1 & 4 LIVING LIMITED

🏛️Establishedactive
11631062 · ltd · incorporated 2018-10-18
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 6.6y old — refinance window within 12 months
🔒Estimated value
—
Upgrade to see
Turnover
—
year to Oct 2024
Net worth
—
book net assets
Opportunity
71/100
Strong
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What this business does
Primary activity: Buying and selling of own real estate
Sector: Real estate
ALSO REGISTERED FOR
  • 68209Other letting and operating of own or leased real estate
Investor take
Pursue
Strong opportunity: active trading company with strong profile and bankable structure.

Opportunity 71/100 (strong), bankability 85/100. High owner-dependency — earn-out structure likely required for clean transition. Share purchase looks the cleaner deal structure. Most likely exit: strategic trade sale (63/100).

🏦

Refinance opportunity

3 live charges · 2 lenders · oldest 6.6y

70/100
ready

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

  • · Oldest live charge is 6.6 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, 2 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
1 connected companies via shared directors
48
Filing history
22 filings on record
85
Gazette notices
No matching gazette notices (standard for active companies)
60
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.

Key financials

2 years extracted from filed iXBRL accounts
Cash
—
Net Worth
—
Current Assets
—
Current Liabilities
—
£0£0£0£0£0£0Oct 2023Oct 2024

Hover to see exact values · click legend to toggle series

Financials

Extracted from Companies House accounts · accounting standard unknown
Metric2024-10-312023-10-31

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
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. 2025-07-31
    📄
    accounts-with-accounts-type-total-exemption-full
    accounts · AA
  2. 2025-03-25
    📄
    mortgage-satisfy-charge-full
    mortgage · MR04
  3. 2025-03-25
    🔓
    Charge satisfied #3
  4. 2024-07-31
    📄
    accounts-with-accounts-type-total-exemption-full
    accounts · AA
  5. 2023-07-30
    📄
    accounts-with-accounts-type-total-exemption-full
    accounts · AA
  6. 2022-11-17
    📍
    change-registered-office-address-company-with-date-old-address-new-address
    address · AD01
  7. 2022-07-30
    📄
    accounts-with-accounts-type-total-exemption-full
    accounts · AA
  8. 2021-07-31
    📄
    accounts-with-accounts-type-total-exemption-full
    accounts · AA
  9. 2020-10-17
    📄
    accounts-with-accounts-type-micro-entity
    accounts · AA
  10. 2020-04-17
    📄
    mortgage-satisfy-charge-full
    mortgage · MR04
  11. 2020-04-17
    📄
    mortgage-satisfy-charge-full
    mortgage · MR04
  12. 2020-04-17
    📄
    mortgage-create-with-deed-with-charge-number-charge-creation-date
    mortgage · MR01
  13. 2020-04-17
    🔒
    Charge registered #3
    Lender: Fleet Mortgages Limited
  14. 2020-04-17
    🔓
    Charge satisfied #2
  15. 2020-04-17
    🔓
    Charge satisfied #1
  16. 2019-10-16
    📄
    mortgage-create-with-deed-with-charge-number-charge-creation-date
    mortgage · MR01
  17. 2019-10-16
    📄
    mortgage-create-with-deed-with-charge-number-charge-creation-date
    mortgage · MR01
  18. 2019-10-07
    🔒
    Charge registered #2
    Lender: Interbay Funding Limited
  19. 2019-10-07
    🔒
    Charge registered #1
    Lender: Interbay Funding Limited
  20. 2018-10-18
    🏢
    Company incorporated
    As 1 & 4 LIVING LIMITED
  21. 2018-10-18
    ➕
    ZEAL RESOLUTION LIMITED appointed
    corporate-secretary
  22. 2018-10-18
    ➕
    SARVANANTHAN, Janani appointed
    director
  23. 2018-10-18
    ➕
    SARVANANTHAN, Preshanna appointed
    director
  24. 2018-10-18
    📄
    incorporation-company
    incorporation · NEWINC

Owner dependency

66/100
High — earn-out structure required

Material 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.
  • +Family involvement: Multiple officers share a surname — likely family business, which concentrates governance.

Succession & seller-readiness

36/100
Weak signal

Limited 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
medium

Multiple instances where a charge was satisfied and a new charge created within 6 months. Suggests active refinancing cycle.

Shareholders & ownership

2 active beneficial owners
NameSharesVoting rightsNature of controlNotified
Mr Preshanna Sarvananthan
Individual · British · DOB 12/1981 · age 45
25–50%
25–50%board control25-50% shares · 25-50% voting · board control18/10/2018
Mrs Janani Sarvananthan
Individual · British · DOB 08/1984 · age 42
25–50%
25–50%board control25-50% shares · 25-50% voting · board control18/10/2018

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 →

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Peers ranked by estimated value, then turnover, then opportunity score.See all →
🔒Tailored diligence questions

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 →
🔒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
Incorporated2018-10-18
Jurisdictionengland-wales
Primary SIC68100 — Buying and selling of own real estate

Registered office

145 Welcomes Road
Kenley
CR8 5HB
England

Filing status

Accounts
Next due: 2026-07-31
Last made up to: 2024-10-31
Confirmation statement
Next due: 2026-11-14
Last: 2025-10-31

Officers (3 active · 0 resigned)

ZEAL RESOLUTION LIMITED→
corporate-secretary · appointed 2018-10-18
View their other companies + combined net worth →
Active
SARVANANTHAN, Janani→
director · ~42y · appointed 2018-10-18
View their other companies + combined net worth →
Active
SARVANANTHAN, Preshanna→
director · ~45y · appointed 2018-10-18
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
0
Outstanding
0
Active lenders
Status:Lender:3 of 3 shown
TypeProperties
satisfied
Fleet Mortgages
Fleet Mortgages Limited
A registered charge1 property17/04/202025/03/2025
satisfied
InterBay
Interbay Funding Limited
A registered charge2 properties07/10/201917/04/2020
satisfied
InterBay
Interbay Funding Limited
A registered charge2 properties07/10/201917/04/2020

Recent filings (22 total)

confirmation-statement-with-no-updates
confirmation-statement · CS01
2025-11-17
accounts-with-accounts-type-total-exemption-full
accounts · AA
2025-07-31
mortgage-satisfy-charge-full
mortgage · MR04
2025-03-25
confirmation-statement-with-no-updates
confirmation-statement · CS01
2024-11-19
accounts-with-accounts-type-total-exemption-full
accounts · AA
2024-07-31
confirmation-statement-with-no-updates
confirmation-statement · CS01
2023-11-16
accounts-with-accounts-type-total-exemption-full
accounts · AA
2023-07-30
confirmation-statement-with-updates
confirmation-statement · CS01
2022-11-17
change-registered-office-address-company-with-date-old-address-new-address
address · AD01
2022-11-17
accounts-with-accounts-type-total-exemption-full
accounts · AA
2022-07-30
confirmation-statement-with-no-updates
confirmation-statement · CS01
2021-11-15
accounts-with-accounts-type-total-exemption-full
accounts · AA
2021-07-31
confirmation-statement-with-no-updates
confirmation-statement · CS01
2020-12-14
accounts-with-accounts-type-micro-entity
accounts · AA
2020-10-17
mortgage-satisfy-charge-full
mortgage · MR04
2020-04-17