CJM LUMINA LTD
Opportunity 74/100 (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: Deleverage or restructure. Leverage at 100% of assets — consider sale of non-core assets or equity injection. Most likely exit: share sale to pe / searcher (58/100).
Refinance opportunity
2 live charges · oldest 5.2y
Refinance would be pressure-driven, not opportunity-driven. Expect tighter margins and covenant scrutiny.
- · Oldest live charge is 5.2 years old — likely at or near maturity.
- · Single lender — cleanest path to refinance.
- · Distress signals active — lender appetite narrows.
Data confidence
Overall: high (80/100)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 | 2025-03-31 | 2024-03-31 |
|---|---|---|
| Total assets | £610.1k | £462.2k |
| Current assets | £586.2k | £419.9k |
| Net assets | £458.6k | £281.7k |
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
Corporate timeline (23 events)Click to expand
- 2025-06-25📄accounts-with-accounts-type-micro-entityaccounts · AA
- 2025-04-22✏️certificate-change-of-name-companychange-of-name · CERTNM
- 2024-06-20📄accounts-with-accounts-type-micro-entityaccounts · AA
- 2023-07-21📄accounts-with-accounts-type-micro-entityaccounts · AA
- 2022-06-05📄accounts-with-accounts-type-micro-entityaccounts · AA
- 2022-01-13📄accounts-with-accounts-type-micro-entityaccounts · AA
- 2021-11-01📄change-person-director-company-with-change-dateofficers · CH01
- 2021-07-27📍change-registered-office-address-company-with-date-old-address-new-addressaddress · AD01
- 2021-02-10📄mortgage-create-with-deed-with-charge-number-charge-creation-datemortgage · MR01
- 2021-02-08📄mortgage-create-with-deed-with-charge-number-charge-creation-datemortgage · MR01
- 2021-02-08🔒Charge registered #2Lender: Tsb Bank PLC
- 2021-02-03🔒Charge registered #1Lender: Tsb Bank PLC
- 2020-04-14📄accounts-with-accounts-type-micro-entityaccounts · AA
- 2019-09-15📄accounts-with-accounts-type-micro-entityaccounts · AA
- 2018-06-28📍change-registered-office-address-company-with-date-old-address-new-addressaddress · AD01
- 2018-04-24📄accounts-with-accounts-type-micro-entityaccounts · AA
- 2017-04-25📄accounts-with-accounts-type-micro-entityaccounts · AA
- 2011-02-22➖MCNALLY, Robert resigneddirector
- 2011-02-11➖MCNALLY, Robert resignedsecretary
- 2008-09-08🏢Company incorporatedAs CJM LUMINA LTD
- 2008-09-08➕MCNALLY, Colin John appointeddirector
- 2008-09-08➕MCNALLY, Robert appointedsecretary
- 2008-09-08➕MCNALLY, Robert appointeddirector
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.
- +Long-tenure founder: Senior director has been in place 18 years — deep operational knowledge concentrated in one person.
Succession & seller-readiness
Multiple signals suggest succession is on the horizon. Candidate for proactive outreach.
- primarySole active director: Only one director in control. No visible successor — buyers solve the succession problem.
- secondary12+ year tenure: Director in role 18 years.
- secondaryStable-but-static management: Company is 18 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 med ·Name changes can be benign (rebrand) but can also precede distress, phoenix activity, or buyer concealment.
Evidence: 2025-04-22: certificate-change-of-name-company
Shareholders & ownership
1 active beneficial owner · dominant holder ≥75%| Name | Shares | Voting rights | Nature of control | Notified |
|---|---|---|---|---|
Mr Colin John Mcnally Individual · Scottish · DOB 03/1973 · age 53 | 75–100% | 75–100% | board controlsig. influence75-100% shares · 75-100% voting · board control · significant influence | 08/09/2016 |
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.
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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.
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 · 2 resigned)
Click a director name to see their full track record across all companies.
Mortgages & charges
| Type | Properties | |||||
|---|---|---|---|---|---|---|
| outstanding | Lloyds Banking Group Tsb Bank PLC | A registered charge | — | 08/02/2021 | — | |
| outstanding | Lloyds Banking Group Tsb Bank PLC | A registered charge | — | 03/02/2021 | — |