3T PROPERTIES LIMITED

🌳Matureactive

03981469 · ltd · incorporated 2000-04-27

Investment thesis

Property vehicle with leveraged stack — refinance / partial-release angle.

Why interesting: Asset-backed; value largely in underlying property; lender engagement likely possible.

Why risky: Multiple lenders to manage; inter-creditor friction and partial-release cost possible.

🔒Estimated value

—

Upgrade to see

Turnover

—

year to May 2025

Net worth

£168.4k

book net assets

Opportunity

78/100

Strong

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What this business does

Primary activity: Construction of commercial buildings

Sector: Construction

Investor take

Pursue

Active trading company with a 81-year-old founder — textbook succession opportunity.

Opportunity 78/100 (strong), bankability 57/100. Strong seller-intent signal (83/100, director aged 81). Biggest value-creation lever: Consolidate lender relationships. 4 distinct lenders creates friction — refinance into single-lender structure for cleaner diligence. Most likely exit: share sale to pe / searcher (65/100).

🏦

Refinance opportunity

8 live charges · 4 lenders · oldest 22.3y

15/100

under pressure

Refinance would be pressure-driven, not opportunity-driven. Expect tighter margins and covenant scrutiny.

· Oldest live charge is 22.3 years old — likely at or near maturity.
· 4 lenders named — inter-creditor friction likely.
· Cashflow trend is negative — lender view likely cautious.

Data confidence

Overall: medium (79/100)

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

Lenders & charges

8 charges (8/8 with lender, 8/8 with type)

Directors & officers

7 officers (3 active, 7 linked, 4 with DOB)

Ownership & PSC

1 active PSC(s) of 1 total, 1 with control declared

Director network

2 connected companies via shared directors

Filing history

78 filings on record

Gazette notices

No matching gazette notices (standard for active companies)

Opportunity Score

78/100Strong

PassWatchWorth a lookStrongExceptional

Solid opportunity signal. Worth a dedicated memo and management meeting.

Business quality

Adequate — check latest filings for context.

Acquirability

Strong succession / seller-readiness signals.

Risk profile

Few red flags.

Signal strength

100

Good data coverage for analysis.

Signals from accounts

Derived from iXBRL accounts · FRS 102

Positive net assets

Net assets £168,401

Net assets shrinking

Down £21,315 YoY

Cash draining

Cash down 63% YoY

Cash YoY

-63%

Year on year

Key financials

2 years extracted from filed iXBRL accounts

Cash

£25k

↓ 63% YoY

Net Worth

£168k

↓ 11% YoY

Current Assets

£176k

↓ 8.0% YoY

Current Liabilities

—

Hover to see exact values · click legend to toggle series

Financials

Extracted from Companies House accounts · FRS 102

Metric	2025-05-31	2024-05-31
Total assets	£168.4k	£189.7k
Current assets	£176.3k	£191.6k
Cash	£25.1k	£67.6k
Net assets	£168.4k	£189.7k

Amounts extracted automatically from iXBRL. Fields left blank were not reported or not mapped. Values in GBP unless stated.

🔒Filing-note intelligence

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

Last 30 days

filings

Last 90 days

filing

• 1 accounts

Last 180 days

filing

• 1 accounts

Counts from Companies House filing history.

Corporate timeline (36 events)Click to expand

2026-02-24
📄
accounts-with-accounts-type-total-exemption-full
accounts · AA
2025-02-25
📄
accounts-with-accounts-type-total-exemption-full
accounts · AA
2024-02-20
📄
accounts-with-accounts-type-total-exemption-full
accounts · AA
2023-02-23
📄
accounts-with-accounts-type-total-exemption-full
accounts · AA
2022-02-24
📄
accounts-with-accounts-type-total-exemption-full
accounts · AA
2021-04-06
📄
accounts-with-accounts-type-total-exemption-full
accounts · AA
2020-02-27
📄
accounts-with-accounts-type-total-exemption-full
accounts · AA
2019-02-20
📄
accounts-with-accounts-type-total-exemption-full
accounts · AA
2018-02-20
📄
accounts-with-accounts-type-total-exemption-full
accounts · AA
2017-03-03
📄
mortgage-create-with-deed-with-charge-number-charge-creation-date
mortgage · MR01
2017-02-22
📄
accounts-with-accounts-type-total-exemption-full
accounts · AA
2017-02-22
🔒
Charge registered #8
Lender: Lloyds Bank PLC
2016-07-19
📄
annual-return-company-with-made-up-date-full-list-shareholders
annual-return · AR01
2016-02-23
📄
accounts-with-accounts-type-total-exemption-small
accounts · AA
2015-06-04
📄
annual-return-company-with-made-up-date-full-list-shareholders
annual-return · AR01
2015-02-24
📄
accounts-with-accounts-type-total-exemption-small
accounts · AA
2014-06-03
📄
annual-return-company-with-made-up-date-full-list-shareholders
annual-return · AR01
2012-02-16
➖
THORNE, Kenneth Roy resigned
director
2012-02-16
➖
TUCKER, Stephen John resigned
director
2011-02-11
🔒
Charge registered #7
Lender: Lloyds Tsb Bank PLC
2010-10-08
🔒
Charge registered #6
Lender: Lloyds Tsb Bank PLC
2010-10-08
🔒
Charge registered #5
Lender: Lloyds Tsb Bank PLC
2010-09-10
🔒
Charge registered #4
Lender: Lloyds Tsb Bank PLC
2006-01-13
🔒
Charge registered #3
Lender: Aib Group (UK) PLC
2005-09-02
🔒
Charge registered #2
Lender: Aib Group (UK) P.L.C.
2004-01-16
🔒
Charge registered #1
Lender: Aib Group (UK) PLC
2000-04-27
🏢
Company incorporated
As 3T PROPERTIES LIMITED
2000-04-27
➕
WARREN, Neil Stephen appointed
secretary
2000-04-27
➕
TAYLOR, Christopher John appointed
director
2000-04-27
➕
WARREN, Neil Stephen appointed
director
2000-04-27
➕
WATERLOW SECRETARIES LIMITED appointed
corporate-nominee-secretary
2000-04-27
➖
WATERLOW SECRETARIES LIMITED resigned
corporate-nominee-secretary
2000-04-27
➕
THORNE, Kenneth Roy appointed
director
2000-04-27
➕
TUCKER, Stephen John appointed
director
2000-04-27
➕
WATERLOW NOMINEES LIMITED appointed
corporate-nominee-director
2000-04-27
➖
WATERLOW NOMINEES LIMITED resigned
corporate-nominee-director

Owner dependency

83/100

Critical — business is the founder

The business appears inseparable from the founder. Acquisition without a serious earn-out or meaningful transition period would likely destroy value.

FACTORS

+Two-director setup: Only two active directors — typical of owner-managed SMEs but limits succession.
+Long-tenure founder: Senior director has been in place 26 years — deep operational knowledge concentrated in one person.
+Founder age: Director aged approximately 81 — succession pressure is live.

Succession & seller-readiness

96/100

Likely off-market candidate

Strong acquirability signals converging. Worth approaching directly — this is how off-market deals start.

SIGNALS

primaryFounder aged 70+: Senior director is approximately 81 years old. Natural succession window is now.
secondaryTwo-director governance: Small-team governance. Succession depth is thin but not absent.
primary20+ year tenure: Director in role 26 years. Very long tenure is a classic succession signal.
secondaryStable-but-static management: Company is 26 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 low

8 live charges

low

Heavily leveraged with multiple live security positions — understand the capital structure before proceeding.

Shareholders & ownership

1 active beneficial owner

Name	Shares	Voting rights	Nature of control	Notified
Mr Christopher John Taylor Individual · British · DOB 05/1945 · age 81	50–75%	—	50-75% shares	06/04/2016

From Companies House Persons with Significant Control filings. Share ranges are banded per the public PSC regime.

🔒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 · Construction · RG postcode area

Company	Est. value	Turnover	Net worth	Staff	Age	Opp	Director
100 GLOBAL VENTURES LTD→ 14556813 · est 2022 · no financials extracted	—	—	—	—	3y	—	—
1ST STOP BUILDING SERVICES LTD→ 11371730 · est 2018 · no financials extracted	—	—	—	—	7y	—	—
2M PROPERTY SERVICES LIMITED→ 05895292 · est 2006 · no financials extracted	—	—	—	—	19y	—	—
360 COMMERCIAL ENVIRONMENTS LIMITED→ 07248994 · est 2010 · no financials extracted	—	—	—	—	15y	—	—
3SIXTY PROJECTS DESIGN & BUILD LTD→ 12884943 · est 2020 · no financials extracted	—	—	—	—	5y	—	—
3SIXTY PROJECTS LIMITED→ 12883542 · est 2020 · no financials extracted	—	—	—	—	5y	—	—
4B2 CONSTRUCTION LTD→ 10430660 · est 2016 · no financials extracted	—	—	—	—	9y	—	—
4DS CONSTRUCTION LIMITED→ 10427331 · est 2016 · no financials extracted	—	—	—	—	9y	—	—
534 BUILD LTD→ 15517462 · est 2024 · no financials extracted	—	—	—	—	2y	—	—
72 KIDMORE ROAD MANAGEMENT LIMITED→ 09761170 · est 2015 · no financials extracted	—	—	—	—	10y	—	—
7DAY CONTRACTORS LTD→ 12954263 · est 2020 · no financials extracted	—	—	—	—	5y	—	—
A AND I DEVELOPMENTS LIMITED→ 12422201 · est 2020 · no financials extracted	—	—	—	—	6y	—	—

Peers ranked by estimated value, then turnover, then opportunity score.See all →

🔒Tailored diligence questions

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 →

🔒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

Incorporated2000-04-27

Jurisdictionengland-wales

Primary SIC41201 — Construction of commercial buildings

Registered office

11 Ledran Close

Lower Earley

Reading

Berkshire

RG6 4JF

Filing status

Accounts

Next due: 2027-02-28

Last made up to: 2025-05-31

Confirmation statement

Next due: 2026-06-14

Last: 2025-05-31

Officers (3 active · 4 resigned)

WARREN, Neil Stephen→

secretary · appointed 2000-04-27

View their other companies + combined net worth →

Active

TAYLOR, Christopher John→

director · ~81y · appointed 2000-04-27

View their other companies + combined net worth →

Active

WARREN, Neil Stephen→

director · ~63y · appointed 2000-04-27

View their other companies + combined net worth →

Active

WATERLOW SECRETARIES LIMITED→

corporate-nominee-secretary · appointed 2000-04-27 · resigned 2000-04-27

Resigned

THORNE, Kenneth Roy→

director · ~81y · appointed 2000-04-27 · resigned 2012-02-16

Resigned

TUCKER, Stephen John→

director · ~74y · appointed 2000-04-27 · resigned 2012-02-16

Resigned

WATERLOW NOMINEES LIMITED→

corporate-nominee-director · appointed 2000-04-27 · resigned 2000-04-27

Resigned

Click a director name to see their full track record across all companies.

Mortgages & charges

Total charges

Outstanding

Active lenders

Status:Lender:8 of 8 shown

		Type	Properties
outstanding	Lloyds Banking Group Lloyds Bank PLC	A registered charge	1 property	22/02/2017	—
outstanding	Lloyds Banking Group Lloyds Tsb Bank PLC	Mortgage	1 property	11/02/2011	—
outstanding	Lloyds Banking Group Lloyds Tsb Bank PLC	Mortgage	1 property	08/10/2010	—
outstanding	Lloyds Banking Group Lloyds Tsb Bank PLC	Mortgage	1 property	08/10/2010	—
outstanding	Lloyds Banking Group Lloyds Tsb Bank PLC	Debenture	1 property	10/09/2010	—
outstanding	Aib Group (UK) Aib Group (UK) PLC	Legal mortgage	2 properties	13/01/2006	—
outstanding	Aib Group (UK) P.L.C.	Legal mortgage	2 properties	02/09/2005	—
outstanding	Aib Group (UK) Aib Group (UK) PLC	Legal mortgage	2 properties	16/01/2004	—

Click column headers to sort. Use filters above to narrow by status and lender.