3CA INVESTMENTS LIMITED
📉Decliningactive
09595840 · ltd · incorporated 2015-05-18
Investment thesis
Property vehicle with leveraged stack — refinance / partial-release angle.
Why interesting: Asset-backed; value largely in underlying property; lender engagement likely possible.
Why risky: Multiple lenders to manage; inter-creditor friction and partial-release cost possible.
Opportunity decay
drifting distress · 6-months
Drifting toward distress — expect more negotiability in 3–6 months, but also more friction.
- · Lifecycle stage drifting downward
- · Currently "declining"
🔒Estimated value
—
Upgrade to see
Turnover
£1.26M
year to May 2025
Net worth
—
book net assets
Opportunity
77/100
Strong
What this business does
Primary activity: Other letting and operating of own or leased real estate
Sector: Real estate
Investor take
PursueProperty-backed borrower with a 76-year-old founder — textbook succession opportunity.
Opportunity 77/100 (strong), bankability 67/100. Strong seller-intent signal (63/100, director aged 76). Share purchase looks the cleaner deal structure. Biggest value-creation lever: Consolidate lender relationships. 9 distinct lenders creates friction — refinance into single-lender structure for cleaner diligence. Most likely exit: share sale to pe / searcher (77/100).
🏦
Refinance opportunity
14 live charges · 9 lenders · oldest 10.6y
35/100
too messy
Refinance path is blocked by complexity. Rethink structure or expect bespoke, expensive terms.
- · Oldest live charge is 10.6 years old — likely at or near maturity.
- · 9 lenders named — inter-creditor friction likely.
- · Legal-friction score 40/100 — workable, but lender will want more DD.
Data confidence
Overall: medium (79/100)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
75
Lenders & charges
14 charges (14/14 with lender, 14/14 with type)
90
Directors & officers
5 officers (4 active, 5 linked, 4 with DOB)
86
Ownership & PSC
1 active PSC(s) of 2 total, 2 with control declared
90
Director network
1 connected companies via shared directors
48
Filing history
74 filings on record
85
Gazette notices
No matching gazette notices (standard for active companies)
60
Opportunity Score
77/100Strong
PassWatchWorth a lookStrongExceptional
Solid opportunity signal. Worth a dedicated memo and management meeting.
Business quality
70
Active, clean filings, stable charge profile.
Acquirability
70
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 · FRS 102Profitable
Profit before tax £662,976
Strong revenue growth
Turnover up 19% YoY
Turnover YoY
+19%
Year on year
Key financials
2 years extracted from filed iXBRL accountsCash
—
Net Worth
—
Current Assets
—
Current Liabilities
—
Hover to see exact values · click legend to toggle series
Financials
Extracted from Companies House accounts · FRS 102| Metric | 2025-05-31 | 2024-05-31 |
|---|---|---|
| Turnover | £1.26M | £1.06M |
| Gross profit | £1.26M | £1.06M |
| Profit before tax | £663.0k | £936.1k |
| Average employees | 200 | 200 |
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
4
filings
- • 2 officers
- • 1 confirmation-statement
- • 1 persons-with-significant-control
Last 180 days
5
filings
- • 2 officers
- • 1 confirmation-statement
- • 1 persons-with-significant-control
Counts from Companies House filing history.
Corporate timeline (55 events)Click to expand
- 2026-04-30📄change-person-director-company-with-change-dateofficers · CH01
- 2026-04-30📄change-to-a-person-with-significant-controlpersons-with-significant-control · PSC04
- 2026-04-30📄change-person-director-company-with-change-dateofficers · CH01
- 2026-02-09📄accounts-with-accounts-type-total-exemption-fullaccounts · AA
- 2025-12-22📄change-to-a-person-with-significant-controlpersons-with-significant-control · PSC04
- 2025-11-27📄change-person-director-company-with-change-dateofficers · CH01
- 2025-10-13📄mortgage-satisfy-charge-fullmortgage · MR04
- 2025-10-13🔓Charge satisfied #8
- 2025-02-11📄accounts-with-accounts-type-total-exemption-fullaccounts · AA
- 2024-12-19📄capital-allotment-sharescapital · SH01
- 2024-08-13📄mortgage-satisfy-charge-fullmortgage · MR04
- 2024-08-13🔓Charge satisfied #12
- 2024-07-31📄mortgage-satisfy-charge-fullmortgage · MR04
- 2024-07-31🔓Charge satisfied #3
- 2024-07-15📄mortgage-satisfy-charge-fullmortgage · MR04
- 2024-07-15📄mortgage-satisfy-charge-fullmortgage · MR04
- 2024-07-15📄mortgage-satisfy-charge-fullmortgage · MR04
- 2024-07-15🔓Charge satisfied #6
- 2024-07-15🔓Charge satisfied #5
- 2024-07-15🔓Charge satisfied #4
- 2024-07-08📄mortgage-satisfy-charge-fullmortgage · MR04
- 2024-07-08📄mortgage-satisfy-charge-fullmortgage · MR04
- 2024-07-08📄mortgage-satisfy-charge-fullmortgage · MR04
- 2024-07-08📄mortgage-satisfy-charge-fullmortgage · MR04
- 2024-07-08🔓Charge satisfied #11
- 2024-07-08🔓Charge satisfied #10
- 2024-07-08🔓Charge satisfied #9
- 2024-07-08🔓Charge satisfied #7
- 2024-06-18📄change-person-director-company-with-change-dateofficers · CH01
- 2024-05-29📄capital-allotment-sharescapital · SH01
- 2023-12-21📄mortgage-create-with-deed-with-charge-number-charge-creation-datemortgage · MR01
- 2023-12-06🔒Charge registered #14Lender: Barclays Bank PLC
- 2023-11-13📍change-registered-office-address-company-with-date-old-address-new-addressaddress · AD01
- 2023-07-28🔒Charge registered #13Lender: Bnp Paribas (Suisse) Sa
- 2022-06-23🔒Charge registered #12Lender: Union Bancaire Privee, Ubp Sa (Singapore Branch)
- 2020-05-06🔒Charge registered #11Lender: Brown Shipley & Co Limited
- 2020-05-06🔒Charge registered #10Lender: Brown Shipley & Co Limited
- 2020-05-06🔒Charge registered #9Lender: Brown Shipley & Co Limited
- 2020-02-03➕BHAVNANI THADANI, Smayan Dileep appointeddirector
- 2020-02-03🔒Charge registered #8Lender: Citibank Europe PLC (Luxembourg Branch)
- 2019-12-05🔒Charge registered #7Lender: Brown Shipley & Co. Limited
- 2019-09-30🔒Charge registered #6Lender: Barclays Bank PLC
- 2019-09-30🔒Charge registered #5Lender: Barclays Bank PLC
- 2019-09-30🔒Charge registered #4Lender: Barclays Bank PLC
- 2018-06-13➕RAJHWANI NANWANI, Meera Bhavnani appointeddirector
- 2018-06-13➕THADANI, Rashmee appointeddirector
- 2018-02-19➖HARDCASTLE, Gemma Mary Ella resignedsecretary
- 2017-09-16🔓Charge satisfied #2
- 2017-09-16🔓Charge satisfied #1
- 2017-09-12🔒Charge registered #3Lender: Barclays Bank (Suisse) Sa
Showing most recent 50 of 55 events
Owner dependency
55/100
Moderate — manageable with handoverSome founder dependency, but not acute. A structured handover period should cover most risk.
FACTORS
- -4 active directors: Broader management team in place — suggests transferable governance.
- +Founder age: Director aged approximately 76 — succession pressure is live.
Succession & seller-readiness
65/100
Strong succession signalMultiple signals suggest succession is on the horizon. Candidate for proactive outreach.
SIGNALS
- primaryFounder aged 70+: Senior director is approximately 76 years old. Natural succession window is now.
- 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.
Shareholders & ownership
1 active beneficial owner| Name | Shares | Voting rights | Nature of control | Notified |
|---|---|---|---|---|
Mr Ramchand Wadhumal Bhavnani Bhavnani Individual · Spanish · DOB 01/1944 · age 82 | 50–75% | 50–75% | board control50-75% shares · 50-75% voting · board control | 29/08/2018 |
1 historic (ceased) PSC
- Mr Anil Bhavnani Ramchandceased 29/08/2018· 75-100% shares · 75-100% 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
Active · Property · W postcode area| Company | Est. value | Turnover | Net worth | Staff | Age | Opp | Director |
|---|---|---|---|---|---|---|---|
| 3 PONT STREET LIMITED→ 06945457 · est 2009 · no financials extracted | — | — | — | — | 16y | — | — |
| 37 KNIGHTSBRIDGE LTD→ 15570213 · est 2024 · no financials extracted | — | — | — | — | 2y | — | — |
| 37 SPENCER ROAD (W3) FREEHOLD LTD→ 15158703 · est 2023 · no financials extracted | — | — | — | — | 2y | — | — |
| 37-41 MORTIMER NOMINEE 2 LTD→ 10179318 · est 2016 · no financials extracted | — | — | — | — | 9y | — | — |
| 38 SALTRAM CRESCENT (LEASEHOLD OWNERS MANAGEMENT COMPANY) LIMITED→ 05003017 · est 2003 · no financials extracted | — | — | — | — | 22y | — | — |
| 38 SCARSDALE VILLAS LIMITED→ 03249326 · est 1996 · no financials extracted | — | — | — | — | 29y | — | — |
| 38-40 GLOUCESTER TERRACE (FREEHOLD) LIMITED→ 10933224 · est 2017 · no financials extracted | — | — | — | — | 8y | — | — |
| 385 KILBURN LIMITED→ 10688575 · est 2017 · no financials extracted | — | — | — | — | 9y | — | — |
| 38GP LDN UK PTE LTD→ 14954213 · est 2023 · no financials extracted | — | — | — | — | 2y | — | — |
| 3A INVESTS LIMITED→ 16377838 · est 2025 · no financials extracted | — | — | — | — | 1y | — | — |
| 3C CORE LTD→ 17050206 · est 2026 · no financials extracted | — | — | — | — | — | — | — |
| 3DEY PROPERTY LIMITED→ 16480695 · est 2025 · no financials extracted | — | — | — | — | — | — | — |
Peers ranked by estimated value, then turnover, then opportunity score.See all →
🔒Tailored diligence questions
8 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
Incorporated2015-05-18
Jurisdictionengland-wales
Primary SIC68209 — Other letting and operating of own or leased real estate
Registered office
Flat 58 Fountain House
Park Street
London
W1K 7HQ
England
Filing status
Accounts
Next due: 2027-02-28
Last made up to: 2025-05-31
Confirmation statement
Next due: 2027-05-13
Last: 2026-04-29
Officers (4 active · 1 resigned)
BHAVNANI THADANI, Smayan Dileep→
Activedirector · ~24y · appointed 2020-02-03
View their other companies + combined net worth →
RAJHWANI NANWANI, Meera Bhavnani→
Activedirector · ~76y · appointed 2018-06-13
View their other companies + combined net worth →
RAMCHAND, Anil Bhavnani→
Activedirector · ~56y · appointed 2015-05-18
View their other companies + combined net worth →
THADANI, Rashmee→
Activedirector · ~53y · appointed 2018-06-13
View their other companies + combined net worth →
HARDCASTLE, Gemma Mary Ella→
Resignedsecretary · appointed 2015-05-18 · resigned 2018-02-19
Click a director name to see their full track record across all companies.
Mortgages & charges
14
Total charges
2
Outstanding
2
Active lenders
Status:Lender:14 of 14 shown
| Type | Properties | |||||
|---|---|---|---|---|---|---|
| outstanding | Barclays Barclays Bank PLC | A registered charge | 1 property | 06/12/2023 | — | |
| outstanding | Bnp Paribas (Suisse) Sa | A registered charge | — | 28/07/2023 | — | |
| satisfied | Union Bancaire Privee, Ubp Sa (Singapore Branch) | A registered charge | — | 23/06/2022 | 13/08/2024 | |
| satisfied | Brown Shipley & Co Brown Shipley & Co Limited | A registered charge | — | 06/05/2020 | 08/07/2024 | |
| satisfied | Brown Shipley & Co Brown Shipley & Co Limited | A registered charge | — | 06/05/2020 | 08/07/2024 | |
| satisfied | Brown Shipley & Co Brown Shipley & Co Limited | A registered charge | 1 property | 06/05/2020 | 08/07/2024 | |
| satisfied | Citibank Europe (Luxembourg Branch) Citibank Europe PLC (Luxembourg Branch) | A registered charge | — | 03/02/2020 | 13/10/2025 | |
| satisfied | Brown Shipley & Co. Brown Shipley & Co. Limited | A registered charge | — | 05/12/2019 | 08/07/2024 | |
| satisfied | Barclays Barclays Bank PLC | A registered charge | 1 property | 30/09/2019 | 15/07/2024 | |
| satisfied | Barclays Barclays Bank PLC | A registered charge | 1 property | 30/09/2019 | 15/07/2024 | |
| satisfied | Barclays Barclays Bank PLC | A registered charge | 1 property | 30/09/2019 | 15/07/2024 | |
| satisfied | Barclays Barclays Bank (Suisse) Sa | A registered charge | — | 12/09/2017 | 31/07/2024 | |
| satisfied | Landid Slough Developments Landid Slough Developments Limited | A registered charge | 1 property | 22/12/2015 | 16/09/2017 | |
| satisfied | Lloyds Banking Group The Royal Bank of Scotland PLC as Security Trustee for the Secured Parties (Security Agent) | A registered charge | 2 properties | 22/12/2015 | 16/09/2017 |
Click column headers to sort. Use filters above to narrow by status and lender.
Recent filings (74 total)
confirmation-statement-with-updates
confirmation-statement · CS01
2026-05-07
change-person-director-company-with-change-date
officers · CH01
2026-04-30
change-to-a-person-with-significant-control
persons-with-significant-control · PSC04
2026-04-30
change-person-director-company-with-change-date
officers · CH01
2026-04-30
accounts-with-accounts-type-total-exemption-full
accounts · AA
2026-02-09
change-to-a-person-with-significant-control
persons-with-significant-control · PSC04
2025-12-22
change-person-director-company-with-change-date
officers · CH01
2025-11-27
mortgage-satisfy-charge-full
mortgage · MR04
2025-10-13
confirmation-statement-with-updates
confirmation-statement · CS01
2025-04-30
accounts-with-accounts-type-total-exemption-full
accounts · AA
2025-02-11
capital-allotment-shares
capital · SH01
2024-12-19
mortgage-satisfy-charge-full
mortgage · MR04
2024-08-13
mortgage-satisfy-charge-full
mortgage · MR04
2024-07-31
mortgage-satisfy-charge-full
mortgage · MR04
2024-07-15
mortgage-satisfy-charge-full
mortgage · MR04
2024-07-15