21ST CENTURY LIVING LIMITED
🌳Matureactive
07846858 · ltd · incorporated 2011-11-14
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.
Opportunity decay
approaching window · 12-months
Approaching a transaction window — refinance or sale event plausible in the next 12 months.
- · Oldest live charge 13.8y old — refinance window within 12 months
🔒Estimated value
—
Upgrade to see
Turnover
—
year to Mar 2025
Net worth
£25.2k
book net assets
Opportunity
76/100
Strong
What this business does
Primary activity: Other letting and operating of own or leased real estate
Sector: Real estate
Investor take
PursueProperty-backed borrower with a 68-year-old founder — textbook succession opportunity.
Opportunity 76/100 (strong), bankability 65/100. Strong seller-intent signal (63/100, director aged 68). Share purchase looks the cleaner deal structure. Most likely exit: share sale to pe / searcher (65/100).
🏦
Refinance opportunity
7 live charges · 2 lenders · oldest 13.8y
70/100
ready
Refinance conversation should be productive — structure clean and timing right.
- · Oldest live charge is 13.8 years old — likely at or near maturity.
- · Two lenders — manageable, but coordination required.
- · Legal-friction score 15/100 — clean.
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
7 charges (7/7 with lender, 7/7 with type)
90
Directors & officers
5 officers (4 active, 5 linked, 5 with DOB)
90
Ownership & PSC
2 active PSC(s) of 2 total, 2 with control declared
90
Director network
6 connected companies via shared directors
63
Filing history
51 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
76/100Strong
PassWatchWorth a lookStrongExceptional
Solid opportunity signal. Worth a dedicated memo and management meeting.
Business quality
60
Adequate — check latest filings for context.
Acquirability
75
Strong succession / seller-readiness signals.
Risk profile
82
Few red flags.
Signal strength
100
Good data coverage for analysis.
Signals from accounts
Derived from iXBRL accounts · FRS 102Positive net assets
Net assets £25,186
Key financials
2 years extracted from filed iXBRL accountsCash
£7k
Net Worth
£25k
↑ 12556% YoY
Current Assets
£12k
~ YoY
Current Liabilities
—
Hover to see exact values · click legend to toggle series
Financials
Extracted from Companies House accounts · FRS 102| Metric | 2025-03-31 | 2024-03-31 |
|---|---|---|
| Total assets | £587.7k | £545.7k |
| Current assets | £11.7k | £11.7k |
| Cash | £6.7k | — |
| Debtors | £5.0k | — |
| Net assets | £25.2k | £199 |
Amounts extracted automatically from iXBRL. Fields left blank were not reported or not mapped. Values in GBP unless stated.
🔒Filing-note intelligence
3 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
Last 30 days
0
filings
Last 90 days
0
filings
Last 180 days
1
filing
- • 1 accounts
Counts from Companies House filing history.
Corporate timeline (31 events)Click to expand
- 2026-02-25📄accounts-with-accounts-type-total-exemption-fullaccounts · AA
- 2025-11-17📄appoint-person-director-company-with-name-dateofficers · AP01
- 2025-11-17📄termination-director-company-with-name-termination-dateofficers · TM01
- 2025-11-15➕THOMAS, Ieuan Sam appointeddirector
- 2025-11-15➖THOMAS, Dorothy resigneddirector
- 2024-12-30📄accounts-with-accounts-type-micro-entityaccounts · AA
- 2024-09-23📄change-person-director-company-with-change-dateofficers · CH01
- 2024-09-23📄change-to-a-person-with-significant-controlpersons-with-significant-control · PSC04
- 2023-12-23📄accounts-with-accounts-type-micro-entityaccounts · AA
- 2022-12-23📄accounts-with-accounts-type-micro-entityaccounts · AA
- 2021-12-23📄accounts-with-accounts-type-micro-entityaccounts · AA
- 2020-12-24📄accounts-with-accounts-type-micro-entityaccounts · AA
- 2020-11-16📄change-person-director-company-with-change-dateofficers · CH01
- 2020-11-16📄change-to-a-person-with-significant-controlpersons-with-significant-control · PSC04
- 2020-11-16📄change-person-director-company-with-change-dateofficers · CH01
- 2020-11-16📄change-person-director-company-with-change-dateofficers · CH01
- 2020-11-16📄change-person-director-company-with-change-dateofficers · CH01
- 2019-12-29📄accounts-with-accounts-type-micro-entityaccounts · AA
- 2018-12-29📄accounts-with-accounts-type-micro-entityaccounts · AA
- 2014-04-25🔒Charge registered #7Lender: Joanne Thomas
- 2014-04-25🔒Charge registered #6Lender: Joanne Thomas
- 2013-11-18🔒Charge registered #5Lender: Lloyds Tsb Bank PLC
- 2013-04-04🔒Charge registered #4Lender: Lloyds Tsb Bank PLC
- 2013-02-08🔒Charge registered #3Lender: Lloyds Tsb Bank PLC
- 2013-02-05🔒Charge registered #2Lender: Lloyds Tsb Bank PLC
- 2012-09-07➕DOUGHTY, Robert Paul appointeddirector
- 2012-09-07➕THOMAS, Dorothy appointeddirector
- 2012-09-07🔒Charge registered #1Lender: Joanne Thomas
- 2011-11-14🏢Company incorporatedAs 21ST CENTURY LIVING LIMITED
- 2011-11-14➕DOUGHTY, Jacqueline Susan appointeddirector
- 2011-11-14➕THOMAS, Joanne appointeddirector
Owner dependency
63/100
High — earn-out structure requiredMaterial founder dependency. Consider a 2-3 year earn-out and build in a handover plan before completion.
FACTORS
- -4 active directors: Broader management team in place — suggests transferable governance.
- +Founder age: Director aged approximately 68 — succession pressure is live.
- +Family involvement: Multiple officers share a surname — likely family business, which concentrates governance.
Succession & seller-readiness
63/100
Strong succession signalMultiple signals suggest succession is on the horizon. Candidate for proactive outreach.
SIGNALS
- primaryFounder aged 63+: Senior director is approximately 68. Approaching typical UK retirement age — succession thinking likely.
- 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
1 low7 live charges
lowHeavily leveraged with multiple live security positions — understand the capital structure before proceeding.
Shareholders & ownership
2 active beneficial owners| Name | Shares | Voting rights | Nature of control | Notified |
|---|---|---|---|---|
Mrs Jacqueline Susan Doughty Individual · British · DOB 02/1958 · age 68 | 25–50% | — | 25-50% shares | 06/04/2016 |
Ms Joanne Thomas Individual · British · DOB 04/1970 · age 56 | 25–50% | — | 25-50% shares | 06/04/2016 |
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 · CM postcode area| Company | Est. value | Turnover | Net worth | Staff | Age | Opp | Director |
|---|---|---|---|---|---|---|---|
| 50 BROAD STREET LTD→ 15061912 · est 2023 · no financials extracted | — | — | — | — | 2y | — | — |
| 6APART LIMITED→ 12317262 · est 2019 · no financials extracted | — | — | — | — | 6y | — | — |
| 7 ACRES STABLES LTD→ 12804620 · est 2020 · no financials extracted | — | — | — | — | 5y | — | — |
| 73 LOWER BETHESDA ST. LIMITED→ 16760919 · est 2025 · no financials extracted | — | — | — | — | — | — | — |
| 90C BROOMFIELD ROAD LIMITED→ 10659449 · est 2017 · no financials extracted | — | — | — | — | 9y | — | — |
| 94 CHURCH ROAD RICHMOND LIMITED→ 04161877 · est 2001 · no financials extracted | — | — | — | — | 25y | — | — |
| A1 INVESTORS LTD→ 16128483 · est 2024 · no financials extracted | — | — | — | — | 1y | — | — |
| A1 LETTINGS LIMITED→ 06819408 · est 2009 · no financials extracted | — | — | — | — | 17y | — | — |
| AA&G INVESTMENTS LTD→ 14083163 · est 2022 · no financials extracted | — | — | — | — | 3y | — | — |
| AAKHAN & SONS LTD→ 07262661 · est 2010 · no financials extracted | — | — | — | — | 15y | — | — |
| AAOA REAL ESTATE LTD→ 16440173 · est 2025 · no financials extracted | — | — | — | — | — | — | — |
| AARTHI ASSOCIATES LTD→ 16684708 · est 2025 · no financials extracted | — | — | — | — | — | — | — |
Peers ranked by estimated value, then turnover, then opportunity score.See all →
🔒Tailored diligence questions
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 →🔒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
Incorporated2011-11-14
Jurisdictionengland-wales
Primary SIC68209 — Other letting and operating of own or leased real estate
Registered office
108 Sandford Road
Sandford Road
Chelmsford
Essex
CM2 6DH
Filing status
Accounts
Next due: 2026-12-31
Last made up to: 2025-03-31
Confirmation statement
Next due: 2026-11-28
Last: 2025-11-14
Officers (4 active · 1 resigned)
DOUGHTY, Jacqueline Susan→
Activedirector · ~68y · appointed 2011-11-14
View their other companies + combined net worth →
DOUGHTY, Robert Paul→
Activedirector · ~67y · appointed 2012-09-07
View their other companies + combined net worth →
THOMAS, Ieuan Sam→
Activedirector · ~26y · appointed 2025-11-15
View their other companies + combined net worth →
THOMAS, Joanne→
Activedirector · ~56y · appointed 2011-11-14
View their other companies + combined net worth →
THOMAS, Dorothy→
Resigneddirector · ~82y · appointed 2012-09-07 · resigned 2025-11-15
Click a director name to see their full track record across all companies.
Mortgages & charges
7
Total charges
7
Outstanding
2
Active lenders
Status:Lender:7 of 7 shown
| Type | Properties | |||||
|---|---|---|---|---|---|---|
| outstanding | Joanne Thomas | A registered charge | 1 property | 25/04/2014 | — | |
| outstanding | Joanne Thomas | A registered charge | 1 property | 25/04/2014 | — | |
| outstanding | Lloyds Banking Group Lloyds Tsb Bank PLC | A registered charge | 1 property | 18/11/2013 | — | |
| outstanding | Lloyds Banking Group Lloyds Tsb Bank PLC | Mortgage deed | 1 property | 04/04/2013 | — | |
| outstanding | Lloyds Banking Group Lloyds Tsb Bank PLC | Mortgage deed | 1 property | 08/02/2013 | — | |
| outstanding | Lloyds Banking Group Lloyds Tsb Bank PLC | Debenture | 1 property | 05/02/2013 | — | |
| outstanding | Joanne Thomas | Legal mortgage and fixed charge | 1 property | 07/09/2012 | — |
Click column headers to sort. Use filters above to narrow by status and lender.
Recent filings (51 total)
accounts-with-accounts-type-total-exemption-full
accounts · AA
2026-02-25
appoint-person-director-company-with-name-date
officers · AP01
2025-11-17
confirmation-statement-with-updates
confirmation-statement · CS01
2025-11-17
termination-director-company-with-name-termination-date
officers · TM01
2025-11-17
accounts-with-accounts-type-micro-entity
accounts · AA
2024-12-30
confirmation-statement-with-no-updates
confirmation-statement · CS01
2024-11-19
change-person-director-company-with-change-date
officers · CH01
2024-09-23
change-to-a-person-with-significant-control
persons-with-significant-control · PSC04
2024-09-23
accounts-with-accounts-type-micro-entity
accounts · AA
2023-12-23
confirmation-statement-with-no-updates
confirmation-statement · CS01
2023-11-15
accounts-with-accounts-type-micro-entity
accounts · AA
2022-12-23
confirmation-statement-with-no-updates
confirmation-statement · CS01
2022-11-14
accounts-with-accounts-type-micro-entity
accounts · AA
2021-12-23
confirmation-statement-with-no-updates
confirmation-statement · CS01
2021-11-22
accounts-with-accounts-type-micro-entity
accounts · AA
2020-12-24