13 HOMES LIMITED
🌿Early-stageactive
13551230 · ltd · incorporated 2021-08-06
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 Aug 2024
Net worth
—
book net assets
Opportunity
67/100
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 67/100 (strong), bankability 52/100. Share purchase looks the cleaner deal structure. Biggest value-creation lever: Consolidate lender relationships. 3 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 · 3 lenders · oldest 4.0y
25/100
too messy
Refinance path is blocked by complexity. Rethink structure or expect bespoke, expensive terms.
- · Charge age ~4.0 years — mid-life; refi window approaching.
- · 3 lenders named — inter-creditor friction likely.
- · Legal-friction score 25/100 — workable, but lender will want more DD.
Data confidence
Overall: medium (74/100)Adequate coverage. AI outputs are reliable for the sections scored high; verify the rest in diligence.
Company profile
address, 2 SIC codes, incorporation date
100
Financials
1 year of iXBRL accounts extracted (no YoY comparison) + narrative notes parsed
50
Lenders & charges
7 charges (7/7 with lender, 7/7 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
5 connected companies via shared directors
60
Filing history
17 filings on record
85
Gazette notices
No matching gazette notices (standard for active companies)
60
Opportunity Score
67/100Strong
PassWatchWorth a lookStrongExceptional
Solid opportunity signal. Worth a dedicated memo and management meeting.
Business quality
50
Adequate — check latest filings for context.
Acquirability
50
Some acquirability indicators.
Risk profile
82
Few red flags.
Signal strength
100
Good data coverage for analysis.
Key financials
1 year extracted from filed iXBRL accountsCash
—
Net Worth
—
Current Assets
—
Current Liabilities
—
Financials
Extracted from Companies House accounts · accounting standard unknown| Metric | 2024-08-31 |
|---|
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
0
filings
Counts from Companies House filing history.
Corporate timeline (23 events)Click to expand
- 2025-04-28📄accounts-with-accounts-type-total-exemption-fullaccounts · AA
- 2025-02-25📄mortgage-charge-whole-release-with-charge-numbermortgage · MR05
- 2025-02-25📄mortgage-create-with-deed-with-charge-number-charge-creation-datemortgage · MR01
- 2025-02-14📄mortgage-create-with-deed-with-charge-number-charge-creation-datemortgage · MR01
- 2025-02-14🔒Charge registered #7Lender: The Mortgage Works (UK) PLC
- 2025-02-14🔒Charge registered #6Lender: The Mortgage Works (UK) PLC
- 2024-11-01📄mortgage-create-with-deed-with-charge-number-charge-creation-datemortgage · MR01
- 2024-10-28🔒Charge registered #5Lender: The Mortgage Works (UK) PLC
- 2024-09-03📄accounts-amended-with-accounts-type-total-exemption-fullaccounts · AAMD
- 2024-08-12📄accounts-with-accounts-type-total-exemption-fullaccounts · AA
- 2024-08-01📄mortgage-create-with-deed-with-charge-number-charge-creation-datemortgage · MR01
- 2024-07-26🔒Charge registered #4Lender: The Mortgage Works (UK) PLC
- 2023-06-27📄mortgage-create-with-deed-with-charge-number-charge-creation-datemortgage · MR01
- 2023-06-21🔒Charge registered #3Lender: Aldermore Bank PLC
- 2023-05-05📄accounts-with-accounts-type-total-exemption-fullaccounts · AA
- 2022-11-08📄mortgage-create-with-deed-with-charge-number-charge-creation-datemortgage · MR01
- 2022-11-04🔒Charge registered #2Lender: Fleet Mortgages Limited
- 2022-05-18📄mortgage-create-with-deed-with-charge-number-charge-creation-datemortgage · MR01
- 2022-05-04🔒Charge registered #1Lender: The Mortgage Works (UK) PLC
- 2021-08-06🏢Company incorporatedAs 13 HOMES LIMITED
- 2021-08-06➕BRAR, Sumanpreet Kaur appointeddirector
- 2021-08-06➕DHILLON, Pavneet Singh appointeddirector
- 2021-08-06📄incorporation-companyincorporation · NEWINC
Owner dependency
58/100
Moderate — manageable with handoverSome 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 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 low7 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 Pavneet Singh Dhillon Individual · British · DOB 09/1980 · age 46 | 25–50% | 25–50% | board control25-50% shares · 25-50% voting · board control | 06/08/2021 |
Mrs Sumanpreet Kaur Brar Individual · British · DOB 10/1988 · age 38 | 25–50% | 25–50% | board control25-50% shares · 25-50% voting · board control | 06/08/2021 |
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 →Similar companies
Active · Property · SL postcode area| Company | Est. value | Turnover | Net worth | Staff | Age | Opp | Director |
|---|---|---|---|---|---|---|---|
| 01 INVESTMENT LTD→ 14031897 · est 2022 · no financials extracted | — | — | — | — | 4y | — | — |
| 1 MACKENZIE STREET LTD→ 16353711 · est 2025 · no financials extracted | — | — | — | — | 1y | — | — |
| 1-2 EMBANKMENT GARDENS LIMITED→ 08322218 · est 2012 · no financials extracted | — | — | — | — | 13y | — | — |
| 1-9 PETERBOROUGH ROAD MANAGEMENT COMPANY LIMITED→ 06622108 · est 2008 · no financials extracted | — | — | — | — | 17y | — | — |
| 10 THE NURSERY LTD→ 13918828 · est 2022 · no financials extracted | — | — | — | — | 4y | — | — |
| 100 GLOBAL HOLDING COMPANY LTD→ 16067960 · est 2024 · no financials extracted | — | — | — | — | 1y | — | — |
| 109 RICHMOND AVENUE LIMITED→ 09183914 · est 2014 · no financials extracted | — | — | — | — | 11y | — | — |
| 11:11 REAL ESTATE LTD→ 16164786 · est 2025 · no financials extracted | — | — | — | — | 1y | — | — |
| 113 PROPERTY LTD→ 14104173 · est 2022 · no financials extracted | — | — | — | — | 3y | — | — |
| 127 FOXHALL LTD→ 16251909 · est 2025 · no financials extracted | — | — | — | — | 1y | — | — |
| 127-149 MEAD AVENUE RTM COMPANY LTD→ 10039947 · est 2016 · no financials extracted | — | — | — | — | 10y | — | — |
| 13 WG LTD→ 13965937 · est 2022 · no financials extracted | — | — | — | — | 4y | — | — |
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
Incorporated2021-08-06
Jurisdictionengland-wales
Primary SIC68100 — Buying and selling of own real estate
Registered office
104 Spackmans Way
Slough
SL1 2SA
England
Filing status
Accounts
Next due: 2026-05-31
Last made up to: 2024-08-31
Confirmation statement
Next due: 2026-08-19
Last: 2025-08-05
Officers (2 active · 0 resigned)
BRAR, Sumanpreet Kaur→
Activedirector · ~38y · appointed 2021-08-06
View their other companies + combined net worth →
DHILLON, Pavneet Singh→
Activedirector · ~46y · appointed 2021-08-06
View their other companies + combined net worth →
Click a director name to see their full track record across all companies.
Mortgages & charges
7
Total charges
7
Outstanding
3
Active lenders
Status:Lender:7 of 7 shown
| Type | Properties | |||||
|---|---|---|---|---|---|---|
| outstanding | The Mortgage Works (UK) The Mortgage Works (UK) PLC | A registered charge | 1 property | 14/02/2025 | — | |
| outstanding | The Mortgage Works (UK) The Mortgage Works (UK) PLC | A registered charge | 1 property | 14/02/2025 | — | |
| outstanding | The Mortgage Works (UK) The Mortgage Works (UK) PLC | A registered charge | 1 property | 28/10/2024 | — | |
| outstanding | The Mortgage Works (UK) The Mortgage Works (UK) PLC | A registered charge | 1 property | 26/07/2024 | — | |
| outstanding | Aldermore Aldermore Bank PLC | A registered charge | 1 property | 21/06/2023 | — | |
| outstanding | Fleet Mortgages Fleet Mortgages Limited | A registered charge | 1 property | 04/11/2022 | — | |
| outstanding | The Mortgage Works (UK) The Mortgage Works (UK) PLC | A registered charge | 1 property | 04/05/2022 | — |
Click column headers to sort. Use filters above to narrow by status and lender.
Recent filings (17 total)
confirmation-statement-with-no-updates
confirmation-statement · CS01
2025-08-12
accounts-with-accounts-type-total-exemption-full
accounts · AA
2025-04-28
mortgage-charge-whole-release-with-charge-number
mortgage · MR05
2025-02-25
mortgage-create-with-deed-with-charge-number-charge-creation-date
mortgage · MR01
2025-02-25
mortgage-create-with-deed-with-charge-number-charge-creation-date
mortgage · MR01
2025-02-14
mortgage-create-with-deed-with-charge-number-charge-creation-date
mortgage · MR01
2024-11-01
accounts-amended-with-accounts-type-total-exemption-full
accounts · AAMD
2024-09-03
accounts-with-accounts-type-total-exemption-full
accounts · AA
2024-08-12
confirmation-statement-with-no-updates
confirmation-statement · CS01
2024-08-06
mortgage-create-with-deed-with-charge-number-charge-creation-date
mortgage · MR01
2024-08-01
confirmation-statement-with-no-updates
confirmation-statement · CS01
2023-08-16
mortgage-create-with-deed-with-charge-number-charge-creation-date
mortgage · MR01
2023-06-27
accounts-with-accounts-type-total-exemption-full
accounts · AA
2023-05-05
mortgage-create-with-deed-with-charge-number-charge-creation-date
mortgage · MR01
2022-11-08
confirmation-statement-with-no-updates
confirmation-statement · CS01
2022-09-02