Banks Lyon Jewellers Limited

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banks lyon jewellers limited Company Information

Company Number

04430605

Next Accounts

Feb 2026

Directors

Rodney Banks-Lyon

Jasmin Banks-Lyon

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Shareholders

rodney banks lyon

jasmin banks lyon

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Group Structure

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Industry

Other retail sale not in stores, stalls or markets

Registered Address

36-40 church street, lancaster, lancashire, LA1 1LH

Website

www.bankslyon.co.uk

banks lyon jewellers limited Estimated Valuation

£10.4m

Pomanda estimates the enterprise value of BANKS LYON JEWELLERS LIMITED at £10.4m based on Net Assets of £3.5m and 2.93x industry multiple (adjusted for liquidity).

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Banks Lyon Jewellers Limited is a live company located in lancashire, LA1 1LH with a Companies House number of 04430605. It operates in the other retail sale not in stores, stalls or markets sector, SIC Code 47990. Founded in May 2002, it's largest shareholder is rodney banks lyon with a 48.8% stake. Banks Lyon Jewellers Limited is a mature, small sized company, Pomanda has estimated its turnover at £3.9m with healthy growth in recent years.

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Pomanda's financial health check has awarded Banks Lyon Jewellers Limited a 5 rating. We use a traffic light system to show it exceeds the industry average on 5 measures and has 3 areas for improvement. Company Health Check FAQs

Health Rating5out of 5

5 Strong

4 Regular

3 Weak

Size

annual sales of £3.9m, make it larger than the average company (£1.2m)

Growth

3 year (CAGR) sales growth of 7%, show it is growing at a slower rate (12.4%)

EXPORT

Banks Lyon Jewellers Limited's latest turnover from May 2024 is estimated at £3.9 million and the company has net assets of £3.5 million. According to their latest financial statements, Banks Lyon Jewellers Limited has 14 employees and maintains cash reserves of £283.6 thousand as reported in the balance sheet.

Data source: Companies House, Pomanda Estimates

	May 2024	May 2023	May 2022	May 2021	May 2020	May 2019	May 2018	May 2017	May 2016	May 2015	May 2014	May 2013	May 2012	May 2011	May 2010
Turnover	3,933,701	3,670,570	3,890,291	3,221,008	2,727,539	3,165,498	3,421,015	3,288,301	3,144,645	3,484,033	3,762,747	3,596,270	3,714,522	3,261,796	3,543,732
Other Income Or Grants	0	0	0	0	0	0	0	0	0	0	0	0	0	0	0
Cost Of Sales	2,723,877	2,478,055	2,652,678	2,189,057	1,828,584	2,094,865	2,277,751	2,148,850	2,015,171	2,303,999	2,497,599	2,392,996	2,450,964	2,139,497	2,330,909
Gross Profit	1,209,824	1,192,516	1,237,613	1,031,951	898,956	1,070,633	1,143,265	1,139,452	1,129,474	1,180,034	1,265,149	1,203,274	1,263,557	1,122,299	1,212,823
Admin Expenses	1,250,939	1,068,547	1,127,606	707,761	886,797	935,741	889,425	761,941	1,095,299	899,570	918,550	1,021,561	1,006,012	922,147	-1,054,056
Operating Profit	-41,115	123,969	110,007	324,190	12,159	134,892	253,840	377,511	34,175	280,464	346,599	181,713	257,545	200,152	2,266,879
Interest Payable	18,744	20,930	18,608	23,235	27,055	31,518	33,823	27,315	17,515	10,901	9,607	5,619	0	0	0
Interest Receivable	19,452	19,140	5,998	734	577	4,207	2,918	1,577	3,661	3,212	1,937	1,578	2,022	2,163	1,143
Pre-Tax Profit	-40,406	122,179	97,396	301,689	-14,319	107,581	222,936	351,774	20,320	272,775	338,928	177,671	259,567	202,315	2,268,022
Tax	0	-30,545	-18,505	-57,321	0	-20,440	-42,358	-66,837	-4,064	-54,555	-71,175	-40,864	-62,296	-52,602	-635,046
Profit After Tax	-40,406	91,634	78,891	244,368	-14,319	87,141	180,578	284,937	16,256	218,220	267,753	136,807	197,271	149,713	1,632,976
Dividends Paid	0	0	0	0	0	0	0	0	0	0	0	0	0	0	0
Retained Profit	-40,406	91,634	78,891	244,368	-14,319	87,141	180,578	284,937	16,256	218,220	267,753	136,807	197,271	149,713	1,632,976
Employee Costs	520,333	486,886	562,648	489,722	443,879	555,564	543,920	469,960	446,721	461,971	505,356	569,847	510,017	497,940	580,750
Number Of Employees	14	14	17	15	15	17	17	15	14	14	16	18	17	17	20
EBITDA*	21,794	185,692	196,403	408,928	96,180	218,564	337,575	443,062	98,990	326,278	399,717	243,813	322,324	264,408	2,328,900

* Earnings Before Interest, Tax, Depreciation and Amortisation

	May 2024	May 2023	May 2022	May 2021	May 2020	May 2019	May 2018	May 2017	May 2016	May 2015	May 2014	May 2013	May 2012	May 2011	May 2010
Tangible Assets	628,857	663,267	704,306	763,352	799,927	858,948	899,910	944,333	769,873	686,942	680,156	708,730	733,455	768,017	752,225
Intangible Assets	0	0	0	25,000	50,000	75,000	100,000	125,000	150,000	175,000	200,000	225,000	250,000	275,000	300,000
Investments & Other	0	0	0	0	0	0	0	0	0	0	0	0	0	0	0
Debtors (Due After 1 year)	0	0	0	0	0	0	0	0	0	0	0	0	0	0	0
Total Fixed Assets	628,857	663,267	704,306	788,352	849,927	933,948	999,910	1,069,333	919,873	861,942	880,156	933,730	983,455	1,043,017	1,052,225
Stock & work in progress	3,240,730	3,286,244	3,291,223	2,661,506	2,531,593	2,677,021	2,659,982	2,401,156	1,943,674	1,831,045	1,833,222	1,811,617	1,656,486	1,461,247	1,402,582
Trade Debtors	17,652	14,949	21,054	35,694	55,022	36,399	41,652	41,277	73,859	99,737	140,540	111,792	92,940	59,589	60,915
Group Debtors	0	0	0	0	0	0	0	5,512	0	0	0	0	0	0	0
Misc Debtors	95,474	117,538	128,164	182,029	46,108	175,488	52,056	115,434	0	0	0	0	0	0	0
Cash	283,565	457,482	393,171	806,410	661,758	492,998	628,937	538,375	723,498	740,700	544,231	230,375	400,850	408,021	457,177
misc current assets	0	0	0	0	0	0	0	0	0	0	0	0	0	0	0
total current assets	3,637,421	3,876,213	3,833,612	3,685,639	3,294,481	3,381,906	3,382,627	3,101,754	2,741,031	2,671,482	2,517,993	2,153,784	2,150,276	1,928,857	1,920,674
total assets	4,266,278	4,539,480	4,537,918	4,473,991	4,144,408	4,315,854	4,382,537	4,171,087	3,660,904	3,533,424	3,398,149	3,087,514	3,133,731	2,971,874	2,972,899
Bank overdraft	0	0	0	0	44,930	51,881	51,679	51,005	0	0	0	0	0	0	0
Bank loan	32,427	31,750	34,115	47,895	0	0	0	0	0	0	0	0	0	0	0
Trade Creditors	280,927	411,333	344,701	275,685	86,438	369,581	468,686	414,446	457,945	599,726	688,481	594,607	726,676	712,961	828,692
Group/Directors Accounts	0	0	0	0	0	0	0	0	0	0	0	0	0	0	0
other short term finances	0	0	0	0	0	0	0	0	0	0	0	0	0	0	0
hp & lease commitments	0	0	0	0	0	0	0	0	0	0	0	0	0	0	0
other current liabilities	269,259	332,165	449,516	436,932	406,914	283,914	274,378	237,649	0	0	0	0	0	0	0
total current liabilities	582,613	775,248	828,332	760,512	538,282	705,376	794,743	703,100	457,945	599,726	688,481	594,607	726,676	712,961	828,692
loans	118,049	150,995	181,811	267,850	401,128	389,107	441,189	496,832	326,233	212,705	122,707	172,903	0	0	0
hp & lease commitments	0	0	0	0	0	0	0	0	0	0	0	0	0	0	0
Accruals and Deferred Income	0	0	0	0	0	0	0	0	0	0	0	0	0	0	0
other liabilities	0	0	0	0	0	0	0	0	222,500	102,000	191,000	188,000	407,148	452,892	496,043
provisions	33,753	40,968	47,140	43,885	47,622	49,676	62,051	67,179	35,187	16,210	11,398	15,194	19,904	23,289	15,145
total long term liabilities	151,802	191,963	228,951	311,735	448,750	438,783	503,240	564,011	583,920	330,915	325,105	376,097	427,052	476,181	511,188
total liabilities	734,415	967,211	1,057,283	1,072,247	987,032	1,144,159	1,297,983	1,267,111	1,041,865	930,641	1,013,586	970,704	1,153,728	1,189,142	1,339,880
net assets	3,531,863	3,572,269	3,480,635	3,401,744	3,157,376	3,171,695	3,084,554	2,903,976	2,619,039	2,602,783	2,384,563	2,116,810	1,980,003	1,782,732	1,633,019
total shareholders funds	3,531,863	3,572,269	3,480,635	3,401,744	3,157,376	3,171,695	3,084,554	2,903,976	2,619,039	2,602,783	2,384,563	2,116,810	1,980,003	1,782,732	1,633,019

	May 2024	May 2023	May 2022	May 2021	May 2020	May 2019	May 2018	May 2017	May 2016	May 2015	May 2014	May 2013	May 2012	May 2011	May 2010
Operating Activities
Operating Profit	-41,115	123,969	110,007	324,190	12,159	134,892	253,840	377,511	34,175	280,464	346,599	181,713	257,545	200,152	2,266,879
Depreciation	62,909	61,723	61,396	59,738	59,021	58,672	58,735	40,551	39,815	20,814	28,118	37,100	39,779	39,256	37,021
Amortisation	0	0	25,000	25,000	25,000	25,000	25,000	25,000	25,000	25,000	25,000	25,000	25,000	25,000	25,000
Tax	0	-30,545	-18,505	-57,321	0	-20,440	-42,358	-66,837	-4,064	-54,555	-71,175	-40,864	-62,296	-52,602	-635,046
Stock	-45,514	-4,979	629,717	129,913	-145,428	17,039	258,826	457,482	112,629	-2,177	21,605	155,131	195,239	58,665	1,402,582
Debtors	-19,361	-16,731	-68,505	116,593	-110,757	118,179	-68,515	88,364	-25,878	-40,803	28,748	18,852	33,351	-1,326	60,915
Creditors	-130,406	66,632	69,016	189,247	-283,143	-99,105	54,240	-43,499	-141,781	-88,755	93,874	-132,069	13,715	-115,731	828,692
Accruals and Deferred Income	-62,906	-117,351	12,584	30,018	123,000	9,536	36,729	237,649	0	0	0	0	0	0	0
Deferred Taxes & Provisions	-7,215	-6,172	3,255	-3,737	-2,054	-12,375	-5,128	31,992	18,977	4,812	-3,796	-4,710	-3,385	8,144	15,145
Cash flow from operations	-113,858	119,966	-298,459	320,629	190,168	-39,038	190,747	56,521	-114,629	230,760	368,267	-107,813	41,768	46,880	1,074,194
Investing Activities
capital expenditure	-28,499	-20,684	-2,350	-23,163	0	-17,710	-14,312	-215,011	-122,746	-27,600	456	-12,375	-5,217	-55,048	-1,114,246
Change in Investments	0	0	0	0	0	0	0	0	0	0	0	0	0	0	0
cash flow from investments	-28,499	-20,684	-2,350	-23,163	0	-17,710	-14,312	-215,011	-122,746	-27,600	456	-12,375	-5,217	-55,048	-1,114,246
Financing Activities
Bank loans	677	-2,365	-13,780	47,895	0	0	0	0	0	0	0	0	0	0	0
Group/Directors Accounts	0	0	0	0	0	0	0	0	0	0	0	0	0	0	0
Other Short Term Loans	0	0	0	0	0	0	0	0	0	0	0	0	0	0	0
Long term loans	-32,946	-30,816	-86,039	-133,278	12,021	-52,082	-55,643	170,599	113,528	89,998	-50,196	172,903	0	0	0
Hire Purchase and Lease Commitments	0	0	0	0	0	0	0	0	0	0	0	0	0	0	0
other long term liabilities	0	0	0	0	0	0	0	-222,500	120,500	-89,000	3,000	-219,148	-45,744	-43,151	496,043
share issue	0	0	0	0	0	0	0	0	0	0	0	0	0	0	43
interest	708	-1,790	-12,610	-22,501	-26,478	-27,311	-30,905	-25,738	-13,854	-7,689	-7,670	-4,041	2,022	2,163	1,143
cash flow from financing	-31,561	-34,971	-112,429	-107,884	-14,457	-79,393	-86,548	-77,639	220,174	-6,691	-54,866	-50,286	-43,722	-40,988	497,229
cash and cash equivalents
cash	-173,917	64,311	-413,239	144,652	168,760	-135,939	90,562	-185,123	-17,202	196,469	313,856	-170,475	-7,171	-49,156	457,177
overdraft	0	0	0	-44,930	-6,951	202	674	51,005	0	0	0	0	0	0	0
change in cash	-173,917	64,311	-413,239	189,582	175,711	-136,141	89,888	-236,128	-17,202	196,469	313,856	-170,475	-7,171	-49,156	457,177

Very Low Risk70 - 100

Low Risk50 - 70

Moderate Risk30 - 50

High Risk20 - 30

Very High Risk0 - 20

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Perform a competitor analysis for banks lyon jewellers limited by selecting its closest rivals, whether from the WHOLESALE AND RETAIL TRADE; REPAIR OF MOTOR VEHICLES AND MOTORCYCLES sector, other small companies, companies in LA1 area or any other competitors across 12 key performance metrics.

BANKS LYON JEWELLERS LIMITED group structure

Banks Lyon Jewellers Limited has no subsidiary companies.

Ultimate parent company

BANKS LYON JEWELLERS LIMITED

04430605

BANKS LYON JEWELLERS LIMITED Shareholders

rodney banks lyon	48.84%
jasmin banks lyon	44.19%
maxine pascal banks lyon	4.65%
alexa emily banks lyon	2.33%

Banks Lyon Jewellers Limited currently has 4 directors. The longest serving directors include Mr Rodney Banks-Lyon (May 2002) and Ms Jasmin Banks-Lyon (May 2002).

officer	country	age	start	end	role
Mr Rodney Banks-Lyon	United Kingdom	68 years	May 2002	-	Director
Ms Jasmin Banks-Lyon	United Kingdom	66 years	May 2002	-	Director
Mrs Maxine Banks-Lyon	United Kingdom	36 years	Nov 2016	-	Director
Mr John Francis	United Kingdom	39 years	Oct 2024	-	Director

P&L

May 2024

turnover

3.9m

+7%

operating profit

-41.1k

gross margin

30.8%

-5.33%

turnover

Turnover, or revenue, is the amount of sales generated by a company within the financial year.

Balance Sheet

May 2024

net assets

3.5m

-0.01%

total assets

4.3m

-0.06%

cash

283.6k

-0.38%

net assets

Total assets minus all liabilities

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company number

04430605

Type

Private limited with Share Capital

industry

47990 - Other retail sale not in stores, stalls or markets

incorporation date

May 2002

ultimate parent company

None

previous names

N/A

address

36-40 church street, lancaster, lancashire, LA1 1LH

A charge, or mortgage, refers to the rights a company gives to a lender in return for a loan, often in the form of security given over business assets.

We found 3 charges/mortgages relating to banks lyon jewellers limited. Currently there are 2 open charges and 1 have been satisfied in the past.

When a company issues new shares, e.g. to new investors following a funding round, it is required to notify Companies House within one month of making an allotment of shares.

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banks lyon jewellers limited Company Information

banks lyon jewellers limited Estimated Valuation

banks lyon jewellers limited Estimated Valuation

banks lyon jewellers limited Estimated Valuation

Banks Lyon Jewellers Limited Overview

Banks Lyon Jewellers Limited Health Check

BANKS LYON JEWELLERS LIMITED financials

banks lyon jewellers limited Credit Report and Business Information

Banks Lyon Jewellers Limited Competitor Analysis

banks lyon jewellers limited Ownership

banks lyon jewellers limited directors

banks lyon jewellers limited company details

banks lyon jewellers limited Charges & Mortgages

banks lyon jewellers limited Capital Raised & Share Issues BETA

banks lyon jewellers limited Companies House Filings - See Documents