BUILDING DESIGN AND CONSTRUCTION (LYMM) LIMITED
- · Oldest live charge 36.3y old — refinance window within 12 months
Opportunity 79/100 (strong), bankability 75/100. Strong seller-intent signal (93/100, director aged 78). Share purchase looks the cleaner deal structure. Biggest value-creation lever: Discharge stale live charges. 1 live charge(s) created 15+ years ago — likely paid but undischarged. Clean register. Most likely exit: share sale to pe / searcher (65/100).
Refinance opportunity
3 live charges · 2 lenders · oldest 36.3y
Refinance viable after a tidy-up — address the highlighted items first.
- · Oldest live charge is 36.3 years old — likely at or near maturity.
- · Two lenders — manageable, but coordination required.
- · Legal-friction score 25/100 — workable, but lender will want more DD.
Data confidence
Overall: high (83/100)Strong data coverage across all sections. AI outputs should be trusted with minimal caveats.
Solid opportunity signal. Worth a dedicated memo and management meeting.
Signals from accounts
Derived from iXBRL accounts · accounting standard not declaredKey financials
2 years extracted from filed iXBRL accountsHover to see exact values · click legend to toggle series
Financials
Extracted from Companies House accounts · accounting standard unknown| Metric | 2024-10-30 | 2023-10-30 |
|---|---|---|
| Total assets | £-3.7k | £-3.7k |
| Net assets | £-101.0k | £-101.0k |
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
Corporate timeline (24 events)Click to expand
- 2025-07-24📄accounts-with-accounts-type-total-exemption-fullaccounts · AA
- 2024-07-01📄accounts-with-accounts-type-total-exemption-fullaccounts · AA
- 2023-07-18📄accounts-with-accounts-type-total-exemption-fullaccounts · AA
- 2022-07-20📄accounts-with-accounts-type-total-exemption-fullaccounts · AA
- 2021-07-23📄accounts-with-accounts-type-total-exemption-fullaccounts · AA
- 2020-09-29📄accounts-with-accounts-type-total-exemption-fullaccounts · AA
- 2019-06-14📄accounts-with-accounts-type-total-exemption-fullaccounts · AA
- 2018-05-09📄accounts-with-accounts-type-total-exemption-fullaccounts · AA
- 2017-05-08📄accounts-with-accounts-type-total-exemption-smallaccounts · AA
- 2016-06-15📄accounts-with-accounts-type-total-exemption-smallaccounts · AA
- 2015-09-15📄annual-return-company-with-made-up-date-full-list-shareholdersannual-return · AR01
- 2015-06-18📄accounts-with-accounts-type-total-exemption-smallaccounts · AA
- 2014-09-24📄annual-return-company-with-made-up-date-full-list-shareholdersannual-return · AR01
- 2014-06-25📄change-person-director-company-with-change-dateofficers · CH01
- 2014-06-03📄accounts-with-accounts-type-total-exemption-smallaccounts · AA
- 2013-01-12🔓Charge satisfied #2
- 2013-01-12🔓Charge satisfied #1
- 2010-07-09🔒Charge registered #3Lender: Santander UK PLC
- 2008-04-22🔒Charge registered #2Lender: Barclays Bank PLC
- 2003-11-30➖SOUTHERN, Christopher John resigneddirector
- 2003-10-31➕NAYLOR, Christopher James appointeddirector
- 2001-07-01➕SOUTHERN, Christopher John appointeddirector
- 1990-04-04🔒Charge registered #1Lender: Barclays Bank PLC
- 1988-03-17🏢Company incorporatedAs BUILDING DESIGN AND CONSTRUCTION (LYMM) LIMITED
Owner dependency
The business appears inseparable from the founder. Acquisition without a serious earn-out or meaningful transition period would likely destroy value.
- +Two-director setup: Only two active directors — typical of owner-managed SMEs but limits succession.
- +Long-tenure founder: Senior director has been in place 23 years — deep operational knowledge concentrated in one person.
- +Founder age: Director aged approximately 78 — succession pressure is live.
- +Family involvement: Multiple officers share a surname — likely family business, which concentrates governance.
Succession & seller-readiness
Strong acquirability signals converging. Worth approaching directly — this is how off-market deals start.
- primaryFounder aged 70+: Senior director is approximately 78 years old. Natural succession window is now.
- secondaryTwo-director governance: Small-team governance. Succession depth is thin but not absent.
- primary20+ year tenure: Director in role 23 years. Very long tenure is a classic succession signal.
- secondaryStable-but-static management: Company is 38 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.
Group structure
Boutique Hotel Group Limited holds 25-50% — a significant corporate investor but not a controlling parent.
Parent relationships inferred from Persons with Significant Control filings. Full subsidiary tree requires reverse-lookup (coming).
Shareholders & ownership
2 active beneficial owners| Name | Shares | Voting rights | Nature of control | Notified |
|---|---|---|---|---|
Mrs Georgina Ann Naylor Individual · British · DOB 02/1951 · age 75 | 25–50% | 25–50% | board control25-50% shares · 25-50% voting · board control | 06/04/2016 |
Boutique Hotel Group Limited Corporate entity | 25–50% | 25–50% | board control25-50% shares · 25-50% voting · board control | 06/04/2016 |
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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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 (3 active · 1 resigned)
Click a director name to see their full track record across all companies.
Mortgages & charges
| Type | Properties | |||||
|---|---|---|---|---|---|---|
| outstanding | Santander Santander UK PLC | Debenture | 1 property | 09/07/2010 | — | |
| satisfied | Barclays Barclays Bank PLC | Deed of accession and charge | 1 property | 22/04/2008 | 12/01/2013 | |
| satisfied | Barclays Barclays Bank PLC | Debenture | 1 property | 04/04/1990 | 12/01/2013 |