3S NORTHAMPTON LIMITED
🌳Matureactive
09445786 · ltd · incorporated 2015-02-18
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 Jul 2025
Net worth
£803.8k
book net assets
Opportunity
78/100
Strong
What this business does
Primary activity: Electrical installation
Sector: Construction
Investor take
PursueActive trading company. Family succession underway — not a classic acquisition target.
Opportunity 78/100 (strong), bankability 67/100. Same-surname younger director in place — likely family handover, not open to sale. Share purchase looks the cleaner deal structure. Biggest value-creation lever: Consolidate lender relationships. 3 distinct lenders creates friction — refinance into single-lender structure for cleaner diligence. Most likely exit: share sale to pe / searcher (73/100).
🏦
Refinance opportunity
5 live charges · 3 lenders · oldest 10.9y
15/100
under pressure
Refinance would be pressure-driven, not opportunity-driven. Expect tighter margins and covenant scrutiny.
- · Oldest live charge is 10.9 years old — likely at or near maturity.
- · 3 lenders named — inter-creditor friction likely.
- · Cashflow trend is negative — lender view likely cautious.
Data confidence
Overall: high (81/100)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
5 charges (5/5 with lender, 5/5 with type)
90
Directors & officers
2 officers (2 active, 2 linked, 2 with DOB)
90
Ownership & PSC
1 active PSC(s) of 4 total, 4 with control declared
90
Director network
3 connected companies via shared directors
54
Filing history
48 filings on record
85
Gazette notices
No matching gazette notices (standard for active companies)
60
Opportunity Score
78/100Strong
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
77
Few red flags.
Signal strength
100
Good data coverage for analysis.
Signals from accounts
Derived from iXBRL accounts · accounting standard not declaredPositive net assets
Net assets £803,753
Cash draining
Cash down 89% YoY
Cash YoY
-89%
Year on year
Key financials
2 years extracted from filed iXBRL accountsCash
£39k
↓ 89% YoY
Net Worth
£804k
↑ 40% YoY
Current Assets
£1.9m
↑ 24% 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 | £952.1k | £793.8k |
| Current assets | £1.90M | £1.53M |
| Cash | £39.2k | £341.3k |
| Debtors | £1.45M | £808.1k |
| Net assets | £803.8k | £572.6k |
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
0
filings
Last 180 days
2
filings
- • 1 confirmation-statement
- • 1 accounts
Counts from Companies House filing history.
Corporate timeline (28 events)Click to expand
- 2026-02-16📄accounts-with-accounts-type-total-exemption-fullaccounts · AA
- 2025-03-12📄cessation-of-a-person-with-significant-controlpersons-with-significant-control · PSC07
- 2025-03-12📄cessation-of-a-person-with-significant-controlpersons-with-significant-control · PSC07
- 2025-03-12📄notification-of-a-person-with-significant-controlpersons-with-significant-control · PSC02
- 2025-03-11📄notification-of-a-person-with-significant-controlpersons-with-significant-control · PSC01
- 2024-10-01📄accounts-with-accounts-type-total-exemption-fullaccounts · AA
- 2024-03-13📄cessation-of-a-person-with-significant-controlpersons-with-significant-control · PSC07
- 2023-12-19📄accounts-with-accounts-type-total-exemption-fullaccounts · AA
- 2022-09-09➕PRAGNELL, Joseph Ian appointeddirector
- 2022-09-09📄accounts-with-accounts-type-total-exemption-fullaccounts · AA
- 2022-09-09📄appoint-person-director-company-with-name-dateofficers · AP01
- 2022-02-10📄accounts-with-accounts-type-total-exemption-fullaccounts · AA
- 2021-12-08📄mortgage-satisfy-charge-fullmortgage · MR04
- 2021-12-08🔓Charge satisfied #4
- 2020-12-07📄accounts-with-accounts-type-total-exemption-fullaccounts · AA
- 2020-11-30📄mortgage-satisfy-charge-fullmortgage · MR04
- 2020-11-30🔓Charge satisfied #3
- 2019-10-24📄accounts-with-accounts-type-total-exemption-fullaccounts · AA
- 2019-01-15📄accounts-with-accounts-type-total-exemption-fullaccounts · AA
- 2018-07-26📄change-account-reference-date-company-current-shortenedaccounts · AA01
- 2017-08-22🔒Charge registered #5Lender: Lloyds Bank Commercial Finance Limited
- 2016-11-24🔒Charge registered #4Lender: Lloyds Bank PLC
- 2015-11-10🔒Charge registered #3Lender: Ashley Commercial Finance Limited
- 2015-10-01🔓Charge satisfied #2
- 2015-09-17🔒Charge registered #2Lender: Lloyds Bank Commercial Finance Limited
- 2015-08-07🔒Charge registered #1Lender: Lloyds Bank PLC
- 2015-02-18🏢Company incorporatedAs 3S NORTHAMPTON LIMITED
- 2015-02-18➕PRAGNELL, Ian Geoffrey 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 64 — approaching natural succession window.
- +Family involvement: Multiple officers share a surname — likely family business, which concentrates governance.
- +No director turnover: Company is 11 years old with no director changes — suggests a very tight-knit founder team never broadened.
Succession & seller-readiness
21/100
No succession signalNo meaningful acquirability indicators from public data.
SIGNALS
- primaryFamily succession underway: Not a takeover target — PRAGNELL, Joseph Ian (same surname) appointed 2022-09-09. Pattern consistent with intra-family handover.
- primaryFounder aged 63+: Senior director is approximately 64. Approaching typical UK retirement age — succession thinking likely.
- secondaryTwo-director governance: Small-team governance. Succession depth is thin but not absent.
- supportingClean filings + long tenure: Disciplined long-tenure operator — classic lifestyle-business pattern that often sells quietly.
Red flags
1 med ·Charge satisfaction-then-recreation pattern
mediumMultiple instances where a charge was satisfied and a new charge created within 6 months. Suggests active refinancing cycle.
Group structure
3s Northampton (Holdings) Limited is the ultimate parent — holding 75%+ shares. This company sits inside their group.
🏛️ultimate parent
3s Northampton (Holdings) Limited
Corporate parent · holds 75-100% shares
⬇
3S NORTHAMPTON LIMITED
This company · 09445786
Parent relationships inferred from Persons with Significant Control filings. Full subsidiary tree requires reverse-lookup (coming).
Shareholders & ownership
1 active beneficial owner · dominant holder ≥75%| Name | Shares | Voting rights | Nature of control | Notified |
|---|---|---|---|---|
3s Northampton (Holdings) Limited Corporate entity | 75–100% | — | 75-100% shares | 01/08/2023 |
3 historic (ceased) PSCs
- Mr Joseph Ian Pragnellceased 01/08/2024· 25-50% shares · 25-50% voting · significant influence · firm interest
- Mrs Sally Ann Pragnellceased 15/10/2022· 25-50% shares · 25-50% voting
- Mr Ian Geoffrey Pragnellceased 01/08/2023· 25-50% shares · 25-50% voting
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
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|---|---|---|---|---|---|---|---|
| A C LOFTS LIMITED→ 09365460 · est 2014 · no financials extracted | — | — | — | — | 11y | — | — |
| A CHERECHES LTD→ 10182474 · est 2016 · no financials extracted | — | — | — | — | 9y | — | — |
| A.C.R. DEVELOPMENTS LIMITED→ 04671054 · est 2003 · no financials extracted | — | — | — | — | 23y | — | — |
| A.D.A DISTRIBUTION LTD→ 12594735 · est 2020 · no financials extracted | — | — | — | — | 5y | — | — |
| A&C ROOFING SERVICES LTD→ 15985278 · est 2024 · no financials extracted | — | — | — | — | 1y | — | — |
| ABINGTON VALE SCAFFOLDING LIMITED→ 14251518 · est 2022 · no financials extracted | — | — | — | — | 3y | — | — |
| ABORA PROPERTIES (TAVERHAM) LIMITED→ 16104014 · est 2024 · no financials extracted | — | — | — | — | 1y | — | — |
| ABSOLUTE FLOORS247 LTD→ 17127648 · est 2026 · no financials extracted | — | — | — | — | — | — | — |
| ABV BRICKWORK LTD→ 14489639 · est 2022 · no financials extracted | — | — | — | — | 3y | — | — |
| AC ELECTRICAL CONTRACTING LIMITED→ 13305597 · est 2021 · no financials extracted | — | — | — | — | 5y | — | — |
| AC VACUUM EXCAVATION LTD→ 16222450 · est 2025 · no financials extracted | — | — | — | — | 1y | — | — |
| ACA INTERIORS LTD→ 12284617 · est 2019 · no financials extracted | — | — | — | — | 6y | — | — |
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
Incorporated2015-02-18
Jurisdictionengland-wales
Primary SIC43210 — Electrical installation
Registered office
30 The Business Centre, Ross Road
Weedon Road Industrial Estate
Northampton
NN5 5AX
United Kingdom
Filing status
Accounts
Next due: 2027-04-30
Last made up to: 2025-07-31
Confirmation statement
Next due: 2027-02-24
Last: 2026-02-10
Officers (2 active · 0 resigned)
PRAGNELL, Ian Geoffrey→
Activedirector · ~64y · appointed 2015-02-18
View their other companies + combined net worth →
PRAGNELL, Joseph Ian→
Activedirector · ~35y · appointed 2022-09-09
View their other companies + combined net worth →
Click a director name to see their full track record across all companies.
Mortgages & charges
5
Total charges
2
Outstanding
1
Active lenders
Status:Lender:5 of 5 shown
| Type | Properties | |||||
|---|---|---|---|---|---|---|
| outstanding | Lloyds Banking Group Lloyds Bank Commercial Finance Limited | A registered charge | — | 22/08/2017 | — | |
| satisfied | Lloyds Banking Group Lloyds Bank PLC | A registered charge | 1 property | 24/11/2016 | 08/12/2021 | |
| satisfied | Ashley Commercial Finance Ashley Commercial Finance Limited | A registered charge | — | 10/11/2015 | 30/11/2020 | |
| satisfied | Lloyds Banking Group Lloyds Bank Commercial Finance Limited | A registered charge | — | 17/09/2015 | 01/10/2015 | |
| outstanding | Lloyds Banking Group Lloyds Bank PLC | A registered charge | — | 07/08/2015 | — |
Click column headers to sort. Use filters above to narrow by status and lender.
Recent filings (48 total)
confirmation-statement-with-no-updates
confirmation-statement · CS01
2026-03-10
accounts-with-accounts-type-total-exemption-full
accounts · AA
2026-02-16
confirmation-statement-with-no-updates
confirmation-statement · CS01
2025-03-12
cessation-of-a-person-with-significant-control
persons-with-significant-control · PSC07
2025-03-12
cessation-of-a-person-with-significant-control
persons-with-significant-control · PSC07
2025-03-12
notification-of-a-person-with-significant-control
persons-with-significant-control · PSC02
2025-03-12
notification-of-a-person-with-significant-control
persons-with-significant-control · PSC01
2025-03-11
accounts-with-accounts-type-total-exemption-full
accounts · AA
2024-10-01
confirmation-statement-with-updates
confirmation-statement · CS01
2024-03-13
cessation-of-a-person-with-significant-control
persons-with-significant-control · PSC07
2024-03-13
accounts-with-accounts-type-total-exemption-full
accounts · AA
2023-12-19
confirmation-statement-with-updates
confirmation-statement · CS01
2023-03-15
accounts-with-accounts-type-total-exemption-full
accounts · AA
2022-09-09
appoint-person-director-company-with-name-date
officers · AP01
2022-09-09
accounts-with-accounts-type-total-exemption-full
accounts · AA
2022-02-10