V&A HOUSES LTD
🌿Early-stageactive
SC788882 · ltd · incorporated 2023-11-10
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
£10.3k
book net assets
Opportunity
68/100
Strong
What this business does
Primary activity: Renting and operating of Housing Association real estate
Sector: Real estate
Investor take
PursueProperty-backed borrower. Reasonable fundamentals — worth a memo before deciding.
Opportunity 68/100 (strong), bankability 65/100. High owner-dependency — earn-out structure likely required for clean transition. Share purchase looks the cleaner deal structure. Most likely exit: share sale to pe / searcher (58/100).
🏦
Refinance opportunity
6 live charges · oldest 2.2y
50/100
clean up first
Refinance viable after a tidy-up — address the highlighted items first.
- · Newest facility, 2.2 years old — likely still in initial term.
- · Single lender — cleanest path to refinance.
- · Legal-friction score 15/100 — clean.
Data confidence
Overall: medium (73/100)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
2 active PSC(s) of 2 total, 2 with control declared
90
Director network
2 connected companies via shared directors
51
Filing history
11 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
68/100Strong
PassWatchWorth a lookStrongExceptional
Solid opportunity signal. Worth a dedicated memo and management meeting.
Business quality
50
Adequate — check latest filings for context.
Acquirability
55
Some acquirability indicators.
Risk profile
82
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 £10,290
Key financials
1 year extracted from filed iXBRL accountsCash
—
Net Worth
£10k
Current Assets
£2k
Current Liabilities
—
Financials
Extracted from Companies House accounts · accounting standard unknown| Metric | 2024-11-30 |
|---|---|
| Total assets | £435.2k |
| Current assets | £2.4k |
| Net assets | £10.3k |
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 (19 events)Click to expand
- 2025-08-05📄accounts-with-accounts-type-micro-entityaccounts · AA
- 2025-06-03📄mortgage-create-with-deed-with-charge-number-charge-creation-datemortgage · MR01
- 2025-05-20🔒Charge registered #6Lender: The Mortgage Works (UK) PLC
- 2025-03-21📄mortgage-create-with-deed-with-charge-number-charge-creation-datemortgage · MR01
- 2025-03-18🔒Charge registered #5Lender: The Mortgage Works (UK) PLC
- 2025-02-12📄mortgage-create-with-deed-with-charge-number-charge-creation-datemortgage · MR01
- 2025-02-11🔒Charge registered #4Lender: The Mortgage Works (UK) PLC
- 2025-02-07📄mortgage-satisfy-charge-fullmortgage · MR04
- 2025-02-07🔓Charge satisfied #3
- 2024-11-12📄mortgage-create-with-deed-with-charge-number-charge-creation-datemortgage · MR01
- 2024-11-12🔒Charge registered #3Lender: The Mortgage Works (UK) PLC
- 2024-03-12📄mortgage-create-with-deed-with-charge-number-charge-creation-datemortgage · MR01
- 2024-03-09🔒Charge registered #2Lender: The Mortgage Works (UK) PLC
- 2024-03-05📄mortgage-create-with-deed-with-charge-number-charge-creation-datemortgage · MR01
- 2024-03-04🔒Charge registered #1Lender: The Mortgage Works (UK) PLC
- 2023-11-10🏢Company incorporatedAs V&A HOUSES LTD
- 2023-11-10➕KUMAR, Satish appointeddirector
- 2023-11-10➕RANA, Ambalika appointeddirector
- 2023-11-10📄incorporation-companyincorporation · NEWINC
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.
- +Young company: Only 2.5 years old — management layer unlikely to be developed.
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 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 |
|---|---|---|---|---|
Mr Satish Kumar Individual · British · DOB 03/1982 · age 44 | 25–50% | 25–50% | board control25-50% shares · 25-50% voting · board control | 10/11/2023 |
Mrs Ambalika Rana Individual · British · DOB 06/1987 · age 39 | 25–50% | 25–50% | board control25-50% shares · 25-50% voting · board control | 10/11/2023 |
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 · EH postcode area| Company | Est. value | Turnover | Net worth | Staff | Age | Opp | Director |
|---|---|---|---|---|---|---|---|
| TULLYBEAGLES LIMITED→ SC352935 · est 2008 · no financials extracted | — | — | — | — | 17y | — | — |
| TWENTY TWO HOLDINGS LIMITED→ SC587584 · est 2018 · no financials extracted | — | — | — | — | 8y | — | — |
| WATERBOARD PROPERTY LTD→ SC747419 · est 2022 · no financials extracted | — | — | — | — | 3y | — | — |
| WATERLOO COMMERCIAL LTD→ SC830006 · est 2024 · no financials extracted | — | — | — | — | 1y | — | — |
| WE HOLD LETS LTD→ SC822246 · est 2024 · no financials extracted | — | — | — | — | 1y | — | — |
| WEEHI PROPERTIES LIMITED→ SC722230 · est 2022 · no financials extracted | — | — | — | — | 4y | — | — |
| WELCOME NEST LTD→ SC857985 · est 2025 · no financials extracted | — | — | — | — | — | — | — |
| WEST TOWN LIMITED→ SC340005 · est 2008 · no financials extracted | — | — | — | — | 18y | — | — |
| WFW PROPERTY LIMITED→ SC853453 · est 2025 · no financials extracted | — | — | — | — | — | — | — |
| WIDIT PROPERTIES LTD→ SC847843 · est 2025 · no financials extracted | — | — | — | — | — | — | — |
| WIGHTMAN LETTINGS LTD→ SC818153 · est 2024 · no financials extracted | — | — | — | — | 1y | — | — |
| WILLIAMS YOUNG MCKAIG LTD→ SC432135 · est 2012 · no financials extracted | — | — | — | — | 13y | — | — |
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
Incorporated2023-11-10
Jurisdictionscotland
Primary SIC68201 — Renting and operating of Housing Association real estate
Registered office
92 Silverknowes Eastway
Edinburgh
EH4 5NE
Scotland
Filing status
Accounts
Next due: 2026-08-31
Last made up to: 2024-11-30
Confirmation statement
Next due: 2026-11-23
Last: 2025-11-09
Officers (2 active · 0 resigned)
KUMAR, Satish→
Activedirector · ~44y · appointed 2023-11-10
View their other companies + combined net worth →
RANA, Ambalika→
Activedirector · ~39y · appointed 2023-11-10
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
5
Outstanding
1
Active lenders
Status:Lender:6 of 6 shown
| Type | Properties | |||||
|---|---|---|---|---|---|---|
| outstanding | The Mortgage Works (UK) The Mortgage Works (UK) PLC | A registered charge | 1 property | 20/05/2025 | — | |
| outstanding | The Mortgage Works (UK) The Mortgage Works (UK) PLC | A registered charge | 1 property | 18/03/2025 | — | |
| outstanding | The Mortgage Works (UK) The Mortgage Works (UK) PLC | A registered charge | 1 property | 11/02/2025 | — | |
| satisfied | The Mortgage Works (UK) The Mortgage Works (UK) PLC | A registered charge | 1 property | 12/11/2024 | 07/02/2025 | |
| outstanding | The Mortgage Works (UK) The Mortgage Works (UK) PLC | A registered charge | 1 property | 09/03/2024 | — | |
| outstanding | The Mortgage Works (UK) The Mortgage Works (UK) PLC | A registered charge | 2 properties | 04/03/2024 | — |
Click column headers to sort. Use filters above to narrow by status and lender.
Recent filings (11 total)
confirmation-statement-with-no-updates
confirmation-statement · CS01
2025-11-14
accounts-with-accounts-type-micro-entity
accounts · AA
2025-08-05
mortgage-create-with-deed-with-charge-number-charge-creation-date
mortgage · MR01
2025-06-03
mortgage-create-with-deed-with-charge-number-charge-creation-date
mortgage · MR01
2025-03-21
mortgage-create-with-deed-with-charge-number-charge-creation-date
mortgage · MR01
2025-02-12
mortgage-satisfy-charge-full
mortgage · MR04
2025-02-07
confirmation-statement-with-no-updates
confirmation-statement · CS01
2024-11-27
mortgage-create-with-deed-with-charge-number-charge-creation-date
mortgage · MR01
2024-11-12
mortgage-create-with-deed-with-charge-number-charge-creation-date
mortgage · MR01
2024-03-12
mortgage-create-with-deed-with-charge-number-charge-creation-date
mortgage · MR01
2024-03-05
incorporation-company
incorporation · NEWINC
2023-11-10