CITY LIVING SOLUTIONS LTD.
🏛️Establishedactive
SC549737 · ltd · incorporated 2016-11-09
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 Nov 2024
Net worth
£-40.7k
book net assets
Opportunity
74/100
Strong
What this business does
Primary activity: Other letting and operating of own or leased real estate
Sector: Real estate
Investor take
Pass (distressed without resilience)Distressed property-backed borrower — structural issues outweigh the discount.
Opportunity 74/100 (strong), bankability 70/100. Strong seller-intent signal (60/100, director aged 65). Share purchase looks the cleaner deal structure. Most likely exit: share sale to pe / searcher (73/100).
🏦
Refinance opportunity
5 live charges · 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: 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
5 charges (5/5 with lender, 5/5 with type)
90
Directors & officers
2 officers (2 active, 2 linked, 2 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
27 filings on record
85
Gazette notices
No matching gazette notices (standard for active companies)
60
Opportunity Score
74/100Strong
PassWatchWorth a lookStrongExceptional
Solid opportunity signal. Worth a dedicated memo and management meeting.
Business quality
55
Adequate — check latest filings for context.
Acquirability
70
Strong succession / seller-readiness signals.
Risk profile
82
Few red flags.
Signal strength
100
Good data coverage for analysis.
Signals from accounts
Derived from iXBRL accounts · accounting standard not declaredNegative net assets
Liabilities exceed assets by £40,722
Cash YoY
+107%
Year on year
Key financials
2 years extracted from filed iXBRL accountsCash
£9k
↑ 107% YoY
Net Worth
-£41k
↓ 3.1% YoY
Current Assets
£10k
Current Liabilities
—
Hover to see exact values · click legend to toggle series
Financials
Extracted from Companies House accounts · accounting standard unknown| Metric | 2024-11-30 | 2023-11-30 |
|---|---|---|
| Total assets | £-40.7k | £-39.5k |
| Current assets | £9.7k | — |
| Cash | £9.5k | £4.6k |
| Debtors | £228 | — |
| Net assets | £-40.7k | £-39.5k |
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
0
filings
Last 180 days
2
filings
- • 1 confirmation-statement
- • 1 persons-with-significant-control
Counts from Companies House filing history.
Corporate timeline (24 events)Click to expand
- 2025-11-21📄change-to-a-person-with-significant-controlpersons-with-significant-control · PSC04
- 2025-08-14📄accounts-with-accounts-type-total-exemption-fullaccounts · AA
- 2025-05-13📄mortgage-create-with-deed-with-charge-number-charge-creation-datemortgage · MR01
- 2025-05-09🔒Charge registered #5Lender: The Mortgage Works (UK) PLC
- 2025-05-07📄mortgage-create-with-deed-with-charge-number-charge-creation-datemortgage · MR01
- 2025-04-30🔒Charge registered #4Lender: The Mortgage Works (UK) PLC
- 2025-04-15📄mortgage-create-with-deed-with-charge-number-charge-creation-datemortgage · MR01
- 2025-04-04🔒Charge registered #3Lender: The Mortgage Works (UK) PLC
- 2025-02-27📄mortgage-create-with-deed-with-charge-number-charge-creation-datemortgage · MR01
- 2025-02-25🔒Charge registered #2Lender: The Mortgage Works (UK) PLC
- 2025-01-27📄mortgage-create-with-deed-with-charge-number-charge-creation-datemortgage · MR01
- 2025-01-23🔒Charge registered #1Lender: The Mortgage Works (UK) PLC
- 2024-08-21📄accounts-with-accounts-type-total-exemption-fullaccounts · AA
- 2023-08-22📄accounts-with-accounts-type-total-exemption-fullaccounts · AA
- 2022-07-26📄accounts-with-accounts-type-total-exemption-fullaccounts · AA
- 2022-01-26📄gazette-filings-brought-up-to-dategazette · DISS40
- 2022-01-25📄gazette-notice-compulsorygazette · GAZ1
- 2021-08-24📄accounts-with-accounts-type-total-exemption-fullaccounts · AA
- 2020-08-11📄accounts-with-accounts-type-total-exemption-fullaccounts · AA
- 2019-08-19📄accounts-with-accounts-type-total-exemption-fullaccounts · AA
- 2018-07-24📄accounts-with-accounts-type-total-exemption-fullaccounts · AA
- 2016-11-09🏢Company incorporatedAs CITY LIVING SOLUTIONS LTD.
- 2016-11-09➕SHOKER, Jasbinder appointeddirector
- 2016-11-09➕SHOKER, Satnam Singh appointeddirector
Owner dependency
86/100
Critical — business is the founderThe business appears inseparable from the founder. Acquisition without a serious earn-out or meaningful transition period would likely destroy value.
FACTORS
- +Two-director setup: Only two active directors — typical of owner-managed SMEs but limits succession.
- +Founder age: Director aged approximately 65 — succession pressure is live.
- +Family involvement: Multiple officers share a surname — likely family business, which concentrates governance.
- +No director turnover: Company is 9 years old with no director changes — suggests a very tight-knit founder team never broadened.
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 65. Approaching typical UK retirement age — succession thinking likely.
- secondaryTwo-director governance: Small-team governance. Succession depth is thin but not absent.
Red flags
1 low5 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 |
|---|---|---|---|---|
Jasbinder Shoker Individual · British · DOB 12/1967 · age 59 | 25–50% | 25–50% | 25-50% shares · 25-50% voting | 09/11/2016 |
Mr Satnam Singh Shoker Individual · British · DOB 03/1961 · age 65 | 25–50% | 25–50% | 25-50% shares · 25-50% voting | 09/11/2016 |
From Companies House Persons with Significant Control filings. Share ranges are banded per the public PSC regime.
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|---|---|---|---|---|---|---|---|
| CASTLEWOOD PARK LIMITED→ SC267888 · est 2004 · no financials extracted | — | — | — | — | 21y | — | — |
| COOK HOMES ABERDEENSHIRE LIMITED→ SC877863 · est 2026 · no financials extracted | — | — | — | — | — | — | — |
| COOPS ESTATES LTD→ SC865556 · est 2025 · no financials extracted | — | — | — | — | — | — | — |
| COUNSELLING SPACE SCOTLAND LTD→ SC617733 · est 2019 · no financials extracted | — | — | — | — | 7y | — | — |
| CRAIGTON DEVELOPMENTS LIMITED→ SC199421 · est 1999 · no financials extracted | — | — | — | — | 26y | — | — |
| CRATER LIMITED→ SC257950 · est 2003 · no financials extracted | — | — | — | — | 22y | — | — |
| CREAAM LIMITED→ SC394705 · est 2011 · no financials extracted | — | — | — | — | 15y | — | — |
| CULPHIN LTD→ SC828219 · est 2024 · no financials extracted | — | — | — | — | 1y | — | — |
| CULTS ENTERPRISES LTD→ SC799754 · est 2024 · no financials extracted | — | — | — | — | 2y | — | — |
| CULZEAN GRANITE PROPERTIES LIMITED→ SC883948 · est 2026 · no financials extracted | — | — | — | — | — | — | — |
| D.A.C.K. PROPERTIES LIMITED→ SC462942 · est 2013 · no financials extracted | — | — | — | — | 12y | — | — |
| DALES PROPERTIES (SCOTLAND) LIMITED→ SC185833 · est 1998 · no financials extracted | — | — | — | — | 27y | — | — |
Peers ranked by estimated value, then turnover, then opportunity score.See all →
🔒Tailored diligence questions
9 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
Incorporated2016-11-09
Jurisdictionscotland
Primary SIC68209 — Other letting and operating of own or leased real estate
Registered office
19 Bon Accord Crescent
Aberdeen
AB11 6DE
Scotland
Filing status
Accounts
Next due: 2026-08-31
Last made up to: 2024-11-30
Confirmation statement
Next due: 2026-12-26
Last: 2025-12-12
Officers (2 active · 0 resigned)
SHOKER, Jasbinder→
Activedirector · ~59y · appointed 2016-11-09
View their other companies + combined net worth →
SHOKER, Satnam Singh→
Activedirector · ~65y · appointed 2016-11-09
View their other companies + combined net worth →
Click a director name to see their full track record across all companies.
Mortgages & charges
5
Total charges
5
Outstanding
1
Active lenders
Status:Lender:5 of 5 shown
| Type | Properties | |||||
|---|---|---|---|---|---|---|
| outstanding | The Mortgage Works (UK) The Mortgage Works (UK) PLC | A registered charge | 1 property | 09/05/2025 | — | |
| outstanding | The Mortgage Works (UK) The Mortgage Works (UK) PLC | A registered charge | 1 property | 30/04/2025 | — | |
| outstanding | The Mortgage Works (UK) The Mortgage Works (UK) PLC | A registered charge | 3 properties | 04/04/2025 | — | |
| outstanding | The Mortgage Works (UK) The Mortgage Works (UK) PLC | A registered charge | 1 property | 25/02/2025 | — | |
| outstanding | The Mortgage Works (UK) The Mortgage Works (UK) PLC | A registered charge | 3 properties | 23/01/2025 | — |
Click column headers to sort. Use filters above to narrow by status and lender.
Recent filings (27 total)
confirmation-statement-with-no-updates
confirmation-statement · CS01
2025-12-12
change-to-a-person-with-significant-control
persons-with-significant-control · PSC04
2025-11-21
accounts-with-accounts-type-total-exemption-full
accounts · AA
2025-08-14
mortgage-create-with-deed-with-charge-number-charge-creation-date
mortgage · MR01
2025-05-13
mortgage-create-with-deed-with-charge-number-charge-creation-date
mortgage · MR01
2025-05-07
mortgage-create-with-deed-with-charge-number-charge-creation-date
mortgage · MR01
2025-04-15
mortgage-create-with-deed-with-charge-number-charge-creation-date
mortgage · MR01
2025-02-27
mortgage-create-with-deed-with-charge-number-charge-creation-date
mortgage · MR01
2025-01-27
confirmation-statement-with-updates
confirmation-statement · CS01
2024-12-12
accounts-with-accounts-type-total-exemption-full
accounts · AA
2024-08-21
confirmation-statement-with-updates
confirmation-statement · CS01
2024-01-30
accounts-with-accounts-type-total-exemption-full
accounts · AA
2023-08-22
confirmation-statement-with-no-updates
confirmation-statement · CS01
2023-03-03
accounts-with-accounts-type-total-exemption-full
accounts · AA
2022-07-26
confirmation-statement-with-no-updates
confirmation-statement · CS01
2022-02-11