LUMITY LIFE HOLDINGS LIMITED
🌳Matureactive
09443244 · ltd · incorporated 2015-02-17
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 7.8y old — refinance window within 12 months
🔒Estimated value
—
Upgrade to see
Turnover
—
year to Dec 2024
Net worth
£6.55M
book net assets
Opportunity
79/100
Strong
What this business does
Primary activity: Retail sale via mail order houses or via Internet
Sector: Wholesale & retail
Investor take
PursueStrong opportunity: asset-holding vehicle with strong profile and bankable structure.
Opportunity 79/100 (strong), bankability 85/100. Share purchase looks the cleaner deal structure. Most likely exit: share sale to pe / searcher (65/100).
🏦
Refinance opportunity
1 live charge · oldest 7.8y
85/100
ready
Refinance conversation should be productive — structure clean and timing right.
- · Oldest live charge is 7.8 years old — likely at or near maturity.
- · Single lender — cleanest path to refinance.
- · Legal-friction score 23/100 — clean.
Data confidence
Overall: high (82/100)Strong data coverage across all sections. AI outputs should be trusted with minimal caveats.
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
9 officers (4 active, 9 linked, 9 with DOB)
90
Ownership & PSC
0 active PSC(s) of 1 total, 1 with control declared
90
Director network
9 connected companies via shared directors
72
Filing history
98 filings on record
85
Gazette notices
No matching gazette notices (standard for active companies)
60
Opportunity Score
79/100Strong
PassWatchWorth a lookStrongExceptional
Solid opportunity signal. Worth a dedicated memo and management meeting.
Business quality
70
Active, clean filings, stable charge profile.
Acquirability
70
Strong succession / seller-readiness signals.
Risk profile
85
Few red flags.
Signal strength
100
Good data coverage for analysis.
Signals from accounts
Derived from iXBRL accounts · FRS 102Positive net assets
Net assets £6,549,830
Cash YoY
+4%
Year on year
Key financials
2 years extracted from filed iXBRL accountsCash
£610k
↑ 4.1% YoY
Net Worth
£6.5m
↑ 1.3% YoY
Current Assets
£6.9m
~ YoY
Current Liabilities
—
Hover to see exact values · click legend to toggle series
Financials
Extracted from Companies House accounts · FRS 102| Metric | 2024-12-31 | 2023-12-31 |
|---|---|---|
| Total assets | £6.63M | £6.55M |
| Current assets | £6.93M | £6.88M |
| Cash | £609.8k | £585.9k |
| Debtors | £5.94M | £5.81M |
| Net assets | £6.55M | £6.47M |
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
1
filing
- • 1 confirmation-statement
Last 180 days
1
filing
- • 1 confirmation-statement
Counts from Companies House filing history.
Corporate timeline (38 events)Click to expand
- 2025-09-10📄accounts-with-accounts-type-total-exemption-fullaccounts · AA
- 2025-02-28📍change-registered-office-address-company-with-date-old-address-new-addressaddress · AD01
- 2024-10-25📄memorandum-articlesincorporation · MA
- 2024-10-25📄resolutionresolution · RESOLUTIONS
- 2024-10-17📄capital-allotment-sharescapital · SH01
- 2024-09-11📄accounts-with-accounts-type-total-exemption-fullaccounts · AA
- 2024-05-07📄termination-director-company-with-name-termination-dateofficers · TM01
- 2024-04-30➖GAMMELL, Janice Theresa resigneddirector
- 2024-02-12➖MCGIBBON, Jason Scott resigneddirector
- 2024-02-12📄termination-director-company-with-name-termination-dateofficers · TM01
- 2023-12-14➖WILSON, Robert Nelson resigneddirector
- 2023-12-14📄termination-director-company-with-name-termination-dateofficers · TM01
- 2023-06-30📄accounts-with-accounts-type-total-exemption-fullaccounts · AA
- 2023-06-06📄capital-allotment-sharescapital · SH01
- 2023-04-25📄memorandum-articlesincorporation · MA
- 2023-04-25📄resolutionresolution · RESOLUTIONS
- 2023-04-17📄capital-allotment-sharescapital · SH01
- 2023-01-04📄memorandum-articlesincorporation · MA
- 2022-12-29📄resolutionresolution · RESOLUTIONS
- 2022-12-23📄capital-cancellation-sharescapital · SH06
- 2022-12-23📄capital-return-purchase-own-sharescapital · SH03
- 2022-10-04📄resolutionresolution · RESOLUTIONS
- 2022-10-04📄memorandum-articlesincorporation · MA
- 2022-05-25📄accounts-with-accounts-type-total-exemption-fullaccounts · AA
- 2021-07-14➕MCGIBBON, Jason Scott appointeddirector
- 2021-01-28➕MOSSAKOWSKI, Marek appointeddirector
- 2021-01-28➖EMANUEL, Richard John Metcalfe resigneddirector
- 2021-01-28➖GAMMELL, William, Sir resigneddirector
- 2019-12-09🔓Charge satisfied #1
- 2019-10-11➕KINNAIRD, Nicola appointeddirector
- 2018-10-02➕PANCHOLI, Julian Vasant appointeddirector
- 2018-10-02➕GAMMELL, Janice Theresa appointeddirector
- 2018-07-05🔒Charge registered #1Lender: Barclays Security Trustee Limited
- 2017-11-16➕WILSON, Robert Nelson appointeddirector
- 2016-06-03➕EMANUEL, Richard John Metcalfe appointeddirector
- 2016-06-03➕GAMMELL, William, Sir appointeddirector
- 2015-02-17🏢Company incorporatedAs LUMITY LIFE HOLDINGS LIMITED
- 2015-02-17➕KYLE, James Andrew appointeddirector
Owner dependency
48/100
Moderate — manageable with handoverSome founder dependency, but not acute. A structured handover period should cover most risk.
FACTORS
- -4 active directors: Broader management team in place — suggests transferable governance.
- +Senior director age: Director aged approximately 62 — approaching natural succession window.
Succession & seller-readiness
45/100
Moderate signalSome succession indicators present. Worth watching; approach if sector/strategy fits.
SIGNALS
- secondaryFounder aged 58+: Senior director is approximately 62. Early succession window.
- 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.)
🔒Co-director network graph
Radial SVG graph showing every company connected via shared directors, colour-coded by status.
Available from the Pro tier upwards.
See pricing →Similar companies
Active · Retail · W postcode area| Company | Est. value | Turnover | Net worth | Staff | Age | Opp | Director |
|---|---|---|---|---|---|---|---|
| 1 CHARTER WALK LTD→ 10523016 · est 2016 · no financials extracted | — | — | — | — | 9y | — | — |
| 10-2-11 LTD→ 16974466 · est 2026 · no financials extracted | — | — | — | — | — | — | — |
| 100 SQUARE LTD→ 11876472 · est 2019 · no financials extracted | — | — | — | — | 7y | — | — |
| 11 CATERING LTD→ 15935858 · est 2024 · no financials extracted | — | — | — | — | 1y | — | — |
| 123BOOKING LTD→ 13953917 · est 2022 · no financials extracted | — | — | — | — | 4y | — | — |
| 12DESIGN UK LTD→ 11494350 · est 2018 · no financials extracted | — | — | — | — | 7y | — | — |
| 1409 DIGITAL LTD→ 14757303 · est 2023 · no financials extracted | — | — | — | — | 3y | — | — |
| 147POT LTD→ 16494712 · est 2025 · no financials extracted | — | — | — | — | — | — | — |
| 166 STORE LTD→ 16645379 · est 2025 · no financials extracted | — | — | — | — | — | — | — |
| 18 NORTH 77 WEST LTD→ 12448328 · est 2020 · no financials extracted | — | — | — | — | 6y | — | — |
| 19 RETAIL LIMITED→ 16160654 · est 2025 · no financials extracted | — | — | — | — | 1y | — | — |
| 1K DEGREES LTD→ 09681542 · est 2015 · no financials extracted | — | — | — | — | 10y | — | — |
Peers ranked by estimated value, then turnover, then opportunity score.See all →
🔒Tailored diligence questions
6 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
Incorporated2015-02-17
Jurisdictionengland-wales
Primary SIC47910 — Retail sale via mail order houses or via Internet
Registered office
12 Old Bond Street
London
W1S 4PW
England
Filing status
Accounts
Next due: 2026-09-30
Last made up to: 2024-12-31
Confirmation statement
Next due: 2027-03-05
Last: 2026-02-19
Officers (4 active · 5 resigned)
KINNAIRD, Nicola→
Activedirector · ~62y · appointed 2019-10-11
View their other companies + combined net worth →
KYLE, James Andrew→
Activedirector · ~53y · appointed 2015-02-17
View their other companies + combined net worth →
MOSSAKOWSKI, Marek→
Activedirector · ~45y · appointed 2021-01-28
View their other companies + combined net worth →
PANCHOLI, Julian Vasant→
Activedirector · ~56y · appointed 2018-10-02
View their other companies + combined net worth →
EMANUEL, Richard John Metcalfe→
Resigneddirector · ~59y · appointed 2016-06-03 · resigned 2021-01-28
GAMMELL, Janice Theresa→
Resigneddirector · ~56y · appointed 2018-10-02 · resigned 2024-04-30
GAMMELL, William, Sir→
Resigneddirector · ~74y · appointed 2016-06-03 · resigned 2021-01-28
MCGIBBON, Jason Scott→
Resigneddirector · ~54y · appointed 2021-07-14 · resigned 2024-02-12
WILSON, Robert Nelson→
Resigneddirector · ~64y · appointed 2017-11-16 · resigned 2023-12-14
Click a director name to see their full track record across all companies.
Mortgages & charges
1
Total charges
0
Outstanding
0
Active lenders
Status:Lender:1 of 1 shown
| Type | Properties | |||||
|---|---|---|---|---|---|---|
| satisfied | Barclays Barclays Security Trustee Limited | A registered charge | — | 05/07/2018 | 09/12/2019 |
Recent filings (98 total)
confirmation-statement-with-no-updates
confirmation-statement · CS01
2026-02-24
accounts-with-accounts-type-total-exemption-full
accounts · AA
2025-09-10
confirmation-statement-with-updates
confirmation-statement · CS01
2025-02-28
change-registered-office-address-company-with-date-old-address-new-address
address · AD01
2025-02-28
memorandum-articles
incorporation · MA
2024-10-25
resolution
resolution · RESOLUTIONS
2024-10-25
capital-allotment-shares
capital · SH01
2024-10-17
accounts-with-accounts-type-total-exemption-full
accounts · AA
2024-09-11
termination-director-company-with-name-termination-date
officers · TM01
2024-05-07
confirmation-statement-with-updates
confirmation-statement · CS01
2024-02-29
termination-director-company-with-name-termination-date
officers · TM01
2024-02-12
termination-director-company-with-name-termination-date
officers · TM01
2023-12-14
accounts-with-accounts-type-total-exemption-full
accounts · AA
2023-06-30
capital-allotment-shares
capital · SH01
2023-06-06
memorandum-articles
incorporation · MA
2023-04-25