A E BANKS AND SON LIMITED
🌳Matureactive
04634081 · ltd · incorporated 2003-01-13
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 11.7y old — refinance window within 12 months
🔒Estimated value
—
Upgrade to see
Turnover
—
year to Jan 2025
Net worth
—
book net assets
Opportunity
76/100
Strong
What this business does
Primary activity: SIC 01410
Sector: Agriculture, forestry & fishing
Investor take
Pass (distressed without resilience)Distressed active trading company — structural issues outweigh the discount.
Opportunity 76/100 (strong), bankability 80/100. High owner-dependency — earn-out structure likely required for clean transition. Share purchase looks the cleaner deal structure. Biggest value-creation lever: Resolve: 1 insolvency-related filing on record. Filings relating to insolvency, liquidation, or administration exist in the company's history. Review before proceeding. Most likely exit: share sale to pe / searcher (65/100).
🏦
Refinance opportunity
1 live charge · oldest 11.7y
85/100
ready
Refinance conversation should be productive — structure clean and timing right.
- · Oldest live charge is 11.7 years old — likely at or near maturity.
- · Single lender — cleanest path to refinance.
- · Legal-friction score 15/100 — clean.
Data confidence
Overall: medium (77/100)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
1 charges (1/1 with lender, 1/1 with type)
90
Directors & officers
7 officers (4 active, 7 linked, 4 with DOB)
81
Ownership & PSC
4 active PSC(s) of 4 total, 4 with control declared
90
Director network
Network not yet resolved
30
Filing history
74 filings on record
85
Gazette notices
No matching gazette notices (standard for active companies)
60
Opportunity Score
76/100Strong
PassWatchWorth a lookStrongExceptional
Solid opportunity signal. Worth a dedicated memo and management meeting.
Business quality
70
Active, clean filings, stable charge profile.
Acquirability
80
Strong succession / seller-readiness signals.
Risk profile
67
Some moderate concerns — review 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 · accounting standard unknown| Metric | 2025-01-31 | 2024-01-31 |
|---|---|---|
| Average employees | 1900 | 1600 |
Amounts extracted automatically from iXBRL. Fields left blank were not reported or not mapped. Values in GBP unless stated.
🔒Filing-note intelligence
3 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 incorporation
- • 1 resolution
Last 180 days
2
filings
- • 1 incorporation
- • 1 resolution
Counts from Companies House filing history.
Corporate timeline (31 events)Click to expand
- 2026-03-20📄memorandum-articlesincorporation · MA
- 2026-03-20📄resolutionresolution · RESOLUTIONS
- 2025-10-20📄accounts-with-accounts-type-total-exemption-fullaccounts · AA
- 2024-12-06📄capital-statement-capital-company-with-date-currency-figurecapital · SH19
- 2024-12-06📄legacycapital · SH20
- 2024-12-06⚠️legacyinsolvency · CAP-SS
- 2024-12-06📄resolutionresolution · RESOLUTIONS
- 2024-10-30📄accounts-with-accounts-type-total-exemption-fullaccounts · AA
- 2023-11-07📄capital-alter-shares-redemption-statement-of-capitalcapital · SH02
- 2023-10-31📄accounts-with-accounts-type-total-exemption-fullaccounts · AA
- 2023-03-15📍move-registers-to-sail-company-with-new-addressaddress · AD03
- 2023-03-15📍change-sail-address-company-with-new-addressaddress · AD02
- 2023-03-13📄notification-of-a-person-with-significant-controlpersons-with-significant-control · PSC01
- 2023-03-13📄notification-of-a-person-with-significant-controlpersons-with-significant-control · PSC01
- 2023-03-13📄change-to-a-person-with-significant-controlpersons-with-significant-control · PSC04
- 2023-03-13📄change-to-a-person-with-significant-controlpersons-with-significant-control · PSC04
- 2023-03-13📄capital-allotment-sharescapital · SH01
- 2022-10-28📄accounts-with-accounts-type-total-exemption-fullaccounts · AA
- 2021-10-21📄appoint-person-director-company-with-name-dateofficers · AP01
- 2021-09-12➕BANKS, Sally Annabel appointeddirector
- 2014-09-04🔒Charge registered #1Lender: Lloyds Bank PLC
- 2009-05-09➖BANKS, John William Clifford resigneddirector
- 2003-01-13🏢Company incorporatedAs A E BANKS AND SON LIMITED
- 2003-01-13➕BANKS, John Patrick appointedsecretary
- 2003-01-13➕BANKS, Anthony Roger appointeddirector
- 2003-01-13➕BANKS, John Patrick appointeddirector
- 2003-01-13➕YORK PLACE COMPANY SECRETARIES LIMITED appointedcorporate-nominee-secretary
- 2003-01-13➖YORK PLACE COMPANY SECRETARIES LIMITED resignedcorporate-nominee-secretary
- 2003-01-13➕BANKS, John William Clifford appointeddirector
- 2003-01-13➕YORK PLACE COMPANY NOMINEES LIMITED appointedcorporate-nominee-director
- 2003-01-13➖YORK PLACE COMPANY NOMINEES LIMITED resignedcorporate-nominee-director
Owner dependency
91/100
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
- +Founder name in company name: Company name contains director surname "BANKS" — strong identity link between founder and business.
- +Long-tenure founder: Senior director has been in place 23 years — deep operational knowledge concentrated in one person.
- +Senior director age: Director aged approximately 60 — approaching natural succession window.
- +Family involvement: Multiple officers share a surname — likely family business, which concentrates governance.
Succession & seller-readiness
70/100
Strong succession signalMultiple signals suggest succession is on the horizon. Candidate for proactive outreach.
SIGNALS
- secondaryFounder aged 58+: Senior director is approximately 60. Early succession window.
- primary20+ year tenure: Director in role 23 years. Very long tenure is a classic succession signal.
- secondaryStable-but-static management: Company is 23 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 high ·1 insolvency-related filing on record
highFilings relating to insolvency, liquidation, or administration exist in the company's history. Review before proceeding.
Evidence: 2024-12-06: legacy
Shareholders & ownership
4 active beneficial owners · fragmented| Name | Shares | Voting rights | Nature of control | Notified |
|---|---|---|---|---|
Mrs Sally Annabel Banks Individual · British · DOB 01/1967 · age 59 | 25–50% | — | 25-50% shares | 10/01/2023 |
Mrs Angela Banks Individual · British · DOB 11/1972 · age 54 | 25–50% | — | 25-50% shares | 10/01/2023 |
Mr Anthony Roger Banks Individual · British · DOB 01/1968 · age 58 | — | 25–50% | 25-50% voting | 06/04/2016 |
Mr John Patrick Banks Individual · British · DOB 01/1966 · age 60 | — | 25–50% | 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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|---|---|---|---|---|---|---|---|
| 1ST CALL RECOVERY LIMITED→ 06496135 · est 2008 · no financials extracted | — | — | — | — | 18y | — | — |
| 4P AGRICULTURE LIMITED→ 07514681 · est 2011 · no financials extracted | — | — | — | — | 15y | — | — |
| 7 ACRES (YORK) LTD→ 14991538 · est 2023 · no financials extracted | — | — | — | — | 2y | — | — |
| A & C THORNTON LIMITED→ 15887496 · est 2024 · no financials extracted | — | — | — | — | 1y | — | — |
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| A & L BOYNTON LIMITED→ 09695739 · est 2015 · no financials extracted | — | — | — | — | 10y | — | — |
| A C WILSON RACING LTD→ 15761748 · est 2024 · no financials extracted | — | — | — | — | 1y | — | — |
| A CUT ABOVE CNC LTD→ 16694351 · est 2025 · no financials extracted | — | — | — | — | — | — | — |
| A D LIGHTFOOT LIMITED→ 04792252 · est 2003 · no financials extracted | — | — | — | — | 22y | — | — |
| A DAWSON AND COMPANY (ESTATES) LIMITED→ 00383119 · est 1943 · no financials extracted | — | — | — | — | 82y | — | — |
| A. & G. LAYTON & SONS LIMITED→ 01164989 · est 1974 · no financials extracted | — | — | — | — | 52y | — | — |
| A.E. SMITH (KILHAM) LIMITED→ 04908953 · est 2003 · no financials extracted | — | — | — | — | 22y | — | — |
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
Incorporated2003-01-13
Jurisdictionengland-wales
Primary SIC01410 — SIC 01410
Registered office
Wildon Grange
Kilburn Road, Coxwold
York
North Yorkshire
YO61 4AF
Filing status
Accounts
Next due: 2026-10-31
Last made up to: 2025-01-31
Confirmation statement
Next due: 2026-11-05
Last: 2025-10-22
Officers (4 active · 3 resigned)
BANKS, John Patrick→
Activesecretary · appointed 2003-01-13
View their other companies + combined net worth →
BANKS, Anthony Roger→
Activedirector · ~58y · appointed 2003-01-13
View their other companies + combined net worth →
BANKS, John Patrick→
Activedirector · ~60y · appointed 2003-01-13
View their other companies + combined net worth →
BANKS, Sally Annabel→
Activedirector · ~59y · appointed 2021-09-12
View their other companies + combined net worth →
YORK PLACE COMPANY SECRETARIES LIMITED→
Resignedcorporate-nominee-secretary · appointed 2003-01-13 · resigned 2003-01-13
BANKS, John William Clifford→
Resigneddirector · ~99y · appointed 2003-01-13 · resigned 2009-05-09
YORK PLACE COMPANY NOMINEES LIMITED→
Resignedcorporate-nominee-director · appointed 2003-01-13 · resigned 2003-01-13
Click a director name to see their full track record across all companies.
Mortgages & charges
1
Total charges
1
Outstanding
1
Active lenders
Status:Lender:1 of 1 shown
| Type | Properties | |||||
|---|---|---|---|---|---|---|
| outstanding | Lloyds Banking Group Lloyds Bank PLC | A registered charge | — | 04/09/2014 | — |
Click column headers to sort. Use filters above to narrow by status and lender.
Recent filings (74 total)
memorandum-articles
incorporation · MA
2026-03-20
resolution
resolution · RESOLUTIONS
2026-03-20
confirmation-statement-with-no-updates
confirmation-statement · CS01
2025-10-31
accounts-with-accounts-type-total-exemption-full
accounts · AA
2025-10-20
confirmation-statement-with-updates
confirmation-statement · CS01
2025-01-24
capital-statement-capital-company-with-date-currency-figure
capital · SH19
2024-12-06
legacy
capital · SH20
2024-12-06
legacy
insolvency · CAP-SS
2024-12-06
resolution
resolution · RESOLUTIONS
2024-12-06
accounts-with-accounts-type-total-exemption-full
accounts · AA
2024-10-30
confirmation-statement-with-updates
confirmation-statement · CS01
2024-01-17
confirmation-statement-with-updates
confirmation-statement · CS01
2024-01-15
capital-alter-shares-redemption-statement-of-capital
capital · SH02
2023-11-07
accounts-with-accounts-type-total-exemption-full
accounts · AA
2023-10-31
move-registers-to-sail-company-with-new-address
address · AD03
2023-03-15