1ZE ESTATE LTD

🌿Early-stageactive
SC788004 · ltd · incorporated 2023-11-02
Investment thesis
Property vehicle with a workable charge structure — clean refinance potential.
Why interesting: Asset-backed; value largely in underlying property; lender engagement likely possible.
Why risky: Dependent on title and valuation due diligence; standard property risks.
🔒Estimated value
Upgrade to see
Turnover
year to Nov 2024
Net worth
book net assets
Opportunity
71/100
Strong
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What this business does
Primary activity: Renting and operating of Housing Association real estate
Sector: Real estate
Investor take
Pursue
Strong opportunity: property-backed borrower with strong profile and bankable structure.

Opportunity 71/100 (strong), bankability 75/100. High owner-dependency — earn-out structure likely required for clean transition. Share purchase looks the cleaner deal structure. Biggest value-creation lever: Broaden director team. Sole director creates succession risk and reduces buyer comfort. Appoint a second director or strong #2. Most likely exit: share sale to pe / searcher (58/100).

🏦

Refinance opportunity

2 live charges · oldest 1.4y

50/100
clean up first

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

  • · Newest facility, 1.4 years old — likely still in initial term.
  • · Single lender — cleanest path to refinance.
  • · Legal-friction score 15/100 — clean.

Data confidence

Overall: medium (70/100)

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
2 charges (2/2 with lender, 2/2 with type)
90
Directors & officers
1 officers (1 active, 1 linked, 1 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
9 filings
60
Gazette notices
No matching gazette notices (standard for active companies)
60
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.

Key financials

1 year extracted from filed iXBRL accounts
Cash
Net Worth
Current Assets
Current Liabilities

Financials

Extracted from Companies House accounts · FRS 102
Metric2024-11-30
Average employees0

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

🔒Filing-note intelligence

1 signal 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
1
filing
  • 1 confirmation-statement
Counts from Companies House filing history.
Corporate timeline (11 events)Click to expand
  1. 2025-07-24
    📄
    accounts-with-accounts-type-total-exemption-full
    accounts · AA
  2. 2025-01-03
    📄
    mortgage-create-with-deed-with-charge-number-charge-creation-date
    mortgage · MR01
  3. 2024-12-20
    🔒
    Charge registered #2
    Lender: The Mortgage Works (UK) PLC
  4. 2024-12-18
    📄
    mortgage-create-with-deed-with-charge-number-charge-creation-date
    mortgage · MR01
  5. 2024-12-06
    🔒
    Charge registered #1
    Lender: The Mortgage Works (UK) PLC
  6. 2024-11-06
    📍
    change-registered-office-address-company-with-date-old-address-new-address
    address · AD01
  7. 2023-11-28
    ✏️
    certificate-change-of-name-company
    change-of-name · CERTNM
  8. 2023-11-28
    📄
    resolution
    resolution · RESOLUTIONS
  9. 2023-11-02
    🏢
    Company incorporated
    As 1ZE ESTATE LTD
  10. 2023-11-02
    GJOKA, Andrea appointed
    director
  11. 2023-11-02
    📄
    incorporation-company
    incorporation · NEWINC

Owner dependency

80/100
Critical — business is the founder

The business appears inseparable from the founder. Acquisition without a serious earn-out or meaningful transition period would likely destroy value.

FACTORS
  • +Sole director: Only one active director — all governance concentrated on one person.
  • +Young company: Only 2.5 years old — management layer unlikely to be developed.

Succession & seller-readiness

45/100
Moderate signal

Some succession indicators present. Worth watching; approach if sector/strategy fits.

SIGNALS
  • primarySole active director: Only one director in control. No visible successor — buyers solve the succession problem.

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

1 active beneficial owner · dominant holder ≥75%
NameSharesVoting rightsNature of controlNotified
Andrea Gjoka
Individual · Albanian · DOB 10/1987 · age 39
75100%
75–100%board control75-100% shares · 75-100% voting · board control02/11/2023

From Companies House Persons with Significant Control filings. Share ranges are banded per the public PSC regime.

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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
Incorporated2023-11-02
Jurisdictionscotland
Primary SIC68201 — Renting and operating of Housing Association real estate

Registered office

165 Gorgie Road
Edinburgh
EH11 1TJ
Scotland

Filing status

Accounts
Next due: 2026-08-31
Last made up to: 2024-11-30
Confirmation statement
Next due: 2026-11-15
Last: 2025-11-01

Officers (1 active · 0 resigned)

GJOKA, Andrea
director · ~39y · appointed 2023-11-02
View their other companies + combined net worth →
Active

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

Mortgages & charges

2
Total charges
2
Outstanding
1
Active lenders
Status:Lender:2 of 2 shown
TypeProperties
outstanding
The Mortgage Works (UK)
The Mortgage Works (UK) PLC
A registered charge1 property20/12/2024
outstanding
The Mortgage Works (UK)
The Mortgage Works (UK) PLC
A registered charge1 property06/12/2024
Click column headers to sort. Use filters above to narrow by status and lender.

Recent filings (9 total)

confirmation-statement-with-no-updates
confirmation-statement · CS01
2025-11-04
accounts-with-accounts-type-total-exemption-full
accounts · AA
2025-07-24
mortgage-create-with-deed-with-charge-number-charge-creation-date
mortgage · MR01
2025-01-03
mortgage-create-with-deed-with-charge-number-charge-creation-date
mortgage · MR01
2024-12-18
confirmation-statement-with-no-updates
confirmation-statement · CS01
2024-11-06
change-registered-office-address-company-with-date-old-address-new-address
address · AD01
2024-11-06
certificate-change-of-name-company
change-of-name · CERTNM
2023-11-28
resolution
resolution · RESOLUTIONS
2023-11-28
incorporation-company
incorporation · NEWINC
2023-11-02