JAYLOW SUPPLIES LIMITED
Opportunity 78/100 (strong), bankability 57/100. Same-surname younger director in place — likely family handover, not open to sale. Share purchase looks the cleaner deal structure. Biggest value-creation lever: Consolidate lender relationships. 4 distinct lenders creates friction — refinance into single-lender structure for cleaner diligence. Most likely exit: share sale to pe / searcher (65/100).
Refinance opportunity
10 live charges · 4 lenders · oldest 30.4y
Refinance path is blocked by complexity. Rethink structure or expect bespoke, expensive terms.
- · Oldest live charge is 30.4 years old — likely at or near maturity.
- · 4 lenders named — inter-creditor friction likely.
- · Legal-friction score 40/100 — workable, but lender will want more DD.
Data confidence
Overall: medium (74/100)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.
Signals from accounts
Derived from iXBRL accounts · FRS 102Key financials
1 year extracted from filed iXBRL accountsFinancials
Extracted from Companies House accounts · FRS 102| Metric | 2024-12-31 |
|---|---|
| Total assets | £37.73M |
| Current assets | £73.10M |
| Cash | £390.6k |
| Debtors | £51.85M |
| Net assets | £37.73M |
Amounts extracted automatically from iXBRL. Fields left blank were not reported or not mapped. Values in GBP unless stated.
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
- • 1 confirmation-statement
- • 1 persons-with-significant-control
- • 1 confirmation-statement
- • 1 persons-with-significant-control
Corporate timeline (41 events)Click to expand
- 2026-05-20📄cessation-of-a-person-with-significant-controlpersons-with-significant-control · PSC07
- 2025-11-03📄mortgage-create-with-deed-with-charge-number-charge-creation-datemortgage · MR01
- 2025-10-31🔒Charge registered #10Lender: Barclays Bank PLC
- 2025-10-17📄accounts-with-accounts-type-fullaccounts · AA
- 2025-09-26📄change-account-reference-date-company-previous-shortenedaccounts · AA01
- 2025-02-21📄mortgage-create-with-deed-with-charge-number-charge-creation-datemortgage · MR01
- 2025-02-20🔒Charge registered #9Lender: Barclays Bank PLC as Security Trustee for the Secured Parties
- 2024-09-26📄accounts-with-accounts-type-fullaccounts · AA
- 2024-04-09📄change-to-a-person-with-significant-controlpersons-with-significant-control · PSC04
- 2024-04-09📄termination-director-company-with-name-termination-dateofficers · TM01
- 2024-03-23➖LOBENSTEIN, Bella resigneddirector
- 2023-12-12📄accounts-with-accounts-type-fullaccounts · AA
- 2023-09-26📄change-account-reference-date-company-previous-shortenedaccounts · AA01
- 2023-02-23➕LOBENSTEIN, Benjamin appointeddirector
- 2023-02-23📄appoint-person-director-company-with-name-dateofficers · AP01
- 2022-09-23📄accounts-with-accounts-type-fullaccounts · AA
- 2021-12-21📄accounts-with-accounts-type-fullaccounts · AA
- 2021-09-24📄change-account-reference-date-company-previous-shortenedaccounts · AA01
- 2020-12-27📄accounts-with-accounts-type-fullaccounts · AA
- 2019-10-04📄accounts-with-accounts-type-fullaccounts · AA
- 2015-10-02➕LOBENSTEIN, Karen Helena appointeddirector
- 2015-06-28➖LOBENSTEIN, Josef Heinz resigneddirector
- 2012-07-13🔒Charge registered #8Lender: Barclays Bank PLC
- 2012-01-27🔒Charge registered #7Lender: Barclays Bank PLC
- 2011-11-17🔓Charge satisfied #6
- 2011-11-17🔓Charge satisfied #5
- 2011-11-17🔓Charge satisfied #4
- 2011-11-17🔓Charge satisfied #3
- 2011-11-17🔓Charge satisfied #2
- 2011-11-17🔓Charge satisfied #1
- 2009-01-13➕LOBENSTEIN, Kh appointedsecretary
- 2009-01-13➕LOBENSTEIN, Kh appointeddirector
- 2009-01-13➖LOBENSTEIN, Kh resigneddirector
- 2009-01-12➖LOBENSTEIN, Bella resignedsecretary
- 2007-07-09🔒Charge registered #6Lender: Bank Leumi (UK) PLC
- 2005-08-05🔒Charge registered #5Lender: The Governor and Company of the Bank of Scotland
- 2004-07-30🔒Charge registered #4Lender: The Governor and Company of the Bank of Scotland
- 2004-07-30🔒Charge registered #3Lender: The Governor and Company of the Bank of Scotland
- 1998-02-17🔒Charge registered #2Lender: Barclays Bank PLC
- 1996-03-12🔒Charge registered #1Lender: Barclays Bank PLC
- 1949-01-25🏢Company incorporatedAs JAYLOW SUPPLIES LIMITED
Owner dependency
Material founder dependency. Consider a 2-3 year earn-out and build in a handover plan before completion.
- +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
Limited succession signal. Not a near-term off-market candidate.
- primaryFamily succession underway: Not a takeover target — LOBENSTEIN, Benjamin (same surname) appointed 2023-02-23. Pattern consistent with intra-family handover.
- primaryFounder aged 63+: Senior director is approximately 66. Approaching typical UK retirement age — succession thinking likely.
- secondaryStable-but-static management: Company is 78 years old and no new directors in the last 3 years — succession not yet being planned internally.
- supportingClean filings + long tenure: Disciplined long-tenure operator — classic lifestyle-business pattern that often sells quietly.
Red flags
1 med ·Multiple instances where a charge was satisfied and a new charge created within 6 months. Suggests active refinancing cycle.
Shareholders & ownership
1 active beneficial owner| Name | Shares | Voting rights | Nature of control | Notified |
|---|---|---|---|---|
Mr Morris Lobenstein Individual · British · DOB 06/1960 · age 66 | 25–50% | — | 25-50% shares | 06/04/2016 |
1 historic (ceased) PSC
- Mrs Bella Lobenstein Deceasedceased 03/11/2025· 25-50% shares
From Companies House Persons with Significant Control filings. Share ranges are banded per the public PSC regime.
Radial SVG graph showing every company connected via shared directors, colour-coded by status.
Available from the Pro tier upwards.
See pricing →Similar companies
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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 →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 (4 active · 4 resigned)
Click a director name to see their full track record across all companies.
Mortgages & charges
| Type | Properties | |||||
|---|---|---|---|---|---|---|
| outstanding | Barclays Barclays Bank PLC | A registered charge | — | 31/10/2025 | — | |
| outstanding | Barclays Barclays Bank PLC as Security Trustee for the Secured Parties | A registered charge | 1 property | 20/02/2025 | — | |
| outstanding | Barclays Barclays Bank PLC | Fixed & floating charge | 1 property | 13/07/2012 | — | |
| outstanding | Barclays Barclays Bank PLC | Debenture | 1 property | 27/01/2012 | — | |
| satisfied | Bank Leumi (UK) Bank Leumi (UK) PLC | Debenture | 1 property | 09/07/2007 | 17/11/2011 | |
| satisfied | Lloyds Banking Group The Governor and Company of the Bank of Scotland | Legal charge | 1 property | 05/08/2005 | 17/11/2011 | |
| satisfied | Lloyds Banking Group The Governor and Company of the Bank of Scotland | Debenture | 1 property | 30/07/2004 | 17/11/2011 | |
| satisfied | Lloyds Banking Group The Governor and Company of the Bank of Scotland | Legal charge | 1 property | 30/07/2004 | 17/11/2011 | |
| satisfied | Barclays Barclays Bank PLC | Debenture | 1 property | 17/02/1998 | 17/11/2011 | |
| satisfied | Barclays Barclays Bank PLC | Legal charge | 1 property | 12/03/1996 | 17/11/2011 |