3C COMMERCIAL LTD
Opportunity 74/100 (strong), bankability 85/100. High owner-dependency — earn-out structure likely required for clean transition. Share purchase looks the cleaner deal structure. Biggest value-creation lever: Broaden director team. Sole director creates succession risk and reduces buyer comfort. Appoint a second director or strong #2. Most likely exit: share sale to pe / searcher (58/100).
Refinance opportunity
2 live charges · oldest 9.5y
Refinance would be pressure-driven, not opportunity-driven. Expect tighter margins and covenant scrutiny.
- · Oldest live charge is 9.5 years old — likely at or near maturity.
- · Single lender — cleanest path to refinance.
- · Distress signals active — lender appetite narrows.
Data confidence
Overall: medium (79/100)Adequate coverage. AI outputs are reliable for the sections scored high; verify the rest in diligence.
Solid opportunity signal. Worth a dedicated memo and management meeting.
Signals from accounts
Derived from iXBRL accounts · accounting standard not declaredKey financials
2 years extracted from filed iXBRL accountsHover to see exact values · click legend to toggle series
Financials
Extracted from Companies House accounts · accounting standard unknown| Metric | 2025-09-30 | 2024-09-30 |
|---|---|---|
| Total assets | £2.78M | £2.76M |
| Current assets | £389.7k | £466.0k |
| Cash | £105.6k | £25.3k |
| Debtors | £284.1k | £440.6k |
| Net assets | £2.53M | £2.43M |
Amounts extracted automatically from iXBRL. Fields left blank were not reported or not mapped. Values in GBP unless stated.
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
- • 1 accounts
- • 1 accounts
- • 1 accounts
Corporate timeline (24 events)Click to expand
- 2026-05-05📄accounts-with-accounts-type-total-exemption-fullaccounts · AA
- 2025-06-23📄accounts-with-accounts-type-total-exemption-fullaccounts · AA
- 2024-01-02📄accounts-with-accounts-type-total-exemption-fullaccounts · AA
- 2023-10-12📄mortgage-satisfy-charge-fullmortgage · MR04
- 2023-10-12🔓Charge satisfied #1
- 2023-05-17📄accounts-with-accounts-type-total-exemption-fullaccounts · AA
- 2022-08-02📄accounts-with-accounts-type-total-exemption-fullaccounts · AA
- 2021-06-04📄change-to-a-person-with-significant-controlpersons-with-significant-control · PSC04
- 2021-06-04📍change-registered-office-address-company-with-date-old-address-new-addressaddress · AD01
- 2021-06-04📄change-person-director-company-with-change-dateofficers · CH01
- 2021-06-04📄change-person-secretary-company-with-change-dateofficers · CH03
- 2021-04-23📄accounts-with-accounts-type-total-exemption-fullaccounts · AA
- 2021-01-04📄mortgage-satisfy-charge-fullmortgage · MR04
- 2021-01-04🔓Charge satisfied #2
- 2020-08-20📄change-account-reference-date-company-current-extendedaccounts · AA01
- 2020-03-30📄accounts-with-accounts-type-total-exemption-fullaccounts · AA
- 2019-03-29📄accounts-with-accounts-type-total-exemption-fullaccounts · AA
- 2018-03-23📄accounts-with-accounts-type-total-exemption-fullaccounts · AA
- 2017-06-26📄notification-of-a-person-with-significant-controlpersons-with-significant-control · PSC01
- 2016-11-18🔒Charge registered #2Lender: Lloyds Bank PLC
- 2016-11-01🔒Charge registered #1Lender: Lloyds Bank PLC
- 2015-06-23🏢Company incorporatedAs 3C COMMERCIAL LTD
- 2015-06-23➕CLAY, Jill appointedsecretary
- 2015-06-23➕CLAY, David Andrew appointeddirector
Owner dependency
The business appears inseparable from the founder. Acquisition without a serious earn-out or meaningful transition period would likely destroy value.
- +Sole director: Only one active director — all governance concentrated on one person.
- +No director turnover: Company is 11 years old with no director changes — suggests a very tight-knit founder team never broadened.
Succession & seller-readiness
Some succession indicators present. Worth watching; approach if sector/strategy fits.
- primarySole active director: Only one director in control. No visible successor — buyers solve the succession problem.
- supportingClean filings + long tenure: Disciplined long-tenure operator — classic lifestyle-business pattern that often sells quietly.
Red flags
cleanShareholders & ownership
1 active beneficial owner · dominant holder ≥75%| Name | Shares | Voting rights | Nature of control | Notified |
|---|---|---|---|---|
Mr David Andrew Clay Individual · British · DOB 01/1969 · age 57 | 75–100% | — | 75-100% shares | 06/04/2016 |
From Companies House Persons with Significant Control filings. Share ranges are banded per the public PSC regime.
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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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 →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
Registered office
Filing status
Officers (2 active · 0 resigned)
Click a director name to see their full track record across all companies.
Mortgages & charges
| Type | Properties | |||||
|---|---|---|---|---|---|---|
| satisfied | Lloyds Banking Group Lloyds Bank PLC | A registered charge | 1 property | 18/11/2016 | 04/01/2021 | |
| satisfied | Lloyds Banking Group Lloyds Bank PLC | A registered charge | 1 property | 01/11/2016 | 12/10/2023 |