HOMES4U2 PROPERTIES LIMITED
🏛️Establishedactive
SC614109 · ltd · incorporated 2018-11-20
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 2025
Net worth
£15.0k
book net assets
Opportunity
75/100
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 with a 65-year-old founder — textbook succession opportunity.
Opportunity 75/100 (strong), bankability 57/100. Strong seller-intent signal (60/100, director aged 65). Share purchase looks the cleaner deal structure. Biggest value-creation lever: Consolidate lender relationships. 4 distinct lenders creates friction — refinance into single-lender structure for cleaner diligence. Most likely exit: share sale to pe / searcher (73/100).
🏦
Refinance opportunity
6 live charges · 4 lenders · oldest 7.2y
35/100
too messy
Refinance path is blocked by complexity. Rethink structure or expect bespoke, expensive terms.
- · Oldest live charge is 7.2 years old — likely at or near maturity.
- · 4 lenders named — inter-creditor friction likely.
- · Legal-friction score 25/100 — workable, but lender will want more DD.
Data confidence
Overall: medium (71/100)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
1 year of iXBRL accounts extracted (no YoY comparison) + narrative notes parsed
50
Lenders & charges
6 charges (6/6 with lender, 6/6 with type)
90
Directors & officers
2 officers (2 active, 2 linked, 2 with DOB)
90
Ownership & PSC
1 active PSC(s) of 1 total, 1 with control declared
90
Director network
Network not yet resolved
30
Filing history
26 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
75/100Strong
PassWatchWorth a lookStrongExceptional
Solid opportunity signal. Worth a dedicated memo and management meeting.
Business quality
65
Adequate — check latest filings for context.
Acquirability
70
Strong succession / seller-readiness signals.
Risk profile
77
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 £15,012
Key financials
1 year extracted from filed iXBRL accountsCash
—
Net Worth
£15k
Current Assets
£87k
Current Liabilities
—
Financials
Extracted from Companies House accounts · accounting standard unknown| Metric | 2025-11-30 |
|---|---|
| Total assets | £19.7k |
| Current assets | £87.2k |
| Net assets | £15.0k |
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 accounts
Last 90 days
1
filing
- • 1 accounts
Last 180 days
2
filings
- • 1 accounts
- • 1 confirmation-statement
Counts from Companies House filing history.
Corporate timeline (29 events)Click to expand
- 2026-05-07📄accounts-with-accounts-type-micro-entityaccounts · AA
- 2025-08-13📄accounts-with-accounts-type-micro-entityaccounts · AA
- 2024-08-14📄accounts-with-accounts-type-micro-entityaccounts · AA
- 2023-08-30📄accounts-with-accounts-type-micro-entityaccounts · AA
- 2022-03-04📄mortgage-create-with-deed-with-charge-number-charge-creation-datemortgage · MR01
- 2022-02-18🔒Charge registered #6Lender: Charter Court Financial Services Limited Trading as Precise Mortgages
- 2022-02-08📄mortgage-satisfy-charge-fullmortgage · MR04
- 2022-02-08📄mortgage-satisfy-charge-fullmortgage · MR04
- 2022-02-08🔓Charge satisfied #3
- 2022-02-08🔓Charge satisfied #2
- 2022-02-07📄accounts-with-accounts-type-total-exemption-fullaccounts · AA
- 2021-05-11📄mortgage-create-with-deed-with-charge-number-charge-creation-datemortgage · MR01
- 2021-05-07🔒Charge registered #5Lender: Charter Court Financial Services Limited
- 2021-02-10📄accounts-with-accounts-type-total-exemption-fullaccounts · AA
- 2020-12-23📄mortgage-create-with-deed-with-charge-number-charge-creation-datemortgage · MR01
- 2020-12-21🔒Charge registered #4Lender: Charter Court Financial Services Limited
- 2020-08-11📄mortgage-create-with-deed-with-charge-number-charge-creation-datemortgage · MR01
- 2020-08-05🔒Charge registered #3Lender: Together Commercial Finance Limited
- 2020-05-07📄mortgage-create-with-deed-with-charge-number-charge-creation-datemortgage · MR01
- 2020-05-05🔒Charge registered #2Lender: Together Commercial Finance Limited
- 2020-03-18📄accounts-with-accounts-type-total-exemption-fullaccounts · AA
- 2019-03-16📄mortgage-create-with-deed-with-charge-number-charge-creation-datemortgage · MR01
- 2019-03-12🔒Charge registered #1Lender: The Mortgage Works (UK) PLC
- 2018-12-03📄change-to-a-person-with-significant-controlpersons-with-significant-control · PSC04
- 2018-12-03📄change-person-director-company-with-change-dateofficers · CH01
- 2018-12-03📄change-person-director-company-with-change-dateofficers · CH01
- 2018-11-20🏢Company incorporatedAs HOMES4U2 PROPERTIES LIMITED
- 2018-11-20➕HUTCHINSON, Carol appointeddirector
- 2018-11-20➕HUTCHINSON, Ian 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 7 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 med ·Charge satisfaction-then-recreation pattern
mediumMultiple instances where a charge was satisfied and a new charge created within 6 months. Suggests active refinancing cycle.
Shareholders & ownership
1 active beneficial owner| Name | Shares | Voting rights | Nature of control | Notified |
|---|---|---|---|---|
Mr Ian Hutchinson Individual · British · DOB 01/1969 · age 57 | 25–50% | — | 25-50% shares | 20/11/2018 |
From Companies House Persons with Significant Control filings. Share ranges are banded per the public PSC regime.
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| JANE STREET PROPERTIES LIMITED→ SC666253 · est 2020 · no financials extracted | — | — | — | — | 5y | — | — |
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| JAY AND COMPANY LIMITED→ SC068915 · est 1979 · no financials extracted | — | — | — | — | 46y | — | — |
| JAY HOGARTY PROPERTIES LTD→ SC682684 · est 2020 · no financials extracted | — | — | — | — | 5y | — | — |
| JAYG PROPERTY LTD→ SC834921 · est 2025 · no financials extracted | — | — | — | — | 1y | — | — |
| JAYMAX PROPERTY LIMITED→ SC234165 · est 2002 · no financials extracted | — | — | — | — | 23y | — | — |
| JD BELPER LIMITED→ SC807808 · est 2024 · no financials extracted | — | — | — | — | 1y | — | — |
| JDS INVESTMENTS EDINBURGH LTD→ SC695508 · est 2021 · no financials extracted | — | — | — | — | 5y | — | — |
| JE&CA ASSOCIATES LTD→ SC606059 · est 2018 · no financials extracted | — | — | — | — | 7y | — | — |
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
Incorporated2018-11-20
Jurisdictionscotland
Primary SIC68209 — Other letting and operating of own or leased real estate
Registered office
24 Wester Kippielaw Park
Dalkeith
Midlothian
EH22 2GE
United Kingdom
Filing status
Accounts
Next due: 2027-08-31
Last made up to: 2025-11-30
Confirmation statement
Next due: 2026-12-03
Last: 2025-11-19
Officers (2 active · 0 resigned)
HUTCHINSON, Carol→
Activedirector · ~65y · appointed 2018-11-20
View their other companies + combined net worth →
HUTCHINSON, Ian→
Activedirector · ~57y · appointed 2018-11-20
View their other companies + combined net worth →
Click a director name to see their full track record across all companies.
Mortgages & charges
6
Total charges
4
Outstanding
2
Active lenders
Status:Lender:6 of 6 shown
| Type | Properties | |||||
|---|---|---|---|---|---|---|
| outstanding | Precise Mortgages Charter Court Financial Services Limited Trading as Precise Mortgages | A registered charge | 1 property | 18/02/2022 | — | |
| outstanding | Precise Mortgages Charter Court Financial Services Limited | A registered charge | 1 property | 07/05/2021 | — | |
| outstanding | Precise Mortgages Charter Court Financial Services Limited | A registered charge | 1 property | 21/12/2020 | — | |
| satisfied | Together Money Together Commercial Finance Limited | A registered charge | 5 properties | 05/08/2020 | 08/02/2022 | |
| satisfied | Together Money Together Commercial Finance Limited | A registered charge | — | 05/05/2020 | 08/02/2022 | |
| outstanding | The Mortgage Works (UK) The Mortgage Works (UK) PLC | A registered charge | 1 property | 12/03/2019 | — |
Click column headers to sort. Use filters above to narrow by status and lender.
Recent filings (26 total)
accounts-with-accounts-type-micro-entity
accounts · AA
2026-05-07
confirmation-statement-with-no-updates
confirmation-statement · CS01
2025-12-04
accounts-with-accounts-type-micro-entity
accounts · AA
2025-08-13
confirmation-statement-with-no-updates
confirmation-statement · CS01
2024-11-19
accounts-with-accounts-type-micro-entity
accounts · AA
2024-08-14
confirmation-statement-with-no-updates
confirmation-statement · CS01
2023-11-20
accounts-with-accounts-type-micro-entity
accounts · AA
2023-08-30
confirmation-statement-with-no-updates
confirmation-statement · CS01
2022-11-30
mortgage-create-with-deed-with-charge-number-charge-creation-date
mortgage · MR01
2022-03-04
mortgage-satisfy-charge-full
mortgage · MR04
2022-02-08
mortgage-satisfy-charge-full
mortgage · MR04
2022-02-08
accounts-with-accounts-type-total-exemption-full
accounts · AA
2022-02-07
confirmation-statement-with-no-updates
confirmation-statement · CS01
2021-11-19
mortgage-create-with-deed-with-charge-number-charge-creation-date
mortgage · MR01
2021-05-11
accounts-with-accounts-type-total-exemption-full
accounts · AA
2021-02-10