4S HOMES LTD
🏛️Establishedactive
10986339 · ltd · incorporated 2017-09-28
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 Sept 2025
Net worth
£306.1k
book net assets
Opportunity
71/100
Strong
What this business does
Primary activity: Buying and selling of own real estate
Sector: Real estate
Investor take
PursueStrong opportunity: property-backed borrower with strong profile and acceptable with review structure.
Opportunity 71/100 (strong), bankability 67/100. High owner-dependency — earn-out structure likely required for clean transition. Share purchase looks the cleaner deal structure. Biggest value-creation lever: Consolidate lender relationships. 6 distinct lenders creates friction — refinance into single-lender structure for cleaner diligence. Most likely exit: share sale to pe / searcher (58/100).
🏦
Refinance opportunity
15 live charges · 6 lenders · oldest 8.0y
35/100
too messy
Refinance path is blocked by complexity. Rethink structure or expect bespoke, expensive terms.
- · Oldest live charge is 8.0 years old — likely at or near maturity.
- · 6 lenders named — inter-creditor friction likely.
- · Legal-friction score 40/100 — workable, but lender will want more DD.
Data confidence
Overall: high (80/100)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
15 charges (15/15 with lender, 15/15 with type)
90
Directors & officers
2 officers (2 active, 2 linked, 2 with DOB)
90
Ownership & PSC
2 active PSC(s) of 2 total, 2 with control declared
90
Director network
1 connected companies via shared directors
48
Filing history
50 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
71/100Strong
PassWatchWorth a lookStrongExceptional
Solid opportunity signal. Worth a dedicated memo and management meeting.
Business quality
65
Adequate — check latest filings for context.
Acquirability
55
Some acquirability indicators.
Risk profile
77
Few red flags.
Signal strength
100
Good data coverage for analysis.
Signals from accounts
Derived from iXBRL accounts · FRS 102Positive net assets
Net assets £306,131
Net assets shrinking
Down £298,103 YoY
Cash YoY
+944%
Year on year
Key financials
2 years extracted from filed iXBRL accountsCash
£132k
↑ 944% YoY
Net Worth
£306k
↓ 49% YoY
Current Assets
£1.3m
↓ 40% YoY
Current Liabilities
—
Hover to see exact values · click legend to toggle series
Financials
Extracted from Companies House accounts · FRS 102| Metric | 2025-09-30 | 2024-09-30 |
|---|---|---|
| Total assets | £516.1k | £814.2k |
| Current assets | £1.35M | £2.25M |
| Cash | £131.5k | £12.6k |
| Debtors | £174.8k | £571.7k |
| Net assets | £306.1k | £604.2k |
Amounts extracted automatically from iXBRL. Fields left blank were not reported or not mapped. Values in GBP unless stated.
🔒Filing-note intelligence
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
Last 30 days
1
filing
- • 1 accounts
Last 90 days
1
filing
- • 1 accounts
Last 180 days
1
filing
- • 1 accounts
Counts from Companies House filing history.
Corporate timeline (51 events)Click to expand
- 2026-06-30📄accounts-with-accounts-type-total-exemption-fullaccounts · AA
- 2025-07-25📄mortgage-satisfy-charge-fullmortgage · MR04
- 2025-07-25🔓Charge satisfied #15
- 2025-06-19📄accounts-with-accounts-type-total-exemption-fullaccounts · AA
- 2025-05-06📄mortgage-create-with-deed-with-charge-number-charge-creation-datemortgage · MR01
- 2025-05-06📄mortgage-create-with-deed-with-charge-number-charge-creation-datemortgage · MR01
- 2025-04-28📄mortgage-satisfy-charge-fullmortgage · MR04
- 2025-04-28📄mortgage-satisfy-charge-fullmortgage · MR04
- 2025-04-28📄mortgage-satisfy-charge-fullmortgage · MR04
- 2025-04-28🔓Charge satisfied #13
- 2025-04-28🔓Charge satisfied #12
- 2025-04-28🔓Charge satisfied #11
- 2025-04-24🔒Charge registered #15Lender: Mint Property Finance Limited
- 2025-04-24🔒Charge registered #14Lender: Mint Property Finance Limited
- 2025-01-20📍change-registered-office-address-company-with-date-old-address-new-addressaddress · AD01
- 2024-06-11📄accounts-with-accounts-type-unaudited-abridgedaccounts · AA
- 2024-01-03📄mortgage-create-with-deed-with-charge-number-charge-creation-datemortgage · MR01
- 2023-12-22📄mortgage-create-with-deed-with-charge-number-charge-creation-datemortgage · MR01
- 2023-12-19📄mortgage-create-with-deed-with-charge-number-charge-creation-datemortgage · MR01
- 2023-12-18🔒Charge registered #13Lender: Bridgeco Limited
- 2023-12-18🔒Charge registered #12Lender: Bridgeco Limited
- 2023-12-18🔒Charge registered #11Lender: Bridgeco Limited
- 2023-09-29📄mortgage-create-with-deed-with-charge-number-charge-creation-datemortgage · MR01
- 2023-09-29🔒Charge registered #10Lender: Colcap Financial UK Limited
- 2023-06-30📄accounts-with-accounts-type-unaudited-abridgedaccounts · AA
- 2022-10-28📄change-person-director-company-with-change-dateofficers · CH01
- 2022-10-28📄change-to-a-person-with-significant-controlpersons-with-significant-control · PSC04
- 2022-06-17📄accounts-with-accounts-type-unaudited-abridgedaccounts · AA
- 2022-06-15📄mortgage-satisfy-charge-fullmortgage · MR04
- 2022-06-15📄mortgage-satisfy-charge-fullmortgage · MR04
- 2022-06-15🔓Charge satisfied #7
- 2022-06-15🔓Charge satisfied #6
- 2021-05-11🔓Charge satisfied #9
- 2021-05-11🔓Charge satisfied #8
- 2021-05-11🔓Charge satisfied #5
- 2021-05-11🔓Charge satisfied #4
- 2020-04-20🔒Charge registered #9Lender: Mb (Security Agent) Limited
- 2020-04-20🔒Charge registered #8Lender: Mb (Security Agent) Limited
- 2020-03-29🔓Charge satisfied #3
- 2019-11-29🔒Charge registered #7Lender: Mb (Security Agent) Limited
- 2019-11-29🔒Charge registered #6Lender: Mb (Security Agent) Limited
- 2019-10-15🔒Charge registered #5Lender: Pasto Development Limited
- 2019-10-15🔒Charge registered #4Lender: Mb (Security Agent) Limited
- 2019-10-15🔒Charge registered #3Lender: Mb (Security Agent) Limited
- 2019-06-27🔓Charge satisfied #2
- 2019-06-27🔓Charge satisfied #1
- 2018-07-13🔒Charge registered #2Lender: Mint Bridging Limited
- 2018-07-13🔒Charge registered #1Lender: Mint Bridging Limited
- 2017-09-28🏢Company incorporatedAs 4S HOMES LTD
- 2017-09-28➕CARVER, Mark appointeddirector
Showing most recent 50 of 51 events
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
- +Two-director setup: Only two active directors — typical of owner-managed SMEs but limits succession.
- +No director turnover: Company is 9 years old with no director changes — suggests a very tight-knit founder team never broadened.
Succession & seller-readiness
36/100
Weak signalLimited succession signal. Not a near-term off-market candidate.
SIGNALS
- secondaryTwo-director governance: Small-team governance. Succession depth is thin but not absent.
Red flags
1 med ·Charge satisfaction-then-recreation pattern
mediumMultiple instances where a charge was satisfied and a new charge created within 6 months. Suggests active refinancing cycle.
Shareholders & ownership
2 active beneficial owners| Name | Shares | Voting rights | Nature of control | Notified |
|---|---|---|---|---|
Mr Mark Carver Individual · British · DOB 01/1980 · age 46 | 25–50% | 25–50% | 25-50% shares · 25-50% voting | 28/09/2017 |
Mr Stewart Fielden Individual · British · DOB 07/1977 · age 49 | 25–50% | 25–50% | 25-50% shares · 25-50% voting | 28/09/2017 |
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 · HA postcode area| Company | Est. value | Turnover | Net worth | Staff | Age | Opp | Director |
|---|---|---|---|---|---|---|---|
| 30 WD23 LTD→ 16370467 · est 2025 · no financials extracted | — | — | — | — | 1y | — | — |
| 348 DOLLIS HILL LTD→ 14439165 · est 2022 · no financials extracted | — | — | — | — | 3y | — | — |
| 42 KEATS LTD→ 14888842 · est 2023 · no financials extracted | — | — | — | — | 2y | — | — |
| 43 ENGADINE STREET FREEHOLD LIMITED→ 12632132 · est 2020 · no financials extracted | — | — | — | — | 5y | — | — |
| 44 GAYTON ROAD RTM COMPANY LIMITED→ 09178708 · est 2014 · no financials extracted | — | — | — | — | 11y | — | — |
| 47 CUMBERLAND STREET LTD→ 13668551 · est 2021 · no financials extracted | — | — | — | — | 4y | — | — |
| 47, CROMWELL ROAD MANAGEMENT CO LIMITED→ 03305137 · est 1997 · no financials extracted | — | — | — | — | 29y | — | — |
| 48 CUNNINGHAM PARK (HARROW) LTD→ 07787314 · est 2011 · no financials extracted | — | — | — | — | 14y | — | — |
| 4D HOMES LONDON LIMITED→ 15384574 · est 2024 · no financials extracted | — | — | — | — | 2y | — | — |
| 4DBALANCE INVESTMENTS LTD→ 14057962 · est 2022 · no financials extracted | — | — | — | — | 3y | — | — |
| 4F PROPERTIES LTD→ 14360008 · est 2022 · no financials extracted | — | — | — | — | 3y | — | — |
| 4M DEVELOPMENTS LTD.→ 11130549 · est 2018 · no financials extracted | — | — | — | — | 8y | — | — |
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
Incorporated2017-09-28
Jurisdictionengland-wales
Primary SIC68100 — Buying and selling of own real estate
Registered office
Alton House
66 High Street
Northwood
Middlesex
HA6 1BL
United Kingdom
Filing status
Accounts
Next due: 2027-06-30
Last made up to: 2025-09-30
Confirmation statement
Next due: 2026-10-09
Last: 2025-09-25
Officers (2 active · 0 resigned)
CARVER, Mark→
Activedirector · ~46y · appointed 2017-09-28
View their other companies + combined net worth →
FIELDEN, Stewart→
Activedirector · ~49y · appointed 2017-09-28
View their other companies + combined net worth →
Click a director name to see their full track record across all companies.
Mortgages & charges
15
Total charges
2
Outstanding
2
Active lenders
Status:Lender:15 of 15 shown
| Type | Properties | |||||
|---|---|---|---|---|---|---|
| satisfied | Mint Property Finance Mint Property Finance Limited | A registered charge | 14 properties | 24/04/2025 | 25/07/2025 | |
| outstanding | Mint Property Finance Mint Property Finance Limited | A registered charge | 14 properties | 24/04/2025 | — | |
| satisfied | Bridgeco Bridgeco Limited | A registered charge | 3 properties | 18/12/2023 | 28/04/2025 | |
| satisfied | Bridgeco Bridgeco Limited | A registered charge | 3 properties | 18/12/2023 | 28/04/2025 | |
| satisfied | Bridgeco Bridgeco Limited | A registered charge | 3 properties | 18/12/2023 | 28/04/2025 | |
| outstanding | Colcap Financial UK Colcap Financial UK Limited | A registered charge | 1 property | 29/09/2023 | — | |
| satisfied | Mb (Security Agent) Mb (Security Agent) Limited | A registered charge | 1 property | 20/04/2020 | 11/05/2021 | |
| satisfied | Mb (Security Agent) Mb (Security Agent) Limited | A registered charge | 1 property | 20/04/2020 | 11/05/2021 | |
| satisfied | Mb (Security Agent) Mb (Security Agent) Limited | A registered charge | 2 properties | 29/11/2019 | 15/06/2022 | |
| satisfied | Mb (Security Agent) Mb (Security Agent) Limited | A registered charge | 2 properties | 29/11/2019 | 15/06/2022 | |
| satisfied | Pasto Development Pasto Development Limited | A registered charge | 1 property | 15/10/2019 | 11/05/2021 | |
| satisfied | Mb (Security Agent) Mb (Security Agent) Limited | A registered charge | 1 property | 15/10/2019 | 11/05/2021 | |
| satisfied | Mb (Security Agent) Mb (Security Agent) Limited | A registered charge | 1 property | 15/10/2019 | 29/03/2020 | |
| satisfied | Mint Bridging Mint Bridging Limited | A registered charge | 3 properties | 13/07/2018 | 27/06/2019 | |
| satisfied | Mint Bridging Mint Bridging Limited | A registered charge | 1 property | 13/07/2018 | 27/06/2019 |
Click column headers to sort. Use filters above to narrow by status and lender.
Recent filings (50 total)
accounts-with-accounts-type-total-exemption-full
accounts · AA
2026-06-30
confirmation-statement-with-no-updates
confirmation-statement · CS01
2025-10-03
mortgage-satisfy-charge-full
mortgage · MR04
2025-07-25
accounts-with-accounts-type-total-exemption-full
accounts · AA
2025-06-19
mortgage-create-with-deed-with-charge-number-charge-creation-date
mortgage · MR01
2025-05-06
mortgage-create-with-deed-with-charge-number-charge-creation-date
mortgage · MR01
2025-05-06
mortgage-satisfy-charge-full
mortgage · MR04
2025-04-28
mortgage-satisfy-charge-full
mortgage · MR04
2025-04-28
mortgage-satisfy-charge-full
mortgage · MR04
2025-04-28
change-registered-office-address-company-with-date-old-address-new-address
address · AD01
2025-01-20
confirmation-statement-with-no-updates
confirmation-statement · CS01
2024-09-25
accounts-with-accounts-type-unaudited-abridged
accounts · AA
2024-06-11
mortgage-create-with-deed-with-charge-number-charge-creation-date
mortgage · MR01
2024-01-03
mortgage-create-with-deed-with-charge-number-charge-creation-date
mortgage · MR01
2023-12-22
mortgage-create-with-deed-with-charge-number-charge-creation-date
mortgage · MR01
2023-12-19