38 BANK STREET LIMITED
Opportunity 79/100 (strong), bankability 85/100. Strong seller-intent signal (73/100, director aged 67). Share purchase looks the cleaner deal structure. Biggest value-creation lever: Cash flow review and working-capital discipline. Cash down -88% YoY — forensic review of receivables, stock turns, and creditor days. Most likely exit: share sale to pe / searcher (65/100).
Refinance opportunity
3 live charges · 2 lenders · oldest 25.3y
Refinance would be pressure-driven, not opportunity-driven. Expect tighter margins and covenant scrutiny.
- · Oldest live charge is 25.3 years old — likely at or near maturity.
- · Two lenders — manageable, but coordination required.
- · Cashflow trend is negative — lender view likely cautious.
Data confidence
Overall: high (82/100)Strong data coverage across all sections. AI outputs should be trusted with minimal caveats.
Sector-multiple EBITDA, turnover, and NAV-proxy valuation range with confidence tier — derived from extracted iXBRL financials.
Available from the Pro tier upwards.
See pricing →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 | 2025-01-31 | 2024-01-31 |
|---|---|---|
| Total assets | £567.2k | £801.8k |
| Current assets | £5.7k | £22.8k |
| Cash | £2.4k | £20.8k |
| Debtors | £3.3k | £2.1k |
| Net assets | £567.2k | £801.8k |
Amounts extracted automatically from iXBRL. Fields left blank were not reported or not mapped. Values in GBP unless stated.
2 signals 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 confirmation-statement
Corporate timeline (37 events)Click to expand
- 2025-08-14📄accounts-with-accounts-type-total-exemption-fullaccounts · AA
- 2025-08-14📄appoint-person-secretary-company-with-name-dateofficers · AP03
- 2025-05-23📄termination-director-company-with-name-termination-dateofficers · TM01
- 2025-05-23📄termination-secretary-company-with-name-termination-dateofficers · TM02
- 2025-04-01➕MORGAN, Simon Bruce appointedsecretary
- 2025-04-01➖FOX, Patrick Michael resignedsecretary
- 2025-04-01➖FOX, Patrick Michael resigneddirector
- 2024-09-20📄mortgage-satisfy-charge-fullmortgage · MR04
- 2024-09-20🔓Charge satisfied #3
- 2024-07-24📄accounts-with-accounts-type-total-exemption-fullaccounts · AA
- 2023-03-29📄accounts-with-accounts-type-total-exemption-fullaccounts · AA
- 2022-06-28📄accounts-with-accounts-type-total-exemption-fullaccounts · AA
- 2021-06-07📄accounts-with-accounts-type-total-exemption-fullaccounts · AA
- 2021-04-21📄change-person-secretary-company-with-change-dateofficers · CH03
- 2021-04-21📄change-person-director-company-with-change-dateofficers · CH01
- 2021-04-21📄change-person-director-company-with-change-dateofficers · CH01
- 2021-04-21📄change-person-director-company-with-change-dateofficers · CH01
- 2021-04-21📄change-person-director-company-with-change-dateofficers · CH01
- 2020-06-25📄accounts-with-accounts-type-total-exemption-fullaccounts · AA
- 2020-04-29📍change-registered-office-address-company-with-date-old-address-new-addressaddress · AD01
- 2019-08-12📄accounts-with-accounts-type-total-exemption-fullaccounts · AA
- 2019-03-29➕FOX, Vanessa Jane appointeddirector
- 2019-03-29➕MORGAN, Emma Louise Theresa Filamena appointeddirector
- 2019-03-29📄appoint-person-director-company-with-name-dateofficers · AP01
- 2012-08-07🔓Charge satisfied #2
- 2012-08-07🔓Charge satisfied #1
- 2012-07-13🔒Charge registered #3Lender: Svenska Handelsbanken Ab (Publ)
- 2001-01-31🔒Charge registered #2Lender: Bristol & West PLC
- 2001-01-31🔒Charge registered #1Lender: Bristol & West PLC
- 2001-01-18🏢Company incorporatedAs 38 BANK STREET LIMITED
- 2001-01-18➕MORGAN, Simon Bruce appointeddirector
- 2001-01-18➕FOX, Patrick Michael appointedsecretary
- 2001-01-18➕BRISTOL LEGAL SERVICES LIMITED appointedcorporate-nominee-secretary
- 2001-01-18➖BRISTOL LEGAL SERVICES LIMITED resignedcorporate-nominee-secretary
- 2001-01-18➕FOX, Patrick Michael appointeddirector
- 2001-01-18➕BOURSE NOMINEES LIMITED appointedcorporate-nominee-director
- 2001-01-18➖BOURSE NOMINEES LIMITED resignedcorporate-nominee-director
Owner dependency
The business appears inseparable from the founder. Acquisition without a serious earn-out or meaningful transition period would likely destroy value.
- +Long-tenure founder: Senior director has been in place 25 years — deep operational knowledge concentrated in one person.
- +Founder age: Director aged approximately 67 — succession pressure is live.
- +Family involvement: Multiple officers share a surname — likely family business, which concentrates governance.
Succession & seller-readiness
Multiple signals suggest succession is on the horizon. Candidate for proactive outreach.
- primaryFounder aged 63+: Senior director is approximately 67. Approaching typical UK retirement age — succession thinking likely.
- primary20+ year tenure: Director in role 25 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
1 med ·Multiple instances where a charge was satisfied and a new charge created within 6 months. Suggests active refinancing cycle.
Group structure
Cypress Investments Ltd 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
1 active beneficial owner| Name | Shares | Voting rights | Nature of control | Notified |
|---|---|---|---|---|
Cypress Investments Ltd Corporate entity | 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.
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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|---|---|---|---|---|---|---|---|
| 28 OAKFIELD GROVE RESIDENTS ASSOCIATION LIMITED→ 01364074 · est 1978 · no financials extracted | — | — | — | — | 47y | — | — |
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| 39 SUSSEX AVENUE LIMITED→ 15442102 · est 2024 · no financials extracted | — | — | — | — | 2y | — | — |
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| 4 CAMBRIDGE PARK REDLAND MANAGEMENT LIMITED→ 01545807 · est 1981 · no financials extracted | — | — | — | — | 45y | — | — |
| 4 SOUTHGATE FREEHOLD LTD.→ 07691233 · est 2011 · no financials extracted | — | — | — | — | 14y | — | — |
| 40 JACOBS WELLS ROAD MANAGEMENT COMPANY LTD→ 13501385 · est 2021 · no financials extracted | — | — | — | — | 4y | — | — |
| 40 MORSE ROAD REDFIELD BRISTOL MANAGEMENT COMPANY LIMITED→ 05300827 · est 2004 · no financials extracted | — | — | — | — | 21y | — | — |
| 40 STATION ROAD LTD→ 09062872 · est 2014 · no financials extracted | — | — | — | — | 11y | — | — |
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 (4 active · 4 resigned)
Click a director name to see their full track record across all companies.
Mortgages & charges
| Type | Properties | |||||
|---|---|---|---|---|---|---|
| satisfied | Svenska Handelsbanken Ab (Publ) | Legal mortgage | 1 property | 13/07/2012 | 20/09/2024 | |
| satisfied | Bristol & West Bristol & West PLC | Deed of rental assignment | 1 property | 31/01/2001 | 07/08/2012 | |
| satisfied | Bristol & West Bristol & West PLC | Mortgage | 1 property | 31/01/2001 | 07/08/2012 |