CHADHA RESIDENTIAL LTD
🌿Early-stageactive
SC745004 · ltd · incorporated 2022-09-21
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 Sept 2025
Net worth
—
book net assets
Opportunity
66/100
Strong
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
PursueProperty-backed borrower. Reasonable fundamentals — worth a memo before deciding.
Opportunity 66/100 (strong), bankability 62/100. 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. 4 distinct lenders creates friction — refinance into single-lender structure for cleaner diligence. Most likely exit: share sale to pe / searcher (58/100).
🏦
Refinance opportunity
7 live charges · 4 lenders · oldest 3.0y
0/100
too messy
Refinance path is blocked by complexity. Rethink structure or expect bespoke, expensive terms.
- · Newest facility, 3.0 years old — likely still in initial term.
- · 4 lenders named — inter-creditor friction likely.
- · Legal-friction score 25/100 — workable, but lender will want more DD.
Data confidence
Overall: high (80/100)Strong data coverage across all sections. AI outputs should be trusted with minimal caveats.
Company profile
address, 2 SIC codes, incorporation date
100
Financials
2 years of iXBRL accounts extracted (YoY deltas available) + narrative notes parsed
75
Lenders & charges
7 charges (7/7 with lender, 7/7 with type)
90
Directors & officers
3 officers (2 active, 3 linked, 3 with DOB)
90
Ownership & PSC
2 active PSC(s) of 2 total, 2 with control declared
90
Director network
1 connected companies via shared directors
48
Filing history
25 filings on record
85
Gazette notices
No matching gazette notices (standard for active companies)
60
Opportunity Score
66/100Strong
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
69
Some moderate concerns — review flags.
Signal strength
100
Good data coverage for analysis.
Key financials
2 years extracted from filed iXBRL accountsCash
—
Net Worth
—
Current Assets
—
Current Liabilities
—
Hover to see exact values · click legend to toggle series
Financials
Extracted from Companies House accounts · accounting standard unknown| Metric | 2025-09-30 | 2024-09-30 |
|---|---|---|
| Average employees | 200 | 200 |
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
1
filing
- • 1 accounts
Last 180 days
3
filings
- • 2 mortgage
- • 1 accounts
Counts from Companies House filing history.
Corporate timeline (38 events)Click to expand
- 2026-03-09📄accounts-with-accounts-type-total-exemption-fullaccounts · AA
- 2026-01-19📄mortgage-create-with-deed-with-charge-number-charge-creation-datemortgage · MR01
- 2026-01-09🔒Charge registered #7Lender: Godiva Mortgages Limited
- 2026-01-07📄mortgage-satisfy-charge-fullmortgage · MR04
- 2026-01-07🔓Charge satisfied #3
- 2025-10-23📄mortgage-create-with-deed-with-charge-number-charge-creation-datemortgage · MR01
- 2025-10-15🔒Charge registered #6Lender: Godiva Mortgages Limited
- 2025-10-13📄mortgage-satisfy-charge-fullmortgage · MR04
- 2025-10-13🔓Charge satisfied #2
- 2025-07-25📄mortgage-satisfy-charge-fullmortgage · MR04
- 2025-07-25📄mortgage-satisfy-charge-fullmortgage · MR04
- 2025-07-25🔓Charge satisfied #4
- 2025-07-25🔓Charge satisfied #1
- 2025-06-24📄mortgage-create-with-deed-with-charge-number-charge-creation-datemortgage · MR01
- 2025-06-19🔒Charge registered #5Lender: The Mortgage Works (UK) PLC
- 2025-06-10📄mortgage-create-with-deed-with-charge-number-charge-creation-datemortgage · MR01
- 2025-06-09🔒Charge registered #4Lender: The Mortgage Works (UK) PLC
- 2025-05-07📄accounts-with-accounts-type-total-exemption-fullaccounts · AA
- 2024-12-17➖CHADHA, Sambhav resigneddirector
- 2024-12-17📄termination-director-company-with-name-termination-dateofficers · TM01
- 2024-12-16➕CHADHA, Sambhav appointeddirector
- 2024-12-16📄appoint-person-director-company-with-name-dateofficers · AP01
- 2024-04-02📄accounts-with-accounts-type-total-exemption-fullaccounts · AA
- 2024-01-05📄mortgage-create-with-deed-with-charge-number-charge-creation-datemortgage · MR01
- 2023-12-15🔒Charge registered #3Lender: Kensington Mortgage Company Limited
- 2023-10-19📄mortgage-create-with-deed-with-charge-number-charge-creation-datemortgage · MR01
- 2023-10-18🔒Charge registered #2Lender: Aldermore Bank PLC
- 2023-05-20📄mortgage-create-with-deed-with-charge-number-charge-creation-datemortgage · MR01
- 2023-05-11🔒Charge registered #1Lender: Kensington Mortgage Company Limited
- 2022-10-13📄change-person-director-company-with-change-dateofficers · CH01
- 2022-10-13📄change-to-a-person-with-significant-controlpersons-with-significant-control · PSC04
- 2022-10-13📄change-to-a-person-with-significant-controlpersons-with-significant-control · PSC04
- 2022-10-13📄change-person-director-company-with-change-dateofficers · CH01
- 2022-10-13📍change-registered-office-address-company-with-date-old-address-new-addressaddress · AD01
- 2022-09-21🏢Company incorporatedAs CHADHA RESIDENTIAL LTD
- 2022-09-21➕CHADHA, Shweta Gandhi appointeddirector
- 2022-09-21➕CHADHA, Vikas, Dr appointeddirector
- 2022-09-21📄incorporation-companyincorporation · NEWINC
Owner dependency
81/100
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 name in company name: Company name contains director surname "CHADHA" — strong identity link between founder and business.
- +Family involvement: Multiple officers share a surname — likely family business, which concentrates governance.
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
2 med ·4 new charges in last 12 months
mediumHeavy recent charge activity can indicate refinancing pressure, aggressive leverage, or multiple lender rotation.
Evidence: 2026-01-09: A registered charge; 2025-10-15: A registered charge; 2025-06-19: A registered charge
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
2 active beneficial owners| Name | Shares | Voting rights | Nature of control | Notified |
|---|---|---|---|---|
Mrs Shweta Gandhi Chadha Individual · British · DOB 12/1973 · age 53 | 25–50% | 25–50% | 25-50% shares · 25-50% voting | 21/09/2022 |
Dr Vikas Chadha Individual · British · DOB 07/1974 · age 52 | 25–50% | 25–50% | 25-50% shares · 25-50% voting | 21/09/2022 |
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 · FK postcode area| Company | Est. value | Turnover | Net worth | Staff | Age | Opp | Director |
|---|---|---|---|---|---|---|---|
| BO'NESS SELF STORAGE CO LTD→ SC861778 · est 2025 · no financials extracted | — | — | — | — | — | — | — |
| BONSYDE PROPERTIES LTD→ SC464619 · est 2013 · no financials extracted | — | — | — | — | 12y | — | — |
| BRUCE FAITH LIMITED→ SC372037 · est 2010 · no financials extracted | — | — | — | — | 16y | — | — |
| BWJ PROPERTY LIMITED→ SC462466 · est 2013 · no financials extracted | — | — | — | — | 12y | — | — |
| CALZIEVEG HOLDINGS LIMITED→ SC824829 · est 2024 · no financials extracted | — | — | — | — | 1y | — | — |
| CANDLERIGGS INNS LIMITED→ SC265752 · est 2004 · no financials extracted | — | — | — | — | 22y | — | — |
| CASP INVESTMENT LTD→ SC858867 · est 2025 · no financials extracted | — | — | — | — | — | — | — |
| CASTLE VIEW PROPERTY SCOT LTD→ SC526575 · est 2016 · no financials extracted | — | — | — | — | 10y | — | — |
| CENTRAL SCOTLAND HOMES LIMITED→ SC351414 · est 2008 · no financials extracted | — | — | — | — | 17y | — | — |
| CHIDA LIMITED→ SC777254 · est 2023 · no financials extracted | — | — | — | — | 2y | — | — |
| CHINA PALACE (GLASGOW) LIMITED→ SC309502 · est 2006 · no financials extracted | — | — | — | — | 19y | — | — |
| CHRISTIE PROPERTY LTD→ SC649745 · est 2019 · no financials extracted | — | — | — | — | 6y | — | — |
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
Incorporated2022-09-21
Jurisdictionscotland
Primary SIC68100 — Buying and selling of own real estate
Registered office
Unit 4b Gateway Business Park
Beancross Road
Grangemouth
FK3 8WX
Scotland
Filing status
Accounts
Next due: 2027-06-30
Last made up to: 2025-09-30
Confirmation statement
Next due: 2026-10-04
Last: 2025-09-20
Officers (2 active · 1 resigned)
CHADHA, Shweta Gandhi→
Activedirector · ~53y · appointed 2022-09-21
View their other companies + combined net worth →
CHADHA, Vikas, Dr→
Activedirector · ~52y · appointed 2022-09-21
View their other companies + combined net worth →
CHADHA, Sambhav→
Resigneddirector · ~23y · appointed 2024-12-16 · resigned 2024-12-17
Click a director name to see their full track record across all companies.
Mortgages & charges
7
Total charges
3
Outstanding
2
Active lenders
Status:Lender:7 of 7 shown
| Type | Properties | |||||
|---|---|---|---|---|---|---|
| outstanding | Godiva Mortgages Godiva Mortgages Limited | A registered charge | 1 property | 09/01/2026 | — | |
| outstanding | Godiva Mortgages Godiva Mortgages Limited | A registered charge | 1 property | 15/10/2025 | — | |
| outstanding | The Mortgage Works (UK) The Mortgage Works (UK) PLC | A registered charge | 1 property | 19/06/2025 | — | |
| satisfied | The Mortgage Works (UK) The Mortgage Works (UK) PLC | A registered charge | 1 property | 09/06/2025 | 25/07/2025 | |
| satisfied | Kensington Mortgage Company Kensington Mortgage Company Limited | A registered charge | 1 property | 15/12/2023 | 07/01/2026 | |
| satisfied | Aldermore Aldermore Bank PLC | A registered charge | 1 property | 18/10/2023 | 13/10/2025 | |
| satisfied | Kensington Mortgage Company Kensington Mortgage Company Limited | A registered charge | 1 property | 11/05/2023 | 25/07/2025 |
Click column headers to sort. Use filters above to narrow by status and lender.
Recent filings (25 total)
accounts-with-accounts-type-total-exemption-full
accounts · AA
2026-03-09
mortgage-create-with-deed-with-charge-number-charge-creation-date
mortgage · MR01
2026-01-19
mortgage-satisfy-charge-full
mortgage · MR04
2026-01-07
mortgage-create-with-deed-with-charge-number-charge-creation-date
mortgage · MR01
2025-10-23
mortgage-satisfy-charge-full
mortgage · MR04
2025-10-13
confirmation-statement-with-no-updates
confirmation-statement · CS01
2025-09-22
mortgage-satisfy-charge-full
mortgage · MR04
2025-07-25
mortgage-satisfy-charge-full
mortgage · MR04
2025-07-25
mortgage-create-with-deed-with-charge-number-charge-creation-date
mortgage · MR01
2025-06-24
mortgage-create-with-deed-with-charge-number-charge-creation-date
mortgage · MR01
2025-06-10
accounts-with-accounts-type-total-exemption-full
accounts · AA
2025-05-07
termination-director-company-with-name-termination-date
officers · TM01
2024-12-17
appoint-person-director-company-with-name-date
officers · AP01
2024-12-16
confirmation-statement-with-no-updates
confirmation-statement · CS01
2024-09-27
accounts-with-accounts-type-total-exemption-full
accounts · AA
2024-04-02