B & J DISTRIBUTION LIMITED

🌳Matureactive

03416181 · ltd · incorporated 1997-08-07

Investment thesis

Established operating company — standard diligence applies, no dominant angle.

Why interesting: Live, filing, normal profile.

Why risky: No standout signals in either direction.

🔒Estimated value

—

Upgrade to see

Turnover

—

not disclosed

Net worth

—

book net assets

Opportunity

83/100

Exceptional

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What this business does

Primary activity: Non-specialised wholesale trade

Sector: Wholesale & retail

Investor take

Pursue

Active trading company. Family succession underway — not a classic acquisition target.

Opportunity 83/100 (exceptional), bankability 67/100. 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. 3 distinct lenders creates friction — refinance into single-lender structure for cleaner diligence. Most likely exit: share sale to pe / searcher (65/100).

🏦

Refinance opportunity

4 live charges · 3 lenders · oldest 26.0y

35/100

too messy

Refinance path is blocked by complexity. Rethink structure or expect bespoke, expensive terms.

· Oldest live charge is 26.0 years old — likely at or near maturity.
· 3 lenders named — inter-creditor friction likely.
· Legal-friction score 25/100 — workable, but lender will want more DD.

Data confidence

Overall: medium (55/100)

Adequate coverage. AI outputs are reliable for the sections scored high; verify the rest in diligence.

Company profile

address, 1 SIC codes, incorporation date

100

Financials

No iXBRL financials extracted

Lenders & charges

4 charges (4/4 with lender, 4/4 with type)

Directors & officers

9 officers (6 active, 9 linked, 6 with DOB)

Ownership & PSC

4 active PSC(s) of 4 total, 4 with control declared

Director network

Network not yet resolved

Filing history

85 filings on record

Gazette notices

No matching gazette notices (standard for active companies)

Opportunity Score

83/100Exceptional

PassWatchWorth a lookStrongExceptional

Strong composite across quality, acquirability, and risk. High-priority target — progress to serious diligence.

Business quality

Active, clean filings, stable charge profile.

Acquirability

Strong succession / seller-readiness signals.

Risk profile

Few red flags.

Signal strength

100

Good data coverage for analysis.

Recent activity

Last 30 days

filings

Last 90 days

filings

Last 180 days

filing

• 1 accounts

Counts from Companies House filing history.

Corporate timeline (35 events)Click to expand

2026-01-26
📄
accounts-with-accounts-type-full
accounts · AA
2025-12-01
📄
termination-director-company-with-name-termination-date
officers · TM01
2025-11-07
➖
LYNCH, William Donegan resigned
director
2025-02-27
📄
accounts-with-accounts-type-full
accounts · AA
2024-01-22
📄
accounts-with-accounts-type-full
accounts · AA
2023-11-14
📄
appoint-person-director-company-with-name-date
officers · AP01
2023-11-14
📄
appoint-person-director-company-with-name-date
officers · AP01
2023-11-10
➕
DANIELS, Gavin James appointed
director
2023-11-10
➕
FITZGERALD, Ian Mark appointed
director
2023-03-29
📄
accounts-with-accounts-type-full
accounts · AA
2022-12-09
➕
LYNCH, Gregory William Mark appointed
director
2022-12-09
📄
appoint-person-director-company-with-name-date
officers · AP01
2022-08-26
📄
capital-name-of-class-of-shares
capital · SH08
2022-08-25
📄
notification-of-a-person-with-significant-control
persons-with-significant-control · PSC02
2022-03-31
📄
mortgage-create-with-deed-with-charge-number-charge-creation-date
mortgage · MR01
2022-03-23
🔒
Charge registered #4
Lender: James Lynch and William Donegan Lynch
2022-01-12
📄
accounts-with-accounts-type-full
accounts · AA
2021-06-04
📄
accounts-with-accounts-type-full
accounts · AA
2020-04-06
📄
accounts-with-accounts-type-full
accounts · AA
2019-03-28
📄
accounts-with-accounts-type-small
accounts · AA
2018-06-29
📄
change-account-reference-date-company-current-extended
accounts · AA01
2017-10-05
📄
accounts-with-accounts-type-small
accounts · AA
2016-11-24
🔓
Charge satisfied #1
2014-04-22
🔒
Charge registered #3
Lender: Hsbc Bank PLC
2014-04-22
🔒
Charge registered #2
Lender: Hsbc Bank PLC
2000-07-25
🔒
Charge registered #1
Lender: Lloyds Tsb Bank PLC
2000-05-26
➕
LYNCH, Christopher Karl appointed
director
2000-05-26
➕
LYNCH, William Donegan appointed
director
1997-08-07
🏢
Company incorporated
As B & J DISTRIBUTION LIMITED
1997-08-07
➕
LYNCH, Christopher Karl appointed
secretary
1997-08-07
➕
LYNCH, James appointed
director
1997-08-07
➕
LONDON LAW SECRETARIAL LIMITED appointed
corporate-nominee-secretary
1997-08-07
➖
LONDON LAW SECRETARIAL LIMITED resigned
corporate-nominee-secretary
1997-08-07
➕
LONDON LAW SERVICES LIMITED appointed
corporate-nominee-director
1997-08-07
➖
LONDON LAW SERVICES LIMITED resigned
corporate-nominee-director

Owner dependency

73/100

High — earn-out structure required

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

FACTORS

-5 active directors: Broader management team in place — suggests transferable governance.
+Long-tenure founder: Senior director has been in place 29 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

40/100

Moderate signal

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

SIGNALS

primaryFamily succession underway: Not a takeover target — LYNCH, Gregory William Mark (same surname) appointed 2022-12-09. Pattern consistent with intra-family handover.
primaryFounder aged 70+: Senior director is approximately 78 years old. Natural succession window is now.
primary20+ year tenure: Director in role 29 years. Very long tenure is a classic succession signal.
supportingClean filings + long tenure: Disciplined long-tenure operator — classic lifestyle-business pattern that often sells quietly.

Red flags

clean

No red flags detected from available public data. (This is not a clean bill of health — detailed accounts review still recommended.)

Group structure

B&J Distribution Holdings Limited is the ultimate parent — holding 75%+ shares. This company sits inside their group.

🏛️

B&J Distribution Holdings Limited

Corporate parent · holds 75-100% shares · board control

ultimate parent

⬇

B & J DISTRIBUTION LIMITED

This company · 03416181

Parent relationships inferred from Persons with Significant Control filings. Full subsidiary tree requires reverse-lookup (coming).

Shareholders & ownership

4 active beneficial owners · dominant holder ≥75% · fragmented

Name	Shares	Voting rights	Nature of control	Notified
B&J Distribution Holdings Limited Corporate entity	75–100%	75–100%	board control75-100% shares · 75-100% voting · board control	23/03/2022
Mr Christopher Karl Lynch Individual · British · DOB 07/1966 · age 60	25–50%	—	25-50% shares	06/04/2016
Mr William Donegan Lynch Individual · British · DOB 05/1947 · age 79	25–50%	—	25-50% shares	06/04/2016
Mr James Lynch Individual · British · DOB 05/1948 · age 78	25–50%	—	25-50% shares	06/04/2016

From Companies House Persons with Significant Control filings. Share ranges are banded per the public PSC regime.

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BAT PRODUCTS LIMITED→ 14997044 · est 2023 · no financials extracted	—	—	—	—	2y	—	—
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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.

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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.

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Company details

Statusactive

Typeltd

Incorporated1997-08-07

Jurisdictionengland-wales

Primary SIC46900 — Non-specialised wholesale trade

Registered office

Unit 3 Tintagel Way

Aldridge

Walsall

West Midlands

WS9 8ER

Filing status

Accounts

Next due: 2027-03-31

Last made up to: 2025-06-30

Confirmation statement

Next due: 2026-08-21

Last: 2025-08-07