BNGJ LTD
🌳Matureactive
SC456653 · ltd · incorporated 2013-08-14
Investment thesis
Property vehicle with leveraged stack — refinance / partial-release angle.
Why interesting: Asset-backed; value largely in underlying property; lender engagement likely possible.
Why risky: Multiple lenders to manage; inter-creditor friction and partial-release cost possible.
Opportunity decay
approaching window · 12-months
Approaching a transaction window — refinance or sale event plausible in the next 12 months.
- · Oldest live charge 12.5y old — refinance window within 12 months
🔒Estimated value
—
Upgrade to see
Turnover
—
year to Aug 2024
Net worth
£129.0k
book net assets
Opportunity
74/100
Strong
What this business does
Primary activity: Other letting and operating of own or leased real estate
Sector: Real estate
Investor take
PursueStrong opportunity: property-backed borrower with strong profile and bankable structure.
Opportunity 74/100 (strong), bankability 80/100. Share purchase looks the cleaner deal structure. Most likely exit: strategic trade sale (63/100).
🏦
Refinance opportunity
3 live charges · oldest 12.5y
85/100
ready
Refinance conversation should be productive — structure clean and timing right.
- · Oldest live charge is 12.5 years old — likely at or near maturity.
- · Single lender — cleanest path to refinance.
- · Legal-friction score 15/100 — clean.
Data confidence
Overall: high (81/100)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
3 charges (3/3 with lender, 3/3 with type)
90
Directors & officers
3 officers (3 active, 3 linked, 3 with DOB)
90
Ownership & PSC
1 active PSC(s) of 1 total, 1 with control declared
90
Director network
4 connected companies via shared directors
57
Filing history
28 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
74/100Strong
PassWatchWorth a lookStrongExceptional
Solid opportunity signal. Worth a dedicated memo and management meeting.
Business quality
70
Active, clean filings, stable charge profile.
Acquirability
50
Some acquirability indicators.
Risk profile
85
Few red flags.
Signal strength
100
Good data coverage for analysis.
Signals from accounts
Derived from iXBRL accounts · FRS 102Positive net assets
Net assets £129,042
Cash YoY
-12%
Year on year
Key financials
2 years extracted from filed iXBRL accountsCash
£24k
↓ 12% YoY
Net Worth
£129k
↑ 6.1% YoY
Current Assets
£24k
↓ 12% YoY
Current Liabilities
—
Hover to see exact values · click legend to toggle series
Financials
Extracted from Companies House accounts · FRS 102| Metric | 2024-08-31 | 2023-08-31 |
|---|---|---|
| Total assets | £179.0k | £180.8k |
| Current assets | £24.3k | £27.6k |
| Cash | £24.3k | £27.6k |
| Net assets | £129.0k | £121.6k |
Amounts extracted automatically from iXBRL. Fields left blank were not reported or not mapped. Values in GBP unless stated.
🔒Filing-note intelligence
2 signals 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 (22 events)Click to expand
- 2025-05-30📄accounts-with-accounts-type-total-exemption-fullaccounts · AA
- 2024-05-30📄accounts-with-accounts-type-total-exemption-fullaccounts · AA
- 2023-05-30📄accounts-with-accounts-type-total-exemption-fullaccounts · AA
- 2022-06-16📄accounts-amended-with-accounts-type-total-exemption-fullaccounts · AAMD
- 2022-05-24📄accounts-with-accounts-type-total-exemption-fullaccounts · AA
- 2021-05-31📄accounts-with-accounts-type-total-exemption-fullaccounts · AA
- 2020-05-28📄accounts-with-accounts-type-total-exemption-fullaccounts · AA
- 2019-05-30📄accounts-with-accounts-type-total-exemption-fullaccounts · AA
- 2018-05-30📄accounts-with-accounts-type-total-exemption-fullaccounts · AA
- 2017-05-17📄accounts-with-accounts-type-total-exemption-smallaccounts · AA
- 2016-05-09📄accounts-with-accounts-type-total-exemption-smallaccounts · AA
- 2015-08-22📄annual-return-company-with-made-up-date-full-list-shareholdersannual-return · AR01
- 2015-05-11📄accounts-with-accounts-type-total-exemption-smallaccounts · AA
- 2014-09-11📄annual-return-company-with-made-up-date-full-list-shareholdersannual-return · AR01
- 2013-11-22📄mortgage-create-with-deed-with-charge-numbermortgage · MR01
- 2013-11-19🔒Charge registered #3Lender: Bank of Scotland PLC
- 2013-11-19🔒Charge registered #2Lender: Bank of Scotland PLC
- 2013-11-19🔒Charge registered #1Lender: Bank of Scotland PLC
- 2013-08-14🏢Company incorporatedAs BNGJ LTD
- 2013-08-14➕GOGNA, Auran appointeddirector
- 2013-08-14➕GOGNA, Hardeep appointeddirector
- 2013-08-14➕SINGH, Joga appointeddirector
Owner dependency
58/100
Moderate — manageable with handoverSome founder dependency, but not acute. A structured handover period should cover most risk.
FACTORS
- +Family involvement: Multiple officers share a surname — likely family business, which concentrates governance.
Succession & seller-readiness
43/100
Moderate signalSome succession indicators present. Worth watching; approach if sector/strategy fits.
SIGNALS
- secondary12+ year tenure: Director in role 13 years.
- supportingClean filings + long tenure: Disciplined long-tenure operator — classic lifestyle-business pattern that often sells quietly.
Red flags
cleanNo red flags detected from available public data. (This is not a clean bill of health — detailed accounts review still recommended.)
Shareholders & ownership
1 active beneficial owner| Name | Shares | Voting rights | Nature of control | Notified |
|---|---|---|---|---|
Mr Joga Singh Individual · British · DOB 05/1971 · age 55 | 25–50% | — | 25-50% shares | 01/08/2016 |
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 · G postcode area| Company | Est. value | Turnover | Net worth | Staff | Age | Opp | Director |
|---|---|---|---|---|---|---|---|
| BORN N BRED LIMITED→ SC732032 · est 2022 · no financials extracted | — | — | — | — | 3y | — | — |
| BOX PROPERTY DEVELOPMENTS LIMITED→ SC283218 · est 2005 · no financials extracted | — | — | — | — | 21y | — | — |
| BOYD PROPERTY SOLUTIONS LTD→ SC745571 · est 2022 · no financials extracted | — | — | — | — | 3y | — | — |
| BRAIDS LETTINGS LTD→ SC876446 · est 2026 · no financials extracted | — | — | — | — | — | — | — |
| BRAND & ROSS ADMIRAL LTD→ SC588816 · est 2018 · no financials extracted | — | — | — | — | 8y | — | — |
| BREMNER CAPITAL INVESTMENTS LTD→ SC866678 · est 2025 · no financials extracted | — | — | — | — | — | — | — |
| BROOMLAND INVESTMENTS LTD→ SC432327 · est 2012 · no financials extracted | — | — | — | — | 13y | — | — |
| BROONS CAPITAL LIMITED→ SC691937 · est 2021 · no financials extracted | — | — | — | — | 5y | — | — |
| BROONS HOLDINGS LTD→ SC880258 · est 2026 · no financials extracted | — | — | — | — | — | — | — |
| BRYSON YOUNG & COMPANY LIMITED→ SC074143 · est 1981 · no financials extracted | — | — | — | — | 45y | — | — |
| BS 177 NUMBER 2 LIMITED→ SC614879 · est 2018 · no financials extracted | — | — | — | — | 7y | — | — |
| BS 177 NUMBER 3 LIMITED→ SC614874 · est 2018 · no financials extracted | — | — | — | — | 7y | — | — |
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
Incorporated2013-08-14
Jurisdictionscotland
Primary SIC68209 — Other letting and operating of own or leased real estate
Registered office
15 Birkdale Crescent
Cumbernauld
Glasgow
G68 0JZ
Filing status
Accounts
Next due: 2026-05-31
Last made up to: 2024-08-31
Confirmation statement
Next due: 2026-08-05
Last: 2025-07-22
Officers (3 active · 0 resigned)
GOGNA, Auran→
Activedirector · ~52y · appointed 2013-08-14
View their other companies + combined net worth →
GOGNA, Hardeep→
Activedirector · ~49y · appointed 2013-08-14
View their other companies + combined net worth →
Active
Click a director name to see their full track record across all companies.
Mortgages & charges
3
Total charges
3
Outstanding
1
Active lenders
Status:Lender:3 of 3 shown
| Type | Properties | |||||
|---|---|---|---|---|---|---|
| outstanding | Lloyds Banking Group Bank of Scotland PLC | A registered charge | 1 property | 19/11/2013 | — | |
| outstanding | Lloyds Banking Group Bank of Scotland PLC | A registered charge | 1 property | 19/11/2013 | — | |
| outstanding | Lloyds Banking Group Bank of Scotland PLC | A registered charge | 1 property | 19/11/2013 | — |
Click column headers to sort. Use filters above to narrow by status and lender.
Recent filings (28 total)
confirmation-statement-with-no-updates
confirmation-statement · CS01
2025-08-18
accounts-with-accounts-type-total-exemption-full
accounts · AA
2025-05-30
confirmation-statement-with-no-updates
confirmation-statement · CS01
2024-08-25
accounts-with-accounts-type-total-exemption-full
accounts · AA
2024-05-30
confirmation-statement-with-no-updates
confirmation-statement · CS01
2023-07-31
accounts-with-accounts-type-total-exemption-full
accounts · AA
2023-05-30
confirmation-statement-with-no-updates
confirmation-statement · CS01
2022-08-23
accounts-amended-with-accounts-type-total-exemption-full
accounts · AAMD
2022-06-16
accounts-with-accounts-type-total-exemption-full
accounts · AA
2022-05-24
confirmation-statement-with-no-updates
confirmation-statement · CS01
2021-08-05
accounts-with-accounts-type-total-exemption-full
accounts · AA
2021-05-31
confirmation-statement-with-no-updates
confirmation-statement · CS01
2020-08-05
accounts-with-accounts-type-total-exemption-full
accounts · AA
2020-05-28
confirmation-statement-with-no-updates
confirmation-statement · CS01
2019-08-03
accounts-with-accounts-type-total-exemption-full
accounts · AA
2019-05-30