
Mortgages & charges
22
Total charges
22
Outstanding
2
Active lenders
Status:Lender:22 of 22 shown
| Type | Properties | |||||
|---|---|---|---|---|---|---|
| outstanding | Lloyds Banking Group Lloyds Bank PLC | A registered charge | 1 property | 03/03/2020 | — | |
| outstanding | Lloyds Banking Group Lloyds Bank PLC | A registered charge | 1 property | 11/02/2016 | — | |
| outstanding | Lloyds Banking Group Lloyds Tsb Bank PLC | Mortgage | 1 property | 10/09/2010 | — | |
| outstanding | Lloyds Banking Group Lloyds Tsb Bank PLC | Mortgage | 1 property | 17/01/2008 | — | |
| outstanding | Lloyds Banking Group Lloyds Tsb Bank PLC | Mortgage | 1 property | 17/01/2008 | — | |
| outstanding | Lloyds Banking Group Lloyds Tsb Bank PLC | Mortgage | 1 property | 17/01/2008 | — | |
| outstanding | Lloyds Banking Group Lloyds Tsb Bank PLC | Mortgage | 1 property | 17/01/2008 | — | |
| outstanding | Lloyds Banking Group Lloyds Tsb Bank PLC | Mortgage | 1 property | 17/01/2008 | — | |
| outstanding | Lloyds Banking Group Lloyds Tsb Bank PLC | Mortgage | 1 property | 17/01/2008 | — | |
| outstanding | Lloyds Banking Group Lloyds Tsb Bank PLC | Mortgage | 1 property | 17/01/2008 | — | |
| outstanding | Lloyds Banking Group Lloyds Tsb Bank PLC | Mortgage | 1 property | 17/01/2008 | — | |
| outstanding | Lloyds Banking Group Lloyds Tsb Bank PLC | Mortgage | 1 property | 17/01/2008 | — | |
| outstanding | Lloyds Banking Group Lloyds Tsb Bank PLC | Mortgage | 1 property | 17/01/2008 | — | |
| outstanding | Lloyds Banking Group Lloyds Tsb Bank PLC | Mortgage | 1 property | 17/01/2008 | — | |
| outstanding | Lloyds Banking Group Lloyds Tsb Bank PLC | Mortgage | 1 property | 17/01/2008 | — | |
| outstanding | Lloyds Banking Group Lloyds Tsb Bank PLC | Mortgage | 1 property | 17/01/2008 | — | |
| outstanding | Lloyds Banking Group Lloyds Tsb Bank PLC | Mortgage | 1 property | 17/01/2008 | — | |
| outstanding | Lloyds Banking Group Lloyds Tsb Bank PLC | Mortgage | 1 property | 17/01/2008 | — | |
| outstanding | Lloyds Banking Group Lloyds Tsb Bank PLC | Mortgage | 1 property | 17/01/2008 | — | |
| outstanding | Lloyds Banking Group Lloyds Tsb Bank PLC | Debenture | 1 property | 10/01/2008 | — | |
| outstanding | Virgin Money Clydesdale Bank PLC T/a Yorkshire Bank | Legal mortgage | 1 property | 06/11/2006 | — | |
| outstanding | Virgin Money Clydesdale Bank Public Limited Company | Debenture | 1 property | 11/07/2006 | — |
Click column headers to sort. Use filters above to narrow by status and lender.
Recent filings (96 total)
change-person-director-company-with-change-date
officers · CH01
2026-02-19
change-to-a-person-with-significant-control
persons-with-significant-control · PSC04
2025-11-14
change-person-director-company-with-change-date
officers · CH01
2025-11-10
change-person-secretary-company-with-change-date
officers · CH03
2025-11-10
accounts-with-accounts-type-total-exemption-full
accounts · AA
2025-10-06
confirmation-statement-with-updates
confirmation-statement · CS01
2025-04-22
cessation-of-a-person-with-significant-control
persons-with-significant-control · PSC07
2024-11-19
notification-of-a-person-with-significant-control
persons-with-significant-control · PSC01
2024-11-19
change-to-a-person-with-significant-control-without-name-date
persons-with-significant-control · PSC04
2024-10-10
accounts-with-accounts-type-total-exemption-full
accounts · AA
2024-09-30
change-to-a-person-with-significant-control
persons-with-significant-control · PSC04
2024-04-16
confirmation-statement-with-no-updates
confirmation-statement · CS01
2024-04-15
accounts-with-accounts-type-total-exemption-full
accounts · AA
2023-10-13
confirmation-statement-with-no-updates
confirmation-statement · CS01
2023-04-21
accounts-with-accounts-type-total-exemption-full
accounts · AA
2022-11-02