4LIVE PROPERTY LTD

🌿Early-stageactive
15577294 · ltd · incorporated 2024-03-19
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 Mar 2025
Net worth
£-12.3k
book net assets
Opportunity
68/100
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
Investor take
Pass (distressed without resilience)
Distressed property-backed borrower — structural issues outweigh the discount.

Opportunity 68/100 (strong), bankability 70/100. High owner-dependency — earn-out structure likely required for clean transition. Share purchase looks the cleaner deal structure. Biggest value-creation lever: Broaden director team. Sole director creates succession risk and reduces buyer comfort. Appoint a second director or strong #2. Most likely exit: distressed disposal / insolvency (65/100).

🏦

Refinance opportunity

3 live charges · 2 lenders · oldest 0.4y

35/100
too messy

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

  • · Newest facility, 0.4 years old — likely still in initial term.
  • · Two lenders — manageable, but coordination required.
  • · Legal-friction score 15/100 — clean.

Data confidence

Overall: medium (74/100)

Adequate coverage. AI outputs are reliable for the sections scored high; verify the rest in diligence.

Company profile
address, 2 SIC codes, incorporation date
100
Financials
1 year of iXBRL accounts extracted (no YoY comparison) + narrative notes parsed
50
Lenders & charges
3 charges (3/3 with lender, 3/3 with type)
90
Directors & officers
1 officers (1 active, 1 linked, 1 with DOB)
90
Ownership & PSC
1 active PSC(s) of 2 total, 2 with control declared
90
Director network
6 connected companies via shared directors
63
Filing history
14 filings on record
85
Gazette notices
No matching gazette notices (standard for active companies)
60
Opportunity Score
68/100Strong
PassWatchWorth a lookStrongExceptional 

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

Business quality
60
Adequate — check latest filings for context.
Acquirability
50
Some acquirability indicators.
Risk profile
74
Few red flags.
Signal strength
100
Good data coverage for analysis.

Signals from accounts

Derived from iXBRL accounts · FRS 102
Negative net assets
Liabilities exceed assets by £12,282

Key financials

1 year extracted from filed iXBRL accounts
Cash
£3k
Net Worth
-£12k
Current Assets
£23k
Current Liabilities

Financials

Extracted from Companies House accounts · FRS 102
Metric2025-03-31
Total assets£161.7k
Current assets£23.2k
Cash£2.7k
Debtors£20.4k
Net assets£-12.3k

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
2
filings
  • 1 address
  • 1 mortgage
Last 90 days
2
filings
  • 1 address
  • 1 mortgage
Last 180 days
5
filings
  • 3 mortgage
  • 1 address
  • 1 accounts
Counts from Companies House filing history.
Corporate timeline (16 events)Click to expand
  1. 2026-06-09
    📍
    change-registered-office-address-company-with-date-old-address-new-address
    address · AD01
  2. 2026-05-17
    📄
    mortgage-create-with-deed-with-charge-number-charge-creation-date
    mortgage · MR01
  3. 2026-05-13
    🔒
    Charge registered #3
    Lender: Lendinvest Btl Limited
  4. 2026-02-25
    📄
    mortgage-create-with-deed-with-charge-number-charge-creation-date
    mortgage · MR01
  5. 2026-02-12
    🔒
    Charge registered #2
    Lender: Lendinvest Btl Limited
  6. 2026-02-11
    📄
    mortgage-create-with-deed-with-charge-number-charge-creation-date
    mortgage · MR01
  7. 2026-02-02
    🔒
    Charge registered #1
    Lender: Paratus Amc Limited
  8. 2025-12-18
    📄
    accounts-with-accounts-type-total-exemption-full
    accounts · AA
  9. 2024-10-29
    📄
    change-person-director-company-with-change-date
    officers · CH01
  10. 2024-10-29
    📄
    change-to-a-person-with-significant-control
    persons-with-significant-control · PSC04
  11. 2024-10-29
    📍
    change-registered-office-address-company-with-date-old-address-new-address
    address · AD01
  12. 2024-04-05
    📄
    change-to-a-person-with-significant-control
    persons-with-significant-control · PSC04
  13. 2024-04-05
    📄
    cessation-of-a-person-with-significant-control
    persons-with-significant-control · PSC07
  14. 2024-03-19
    🏢
    Company incorporated
    As 4LIVE PROPERTY LTD
  15. 2024-03-19
    MULCAHY, Luke George appointed
    director
  16. 2024-03-19
    📄
    incorporation-company
    incorporation · NEWINC

Owner dependency

80/100
Critical — business is the founder

The business appears inseparable from the founder. Acquisition without a serious earn-out or meaningful transition period would likely destroy value.

FACTORS
  • +Sole director: Only one active director — all governance concentrated on one person.
  • +Young company: Only 2.2 years old — management layer unlikely to be developed.

Succession & seller-readiness

45/100
Moderate signal

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

SIGNALS
  • primarySole active director: Only one director in control. No visible successor — buyers solve the succession problem.

Red flags

1 med · 1 low
3 new charges in last 12 months
medium

Heavy recent charge activity can indicate refinancing pressure, aggressive leverage, or multiple lender rotation.

Evidence: 2026-05-13: A registered charge; 2026-02-12: A registered charge; 2026-02-02: A registered charge

Multiple registered office changes
low

Multiple address changes in a short period can indicate operational instability or admin disorder.

Shareholders & ownership

1 active beneficial owner · dominant holder ≥75%
NameSharesVoting rightsNature of controlNotified
Mr Luke George Mulcahy
Individual · British · DOB 07/1997 · age 29
75100%
75–100%board control75-100% shares · 75-100% voting · board control19/03/2024
1 historic (ceased) PSC
  • Mrs Ana Carolina Fontenele Mulcahyceased 05/04/2024· 25-50% shares · 25-50% 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 →

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Peers ranked by estimated value, then turnover, then opportunity score.See all →
🔒Tailored diligence questions

10 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
Incorporated2024-03-19
Jurisdictionengland-wales
Primary SIC68100 — Buying and selling of own real estate

Registered office

807 Green Lanes
London
N21 2SG
England

Filing status

Accounts
Next due: 2026-12-31
Last made up to: 2025-03-31
Confirmation statement
Next due: 2026-11-12
Last: 2025-10-29

Officers (1 active · 0 resigned)

MULCAHY, Luke George
director · ~29y · appointed 2024-03-19
View their other companies + combined net worth →
Active

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

Mortgages & charges

3
Total charges
3
Outstanding
2
Active lenders
Status:Lender:3 of 3 shown
TypeProperties
outstanding
LendInvest
Lendinvest Btl Limited
A registered charge1 property13/05/2026
outstanding
LendInvest
Lendinvest Btl Limited
A registered charge1 property12/02/2026
outstanding
Paratus Amc
Paratus Amc Limited
A registered charge1 property02/02/2026
Click column headers to sort. Use filters above to narrow by status and lender.

Recent filings (14 total)

change-registered-office-address-company-with-date-old-address-new-address
address · AD01
2026-06-09
mortgage-create-with-deed-with-charge-number-charge-creation-date
mortgage · MR01
2026-05-17
mortgage-create-with-deed-with-charge-number-charge-creation-date
mortgage · MR01
2026-02-25
mortgage-create-with-deed-with-charge-number-charge-creation-date
mortgage · MR01
2026-02-11
accounts-with-accounts-type-total-exemption-full
accounts · AA
2025-12-18
confirmation-statement-with-no-updates
confirmation-statement · CS01
2025-11-05
change-person-director-company-with-change-date
officers · CH01
2024-10-29
change-to-a-person-with-significant-control
persons-with-significant-control · PSC04
2024-10-29
confirmation-statement-with-updates
confirmation-statement · CS01
2024-10-29
change-registered-office-address-company-with-date-old-address-new-address
address · AD01
2024-10-29
confirmation-statement-with-updates
confirmation-statement · CS01
2024-04-05
change-to-a-person-with-significant-control
persons-with-significant-control · PSC04
2024-04-05
cessation-of-a-person-with-significant-control
persons-with-significant-control · PSC07
2024-04-05
incorporation-company
incorporation · NEWINC
2024-03-19