BANYAN PROPERTY INVESTMENTS LTD

🏛️Establishedactive
SC662888 · ltd · incorporated 2020-06-02
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 5.4y old — refinance window within 12 months
🔒Estimated value
—
Upgrade to see
Turnover
—
year to Jun 2025
Net worth
£17.9k
book net assets
Opportunity
75/100
Strong
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What this business does
Primary activity: Buying and selling of own real estate
Sector: Real estate
Investor take
Pursue
Strong opportunity: property-backed borrower with strong profile and bankable structure.

Opportunity 75/100 (strong), bankability 75/100. High owner-dependency — earn-out structure likely required for clean transition. Share purchase looks the cleaner deal structure. Most likely exit: share sale to pe / searcher (73/100).

🏦

Refinance opportunity

6 live charges · 2 lenders · oldest 5.4y

70/100
ready

Refinance conversation should be productive — structure clean and timing right.

  • · Oldest live charge is 5.4 years old — likely at or near maturity.
  • · Two lenders — manageable, but coordination required.
  • · Legal-friction score 15/100 — clean.

Data confidence

Overall: high (84/100)

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
6 charges (6/6 with lender, 6/6 with type)
90
Directors & officers
2 officers (2 active, 2 linked, 2 with DOB)
90
Ownership & PSC
2 active PSC(s) of 2 total, 2 with control declared
90
Director network
14 connected companies via shared directors
87
Filing history
22 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
75/100Strong
PassWatchWorth a lookStrongExceptional 

Solid opportunity signal. Worth a dedicated memo and management meeting.

Business quality
65
Adequate — check latest filings for context.
Acquirability
75
Strong succession / seller-readiness signals.
Risk profile
74
Few red flags.
Signal strength
100
Good data coverage for analysis.

Signals from accounts

Derived from iXBRL accounts · FRS 105 (micro)
Positive net assets
Net assets £17,914
Net assets shrinking
Down £9,899 YoY

Key financials

2 years extracted from filed iXBRL accounts
Cash
—
Net Worth
£18k
↓ 36% YoY
Current Assets
£66k
↓ 27% YoY
Current Liabilities
—
£0£18k£36k£55k£73k£91kJun 2024Jun 2025

Hover to see exact values · click legend to toggle series

Financials

Extracted from Companies House accounts · FRS 105 (micro)
Metric2025-06-302024-06-30
Total assets£283.1k£311.8k
Current assets£66.2k£90.9k
Net assets£17.9k£27.8k

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
1
filing
  • • 1 accounts
Counts from Companies House filing history.
Corporate timeline (29 events)Click to expand
  1. 2025-12-17
    📄
    accounts-with-accounts-type-micro-entity
    accounts · AA
  2. 2025-06-03
    📍
    change-registered-office-address-company-with-date-old-address-new-address
    address · AD01
  3. 2024-10-29
    📄
    accounts-with-accounts-type-micro-entity
    accounts · AA
  4. 2024-08-29
    📄
    mortgage-satisfy-charge-full
    mortgage · MR04
  5. 2024-08-29
    🔓
    Charge satisfied #3
  6. 2024-08-09
    📄
    mortgage-create-with-deed-with-charge-number-charge-creation-date
    mortgage · MR01
  7. 2024-08-07
    🔒
    Charge registered #6
    Lender: The Mortgage Works (UK) PLC
  8. 2024-06-14
    📍
    change-registered-office-address-company-with-date-old-address-new-address
    address · AD01
  9. 2024-03-18
    📄
    accounts-with-accounts-type-micro-entity
    accounts · AA
  10. 2023-06-22
    📄
    accounts-with-accounts-type-micro-entity
    accounts · AA
  11. 2022-04-01
    📄
    accounts-with-accounts-type-micro-entity
    accounts · AA
  12. 2021-12-24
    📄
    mortgage-create-with-deed-with-charge-number-charge-creation-date
    mortgage · MR01
  13. 2021-12-22
    🔒
    Charge registered #5
    Lender: The Mortgage Works (UK) PLC
  14. 2021-11-16
    📄
    mortgage-create-with-deed-with-charge-number-charge-creation-date
    mortgage · MR01
  15. 2021-11-12
    🔒
    Charge registered #4
    Lender: The Mortgage Works (UK) PLC
  16. 2021-09-01
    📄
    mortgage-create-with-deed-with-charge-number-charge-creation-date
    mortgage · MR01
  17. 2021-08-31
    📄
    mortgage-satisfy-charge-full
    mortgage · MR04
  18. 2021-08-31
    📄
    mortgage-satisfy-charge-full
    mortgage · MR04
  19. 2021-08-31
    🔒
    Charge registered #3
    Lender: Aldermore Bank PLC
  20. 2021-08-31
    🔓
    Charge satisfied #2
  21. 2021-08-31
    🔓
    Charge satisfied #1
  22. 2021-03-19
    📄
    mortgage-create-with-deed-with-charge-number-charge-creation-date
    mortgage · MR01
  23. 2021-03-18
    🔒
    Charge registered #2
    Lender: Aldermore Bank PLC
  24. 2020-12-22
    📄
    mortgage-create-with-deed-with-charge-number-charge-creation-date
    mortgage · MR01
  25. 2020-12-21
    🔒
    Charge registered #1
    Lender: Aldermore Bank PLC
  26. 2020-06-02
    🏢
    Company incorporated
    As BANYAN PROPERTY INVESTMENTS LTD
  27. 2020-06-02
    ➕
    JOSHI, Rajesh appointed
    director
  28. 2020-06-02
    ➕
    SHARMA, Eshan Kumar appointed
    director
  29. 2020-06-02
    📄
    incorporation-company
    incorporation · NEWINC

Owner dependency

71/100
High — earn-out structure required

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

FACTORS
  • +Two-director setup: Only two active directors — typical of owner-managed SMEs but limits succession.
  • +Senior director age: Director aged approximately 58 — approaching natural succession window.
  • +No director turnover: Company is 6 years old with no director changes — suggests a very tight-knit founder team never broadened.

Succession & seller-readiness

46/100
Moderate signal

Some succession indicators present. Worth watching; approach if sector/strategy fits.

SIGNALS
  • secondaryFounder aged 58+: Senior director is approximately 58. Early succession window.
  • secondaryTwo-director governance: Small-team governance. Succession depth is thin but not absent.

Red flags

1 med · 1 low
Charge satisfaction-then-recreation pattern
medium

Multiple instances where a charge was satisfied and a new charge created within 6 months. Suggests active refinancing cycle.

Multiple registered office changes
low

Multiple address changes in a short period can indicate operational instability or admin disorder.

Shareholders & ownership

2 active beneficial owners
NameSharesVoting rightsNature of controlNotified
Mr Rajesh Joshi
Individual · British · DOB 08/1968 · age 58
25–50%
25–50%board control25-50% shares · 25-50% voting · board control02/06/2020
Mr Eshan Kumar Sharma
Individual · British · DOB 08/1998 · age 28
25–50%
25–50%board control25-50% shares · 25-50% voting · board control02/06/2020

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 →

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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
Incorporated2020-06-02
Jurisdictionscotland
Primary SIC68100 — Buying and selling of own real estate

Registered office

37 Ralston Road
Bearsden
Glasgow
G61 3BA
Scotland

Filing status

Accounts
Next due: 2027-03-31
Last made up to: 2025-06-30
Confirmation statement
Next due: 2026-06-15
Last: 2025-06-01

Officers (2 active · 0 resigned)

JOSHI, Rajesh→
director · ~58y · appointed 2020-06-02
View their other companies + combined net worth →
Active
SHARMA, Eshan Kumar→
director · ~28y · appointed 2020-06-02
View their other companies + combined net worth →
Active

Click a director name to see their full track record across all companies.

Mortgages & charges

6
Total charges
3
Outstanding
1
Active lenders
Status:Lender:6 of 6 shown
TypeProperties
outstanding
The Mortgage Works (UK)
The Mortgage Works (UK) PLC
A registered charge2 properties07/08/2024—
outstanding
The Mortgage Works (UK)
The Mortgage Works (UK) PLC
A registered charge1 property22/12/2021—
outstanding
The Mortgage Works (UK)
The Mortgage Works (UK) PLC
A registered charge1 property12/11/2021—
satisfied
Aldermore
Aldermore Bank PLC
A registered charge1 property31/08/202129/08/2024
satisfied
Aldermore
Aldermore Bank PLC
A registered charge1 property18/03/202131/08/2021
satisfied
Aldermore
Aldermore Bank PLC
A registered charge2 properties21/12/202031/08/2021
Click column headers to sort. Use filters above to narrow by status and lender.

Recent filings (22 total)

accounts-with-accounts-type-micro-entity
accounts · AA
2025-12-17
confirmation-statement-with-no-updates
confirmation-statement · CS01
2025-06-03
change-registered-office-address-company-with-date-old-address-new-address
address · AD01
2025-06-03
accounts-with-accounts-type-micro-entity
accounts · AA
2024-10-29
mortgage-satisfy-charge-full
mortgage · MR04
2024-08-29
mortgage-create-with-deed-with-charge-number-charge-creation-date
mortgage · MR01
2024-08-09
confirmation-statement-with-no-updates
confirmation-statement · CS01
2024-06-14
change-registered-office-address-company-with-date-old-address-new-address
address · AD01
2024-06-14
accounts-with-accounts-type-micro-entity
accounts · AA
2024-03-18
accounts-with-accounts-type-micro-entity
accounts · AA
2023-06-22
confirmation-statement-with-no-updates
confirmation-statement · CS01
2023-06-21
confirmation-statement-with-no-updates
confirmation-statement · CS01
2022-06-02
accounts-with-accounts-type-micro-entity
accounts · AA
2022-04-01
mortgage-create-with-deed-with-charge-number-charge-creation-date
mortgage · MR01
2021-12-24
mortgage-create-with-deed-with-charge-number-charge-creation-date
mortgage · MR01
2021-11-16