3R FINANCIAL SERVICES LTD
🌳Matureactive
08454259 · ltd · incorporated 2013-03-21
Investment thesis
Well-run mature business — low negotiation leverage; premium likely.
Why interesting: Textbook target; clean filings, stable trading.
Why risky: No pressure on seller; any deal likely at full price.
Opportunity decay
hardening · 12-months
Already tight — no obvious softening catalysts on the horizon.
- · Thesis: well-run, low negotiation leverage
🔒Estimated value
—
Upgrade to see
Turnover
—
year to Jul 2025
Net worth
£112.5k
book net assets
Opportunity
79/100
Strong
What this business does
Primary activity: Financial intermediation not elsewhere classified
Sector: Financial & insurance
Investor take
PursueStrong opportunity: asset-holding vehicle with strong profile and bankable structure.
Opportunity 79/100 (strong), bankability 75/100. High owner-dependency — earn-out structure likely required for clean transition. Share purchase looks the cleaner deal structure. Biggest value-creation lever: Cash flow review and working-capital discipline. Cash down -82% YoY — forensic review of receivables, stock turns, and creditor days. Most likely exit: share sale to pe / searcher (73/100).
Data confidence
Overall: high (80/100)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
Confirmed no charges registered
85
Directors & officers
2 officers (2 active, 2 linked, 2 with DOB)
90
Ownership & PSC
2 active PSC(s) of 2 total, 2 with control declared
90
Director network
2 connected companies via shared directors
51
Filing history
42 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
75
Strong succession / seller-readiness signals.
Risk profile
85
Few red flags.
Signal strength
90
Good data coverage for analysis.
Signals from accounts
Derived from iXBRL accounts · FRS 102Positive net assets
Net assets £112,537
Cash draining
Cash down 82% YoY
Cash YoY
-82%
Year on year
Key financials
2 years extracted from filed iXBRL accountsCash
£15k
↓ 82% YoY
Net Worth
£113k
↑ 24% YoY
Current Assets
£134k
↑ 28% YoY
Current Liabilities
—
Hover to see exact values · click legend to toggle series
Financials
Extracted from Companies House accounts · FRS 102| Metric | 2025-07-31 | 2024-07-31 |
|---|---|---|
| Total assets | £112.6k | £91.1k |
| Current assets | £134.2k | £104.7k |
| Cash | £15.5k | £86.3k |
| Debtors | £103.7k | £8.4k |
| Net assets | £112.5k | £91.1k |
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
0
filings
Last 90 days
1
filing
- • 1 confirmation-statement
Last 180 days
2
filings
- • 1 confirmation-statement
- • 1 accounts
Counts from Companies House filing history.
Corporate timeline (20 events)Click to expand
- 2025-12-03📄accounts-with-accounts-type-unaudited-abridgedaccounts · AA
- 2025-10-31📄change-person-director-company-with-change-dateofficers · CH01
- 2025-10-31📄change-person-director-company-with-change-dateofficers · CH01
- 2025-10-31📄change-to-a-person-with-significant-controlpersons-with-significant-control · PSC04
- 2025-10-31📄change-to-a-person-with-significant-controlpersons-with-significant-control · PSC04
- 2025-10-31📍change-registered-office-address-company-with-date-old-address-new-addressaddress · AD01
- 2025-03-03📄accounts-with-accounts-type-unaudited-abridgedaccounts · AA
- 2024-01-17📄accounts-with-accounts-type-unaudited-abridgedaccounts · AA
- 2023-01-10📄accounts-with-accounts-type-unaudited-abridgedaccounts · AA
- 2022-12-01📄change-to-a-person-with-significant-controlpersons-with-significant-control · PSC04
- 2022-12-01📄change-to-a-person-with-significant-controlpersons-with-significant-control · PSC04
- 2022-12-01📄change-person-director-company-with-change-dateofficers · CH01
- 2022-12-01📄change-person-director-company-with-change-dateofficers · CH01
- 2022-12-01📍change-registered-office-address-company-with-date-old-address-new-addressaddress · AD01
- 2021-11-08📄accounts-with-accounts-type-unaudited-abridgedaccounts · AA
- 2020-09-22📄accounts-with-accounts-type-total-exemption-fullaccounts · AA
- 2020-02-26📄accounts-with-accounts-type-total-exemption-fullaccounts · AA
- 2019-02-01➕GILBOURNE, Louise appointeddirector
- 2013-03-21🏢Company incorporatedAs 3R FINANCIAL SERVICES LTD
- 2013-03-21➕GILBOURNE, Neil appointeddirector
Owner dependency
79/100
High — earn-out structure requiredMaterial founder dependency. Consider a 2-3 year earn-out and build in a handover plan before completion.
FACTORS
- +Two-director setup: Only two active directors — typical of owner-managed SMEs but limits succession.
- +Senior director age: Director aged approximately 60 — approaching natural succession window.
- +Family involvement: Multiple officers share a surname — likely family business, which concentrates governance.
- +No director turnover: Company is 13 years old with no director changes — suggests a very tight-knit founder team never broadened.
Succession & seller-readiness
59/100
Strong succession signalMultiple signals suggest succession is on the horizon. Candidate for proactive outreach.
SIGNALS
- secondaryFounder aged 58+: Senior director is approximately 60. Early succession window.
- secondaryTwo-director governance: Small-team governance. Succession depth is thin but not absent.
- secondary12+ year tenure: Director in role 13 years.
- 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.)
Shareholders & ownership
2 active beneficial owners| Name | Shares | Voting rights | Nature of control | Notified |
|---|---|---|---|---|
Mrs Louise Gilbourne Individual · British · DOB 12/1966 · age 60 | 25–50% | 25–50% | 25-50% shares · 25-50% voting | 01/02/2019 |
Mr Neil Gilbourne Individual · British · DOB 03/1967 · age 59 | 25–50% | 25–50% | 25-50% shares · 25-50% voting | 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 · Financial services · LN postcode area| Company | Est. value | Turnover | Net worth | Staff | Age | Opp | Director |
|---|---|---|---|---|---|---|---|
| 3D MORTGAGES LTD→ 13225814 · est 2021 · no financials extracted | — | — | — | — | 5y | — | — |
| 3R FINANCIAL ADVISERS LTD→ 12754370 · est 2020 · no financials extracted | — | — | — | — | 5y | — | — |
| 8013B LIMITED→ 12245974 · est 2019 · no financials extracted | — | — | — | — | 6y | — | — |
| A.WAUGH INSPECTIONS LTD→ 10703436 · est 2017 · no financials extracted | — | — | — | — | 9y | — | — |
| ALTERNATIVE COMMERCIAL FINANCE LIMITED→ 08547499 · est 2013 · no financials extracted | — | — | — | — | 12y | — | — |
| AMELIO INVESTMENTS LIMITED→ 15980117 · est 2024 · no financials extracted | — | — | — | — | 1y | — | — |
| ARC BROKER SERVICES LIMITED→ 11224505 · est 2018 · no financials extracted | — | — | — | — | 8y | — | — |
| B B MORTGAGES LTD→ 08057085 · est 2012 · no financials extracted | — | — | — | — | 13y | — | — |
| BEDROCK LAND LIMITED→ 16983713 · est 2026 · no financials extracted | — | — | — | — | — | — | — |
| BIRCHMOUNT SOLUTIONS LTD→ 11100282 · est 2017 · no financials extracted | — | — | — | — | 8y | — | — |
| BOSTON DIRECT MANAGEMENT UK LTD→ 05464047 · est 2005 · no financials extracted | — | — | — | — | 20y | — | — |
| BOXED MORTGAGES LTD→ 16295489 · est 2025 · no financials extracted | — | — | — | — | 1y | — | — |
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
Incorporated2013-03-21
Jurisdictionengland-wales
Primary SIC64999 — Financial intermediation not elsewhere classified
Registered office
Office Sf14 Greetwell Place
2 Lime Kiln Way
Lincoln
Lincolnshire
LN2 4US
England
Filing status
Accounts
Next due: 2027-04-30
Last made up to: 2025-07-31
Confirmation statement
Next due: 2027-04-10
Last: 2026-03-27
Officers (2 active · 0 resigned)
GILBOURNE, Louise→
Activedirector · ~60y · appointed 2019-02-01
View their other companies + combined net worth →
GILBOURNE, Neil→
Activedirector · ~59y · appointed 2013-03-21
View their other companies + combined net worth →
Click a director name to see their full track record across all companies.
Recent filings (42 total)
confirmation-statement-with-updates
confirmation-statement · CS01
2026-04-01
accounts-with-accounts-type-unaudited-abridged
accounts · AA
2025-12-03
change-person-director-company-with-change-date
officers · CH01
2025-10-31
change-person-director-company-with-change-date
officers · CH01
2025-10-31
change-to-a-person-with-significant-control
persons-with-significant-control · PSC04
2025-10-31
change-to-a-person-with-significant-control
persons-with-significant-control · PSC04
2025-10-31
change-registered-office-address-company-with-date-old-address-new-address
address · AD01
2025-10-31
confirmation-statement-with-updates
confirmation-statement · CS01
2025-04-10
accounts-with-accounts-type-unaudited-abridged
accounts · AA
2025-03-03
confirmation-statement-with-updates
confirmation-statement · CS01
2024-04-02
accounts-with-accounts-type-unaudited-abridged
accounts · AA
2024-01-17
confirmation-statement-with-updates
confirmation-statement · CS01
2023-04-06
accounts-with-accounts-type-unaudited-abridged
accounts · AA
2023-01-10
change-to-a-person-with-significant-control
persons-with-significant-control · PSC04
2022-12-01
change-to-a-person-with-significant-control
persons-with-significant-control · PSC04
2022-12-01