B & J HARRIS PROPERTIES LTD
🏛️Establishedactive
13321196 · ltd · incorporated 2021-04-08
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.
🔒Estimated value
—
Upgrade to see
Turnover
—
year to Apr 2025
Net worth
£207.7k
book net assets
Opportunity
66/100
Strong
What this business does
Primary activity: Other letting and operating of own or leased real estate
Sector: Real estate
Investor take
PursueProperty-backed borrower. Reasonable fundamentals — worth a memo before deciding.
Opportunity 66/100 (strong), bankability 57/100. 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. 7 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 · 5 lenders · oldest 3.3y
5/100
under pressure
Refinance would be pressure-driven, not opportunity-driven. Expect tighter margins and covenant scrutiny.
- · Charge age ~3.3 years — mid-life; refi window approaching.
- · 5 lenders named — inter-creditor friction likely.
- · Cashflow trend is negative — lender view likely cautious.
Data confidence
Overall: medium (78/100)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
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
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
Network not yet resolved
30
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
66/100Strong
PassWatchWorth a lookStrongExceptional
Solid opportunity signal. Worth a dedicated memo and management meeting.
Business quality
55
Adequate — check latest filings for context.
Acquirability
50
Some acquirability indicators.
Risk profile
74
Few red flags.
Signal strength
100
Good data coverage for analysis.
Signals from accounts
Derived from iXBRL accounts · FRS 102Positive net assets
Net assets £207,747
Cash YoY
-24%
Year on year
Key financials
2 years extracted from filed iXBRL accountsCash
£27k
↓ 24% YoY
Net Worth
£208k
↑ 26% YoY
Current Assets
£3.2m
↑ 73% YoY
Current Liabilities
—
Hover to see exact values · click legend to toggle series
Financials
Extracted from Companies House accounts · FRS 102| Metric | 2025-04-30 | 2024-04-30 |
|---|---|---|
| Total assets | £1.35M | £673.6k |
| Current assets | £3.24M | £1.88M |
| Cash | £27.0k | £35.7k |
| Debtors | £3.22M | £1.84M |
| Net assets | £207.7k | £164.4k |
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 confirmation-statement
Last 180 days
1
filing
- • 1 confirmation-statement
Counts from Companies House filing history.
Corporate timeline (29 events)Click to expand
- 2025-12-05📄accounts-with-accounts-type-unaudited-abridgedaccounts · AA
- 2025-10-22📍change-registered-office-address-company-with-date-old-address-new-addressaddress · AD01
- 2025-05-27📄mortgage-create-with-deed-with-charge-number-charge-creation-datemortgage · MR01
- 2025-05-27🔒Charge registered #7Lender: Paragon Bank PLC
- 2025-05-02📄mortgage-satisfy-charge-fullmortgage · MR04
- 2025-05-02📄mortgage-satisfy-charge-fullmortgage · MR04
- 2025-05-02🔓Charge satisfied #4
- 2025-05-02🔓Charge satisfied #3
- 2025-04-28📄mortgage-create-with-deed-with-charge-number-charge-creation-datemortgage · MR01
- 2025-04-25🔒Charge registered #6Lender: Paragon Bank PLC
- 2025-01-13📄mortgage-create-with-deed-with-charge-number-charge-creation-datemortgage · MR01
- 2025-01-08🔒Charge registered #5Lender: Hayward Pensions Limited (Cn 11101051)
- 2024-12-04📄accounts-with-accounts-type-unaudited-abridgedaccounts · AA
- 2024-10-22📄mortgage-create-with-deed-with-charge-number-charge-creation-datemortgage · MR01
- 2024-10-22📄mortgage-create-with-deed-with-charge-number-charge-creation-datemortgage · MR01
- 2024-10-16🔒Charge registered #4Lender: Tuscan Capital Limited
- 2024-10-16🔒Charge registered #3Lender: Tuscan Capital Limited
- 2024-01-31📄accounts-with-accounts-type-unaudited-abridgedaccounts · AA
- 2023-05-30📄mortgage-create-with-deed-with-charge-number-charge-creation-datemortgage · MR01
- 2023-05-26🔒Charge registered #2Lender: Paratus Amc Limited
- 2023-04-18📄mortgage-create-with-deed-with-charge-number-charge-creation-datemortgage · MR01
- 2023-04-06🔒Charge registered #1Lender: Kensington Mortgage Company Limited
- 2023-01-06📄accounts-with-accounts-type-unaudited-abridgedaccounts · AA
- 2021-04-09📄change-person-director-company-with-change-dateofficers · CH01
- 2021-04-09📄change-person-director-company-with-change-dateofficers · CH01
- 2021-04-08🏢Company incorporatedAs B & J HARRIS PROPERTIES LTD
- 2021-04-08➕HARRIS, Bjorn James Dominic appointeddirector
- 2021-04-08➕HARRIS, Julie Elizabeth appointeddirector
- 2021-04-08📄incorporation-companyincorporation · NEWINC
Owner dependency
86/100
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 "HARRIS" — strong identity link between founder and business.
- +Family involvement: Multiple officers share a surname — likely family business, which concentrates governance.
- +No director turnover: Company is 5 years old with no director changes — suggests a very tight-knit founder team never broadened.
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 med · 1 lowCharge satisfaction-then-recreation pattern
mediumMultiple instances where a charge was satisfied and a new charge created within 6 months. Suggests active refinancing cycle.
5 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 Bjorn James Dominic Harris Individual · British · DOB 01/1978 · age 48 | 25–50% | 25–50% | 25-50% shares · 25-50% voting | 08/04/2021 |
Mrs Julie Elizabeth Harris Individual · British · DOB 07/1979 · age 47 | 25–50% | 25–50% | 25-50% shares · 25-50% voting | 08/04/2021 |
From Companies House Persons with Significant Control filings. Share ranges are banded per the public PSC regime.
Similar companies
Active · Property · SP postcode area| Company | Est. value | Turnover | Net worth | Staff | Age | Opp | Director |
|---|---|---|---|---|---|---|---|
| BARAKAT PROPERTIES BIRMINGHAM LIMITED→ 17041987 · est 2026 · no financials extracted | — | — | — | — | — | — | — |
| BARB PROPERTIES LTD→ 09943787 · est 2016 · no financials extracted | — | — | — | — | 10y | — | — |
| BARCHAM LIMITED→ 08860732 · est 2014 · no financials extracted | — | — | — | — | 12y | — | — |
| BARCHESTER LETTINGS LTD→ 05010295 · est 2004 · no financials extracted | — | — | — | — | 22y | — | — |
| BARDEN LAND AND PROPERTY LIMITED→ 14934664 · est 2023 · no financials extracted | — | — | — | — | 2y | — | — |
| BARFORD DOWN HOMES LTD.→ 09695249 · est 2015 · no financials extracted | — | — | — | — | 10y | — | — |
| BARNACK BUSINESS CENTRE LIMITED→ 02223111 · est 1988 · no financials extracted | — | — | — | — | 38y | — | — |
| BASSETS PROPERTY SERVICES LTD→ 05040076 · est 2004 · no financials extracted | — | — | — | — | 22y | — | — |
| BATH & WEST COUNTIES PROPERTY TRUST LIMITED→ 00337609 · est 1938 · no financials extracted | — | — | — | — | 88y | — | — |
| BATSON PROPERTY HOLDINGS LTD→ 16996233 · est 2026 · no financials extracted | — | — | — | — | — | — | — |
| BAXTERS ESTATES LTD→ 07712221 · est 2011 · no financials extracted | — | — | — | — | 14y | — | — |
| BAYET ASSETS LIMITED→ 14369703 · est 2022 · no financials extracted | — | — | — | — | 3y | — | — |
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
Incorporated2021-04-08
Jurisdictionengland-wales
Primary SIC68209 — Other letting and operating of own or leased real estate
Registered office
9 Barnack Business Centre
Blakey Road
Salisbury
Wiltshire
SP1 2LP
United Kingdom
Filing status
Accounts
Next due: 2027-01-31
Last made up to: 2025-04-30
Confirmation statement
Next due: 2027-04-21
Last: 2026-04-07
Officers (2 active · 0 resigned)
HARRIS, Bjorn James Dominic→
Activedirector · ~48y · appointed 2021-04-08
View their other companies + combined net worth →
HARRIS, Julie Elizabeth→
Activedirector · ~47y · appointed 2021-04-08
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
5
Outstanding
4
Active lenders
Status:Lender:7 of 7 shown
| Type | Properties | |||||
|---|---|---|---|---|---|---|
| outstanding | Paragon Paragon Bank PLC | A registered charge | 1 property | 27/05/2025 | — | |
| outstanding | Paragon Paragon Bank PLC | A registered charge | 1 property | 25/04/2025 | — | |
| outstanding | Hayward Pensions (Cn 11101051) / Bjorn Harris / Julie Harris Hayward Pensions Limited (Cn 11101051) / Bjorn Harris / Julie Harris | A registered charge | 1 property | 08/01/2025 | — | |
| satisfied | Tuscan Capital Tuscan Capital Limited | A registered charge | 1 property | 16/10/2024 | 02/05/2025 | |
| satisfied | Tuscan Capital Tuscan Capital Limited | A registered charge | 1 property | 16/10/2024 | 02/05/2025 | |
| outstanding | Paratus Amc Paratus Amc Limited | A registered charge | 1 property | 26/05/2023 | — | |
| outstanding | Kensington Mortgage Company Kensington Mortgage Company Limited | A registered charge | 1 property | 06/04/2023 | — |
Click column headers to sort. Use filters above to narrow by status and lender.
Recent filings (22 total)
confirmation-statement-with-no-updates
confirmation-statement · CS01
2026-04-10
accounts-with-accounts-type-unaudited-abridged
accounts · AA
2025-12-05
change-registered-office-address-company-with-date-old-address-new-address
address · AD01
2025-10-22
mortgage-create-with-deed-with-charge-number-charge-creation-date
mortgage · MR01
2025-05-27
mortgage-satisfy-charge-full
mortgage · MR04
2025-05-02
mortgage-satisfy-charge-full
mortgage · MR04
2025-05-02
mortgage-create-with-deed-with-charge-number-charge-creation-date
mortgage · MR01
2025-04-28
confirmation-statement-with-no-updates
confirmation-statement · CS01
2025-04-11
mortgage-create-with-deed-with-charge-number-charge-creation-date
mortgage · MR01
2025-01-13
accounts-with-accounts-type-unaudited-abridged
accounts · AA
2024-12-04
mortgage-create-with-deed-with-charge-number-charge-creation-date
mortgage · MR01
2024-10-22
mortgage-create-with-deed-with-charge-number-charge-creation-date
mortgage · MR01
2024-10-22
confirmation-statement-with-no-updates
confirmation-statement · CS01
2024-04-17
accounts-with-accounts-type-unaudited-abridged
accounts · AA
2024-01-31
mortgage-create-with-deed-with-charge-number-charge-creation-date
mortgage · MR01
2023-05-30