BJC INTERIORS LIMITED
💤Zombieactive
SC429617 · ltd · incorporated 2012-08-02
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 Mar 2025
Net worth
£614.6k
book net assets
Opportunity
69/100
Strong
What this business does
Primary activity: Joinery installation
Sector: Construction
ALSO REGISTERED FOR
- 68209Other letting and operating of own or leased real estate
Investor take
PursueActive trading company. Reasonable fundamentals — worth a memo before deciding.
Opportunity 69/100 (strong), bankability 57/100. High owner-dependency — earn-out structure likely required for clean transition. Share purchase looks the cleaner deal structure. Biggest value-creation lever: Consolidate lender relationships. 4 distinct lenders creates friction — refinance into single-lender structure for cleaner diligence. Most likely exit: share sale to pe / searcher (58/100).
🏦
Refinance opportunity
11 live charges · 4 lenders · oldest 6.2y
15/100
under pressure
Refinance would be pressure-driven, not opportunity-driven. Expect tighter margins and covenant scrutiny.
- · Oldest live charge is 6.2 years old — likely at or near maturity.
- · 4 lenders named — inter-creditor friction likely.
- · Distress signals active — lender appetite narrows.
Data confidence
Overall: medium (77/100)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
11 charges (11/11 with lender, 11/11 with type)
90
Directors & officers
2 officers (1 active, 2 linked, 1 with DOB)
80
Ownership & PSC
1 active PSC(s) of 1 total, 1 with control declared
90
Director network
Network not yet resolved
30
Filing history
46 filings on record
85
Gazette notices
No matching gazette notices (standard for active companies)
60
Opportunity Score
69/100Strong
PassWatchWorth a lookStrongExceptional
Solid opportunity signal. Worth a dedicated memo and management meeting.
Business quality
60
Adequate — check latest filings for context.
Acquirability
55
Some acquirability indicators.
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 £614,627
Cash YoY
-36%
Year on year
Key financials
2 years extracted from filed iXBRL accountsCash
£151k
↓ 36% YoY
Net Worth
£615k
↑ 6.6% YoY
Current Assets
£171k
↓ 41% YoY
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 | £1.03M | £912.1k |
| Current assets | £171.3k | £290.0k |
| Cash | £151.1k | £237.6k |
| Debtors | £16.4k | £52.4k |
| Net assets | £614.6k | £576.5k |
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
5
filings
- • 4 mortgage
- • 1 accounts
Counts from Companies House filing history.
Corporate timeline (34 events)Click to expand
- 2026-01-13📄mortgage-create-with-deed-with-charge-number-charge-creation-datemortgage · MR01
- 2026-01-12🔒Charge registered #11Lender: Aldermore Bank PLC
- 2025-12-31📄mortgage-create-with-deed-with-charge-number-charge-creation-datemortgage · MR01
- 2025-12-24📄mortgage-create-with-deed-with-charge-number-charge-creation-datemortgage · MR01
- 2025-12-22🔒Charge registered #9Lender: Aldermore Bank PLC
- 2025-12-18🔒Charge registered #10Lender: Aldermore Bank PLC
- 2025-11-26📄accounts-with-accounts-type-total-exemption-fullaccounts · AA
- 2025-11-20📄mortgage-satisfy-charge-fullmortgage · MR04
- 2025-11-20🔓Charge satisfied #2
- 2025-04-17📄change-to-a-person-with-significant-controlpersons-with-significant-control · PSC04
- 2024-10-02📄accounts-with-accounts-type-total-exemption-fullaccounts · AA
- 2024-10-01📄mortgage-create-with-deed-with-charge-number-charge-creation-datemortgage · MR01
- 2024-10-01🔒Charge registered #8Lender: Aldermore Bank PLC
- 2024-07-19📄mortgage-create-with-deed-with-charge-number-charge-creation-datemortgage · MR01
- 2024-07-18🔒Charge registered #7Lender: The Mortgage Lender Limited
- 2023-09-11📄accounts-with-accounts-type-total-exemption-fullaccounts · AA
- 2023-07-06📄mortgage-create-with-deed-with-charge-number-charge-creation-datemortgage · MR01
- 2023-07-04🔒Charge registered #6Lender: The Mortgage Lender
- 2023-06-27📄mortgage-create-with-deed-with-charge-number-charge-creation-datemortgage · MR01
- 2023-06-26🔒Charge registered #5Lender: Aldermore Bank PLC
- 2022-12-12📄mortgage-create-with-deed-with-charge-number-charge-creation-datemortgage · MR01
- 2022-12-09🔒Charge registered #4Lender: Aldermore Bank PLC
- 2022-07-20📄accounts-with-accounts-type-total-exemption-fullaccounts · AA
- 2021-12-08📄accounts-with-accounts-type-total-exemption-fullaccounts · AA
- 2020-09-21📄accounts-with-accounts-type-total-exemption-fullaccounts · AA
- 2020-03-14📄mortgage-create-with-deed-with-charge-number-charge-creation-datemortgage · MR01
- 2020-03-06🔒Charge registered #3Lender: The Royal Bank of Scotland PLC
- 2020-02-12📄mortgage-create-with-deed-with-charge-number-charge-creation-datemortgage · MR01
- 2020-02-05🔒Charge registered #2Lender: The Royal Bank of Scotland PLC
- 2020-01-28🔒Charge registered #1Lender: The Royal Bank of Scotland PLC
- 2016-09-07➖SHARP, Ian resignedsecretary
- 2012-08-02🏢Company incorporatedAs BJC INTERIORS LIMITED
- 2012-08-02➕CAMERON, Brian appointeddirector
- 2012-08-02➕SHARP, Ian appointedsecretary
Owner dependency
75/100
High — earn-out structure requiredMaterial founder dependency. Consider a 2-3 year earn-out and build in a handover plan before completion.
FACTORS
- +Sole director: Only one active director — all governance concentrated on one person.
Succession & seller-readiness
58/100
Strong succession signalMultiple signals suggest succession is on the horizon. Candidate for proactive outreach.
SIGNALS
- primarySole active director: Only one director in control. No visible successor — buyers solve the succession problem.
- secondary12+ year tenure: Director in role 14 years.
- supportingClean filings + long tenure: Disciplined long-tenure operator — classic lifestyle-business pattern that often sells quietly.
Red flags
1 med · 1 low3 new charges in last 12 months
mediumHeavy recent charge activity can indicate refinancing pressure, aggressive leverage, or multiple lender rotation.
Evidence: 2026-01-12: A registered charge; 2025-12-22: A registered charge; 2025-12-18: A registered charge
10 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 Brian Cameron Individual · Scottish · DOB 07/1986 · age 40 | 75–100% | 75–100% | board control75-100% shares · 75-100% voting · board control | 02/08/2016 |
From Companies House Persons with Significant Control filings. Share ranges are banded per the public PSC regime.
Similar companies
Active · Construction · KY postcode area| Company | Est. value | Turnover | Net worth | Staff | Age | Opp | Director |
|---|---|---|---|---|---|---|---|
| AF ROOFING (SCOTLAND) LIMITED→ SC708850 · est 2021 · no financials extracted | — | — | — | — | 4y | — | — |
| AUSMAC REFRIGERATION LIMITED→ SC881378 · est 2026 · no financials extracted | — | — | — | — | — | — | — |
| B & F DECORATING SERVICES LTD→ SC444725 · est 2013 · no financials extracted | — | — | — | — | 13y | — | — |
| B STOBBS JOINERY AND BUILDING CONTRACTOR LIMITED→ SC633583 · est 2019 · no financials extracted | — | — | — | — | 6y | — | — |
| B.MCPAKE JOINERY LTD→ SC606665 · est 2018 · no financials extracted | — | — | — | — | 7y | — | — |
| BILLY MITCHELL ELECTRICAL LTD→ SC703305 · est 2021 · no financials extracted | — | — | — | — | 4y | — | — |
| BLAIR SCAFFOLDING (SCOTLAND) LIMITED→ SC756076 · est 2023 · no financials extracted | — | — | — | — | 3y | — | — |
| BLANEY PROPERTY GROUP LTD→ SC877815 · est 2026 · no financials extracted | — | — | — | — | — | — | — |
| BLCP DEVELOPMENTS LTD→ SC638851 · est 2019 · no financials extracted | — | — | — | — | 6y | — | — |
| BLSM SCOTLAND LIMITED→ SC588910 · est 2018 · no financials extracted | — | — | — | — | 8y | — | — |
| BLYTH MARINE SERVICES LIMITED→ SC594802 · est 2018 · no financials extracted | — | — | — | — | 7y | — | — |
| BM URBAN DEVELOPMENTS LTD→ SC854695 · est 2025 · no financials extracted | — | — | — | — | — | — | — |
Peers ranked by estimated value, then turnover, then opportunity score.See all →
🔒Tailored diligence questions
9 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
Incorporated2012-08-02
Jurisdictionscotland
Primary SIC43320 — Joinery installation
Registered office
2 Newtonmore Drive
Kirkcaldy
KY2 6FZ
Scotland
Filing status
Accounts
Next due: 2026-12-31
Last made up to: 2025-03-31
Confirmation statement
Next due: 2026-09-01
Last: 2025-08-18
Officers (1 active · 1 resigned)
CAMERON, Brian→
Activedirector · ~40y · appointed 2012-08-02
View their other companies + combined net worth →
SHARP, Ian→
Resignedsecretary · appointed 2012-08-02 · resigned 2016-09-07
Click a director name to see their full track record across all companies.
Mortgages & charges
11
Total charges
10
Outstanding
3
Active lenders
Status:Lender:11 of 11 shown
| Type | Properties | |||||
|---|---|---|---|---|---|---|
| outstanding | Aldermore Aldermore Bank PLC | A registered charge | 1 property | 12/01/2026 | — | |
| outstanding | Aldermore Aldermore Bank PLC | A registered charge | 1 property | 22/12/2025 | — | |
| outstanding | Aldermore Aldermore Bank PLC | A registered charge | 1 property | 18/12/2025 | — | |
| outstanding | Aldermore Aldermore Bank PLC | A registered charge | 1 property | 01/10/2024 | — | |
| outstanding | The Mortgage Lender The Mortgage Lender Limited | A registered charge | 1 property | 18/07/2024 | — | |
| outstanding | The Mortgage Lender | A registered charge | 1 property | 04/07/2023 | — | |
| outstanding | Aldermore Aldermore Bank PLC | A registered charge | — | 26/06/2023 | — | |
| outstanding | Aldermore Aldermore Bank PLC | A registered charge | 1 property | 09/12/2022 | — | |
| outstanding | Lloyds Banking Group The Royal Bank of Scotland PLC | A registered charge | 1 property | 06/03/2020 | — | |
| satisfied | Lloyds Banking Group The Royal Bank of Scotland PLC | A registered charge | — | 05/02/2020 | 20/11/2025 | |
| outstanding | Lloyds Banking Group The Royal Bank of Scotland PLC | A registered charge | 1 property | 28/01/2020 | — |
Click column headers to sort. Use filters above to narrow by status and lender.
Recent filings (46 total)
mortgage-create-with-deed-with-charge-number-charge-creation-date
mortgage · MR01
2026-01-13
mortgage-create-with-deed-with-charge-number-charge-creation-date
mortgage · MR01
2025-12-31
mortgage-create-with-deed-with-charge-number-charge-creation-date
mortgage · MR01
2025-12-24
accounts-with-accounts-type-total-exemption-full
accounts · AA
2025-11-26
mortgage-satisfy-charge-full
mortgage · MR04
2025-11-20
confirmation-statement-with-no-updates
confirmation-statement · CS01
2025-08-28
change-to-a-person-with-significant-control
persons-with-significant-control · PSC04
2025-04-17
accounts-with-accounts-type-total-exemption-full
accounts · AA
2024-10-02
mortgage-create-with-deed-with-charge-number-charge-creation-date
mortgage · MR01
2024-10-01
confirmation-statement-with-no-updates
confirmation-statement · CS01
2024-08-19
mortgage-create-with-deed-with-charge-number-charge-creation-date
mortgage · MR01
2024-07-19
accounts-with-accounts-type-total-exemption-full
accounts · AA
2023-09-11
confirmation-statement-with-no-updates
confirmation-statement · CS01
2023-08-31
mortgage-create-with-deed-with-charge-number-charge-creation-date
mortgage · MR01
2023-07-06
mortgage-create-with-deed-with-charge-number-charge-creation-date
mortgage · MR01
2023-06-27