B & N INVESTMENTS LTD.

🌳Matureactive
SC275794 · ltd · incorporated 2004-11-09
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.
Opportunity decay
approaching window · 12-months
Approaching a transaction window — refinance or sale event plausible in the next 12 months.
  • · Oldest live charge 20.8y old — refinance window within 12 months
🔒Estimated value
—
Upgrade to see
Turnover
—
year to Mar 2025
Net worth
—
book net assets
Opportunity
82/100
Exceptional
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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
Pursue
Property-backed borrower with a 74-year-old founder — textbook succession opportunity.

Opportunity 82/100 (exceptional), bankability 80/100. Strong seller-intent signal (83/100, director aged 74). Share purchase looks the cleaner deal structure. Biggest value-creation lever: Discharge stale live charges. 2 live charge(s) created 15+ years ago — likely paid but undischarged. Clean register. Most likely exit: share sale to pe / searcher (65/100).

🏦

Refinance opportunity

2 live charges · oldest 20.8y

65/100
clean up first

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

  • · Oldest live charge is 20.8 years old — likely at or near maturity.
  • · Single lender — cleanest path to refinance.
  • · Legal-friction score 25/100 — workable, but lender will want more DD.

Data confidence

Overall: medium (79/100)

Adequate coverage. AI outputs are reliable for the sections scored high; verify the rest in diligence.

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
2 charges (2/2 with lender, 2/2 with type)
90
Directors & officers
6 officers (3 active, 6 linked, 2 with DOB)
77
Ownership & PSC
2 active PSC(s) of 2 total, 2 with control declared
90
Director network
3 connected companies via shared directors
54
Filing history
64 filings on record
85
Gazette notices
No matching gazette notices (standard for active companies)
60
Opportunity Score
82/100Exceptional
PassWatchWorth a lookStrongExceptional 

Strong composite across quality, acquirability, and risk. High-priority target — progress to serious diligence.

Business quality
70
Active, clean filings, stable charge profile.
Acquirability
80
Strong succession / seller-readiness signals.
Risk profile
85
Few red flags.
Signal strength
100
Good data coverage for analysis.

Key financials

2 years extracted from filed iXBRL accounts
Cash
—
Net Worth
—
Current Assets
—
Current Liabilities
—
£0£0£0£0£0£0Mar 2024Mar 2025

Hover to see exact values · click legend to toggle series

Financials

Extracted from Companies House accounts · FRS 102
Metric2025-03-312024-03-31
Average employees2200

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 (27 events)Click to expand
  1. 2025-10-24
    📄
    accounts-with-accounts-type-total-exemption-full
    accounts · AA
  2. 2024-11-25
    📄
    accounts-with-accounts-type-total-exemption-full
    accounts · AA
  3. 2023-12-19
    📄
    accounts-with-accounts-type-total-exemption-full
    accounts · AA
  4. 2022-11-16
    📄
    accounts-with-accounts-type-total-exemption-full
    accounts · AA
  5. 2022-11-02
    📄
    change-to-a-person-with-significant-control
    persons-with-significant-control · PSC04
  6. 2022-11-02
    📄
    change-to-a-person-with-significant-control
    persons-with-significant-control · PSC04
  7. 2021-12-21
    📄
    accounts-with-accounts-type-total-exemption-full
    accounts · AA
  8. 2020-12-23
    📄
    accounts-with-accounts-type-total-exemption-full
    accounts · AA
  9. 2019-12-18
    📄
    accounts-with-accounts-type-total-exemption-full
    accounts · AA
  10. 2018-10-29
    📄
    accounts-with-accounts-type-total-exemption-full
    accounts · AA
  11. 2017-11-22
    📄
    accounts-with-accounts-type-total-exemption-full
    accounts · AA
  12. 2016-11-01
    📄
    change-person-director-company-with-change-date
    officers · CH01
  13. 2016-11-01
    📄
    change-person-secretary-company-with-change-date
    officers · CH03
  14. 2016-09-06
    📄
    accounts-with-accounts-type-total-exemption-small
    accounts · AA
  15. 2015-11-13
    📄
    annual-return-company-with-made-up-date-full-list-shareholders
    annual-return · AR01
  16. 2005-07-20
    🔒
    Charge registered #2
    Lender: Mortgage Trust Limited
  17. 2005-07-14
    🔒
    Charge registered #1
    Lender: Mortgage Trust Limited
  18. 2004-11-09
    🏢
    Company incorporated
    As B & N INVESTMENTS LTD.
  19. 2004-11-09
    ➕
    MACDONALD, Brian William appointed
    secretary
  20. 2004-11-09
    ➕
    COLLISS, Neil William, Mr. appointed
    director
  21. 2004-11-09
    ➕
    MACDONALD, Brian William appointed
    director
  22. 2004-11-09
    ➕
    PETER TRAINER COMPANY SECRETARIES LTD. appointed
    corporate-nominee-secretary
  23. 2004-11-09
    ➖
    PETER TRAINER COMPANY SECRETARIES LTD. resigned
    corporate-nominee-secretary
  24. 2004-11-09
    ➕
    PETER TRAINER COMPANY SECRETARIES LTD. appointed
    corporate-nominee-director
  25. 2004-11-09
    ➖
    PETER TRAINER COMPANY SECRETARIES LTD. resigned
    corporate-nominee-director
  26. 2004-11-09
    ➕
    PETER TRAINER CORPORATE SERVICES LTD. appointed
    corporate-nominee-director
  27. 2004-11-09
    ➖
    PETER TRAINER CORPORATE SERVICES LTD. resigned
    corporate-nominee-director

Owner dependency

83/100
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
  • +Two-director setup: Only two active directors — typical of owner-managed SMEs but limits succession.
  • +Long-tenure founder: Senior director has been in place 22 years — deep operational knowledge concentrated in one person.
  • +Founder age: Director aged approximately 74 — succession pressure is live.

Succession & seller-readiness

96/100
Likely off-market candidate

Strong acquirability signals converging. Worth approaching directly — this is how off-market deals start.

SIGNALS
  • primaryFounder aged 70+: Senior director is approximately 74 years old. Natural succession window is now.
  • secondaryTwo-director governance: Small-team governance. Succession depth is thin but not absent.
  • primary20+ year tenure: Director in role 22 years. Very long tenure is a classic succession signal.
  • secondaryStable-but-static management: Company is 22 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

clean
No red flags detected from available public data. (This is not a clean bill of health — detailed accounts review still recommended.)

Shareholders & ownership

2 active beneficial owners
NameSharesVoting rightsNature of controlNotified
Mr Brian William Macdonald
Individual · British · DOB 10/1962 · age 64
25–50%
25–50%25-50% shares · 25-50% voting06/04/2016
Mr. Neil William Colliss
Individual · British · DOB 09/1952 · age 74
25–50%
25–50%25-50% shares · 25-50% voting06/04/2016

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 →

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Peers ranked by estimated value, then turnover, then opportunity score.See all →
🔒Tailored diligence questions

7 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
Incorporated2004-11-09
Jurisdictionscotland
Primary SIC68100 — Buying and selling of own real estate

Registered office

57/59 High Street
Dunblane
Perthshire
FK15 0EE

Filing status

Accounts
Next due: 2026-12-31
Last made up to: 2025-03-31
Confirmation statement
Next due: 2026-11-10
Last: 2025-10-27

Officers (3 active · 3 resigned)

MACDONALD, Brian William→
secretary · appointed 2004-11-09
View their other companies + combined net worth →
Active
COLLISS, Neil William, Mr.→
director · ~74y · appointed 2004-11-09
View their other companies + combined net worth →
Active
MACDONALD, Brian William→
director · ~64y · appointed 2004-11-09
View their other companies + combined net worth →
Active
PETER TRAINER COMPANY SECRETARIES LTD.→
corporate-nominee-secretary · appointed 2004-11-09 · resigned 2004-11-09
Resigned
PETER TRAINER COMPANY SECRETARIES LTD.→
corporate-nominee-director · appointed 2004-11-09 · resigned 2004-11-09
Resigned
PETER TRAINER CORPORATE SERVICES LTD.→
corporate-nominee-director · appointed 2004-11-09 · resigned 2004-11-09
Resigned

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
Mortgage Trust
Mortgage Trust Limited
Standard security1 property20/07/2005—
outstanding
Mortgage Trust
Mortgage Trust Limited
Standard security1 property14/07/2005—
Click column headers to sort. Use filters above to narrow by status and lender.

Recent filings (64 total)

confirmation-statement-with-updates
confirmation-statement · CS01
2025-11-10
accounts-with-accounts-type-total-exemption-full
accounts · AA
2025-10-24
accounts-with-accounts-type-total-exemption-full
accounts · AA
2024-11-25
confirmation-statement-with-no-updates
confirmation-statement · CS01
2024-11-07
accounts-with-accounts-type-total-exemption-full
accounts · AA
2023-12-19
confirmation-statement-with-no-updates
confirmation-statement · CS01
2023-11-01
accounts-with-accounts-type-total-exemption-full
accounts · AA
2022-11-16
confirmation-statement-with-updates
confirmation-statement · CS01
2022-11-03
change-to-a-person-with-significant-control
persons-with-significant-control · PSC04
2022-11-02
change-to-a-person-with-significant-control
persons-with-significant-control · PSC04
2022-11-02
accounts-with-accounts-type-total-exemption-full
accounts · AA
2021-12-21
confirmation-statement-with-no-updates
confirmation-statement · CS01
2021-11-01
accounts-with-accounts-type-total-exemption-full
accounts · AA
2020-12-23
confirmation-statement-with-no-updates
confirmation-statement · CS01
2020-11-11
accounts-with-accounts-type-total-exemption-full
accounts · AA
2019-12-18