4A PROPERTY LIMITED
🏛️Establishedactive
12453383 · ltd · incorporated 2020-02-10
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 4.4y old — refinance window within 12 months
🔒Estimated value
—
Upgrade to see
Turnover
—
year to Feb 2025
Net worth
—
book net assets
Opportunity
72/100
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 72/100 (strong), bankability 70/100. 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
15 live charges · oldest 4.4y
55/100
clean up first
Refinance viable after a tidy-up — address the highlighted items first.
- · Charge age ~4.4 years — mid-life; refi window approaching.
- · Single lender — cleanest path to refinance.
- · Legal-friction score 30/100 — workable, but lender will want more DD.
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
15 charges (15/15 with lender, 15/15 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
36 filings on record
85
Gazette notices
No matching gazette notices (standard for active companies)
60
Opportunity Score
72/100Strong
PassWatchWorth a lookStrongExceptional
Solid opportunity signal. Worth a dedicated memo and management meeting.
Business quality
55
Adequate — check latest filings for context.
Acquirability
75
Strong succession / seller-readiness signals.
Risk profile
74
Few red flags.
Signal strength
100
Good data coverage for analysis.
Key financials
2 years extracted from filed iXBRL accountsCash
—
Net Worth
—
Current Assets
—
Current Liabilities
—
Hover to see exact values · click legend to toggle series
Financials
Extracted from Companies House accounts · FRS 102| Metric | 2025-02-28 | 2024-02-29 |
|---|---|---|
| Average employees | 400 | 400 |
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
3
filings
- • 3 mortgage
Last 180 days
4
filings
- • 3 mortgage
- • 1 confirmation-statement
Counts from Companies House filing history.
Corporate timeline (41 events)Click to expand
- 2026-04-28📄mortgage-create-with-deed-with-charge-number-charge-creation-datemortgage · MR01
- 2026-04-28🔒Charge registered #15Lender: Paragon Bank PLC
- 2026-03-24📄mortgage-create-with-deed-with-charge-number-charge-creation-datemortgage · MR01
- 2026-03-24📄mortgage-create-with-deed-with-charge-number-charge-creation-datemortgage · MR01
- 2026-03-24🔒Charge registered #14Lender: Paragon Bank PLC
- 2026-03-24🔒Charge registered #13Lender: Paragon Bank PLC
- 2025-09-30📄mortgage-create-with-deed-with-charge-number-charge-creation-datemortgage · MR01
- 2025-09-30🔒Charge registered #12Lender: Paragon Bank PLC
- 2025-09-12📄mortgage-create-with-deed-with-charge-number-charge-creation-datemortgage · MR01
- 2025-09-12🔒Charge registered #11Lender: Paragon Bank PLC
- 2025-08-20📄mortgage-create-with-deed-with-charge-number-charge-creation-datemortgage · MR01
- 2025-08-20📄mortgage-create-with-deed-with-charge-number-charge-creation-datemortgage · MR01
- 2025-08-19📄mortgage-create-with-deed-with-charge-number-charge-creation-datemortgage · MR01
- 2025-08-19🔒Charge registered #10Lender: Paragon Bank PLC
- 2025-08-19🔒Charge registered #9Lender: Paragon Bank PLC
- 2025-08-19🔒Charge registered #8Lender: Paragon Bank PLC
- 2025-07-24📄mortgage-create-with-deed-with-charge-number-charge-creation-datemortgage · MR01
- 2025-07-24🔒Charge registered #7Lender: Paragon Bank PLC
- 2025-04-29📄accounts-with-accounts-type-total-exemption-fullaccounts · AA
- 2025-04-07📄change-person-director-company-with-change-dateofficers · CH01
- 2025-04-07📄change-person-director-company-with-change-dateofficers · CH01
- 2025-04-07📍change-registered-office-address-company-with-date-old-address-new-addressaddress · AD01
- 2025-02-24📄mortgage-create-with-deed-with-charge-number-charge-creation-datemortgage · MR01
- 2025-02-24📄mortgage-create-with-deed-with-charge-number-charge-creation-datemortgage · MR01
- 2025-02-24📄mortgage-create-with-deed-with-charge-number-charge-creation-datemortgage · MR01
- 2025-02-24📄mortgage-create-with-deed-with-charge-number-charge-creation-datemortgage · MR01
- 2025-02-24🔒Charge registered #6Lender: Paragon Bank PLC
- 2025-02-24🔒Charge registered #5Lender: Paragon Bank PLC
- 2025-02-24🔒Charge registered #4Lender: Paragon Bank PLC
- 2025-02-24🔒Charge registered #3Lender: Paragon Bank PLC
- 2024-09-02📄accounts-with-accounts-type-total-exemption-fullaccounts · AA
- 2023-11-16📄accounts-with-accounts-type-total-exemption-fullaccounts · AA
- 2023-05-16📄mortgage-create-with-deed-with-charge-number-charge-creation-datemortgage · MR01
- 2023-05-16🔒Charge registered #2Lender: Paragon Bank PLC
- 2022-11-29📄accounts-with-accounts-type-total-exemption-fullaccounts · AA
- 2022-02-10🔒Charge registered #1Lender: Paragon Bank PLC
- 2021-06-28➖CHENGUN, Anjana resigneddirector
- 2020-09-01➕CHENGUN, Anjana appointeddirector
- 2020-02-10🏢Company incorporatedAs 4A PROPERTY LIMITED
- 2020-02-10➕CHENGUN, Ronimol appointeddirector
- 2020-02-10➕CHENGUN, Visnoo appointeddirector
Owner dependency
74/100
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.
- +Senior director age: Director aged approximately 63 — approaching natural succession window.
- +Family involvement: Multiple officers share a surname — likely family business, which concentrates governance.
Succession & seller-readiness
56/100
Strong succession signalMultiple signals suggest succession is on the horizon. Candidate for proactive outreach.
SIGNALS
- primaryFounder aged 63+: Senior director is approximately 63. Approaching typical UK retirement age — succession thinking likely.
- secondaryTwo-director governance: Small-team governance. Succession depth is thin but not absent.
Red flags
1 med · 1 low9 new charges in last 12 months
mediumHeavy recent charge activity can indicate refinancing pressure, aggressive leverage, or multiple lender rotation.
Evidence: 2026-04-28: A registered charge; 2026-03-24: A registered charge; 2026-03-24: A registered charge
15 live charges
lowHeavily leveraged with multiple live security positions — understand the capital structure before proceeding.
Shareholders & ownership
2 active beneficial owners| Name | Shares | Voting rights | Nature of control | Notified |
|---|---|---|---|---|
Mr Visnoo Chengun Individual · British · DOB 09/1963 · age 63 | 25–50% | 25–50% | board control25-50% shares · 25-50% voting · board control | 10/02/2020 |
Mrs Ronimol Chengun Individual · British · DOB 05/1980 · age 46 | 25–50% | 25–50% | board control25-50% shares · 25-50% voting · board control | 10/02/2020 |
From Companies House Persons with Significant Control filings. Share ranges are banded per the public PSC regime.
Similar companies
Active · Property · NG postcode area| Company | Est. value | Turnover | Net worth | Staff | Age | Opp | Director |
|---|---|---|---|---|---|---|---|
| 2341 CLARENCE ST KINGSTON UT (FREEHOLDCO) LIMITED→ 12298708 · est 2019 · no financials extracted | — | — | — | — | 6y | — | — |
| 3034 ST ANDREW SQ EDINBURGH HN (LEASECO) LIMITED→ 17105879 · est 2026 · no financials extracted | — | — | — | — | — | — | — |
| 313 STARS LIMITED→ 15969909 · est 2024 · no financials extracted | — | — | — | — | 1y | — | — |
| 3424 PARISHES SC SCUNTHORPE (FREEHOLDCO) LIMITED→ 11730442 · est 2018 · no financials extracted | — | — | — | — | 7y | — | — |
| 3442 MIDDLESBROUGH LINTHORPE (FREEHOLDCO) LIMITED→ 13808704 · est 2021 · no financials extracted | — | — | — | — | 4y | — | — |
| 3443 LEEDS BRIGGATE (FREEHOLDCO) LIMITED→ 13808640 · est 2021 · no financials extracted | — | — | — | — | 4y | — | — |
| 35 WESTHOLME LTD→ 15493936 · est 2024 · no financials extracted | — | — | — | — | 2y | — | — |
| 3D PROPERTY LTD→ 10942090 · est 2017 · no financials extracted | — | — | — | — | 8y | — | — |
| 3K REAL ESTATE LTD→ 16862624 · est 2025 · no financials extracted | — | — | — | — | — | — | — |
| 3TEES KONSULT LTD→ 14883864 · est 2023 · no financials extracted | — | — | — | — | 2y | — | — |
| 48 MAPPERLEY ROAD MANAGEMENT COMPANY LIMITED→ 06663314 · est 2008 · no financials extracted | — | — | — | — | 17y | — | — |
| 4BROTHERS PROPERTIES LIMITED→ 06207680 · est 2007 · no financials extracted | — | — | — | — | 19y | — | — |
Peers ranked by estimated value, then turnover, then opportunity score.See all →
🔒Tailored diligence questions
8 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
Incorporated2020-02-10
Jurisdictionengland-wales
Primary SIC68100 — Buying and selling of own real estate
Registered office
143 Seaburn Road
Toton
Nottingham
NG9 6HJ
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)
CHENGUN, Ronimol→
Activedirector · ~46y · appointed 2020-02-10
View their other companies + combined net worth →
CHENGUN, Visnoo→
Activedirector · ~63y · appointed 2020-02-10
View their other companies + combined net worth →
CHENGUN, Anjana→
Resigneddirector · ~22y · appointed 2020-09-01 · resigned 2021-06-28
Click a director name to see their full track record across all companies.
Mortgages & charges
15
Total charges
15
Outstanding
1
Active lenders
Status:Lender:15 of 15 shown
| Type | Properties | |||||
|---|---|---|---|---|---|---|
| outstanding | Paragon Paragon Bank PLC | A registered charge | 1 property | 28/04/2026 | — | |
| outstanding | Paragon Paragon Bank PLC | A registered charge | 1 property | 24/03/2026 | — | |
| outstanding | Paragon Paragon Bank PLC | A registered charge | 1 property | 24/03/2026 | — | |
| outstanding | Paragon Paragon Bank PLC | A registered charge | 1 property | 30/09/2025 | — | |
| outstanding | Paragon Paragon Bank PLC | A registered charge | 1 property | 12/09/2025 | — | |
| outstanding | Paragon Paragon Bank PLC | A registered charge | 1 property | 19/08/2025 | — | |
| outstanding | Paragon Paragon Bank PLC | A registered charge | 1 property | 19/08/2025 | — | |
| outstanding | Paragon Paragon Bank PLC | A registered charge | 1 property | 19/08/2025 | — | |
| outstanding | Paragon Paragon Bank PLC | A registered charge | 1 property | 24/07/2025 | — | |
| outstanding | Paragon Paragon Bank PLC | A registered charge | 1 property | 24/02/2025 | — | |
| outstanding | Paragon Paragon Bank PLC | A registered charge | 1 property | 24/02/2025 | — | |
| outstanding | Paragon Paragon Bank PLC | A registered charge | 1 property | 24/02/2025 | — | |
| outstanding | Paragon Paragon Bank PLC | A registered charge | 1 property | 24/02/2025 | — | |
| outstanding | Paragon Paragon Bank PLC | A registered charge | 1 property | 16/05/2023 | — | |
| outstanding | Paragon Paragon Bank PLC | A registered charge | 1 property | 10/02/2022 | — |
Click column headers to sort. Use filters above to narrow by status and lender.
Recent filings (36 total)
mortgage-create-with-deed-with-charge-number-charge-creation-date
mortgage · MR01
2026-04-28
mortgage-create-with-deed-with-charge-number-charge-creation-date
mortgage · MR01
2026-03-24
mortgage-create-with-deed-with-charge-number-charge-creation-date
mortgage · MR01
2026-03-24
confirmation-statement-with-no-updates
confirmation-statement · CS01
2026-02-25
mortgage-create-with-deed-with-charge-number-charge-creation-date
mortgage · MR01
2025-09-30
mortgage-create-with-deed-with-charge-number-charge-creation-date
mortgage · MR01
2025-09-12
mortgage-create-with-deed-with-charge-number-charge-creation-date
mortgage · MR01
2025-08-20
mortgage-create-with-deed-with-charge-number-charge-creation-date
mortgage · MR01
2025-08-20
mortgage-create-with-deed-with-charge-number-charge-creation-date
mortgage · MR01
2025-08-19
mortgage-create-with-deed-with-charge-number-charge-creation-date
mortgage · MR01
2025-07-24
accounts-with-accounts-type-total-exemption-full
accounts · AA
2025-04-29
change-person-director-company-with-change-date
officers · CH01
2025-04-07
change-person-director-company-with-change-date
officers · CH01
2025-04-07
change-registered-office-address-company-with-date-old-address-new-address
address · AD01
2025-04-07
mortgage-create-with-deed-with-charge-number-charge-creation-date
mortgage · MR01
2025-02-24