FJE PROPERTY INVESTMENTS LIMITED
💤Zombieactive
SC223111 · ltd · incorporated 2001-09-11
Investment thesis
Zombie company — trading but stalled; unlikely mover.
Why interesting: Quiet, steady; could be a succession or carve-out candidate with the right conversation.
Why risky: No growth signal; thin margin for error on price.
🔒Estimated value
—
Upgrade to see
Turnover
—
year to Jun 2025
Net worth
£1.78M
book net assets
Opportunity
75/100
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 with a 71-year-old founder — textbook succession opportunity.
Opportunity 75/100 (strong), bankability 57/100. Strong seller-intent signal (83/100, director aged 71). Share purchase looks the cleaner deal structure. Biggest value-creation lever: Consolidate lender relationships. 5 distinct lenders creates friction — refinance into single-lender structure for cleaner diligence. Most likely exit: share sale to pe / searcher (73/100).
🏦
Refinance opportunity
37 live charges · 5 lenders · oldest 24.2y
15/100
under pressure
Refinance would be pressure-driven, not opportunity-driven. Expect tighter margins and covenant scrutiny.
- · Oldest live charge is 24.2 years old — likely at or near maturity.
- · 5 lenders named — inter-creditor friction likely.
- · Distress signals active — lender appetite narrows.
Data confidence
Overall: high (80/100)Strong data coverage across all sections. AI outputs should be trusted with minimal caveats.
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
37 charges (37/37 with lender, 37/37 with type)
90
Directors & officers
6 officers (1 active, 6 linked, 1 with DOB)
73
Ownership & PSC
1 active PSC(s) of 1 total, 1 with control declared
90
Director network
10 connected companies via shared directors
75
Filing history
121 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
75/100Strong
PassWatchWorth a lookStrongExceptional
Solid opportunity signal. Worth a dedicated memo and management meeting.
Business quality
60
Adequate — check latest filings for context.
Acquirability
80
Strong succession / seller-readiness signals.
Risk profile
74
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 £1,784,285
Cash YoY
+1%
Year on year
Key financials
2 years extracted from filed iXBRL accountsCash
£309k
↑ 1.4% YoY
Net Worth
£1.8m
↑ 14% YoY
Current Assets
£313k
↑ 2.0% YoY
Current Liabilities
—
Hover to see exact values · click legend to toggle series
Financials
Extracted from Companies House accounts · accounting standard unknown| Metric | 2025-06-30 | 2024-06-30 |
|---|---|---|
| Total assets | £2.89M | £2.46M |
| Current assets | £313.2k | £307.2k |
| Cash | £308.6k | £304.2k |
| Debtors | £4.6k | £3.0k |
| Net assets | £1.78M | £1.57M |
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
1
filing
- • 1 accounts
Last 180 days
1
filing
- • 1 accounts
Counts from Companies House filing history.
Corporate timeline (84 events)Click to expand
- 2026-03-12📄accounts-with-accounts-type-total-exemption-fullaccounts · AA
- 2025-03-24📄accounts-with-accounts-type-total-exemption-fullaccounts · AA
- 2024-10-28📄mortgage-create-with-deed-with-charge-number-charge-creation-datemortgage · MR01
- 2024-10-24🔒Charge registered #37Lender: Bank of Scotland PLC
- 2024-10-09📄mortgage-create-with-deed-with-charge-number-charge-creation-datemortgage · MR01
- 2024-10-09📄mortgage-create-with-deed-with-charge-number-charge-creation-datemortgage · MR01
- 2024-10-07🔒Charge registered #36Lender: Bank of Scotland PLC
- 2024-10-07🔒Charge registered #35Lender: Bank of Scotland PLC
- 2024-03-28📄accounts-with-accounts-type-total-exemption-fullaccounts · AA
- 2023-10-31📄termination-secretary-company-with-name-termination-dateofficers · TM02
- 2023-10-25📄mortgage-create-with-deed-with-charge-number-charge-creation-datemortgage · MR01
- 2023-10-17📄mortgage-create-with-deed-with-charge-number-charge-creation-datemortgage · MR01
- 2023-10-16🔒Charge registered #34Lender: Bank of Scotland PLC
- 2023-10-16🔒Charge registered #33Lender: Bank of Scotland PLC
- 2023-10-13📄mortgage-create-with-deed-with-charge-number-charge-creation-datemortgage · MR01
- 2023-10-12🔒Charge registered #32Lender: Bank of Scotland PLC
- 2023-03-31➖MUDIE, Frank resignedsecretary
- 2023-03-23📄accounts-with-accounts-type-total-exemption-fullaccounts · AA
- 2022-10-29📄mortgage-create-with-deed-with-charge-number-charge-creation-datemortgage · MR01
- 2022-10-25🔒Charge registered #31Lender: Bank of Scotland PLC
- 2022-03-24📄accounts-with-accounts-type-total-exemption-fullaccounts · AA
- 2021-08-04📄mortgage-create-with-deed-with-charge-number-charge-creation-datemortgage · MR01
- 2021-08-04📄mortgage-create-with-deed-with-charge-number-charge-creation-datemortgage · MR01
- 2021-08-04📄mortgage-create-with-deed-with-charge-number-charge-creation-datemortgage · MR01
- 2021-08-04📄mortgage-create-with-deed-with-charge-number-charge-creation-datemortgage · MR01
- 2021-08-04📄mortgage-create-with-deed-with-charge-number-charge-creation-datemortgage · MR01
- 2021-08-03🔒Charge registered #30Lender: Bank of Scotland PLC
- 2021-08-03🔒Charge registered #29Lender: Bank of Scotland PLC
- 2021-08-03🔒Charge registered #28Lender: Bank of Scotland PLC
- 2021-08-03🔒Charge registered #27Lender: Bank of Scotland PLC
- 2021-08-03🔒Charge registered #26Lender: Bank of Scotland PLC
- 2021-06-09📄capital-allotment-sharescapital · SH01
- 2021-06-09📄capital-allotment-sharescapital · SH01
- 2019-08-30🔓Charge satisfied #15
- 2019-08-30🔓Charge satisfied #14
- 2019-08-30🔓Charge satisfied #13
- 2019-08-30🔓Charge satisfied #12
- 2019-08-30🔓Charge satisfied #11
- 2019-08-30🔓Charge satisfied #10
- 2019-08-28🔒Charge registered #25Lender: Bank of Scotland PLC
- 2019-08-28🔒Charge registered #24Lender: Bank of Scotland PLC
- 2019-08-28🔒Charge registered #23Lender: Bank of Scotland PLC
- 2019-08-28🔒Charge registered #22Lender: Bank of Scotland PLC
- 2019-08-28🔒Charge registered #21Lender: Royal Bank of Scotland PLC
- 2019-08-28🔒Charge registered #20Lender: Bank of Scotland PLC
- 2019-08-28🔒Charge registered #19Lender: Bank of Scotland PLC
- 2019-08-28🔒Charge registered #18Lender: Bank of Scotland PLC
- 2019-08-28🔒Charge registered #17Lender: Bank of Scotland PLC
- 2019-08-28🔓Charge satisfied #9
- 2019-08-05🔒Charge registered #16Lender: Bank of Scotland PLC
Showing most recent 50 of 84 events
Owner dependency
100/100
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
- +Sole director: Only one active director — all governance concentrated on one person.
- +Long-tenure founder: Senior director has been in place 25 years — deep operational knowledge concentrated in one person.
- +Founder age: Director aged approximately 71 — succession pressure is live.
Succession & seller-readiness
100/100
Likely off-market candidateStrong acquirability signals converging. Worth approaching directly — this is how off-market deals start.
SIGNALS
- primaryFounder aged 70+: Senior director is approximately 71 years old. Natural succession window is now.
- primarySole active director: Only one director in control. No visible successor — buyers solve the succession problem.
- primary20+ year tenure: Director in role 25 years. Very long tenure is a classic succession signal.
- secondaryStable-but-static management: Company is 25 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 · 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.
22 live charges
lowHeavily leveraged with multiple live security positions — understand the capital structure before proceeding.
Shareholders & ownership
1 active beneficial owner · dominant holder ≥75%| Name | Shares | Voting rights | Nature of control | Notified |
|---|---|---|---|---|
Mr Francesco Jozef Esposito Individual · British · DOB 02/1955 · age 71 | 75–100% | — | 75-100% shares | 29/09/2016 |
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 · DD postcode area| Company | Est. value | Turnover | Net worth | Staff | Age | Opp | Director |
|---|---|---|---|---|---|---|---|
| G & C DEVELOPMENTS (SCOTLAND) LIMITED→ SC818812 · est 2024 · no financials extracted | — | — | — | — | 1y | — | — |
| G & J PROPERTIES DUNDEE LIMITED→ SC775624 · est 2023 · no financials extracted | — | — | — | — | 2y | — | — |
| G. & N. INNS LIMITED→ SC128363 · est 1990 · no financials extracted | — | — | — | — | 35y | — | — |
| G&S DWELLINGS LIMITED→ SC866977 · est 2025 · no financials extracted | — | — | — | — | — | — | — |
| GAME CHANGER COMPS LTD→ SC607610 · est 2018 · no financials extracted | — | — | — | — | 7y | — | — |
| GARRYBANK LTD→ SC818981 · est 2024 · no financials extracted | — | — | — | — | 1y | — | — |
| GETTY LETTINGS LTD→ SC879676 · est 2026 · no financials extracted | — | — | — | — | — | — | — |
| GETTY PROPERTIES LTD→ SC663895 · est 2020 · no financials extracted | — | — | — | — | 5y | — | — |
| GLE LETTINGS LTD→ SC872691 · est 2025 · no financials extracted | — | — | — | — | — | — | — |
| GLENGRANGE LIMITED→ SC289626 · est 2005 · no financials extracted | — | — | — | — | 20y | — | — |
| GORTWELLA LIMITED→ SC262563 · est 2004 · no financials extracted | — | — | — | — | 22y | — | — |
| GRAMPIAN LANE LIMITED→ SC772323 · est 2023 · no financials extracted | — | — | — | — | 2y | — | — |
Peers ranked by estimated value, then turnover, then opportunity score.See all →
🔒Tailored diligence questions
10 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
Incorporated2001-09-11
Jurisdictionscotland
Primary SIC68209 — Other letting and operating of own or leased real estate
Registered office
61 Lorne Street
Dundee
Tayside
DD2 3HE
Filing status
Accounts
Next due: 2027-03-31
Last made up to: 2025-06-30
Confirmation statement
Next due: 2026-11-14
Last: 2025-10-31
Officers (1 active · 5 resigned)
ESPOSITO, Francesco Jozef→
Activedirector · ~71y · appointed 2001-09-11
View their other companies + combined net worth →
ESPOSITO, Francesco Jozef→
Resignedsecretary · appointed 2012-09-11 · resigned 2013-08-31
KINSELLA, Frances→
Resignedsecretary · appointed 2001-09-11 · resigned 2012-09-11
MUDIE, Frank→
Resignedsecretary · appointed 2013-08-31 · resigned 2023-03-31
FIRST SCOTTISH SECRETARIES LIMITED→
Resignedcorporate-nominee-secretary · appointed 2001-09-11 · resigned 2001-09-11
FIRST SCOTTISH INTERNATIONAL SERVICES LIMITED→
Resignedcorporate-nominee-director · appointed 2001-09-11 · resigned 2001-09-11
Click a director name to see their full track record across all companies.
Mortgages & charges
37
Total charges
22
Outstanding
1
Active lenders
Status:Lender:37 of 37 shown
| Type | Properties | |||||
|---|---|---|---|---|---|---|
| outstanding | Lloyds Banking Group Bank of Scotland PLC | A registered charge | 1 property | 24/10/2024 | — | |
| outstanding | Lloyds Banking Group Bank of Scotland PLC | A registered charge | 1 property | 07/10/2024 | — | |
| outstanding | Lloyds Banking Group Bank of Scotland PLC | A registered charge | 1 property | 07/10/2024 | — | |
| outstanding | Lloyds Banking Group Bank of Scotland PLC | A registered charge | 1 property | 16/10/2023 | — | |
| outstanding | Lloyds Banking Group Bank of Scotland PLC | A registered charge | 1 property | 16/10/2023 | — | |
| outstanding | Lloyds Banking Group Bank of Scotland PLC | A registered charge | 1 property | 12/10/2023 | — | |
| outstanding | Lloyds Banking Group Bank of Scotland PLC | A registered charge | 1 property | 25/10/2022 | — | |
| outstanding | Lloyds Banking Group Bank of Scotland PLC | A registered charge | 1 property | 03/08/2021 | — | |
| outstanding | Lloyds Banking Group Bank of Scotland PLC | A registered charge | 1 property | 03/08/2021 | — | |
| outstanding | Lloyds Banking Group Bank of Scotland PLC | A registered charge | 1 property | 03/08/2021 | — | |
| outstanding | Lloyds Banking Group Bank of Scotland PLC | A registered charge | 1 property | 03/08/2021 | — | |
| outstanding | Lloyds Banking Group Bank of Scotland PLC | A registered charge | 1 property | 03/08/2021 | — | |
| outstanding | Lloyds Banking Group Bank of Scotland PLC | A registered charge | 1 property | 28/08/2019 | — | |
| outstanding | Lloyds Banking Group Bank of Scotland PLC | A registered charge | 1 property | 28/08/2019 | — | |
| outstanding | Lloyds Banking Group Bank of Scotland PLC | A registered charge | 1 property | 28/08/2019 | — | |
| outstanding | Lloyds Banking Group Bank of Scotland PLC | A registered charge | 1 property | 28/08/2019 | — | |
| outstanding | Lloyds Banking Group Royal Bank of Scotland PLC | A registered charge | 1 property | 28/08/2019 | — | |
| outstanding | Lloyds Banking Group Bank of Scotland PLC | A registered charge | 1 property | 28/08/2019 | — | |
| outstanding | Lloyds Banking Group Bank of Scotland PLC | A registered charge | 1 property | 28/08/2019 | — | |
| outstanding | Lloyds Banking Group Bank of Scotland PLC | A registered charge | 1 property | 28/08/2019 | — | |
| outstanding | Lloyds Banking Group Bank of Scotland PLC | A registered charge | 1 property | 28/08/2019 | — | |
| outstanding | Lloyds Banking Group Bank of Scotland PLC | A registered charge | — | 05/08/2019 | — | |
| satisfied | Aldermore Aldermore Bank PLC | Standard security | 1 property | 06/07/2012 | 30/08/2019 | |
| satisfied | Aldermore Aldermore Bank PLC | Standard security | 1 property | 06/07/2012 | 30/08/2019 | |
| satisfied | Aldermore Aldermore Bank PLC | Standard security | 1 property | 06/07/2012 | 30/08/2019 | |
| satisfied | Aldermore Aldermore Bank PLC | Standard security | 1 property | 06/07/2012 | 30/08/2019 | |
| satisfied | Aldermore Aldermore Bank PLC | Standard security | 1 property | 06/07/2012 | 30/08/2019 | |
| satisfied | Aldermore Aldermore Bank PLC | Standard security | 1 property | 06/07/2012 | 30/08/2019 | |
| satisfied | Aldermore Aldermore Bank PLC | Floating charge | 1 property | 22/06/2012 | 28/08/2019 | |
| satisfied | Virgin Money Clydesdale Bank PLC | Standard security | 1 property | 23/07/2009 | 16/07/2012 | |
| satisfied | Virgin Money Clydesdale Bank PLC | Standard security | 1 property | 22/01/2009 | 16/07/2012 | |
| satisfied | Virgin Money Clydesdale Bank PLC | Standard security | 1 property | 03/12/2008 | 16/07/2012 | |
| satisfied | Virgin Money Clydesdale Bank PLC | Standard security | 1 property | 05/05/2008 | 16/07/2012 | |
| satisfied | Virgin Money Clydesdale Bank Public Limited Company | Standard security | 1 property | 10/01/2008 | 29/09/2012 | |
| satisfied | Virgin Money Clydesdale Bank Public Limited Company | Standard security | 1 property | 13/12/2006 | 16/07/2012 | |
| satisfied | Virgin Money Clydesdale Bank Public Limited Company | Standard security | 1 property | 13/12/2006 | 16/07/2012 | |
| satisfied | Virgin Money Clydesdale Bank Public Limited Company | Floating charge | 1 property | 07/02/2002 | 18/07/2012 |
Click column headers to sort. Use filters above to narrow by status and lender.
Recent filings (121 total)
accounts-with-accounts-type-total-exemption-full
accounts · AA
2026-03-12
confirmation-statement-with-no-updates
confirmation-statement · CS01
2025-10-31
accounts-with-accounts-type-total-exemption-full
accounts · AA
2025-03-24
confirmation-statement-with-no-updates
confirmation-statement · CS01
2024-10-31
mortgage-create-with-deed-with-charge-number-charge-creation-date
mortgage · MR01
2024-10-28
mortgage-create-with-deed-with-charge-number-charge-creation-date
mortgage · MR01
2024-10-09
mortgage-create-with-deed-with-charge-number-charge-creation-date
mortgage · MR01
2024-10-09
accounts-with-accounts-type-total-exemption-full
accounts · AA
2024-03-28
confirmation-statement-with-no-updates
confirmation-statement · CS01
2023-10-31
termination-secretary-company-with-name-termination-date
officers · TM02
2023-10-31
mortgage-create-with-deed-with-charge-number-charge-creation-date
mortgage · MR01
2023-10-25
mortgage-create-with-deed-with-charge-number-charge-creation-date
mortgage · MR01
2023-10-17
mortgage-create-with-deed-with-charge-number-charge-creation-date
mortgage · MR01
2023-10-13
accounts-with-accounts-type-total-exemption-full
accounts · AA
2023-03-23
confirmation-statement-with-no-updates
confirmation-statement · CS01
2022-10-31