C J BRUCE INVESTMENTS LIMITED
Opportunity 73/100 (strong), bankability 75/100. High owner-dependency — earn-out structure likely required for clean transition. Share purchase looks the cleaner deal structure. Biggest value-creation lever: Broaden director team. Sole director creates succession risk and reduces buyer comfort. Appoint a second director or strong #2. Most likely exit: share sale to pe / searcher (58/100).
Refinance opportunity
3 live charges · 2 lenders · oldest 5.9y
Refinance would be pressure-driven, not opportunity-driven. Expect tighter margins and covenant scrutiny.
- · Oldest live charge is 5.9 years old — likely at or near maturity.
- · Two lenders — manageable, but coordination required.
- · Distress signals active — lender appetite narrows.
Data confidence
Overall: medium (78/100)Adequate coverage. AI outputs are reliable for the sections scored high; verify the rest in diligence.
Solid opportunity signal. Worth a dedicated memo and management meeting.
Key financials
2 years extracted from filed iXBRL accountsHover to see exact values · click legend to toggle series
Financials
Extracted from Companies House accounts · FRS 102| Metric | 2025-05-31 | 2024-05-31 |
|---|---|---|
| Total assets | — | £137.2k |
| Cash | — | £235 |
| Net assets | — | £-3.8k |
Amounts extracted automatically from iXBRL. Fields left blank were not reported or not mapped. Values in GBP unless stated.
3 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
- • 1 accounts
- • 1 accounts
- • 1 mortgage
Corporate timeline (18 events)Click to expand
- 2026-01-27📄accounts-with-accounts-type-total-exemption-fullaccounts · AA
- 2026-01-26📄mortgage-satisfy-charge-fullmortgage · MR04
- 2026-01-26🔓Charge satisfied #1
- 2025-02-13📄accounts-with-accounts-type-total-exemption-fullaccounts · AA
- 2024-08-02📄mortgage-create-with-deed-with-charge-number-charge-creation-datemortgage · MR01
- 2024-07-30🔒Charge registered #3Lender: Aldermore Bank PLC
- 2024-05-22📄accounts-with-accounts-type-total-exemption-fullaccounts · AA
- 2023-02-28📄accounts-with-accounts-type-total-exemption-fullaccounts · AA
- 2022-05-12📄mortgage-create-with-deed-with-charge-number-charge-creation-datemortgage · MR01
- 2022-05-04🔒Charge registered #2Lender: The Mortgage Works (UK) PLC
- 2022-02-28📄accounts-with-accounts-type-total-exemption-fullaccounts · AA
- 2021-05-10📄change-to-a-person-with-significant-controlpersons-with-significant-control · PSC04
- 2021-05-07📄accounts-with-accounts-type-total-exemption-fullaccounts · AA
- 2020-05-26📄mortgage-create-with-deed-with-charge-number-charge-creation-datemortgage · MR01
- 2020-05-19🔒Charge registered #1Lender: The Mortgage Works (UK) PLC
- 2019-05-09🏢Company incorporatedAs C J BRUCE INVESTMENTS LIMITED
- 2019-05-09➕BRUCE, Connor James appointeddirector
- 2019-05-09📄incorporation-companyincorporation · NEWINC
Owner dependency
The business appears inseparable from the founder. Acquisition without a serious earn-out or meaningful transition period would likely destroy value.
- +Sole director: Only one active director — all governance concentrated on one person.
- +Founder name in company name: Company name contains director surname "BRUCE" — strong identity link between founder and business.
- +No director turnover: Company is 7 years old with no director changes — suggests a very tight-knit founder team never broadened.
Succession & seller-readiness
Some succession indicators present. Worth watching; approach if sector/strategy fits.
- primarySole active director: Only one director in control. No visible successor — buyers solve the succession problem.
Red flags
cleanShareholders & ownership
1 active beneficial owner · dominant holder ≥75%| Name | Shares | Voting rights | Nature of control | Notified |
|---|---|---|---|---|
Mr Connor James Bruce Individual · British · DOB 06/1996 · age 30 | 75–100% | 75–100% | board control75-100% shares · 75-100% voting · board control | 09/05/2019 |
From Companies House Persons with Significant Control filings. Share ranges are banded per the public PSC regime.
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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 →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
Registered office
Filing status
Officers (1 active · 0 resigned)
Click a director name to see their full track record across all companies.
Mortgages & charges
| Type | Properties | |||||
|---|---|---|---|---|---|---|
| outstanding | Aldermore Aldermore Bank PLC | A registered charge | 1 property | 30/07/2024 | — | |
| outstanding | The Mortgage Works (UK) The Mortgage Works (UK) PLC | A registered charge | 1 property | 04/05/2022 | — | |
| satisfied | The Mortgage Works (UK) The Mortgage Works (UK) PLC | A registered charge | 1 property | 19/05/2020 | 26/01/2026 |