BMJ PROPERTY LIMITED
Opportunity 79/100 (strong), bankability 77/100. Strong seller-intent signal (93/100, director aged 66). Share purchase looks the cleaner deal structure. Biggest value-creation lever: Consolidate lender relationships. 8 distinct lenders creates friction — refinance into single-lender structure for cleaner diligence. Most likely exit: share sale to pe / searcher (73/100).
Refinance opportunity
25 live charges · 8 lenders · oldest 29.6y
Refinance would be pressure-driven, not opportunity-driven. Expect tighter margins and covenant scrutiny.
- · Oldest live charge is 29.6 years old — likely at or near maturity.
- · 8 lenders named — inter-creditor friction likely.
- · Distress signals active — lender appetite narrows.
Data confidence
Overall: medium (79/100)Adequate coverage. AI outputs are reliable for the sections scored high; verify the rest in diligence.
Solid opportunity signal. Worth a dedicated memo and management meeting.
Signals from accounts
Derived from iXBRL accounts · accounting standard not declaredKey financials
2 years extracted from filed iXBRL accountsHover to see exact values · click legend to toggle series
Financials
Extracted from Companies House accounts · accounting standard unknown| Metric | 2024-12-31 | 2023-12-31 |
|---|---|---|
| Total assets | £50.9k | £54.4k |
| Current assets | £183.0k | £198.5k |
| Cash | £2.3k | £20.2k |
| Debtors | £171.7k | £169.3k |
| Net assets | £50.9k | £54.4k |
Amounts extracted automatically from iXBRL. Fields left blank were not reported or not mapped. Values in GBP unless stated.
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
Corporate timeline (76 events)Click to expand
- 2025-09-25📄accounts-with-accounts-type-total-exemption-fullaccounts · AA
- 2024-09-25📄accounts-with-accounts-type-total-exemption-fullaccounts · AA
- 2023-09-06📄accounts-with-accounts-type-total-exemption-fullaccounts · AA
- 2022-09-29📄accounts-with-accounts-type-total-exemption-fullaccounts · AA
- 2021-09-28📄accounts-with-accounts-type-total-exemption-fullaccounts · AA
- 2021-08-20📄notification-of-a-person-with-significant-controlpersons-with-significant-control · PSC02
- 2021-08-20📄cessation-of-a-person-with-significant-controlpersons-with-significant-control · PSC07
- 2020-11-30📄accounts-with-accounts-type-total-exemption-fullaccounts · AA
- 2019-09-24📄accounts-with-accounts-type-total-exemption-fullaccounts · AA
- 2018-09-10📄accounts-with-accounts-type-total-exemption-fullaccounts · AA
- 2018-07-18📄change-person-secretary-company-with-change-dateofficers · CH03
- 2018-07-18📄change-person-director-company-with-change-dateofficers · CH01
- 2017-09-29📄accounts-with-accounts-type-total-exemption-fullaccounts · AA
- 2016-10-26📄accounts-with-accounts-type-total-exemption-smallaccounts · AA
- 2015-10-01📄annual-return-company-with-made-up-date-full-list-shareholdersannual-return · AR01
- 2015-02-26🔓Charge satisfied #25
- 2015-02-26🔓Charge satisfied #24
- 2015-02-26🔓Charge satisfied #23
- 2015-02-26🔓Charge satisfied #22
- 2015-02-26🔓Charge satisfied #21
- 2015-02-26🔓Charge satisfied #20
- 2015-02-26🔓Charge satisfied #19
- 2015-02-26🔓Charge satisfied #18
- 2015-02-26🔓Charge satisfied #17
- 2015-02-26🔓Charge satisfied #13
- 2015-02-26🔓Charge satisfied #12
- 2015-02-26🔓Charge satisfied #11
- 2015-02-26🔓Charge satisfied #10
- 2015-02-26🔓Charge satisfied #8
- 2015-02-26🔓Charge satisfied #7
- 2015-02-26🔓Charge satisfied #6
- 2015-02-26🔓Charge satisfied #5
- 2015-02-26🔓Charge satisfied #4
- 2015-02-26🔓Charge satisfied #2
- 2009-05-19🔒Charge registered #25Lender: Royal Bank of Scotland PLC
- 2008-01-30🔓Charge satisfied #16
- 2008-01-30🔓Charge satisfied #15
- 2008-01-30🔓Charge satisfied #14
- 2008-01-30🔓Charge satisfied #9
- 2007-03-08🔒Charge registered #24Lender: The Royal Bank of Scotland PLC
- 2005-11-10🔒Charge registered #23Lender: The Trustees for Auchlochan Trust
- 2005-05-02🔒Charge registered #22Lender: The Royal Bank of Scotland PLC
- 2005-03-01🔒Charge registered #21Lender: The Royal Bank of Scotland PLC
- 2005-01-05➕KEAN, Paul appointedsecretary
- 2005-01-05➖KEAN, Ann resignedsecretary
- 2004-12-10🔒Charge registered #20Lender: The Royal Bank of Scotland PLC
- 2004-07-13🔒Charge registered #19Lender: The Royal Bank of Scotland PLC
- 2004-05-24🔒Charge registered #18Lender: Trustees of the Auchlocan Trust
- 2003-11-26🔒Charge registered #17Lender: Scottish Ministers
- 2003-11-26🔒Charge registered #16Lender: The Royal Bank of Scotland PLC
Owner dependency
The business appears inseparable from the founder. Acquisition without a serious earn-out or meaningful transition period would likely destroy value.
- +Sole director: Only one active director — all governance concentrated on one person.
- +Long-tenure founder: Senior director has been in place 32 years — deep operational knowledge concentrated in one person.
- +Founder age: Director aged approximately 66 — succession pressure is live.
Succession & seller-readiness
Strong acquirability signals converging. Worth approaching directly — this is how off-market deals start.
- primaryFounder aged 63+: Senior director is approximately 66. Approaching typical UK retirement age — succession thinking likely.
- primarySole active director: Only one director in control. No visible successor — buyers solve the succession problem.
- primary20+ year tenure: Director in role 32 years. Very long tenure is a classic succession signal.
- secondaryStable-but-static management: Company is 33 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 ·Multiple instances where a charge was satisfied and a new charge created within 6 months. Suggests active refinancing cycle.
Group structure
C.V.O. Limited is the ultimate parent — holding 75%+ shares. This company sits inside their group.
Parent relationships inferred from Persons with Significant Control filings. Full subsidiary tree requires reverse-lookup (coming).
Shareholders & ownership
1 active beneficial owner · dominant holder ≥75%| Name | Shares | Voting rights | Nature of control | Notified |
|---|---|---|---|---|
C.V.O. Limited Corporate entity | 75–100% | 75–100% | board control75-100% shares · 75-100% voting · board control | 20/08/2021 |
1 historic (ceased) PSC
- Mr James Harkins Keanceased 20/08/2021· 50-75% shares · 50-75% voting · board control
From Companies House Persons with Significant Control filings. Share ranges are banded per the public PSC regime.
Radial SVG graph showing every company connected via shared directors, colour-coded by status.
Available from the Pro tier upwards.
See pricing →Similar companies
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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 →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
Registered office
Filing status
Officers (2 active · 4 resigned)
Click a director name to see their full track record across all companies.
Mortgages & charges
| Type | Properties | |||||
|---|---|---|---|---|---|---|
| satisfied | Lloyds Banking Group Royal Bank of Scotland PLC | Standard security | 1 property | 19/05/2009 | 26/02/2015 | |
| satisfied | Lloyds Banking Group The Royal Bank of Scotland PLC | Standard security | 1 property | 08/03/2007 | 26/02/2015 | |
| satisfied | The Trustees for Auchlochan Trust | Standard security | 1 property | 10/11/2005 | 26/02/2015 | |
| satisfied | Lloyds Banking Group The Royal Bank of Scotland PLC | Standard security | 1 property | 02/05/2005 | 26/02/2015 | |
| satisfied | Lloyds Banking Group The Royal Bank of Scotland PLC | Standard security | 1 property | 01/03/2005 | 26/02/2015 | |
| satisfied | Lloyds Banking Group The Royal Bank of Scotland PLC | Standard security | 1 property | 10/12/2004 | 26/02/2015 | |
| satisfied | Lloyds Banking Group The Royal Bank of Scotland PLC | Standard security | 1 property | 13/07/2004 | 26/02/2015 | |
| satisfied | Trustees of the Auchlocan Trust | Standard security | 1 property | 24/05/2004 | 26/02/2015 | |
| satisfied | Scottish Ministers | Standard security | 1 property | 26/11/2003 | 26/02/2015 | |
| satisfied | Lloyds Banking Group The Royal Bank of Scotland PLC | Standard security | 1 property | 26/11/2003 | 30/01/2008 | |
| satisfied | Lloyds Banking Group The Royal Bank of Scotland PLC | Standard security | 1 property | 26/11/2003 | 30/01/2008 | |
| satisfied | Lloyds Banking Group The Royal Bank of Scotland PLC | Standard security | 1 property | 30/07/2003 | 30/01/2008 | |
| satisfied | Lloyds Banking Group The Royal Bank of Scotland PLC | Standard security | 1 property | 15/05/2003 | 26/02/2015 | |
| satisfied | Lloyds Banking Group The Royal Bank of Scotland PLC | Standard security | 1 property | 21/03/2003 | 26/02/2015 | |
| satisfied | Virgin Money Clydesdale Bank Public Limited Company | Standard security | 1 property | 15/11/2002 | 26/02/2015 | |
| satisfied | Virgin Money Clydesdale Bank Public Limited Company | Standard security | 1 property | 20/09/2002 | 26/02/2015 | |
| satisfied | Lloyds Banking Group The Royal Bank of Scotland PLC | Standard security | 1 property | 12/09/2002 | 30/01/2008 | |
| satisfied | Lloyds Banking Group The Royal Bank of Scotland PLC | Bond & floating charge | 1 property | 27/05/2002 | 26/02/2015 | |
| satisfied | Alistair Mccoist Alistair Mccoist Limited | Standard security | 1 property | 07/05/2001 | 26/02/2015 | |
| satisfied | Virgin Money Clydesdale Bank Public Limited Company | Standard security | 1 property | 18/01/2001 | 26/02/2015 | |
| satisfied | Virgin Money Clydesdale Bank Public Limited Company | Standard security | 1 property | 22/03/2000 | 26/02/2015 | |
| satisfied | Scottish Homes | Standard security | 1 property | 03/03/2000 | 26/02/2015 | |
| satisfied | Virgin Money Clydesdale Bank Public Limited Company | Standard security | 1 property | 22/04/1999 | 22/02/2000 | |
| satisfied | Virgin Money Clydesdale Bank Public Limited Company | Standard security | 1 property | 15/10/1996 | 26/02/2015 | |
| satisfied | Virgin Money Clydesdale Bank Public Limited Company | Floating charge | 1 property | 20/09/1996 | 18/09/2003 |