BANKSIDE DECOR LTD
Opportunity 78/100 (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: Broaden director team. Sole director creates succession risk and reduces buyer comfort. Appoint a second director or strong #2. Most likely exit: share sale to pe / searcher (73/100).
Refinance opportunity
1 live charge · oldest 3.7y
Refinance would be pressure-driven, not opportunity-driven. Expect tighter margins and covenant scrutiny.
- · Charge age ~3.7 years — mid-life; refi window approaching.
- · Single lender — cleanest path to refinance.
- · Distress signals active — lender appetite narrows.
Data confidence
Overall: high (82/100)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 | 2024-10-31 | 2023-10-31 |
|---|---|---|
| Total assets | £-1.42M | £-1.07M |
| Current assets | £334.8k | £310.0k |
| Cash | £58.9k | £53.9k |
| Debtors | £148.4k | £118.4k |
| Net assets | £-1.45M | £-1.11M |
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
- • 1 confirmation-statement
Corporate timeline (15 events)Click to expand
- 2025-07-29📄accounts-with-accounts-type-total-exemption-fullaccounts · AA
- 2024-07-19📄accounts-with-accounts-type-total-exemption-fullaccounts · AA
- 2023-07-27📄accounts-with-accounts-type-total-exemption-fullaccounts · AA
- 2022-11-01📄mortgage-create-with-deed-with-charge-number-charge-creation-datemortgage · MR01
- 2022-10-27🔒Charge registered #1Lender: Cynergy Business Finance Limited
- 2022-06-17📄accounts-with-accounts-type-total-exemption-fullaccounts · AA
- 2022-04-13📄second-filing-of-confirmation-statement-with-made-up-dateconfirmation-statement · RP04CS01
- 2022-04-11📄cessation-of-a-person-with-significant-controlpersons-with-significant-control · PSC07
- 2022-04-11📄notification-of-a-person-with-significant-controlpersons-with-significant-control · PSC02
- 2021-08-24📄accounts-with-accounts-type-dormantaccounts · AA
- 2021-08-20📄change-account-reference-date-company-previous-shortenedaccounts · AA01
- 2020-10-23✏️certificate-change-of-name-companychange-of-name · CERTNM
- 2020-03-31🏢Company incorporatedAs BANKSIDE DECOR LTD
- 2020-03-31➕PANKIW, Stephen appointeddirector
- 2020-03-31📄incorporation-companyincorporation · NEWINC
Owner dependency
The business appears inseparable from the founder. Acquisition without a serious earn-out or meaningful transition period would likely destroy value.
- +Sole director: Only one active director — all governance concentrated on one person.
- +Senior director age: Director aged approximately 63 — approaching natural succession window.
- +No director turnover: Company is 6 years old with no director changes — suggests a very tight-knit founder team never broadened.
Succession & seller-readiness
Multiple signals suggest succession is on the horizon. Candidate for proactive outreach.
- primaryFounder aged 63+: Senior director is approximately 63. Approaching typical UK retirement age — succession thinking likely.
- primarySole active director: Only one director in control. No visible successor — buyers solve the succession problem.
Red flags
cleanGroup structure
Insignia Assets Limited is the ultimate parent — holding 75%+ shares. This company sits inside their group.
Parent relationships inferred from Persons with Significant Control filings. Full subsidiary tree requires reverse-lookup (coming).
Shareholders & ownership
1 active beneficial owner · dominant holder ≥75%| Name | Shares | Voting rights | Nature of control | Notified |
|---|---|---|---|---|
Insignia Assets Limited Corporate entity | 75–100% | — | 75-100% shares | 21/10/2020 |
1 historic (ceased) PSC
- Mr Stephen Pankiwceased 21/10/2020· 75-100% shares
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.
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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 (1 active · 0 resigned)
Click a director name to see their full track record across all companies.
Mortgages & charges
| Type | Properties | |||||
|---|---|---|---|---|---|---|
| outstanding | Cynergy Business Finance Cynergy Business Finance Limited | A registered charge | 6 properties | 27/10/2022 | — |