3 RG ASSOCIATES LIMITED
- · Oldest live charge 8.9y old — refinance window within 12 months
- 85590Other education n.e.c.
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. Most likely exit: strategic trade sale (63/100).
Refinance opportunity
3 live charges · oldest 8.9y
Refinance conversation should be productive — structure clean and timing right.
- · Oldest live charge is 8.9 years old — likely at or near maturity.
- · Single lender — cleanest path to refinance.
- · Legal-friction score 15/100 — clean.
Data confidence
Overall: medium (79/100)Adequate coverage. AI outputs are reliable for the sections scored high; verify the rest in diligence.
Solid opportunity signal. Worth a dedicated memo and management meeting.
Key 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 |
|---|
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 (33 events)Click to expand
- 2025-05-06📄accounts-with-accounts-type-total-exemption-fullaccounts · AA
- 2024-06-10📄accounts-with-accounts-type-total-exemption-fullaccounts · AA
- 2023-07-14📄accounts-with-accounts-type-total-exemption-fullaccounts · AA
- 2022-06-17📄accounts-with-accounts-type-micro-entityaccounts · AA
- 2021-10-20📄accounts-with-accounts-type-micro-entityaccounts · AA
- 2020-08-11📄accounts-with-accounts-type-micro-entityaccounts · AA
- 2019-09-25📄accounts-with-accounts-type-micro-entityaccounts · AA
- 2018-05-22📄accounts-with-accounts-type-micro-entityaccounts · AA
- 2017-12-07📍change-registered-office-address-company-with-date-old-address-new-addressaddress · AD01
- 2017-09-27📄mortgage-satisfy-charge-fullmortgage · MR04
- 2017-09-27🔓Charge satisfied #1
- 2017-08-02📄mortgage-create-with-deed-with-charge-number-charge-creation-datemortgage · MR01
- 2017-07-26🔒Charge registered #3Lender: Barclays Bank PLC
- 2017-07-24📄mortgage-create-with-deed-with-charge-number-charge-creation-datemortgage · MR01
- 2017-07-21📄mortgage-create-with-deed-with-charge-number-charge-creation-datemortgage · MR01
- 2017-07-20🔒Charge registered #2Lender: Barclays Bank PLC
- 2017-07-20🔒Charge registered #1Lender: Barclays Bank PLC
- 2017-06-20📄accounts-with-accounts-type-micro-entityaccounts · AA
- 2016-11-08📄accounts-with-accounts-type-micro-entityaccounts · AA
- 2015-10-31➖HAY, Christopher James Philip resigneddirector
- 2012-10-30➕HAY, Christopher James Philip appointeddirector
- 2006-08-10➖KERR, Gavin Robert resigneddirector
- 2006-08-10➖SMITH, Russel Lee resigneddirector
- 2003-09-23🏢Company incorporatedAs 3 RG ASSOCIATES LIMITED
- 2003-09-23➕QUARRIE, Raymond Andrew appointedsecretary
- 2003-09-23➕MANN, Richard James appointeddirector
- 2003-09-23➕QUARRIE, Raymond Andrew appointeddirector
- 2003-09-23➕TEMPLE SECRETARIES LIMITED appointedcorporate-nominee-secretary
- 2003-09-23➖TEMPLE SECRETARIES LIMITED resignedcorporate-nominee-secretary
- 2003-09-23➕KERR, Gavin Robert appointeddirector
- 2003-09-23➕SMITH, Russel Lee appointeddirector
- 2003-09-23➕COMPANY DIRECTORS LIMITED appointedcorporate-nominee-director
- 2003-09-23➖COMPANY DIRECTORS LIMITED resignedcorporate-nominee-director
Owner dependency
Material founder dependency. Consider a 2-3 year earn-out and build in a handover plan before completion.
- +Two-director setup: Only two active directors — typical of owner-managed SMEs but limits succession.
- +Long-tenure founder: Senior director has been in place 23 years — deep operational knowledge concentrated in one person.
Succession & seller-readiness
Multiple signals suggest succession is on the horizon. Candidate for proactive outreach.
- secondaryTwo-director governance: Small-team governance. Succession depth is thin but not absent.
- primary20+ year tenure: Director in role 23 years. Very long tenure is a classic succession signal.
- secondaryStable-but-static management: Company is 23 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
cleanShareholders & ownership
2 active beneficial owners| Name | Shares | Voting rights | Nature of control | Notified |
|---|---|---|---|---|
Mr Raymond Andrew Quarrie Individual · British · DOB 06/1970 · age 56 | 25–50% | — | 25-50% shares | 01/06/2016 |
Mr Richard James Mann Individual · British · DOB 12/1969 · age 57 | 25–50% | — | 25-50% shares | 01/06/2016 |
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.
See pricing →Similar companies
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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 →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 (3 active · 5 resigned)
Click a director name to see their full track record across all companies.
Mortgages & charges
| Type | Properties | |||||
|---|---|---|---|---|---|---|
| outstanding | Barclays Barclays Bank PLC | A registered charge | 1 property | 26/07/2017 | — | |
| outstanding | Barclays Barclays Bank PLC | A registered charge | — | 20/07/2017 | — | |
| satisfied | Barclays Barclays Bank PLC | A registered charge | — | 20/07/2017 | 27/09/2017 |