CSJ PROPERTY MANAGEMENT LIMITED
🏛️Establishedactive
SC578431 · ltd · incorporated 2017-10-09
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.
Why now
Window steady · low confidence
Stable recent picture — watch for any upcoming trigger event.
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
—
Upgrade to see
Turnover
—
year to Mar 2025
Net worth
£70.6k
book net assets
Opportunity
74/100
Strong
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
PursueProperty-backed borrower with a 69-year-old founder — textbook succession opportunity.
Opportunity 74/100 (strong), bankability 57/100. Strong seller-intent signal (60/100, director aged 69). Share purchase looks the cleaner deal structure. Biggest value-creation lever: Consolidate lender relationships. 3 distinct lenders creates friction — refinance into single-lender structure for cleaner diligence. Most likely exit: share sale to pe / searcher (73/100).
🏦
Refinance opportunity
7 live charges · 3 lenders · oldest 7.9y
15/100
under pressure
Refinance would be pressure-driven, not opportunity-driven. Expect tighter margins and covenant scrutiny.
- · Oldest live charge is 7.9 years old — likely at or near maturity.
- · 3 lenders named — inter-creditor friction likely.
- · Cashflow trend is negative — lender view likely cautious.
Data confidence
Overall: medium (78/100)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
7 charges (7/7 with lender, 7/7 with type)
90
Directors & officers
2 officers (2 active, 2 linked, 2 with DOB)
90
Ownership & PSC
1 active PSC(s) of 2 total, 2 with control declared
90
Director network
Network not yet resolved
30
Filing history
34 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
55
Adequate — check latest filings for context.
Acquirability
70
Strong succession / seller-readiness signals.
Risk profile
82
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 £70,644
Cash draining
Cash down 59% YoY
Cash YoY
-59%
Year on year
Key financials
2 years extracted from filed iXBRL accountsCash
£69k
↓ 59% YoY
Net Worth
£71k
↑ 78% YoY
Current Assets
£70k
↓ 58% 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 | £541.9k | £511.0k |
| Current assets | £70.3k | £168.5k |
| Cash | £69.3k | £167.2k |
| Debtors | £917 | £1.3k |
| Net assets | £70.6k | £39.7k |
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
1
filing
- • 1 officers
Last 90 days
1
filing
- • 1 officers
Last 180 days
2
filings
- • 1 officers
- • 1 mortgage
Counts from Companies House filing history.
Corporate timeline (27 events)Click to expand
- 2026-06-27📄change-person-director-company-with-change-dateofficers · CH01
- 2026-04-08📄mortgage-create-with-deed-with-charge-number-charge-creation-datemortgage · MR01
- 2026-04-06🔒Charge registered #7Lender: The Mortgage Works (UK) PLC
- 2025-12-03📄cessation-of-a-person-with-significant-controlpersons-with-significant-control · PSC07
- 2025-12-03📄change-to-a-person-with-significant-controlpersons-with-significant-control · PSC04
- 2025-10-07📄accounts-with-accounts-type-total-exemption-fullaccounts · AA
- 2025-06-09📄change-person-director-company-with-change-dateofficers · CH01
- 2025-05-22📄mortgage-create-with-deed-with-charge-number-charge-creation-datemortgage · MR01
- 2025-05-21🔒Charge registered #6Lender: The Mortgage Lender Limited
- 2025-03-27📄change-to-a-person-with-significant-controlpersons-with-significant-control · PSC04
- 2024-12-16📄accounts-with-accounts-type-total-exemption-fullaccounts · AA
- 2023-12-18📄mortgage-create-with-deed-with-charge-number-charge-creation-datemortgage · MR01
- 2023-12-13🔒Charge registered #5Lender: The Mortgage Works (UK) PLC
- 2023-10-03📄change-to-a-person-with-significant-controlpersons-with-significant-control · PSC04
- 2023-09-07📄accounts-with-accounts-type-total-exemption-fullaccounts · AA
- 2022-10-06📄accounts-with-accounts-type-total-exemption-fullaccounts · AA
- 2021-11-17📄change-person-director-company-with-change-dateofficers · CH01
- 2021-07-09📄accounts-with-accounts-type-total-exemption-fullaccounts · AA
- 2021-01-16📄mortgage-create-with-deed-with-charge-number-charge-creation-datemortgage · MR01
- 2021-01-12🔒Charge registered #4Lender: The Mortgage Works (UK) PLC
- 2020-12-02📄mortgage-create-with-deed-with-charge-number-charge-creation-datemortgage · MR01
- 2020-11-23🔒Charge registered #3Lender: The Mortgage Works (UK) PLC
- 2019-04-24🔒Charge registered #2Lender: The Mortgage Works (UK) PLC
- 2018-08-09🔒Charge registered #1Lender: Mortgage Works (UK) PLC
- 2017-10-09🏢Company incorporatedAs CSJ PROPERTY MANAGEMENT LIMITED
- 2017-10-09➕JAMES, Christopher Geraint appointeddirector
- 2017-10-09➕JAMES, Stephen Donald appointeddirector
Owner dependency
86/100
Critical — business is the founderThe 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.
- +Founder age: Director aged approximately 69 — succession pressure is live.
- +Family involvement: Multiple officers share a surname — likely family business, which concentrates governance.
- +No director turnover: Company is 9 years old with no director changes — suggests a very tight-knit founder team never broadened.
Succession & seller-readiness
56/100
Strong succession signalMultiple signals suggest succession is on the horizon. Candidate for proactive outreach.
SIGNALS
- primaryFounder aged 63+: Senior director is approximately 69. Approaching typical UK retirement age — succession thinking likely.
- secondaryTwo-director governance: Small-team governance. Succession depth is thin but not absent.
Red flags
1 low7 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 Christopher Geraint James Individual · British · DOB 02/1993 · age 33 | 75–100% | 75–100% | board control75-100% shares · 75-100% voting · board control | 22/10/2020 |
1 historic (ceased) PSC
- Mr Stephen Donald Jamesceased 15/11/2025· 75-100% shares · 75-100% voting
From Companies House Persons with Significant Control filings. Share ranges are banded per the public PSC regime.
Similar companies
Active · Property · KY postcode area| Company | Est. value | Turnover | Net worth | Staff | Age | Opp | Director |
|---|---|---|---|---|---|---|---|
| PCM PROPERTIES LIMITED→ SC142138 · est 1993 | £1.18M £1.01M–£1.36M | — | £1.18M | — | 33y | 82 | 68y |
| G.W. DOUGLAS PROPERTY & GARAGE COMPANY LIMITED→ SC031202 · est 1955 | £1.10M £938.6k–£1.27M | — | £1.10M | — | 70y | 82 | 70y |
| MVPR LIMITED→ SC240584 · est 2002 | £753.5k £640.4k–£866.5k | — | £753.5k | — | 23y | 82 | 69y |
| A J W PROPERTIES (SCOTLAND) LIMITED→ SC254914 · est 2003 | £631.0k £536.4k–£725.7k | — | £631.0k | — | 22y | 82 | 73y |
| BENTHEAD DEVELOPMENTS LIMITED→ SC123999 · est 1990 | £469.5k £399.1k–£539.9k | — | £469.5k | — | 36y | 82 | 65y |
| ABBEYFORT HOLIDAYS LIMITED→ SC301687 · est 2006 | £408.0k £346.8k–£469.2k | — | £408.0k | — | 20y | 83 | 61y |
| TAYLOR BROTHERS (PROPERTY DEVELOPMENT) LIMITED→ SC058985 · est 1975 | £392.5k £333.7k–£451.4k | — | £392.5k | — | 50y | 83 | 79y |
| STARK'S PARK PROPERTIES LTD→ SC226922 · est 2002 | £337.6k £287.0k–£388.3k | — | £337.6k | — | 24y | 82 | 75y |
| BRAEFIELD LIMITED→ SC158886 · est 1995 | £292.4k £248.5k–£336.2k | — | £292.4k | — | 31y | 82 | 74y |
| GOOD NEWS (DUNFERMLINE) LIMITED→ SC168501 · est 1996 | £126.6k £107.6k–£145.6k | — | £126.6k | — | 29y | 82 | 67y |
| SUMMITS INVESTMENTS LIMITED→ SC169947 · est 1996 | £123.7k £105.1k–£142.3k | — | £123.7k | — | 29y | 82 | 73y |
| REGENTS ESTATES AND MORTGAGES LIMITED→ SC252333 · est 2003 | £107.7k £91.5k–£123.8k | — | £107.7k | — | 23y | 82 | 64y |
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
Incorporated2017-10-09
Jurisdictionscotland
Primary SIC68100 — Buying and selling of own real estate
Registered office
3 Moubray Lane
Crook Of Devon
Kinross
KY13 0XH
United Kingdom
Filing status
Accounts
Next due: 2026-12-31
Last made up to: 2025-03-31
Confirmation statement
Next due: 2026-12-25
Last: 2025-12-11
Officers (2 active · 0 resigned)
JAMES, Christopher Geraint→
Activedirector · ~33y · appointed 2017-10-09
View their other companies + combined net worth →
JAMES, Stephen Donald→
Activedirector · ~69y · appointed 2017-10-09
View their other companies + combined net worth →
Click a director name to see their full track record across all companies.
Mortgages & charges
7
Total charges
7
Outstanding
3
Active lenders
Status:Lender:7 of 7 shown
| Type | Properties | |||||
|---|---|---|---|---|---|---|
| outstanding | The Mortgage Works (UK) The Mortgage Works (UK) PLC | A registered charge | 1 property | 06/04/2026 | — | |
| outstanding | The Mortgage Lender The Mortgage Lender Limited | A registered charge | 1 property | 21/05/2025 | — | |
| outstanding | The Mortgage Works (UK) The Mortgage Works (UK) PLC | A registered charge | 1 property | 13/12/2023 | — | |
| outstanding | The Mortgage Works (UK) The Mortgage Works (UK) PLC | A registered charge | 1 property | 12/01/2021 | — | |
| outstanding | The Mortgage Works (UK) The Mortgage Works (UK) PLC | A registered charge | 1 property | 23/11/2020 | — | |
| outstanding | The Mortgage Works (UK) The Mortgage Works (UK) PLC | A registered charge | 1 property | 24/04/2019 | — | |
| outstanding | Mortgage Works (UK) Mortgage Works (UK) PLC | A registered charge | 1 property | 09/08/2018 | — |
Click column headers to sort. Use filters above to narrow by status and lender.
Recent filings (34 total)
change-person-director-company-with-change-date
officers · CH01
2026-06-27
mortgage-create-with-deed-with-charge-number-charge-creation-date
mortgage · MR01
2026-04-08
confirmation-statement-with-updates
confirmation-statement · CS01
2025-12-11
cessation-of-a-person-with-significant-control
persons-with-significant-control · PSC07
2025-12-03
change-to-a-person-with-significant-control
persons-with-significant-control · PSC04
2025-12-03
accounts-with-accounts-type-total-exemption-full
accounts · AA
2025-10-07
confirmation-statement-with-no-updates
confirmation-statement · CS01
2025-07-18
change-person-director-company-with-change-date
officers · CH01
2025-06-09
mortgage-create-with-deed-with-charge-number-charge-creation-date
mortgage · MR01
2025-05-22
change-to-a-person-with-significant-control
persons-with-significant-control · PSC04
2025-03-27
accounts-with-accounts-type-total-exemption-full
accounts · AA
2024-12-16
confirmation-statement-with-no-updates
confirmation-statement · CS01
2024-07-19
mortgage-create-with-deed-with-charge-number-charge-creation-date
mortgage · MR01
2023-12-18
change-to-a-person-with-significant-control
persons-with-significant-control · PSC04
2023-10-03
accounts-with-accounts-type-total-exemption-full
accounts · AA
2023-09-07