3CHA LTD

🌳Matureactive

08604875 · private-limited-guarant-nsc · incorporated 2013-07-10

Investment thesis

Property vehicle with a workable charge structure — clean refinance potential.

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

Why risky: Dependent on title and valuation due diligence; standard property risks.

Opportunity decay

approaching window · 12-months

Approaching a transaction window — refinance or sale event plausible in the next 12 months.

· Oldest live charge 5.2y old — refinance window within 12 months

🔒Estimated value

—

Upgrade to see

Turnover

—

year to Jul 2025

Net worth

£3.43M

book net assets

Opportunity

79/100

Strong

🔒Generate AI memo →🔒Outreach pack →🔒Corporate story →📑 Reports →Sign in to watch

What this business does

Primary activity: Other letting and operating of own or leased real estate

Sector: Real estate

Investor take

Pursue

Property-backed borrower with a 77-year-old founder — textbook succession opportunity.

Opportunity 79/100 (strong), bankability 80/100. Strong seller-intent signal (63/100, director aged 77). Share purchase looks the cleaner deal structure. Most likely exit: share sale to pe / searcher (65/100).

🏦

Refinance opportunity

2 live charges · oldest 5.2y

65/100

clean up first

Refinance viable after a tidy-up — address the highlighted items first.

· Oldest live charge is 5.2 years old — likely at or near maturity.
· Single lender — cleanest path to refinance.
· Legal-friction score 28/100 — workable, but lender will want more DD.

Data confidence

Overall: medium (73/100)

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

2 charges (2/2 with lender, 2/2 with type)

Directors & officers

18 officers (7 active, 18 linked, 15 with DOB)

Ownership & PSC

No PSCs filed (unusual — worth investigating)

Director network

8 connected companies via shared directors

Filing history

58 filings on record

Gazette notices

No matching gazette notices (standard for active companies)

🔒Estimated company valuation

Sector-multiple EBITDA, turnover, and NAV-proxy valuation range with confidence tier — derived from extracted iXBRL financials.

Available from the Pro tier upwards.

See pricing →

Opportunity Score

79/100Strong

PassWatchWorth a lookStrongExceptional

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

Business quality

Active, clean filings, stable charge profile.

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 · accounting standard not declared

Positive net assets

Net assets £3,429,693

Cash YoY

+2%

Year on year

Key financials

2 years extracted from filed iXBRL accounts

Cash

£2.2m

↑ 2.1% YoY

Net Worth

£3.4m

↑ 21% YoY

Current Assets

£3.6m

↑ 32% YoY

Current Liabilities

—

Hover to see exact values · click legend to toggle series

Financials

Extracted from Companies House accounts · accounting standard unknown

Metric	2025-07-31	2024-07-31
Total assets	£4.33M	£3.76M
Current assets	£3.60M	£2.72M
Cash	£2.24M	£2.20M
Debtors	£1.36M	£524.5k
Net assets	£3.43M	£2.83M

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

filing

• 1 accounts

Last 90 days

filing

• 1 accounts

Last 180 days

filings

• 1 accounts
• 1 officers

Counts from Companies House filing history.

Corporate timeline (54 events)Click to expand

2026-04-27
📄
accounts-with-accounts-type-small
accounts · AA
2025-12-05
📄
change-person-director-company-with-change-date
officers · CH01
2025-11-17
📄
appoint-person-director-company-with-name-date
officers · AP01
2025-08-05
📄
termination-director-company-with-name-termination-date
officers · TM01
2025-07-31
➖
LO BIANCO, Isabella resigned
director
2025-05-13
📄
termination-director-company-with-name-termination-date
officers · TM01
2025-05-08
➖
KHALID, Raj resigned
director
2025-05-01
➕
MURRAY, Iain Guthrie appointed
director
2025-02-19
📄
termination-director-company-with-name-termination-date
officers · TM01
2025-02-19
📄
termination-secretary-company-with-name-termination-date
officers · TM02
2025-02-19
📄
appoint-person-secretary-company-with-name-date
officers · AP03
2025-02-19
📄
termination-director-company-with-name-termination-date
officers · TM01
2025-02-01
➕
FOLLEY, Alan Stephen appointed
secretary
2025-01-31
➖
WESTERN, Helen resigned
secretary
2025-01-31
➖
EDWARDS, Timothy Charles James resigned
director
2025-01-31
➖
WESTERN, Helen resigned
director
2025-01-30
📄
accounts-with-accounts-type-small
accounts · AA
2024-08-14
📄
appoint-person-secretary-company-with-name-date
officers · AP03
2024-08-01
➕
WESTERN, Helen appointed
secretary
2024-08-01
➕
WESTERN, Helen appointed
director
2024-08-01
📄
appoint-person-director-company-with-name-date
officers · AP01
2024-07-31
➖
CALLAGHAN, John resigned
secretary
2024-07-31
➖
CALLAGHAN, John William resigned
director
2024-07-31
➖
DEVITT, Simon resigned
director
2024-07-31
📄
termination-director-company-with-name-termination-date
officers · TM01
2024-07-31
📄
termination-director-company-with-name-termination-date
officers · TM01
2024-07-31
📄
termination-secretary-company-with-name-termination-date
officers · TM02
2024-04-08
📄
accounts-with-accounts-type-small
accounts · AA
2023-10-05
📄
appoint-person-director-company-with-name-date
officers · AP01
2023-10-01
➕
FOLLEY, Alan Stephen appointed
director
2023-09-06
📄
appoint-person-secretary-company-with-name-date
officers · AP03
2023-09-05
➕
CALLAGHAN, John appointed
secretary
2023-08-30
📄
termination-director-company-with-name-termination-date
officers · TM01
2023-08-30
📄
termination-director-company-with-name-termination-date
officers · TM01
2023-08-30
📄
appoint-person-director-company-with-name-date
officers · AP01
2023-08-29
➕
MCCANN, Amelia appointed
director
2023-08-29
➖
GALLACHER, Elizabeth Paterson resigned
director
2023-08-29
➖
MANSFIELD, Coralie Patricia resigned
director
2023-06-26
📄
appoint-person-director-company-with-name-date
officers · AP01
2022-11-30
➕
MAWSON, Paul appointed
director
2022-10-15
➖
HARDYSMITH, Catherine resigned
director
2022-08-31
➕
STRATFORD, Bradley Guy appointed
director
2022-08-31
➕
TAYLOR, David Clement appointed
director
2022-06-26
➕
LO BIANCO, Isabella appointed
director
2021-08-13
➕
HARDYSMITH, Catherine appointed
director
2021-06-10
🔒
Charge registered #2
Lender: Unity Trust Bank PLC (Crn: 01713124)
2021-03-18
🔒
Charge registered #1
Lender: Unity Trust Bank PLC (Crn: 01713124)
2021-02-19
➕
KHALID, Raj appointed
director
2021-01-19
➕
DEVITT, Simon appointed
director
2013-07-10
🏢
Company incorporated
As 3CHA LTD

Showing most recent 50 of 54 events

Owner dependency

55/100

Moderate — manageable with handover

Some founder dependency, but not acute. A structured handover period should cover most risk.

FACTORS

-6 active directors: Broader management team in place — suggests transferable governance.
+Founder age: Director aged approximately 77 — succession pressure is live.

Succession & seller-readiness

60/100

Strong succession signal

Multiple signals suggest succession is on the horizon. Candidate for proactive outreach.

SIGNALS

primaryFounder aged 70+: Senior director is approximately 77 years old. Natural succession window is now.

Red flags

clean

No 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 · Property · MK postcode area

Company	Est. value	Turnover	Net worth	Staff	Age	Opp	Director
14 RAYS INVESTMENTS LIMITED→ 11003862 · est 2017 · no financials extracted	—	—	—	—	8y	—	—
16 COLEHERNE ROAD (FREEHOLD) LIMITED→ 13923479 · est 2022 · no financials extracted	—	—	—	—	4y	—	—
1972 INVESTMENTS LTD→ 16311337 · est 2025 · no financials extracted	—	—	—	—	1y	—	—
220 CAMBRIDGE ROAD MANAGEMENT COMPANY LIMITED→ 08966160 · est 2014 · no financials extracted	—	—	—	—	12y	—	—
234 INVESTMENTS LTD→ 15172122 · est 2023 · no financials extracted	—	—	—	—	2y	—	—
247 PROPERTIES LTD→ 12150695 · est 2019 · no financials extracted	—	—	—	—	6y	—	—
321 ACTON LANE MANAGEMENT COMPANY LIMITED→ 11923881 · est 2019 · no financials extracted	—	—	—	—	7y	—	—
322 ABBEY LIMITED→ 16380929 · est 2025 · no financials extracted	—	—	—	—	1y	—	—
33 JONATHANS LIMITED→ 14168910 · est 2022 · no financials extracted	—	—	—	—	3y	—	—
3CPM LTD→ 15429756 · est 2024 · no financials extracted	—	—	—	—	2y	—	—
3FIVESIX PROPERTY SOLUTIONS LTD→ 13292433 · est 2021 · no financials extracted	—	—	—	—	5y	—	—
3GA1 PROPERTY LTD→ 16178362 · est 2025 · no financials extracted	—	—	—	—	1y	—	—

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

🔒Tailored diligence questions

7 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

Typeprivate-limited-guarant-nsc

Incorporated2013-07-10

Jurisdictionengland-wales

Primary SIC68209 — Other letting and operating of own or leased real estate

Registered office

314 Midsummer Boulevard

Milton Keynes

MK9 2BU

United Kingdom

Filing status

Accounts

Next due: 2027-04-30

Last made up to: 2025-07-31

Confirmation statement

Next due: 2026-07-23

Last: 2025-07-09