04 TWENTY-FIRST CENTURY HOMES LTD
🏛️Establishedactive
12986827 · ltd · incorporated 2020-10-30
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.
Why now
Window steady · medium confidence
Mixed signals — 1 changes over 30 days, no clear direction yet.
- · Filings: 20 → 21
What changed my view
Last 30 days
Picture improved over the last 30 days — 1 positive signal vs 0 negative.
- ↑Filings: 20 → 21
Last 90 days
No snapshot from 90 days ago — start tracking from today.
Last 180 days
No snapshot from 180 days ago — start tracking from today.
🔒Estimated value
—
Upgrade to see
Turnover
—
year to Oct 2024
Net worth
£100
book net assets
Opportunity
74/100
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
Investor take
PursueStrong opportunity: property-backed borrower with strong profile and bankable structure.
Opportunity 74/100 (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 (58/100).
🏦
Refinance opportunity
1 live charge · oldest 1.3y
50/100
clean up first
Refinance viable after a tidy-up — address the highlighted items first.
- · Newest facility, 1.3 years old — likely still in initial term.
- · Single lender — cleanest path to refinance.
- · Legal-friction score 15/100 — clean.
Data confidence
Overall: high (83/100)Strong data coverage across all sections. AI outputs should be trusted with minimal caveats.
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
1 charges (1/1 with lender, 1/1 with type)
90
Directors & officers
2 officers (2 active, 2 linked, 2 with DOB)
90
Ownership & PSC
2 active PSC(s) of 3 total, 3 with control declared
90
Director network
10 connected companies via shared directors
75
Filing history
21 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
74/100Strong
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
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 £100
Key financials
2 years extracted from filed iXBRL accountsCash
—
Net Worth
£100
~ YoY
Current Assets
—
Current Liabilities
—
Hover to see exact values · click legend to toggle series
Financials
Extracted from Companies House accounts · accounting standard unknown| Metric | 2024-10-31 | 2023-10-31 |
|---|---|---|
| Total assets | £100 | £100 |
| Net assets | £100 | £100 |
Amounts extracted automatically from iXBRL. Fields left blank were not reported or not mapped. Values in GBP unless stated.
Recent activity
Last 30 days
1
filing
- • 1 confirmation-statement
Last 90 days
1
filing
- • 1 confirmation-statement
Last 180 days
1
filing
- • 1 confirmation-statement
Counts from Companies House filing history.
Corporate timeline (18 events)Click to expand
- 2025-07-21📄accounts-with-accounts-type-micro-entityaccounts · AA
- 2025-03-25📄mortgage-create-with-deed-with-charge-number-charge-creation-datemortgage · MR01
- 2025-03-19🔒Charge registered #1Lender: The Mortgage Works (UK) PLC
- 2024-07-29📄accounts-with-accounts-type-micro-entityaccounts · AA
- 2023-11-20📍change-registered-office-address-company-with-date-old-address-new-addressaddress · AD01
- 2023-11-15📍change-registered-office-address-company-with-date-old-address-new-addressaddress · AD01
- 2023-07-28📄accounts-with-accounts-type-micro-entityaccounts · AA
- 2023-07-24📄change-person-director-company-with-change-dateofficers · CH01
- 2023-07-24📄change-to-a-person-with-significant-controlpersons-with-significant-control · PSC04
- 2022-10-21📍change-registered-office-address-company-with-date-old-address-new-addressaddress · AD01
- 2022-07-25📄accounts-with-accounts-type-micro-entityaccounts · AA
- 2022-02-08📄notification-of-a-person-with-significant-controlpersons-with-significant-control · PSC01
- 2022-02-08📄notification-of-a-person-with-significant-controlpersons-with-significant-control · PSC01
- 2022-02-08📄cessation-of-a-person-with-significant-controlpersons-with-significant-control · PSC07
- 2020-10-30🏢Company incorporatedAs 04 TWENTY-FIRST CENTURY HOMES LTD
- 2020-10-30➕BANERJEE, Bikram appointeddirector
- 2020-10-30➕PANWAR, Karan Singh appointeddirector
- 2020-10-30📄incorporation-companyincorporation · NEWINC
Owner dependency
63/100
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.
- +No director turnover: Company is 6 years old with no director changes — suggests a very tight-knit founder team never broadened.
Succession & seller-readiness
36/100
Weak signalLimited 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
cleanNo 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| Name | Shares | Voting rights | Nature of control | Notified |
|---|---|---|---|---|
Mr Karan Singh Panwar Individual · British · DOB 07/1976 · age 50 | — | — | sig. influencesignificant influence | 08/02/2022 |
Mr Bikram Banerjee Individual · Indian · DOB 11/1978 · age 48 | — | — | sig. influencesignificant influence | 08/02/2022 |
1 historic (ceased) PSC
- Houseclique Property Developers Limitedceased 08/02/2022· 75-100% shares · 75-100% voting · board control
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 · RG postcode area| Company | Est. value | Turnover | Net worth | Staff | Age | Opp | Director |
|---|---|---|---|---|---|---|---|
| A H STONE PROPERTY MANAGEMENT LTD→ 11125912 · est 2017 · no financials extracted | — | — | — | — | 8y | — | — |
| A J BAGRI PROPERTIES LTD→ 13975169 · est 2022 · no financials extracted | — | — | — | — | 4y | — | — |
| A.H.LANSLEY RESIDENTIAL LIMITED→ 05210148 · est 2004 · no financials extracted | — | — | — | — | 21y | — | — |
| ABL PROPERTY SERVICES LIMITED→ 13838972 · est 2022 · no financials extracted | — | — | — | — | 4y | — | — |
| ADAM JAMES PROPERTIES LIMITED→ 13196771 · est 2021 · no financials extracted | — | — | — | — | 5y | — | — |
| ADP FORECOURT LTD→ 16537391 · est 2025 · no financials extracted | — | — | — | — | — | — | — |
| ADP PROPERTY MANAGEMENT LTD→ 11316214 · est 2018 · no financials extracted | — | — | — | — | 7y | — | — |
| ADT BUILD LTD→ 11993278 · est 2019 · no financials extracted | — | — | — | — | 6y | — | — |
| ADZZ PROPERTIES LTD→ 16483473 · est 2025 · no financials extracted | — | — | — | — | — | — | — |
| AEGIS PROPERTIES LTD→ 13016224 · est 2020 · no financials extracted | — | — | — | — | 5y | — | — |
| AFT.GUERIN LTD→ 13133038 · est 2021 · no financials extracted | — | — | — | — | 5y | — | — |
| AFTHONIA LTD→ 13003666 · est 2020 · no financials extracted | — | — | — | — | 5y | — | — |
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
Incorporated2020-10-30
Jurisdictionengland-wales
Primary SIC68100 — Buying and selling of own real estate
Registered office
Rivendell, Church Lane
Arborfield
Reading
RG2 9JA
England
Filing status
Accounts
Next due: 2026-07-31
Last made up to: 2024-10-31
Confirmation statement
Next due: 2027-06-14
Last: 2026-05-31
Officers (2 active · 0 resigned)
BANERJEE, Bikram→
Activedirector · ~48y · appointed 2020-10-30
View their other companies + combined net worth →
PANWAR, Karan Singh→
Activedirector · ~50y · appointed 2020-10-30
View their other companies + combined net worth →
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
| Type | Properties | |||||
|---|---|---|---|---|---|---|
| outstanding | The Mortgage Works (UK) The Mortgage Works (UK) PLC | A registered charge | 1 property | 19/03/2025 | — |
Click column headers to sort. Use filters above to narrow by status and lender.
Recent filings (21 total)
confirmation-statement-with-no-updates
confirmation-statement · CS01
2026-06-25
accounts-with-accounts-type-micro-entity
accounts · AA
2025-07-21
confirmation-statement-with-no-updates
confirmation-statement · CS01
2025-06-30
mortgage-create-with-deed-with-charge-number-charge-creation-date
mortgage · MR01
2025-03-25
confirmation-statement-with-updates
confirmation-statement · CS01
2025-02-27
accounts-with-accounts-type-micro-entity
accounts · AA
2024-07-29
confirmation-statement-with-no-updates
confirmation-statement · CS01
2024-03-04
change-registered-office-address-company-with-date-old-address-new-address
address · AD01
2023-11-20
change-registered-office-address-company-with-date-old-address-new-address
address · AD01
2023-11-15
accounts-with-accounts-type-micro-entity
accounts · AA
2023-07-28
change-person-director-company-with-change-date
officers · CH01
2023-07-24
change-to-a-person-with-significant-control
persons-with-significant-control · PSC04
2023-07-24
confirmation-statement-with-no-updates
confirmation-statement · CS01
2023-04-08
change-registered-office-address-company-with-date-old-address-new-address
address · AD01
2022-10-21
accounts-with-accounts-type-micro-entity
accounts · AA
2022-07-25