2ND CITY INVESTMENTS LTD

🏛️Establishedactive
11952305 · ltd · incorporated 2019-04-17
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 Apr 2025
Net worth
—
book net assets
Opportunity
67/100
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
  • 68320Management of real estate on a fee or contract basis
Investor take
Pursue
Property-backed borrower. Reasonable fundamentals — worth a memo before deciding.

Opportunity 67/100 (strong), bankability 57/100. 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. 5 distinct lenders creates friction — refinance into single-lender structure for cleaner diligence. Most likely exit: share sale to pe / searcher (58/100).

🏦

Refinance opportunity

16 live charges · 5 lenders · oldest 6.8y

35/100
too messy

Refinance path is blocked by complexity. Rethink structure or expect bespoke, expensive terms.

  • · Oldest live charge is 6.8 years old — likely at or near maturity.
  • · 5 lenders named — inter-creditor friction likely.
  • · Legal-friction score 40/100 — workable, but lender will want more DD.

Data confidence

Overall: high (83/100)

Strong data coverage across all sections. AI outputs should be trusted with minimal caveats.

Company profile
address, 3 SIC codes, incorporation date
100
Financials
2 years of iXBRL accounts extracted (YoY deltas available) + narrative notes parsed
75
Lenders & charges
16 charges (16/16 with lender, 16/16 with type)
90
Directors & officers
2 officers (2 active, 2 linked, 2 with DOB)
90
Ownership & PSC
1 active PSC(s) of 1 total, 1 with control declared
90
Director network
10 connected companies via shared directors
75
Filing history
34 filings on record
85
Gazette notices
No matching gazette notices (standard for active companies)
60
Opportunity Score
67/100Strong
PassWatchWorth a lookStrongExceptional 

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

Business quality
55
Adequate — check latest filings for context.
Acquirability
55
Some acquirability indicators.
Risk profile
74
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£0Apr 2024Apr 2025

Hover to see exact values · click legend to toggle series

Financials

Extracted from Companies House accounts · accounting standard unknown
Metric2025-04-302024-04-30

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
0
filings
Last 180 days
1
filing
  • • 1 accounts
Counts from Companies House filing history.
Corporate timeline (42 events)Click to expand
  1. 2026-01-22
    📄
    accounts-with-accounts-type-micro-entity
    accounts · AA
  2. 2025-01-28
    📄
    accounts-with-accounts-type-micro-entity
    accounts · AA
  3. 2024-02-14
    📄
    accounts-with-accounts-type-micro-entity
    accounts · AA
  4. 2023-04-28
    📄
    accounts-with-accounts-type-micro-entity
    accounts · AA
  5. 2022-12-20
    📄
    mortgage-create-with-deed-with-charge-number-charge-creation-date
    mortgage · MR01
  6. 2022-12-20
    🔒
    Charge registered #16
    Lender: Charter Court Financial Services Limited
  7. 2022-04-29
    📄
    accounts-with-accounts-type-micro-entity
    accounts · AA
  8. 2021-11-10
    📄
    mortgage-create-with-deed-with-charge-number-charge-creation-date
    mortgage · MR01
  9. 2021-11-10
    📄
    mortgage-create-with-deed-with-charge-number-charge-creation-date
    mortgage · MR01
  10. 2021-11-08
    🔒
    Charge registered #15
    Lender: Together Commercial Finance Limited
  11. 2021-11-08
    🔒
    Charge registered #14
    Lender: Together Commercial Finance Limited
  12. 2021-09-02
    📄
    mortgage-create-with-deed-with-charge-number-charge-creation-date
    mortgage · MR01
  13. 2021-09-02
    📄
    mortgage-create-with-deed-with-charge-number-charge-creation-date
    mortgage · MR01
  14. 2021-08-26
    🔒
    Charge registered #13
    Lender: Together Commercial Finance Limited
  15. 2021-08-26
    🔒
    Charge registered #12
    Lender: Together Commercial Finance Limited
  16. 2021-08-23
    📄
    mortgage-satisfy-charge-full
    mortgage · MR04
  17. 2021-08-23
    📄
    mortgage-satisfy-charge-full
    mortgage · MR04
  18. 2021-08-23
    📄
    mortgage-satisfy-charge-full
    mortgage · MR04
  19. 2021-08-23
    📄
    mortgage-satisfy-charge-full
    mortgage · MR04
  20. 2021-08-23
    🔓
    Charge satisfied #9
  21. 2021-08-23
    🔓
    Charge satisfied #8
  22. 2021-08-23
    🔓
    Charge satisfied #7
  23. 2021-08-23
    🔓
    Charge satisfied #6
  24. 2021-06-23
    📄
    mortgage-create-with-deed-with-charge-number-charge-creation-date
    mortgage · MR01
  25. 2021-06-22
    🔒
    Charge registered #11
    Lender: Onesavings Bank PLC
  26. 2021-04-13
    📄
    accounts-with-accounts-type-micro-entity
    accounts · AA
  27. 2021-04-07
    📄
    mortgage-create-with-deed-with-charge-number-charge-creation-date
    mortgage · MR01
  28. 2021-03-31
    🔒
    Charge registered #10
    Lender: Onesavings Bank PLC
  29. 2021-03-19
    📄
    mortgage-create-with-deed-with-charge-number-charge-creation-date
    mortgage · MR01
  30. 2021-03-19
    📄
    mortgage-create-with-deed-with-charge-number-charge-creation-date
    mortgage · MR01
  31. 2021-03-12
    🔒
    Charge registered #9
    Lender: Together Commercial Finance Limited
  32. 2021-03-12
    🔒
    Charge registered #8
    Lender: Together Commercial Finance Limited
  33. 2021-01-29
    🔒
    Charge registered #7
    Lender: Together Commercial Finance Limited
  34. 2021-01-29
    🔒
    Charge registered #6
    Lender: Together Commercial Finance Limited
  35. 2020-08-18
    🔒
    Charge registered #5
    Lender: Charter Court Financial Services Limited
  36. 2020-08-14
    🔒
    Charge registered #4
    Lender: Charter Court Financial Services Limited
  37. 2020-05-18
    🔒
    Charge registered #3
    Lender: Kensington Mortgage Company Limited
  38. 2019-10-11
    🔒
    Charge registered #2
    Lender: Charter Court Financial Services Limited
  39. 2019-07-25
    🔒
    Charge registered #1
    Lender: Charter Court Financial Services Limited Trading as Precise Mortgages
  40. 2019-04-17
    🏢
    Company incorporated
    As 2ND CITY INVESTMENTS LTD
  41. 2019-04-17
    ➕
    CHAUDHRY, Arshad Siddique appointed
    director
  42. 2019-04-17
    ➕
    HUSSAIN, Nazam appointed
    director

Owner dependency

63/100
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.
  • +No director turnover: Company is 7 years old with no director changes — suggests a very tight-knit founder team never broadened.

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 · 1 low
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.

12 live charges
low

Heavily leveraged with multiple live security positions — understand the capital structure before proceeding.

Shareholders & ownership

1 active beneficial owner
NameSharesVoting rightsNature of controlNotified
Mr Nazam Hussain
Individual · British · DOB 06/1975 · age 51
25–50%
25–50%board control25-50% shares · 25-50% voting · board control17/04/2019

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

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
Incorporated2019-04-17
Jurisdictionengland-wales
Primary SIC68100 — Buying and selling of own real estate

Registered office

40 Kenilworth Close
Tipton
West Midlands
DY4 8EQ
United Kingdom

Filing status

Accounts
Next due: 2027-01-31
Last made up to: 2025-04-30
Confirmation statement
Next due: 2026-08-03
Last: 2025-07-20

Officers (2 active · 0 resigned)

CHAUDHRY, Arshad Siddique→
director · ~57y · appointed 2019-04-17
View their other companies + combined net worth →
Active
HUSSAIN, Nazam→
director · ~51y · appointed 2019-04-17
View their other companies + combined net worth →
Active

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

Mortgages & charges

16
Total charges
12
Outstanding
4
Active lenders
Status:Lender:16 of 16 shown
TypeProperties
outstanding
Precise Mortgages
Charter Court Financial Services Limited
A registered charge1 property20/12/2022—
outstanding
Together Money
Together Commercial Finance Limited
A registered charge1 property08/11/2021—
outstanding
Together Money
Together Commercial Finance Limited
A registered charge1 property08/11/2021—
outstanding
Together Money
Together Commercial Finance Limited
A registered charge3 properties26/08/2021—
outstanding
Together Money
Together Commercial Finance Limited
A registered charge2 properties26/08/2021—
outstanding
Onesavings Bank
Onesavings Bank PLC
A registered charge1 property22/06/2021—
outstanding
Onesavings Bank
Onesavings Bank PLC
A registered charge1 property31/03/2021—
satisfied
Together Money
Together Commercial Finance Limited
A registered charge2 properties12/03/202123/08/2021
satisfied
Together Money
Together Commercial Finance Limited
A registered charge1 property12/03/202123/08/2021
satisfied
Together Money
Together Commercial Finance Limited
A registered charge3 properties29/01/202123/08/2021
satisfied
Together Money
Together Commercial Finance Limited
A registered charge1 property29/01/202123/08/2021
outstanding
Precise Mortgages
Charter Court Financial Services Limited
A registered charge1 property18/08/2020—
outstanding
Precise Mortgages
Charter Court Financial Services Limited
A registered charge1 property14/08/2020—
outstanding
Kensington Mortgage Company
Kensington Mortgage Company Limited
A registered charge1 property18/05/2020—
outstanding
Precise Mortgages
Charter Court Financial Services Limited
A registered charge1 property11/10/2019—
outstanding
Precise Mortgages
Charter Court Financial Services Limited Trading as Precise Mortgages
A registered charge1 property25/07/2019—
Click column headers to sort. Use filters above to narrow by status and lender.

Recent filings (34 total)

accounts-with-accounts-type-micro-entity
accounts · AA
2026-01-22
confirmation-statement-with-no-updates
confirmation-statement · CS01
2025-09-16
accounts-with-accounts-type-micro-entity
accounts · AA
2025-01-28
confirmation-statement-with-no-updates
confirmation-statement · CS01
2024-09-17
accounts-with-accounts-type-micro-entity
accounts · AA
2024-02-14
confirmation-statement-with-updates
confirmation-statement · CS01
2023-07-20
confirmation-statement-with-no-updates
confirmation-statement · CS01
2023-05-20
accounts-with-accounts-type-micro-entity
accounts · AA
2023-04-28
mortgage-create-with-deed-with-charge-number-charge-creation-date
mortgage · MR01
2022-12-20
confirmation-statement-with-no-updates
confirmation-statement · CS01
2022-05-07
accounts-with-accounts-type-micro-entity
accounts · AA
2022-04-29
mortgage-create-with-deed-with-charge-number-charge-creation-date
mortgage · MR01
2021-11-10
mortgage-create-with-deed-with-charge-number-charge-creation-date
mortgage · MR01
2021-11-10
mortgage-create-with-deed-with-charge-number-charge-creation-date
mortgage · MR01
2021-09-02
mortgage-create-with-deed-with-charge-number-charge-creation-date
mortgage · MR01
2021-09-02