J & S COMMERCIAL PROPERTIES LIMITED
🌿Early-stageactive
SC721315 · ltd · incorporated 2022-01-28
Investment thesis
Property vehicle with a workable charge structure — clean refinance potential.
Why interesting: Asset-backed; value largely in underlying property; lender engagement likely possible.
Why risky: Dependent on title and valuation due diligence; standard property risks.
🔒Estimated value
—
Upgrade to see
Turnover
—
year to Jan 2025
Net worth
—
book net assets
Opportunity
76/100
Strong
What this business does
Primary activity: Other letting and operating of own or leased real estate
Sector: Real estate
Investor take
PursueProperty-backed borrower with a 66-year-old founder — textbook succession opportunity.
Opportunity 76/100 (strong), bankability 75/100. Strong seller-intent signal (60/100, director aged 66). Share purchase looks the cleaner deal structure. Most likely exit: share sale to pe / searcher (73/100).
🏦
Refinance opportunity
1 live charge · oldest 0.4y
50/100
clean up first
Refinance viable after a tidy-up — address the highlighted items first.
- · Newest facility, 0.4 years old — likely still in initial term.
- · Single lender — cleanest path to refinance.
- · Legal-friction score 15/100 — clean.
Data confidence
Overall: high (80/100)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
1 charges (1/1 with lender, 1/1 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
1 connected companies via shared directors
48
Filing history
14 filings on record
85
Gazette notices
No matching gazette notices (standard for active companies)
60
Opportunity Score
76/100Strong
PassWatchWorth a lookStrongExceptional
Solid opportunity signal. Worth a dedicated memo and management meeting.
Business quality
60
Adequate — check latest filings for context.
Acquirability
70
Strong succession / seller-readiness signals.
Risk profile
85
Few red flags.
Signal strength
100
Good data coverage for analysis.
Key financials
2 years extracted from filed iXBRL accountsCash
—
Net Worth
—
Current Assets
—
Current Liabilities
—
Hover to see exact values · click legend to toggle series
Financials
Extracted from Companies House accounts · accounting standard unknown| Metric | 2025-01-31 | 2024-01-31 |
|---|---|---|
| Average employees | 0 | 0 |
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
3
filings
- • 1 address
- • 1 confirmation-statement
- • 1 mortgage
Counts from Companies House filing history.
Corporate timeline (14 events)Click to expand
- 2026-02-12📍change-registered-office-address-company-with-date-old-address-new-addressaddress · AD01
- 2026-01-07📄mortgage-create-with-deed-with-charge-number-charge-creation-datemortgage · MR01
- 2026-01-06🔒Charge registered #1Lender: National Grid Property Holdings Limited
- 2025-05-08📄accounts-with-accounts-type-micro-entityaccounts · AA
- 2024-10-14📄accounts-with-accounts-type-micro-entityaccounts · AA
- 2023-10-24📄accounts-with-accounts-type-dormantaccounts · AA
- 2023-09-28📄appoint-person-director-company-with-name-dateofficers · AP01
- 2023-09-05➕THORBURN, John Steel appointeddirector
- 2023-09-05✏️certificate-change-of-name-companychange-of-name · CERTNM
- 2023-09-05📄change-to-a-person-with-significant-controlpersons-with-significant-control · PSC04
- 2023-09-05📄notification-of-a-person-with-significant-controlpersons-with-significant-control · PSC01
- 2022-01-28🏢Company incorporatedAs J & S COMMERCIAL PROPERTIES LIMITED
- 2022-01-28➕THORBURN, William Stuart appointeddirector
- 2022-01-28📄incorporation-companyincorporation · NEWINC
Owner dependency
81/100
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 66 — succession pressure is live.
- +Family involvement: Multiple officers share a surname — likely family business, which concentrates governance.
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 66. Approaching typical UK retirement age — succession thinking likely.
- secondaryTwo-director governance: Small-team governance. Succession depth is thin but not absent.
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
2 active beneficial owners| Name | Shares | Voting rights | Nature of control | Notified |
|---|---|---|---|---|
Mr John Steel Thorburn Individual · British · DOB 12/1960 · age 66 | 25–50% | 25–50% | 25-50% shares · 25-50% voting | 25/08/2023 |
Mr William Stuart Thorburn Individual · British · DOB 07/1965 · age 61 | 25–50% | 25–50% | 25-50% shares · 25-50% voting | 28/01/2022 |
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 · TD postcode area| Company | Est. value | Turnover | Net worth | Staff | Age | Opp | Director |
|---|---|---|---|---|---|---|---|
| LORNATRAD LIMITED→ 14418706 · est 2022 · no financials extracted | — | — | — | — | 3y | — | — |
| MADEN PROPERTY DEVELOPMENTS LTD→ 06894600 · est 2009 · no financials extracted | — | — | — | — | 16y | — | — |
| MAM RURAL LIMITED→ 11841439 · est 2019 · no financials extracted | — | — | — | — | 7y | — | — |
| MARSHALL LEISURE LIMITED→ 00653223 · est 1960 · no financials extracted | — | — | — | — | 66y | — | — |
| MCCALL CAPITAL ASSETS LTD→ 05549811 · est 2005 · no financials extracted | — | — | — | — | 20y | — | — |
| MIDDLETON HALL COTTAGES MANAGEMENT COMPANY LTD→ 09741831 · est 2015 · no financials extracted | — | — | — | — | 10y | — | — |
| MINDRUM PROPERTIES LIMITED→ 00543645 · est 1955 · no financials extracted | — | — | — | — | 71y | — | — |
| MOSGROVE HOLDINGS LIMITED→ 14237411 · est 2022 · no financials extracted | — | — | — | — | 3y | — | — |
| NESSIE PROPERTY LIMITED→ 15215128 · est 2023 · no financials extracted | — | — | — | — | 2y | — | — |
| NEW BOWEN PROPERTIES LTD→ 08560500 · est 2013 · no financials extracted | — | — | — | — | 12y | — | — |
| NEW WHITEHALL HOUSE LIMITED→ 11313937 · est 2018 · no financials extracted | — | — | — | — | 8y | — | — |
| NEXT TUESDAY INVESTMENTS GROUP LTD→ SC810297 · est 2024 · no financials extracted | — | — | — | — | 1y | — | — |
Peers ranked by estimated value, then turnover, then opportunity score.See all →
🔒Tailored diligence questions
8 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
Incorporated2022-01-28
Jurisdictionscotland
Primary SIC68209 — Other letting and operating of own or leased real estate
Registered office
The Office
Unit 1, Cheeklaw Business Park
Duns
Berwickshire
TD11 3HS
Scotland
Filing status
Accounts
Next due: 2026-10-31
Last made up to: 2025-01-31
Confirmation statement
Next due: 2027-02-10
Last: 2026-01-27
Officers (2 active · 0 resigned)
THORBURN, John Steel→
Activedirector · ~66y · appointed 2023-09-05
View their other companies + combined net worth →
THORBURN, William Stuart→
Activedirector · ~61y · appointed 2022-01-28
View their other companies + combined net worth →
Click a director name to see their full track record across all companies.
Mortgages & charges
1
Total charges
1
Outstanding
1
Active lenders
Status:Lender:1 of 1 shown
| Type | Properties | |||||
|---|---|---|---|---|---|---|
| outstanding | National Grid Property Holdings National Grid Property Holdings Limited | A registered charge | 1 property | 06/01/2026 | — |
Click column headers to sort. Use filters above to narrow by status and lender.
Recent filings (14 total)
change-registered-office-address-company-with-date-old-address-new-address
address · AD01
2026-02-12
confirmation-statement-with-updates
confirmation-statement · CS01
2026-02-12
mortgage-create-with-deed-with-charge-number-charge-creation-date
mortgage · MR01
2026-01-07
accounts-with-accounts-type-micro-entity
accounts · AA
2025-05-08
confirmation-statement-with-no-updates
confirmation-statement · CS01
2025-02-10
accounts-with-accounts-type-micro-entity
accounts · AA
2024-10-14
confirmation-statement-with-updates
confirmation-statement · CS01
2024-02-07
accounts-with-accounts-type-dormant
accounts · AA
2023-10-24
appoint-person-director-company-with-name-date
officers · AP01
2023-09-28
certificate-change-of-name-company
change-of-name · CERTNM
2023-09-05
change-to-a-person-with-significant-control
persons-with-significant-control · PSC04
2023-09-05
notification-of-a-person-with-significant-control
persons-with-significant-control · PSC01
2023-09-05
confirmation-statement-with-updates
confirmation-statement · CS01
2023-02-05
incorporation-company
incorporation · NEWINC
2022-01-28