4L INVESTMENTS LTD

🌳Matureactive
08724679 · ltd · incorporated 2013-10-09
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 9.5y old — refinance window within 12 months
🔒Estimated value
—
Upgrade to see
Turnover
—
year to Mar 2025
Net worth
£5.5k
book net assets
Opportunity
74/100
Strong
🔔
Follow this company (free)
Email alerts on filings, charges, director changes, gazette notices. No account needed.

Unsubscribe any time from any email. GDPR-respectful.

🔒Generate AI memo →🔒Outreach pack →🔒Corporate story →📑 Reports →Sign in to watch
What this business does
Primary activity: Other letting and operating of own or leased real estate
Sector: Real estate
Investor take
Pursue
Strong opportunity: property-backed borrower with strong profile and bankable structure.

Opportunity 74/100 (strong), bankability 75/100. Share purchase looks the cleaner deal structure. Most likely exit: strategic trade sale (63/100).

🏦

Refinance opportunity

3 live charges · 2 lenders · oldest 9.5y

70/100
ready

Refinance conversation should be productive — structure clean and timing right.

  • · Oldest live charge is 9.5 years old — likely at or near maturity.
  • · Two lenders — manageable, but coordination required.
  • · Legal-friction score 15/100 — clean.

Data confidence

Overall: medium (79/100)

Adequate coverage. AI outputs are reliable for the sections scored high; verify the rest in diligence.

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
3 charges (3/3 with lender, 3/3 with type)
90
Directors & officers
3 officers (3 active, 3 linked, 2 with DOB)
83
Ownership & PSC
2 active PSC(s) of 2 total, 2 with control declared
90
Director network
2 connected companies via shared directors
51
Filing history
41 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
74/100Strong
PassWatchWorth a lookStrongExceptional 

Solid opportunity signal. Worth a dedicated memo and management meeting.

Business quality
70
Active, clean filings, stable charge profile.
Acquirability
50
Some acquirability indicators.
Risk profile
85
Few red flags.
Signal strength
100
Good data coverage for analysis.

Signals from accounts

Derived from iXBRL accounts · accounting standard not declared
Positive net assets
Net assets £5,465
Net assets shrinking
Down £561 YoY

Key financials

2 years extracted from filed iXBRL accounts
Cash
—
Net Worth
£5k
↓ 9.3% YoY
Current Assets
£2k
↓ 98% YoY
Current Liabilities
—
£0£17k£35k£52k£69k£87kMar 2024Mar 2025

Hover to see exact values · click legend to toggle series

Financials

Extracted from Companies House accounts · accounting standard unknown
Metric2025-03-312024-03-31
Total assets£278.7k£98.2k
Current assets£1.9k£86.5k
Net assets£5.5k£6.0k

Amounts extracted automatically from iXBRL. Fields left blank were not reported or not mapped. Values in GBP unless stated.

Recent activity

Last 30 days
0
filings
Last 90 days
0
filings
Last 180 days
0
filings
Counts from Companies House filing history.
Corporate timeline (24 events)Click to expand
  1. 2025-09-29
    📄
    accounts-with-accounts-type-micro-entity
    accounts · AA
  2. 2024-12-03
    📄
    mortgage-create-with-deed-with-charge-number-charge-creation-date
    mortgage · MR01
  3. 2024-11-29
    🔒
    Charge registered #3
    Lender: The Mortgage Works (UK) PLC
  4. 2024-11-28
    📄
    accounts-with-accounts-type-micro-entity
    accounts · AA
  5. 2023-09-22
    📄
    accounts-with-accounts-type-micro-entity
    accounts · AA
  6. 2022-12-06
    📄
    accounts-with-accounts-type-micro-entity
    accounts · AA
  7. 2022-08-02
    📄
    change-to-a-person-with-significant-control
    persons-with-significant-control · PSC04
  8. 2022-08-02
    📄
    change-person-director-company-with-change-date
    officers · CH01
  9. 2022-08-02
    📄
    change-person-secretary-company-with-change-date
    officers · CH03
  10. 2022-07-14
    📄
    change-person-director-company-with-change-date
    officers · CH01
  11. 2022-07-14
    📄
    change-to-a-person-with-significant-control
    persons-with-significant-control · PSC04
  12. 2021-09-21
    📄
    accounts-with-accounts-type-micro-entity
    accounts · AA
  13. 2020-08-27
    📄
    accounts-with-accounts-type-micro-entity
    accounts · AA
  14. 2020-04-08
    📄
    mortgage-create-with-deed-with-charge-number-charge-creation-date
    mortgage · MR01
  15. 2020-03-27
    🔒
    Charge registered #2
    Lender: The Mortgage Works (UK) PLC
  16. 2019-12-12
    📄
    change-person-director-company-with-change-date
    officers · CH01
  17. 2019-12-12
    📄
    change-person-secretary-company-with-change-date
    officers · CH03
  18. 2019-12-12
    📄
    change-to-a-person-with-significant-control
    persons-with-significant-control · PSC04
  19. 2019-08-01
    📄
    accounts-with-accounts-type-micro-entity
    accounts · AA
  20. 2016-11-28
    🔒
    Charge registered #1
    Lender: Fleet Mortgages Limited
  21. 2013-10-09
    🏢
    Company incorporated
    As 4L INVESTMENTS LTD
  22. 2013-10-09
    ➕
    WING HING, Jean-Francois appointed
    secretary
  23. 2013-10-09
    ➕
    PROCTER, James Stuart appointed
    director
  24. 2013-10-09
    ➕
    WING HING, Jean-Francois appointed
    director

Owner dependency

58/100
Moderate — manageable with handover

Some founder dependency, but not acute. A structured handover period should cover most risk.

FACTORS
  • +Two-director setup: Only two active directors — typical of owner-managed SMEs but limits succession.

Succession & seller-readiness

49/100
Moderate signal

Some succession indicators present. Worth watching; approach if sector/strategy fits.

SIGNALS
  • secondaryTwo-director governance: Small-team governance. Succession depth is thin but not absent.
  • secondary12+ year tenure: Director in role 13 years.
  • supportingClean filings + long tenure: Disciplined long-tenure operator — classic lifestyle-business pattern that often sells quietly.

Red flags

clean
No red flags detected from available public data. (This is not a clean bill of health — detailed accounts review still recommended.)

Shareholders & ownership

2 active beneficial owners
NameSharesVoting rightsNature of controlNotified
Mr James Stuart Procter
Individual · British · DOB 02/1978 · age 48
25–50%
25–50%25-50% shares · 25-50% voting05/05/2016
Mr Jean-Francois Wing Hing
Individual · British · DOB 11/1976 · age 50
25–50%
25–50%25-50% shares · 25-50% voting05/05/2016

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 · UB postcode area
CompanyEst. valueTurnoverNet worthStaffAgeOppDirector
01FUTR LIMITED→
15077776 · est 2023 · no financials extracted
————2y——
14 FROGMORE CLOSE LIMITED→
17047780 · est 2026 · no financials extracted
———————
303 PR PROPERTY LIMITED→
13943962 · est 2022 · no financials extracted
————4y——
32 ER LTD→
13259552 · est 2021 · no financials extracted
————5y——
34 & 34A EASTMEAD MANAGEMENT LIMITED→
10292051 · est 2016 · no financials extracted
————9y——
37TD LIMITED→
15458172 · est 2024 · no financials extracted
————2y——
3G PORTFOLIO LIMITED→
12475072 · est 2020 · no financials extracted
————6y——
3I PROPERTIES LTD→
15838436 · est 2024 · no financials extracted
————1y——
406 AVENUE LIMITED→
16445611 · est 2025 · no financials extracted
———————
45/47 HUDSON ROAD LIMITED→
05961484 · est 2006 · no financials extracted
————19y——
484 GREENFORD LTD→
10751591 · est 2017 · no financials extracted
————8y——
4NG PROPERTIES LTD→
16626830 · est 2025 · no financials extracted
———————
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
Incorporated2013-10-09
Jurisdictionengland-wales
Primary SIC68209 — Other letting and operating of own or leased real estate

Registered office

Boundary House
Cricket Field Road
Uxbridge
Middlesex
UB8 1QG

Filing status

Accounts
Next due: 2026-12-31
Last made up to: 2025-03-31
Confirmation statement
Next due: 2026-08-16
Last: 2025-08-02

Officers (3 active · 0 resigned)

WING HING, Jean-Francois→
secretary · appointed 2013-10-09
View their other companies + combined net worth →
Active
PROCTER, James Stuart→
director · ~48y · appointed 2013-10-09
View their other companies + combined net worth →
Active
WING HING, Jean-Francois→
director · ~50y · appointed 2013-10-09
View their other companies + combined net worth →
Active

Click a director name to see their full track record across all companies.

Mortgages & charges

3
Total charges
3
Outstanding
2
Active lenders
Status:Lender:3 of 3 shown
TypeProperties
outstanding
The Mortgage Works (UK)
The Mortgage Works (UK) PLC
A registered charge1 property29/11/2024—
outstanding
The Mortgage Works (UK)
The Mortgage Works (UK) PLC
A registered charge1 property27/03/2020—
outstanding
Fleet Mortgages
Fleet Mortgages Limited
A registered charge1 property28/11/2016—
Click column headers to sort. Use filters above to narrow by status and lender.

Recent filings (41 total)

accounts-with-accounts-type-micro-entity
accounts · AA
2025-09-29
confirmation-statement-with-no-updates
confirmation-statement · CS01
2025-08-05
mortgage-create-with-deed-with-charge-number-charge-creation-date
mortgage · MR01
2024-12-03
accounts-with-accounts-type-micro-entity
accounts · AA
2024-11-28
confirmation-statement-with-no-updates
confirmation-statement · CS01
2024-08-02
accounts-with-accounts-type-micro-entity
accounts · AA
2023-09-22
confirmation-statement-with-no-updates
confirmation-statement · CS01
2023-08-03
accounts-with-accounts-type-micro-entity
accounts · AA
2022-12-06
confirmation-statement-with-updates
confirmation-statement · CS01
2022-08-02
change-to-a-person-with-significant-control
persons-with-significant-control · PSC04
2022-08-02
change-person-director-company-with-change-date
officers · CH01
2022-08-02
change-person-secretary-company-with-change-date
officers · CH03
2022-08-02
change-person-director-company-with-change-date
officers · CH01
2022-07-14
change-to-a-person-with-significant-control
persons-with-significant-control · PSC04
2022-07-14
confirmation-statement-with-no-updates
confirmation-statement · CS01
2022-05-04