BANKS LYON JEWELLERS LIMITED
🌳Matureactive
04430605 · ltd · incorporated 2002-05-03
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.
Opportunity decay
approaching window · 12-months
Approaching a transaction window — refinance or sale event plausible in the next 12 months.
- · Oldest live charge 24.0y old — refinance window within 12 months
🔒Estimated value
—
Upgrade to see
Turnover
—
year to May 2025
Net worth
—
book net assets
Opportunity
82/100
Exceptional
What this business does
Primary activity: Other retail sale not in stores, stalls or markets
Sector: Wholesale & retail
Investor take
PursueActive trading company with a 70-year-old founder — textbook succession opportunity.
Opportunity 82/100 (exceptional), bankability 75/100. Strong seller-intent signal (63/100, director aged 70). Share purchase looks the cleaner deal structure. Biggest value-creation lever: Discharge stale live charges. 2 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 24.0y
50/100
clean up first
Refinance viable after a tidy-up — address the highlighted items first.
- · Oldest live charge is 24.0 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: medium (78/100)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
2 years of iXBRL accounts extracted (YoY deltas available) + narrative notes parsed
75
Lenders & charges
3 charges (3/3 with lender, 3/3 with type)
90
Directors & officers
6 officers (4 active, 6 linked, 5 with DOB)
87
Ownership & PSC
2 active PSC(s) of 2 total, 2 with control declared
90
Director network
Network not yet resolved
30
Filing history
87 filings on record
85
Gazette notices
No matching gazette notices (standard for active companies)
60
Opportunity Score
82/100Exceptional
PassWatchWorth a lookStrongExceptional
Strong composite across quality, acquirability, and risk. High-priority target — progress to serious diligence.
Business quality
70
Active, clean filings, stable charge profile.
Acquirability
80
Strong succession / seller-readiness signals.
Risk profile
85
Few red flags.
Signal strength
100
Good data coverage for analysis.
Key financials
2 years extracted from filed iXBRL accountsCash
—
Net Worth
—
Current Assets
—
Current Liabilities
—
Hover to see exact values · click legend to toggle series
Financials
Extracted from Companies House accounts · FRS 102| Metric | 2025-05-31 | 2024-05-31 |
|---|---|---|
| Average employees | 14 | 1400 |
Amounts extracted automatically from iXBRL. Fields left blank were not reported or not mapped. Values in GBP unless stated.
🔒Filing-note intelligence
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
Last 30 days
0
filings
Last 90 days
2
filings
- • 1 confirmation-statement
- • 1 officers
Last 180 days
2
filings
- • 1 confirmation-statement
- • 1 officers
Counts from Companies House filing history.
Corporate timeline (33 events)Click to expand
- 2026-05-10📄change-person-director-company-with-change-dateofficers · CH01
- 2026-01-14📄accounts-with-accounts-type-total-exemption-fullaccounts · AA
- 2025-04-23📄termination-director-company-with-name-termination-dateofficers · TM01
- 2025-01-26➖BANKS-LYON, Jasmin resigneddirector
- 2025-01-02📄accounts-with-accounts-type-total-exemption-fullaccounts · AA
- 2024-11-29📄capital-allotment-sharescapital · SH01
- 2024-11-13📄memorandum-articlesincorporation · MA
- 2024-11-13📄resolutionresolution · RESOLUTIONS
- 2024-10-28📄appoint-person-director-company-with-name-dateofficers · AP01
- 2024-10-25➕FRANCIS, John Philip appointeddirector
- 2024-05-23📄change-person-director-company-with-change-dateofficers · CH01
- 2024-01-10📄accounts-with-accounts-type-total-exemption-fullaccounts · AA
- 2023-06-08📄change-person-director-company-with-change-dateofficers · CH01
- 2023-05-10📄change-person-director-company-with-change-dateofficers · CH01
- 2023-02-28📄accounts-with-accounts-type-total-exemption-fullaccounts · AA
- 2022-11-24📄change-person-director-company-with-change-dateofficers · CH01
- 2022-11-08📄capital-variation-of-rights-attached-to-sharescapital · SH10
- 2022-11-08📄memorandum-articlesincorporation · MA
- 2022-11-08📄capital-name-of-class-of-sharescapital · SH08
- 2022-11-08📄resolutionresolution · RESOLUTIONS
- 2022-03-16📄change-to-a-person-with-significant-controlpersons-with-significant-control · PSC04
- 2022-03-15📄notification-of-a-person-with-significant-controlpersons-with-significant-control · PSC01
- 2022-02-11➖PECKO, Alexander Edward Antoni resigneddirector
- 2016-11-23➕FRANCIS, Maxine Pascal appointeddirector
- 2016-11-23➕PECKO, Alexander Edward Antoni appointeddirector
- 2012-05-05🔓Charge satisfied #2
- 2009-05-26🔒Charge registered #3Lender: National Westminster Bank PLC
- 2008-09-16🔒Charge registered #2Lender: Royal Bank of Scotland PLC
- 2002-07-11🔒Charge registered #1Lender: National Westminster Bank PLC
- 2002-05-03🏢Company incorporatedAs BANKS LYON JEWELLERS LIMITED
- 2002-05-03➕BANKS-LYON, Rodney appointedsecretary
- 2002-05-03➕BANKS-LYON, Rodney appointeddirector
- 2002-05-03➕BANKS-LYON, Jasmin appointeddirector
Owner dependency
83/100
Critical — business is the founderThe business appears inseparable from the founder. Acquisition without a serious earn-out or meaningful transition period would likely destroy value.
FACTORS
- +Long-tenure founder: Senior director has been in place 24 years — deep operational knowledge concentrated in one person.
- +Founder age: Director aged approximately 70 — succession pressure is live.
- +Family involvement: Multiple officers share a surname — likely family business, which concentrates governance.
Succession & seller-readiness
80/100
Likely off-market candidateStrong acquirability signals converging. Worth approaching directly — this is how off-market deals start.
SIGNALS
- primaryFounder aged 70+: Senior director is approximately 70 years old. Natural succession window is now.
- primary20+ year tenure: Director in role 24 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
cleanNo red flags detected from available public data. (This is not a clean bill of health — detailed accounts review still recommended.)
Shareholders & ownership
2 active beneficial owners| Name | Shares | Voting rights | Nature of control | Notified |
|---|---|---|---|---|
Mr Rodney Banks-Lyon Individual · British · DOB 03/1956 · age 70 | 25–50% | — | 25-50% shares | 03/05/2017 |
Jasmin Banks Lyon Individual · British · DOB 04/1958 · age 68 | 25–50% | 25–50% | 25-50% shares · 25-50% voting | 06/04/2016 |
From Companies House Persons with Significant Control filings. Share ranges are banded per the public PSC regime.
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Peers ranked by estimated value, then turnover, then opportunity score.See all →
🔒Tailored diligence questions
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 →🔒Advanced scoring suite
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
Statusactive
Typeltd
Incorporated2002-05-03
Jurisdictionengland-wales
Primary SIC47990 — Other retail sale not in stores, stalls or markets
Registered office
36-40 Church Street
Lancaster
Lancashire
LA1 1LH
United Kingdom
Filing status
Accounts
Next due: 2027-02-28
Last made up to: 2025-05-31
Confirmation statement
Next due: 2027-05-17
Last: 2026-05-03
Officers (4 active · 2 resigned)
BANKS-LYON, Rodney→
Activesecretary · appointed 2002-05-03
View their other companies + combined net worth →
BANKS-LYON, Rodney→
Activedirector · ~70y · appointed 2002-05-03
View their other companies + combined net worth →
FRANCIS, John Philip→
Activedirector · ~41y · appointed 2024-10-25
View their other companies + combined net worth →
FRANCIS, Maxine Pascal→
Activedirector · ~38y · appointed 2016-11-23
View their other companies + combined net worth →
BANKS-LYON, Jasmin→
Resigneddirector · ~68y · appointed 2002-05-03 · resigned 2025-01-26
PECKO, Alexander Edward Antoni→
Resigneddirector · ~39y · appointed 2016-11-23 · resigned 2022-02-11
Click a director name to see their full track record across all companies.
Mortgages & charges
3
Total charges
2
Outstanding
1
Active lenders
Status:Lender:3 of 3 shown
| Type | Properties | |||||
|---|---|---|---|---|---|---|
| outstanding | National Westminster Bank National Westminster Bank PLC | Legal charge | 1 property | 26/05/2009 | — | |
| satisfied | Lloyds Banking Group Royal Bank of Scotland PLC | Legal charge | 1 property | 16/09/2008 | 05/05/2012 | |
| outstanding | National Westminster Bank National Westminster Bank PLC | Debenture | 1 property | 11/07/2002 | — |
Click column headers to sort. Use filters above to narrow by status and lender.
Recent filings (87 total)
confirmation-statement-with-no-updates
confirmation-statement · CS01
2026-05-22
change-person-director-company-with-change-date
officers · CH01
2026-05-10
accounts-with-accounts-type-total-exemption-full
accounts · AA
2026-01-14
confirmation-statement-with-updates
confirmation-statement · CS01
2025-05-06
termination-director-company-with-name-termination-date
officers · TM01
2025-04-23
accounts-with-accounts-type-total-exemption-full
accounts · AA
2025-01-02
capital-allotment-shares
capital · SH01
2024-11-29
memorandum-articles
incorporation · MA
2024-11-13
resolution
resolution · RESOLUTIONS
2024-11-13
appoint-person-director-company-with-name-date
officers · AP01
2024-10-28
change-person-director-company-with-change-date
officers · CH01
2024-05-23
confirmation-statement-with-no-updates
confirmation-statement · CS01
2024-05-10
accounts-with-accounts-type-total-exemption-full
accounts · AA
2024-01-10
change-person-director-company-with-change-date
officers · CH01
2023-06-08
confirmation-statement-with-no-updates
confirmation-statement · CS01
2023-06-05