3PAY GLOBAL LTD

🌳Matureactive

08615606 · ltd · incorporated 2013-07-18

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 Dec 2024

Net worth

—

book net assets

Opportunity

76/100

Strong

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What this business does

Primary activity: Other service activities n.e.c.

Sector: Other service activities

Investor take

Pursue

Strong opportunity: active trading company with strong profile and bankable structure.

Opportunity 76/100 (strong), bankability 75/100. High owner-dependency — earn-out structure likely required for clean transition. Share purchase looks the cleaner deal structure. Most likely exit: share sale to pe / searcher (65/100).

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

Lenders & charges

Confirmed no charges registered

Directors & officers

5 officers (3 active, 5 linked, 4 with DOB)

Ownership & PSC

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

Director network

11 connected companies via shared directors

Filing history

40 filings on record

Gazette notices

No matching gazette notices (standard for active companies)

Opportunity Score

76/100Strong

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

Good data coverage for analysis.

Key financials

2 years extracted from filed iXBRL accounts

Cash

—

Net Worth

—

Current Assets

—

Current Liabilities

—

Hover to see exact values · click legend to toggle series

Financials

Extracted from Companies House accounts · accounting standard unknown

Metric	2024-12-31	2023-12-31
Average employees	200	100

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

Recent activity

Last 30 days

filings

Last 90 days

filings

Last 180 days

filings

• 1 persons-with-significant-control
• 1 officers

Counts from Companies House filing history.

Corporate timeline (25 events)Click to expand

2026-01-27
📄
change-to-a-person-with-significant-control
persons-with-significant-control · PSC04
2026-01-27
📄
change-person-director-company-with-change-date
officers · CH01
2025-10-31
📄
accounts-with-accounts-type-micro-entity
accounts · AA
2025-05-16
✏️
certificate-change-of-name-company
change-of-name · CERTNM
2025-05-16
✏️
change-of-name-notice
change-of-name · CONNOT
2024-09-29
📄
accounts-with-accounts-type-micro-entity
accounts · AA
2024-08-30
📄
appoint-person-director-company-with-name-date
officers · AP01
2024-08-19
➕
ABBOTT, Marcia appointed
director
2023-11-23
📄
accounts-with-accounts-type-micro-entity
accounts · AA
2023-01-04
➕
ABBOTT, Marcia appointed
secretary
2023-01-04
📄
appoint-person-secretary-company-with-name-date
officers · AP03
2022-09-30
📄
accounts-with-accounts-type-total-exemption-full
accounts · AA
2022-09-08
➖
ABBOTT, Marcia resigned
director
2022-09-08
📄
termination-director-company-with-name-termination-date
officers · TM01
2022-01-21
✏️
certificate-change-of-name-company
change-of-name · CERTNM
2022-01-18
➕
ABBOTT, Marcia appointed
director
2022-01-18
📄
appoint-person-director-company-with-name-date
officers · AP01
2021-09-28
📄
accounts-with-accounts-type-total-exemption-full
accounts · AA
2020-12-14
📄
accounts-with-accounts-type-total-exemption-full
accounts · AA
2019-09-22
📄
accounts-with-accounts-type-total-exemption-full
accounts · AA
2018-09-27
📄
accounts-with-accounts-type-total-exemption-full
accounts · AA
2013-08-02
➖
MURRAY, Edith resigned
director
2013-08-01
➕
MURRAY, Edith appointed
director
2013-07-18
🏢
Company incorporated
As 3PAY GLOBAL LTD
2013-07-18
➕
MURRAY, Peter John appointed
director

Owner dependency

66/100

High — earn-out structure required

Material 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.

Succession & seller-readiness

59/100

Strong succession signal

Multiple 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

1 med ·

Name changed 2 times

medium

Name changes can be benign (rebrand) but can also precede distress, phoenix activity, or buyer concealment.

Evidence: 2025-05-16: certificate-change-of-name-company; 2025-05-16: change-of-name-notice

Shareholders & ownership

1 active beneficial owner · dominant holder ≥75%

Name	Shares	Voting rights	Nature of control	Notified
Mr Peter John Murray Individual · British · DOB 04/1966 · age 60	75–100%	75–100%	75-100% shares · 75-100% voting	18/07/2016

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 · Trade services · W postcode area

Company	Est. value	Turnover	Net worth	Staff	Age	Opp	Director
A.B. EXPLORATION LIMITED→ 00487323 · est 1950 · no financials extracted	—	—	—	—	75y	—	—
A2Z LANDSCAPING LTD→ 16382106 · est 2025 · no financials extracted	—	—	—	—	1y	—	—
A8MUF LTD→ 09304148 · est 2014 · no financials extracted	—	—	—	—	11y	—	—
AA BELLE BLEU LIMITED→ 12471415 · est 2020 · no financials extracted	—	—	—	—	6y	—	—
AA DUHA LTD→ 15194322 · est 2023 · no financials extracted	—	—	—	—	2y	—	—
AB JVCO LIMITED→ 15286662 · est 2023 · no financials extracted	—	—	—	—	2y	—	—
AB PROPERTY ESTATES LIMITED→ 08937734 · est 2014 · no financials extracted	—	—	—	—	12y	—	—
ABARNSON HAIR SALON LTD→ 16481557 · est 2025 · no financials extracted	—	—	—	—	—	—	—
ABBAS HAIR AND BEAUTY SALON LTD→ 16609080 · est 2025 · no financials extracted	—	—	—	—	—	—	—
ABBY BARBERS LIMITED→ 07767973 · est 2011 · no financials extracted	—	—	—	—	14y	—	—
ABC HOUSING LTD→ 15129002 · est 2023 · no financials extracted	—	—	—	—	2y	—	—
ABC WORLD SYSTEM LONDON LIMITED→ 11820220 · est 2019 · no financials extracted	—	—	—	—	7y	—	—

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

Incorporated2013-07-18

Jurisdictionengland-wales

Primary SIC96090 — Other service activities n.e.c.

Registered office

78 York Street

London

W1H 1DP

Filing status

Accounts

Next due: 2026-09-30

Last made up to: 2024-12-31

Confirmation statement

Next due: 2026-07-31

Last: 2025-07-17

Officers (3 active · 2 resigned)

ABBOTT, Marcia→

secretary · appointed 2023-01-04

View their other companies + combined net worth →

Active

ABBOTT, Marcia→

director · ~53y · appointed 2024-08-19

View their other companies + combined net worth →

Active

MURRAY, Peter John→

director · ~60y · appointed 2013-07-18

View their other companies + combined net worth →

Active

ABBOTT, Marcia→

director · ~53y · appointed 2022-01-18 · resigned 2022-09-08

Resigned

MURRAY, Edith→

director · ~63y · appointed 2013-08-01 · resigned 2013-08-02

Resigned

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

Recent filings (40 total)

change-to-a-person-with-significant-control

persons-with-significant-control · PSC04

2026-01-27

change-person-director-company-with-change-date

officers · CH01

2026-01-27

accounts-with-accounts-type-micro-entity

accounts · AA

2025-10-31

confirmation-statement-with-no-updates

confirmation-statement · CS01

2025-07-23

certificate-change-of-name-company

change-of-name · CERTNM

2025-05-16

change-of-name-notice

change-of-name · CONNOT

2025-05-16

accounts-with-accounts-type-micro-entity

accounts · AA

2024-09-29

appoint-person-director-company-with-name-date

officers · AP01

2024-08-30

confirmation-statement-with-no-updates

confirmation-statement · CS01

2024-08-20

accounts-with-accounts-type-micro-entity

accounts · AA

2023-11-23

confirmation-statement-with-no-updates

confirmation-statement · CS01

2023-07-28

appoint-person-secretary-company-with-name-date

officers · AP03

2023-01-04

accounts-with-accounts-type-total-exemption-full

accounts · AA

2022-09-30

termination-director-company-with-name-termination-date

officers · TM01

2022-09-08

confirmation-statement-with-no-updates

confirmation-statement · CS01

2022-07-27