J C S BUILDERS LIMITED
🌳Matureactive
SC117345 · ltd · incorporated 1989-04-14
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.
Opportunity decay
approaching window · 12-months
Approaching a transaction window — refinance or sale event plausible in the next 12 months.
- · Oldest live charge 35.6y old — refinance window within 12 months
🔒Estimated value
—
Upgrade to see
Turnover
—
year to Nov 2024
Net worth
£191.3k
book net assets
Opportunity
79/100
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 with a 63-year-old founder — textbook succession opportunity.
Opportunity 79/100 (strong), bankability 75/100. Strong seller-intent signal (80/100, director aged 63). Share purchase looks the cleaner deal structure. Most likely exit: share sale to pe / searcher (73/100).
🏦
Refinance opportunity
4 live charges · 2 lenders · oldest 35.6y
70/100
ready
Refinance conversation should be productive — structure clean and timing right.
- · Oldest live charge is 35.6 years old — likely at or near maturity.
- · Two lenders — manageable, but coordination required.
- · Legal-friction score 15/100 — clean.
Data confidence
Overall: high (81/100)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
4 charges (4/4 with lender, 4/4 with type)
90
Directors & officers
5 officers (2 active, 5 linked, 4 with DOB)
86
Ownership & PSC
2 active PSC(s) of 4 total, 4 with control declared
90
Director network
5 connected companies via shared directors
60
Filing history
116 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
79/100Strong
PassWatchWorth a lookStrongExceptional
Solid opportunity signal. Worth a dedicated memo and management meeting.
Business quality
70
Active, clean filings, stable charge profile.
Acquirability
80
Strong succession / seller-readiness signals.
Risk profile
77
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 £191,262
Key financials
2 years extracted from filed iXBRL accountsCash
£31k
Net Worth
£191k
Current Assets
£37k
Current Liabilities
—
Hover to see exact values · click legend to toggle series
Financials
Extracted from Companies House accounts · accounting standard unknown| Metric | 2024-11-30 | 2023-11-30 |
|---|---|---|
| Total assets | £233.4k | — |
| Current assets | £37.5k | — |
| Cash | £31.3k | — |
| Debtors | £6.2k | — |
| Net assets | £191.3k | — |
| Average employees | — | 200 |
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
0
filings
Counts from Companies House filing history.
Corporate timeline (32 events)Click to expand
- 2025-11-05📄accounts-with-accounts-type-total-exemption-fullaccounts · AA
- 2025-10-28📄change-person-director-company-with-change-dateofficers · CH01
- 2025-10-28📄change-to-a-person-with-significant-controlpersons-with-significant-control · PSC04
- 2025-10-28📄change-person-director-company-with-change-dateofficers · CH01
- 2025-10-22📄change-to-a-person-with-significant-controlpersons-with-significant-control · PSC04
- 2025-10-22📄notification-of-a-person-with-significant-controlpersons-with-significant-control · PSC01
- 2025-09-29📄change-to-a-person-with-significant-controlpersons-with-significant-control · PSC04
- 2025-09-29📄change-person-director-company-with-change-dateofficers · CH01
- 2025-09-29📄change-person-director-company-with-change-dateofficers · CH01
- 2025-03-03📄mortgage-create-with-deed-with-charge-number-charge-creation-datemortgage · MR01
- 2025-02-28🔒Charge registered #4Lender: Charter Court Financial Services Limited
- 2024-07-03📄accounts-with-accounts-type-total-exemption-fullaccounts · AA
- 2024-01-17📄cessation-of-a-person-with-significant-controlpersons-with-significant-control · PSC07
- 2024-01-16📄second-filing-of-confirmation-statement-with-made-up-dateconfirmation-statement · RP04CS01
- 2023-07-12📄accounts-with-accounts-type-total-exemption-fullaccounts · AA
- 2022-10-05📄notification-of-a-person-with-significant-controlpersons-with-significant-control · PSC01
- 2022-09-28📄cessation-of-a-person-with-significant-controlpersons-with-significant-control · PSC07
- 2022-07-22📄accounts-with-accounts-type-total-exemption-fullaccounts · AA
- 2021-06-18📄accounts-with-accounts-type-total-exemption-fullaccounts · AA
- 2020-11-30📄accounts-with-accounts-type-total-exemption-fullaccounts · AA
- 2014-06-25➖CULLEN, Christina Ann resignedsecretary
- 2014-06-25➖CULLEN, Christina Ann resigneddirector
- 2013-03-20🔓Charge satisfied #3
- 2012-03-24🔓Charge satisfied #2
- 2012-03-23➖CULLEN, John Brady resigneddirector
- 2011-11-18🔓Charge satisfied #1
- 2002-10-04🔒Charge registered #3Lender: The Royal Bank of Scotland PLC
- 1993-08-11🔒Charge registered #2Lender: The Royal Bank of Scotland PLC
- 1991-02-20➕CULLEN, Kevin John Brady appointeddirector
- 1991-02-20➕CULLEN, Christina Ann appointeddirector
- 1990-10-10🔒Charge registered #1Lender: The Royal Bank of Scotland PLC
- 1989-04-14🏢Company incorporatedAs J C S BUILDERS LIMITED
Owner dependency
84/100
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.
- +Long-tenure founder: Senior director has been in place 35 years — deep operational knowledge concentrated in one person.
- +Senior director age: Director aged approximately 63 — approaching natural succession window.
- +Family involvement: Multiple officers share a surname — likely family business, which concentrates governance.
Succession & seller-readiness
86/100
Likely off-market candidateStrong acquirability signals converging. Worth approaching directly — this is how off-market deals start.
SIGNALS
- primaryFounder aged 63+: Senior director is approximately 63. Approaching typical UK retirement age — succession thinking likely.
- secondaryTwo-director governance: Small-team governance. Succession depth is thin but not absent.
- primary20+ year tenure: Director in role 35 years. Very long tenure is a classic succession signal.
- secondaryStable-but-static management: Company is 37 years old and no new directors in the last 3 years — succession not yet being planned internally.
- supportingClean filings + long tenure: Disciplined long-tenure operator — classic lifestyle-business pattern that often sells quietly.
Red flags
1 med ·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 |
|---|---|---|---|---|
Mr Patrick Kenneth Cullen Individual · British · DOB 07/1963 · age 63 | 25–50% | 25–50% | board control25-50% shares · 25-50% voting · board control | 22/10/2025 |
Mr Kevin John Brady Cullen Individual · British · DOB 01/1966 · age 60 | 25–50% | 25–50% | board control25-50% shares · 25-50% voting · board control | 06/04/2016 |
2 historic (ceased) PSCs
- Mr Gavin Lewis Cullenceased 05/10/2022· 25-50% shares
- Mr Patrick Kenneth Cullenceased 15/08/2022· 25-50% shares
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 |
|---|---|---|---|---|---|---|---|
| GRANGEMOUTH RETAIL PROPERTIES LIMITED→ SC585951 · est 2018 · no financials extracted | — | — | — | — | 8y | — | — |
| HUGH MACPHERSON (SCOTLAND) LIMITED→ SC024888 · est 1946 · no financials extracted | — | — | — | — | 79y | — | — |
| IDRC LTD→ SC819144 · est 2024 · no financials extracted | — | — | — | — | 1y | — | — |
| INDIVIDUAL UNIT HIRE LTD→ SC223737 · est 2001 · no financials extracted | — | — | — | — | 24y | — | — |
| ISLA MURRAY PROPERTIES LIMITED→ SC868676 · est 2025 · no financials extracted | — | — | — | — | — | — | — |
| J.R. JOHNSTON DEVELOPMENTS LIMITED→ SC291429 · est 2005 · no financials extracted | — | — | — | — | 20y | — | — |
| JAMES SIME AND COMPANY, LIMITED→ SC012112 · est 1922 · no financials extracted | — | — | — | — | 104y | — | — |
| JEEVI PROPERTY LIMITED→ SC760078 · est 2023 · no financials extracted | — | — | — | — | 3y | — | — |
| JMPS PROPERTY LTD.→ SC471747 · est 2014 · no financials extracted | — | — | — | — | 12y | — | — |
| JOHNSTON PROPERTY HOLDINGS LTD→ SC882666 · est 2026 · no financials extracted | — | — | — | — | — | — | — |
| KALLA JSP INVESTMENTS LTD→ SC866699 · est 2025 · no financials extracted | — | — | — | — | — | — | — |
| KALLA JSP LETTINGS LTD→ SC866707 · est 2025 · no financials extracted | — | — | — | — | — | — | — |
Peers ranked by estimated value, then turnover, then opportunity score.See all →
🔒Tailored diligence questions
6 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
Incorporated1989-04-14
Jurisdictionscotland
Primary SIC68100 — Buying and selling of own real estate
Registered office
Old Church
South Craigs Road
Rumford
Polmont
FK2 0SF
Filing status
Accounts
Next due: 2026-08-31
Last made up to: 2024-11-30
Confirmation statement
Next due: 2026-11-07
Last: 2025-10-24
Officers (2 active · 3 resigned)
CULLEN, Kevin John Brady→
Activedirector · ~60y · appointed 1991-02-20
View their other companies + combined net worth →
Active
CULLEN, Christina Ann→
Resignedsecretary · resigned 2014-06-25
CULLEN, Christina Ann→
Resigneddirector · ~83y · appointed 1991-02-20 · resigned 2014-06-25
CULLEN, John Brady→
Resigneddirector · ~83y · resigned 2012-03-23
Click a director name to see their full track record across all companies.
Mortgages & charges
4
Total charges
1
Outstanding
1
Active lenders
Status:Lender:4 of 4 shown
| Type | Properties | |||||
|---|---|---|---|---|---|---|
| outstanding | Precise Mortgages Charter Court Financial Services Limited | A registered charge | 1 property | 28/02/2025 | — | |
| satisfied | Lloyds Banking Group The Royal Bank of Scotland PLC | Standard security | 1 property | 04/10/2002 | 20/03/2013 | |
| satisfied | Lloyds Banking Group The Royal Bank of Scotland PLC | Standard security | 1 property | 11/08/1993 | 24/03/2012 | |
| satisfied | Lloyds Banking Group The Royal Bank of Scotland PLC | Bond & floating charge | 1 property | 10/10/1990 | 18/11/2011 |
Click column headers to sort. Use filters above to narrow by status and lender.
Recent filings (116 total)
accounts-with-accounts-type-total-exemption-full
accounts · AA
2025-11-05
change-person-director-company-with-change-date
officers · CH01
2025-10-28
change-to-a-person-with-significant-control
persons-with-significant-control · PSC04
2025-10-28
change-person-director-company-with-change-date
officers · CH01
2025-10-28
confirmation-statement-with-updates
confirmation-statement · CS01
2025-10-24
change-to-a-person-with-significant-control
persons-with-significant-control · PSC04
2025-10-22
notification-of-a-person-with-significant-control
persons-with-significant-control · PSC01
2025-10-22
confirmation-statement-with-no-updates
confirmation-statement · CS01
2025-10-03
change-to-a-person-with-significant-control
persons-with-significant-control · PSC04
2025-09-29
change-person-director-company-with-change-date
officers · CH01
2025-09-29
change-person-director-company-with-change-date
officers · CH01
2025-09-29
mortgage-create-with-deed-with-charge-number-charge-creation-date
mortgage · MR01
2025-03-03
confirmation-statement-with-no-updates
confirmation-statement · CS01
2024-09-30
accounts-with-accounts-type-total-exemption-full
accounts · AA
2024-07-03
cessation-of-a-person-with-significant-control
persons-with-significant-control · PSC07
2024-01-17