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.
Why now
Window steady · low confidence
Steady and stalled — no momentum either way. Needs an approach trigger.
What changed my view
Last 30 days

No material changes in the last 30 days.

Last 90 days

No snapshot from 90 days ago — start tracking from today.

Last 180 days

No snapshot from 180 days ago — start tracking from today.

🔒Estimated value
—
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Turnover
—
year to Mar 2025
Net worth
£614.6k
book net assets
Opportunity
69/100
Strong
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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
Pursue
Active 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 6.5y

15/100
under pressure

Refinance would be pressure-driven, not opportunity-driven. Expect tighter margins and covenant scrutiny.

  • · Oldest live charge is 6.5 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 declared
Positive net assets
Net assets £614,627
Cash YoY
-36%
Year on year

Key financials

2 years extracted from filed iXBRL accounts
Cash
£151k
↓ 36% YoY
Net Worth
£615k
↑ 6.6% YoY
Current Assets
£171k
↓ 41% YoY
Current Liabilities
—
£0£123k£246k£369k£492k£615kMar 2024Mar 2025

Hover to see exact values · click legend to toggle series

Financials

Extracted from Companies House accounts · accounting standard unknown
Metric2025-03-312024-03-31
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
0
filings
Counts from Companies House filing history.
Corporate timeline (34 events)Click to expand
  1. 2026-01-13
    📄
    mortgage-create-with-deed-with-charge-number-charge-creation-date
    mortgage · MR01
  2. 2026-01-12
    🔒
    Charge registered #11
    Lender: Aldermore Bank PLC
  3. 2025-12-31
    📄
    mortgage-create-with-deed-with-charge-number-charge-creation-date
    mortgage · MR01
  4. 2025-12-24
    📄
    mortgage-create-with-deed-with-charge-number-charge-creation-date
    mortgage · MR01
  5. 2025-12-22
    🔒
    Charge registered #9
    Lender: Aldermore Bank PLC
  6. 2025-12-18
    🔒
    Charge registered #10
    Lender: Aldermore Bank PLC
  7. 2025-11-26
    📄
    accounts-with-accounts-type-total-exemption-full
    accounts · AA
  8. 2025-11-20
    📄
    mortgage-satisfy-charge-full
    mortgage · MR04
  9. 2025-11-20
    🔓
    Charge satisfied #2
  10. 2025-04-17
    📄
    change-to-a-person-with-significant-control
    persons-with-significant-control · PSC04
  11. 2024-10-02
    📄
    accounts-with-accounts-type-total-exemption-full
    accounts · AA
  12. 2024-10-01
    📄
    mortgage-create-with-deed-with-charge-number-charge-creation-date
    mortgage · MR01
  13. 2024-10-01
    🔒
    Charge registered #8
    Lender: Aldermore Bank PLC
  14. 2024-07-19
    📄
    mortgage-create-with-deed-with-charge-number-charge-creation-date
    mortgage · MR01
  15. 2024-07-18
    🔒
    Charge registered #7
    Lender: The Mortgage Lender Limited
  16. 2023-09-11
    📄
    accounts-with-accounts-type-total-exemption-full
    accounts · AA
  17. 2023-07-06
    📄
    mortgage-create-with-deed-with-charge-number-charge-creation-date
    mortgage · MR01
  18. 2023-07-04
    🔒
    Charge registered #6
    Lender: The Mortgage Lender
  19. 2023-06-27
    📄
    mortgage-create-with-deed-with-charge-number-charge-creation-date
    mortgage · MR01
  20. 2023-06-26
    🔒
    Charge registered #5
    Lender: Aldermore Bank PLC
  21. 2022-12-12
    📄
    mortgage-create-with-deed-with-charge-number-charge-creation-date
    mortgage · MR01
  22. 2022-12-09
    🔒
    Charge registered #4
    Lender: Aldermore Bank PLC
  23. 2022-07-20
    📄
    accounts-with-accounts-type-total-exemption-full
    accounts · AA
  24. 2021-12-08
    📄
    accounts-with-accounts-type-total-exemption-full
    accounts · AA
  25. 2020-09-21
    📄
    accounts-with-accounts-type-total-exemption-full
    accounts · AA
  26. 2020-03-14
    📄
    mortgage-create-with-deed-with-charge-number-charge-creation-date
    mortgage · MR01
  27. 2020-03-06
    🔒
    Charge registered #3
    Lender: The Royal Bank of Scotland PLC
  28. 2020-02-12
    📄
    mortgage-create-with-deed-with-charge-number-charge-creation-date
    mortgage · MR01
  29. 2020-02-05
    🔒
    Charge registered #2
    Lender: The Royal Bank of Scotland PLC
  30. 2020-01-28
    🔒
    Charge registered #1
    Lender: The Royal Bank of Scotland PLC
  31. 2016-09-07
    ➖
    SHARP, Ian resigned
    secretary
  32. 2012-08-02
    🏢
    Company incorporated
    As BJC INTERIORS LIMITED
  33. 2012-08-02
    ➕
    CAMERON, Brian appointed
    director
  34. 2012-08-02
    ➕
    SHARP, Ian appointed
    secretary

Owner dependency

75/100
High — earn-out structure required

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

FACTORS
  • +Sole director: Only one active director — all governance concentrated on one person.

Succession & seller-readiness

58/100
Strong succession signal

Multiple 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 low
3 new charges in last 12 months
medium

Heavy 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
low

Heavily leveraged with multiple live security positions — understand the capital structure before proceeding.

Shareholders & ownership

1 active beneficial owner · dominant holder ≥75%
NameSharesVoting rightsNature of controlNotified
Mr Brian Cameron
Individual · Scottish · DOB 07/1986 · age 40
75–100%
75–100%board control75-100% shares · 75-100% voting · board control02/08/2016

From Companies House Persons with Significant Control filings. Share ranges are banded per the public PSC regime.

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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→
director · ~40y · appointed 2012-08-02
View their other companies + combined net worth →
Active
SHARP, Ian→
secretary · appointed 2012-08-02 · resigned 2016-09-07
Resigned

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
TypeProperties
outstanding
Aldermore
Aldermore Bank PLC
A registered charge1 property12/01/2026—
outstanding
Aldermore
Aldermore Bank PLC
A registered charge1 property22/12/2025—
outstanding
Aldermore
Aldermore Bank PLC
A registered charge1 property18/12/2025—
outstanding
Aldermore
Aldermore Bank PLC
A registered charge1 property01/10/2024—
outstanding
The Mortgage Lender
The Mortgage Lender Limited
A registered charge1 property18/07/2024—
outstanding
The Mortgage Lender
A registered charge1 property04/07/2023—
outstanding
Aldermore
Aldermore Bank PLC
A registered charge—26/06/2023—
outstanding
Aldermore
Aldermore Bank PLC
A registered charge1 property09/12/2022—
outstanding
Lloyds Banking Group
The Royal Bank of Scotland PLC
A registered charge1 property06/03/2020—
satisfied
Lloyds Banking Group
The Royal Bank of Scotland PLC
A registered charge—05/02/202020/11/2025
outstanding
Lloyds Banking Group
The Royal Bank of Scotland PLC
A registered charge1 property28/01/2020—
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