4 COSY HOMES LIMITED

🏛️Establishedactive
11835902 · ltd · incorporated 2019-02-19
Investment thesis
Property vehicle with a workable charge structure — clean refinance potential.
Why interesting: Asset-backed; value largely in underlying property; lender engagement likely possible.
Why risky: Dependent on title and valuation due diligence; standard property risks.
Opportunity decay
approaching window · 12-months
Approaching a transaction window — refinance or sale event plausible in the next 12 months.
  • · Oldest live charge 7.0y old — refinance window within 12 months
🔒Estimated value
—
Upgrade to see
Turnover
—
year to Feb 2025
Net worth
£20.3k
book net assets
Opportunity
79/100
Strong
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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 79/100 (strong), bankability 80/100. High owner-dependency — earn-out structure likely required for clean transition. Share purchase looks the cleaner deal structure. Most likely exit: share sale to pe / searcher (73/100).

🏦

Refinance opportunity

1 live charge · oldest 7.0y

85/100
ready

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

  • · Oldest live charge is 7.0 years old — likely at or near maturity.
  • · Single lender — cleanest path to refinance.
  • · Legal-friction score 15/100 — clean.

Data confidence

Overall: medium (78/100)

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
1 charges (1/1 with lender, 1/1 with type)
90
Directors & officers
3 officers (2 active, 3 linked, 3 with DOB)
90
Ownership & PSC
2 active PSC(s) of 2 total, 2 with control declared
90
Director network
Network not yet resolved
30
Filing history
27 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
79/100Strong
PassWatchWorth a lookStrongExceptional 

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

Business quality
65
Adequate — check latest filings for context.
Acquirability
75
Strong succession / seller-readiness signals.
Risk profile
85
Few red flags.
Signal strength
100
Good data coverage for analysis.

Signals from accounts

Derived from iXBRL accounts · FRS 102
Positive net assets
Net assets £20,271

Key financials

2 years extracted from filed iXBRL accounts
Cash
—
Net Worth
£20k
↑ 32% YoY
Current Assets
£678
↓ 55% YoY
Current Liabilities
—
£0£4k£8k£12k£16k£20kFeb 2024Feb 2025

Hover to see exact values · click legend to toggle series

Financials

Extracted from Companies House accounts · FRS 102
Metric2025-02-282024-02-28
Total assets£152.4k£144.0k
Current assets£678£1.5k
Cash—£1.5k
Debtors£678—
Net assets£20.3k£15.3k

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
1
filing
  • • 1 confirmation-statement
Last 180 days
1
filing
  • • 1 confirmation-statement
Counts from Companies House filing history.
Corporate timeline (24 events)Click to expand
  1. 2025-08-22
    📄
    accounts-with-accounts-type-unaudited-abridged
    accounts · AA
  2. 2025-07-11
    📄
    change-to-a-person-with-significant-control
    persons-with-significant-control · PSC04
  3. 2025-07-11
    📄
    change-to-a-person-with-significant-control
    persons-with-significant-control · PSC04
  4. 2025-07-10
    📄
    change-person-director-company-with-change-date
    officers · CH01
  5. 2025-07-10
    📄
    change-person-director-company-with-change-date
    officers · CH01
  6. 2025-07-09
    📍
    change-registered-office-address-company-with-date-old-address-new-address
    address · AD01
  7. 2024-07-01
    📄
    accounts-with-accounts-type-unaudited-abridged
    accounts · AA
  8. 2023-11-13
    📄
    accounts-with-accounts-type-unaudited-abridged
    accounts · AA
  9. 2022-06-21
    📄
    accounts-with-accounts-type-total-exemption-full
    accounts · AA
  10. 2022-05-25
    📄
    gazette-filings-brought-up-to-date
    gazette · DISS40
  11. 2022-05-10
    📄
    gazette-notice-compulsory
    gazette · GAZ1
  12. 2022-02-02
    📄
    gazette-filings-brought-up-to-date
    gazette · DISS40
  13. 2022-02-01
    📄
    gazette-notice-compulsory
    gazette · GAZ1
  14. 2022-01-28
    📄
    accounts-with-accounts-type-total-exemption-full
    accounts · AA
  15. 2021-03-21
    📄
    accounts-with-accounts-type-micro-entity
    accounts · AA
  16. 2021-03-14
    📄
    termination-director-company-with-name-termination-date
    officers · TM01
  17. 2021-03-04
    ➖
    DE SOUSA, Fabio Santos resigned
    director
  18. 2020-01-09
    📄
    appoint-person-director-company-with-name-date
    officers · AP01
  19. 2020-01-01
    ➕
    DE SOUSA, Fabio Santos appointed
    director
  20. 2019-06-06
    📄
    mortgage-create-with-deed-with-charge-number-charge-creation-date
    mortgage · MR01
  21. 2019-05-22
    🔒
    Charge registered #1
    Lender: The Mortgage Works (UK) PLC
  22. 2019-04-09
    ➕
    DARBIN, Rex Oliver appointed
    director
  23. 2019-02-19
    🏢
    Company incorporated
    As 4 COSY HOMES LIMITED
  24. 2019-02-19
    ➕
    DARBIN, Maria De Fatima Cortico appointed
    director

Owner dependency

74/100
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.
  • +Senior director age: Director aged approximately 61 — approaching natural succession window.
  • +Family involvement: Multiple officers share a surname — likely family business, which concentrates governance.

Succession & seller-readiness

46/100
Moderate signal

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

SIGNALS
  • secondaryFounder aged 58+: Senior director is approximately 61. Early succession window.
  • secondaryTwo-director governance: Small-team governance. Succession depth is thin but not absent.

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 Rex Oliver Darbin
Individual · British · DOB 05/1975 · age 51
25–50%
25–50%board control25-50% shares · 25-50% voting · board control19/02/2019
Mrs Maria De Fatima Cortico Darbin
Individual · Portuguese · DOB 05/1965 · age 61
25–50%
25–50%board control25-50% shares · 25-50% voting · board control19/02/2019

From Companies House Persons with Significant Control filings. Share ranges are banded per the public PSC regime.

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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
Incorporated2019-02-19
Jurisdictionengland-wales
Primary SIC68209 — Other letting and operating of own or leased real estate

Registered office

71 West Drayton Park Avenue
West Drayton
Greater London
UB7 7QB
United Kingdom

Filing status

Accounts
Next due: 2026-11-30
Last made up to: 2025-02-28
Confirmation statement
Next due: 2027-03-04
Last: 2026-02-18

Officers (2 active · 1 resigned)

DARBIN, Maria De Fatima Cortico→
director · ~61y · appointed 2019-02-19
View their other companies + combined net worth →
Active
DARBIN, Rex Oliver→
director · ~51y · appointed 2019-04-09
View their other companies + combined net worth →
Active
DE SOUSA, Fabio Santos→
director · ~41y · appointed 2020-01-01 · resigned 2021-03-04
Resigned

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

Mortgages & charges

1
Total charges
1
Outstanding
1
Active lenders
Status:Lender:1 of 1 shown
TypeProperties
outstanding
The Mortgage Works (UK)
The Mortgage Works (UK) PLC
A registered charge1 property22/05/2019—
Click column headers to sort. Use filters above to narrow by status and lender.

Recent filings (27 total)

confirmation-statement-with-no-updates
confirmation-statement · CS01
2026-03-06
accounts-with-accounts-type-unaudited-abridged
accounts · AA
2025-08-22
change-to-a-person-with-significant-control
persons-with-significant-control · PSC04
2025-07-11
change-to-a-person-with-significant-control
persons-with-significant-control · PSC04
2025-07-11
change-person-director-company-with-change-date
officers · CH01
2025-07-10
change-person-director-company-with-change-date
officers · CH01
2025-07-10
change-registered-office-address-company-with-date-old-address-new-address
address · AD01
2025-07-09
confirmation-statement-with-no-updates
confirmation-statement · CS01
2025-02-25
accounts-with-accounts-type-unaudited-abridged
accounts · AA
2024-07-01
confirmation-statement-with-updates
confirmation-statement · CS01
2024-02-20
accounts-with-accounts-type-unaudited-abridged
accounts · AA
2023-11-13
confirmation-statement-with-updates
confirmation-statement · CS01
2023-03-02
accounts-with-accounts-type-total-exemption-full
accounts · AA
2022-06-21
gazette-filings-brought-up-to-date
gazette · DISS40
2022-05-25
confirmation-statement-with-no-updates
confirmation-statement · CS01
2022-05-24