FOUR SEASONS REAL ESTATES LIMITED
🏛️Establishedactive
SC538507 · ltd · incorporated 2016-06-21
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 May 2024
Net worth
£864.6k
book net assets
Opportunity
67/100
Strong
What this business does
Primary activity: Other letting and operating of own or leased real estate
Sector: Real estate
Investor take
PursueProperty-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. 6 distinct lenders creates friction — refinance into single-lender structure for cleaner diligence. Most likely exit: share sale to pe / searcher (58/100).
🏦
Refinance opportunity
82 live charges · 6 lenders · oldest 8.8y
15/100
under pressure
Refinance would be pressure-driven, not opportunity-driven. Expect tighter margins and covenant scrutiny.
- · Oldest live charge is 8.8 years old — likely at or near maturity.
- · 6 lenders named — inter-creditor friction likely.
- · Cashflow trend is negative — lender view likely cautious.
Data confidence
Overall: high (84/100)Strong data coverage across all sections. AI outputs should be trusted with minimal caveats.
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
82 charges (82/82 with lender, 82/82 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
20 connected companies via shared directors
90
Filing history
191 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
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.
Signals from accounts
Derived from iXBRL accounts · FRS 102Positive net assets
Net assets £864,609
Net assets shrinking
Down £30,408 YoY
Cash draining
Cash down 100% YoY
Cash YoY
-100%
Year on year
Key financials
2 years extracted from filed iXBRL accountsCash
£175
↓ 100% YoY
Net Worth
£865k
↓ 3.4% YoY
Current Assets
£1.3m
↑ 63% YoY
Current Liabilities
—
Hover to see exact values · click legend to toggle series
Financials
Extracted from Companies House accounts · FRS 102| Metric | 2024-05-31 | 2023-05-31 |
|---|---|---|
| Total assets | £5.25M | £4.45M |
| Current assets | £1.27M | £781.1k |
| Cash | £175 | £39.9k |
| Debtors | £1.27M | £741.2k |
| Net assets | £864.6k | £895.0k |
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
2
filings
- • 1 confirmation-statement
- • 1 address
Last 180 days
5
filings
- • 1 confirmation-statement
- • 1 address
- • 1 officers
Counts from Companies House filing history.
Corporate timeline (177 events)Click to expand
- 2026-02-08📍change-registered-office-address-company-with-date-old-address-new-addressaddress · AD01
- 2025-11-24📄change-person-director-company-with-change-dateofficers · CH01
- 2025-11-24📄change-to-a-person-with-significant-controlpersons-with-significant-control · PSC05
- 2025-11-11📄mortgage-create-with-deed-with-charge-number-charge-creation-datemortgage · MR01
- 2025-10-31🔒Charge registered #82Lender: Allica Bank Limited
- 2025-01-30📄accounts-with-accounts-type-total-exemption-fullaccounts · AA
- 2024-05-31📄accounts-with-accounts-type-total-exemption-fullaccounts · AA
- 2023-12-22📍change-registered-office-address-company-with-date-old-address-new-addressaddress · AD01
- 2023-11-27📄mortgage-create-with-deed-with-charge-number-charge-creation-datemortgage · MR01
- 2023-11-16🔒Charge registered #81Lender: Shawbrook Bank Limited
- 2023-11-10📄mortgage-satisfy-charge-fullmortgage · MR04
- 2023-11-10📄mortgage-satisfy-charge-partmortgage · MR04
- 2023-11-10📄mortgage-satisfy-charge-fullmortgage · MR04
- 2023-11-10📄mortgage-satisfy-charge-fullmortgage · MR04
- 2023-11-10📄mortgage-satisfy-charge-fullmortgage · MR04
- 2023-11-10📄mortgage-satisfy-charge-fullmortgage · MR04
- 2023-11-10📄mortgage-satisfy-charge-fullmortgage · MR04
- 2023-11-10📄mortgage-satisfy-charge-fullmortgage · MR04
- 2023-11-10📄mortgage-satisfy-charge-fullmortgage · MR04
- 2023-11-10📄mortgage-satisfy-charge-fullmortgage · MR04
- 2023-11-10📄mortgage-satisfy-charge-fullmortgage · MR04
- 2023-11-10📄mortgage-satisfy-charge-fullmortgage · MR04
- 2023-11-10📄mortgage-satisfy-charge-fullmortgage · MR04
- 2023-11-10📄mortgage-satisfy-charge-fullmortgage · MR04
- 2023-11-10🔓Charge satisfied #80
- 2023-11-10🔓Charge satisfied #79
- 2023-11-10🔓Charge satisfied #78
- 2023-11-10🔓Charge satisfied #77
- 2023-11-10🔓Charge satisfied #76
- 2023-11-10🔓Charge satisfied #75
- 2023-11-10🔓Charge satisfied #74
- 2023-11-10🔓Charge satisfied #73
- 2023-11-10🔓Charge satisfied #72
- 2023-11-10🔓Charge satisfied #70
- 2023-11-10🔓Charge satisfied #69
- 2023-11-10🔓Charge satisfied #68
- 2023-11-10🔓Charge satisfied #67
- 2023-11-10🔓Charge satisfied #66
- 2023-11-10🔓Charge satisfied #65
- 2023-11-10🔓Charge satisfied #64
- 2023-11-10🔓Charge satisfied #63
- 2023-11-10🔓Charge satisfied #62
- 2023-11-10🔓Charge satisfied #61
- 2023-11-10🔓Charge satisfied #60
- 2023-11-10🔓Charge satisfied #59
- 2023-11-10🔓Charge satisfied #58
- 2023-11-10🔓Charge satisfied #57
- 2023-11-10🔓Charge satisfied #56
- 2023-11-10🔓Charge satisfied #55
- 2023-11-10🔓Charge satisfied #54
Showing most recent 50 of 177 events
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 10 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
1 med · 1 lowCharge satisfaction-then-recreation pattern
mediumMultiple instances where a charge was satisfied and a new charge created within 6 months. Suggests active refinancing cycle.
12 live charges
lowHeavily leveraged with multiple live security positions — understand the capital structure before proceeding.
Group structure
2 corporate shareholders identified. Group structure is distributed.
🏛️significant stake
Dhami Property Ltd
Corporate parent · holds 25-50% shares
🏛️significant stake
Hanslink Ltd
Corporate parent · holds 25-50% shares
⬇
FOUR SEASONS REAL ESTATES LIMITED
This company · SC538507
Parent relationships inferred from Persons with Significant Control filings. Full subsidiary tree requires reverse-lookup (coming).
Shareholders & ownership
2 active beneficial owners| Name | Shares | Voting rights | Nature of control | Notified |
|---|---|---|---|---|
Dhami Property Ltd Corporate entity | 25–50% | 25–50% | 25-50% shares · 25-50% voting | 02/06/2021 |
Hanslink Ltd Corporate entity | 25–50% | 25–50% | 25-50% shares · 25-50% voting | 02/06/2021 |
1 historic (ceased) PSC
- Kingdom Holding Group Ltdceased 02/06/2021· 75-100% shares · 75-100% voting
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 · PA postcode area| Company | Est. value | Turnover | Net worth | Staff | Age | Opp | Director |
|---|---|---|---|---|---|---|---|
| ELLA & LEWIS PROPERTIES LTD→ SC801222 · est 2024 · no financials extracted | — | — | — | — | 2y | — | — |
| GARELOCH VIEW LIMITED→ SC401711 · est 2011 · no financials extracted | — | — | — | — | 14y | — | — |
| GLASCHU LETS LTD→ SC838388 · est 2025 · no financials extracted | — | — | — | — | 1y | — | — |
| GUNN GROUP LTD→ SC856853 · est 2025 · no financials extracted | — | — | — | — | — | — | — |
| HARBOR PROPERTY (SCOTLAND) LIMITED→ SC491291 · est 2014 · no financials extracted | — | — | — | — | 11y | — | — |
| HILL DRYBURGH LIMITED→ SC808230 · est 2024 · no financials extracted | — | — | — | — | 1y | — | — |
| HOMES FOR SAPIENS SUITES LTD→ SC884422 · est 2026 · no financials extracted | — | — | — | — | — | — | — |
| IHMV PROPERTY LIMITED→ SC680774 · est 2020 · no financials extracted | — | — | — | — | 5y | — | — |
| INVERGROVE LIMITED→ SC160333 · est 1995 · no financials extracted | — | — | — | — | 30y | — | — |
| JAMES CAIRN LTD→ SC686333 · est 2021 · no financials extracted | — | — | — | — | 5y | — | — |
| JES PROPERTIES LIMITED→ SC301016 · est 2006 · no financials extracted | — | — | — | — | 19y | — | — |
| JKLAW PROPERTIES LTD→ SC827829 · est 2024 · no financials extracted | — | — | — | — | 1y | — | — |
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
Incorporated2016-06-21
Jurisdictionscotland
Primary SIC68209 — Other letting and operating of own or leased real estate
Registered office
C/O Northgate Accounting Services Ltd
32 Houstoun Court
Johnstone
Renfrewshire
PA5 8DL
United Kingdom
Filing status
Accounts
Next due: 2026-05-31
Last made up to: 2024-05-31
Confirmation statement
Next due: 2027-03-17
Last: 2026-03-03
Officers (2 active · 0 resigned)
DHAMI, Satinder Singh, Dr→
Activedirector · ~48y · appointed 2016-06-21
View their other companies + combined net worth →
HANS, Jagdeep Singh, Dr→
Activedirector · ~38y · appointed 2016-06-21
View their other companies + combined net worth →
Click a director name to see their full track record across all companies.
Mortgages & charges
82
Total charges
12
Outstanding
2
Active lenders
Status:Lender:82 of 82 shown
| Type | Properties | |||||
|---|---|---|---|---|---|---|
| outstanding | Allica Bank Allica Bank Limited | A registered charge | 2 properties | 31/10/2025 | — | |
| outstanding | Shawbrook Shawbrook Bank Limited | A registered charge | 1 property | 16/11/2023 | — | |
| satisfied | Spf Bridging Spf Bridging LTD | A registered charge | 1 property | 09/01/2023 | 10/11/2023 | |
| satisfied | Spf Bridging Spf Bridging LTD | A registered charge | 1 property | 09/01/2023 | 10/11/2023 | |
| satisfied | Spf Bridging Spf Bridging LTD | A registered charge | 2 properties | 09/01/2023 | 10/11/2023 | |
| satisfied | Spf Bridging Spf Bridging LTD | A registered charge | 1 property | 09/01/2023 | 10/11/2023 | |
| satisfied | Spf Bridging Spf Bridging LTD | A registered charge | 1 property | 09/01/2023 | 10/11/2023 | |
| satisfied | Spf Bridging Spf Bridging LTD | A registered charge | 1 property | 09/01/2023 | 10/11/2023 | |
| satisfied | Spf Bridging Spf Bridging LTD | A registered charge | 1 property | 09/01/2023 | 10/11/2023 | |
| satisfied | Spf Bridging Spf Bridging LTD | A registered charge | 1 property | 09/01/2023 | 10/11/2023 | |
| satisfied | Spf Bridging Spf Bridging LTD | A registered charge | 1 property | 09/01/2023 | 10/11/2023 | |
| satisfied | Spf Bridging Spf Bridging LTD | A registered charge | 1 property | 09/01/2023 | 12/04/2023 | |
| satisfied | Spf Bridging Spf Bridging LTD | A registered charge | 1 property | 09/01/2023 | 10/11/2023 | |
| satisfied | Spf Bridging Spf Bridging LTD | A registered charge | 1 property | 09/01/2023 | 10/11/2023 | |
| satisfied | Spf Bridging Spf Bridging LTD | A registered charge | 1 property | 09/01/2023 | 10/11/2023 | |
| satisfied | Spf Bridging Spf Bridging LTD | A registered charge | 2 properties | 09/01/2023 | 10/11/2023 | |
| satisfied | Spf Bridging Spf Bridging LTD | A registered charge | 1 property | 09/01/2023 | 10/11/2023 | |
| satisfied | Spf Bridging Spf Bridging LTD | A registered charge | 1 property | 09/01/2023 | 10/11/2023 | |
| satisfied | Spf Bridging Spf Bridging LTD | A registered charge | 1 property | 09/01/2023 | 10/11/2023 | |
| satisfied | Spf Bridging Spf Bridging LTD | A registered charge | 2 properties | 09/01/2023 | 10/11/2023 | |
| satisfied | Spf Bridging Spf Bridging LTD | A registered charge | 1 property | 09/01/2023 | 10/11/2023 | |
| satisfied | Spf Bridging Spf Bridging LTD | A registered charge | 1 property | 09/01/2023 | 10/11/2023 | |
| satisfied | Spf Bridging Spf Bridging LTD | A registered charge | 1 property | 09/01/2023 | 10/11/2023 | |
| satisfied | Spf Bridging Spf Bridging LTD | A registered charge | 1 property | 09/01/2023 | 10/11/2023 | |
| satisfied | Spf Bridging Spf Bridging LTD | A registered charge | 1 property | 09/01/2023 | 10/11/2023 | |
| satisfied | Spf Bridging Spf Bridging LTD | A registered charge | 1 property | 09/01/2023 | 10/11/2023 | |
| satisfied | Spf Bridging Spf Bridging LTD | A registered charge | 1 property | 12/12/2022 | 10/11/2023 | |
| satisfied | Spf Bridging Spf Bridging LTD | A registered charge | 2 properties | 12/10/2022 | 10/11/2023 | |
| satisfied | Spf Bridging Spf Bridging LTD | A registered charge | 3 properties | 12/10/2022 | 10/11/2023 | |
| satisfied | Spf Bridging Spf Bridging LTD | A registered charge | 1 property | 12/10/2022 | 10/11/2023 | |
| satisfied | Spf Bridging Spf Bridging LTD | A registered charge | 1 property | 12/10/2022 | 10/11/2023 | |
| satisfied | Spf Bridging Spf Bridging LTD | A registered charge | 1 property | 12/10/2022 | 10/11/2023 | |
| satisfied | Spf Bridging Spf Bridging LTD | A registered charge | 1 property | 22/09/2022 | 10/11/2023 | |
| outstanding | Shawbrook Shawbrook Bank Limited | A registered charge | 1 property | 21/03/2022 | — | |
| outstanding | Shawbrook Shawbrook Bank Limited | A registered charge | 1 property | 28/02/2022 | — | |
| outstanding | Shawbrook Shawbrook Bank Limited | A registered charge | 1 property | 28/02/2022 | — | |
| outstanding | Shawbrook Shawbrook Bank Limited | A registered charge | 1 property | 28/02/2022 | — | |
| outstanding | Shawbrook Shawbrook Bank Limited | A registered charge | 1 property | 28/02/2022 | — | |
| outstanding | Shawbrook Shawbrook Bank Limited | A registered charge | 1 property | 28/02/2022 | — | |
| outstanding | Shawbrook Shawbrook Bank Limited | A registered charge | 1 property | 28/02/2022 | — | |
| outstanding | Shawbrook Shawbrook Bank Limited | A registered charge | 1 property | 28/02/2022 | — | |
| outstanding | Shawbrook Shawbrook Bank Limited | A registered charge | 1 property | 28/02/2022 | — | |
| outstanding | Shawbrook Shawbrook Bank Limited | A registered charge | 1 property | 28/02/2022 | — | |
| satisfied | Santander Santander UK PLC | A registered charge | 1 property | 23/06/2021 | 09/09/2022 | |
| satisfied | Santander Santander UK PLC | A registered charge | 1 property | 23/06/2021 | 09/09/2022 | |
| satisfied | Santander Santander UK PLC | A registered charge | 1 property | 23/06/2021 | 09/09/2022 | |
| satisfied | Santander Santander UK PLC | A registered charge | 1 property | 12/06/2021 | 09/09/2022 | |
| satisfied | Santander Santander UK PLC | A registered charge | 1 property | 12/06/2021 | 09/09/2022 | |
| satisfied | Santander Santander UK PLC | A registered charge | 2 properties | 12/06/2021 | 09/09/2022 | |
| satisfied | Santander Santander UK PLC | A registered charge | 1 property | 12/06/2021 | 09/09/2022 | |
| satisfied | Santander Santander UK PLC | A registered charge | 1 property | 12/06/2021 | 09/09/2022 | |
| satisfied | Santander Santander UK PLC | A registered charge | 1 property | 12/06/2021 | 09/09/2022 | |
| satisfied | Santander Santander UK PLC | A registered charge | 1 property | 12/06/2021 | 09/09/2022 | |
| satisfied | Santander Santander UK PLC | A registered charge | 1 property | 12/06/2021 | 09/09/2022 | |
| satisfied | Santander Santander UK PLC | A registered charge | 1 property | 12/06/2021 | 09/09/2022 | |
| satisfied | Santander Santander UK PLC | A registered charge | 1 property | 12/06/2021 | 09/09/2022 | |
| satisfied | Santander Santander UK PLC | A registered charge | 1 property | 12/06/2021 | 09/09/2022 | |
| satisfied | Santander Santander UK PLC | A registered charge | 1 property | 12/06/2021 | 09/09/2022 | |
| satisfied | Santander Santander UK PLC | A registered charge | 2 properties | 12/06/2021 | 09/09/2022 | |
| satisfied | Santander Santander UK PLC | A registered charge | 2 properties | 12/06/2021 | 09/09/2022 | |
| satisfied | Santander Santander UK PLC | A registered charge | 1 property | 12/06/2021 | 09/09/2022 | |
| satisfied | Santander Santander UK PLC | A registered charge | 1 property | 12/06/2021 | 09/09/2022 | |
| satisfied | Santander Santander UK PLC | A registered charge | 1 property | 12/06/2021 | 09/09/2022 | |
| satisfied | Santander Santander UK PLC | A registered charge | 1 property | 12/06/2021 | 09/09/2022 | |
| satisfied | Santander Santander UK PLC | A registered charge | 1 property | 12/06/2021 | 09/09/2022 | |
| satisfied | Santander Santander UK PLC | A registered charge | 1 property | 12/06/2021 | 09/09/2022 | |
| satisfied | Santander Santander UK PLC | A registered charge | 1 property | 12/06/2021 | 09/09/2022 | |
| satisfied | Santander Santander UK PLC | A registered charge | 2 properties | 12/06/2021 | 09/09/2022 | |
| satisfied | Santander Santander UK PLC | A registered charge | 1 property | 12/06/2021 | 09/09/2022 | |
| satisfied | Santander Santander UK PLC | A registered charge | 1 property | 12/06/2021 | 09/09/2022 | |
| satisfied | Santander Santander UK PLC | A registered charge | 2 properties | 12/06/2021 | 09/09/2022 | |
| satisfied | Santander Santander UK PLC | A registered charge | 1 property | 02/06/2021 | 09/09/2022 | |
| satisfied | Santander Santander UK PLC | A registered charge | 1 property | 02/06/2021 | 09/09/2022 | |
| satisfied | Santander Santander UK PLC | A registered charge | 1 property | 02/06/2021 | 09/09/2022 | |
| satisfied | Lloyds Banking Group Bank of Scotland PLC | A registered charge | 2 properties | 01/06/2020 | 07/06/2021 | |
| satisfied | Lloyds Banking Group Bank of Scotland PLC | A registered charge | 1 property | 15/02/2019 | 07/06/2021 | |
| satisfied | Lloyds Banking Group Bank of Scotland PLC | A registered charge | 1 property | 19/10/2018 | 07/06/2021 | |
| satisfied | Lloyds Banking Group Bank of Scotland PLC | A registered charge | 1 property | 31/05/2018 | 07/06/2021 | |
| satisfied | Lloyds Banking Group Bank of Scotland PLC | A registered charge | 1 property | 31/05/2018 | 07/06/2021 | |
| satisfied | Lloyds Banking Group Bank of Scotland PLC | A registered charge | 1 property | 31/05/2018 | 07/06/2021 | |
| satisfied | Wesleyan Bank Wesleyan Bank Limited | A registered charge | 2 properties | 22/08/2017 | 07/06/2021 | |
| satisfied | Wesleyan Bank Wesleyan Bank Limited | A registered charge | — | 28/06/2017 | 07/06/2021 |
Click column headers to sort. Use filters above to narrow by status and lender.
Recent filings (191 total)
confirmation-statement-with-no-updates
confirmation-statement · CS01
2026-03-26
change-registered-office-address-company-with-date-old-address-new-address
address · AD01
2026-02-08
change-person-director-company-with-change-date
officers · CH01
2025-11-24
change-to-a-person-with-significant-control
persons-with-significant-control · PSC05
2025-11-24
mortgage-create-with-deed-with-charge-number-charge-creation-date
mortgage · MR01
2025-11-11
confirmation-statement-with-no-updates
confirmation-statement · CS01
2025-03-11
accounts-with-accounts-type-total-exemption-full
accounts · AA
2025-01-30
accounts-with-accounts-type-total-exemption-full
accounts · AA
2024-05-31
confirmation-statement-with-no-updates
confirmation-statement · CS01
2024-02-21
change-registered-office-address-company-with-date-old-address-new-address
address · AD01
2023-12-22
mortgage-create-with-deed-with-charge-number-charge-creation-date
mortgage · MR01
2023-11-27
mortgage-satisfy-charge-full
mortgage · MR04
2023-11-10
mortgage-satisfy-charge-part
mortgage · MR04
2023-11-10
mortgage-satisfy-charge-full
mortgage · MR04
2023-11-10
mortgage-satisfy-charge-full
mortgage · MR04
2023-11-10