4D HOUSING LTD
🏛️Establishedactive
12208239 · ltd · incorporated 2019-09-16
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
£229.3k
book net assets
Opportunity
73/100
Strong
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
PursueStrong opportunity: property-backed borrower with strong profile and acceptable with review structure.
Opportunity 73/100 (strong), bankability 67/100. Share purchase looks the cleaner deal structure. Biggest value-creation lever: Consolidate lender relationships. 3 distinct lenders creates friction — refinance into single-lender structure for cleaner diligence. Most likely exit: strategic trade sale (63/100).
🏦
Refinance opportunity
4 live charges · 3 lenders · oldest 5.9y
35/100
too messy
Refinance path is blocked by complexity. Rethink structure or expect bespoke, expensive terms.
- · Oldest live charge is 5.9 years old — likely at or near maturity.
- · 3 lenders named — inter-creditor friction likely.
- · Legal-friction score 25/100 — workable, but lender will want more DD.
Data confidence
Overall: high (84/100)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
4 charges (4/4 with lender, 4/4 with type)
90
Directors & officers
4 officers (4 active, 4 linked, 4 with DOB)
90
Ownership & PSC
1 active PSC(s) of 5 total, 5 with control declared
90
Director network
14 connected companies via shared directors
87
Filing history
35 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
73/100Strong
PassWatchWorth a lookStrongExceptional
Solid opportunity signal. Worth a dedicated memo and management meeting.
Business quality
65
Adequate — check latest filings for context.
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 declaredPositive net assets
Net assets £229,250
Cash YoY
+120%
Year on year
Key financials
2 years extracted from filed iXBRL accountsCash
£2k
↑ 120% YoY
Net Worth
£229k
↑ 35% YoY
Current Assets
£82k
↑ 6.8% YoY
Current Liabilities
—
Hover to see exact values · click legend to toggle series
Financials
Extracted from Companies House accounts · accounting standard unknown| Metric | 2025-04-30 | 2024-04-30 |
|---|---|---|
| Total assets | £649.3k | £446.3k |
| Current assets | £82.0k | £76.8k |
| Cash | £2.5k | £1.1k |
| Debtors | £79.5k | £75.7k |
| Net assets | £229.3k | £169.3k |
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
1
filing
- • 1 confirmation-statement
Last 180 days
2
filings
- • 1 confirmation-statement
- • 1 accounts
Counts from Companies House filing history.
Corporate timeline (31 events)Click to expand
- 2026-01-07📄accounts-with-accounts-type-unaudited-abridgedaccounts · AA
- 2025-02-10📄change-to-a-person-with-significant-control-without-name-datepersons-with-significant-control · PSC04
- 2025-02-10📄change-to-a-person-with-significant-control-without-name-datepersons-with-significant-control · PSC04
- 2025-02-10📄change-to-a-person-with-significant-control-without-name-datepersons-with-significant-control · PSC04
- 2025-02-10📄change-person-director-company-with-change-dateofficers · CH01
- 2025-02-10📄change-to-a-person-with-significant-control-without-name-datepersons-with-significant-control · PSC04
- 2025-02-10📄change-person-director-company-with-change-dateofficers · CH01
- 2025-02-10📄change-person-director-company-with-change-dateofficers · CH01
- 2025-02-10📄change-person-director-company-with-change-dateofficers · CH01
- 2025-02-10📍change-registered-office-address-company-with-date-old-address-new-addressaddress · AD01
- 2025-01-22📄accounts-with-accounts-type-unaudited-abridgedaccounts · AA
- 2023-11-29📄accounts-with-accounts-type-unaudited-abridgedaccounts · AA
- 2023-09-29📄change-account-reference-date-company-previous-shortenedaccounts · AA01
- 2023-09-29📄accounts-with-accounts-type-unaudited-abridgedaccounts · AA
- 2022-08-30📄mortgage-create-with-deed-with-charge-number-charge-creation-datemortgage · MR01
- 2022-08-23🔒Charge registered #4Lender: National Westminster Bank PLC
- 2022-06-07📄accounts-with-accounts-type-unaudited-abridgedaccounts · AA
- 2022-03-21📄cessation-of-a-person-with-significant-controlpersons-with-significant-control · PSC07
- 2022-03-21📄notification-of-a-person-with-significant-controlpersons-with-significant-control · PSC02
- 2022-03-21📄cessation-of-a-person-with-significant-controlpersons-with-significant-control · PSC07
- 2022-03-21📄cessation-of-a-person-with-significant-controlpersons-with-significant-control · PSC07
- 2022-03-21📄cessation-of-a-person-with-significant-controlpersons-with-significant-control · PSC07
- 2022-02-08🔓Charge satisfied #2
- 2022-01-31🔒Charge registered #3Lender: Kensington Mortgage Company Limited
- 2022-01-25🔒Charge registered #2Lender: Kensington Mortgage Company Limited
- 2020-07-08🔒Charge registered #1Lender: The Nottingham Building Society
- 2019-09-16🏢Company incorporatedAs 4D HOUSING LTD
- 2019-09-16➕CHAHAL, Gurdeep Singh appointeddirector
- 2019-09-16➕CHANA, Rajinder appointeddirector
- 2019-09-16➕SINGH, Jaswinder appointeddirector
- 2019-09-16➕SINGH, Yadwinder appointeddirector
Owner dependency
48/100
Moderate — manageable with handoverSome founder dependency, but not acute. A structured handover period should cover most risk.
FACTORS
- -4 active directors: Broader management team in place — suggests transferable governance.
- +Family involvement: Multiple officers share a surname — likely family business, which concentrates governance.
Succession & seller-readiness
30/100
Weak signalLimited succession signal. Not a near-term off-market candidate.
Red flags
cleanNo red flags detected from available public data. (This is not a clean bill of health — detailed accounts review still recommended.)
Group structure
4d Group Management Limited is the ultimate parent — holding 75%+ shares. This company sits inside their group.
🏛️ultimate parent
4d Group Management Limited
Corporate parent · holds 75-100% shares
⬇
4D HOUSING LTD
This company · 12208239
Parent relationships inferred from Persons with Significant Control filings. Full subsidiary tree requires reverse-lookup (coming).
Shareholders & ownership
1 active beneficial owner · dominant holder ≥75%| Name | Shares | Voting rights | Nature of control | Notified |
|---|---|---|---|---|
4d Group Management Limited Corporate entity | 75–100% | 75–100% | 75-100% shares · 75-100% voting | 21/03/2022 |
4 historic (ceased) PSCs
- Mr Gurdeep Singh Chahalceased 21/03/2022· significant influence
- Mr Rajinder Chanaceased 21/03/2022· significant influence
- Mr Jaswinder Singhceased 21/03/2022· significant influence
- Mr Yadwinder Singhceased 21/03/2022· significant influence
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 · WF postcode area| Company | Est. value | Turnover | Net worth | Staff | Age | Opp | Director |
|---|---|---|---|---|---|---|---|
| 0704 LIMITED→ 16863826 · est 2025 · no financials extracted | — | — | — | — | — | — | — |
| 10 PALMERS AVENUE LTD→ 14431827 · est 2022 · no financials extracted | — | — | — | — | 3y | — | — |
| 100 PROPERTY SOLUTIONS LTD→ 14776563 · est 2023 · no financials extracted | — | — | — | — | 3y | — | — |
| 1044 LTD→ 11643531 · est 2018 · no financials extracted | — | — | — | — | 7y | — | — |
| 2BB PROPERTY LIMITED→ 12806794 · est 2020 · no financials extracted | — | — | — | — | 5y | — | — |
| 2ND LIFE PROJECT LTD→ 15805803 · est 2024 · no financials extracted | — | — | — | — | 1y | — | — |
| 3 SHIPS PROPERTIES LIMITED→ 12034540 · est 2019 · no financials extracted | — | — | — | — | 6y | — | — |
| 313 HOLDINGS GROUP LTD→ 16746050 · est 2025 · no financials extracted | — | — | — | — | — | — | — |
| 3IB PROPERTY SOLUTIONS LTD→ 17004555 · est 2026 · no financials extracted | — | — | — | — | — | — | — |
| 49 PROPERTIES LIMITED→ 10960660 · est 2017 · no financials extracted | — | — | — | — | 8y | — | — |
| 4U HOMES LTD→ 16749738 · est 2025 · no financials extracted | — | — | — | — | — | — | — |
| 5 6 LEGAL LTD→ 10864224 · est 2017 · 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
Incorporated2019-09-16
Jurisdictionengland-wales
Primary SIC68100 — Buying and selling of own real estate
Registered office
Longley Edge
Doncaster Road
Wakefield
WF4 1QX
United Kingdom
Filing status
Accounts
Next due: 2027-01-31
Last made up to: 2025-04-30
Confirmation statement
Next due: 2027-04-04
Last: 2026-03-21
Officers (4 active · 0 resigned)
CHAHAL, Gurdeep Singh→
Activedirector · ~48y · appointed 2019-09-16
View their other companies + combined net worth →
CHANA, Rajinder→
Activedirector · ~39y · appointed 2019-09-16
View their other companies + combined net worth →
SINGH, Jaswinder→
Activedirector · ~47y · appointed 2019-09-16
View their other companies + combined net worth →
SINGH, Yadwinder→
Activedirector · ~44y · appointed 2019-09-16
View their other companies + combined net worth →
Click a director name to see their full track record across all companies.
Mortgages & charges
4
Total charges
3
Outstanding
3
Active lenders
Status:Lender:4 of 4 shown
| Type | Properties | |||||
|---|---|---|---|---|---|---|
| outstanding | National Westminster Bank National Westminster Bank PLC | A registered charge | 1 property | 23/08/2022 | — | |
| outstanding | Kensington Mortgage Company Kensington Mortgage Company Limited | A registered charge | 1 property | 31/01/2022 | — | |
| satisfied | Kensington Mortgage Company Kensington Mortgage Company Limited | A registered charge | 1 property | 25/01/2022 | 08/02/2022 | |
| outstanding | The Nottingham Building Society | A registered charge | 1 property | 08/07/2020 | — |
Click column headers to sort. Use filters above to narrow by status and lender.
Recent filings (35 total)
confirmation-statement-with-no-updates
confirmation-statement · CS01
2026-03-23
accounts-with-accounts-type-unaudited-abridged
accounts · AA
2026-01-07
confirmation-statement-with-no-updates
confirmation-statement · CS01
2025-03-26
change-to-a-person-with-significant-control-without-name-date
persons-with-significant-control · PSC04
2025-02-10
change-to-a-person-with-significant-control-without-name-date
persons-with-significant-control · PSC04
2025-02-10
change-to-a-person-with-significant-control-without-name-date
persons-with-significant-control · PSC04
2025-02-10
change-person-director-company-with-change-date
officers · CH01
2025-02-10
change-to-a-person-with-significant-control-without-name-date
persons-with-significant-control · PSC04
2025-02-10
change-person-director-company-with-change-date
officers · CH01
2025-02-10
change-person-director-company-with-change-date
officers · CH01
2025-02-10
change-person-director-company-with-change-date
officers · CH01
2025-02-10
change-registered-office-address-company-with-date-old-address-new-address
address · AD01
2025-02-10
accounts-with-accounts-type-unaudited-abridged
accounts · AA
2025-01-22
confirmation-statement-with-no-updates
confirmation-statement · CS01
2024-03-25
accounts-with-accounts-type-unaudited-abridged
accounts · AA
2023-11-29