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Sjaj Properties Ltd

09827297

active
ltd
england wales
Companies House
Health Score
70 / 100

Some Concerns

30/30
Filing
10/30
Financial
30/40
Risk
  • Current liabilities exceed current assets (-10)
  • 16 outstanding charges (-10)

Details

90 Putnoe Lane, Bedford, MK41 9AG
Incorporated 16/10/2015

Compliance

Last accounts

30/09/2025

total exemption full

Next accounts due

30/06/2027

On track

Confirmation statement

Last: 15/10/2025

Due 29/10/2026

On track

Industry

68209
Other letting and operating of own or leased real estate

Officers

Aneet Kaur Judge

director · Since 16/10/2015

British · England · Age 37

Sumit Singh Judge

director · Since 16/10/2015

British · United Kingdom · Age 40

Persons with Significant Control

Mrs Aneet Kaur Judge

25–50% shares
25–50% votes

British · England · Age 37

90, Putnoe Lane, Bedford, MK41 9AG

Notified 16/10/2017

Mr Sumit Singh Judge

25–50% shares
25–50% votes

British · United Kingdom · Age 40

90, Putnoe Lane, Bedford, MK41 9AG

Notified 16/10/2017

Charges16 outstanding

A registered charge
outstanding

BATH AND WEST FINANCE 5 LIMITED

Created 14/08/2026Registered 01/09/2026
A registered charge
outstanding

KENSINGTON MORTGAGE COMPANY LIMITED

Created 21/08/2026Registered 21/08/2026
Charge
outstanding

PARAGON BANK PLC

Created 04/09/2025Registered 04/09/2025
Charge
outstanding

THE MORTGAGE LENDER LIMITED

Created 21/06/2022Registered 07/07/2022
Charge
outstanding

CHARTER COURT FINANCIAL SERVICES LIMITED

Created 17/06/2022Registered 23/06/2022
Charge
outstanding

CHARTER COURT FINANCIAL SERVICES LIMITED

Created 17/06/2022Registered 23/06/2022
Charge
outstanding

KEYSTONE PROPERTY FINANCE LIMITED

Created 27/08/2020Registered 03/09/2020
Charge
outstanding

SHAWBROOK BANK LIMITED

Created 04/10/2019Registered 14/10/2019
Charge
outstanding

SHAWBROOK BANK LIMITED

Created 04/10/2019Registered 07/10/2019
Charge
outstanding

PARAGON BANK PLC

Created 20/06/2019Registered 24/06/2019
Charge
outstanding

PARAGON BANK PLC

Created 20/06/2019Registered 24/06/2019
Charge
outstanding

AXIS BANK UK LTD

Created 29/06/2018Registered 05/07/2018
Charge
outstanding

AXIS BANK UK LIMITED

Created 09/05/2018Registered 22/05/2018
Charge
outstanding

AXIS BANK UK LIMITED

Created 12/12/2017Registered 20/12/2017
Charge
outstanding

AXIS BANK UK LIMITED

Created 26/10/2017Registered 15/11/2017
Charge
outstanding

AXIS BANK UK LIMITED

Created 17/10/2017Registered 18/10/2017

Change History

status → active
2026-06-11

Active

type → ltd
2026-06-11

Private Limited Company

address line1 → 90 Putnoe Lane
2026-06-11

90 PUTNOE LANE

post town → Bedford
2026-06-11

BEDFORD

CompanyRankvs 65291+ SIC 68209 peers
55

Financial strength82th percentile among SIC peers · 21/25
Employees77th percentile among SIC peers · 12/15
LiquidityCurrent ratio 0.78× · 6/20
Longevity11 years trading (max 15) · 11/15
Filing complianceAll filings up to date · 15/15
Outstanding charges -10
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65291Sjaj Properties Ltd
60
How is this score calculated?
Financial strength21/25 pts

Net worth compared to all companies in the same SIC code with published accounts. Top quartile earns the full 25 points.

Employees12/15 pts

Workforce size relative to sector peers from the most recent accounts. A larger team generally signals commercial scale.

Liquidity6/20 pts

Current assets ÷ current liabilities. A ratio above 2× earns full marks; between 1–2× scores partially; below 0.5× scores minimal points.

Longevity11/15 pts

One point per year of operation since incorporation, capped at 15. Older companies have a proven track record.

Filing compliance15/15 pts

Full 15 points when both annual accounts and confirmation statement are filed on time. Points are deducted for each overdue filing.

Risk deductions

Outstanding charges: -10 pts

Maximum score is 100. Deductions apply for insolvency history, outstanding charges, going concern doubt, or disqualified officers.

Key FinancialsYear ending 30/09/2025

Net Worth

£171k

Balance sheet strength

Cash

£2k

Cash in the bank

Net Current Assets

-£103k

Working capital

Current Assets

£361k

Current Liabilities

£464k

Fixed Assets

£1.2M

Debtors

£359k

2avg. employees

Balance Sheet

Assets less current liabilities£1.1M
Prepared with IRIS Accounts Production

EstimatesDerived

YearCurrent RatioImplied Profit
20250.78+£4k
20240.71-£61k
20230.85—

Derived from filed accounts. Not audited figures.