S & J PROPERTY LETTING LTD.

🌳Matureactive

SC289197 · ltd · incorporated 2005-08-19

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 9.3y old — refinance window within 12 months

🔒Estimated value

—

Upgrade to see

Turnover

—

year to Mar 2025

Net worth

£55.7k

book net assets

Opportunity

83/100

Exceptional

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What this business does

Primary activity: Other letting and operating of own or leased real estate

Sector: Real estate

ALSO REGISTERED FOR

94990Activities of other membership organisations n.e.c.

Investor take

Pursue

Property-backed borrower with a 76-year-old founder — textbook succession opportunity.

Opportunity 83/100 (exceptional), bankability 80/100. Strong seller-intent signal (63/100, director aged 76). Share purchase looks the cleaner deal structure. Most likely exit: share sale to pe / searcher (65/100).

🏦

Refinance opportunity

2 live charges · oldest 9.3y

85/100

ready

Refinance conversation should be productive — structure clean and timing right.

· Oldest live charge is 9.3 years old — likely at or near maturity.
· Single lender — cleanest path to refinance.
· Legal-friction score 15/100 — clean.

Data confidence

Overall: high (80/100)

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

Lenders & charges

2 charges (2/2 with lender, 2/2 with type)

Directors & officers

10 officers (6 active, 10 linked, 6 with DOB)

Ownership & PSC

2 active PSC(s) of 2 total, 2 with control declared

Director network

5 connected companies via shared directors

Filing history

60 filings on record

Gazette notices

No matching gazette notices (standard for active companies)

🔒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

83/100Exceptional

PassWatchWorth a lookStrongExceptional

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

Business quality

Active, clean filings, stable charge profile.

Acquirability

Strong succession / seller-readiness signals.

Risk profile

Few red flags.

Signal strength

100

Good data coverage for analysis.

Signals from accounts

Derived from iXBRL accounts · accounting standard not declared

Positive net assets

Net assets £55,739

Net assets shrinking

Down £3,989 YoY

Cash YoY

-1%

Year on year

Key financials

2 years extracted from filed iXBRL accounts

Cash

£35k

↓ 1.3% YoY

Net Worth

£56k

↓ 6.7% YoY

Current Assets

—

Current Liabilities

—

Hover to see exact values · click legend to toggle series

Financials

Extracted from Companies House accounts · accounting standard unknown

Metric	2025-03-31	2024-03-31
Total assets	£107.9k	£112.9k
Cash	£35.5k	£35.9k
Net assets	£55.7k	£59.7k

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

filings

Last 90 days

filings

• 2 officers
• 1 confirmation-statement

Last 180 days

filings

• 2 officers
• 1 confirmation-statement
• 1 accounts

Counts from Companies House filing history.

Corporate timeline (32 events)Click to expand

2026-02-20
📄
appoint-person-director-company-with-name-date
officers · AP01
2026-02-20
📄
termination-director-company-with-name-termination-date
officers · TM01
2026-02-02
➕
BRIDGES, Jane White Stevely appointed
director
2026-02-02
➖
BRIDGES, Jane White Stevely resigned
director
2025-12-17
📄
accounts-with-accounts-type-total-exemption-full
accounts · AA
2024-12-11
📄
accounts-with-accounts-type-total-exemption-full
accounts · AA
2023-12-21
📄
accounts-with-accounts-type-total-exemption-full
accounts · AA
2022-12-22
📄
accounts-with-accounts-type-total-exemption-full
accounts · AA
2021-12-03
📄
accounts-with-accounts-type-total-exemption-full
accounts · AA
2020-12-23
📄
accounts-with-accounts-type-total-exemption-full
accounts · AA
2019-12-19
📄
accounts-with-accounts-type-total-exemption-full
accounts · AA
2019-10-29
📄
appoint-person-director-company-with-name-date
officers · AP01
2019-10-28
➕
BRIDGES, Lynne appointed
director
2018-12-13
📄
accounts-with-accounts-type-total-exemption-full
accounts · AA
2017-12-19
📄
accounts-with-accounts-type-total-exemption-full
accounts · AA
2017-03-16
📄
change-person-director-company-with-change-date
officers · CH01
2017-03-16
📄
change-person-secretary-company-with-change-date
officers · CH03
2017-02-13
📄
mortgage-create-with-deed-with-charge-number-charge-creation-date
mortgage · MR01
2017-01-27
🔒
Charge registered #2
Lender: Airdrie Savings Bank
2017-01-27
🔒
Charge registered #1
Lender: Airdrie Savings Bank
2015-01-16
➕
BRIDGES, Andrew James appointed
director
2015-01-16
➕
BRIDGES, Graeme Scott appointed
director
2005-08-19
🏢
Company incorporated
As S & J PROPERTY LETTING LTD.
2005-08-19
➕
BRIDGES, Jane White Stevely appointed
secretary
2005-08-19
➕
BRIDGES, James Bryce Clark appointed
director
2005-08-19
➕
PETER TRAINER COMPANY SECRETARIES LTD. appointed
corporate-nominee-secretary
2005-08-19
➖
PETER TRAINER COMPANY SECRETARIES LTD. resigned
corporate-nominee-secretary
2005-08-19
➕
BRIDGES, Jane White Stevely appointed
director
2005-08-19
➕
PETER TRAINER COMPANY SECRETARIES LTD. appointed
corporate-nominee-director
2005-08-19
➖
PETER TRAINER COMPANY SECRETARIES LTD. resigned
corporate-nominee-director
2005-08-19
➕
PETER TRAINER CORPORATE SERVICES LTD. appointed
corporate-nominee-director
2005-08-19
➖
PETER TRAINER CORPORATE SERVICES LTD. resigned
corporate-nominee-director

Owner dependency

73/100

High — earn-out structure required

Material founder dependency. Consider a 2-3 year earn-out and build in a handover plan before completion.

FACTORS

-5 active directors: Broader management team in place — suggests transferable governance.
+Long-tenure founder: Senior director has been in place 21 years — deep operational knowledge concentrated in one person.
+Founder age: Director aged approximately 76 — succession pressure is live.
+Family involvement: Multiple officers share a surname — likely family business, which concentrates governance.

Succession & seller-readiness

80/100

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 76 years old. Natural succession window is now.
primary20+ year tenure: Director in role 21 years. Very long tenure is a classic succession signal.
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

Name	Shares	Voting rights	Nature of control	Notified
Mr Graeme Scott Bridges Individual · British · DOB 06/1978 · age 48	25–50%	25–50%	board controlsig. influence25-50% shares · 25-50% voting · board control · significant influence · firm interest	06/04/2016
Mr Andrew James Bridges Individual · British · DOB 06/1981 · age 45	25–50%	25–50%	board controlsig. influence25-50% shares · 25-50% voting · board control · significant influence · firm interest	06/04/2016

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 →

Similar companies

Active · Property · ML postcode area

Company	Est. value	Turnover	Net worth	Staff	Age	Opp	Director
BERMAR PROPERTIES (SCOTLAND) LIMITED→ SC162059 · est 1995	£1.37M £1.16M–£1.58M	—	£1.37M	—	30y	82	86y
HOPE STREET INVESTMENTS LIMITED→ SC183228 · est 1998	£662.4k £563.0k–£761.7k	—	£662.4k	—	28y	83	72y
ALMADA DEVELOPMENTS LTD.→ SC228289 · est 2002	£594.6k £505.4k–£683.8k	—	£594.6k	—	24y	82	60y
ACFORM INVESTMENTS LIMITED→ SC336660 · est 2008	£332.7k £282.8k–£382.6k	—	£332.7k	—	18y	83	61y
BELLSHILL METAL WORKS (GLASGOW) LIMITED→ SC026908 · est 1949	£263.0k £223.5k–£302.4k	—	£263.0k	—	77y	82	68y
HAMILTON LICENSED GROCERS LTD→ SC329772 · est 2007	£36.4k £31.0k–£41.9k	—	£36.4k	—	18y	83	67y
FREELANDS PROPERTIES (MAIN STREET) LIMITED→ SC289848 · est 2005	£19.8k £16.8k–£22.8k	—	£19.8k	—	20y	83	69y
APR PROPERTIES LIMITED→ SC023267 · est 1945	—	—	—	0	81y	83	64y
MANSEWOOD FACTORS LIMITED→ SC096696 · est 1986	—	—	—	0	40y	83	88y
A & O QUINTILIANI LIMITED→ SC311440 · est 2006	—	—	—	—	19y	82	64y
A W BRITTON LIMITED→ SC262068 · est 2004	—	—	—	0	22y	82	59y
ALBERT BARTLETT & SONS (LESLIE) LIMITED→ SC037899 · est 1962 · no financials extracted	—	—	—	—	63y	82	70y

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.

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Company details

Statusactive

Typeltd

Incorporated2005-08-19

Jurisdictionscotland

Primary SIC68209 — Other letting and operating of own or leased real estate

Registered office

191 Station Road

Shotts

ML7 4BA

Filing status

Accounts

Next due: 2026-12-31

Last made up to: 2025-03-31

Confirmation statement

Next due: 2027-02-19

Last: 2026-02-05