THE VIVID PIXELS HOMES LTD

🌿Early-stageactive
SC708885 · ltd · incorporated 2021-09-08
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.
Opportunity decay
approaching window · 12-months
Approaching a transaction window — refinance or sale event plausible in the next 12 months.
  • · Oldest live charge 4.5y old — refinance window within 12 months
🔒Estimated value
Upgrade to see
Turnover
year to Sept 2024
Net worth
£2.4k
book net assets
Opportunity
71/100
Strong
🔔
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What this business does
Primary activity: Buying and selling of own real estate
Sector: Real estate
ALSO REGISTERED FOR
  • 68201Renting and operating of Housing Association real estate
  • 68209Other letting and operating of own or leased real estate
  • 68320Management of real estate on a fee or contract basis
Investor take
Pursue
Strong opportunity: property-backed borrower with strong profile and acceptable with review structure.

Opportunity 71/100 (strong), bankability 60/100. Share purchase looks the cleaner deal structure. Most likely exit: share sale to pe / searcher (58/100).

🏦

Refinance opportunity

5 live charges · 2 lenders · oldest 4.5y

60/100
clean up first

Refinance viable after a tidy-up — address the highlighted items first.

  • · Charge age ~4.5 years — mid-life; refi window approaching.
  • · Two lenders — manageable, but coordination required.
  • · Legal-friction score 15/100 — clean.

Data confidence

Overall: high (81/100)

Strong data coverage across all sections. AI outputs should be trusted with minimal caveats.

Company profile
address, 4 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
3 connected companies via shared directors
54
Filing history
22 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
71/100Strong
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
85
Few red flags.
Signal strength
100
Good data coverage for analysis.

Signals from accounts

Derived from iXBRL accounts · accounting standard not declared
Positive net assets
Net assets £2,376

Key financials

2 years extracted from filed iXBRL accounts
Cash
Net Worth
£2k
↑ 32% YoY
Current Assets
£6k
↓ 24% YoY
Current Liabilities
£0£2k£3k£5k£6k£8kSept 2023Sept 2024

Hover to see exact values · click legend to toggle series

Financials

Extracted from Companies House accounts · accounting standard unknown
Metric2024-09-302023-09-30
Total assets£721.2k£586.4k
Current assets£6.0k£7.9k
Net assets£2.4k£1.8k

Amounts extracted automatically from iXBRL. Fields left blank were not reported or not mapped. Values in GBP unless stated.

Recent activity

Last 30 days
0
filings
Last 90 days
0
filings
Last 180 days
0
filings
Counts from Companies House filing history.
Corporate timeline (26 events)Click to expand
  1. 2025-11-08
    📄
    change-person-director-company-with-change-date
    officers · CH01
  2. 2025-11-08
    📄
    change-to-a-person-with-significant-control
    persons-with-significant-control · PSC04
  3. 2025-11-07
    📄
    change-person-director-company-with-change-date
    officers · CH01
  4. 2025-11-07
    📄
    change-to-a-person-with-significant-control
    persons-with-significant-control · PSC04
  5. 2025-11-07
    📄
    change-person-director-company-with-change-date
    officers · CH01
  6. 2025-06-28
    📄
    accounts-with-accounts-type-micro-entity
    accounts · AA
  7. 2024-06-28
    📄
    accounts-with-accounts-type-micro-entity
    accounts · AA
  8. 2024-03-19
    📄
    mortgage-satisfy-charge-full
    mortgage · MR04
  9. 2024-03-19
    🔓
    Charge satisfied #1
  10. 2024-02-28
    📄
    mortgage-create-with-deed-with-charge-number-charge-creation-date
    mortgage · MR01
  11. 2024-02-27
    🔒
    Charge registered #5
    Lender: The Mortgage Works (UK) PLC
  12. 2023-12-28
    📄
    mortgage-create-with-deed-with-charge-number-charge-creation-date
    mortgage · MR01
  13. 2023-12-14
    🔒
    Charge registered #4
    Lender: The Mortgage Works (UK) PLC
  14. 2023-06-08
    📄
    accounts-with-accounts-type-micro-entity
    accounts · AA
  15. 2023-05-18
    📄
    mortgage-create-with-deed-with-charge-number-charge-creation-date
    mortgage · MR01
  16. 2023-05-12
    🔒
    Charge registered #3
    Lender: The Mortgage Works (UK) PLC
  17. 2022-10-11
    📄
    mortgage-create-with-deed-with-charge-number-charge-creation-date
    mortgage · MR01
  18. 2022-10-07
    🔒
    Charge registered #2
    Lender: The Mortgage Works (UK) PLC
  19. 2022-05-11
    📍
    change-registered-office-address-company-with-date-old-address-new-address
    address · AD01
  20. 2022-05-11
    📍
    change-registered-office-address-company-with-date-old-address-new-address
    address · AD01
  21. 2021-12-20
    📄
    mortgage-create-with-deed-with-charge-number-charge-creation-date
    mortgage · MR01
  22. 2021-12-01
    🔒
    Charge registered #1
    Lender: Charter Court Financial Services Limited Trading as Precise Mortgages
  23. 2021-09-08
    🏢
    Company incorporated
    As THE VIVID PIXELS HOMES LTD
  24. 2021-09-08
    HENERY STEPHEN RAJ, Saral appointed
    director
  25. 2021-09-08
    SANTHANA KUMAR, Karthik Saravanan appointed
    director
  26. 2021-09-08
    📄
    incorporation-company
    incorporation · NEWINC

Owner dependency

58/100
Moderate — manageable with handover

Some founder dependency, but not acute. A structured handover period should cover most risk.

FACTORS
  • +Two-director setup: Only two active directors — typical of owner-managed SMEs but limits succession.

Succession & seller-readiness

36/100
Weak signal

Limited 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

clean
No 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
NameSharesVoting rightsNature of controlNotified
Mr Karthik Saravanan Santhana Kumar
Individual · British · DOB 06/1980 · age 46
2550%
25–50%board control25-50% shares · 25-50% voting · board control08/09/2021
Mrs Saral Henery Stephen Raj
Individual · British · DOB 07/1987 · age 39
2550%
25–50%board control25-50% shares · 25-50% voting · board control08/09/2021

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

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
Incorporated2021-09-08
Jurisdictionscotland
Primary SIC68100 — Buying and selling of own real estate

Registered office

3 Cammo Tower Mews
Edinburgh
EH4 8GD
Scotland

Filing status

Accounts
Next due: 2026-06-30
Last made up to: 2024-09-30
Confirmation statement
Next due: 2026-11-11
Last: 2025-10-28

Officers (2 active · 0 resigned)

HENERY STEPHEN RAJ, Saral
director · ~39y · appointed 2021-09-08
View their other companies + combined net worth →
Active
SANTHANA KUMAR, Karthik Saravanan
director · ~46y · appointed 2021-09-08
View their other companies + combined net worth →
Active

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

Mortgages & charges

5
Total charges
4
Outstanding
1
Active lenders
Status:Lender:5 of 5 shown
TypeProperties
outstanding
The Mortgage Works (UK)
The Mortgage Works (UK) PLC
A registered charge1 property27/02/2024
outstanding
The Mortgage Works (UK)
The Mortgage Works (UK) PLC
A registered charge3 properties14/12/2023
outstanding
The Mortgage Works (UK)
The Mortgage Works (UK) PLC
A registered charge1 property12/05/2023
outstanding
The Mortgage Works (UK)
The Mortgage Works (UK) PLC
A registered charge1 property07/10/2022
satisfied
Precise Mortgages
Charter Court Financial Services Limited Trading as Precise Mortgages
A registered charge1 property01/12/202119/03/2024
Click column headers to sort. Use filters above to narrow by status and lender.

Recent filings (22 total)

confirmation-statement-with-updates
confirmation-statement · CS01
2025-11-10
change-person-director-company-with-change-date
officers · CH01
2025-11-08
change-to-a-person-with-significant-control
persons-with-significant-control · PSC04
2025-11-08
change-person-director-company-with-change-date
officers · CH01
2025-11-07
change-to-a-person-with-significant-control
persons-with-significant-control · PSC04
2025-11-07
change-person-director-company-with-change-date
officers · CH01
2025-11-07
accounts-with-accounts-type-micro-entity
accounts · AA
2025-06-28
confirmation-statement-with-updates
confirmation-statement · CS01
2024-11-04
accounts-with-accounts-type-micro-entity
accounts · AA
2024-06-28
mortgage-satisfy-charge-full
mortgage · MR04
2024-03-19
mortgage-create-with-deed-with-charge-number-charge-creation-date
mortgage · MR01
2024-02-28
mortgage-create-with-deed-with-charge-number-charge-creation-date
mortgage · MR01
2023-12-28
confirmation-statement-with-no-updates
confirmation-statement · CS01
2023-11-08
accounts-with-accounts-type-micro-entity
accounts · AA
2023-06-08
mortgage-create-with-deed-with-charge-number-charge-creation-date
mortgage · MR01
2023-05-18