3VG PROPERTIES LIMITED
🏛️Establishedactive
11437510 · ltd · incorporated 2018-06-28
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.
🔒Estimated value
—
Upgrade to see
Turnover
—
year to Jun 2025
Net worth
—
book net assets
Opportunity
67/100
Strong
What this business does
Primary activity: Buying and selling of own real estate
Sector: Real estate
ALSO REGISTERED FOR
- 68209Other letting and operating of own or leased real estate
Investor take
PursueProperty-backed borrower. Reasonable fundamentals — worth a memo before deciding.
Opportunity 67/100 (strong), bankability 57/100. High owner-dependency — earn-out structure likely required for clean transition. Share purchase looks the cleaner deal structure. Biggest value-creation lever: Consolidate lender relationships. 6 distinct lenders creates friction — refinance into single-lender structure for cleaner diligence. Most likely exit: share sale to pe / searcher (58/100).
🏦
Refinance opportunity
18 live charges · 6 lenders · oldest 7.3y
35/100
too messy
Refinance path is blocked by complexity. Rethink structure or expect bespoke, expensive terms.
- · Oldest live charge is 7.3 years old — likely at or near maturity.
- · 6 lenders named — inter-creditor friction likely.
- · Legal-friction score 40/100 — workable, but lender will want more DD.
Data confidence
Overall: high (80/100)Strong data coverage across all sections. AI outputs should be trusted with minimal caveats.
Company profile
address, 2 SIC codes, incorporation date
100
Financials
2 years of iXBRL accounts extracted (YoY deltas available) + narrative notes parsed
75
Lenders & charges
18 charges (18/18 with lender, 18/18 with type)
90
Directors & officers
2 officers (2 active, 2 linked, 2 with DOB)
90
Ownership & PSC
2 active PSC(s) of 2 total, 2 with control declared
90
Director network
2 connected companies via shared directors
51
Filing history
37 filings on record
85
Gazette notices
No matching gazette notices (standard for active companies)
60
Opportunity Score
67/100Strong
PassWatchWorth a lookStrongExceptional
Solid opportunity signal. Worth a dedicated memo and management meeting.
Business quality
55
Adequate — check latest filings for context.
Acquirability
55
Some acquirability indicators.
Risk profile
74
Few red flags.
Signal strength
100
Good data coverage for analysis.
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 | 2025-06-30 | 2024-06-30 |
|---|---|---|
| Average employees | 0 | 0 |
Amounts extracted automatically from iXBRL. Fields left blank were not reported or not mapped. Values in GBP unless stated.
🔒Filing-note intelligence
2 signals 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
3
filings
- • 2 mortgage
- • 1 accounts
Last 180 days
4
filings
- • 3 mortgage
- • 1 accounts
Counts from Companies House filing history.
Corporate timeline (42 events)Click to expand
- 2026-04-28📄mortgage-create-with-deed-with-charge-number-charge-creation-datemortgage · MR01
- 2026-04-23🔒Charge registered #18Lender: Fleet Mortgages Limited
- 2026-03-31📄accounts-with-accounts-type-unaudited-abridgedaccounts · AA
- 2026-03-16📄mortgage-satisfy-charge-fullmortgage · MR04
- 2026-03-16🔓Charge satisfied #2
- 2026-02-13📄mortgage-create-with-deed-with-charge-number-charge-creation-datemortgage · MR01
- 2026-02-12🔒Charge registered #17Lender: Fleet Mortgages Limited
- 2025-11-14📄mortgage-create-with-deed-with-charge-number-charge-creation-datemortgage · MR01
- 2025-11-14🔒Charge registered #16Lender: Paragon Bank PLC
- 2025-04-22📄accounts-with-accounts-type-unaudited-abridgedaccounts · AA
- 2024-06-13📄mortgage-create-with-deed-with-charge-number-charge-creation-datemortgage · MR01
- 2024-06-13📄mortgage-create-with-deed-with-charge-number-charge-creation-datemortgage · MR01
- 2024-06-13📄mortgage-create-with-deed-with-charge-number-charge-creation-datemortgage · MR01
- 2024-06-05🔒Charge registered #14Lender: Together Commercial Finance Limited
- 2024-06-04📄mortgage-create-with-deed-with-charge-number-charge-creation-datemortgage · MR01
- 2024-06-04🔒Charge registered #15Lender: Together Commercial Finance Limited
- 2024-06-04🔒Charge registered #13Lender: Together Commercial Finance Limited
- 2024-05-22🔒Charge registered #12Lender: Together Commercial Finance Limited
- 2024-03-27📄accounts-with-accounts-type-unaudited-abridgedaccounts · AA
- 2023-11-13📄mortgage-create-with-deed-with-charge-number-charge-creation-datemortgage · MR01
- 2023-11-13📄mortgage-create-with-deed-with-charge-number-charge-creation-datemortgage · MR01
- 2023-11-10🔒Charge registered #11Lender: Aldermore Bank PLC
- 2023-11-10🔒Charge registered #10Lender: Aldermore Bank PLC
- 2023-06-27📄accounts-with-accounts-type-total-exemption-fullaccounts · AA
- 2022-03-14📄accounts-with-accounts-type-total-exemption-fullaccounts · AA
- 2022-03-14📄mortgage-create-with-deed-with-charge-number-charge-creation-datemortgage · MR01
- 2022-03-09🔒Charge registered #9Lender: Together Commercial Finance Limited
- 2021-11-10📄mortgage-create-with-deed-with-charge-number-charge-creation-datemortgage · MR01
- 2021-11-10📄mortgage-create-with-deed-with-charge-number-charge-creation-datemortgage · MR01
- 2021-11-04🔒Charge registered #8Lender: Together Commercial Finance Limited
- 2021-11-04🔒Charge registered #7Lender: Together Commercial Finance Limited
- 2021-10-08📄mortgage-create-with-deed-with-charge-number-charge-creation-datemortgage · MR01
- 2021-10-01🔒Charge registered #6Lender: The Mortgage Works (UK) PLC
- 2021-04-29📄mortgage-create-with-deed-with-charge-number-charge-creation-datemortgage · MR01
- 2021-04-26🔒Charge registered #5Lender: The Mortgage Works (UK) PLC
- 2020-12-21🔒Charge registered #4Lender: Together Commercial Finance Limited
- 2020-12-21🔒Charge registered #3Lender: Together Commercial Finance Limited
- 2019-09-27🔒Charge registered #2Lender: Paragon Bank PLC
- 2019-02-07🔒Charge registered #1Lender: Kensington Mortgage Company Limited
- 2018-07-24➕GIRIDHARAN, Vidya appointeddirector
- 2018-06-28🏢Company incorporatedAs 3VG PROPERTIES LIMITED
- 2018-06-28➕PILLAPAKKAM NATTU, Giridharan appointeddirector
Owner dependency
63/100
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.
- +No director turnover: Company is 8 years old with no director changes — suggests a very tight-knit founder team never broadened.
Succession & seller-readiness
36/100
Weak signalLimited succession signal. Not a near-term off-market candidate.
SIGNALS
- secondaryTwo-director governance: Small-team governance. Succession depth is thin but not absent.
Red flags
1 med · 1 low3 new charges in last 12 months
mediumHeavy recent charge activity can indicate refinancing pressure, aggressive leverage, or multiple lender rotation.
Evidence: 2026-04-23: A registered charge; 2026-02-12: A registered charge; 2025-11-14: A registered charge
17 live charges
lowHeavily leveraged with multiple live security positions — understand the capital structure before proceeding.
Shareholders & ownership
2 active beneficial owners| Name | Shares | Voting rights | Nature of control | Notified |
|---|---|---|---|---|
Mrs Vidya Giridharan Individual · British · DOB 10/1982 · age 44 | 25–50% | — | 25-50% shares | 28/06/2018 |
Mr Giridharan Pillapakkam Nattu Individual · British · DOB 09/1981 · age 45 | 25–50% | — | 25-50% shares | 28/06/2018 |
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 · CF postcode area| Company | Est. value | Turnover | Net worth | Staff | Age | Opp | Director |
|---|---|---|---|---|---|---|---|
| 2341CHURCH LIMITED→ 14116105 · est 2022 · no financials extracted | — | — | — | — | 3y | — | — |
| 26 CONWAY ROAD MANAGEMENT COMPANY LTD→ 11725543 · est 2018 · no financials extracted | — | — | — | — | 7y | — | — |
| 26TH APRIL (UK) LIMITED→ 03783950 · est 1999 · no financials extracted | — | — | — | — | 26y | — | — |
| 3 PEN CEI LIMITED→ 12491555 · est 2020 · no financials extracted | — | — | — | — | 6y | — | — |
| 3 TROJANS DEVELOPMENTS LTD→ 15057191 · est 2023 · no financials extracted | — | — | — | — | 2y | — | — |
| 327 INVESTMENTS LTD→ 08250612 · est 2012 · no financials extracted | — | — | — | — | 13y | — | — |
| 39SMC LTD→ 15245657 · est 2023 · no financials extracted | — | — | — | — | 2y | — | — |
| 3DE PROPERTY LTD→ 14998343 · est 2023 · no financials extracted | — | — | — | — | 2y | — | — |
| 3EA LTD→ 11483640 · est 2018 · no financials extracted | — | — | — | — | 7y | — | — |
| 3W PROPERTIES LIMITED→ 16638946 · est 2025 · no financials extracted | — | — | — | — | — | — | — |
| 4 HOME DEVELOPMENTS LIMITED→ 16323568 · est 2025 · no financials extracted | — | — | — | — | 1y | — | — |
| 4 PARK ROAD (PENARTH) MANAGEMENT COMPANY LIMITED→ 01812070 · est 1984 · no financials extracted | — | — | — | — | 41y | — | — |
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
Incorporated2018-06-28
Jurisdictionengland-wales
Primary SIC68100 — Buying and selling of own real estate
Registered office
42 Dan -Y-Bryn Avenue
Radyr
Cardiff
CF15 8DD
Wales
Filing status
Accounts
Next due: 2027-03-31
Last made up to: 2025-06-30
Confirmation statement
Next due: 2026-07-25
Last: 2025-07-11
Officers (2 active · 0 resigned)
GIRIDHARAN, Vidya→
Activedirector · ~44y · appointed 2018-07-24
View their other companies + combined net worth →
PILLAPAKKAM NATTU, Giridharan→
Activedirector · ~45y · appointed 2018-06-28
View their other companies + combined net worth →
Click a director name to see their full track record across all companies.
Mortgages & charges
18
Total charges
17
Outstanding
6
Active lenders
Status:Lender:18 of 18 shown
| Type | Properties | |||||
|---|---|---|---|---|---|---|
| outstanding | Fleet Mortgages Fleet Mortgages Limited | A registered charge | 1 property | 23/04/2026 | — | |
| outstanding | Fleet Mortgages Fleet Mortgages Limited | A registered charge | 1 property | 12/02/2026 | — | |
| outstanding | Paragon Paragon Bank PLC | A registered charge | 1 property | 14/11/2025 | — | |
| outstanding | Together Money Together Commercial Finance Limited | A registered charge | 1 property | 05/06/2024 | — | |
| outstanding | Together Money Together Commercial Finance Limited | A registered charge | 1 property | 04/06/2024 | — | |
| outstanding | Together Money Together Commercial Finance Limited | A registered charge | 1 property | 04/06/2024 | — | |
| outstanding | Together Money Together Commercial Finance Limited | A registered charge | 1 property | 22/05/2024 | — | |
| outstanding | Aldermore Aldermore Bank PLC | A registered charge | 1 property | 10/11/2023 | — | |
| outstanding | Aldermore Aldermore Bank PLC | A registered charge | 1 property | 10/11/2023 | — | |
| outstanding | Together Money Together Commercial Finance Limited | A registered charge | 1 property | 09/03/2022 | — | |
| outstanding | Together Money Together Commercial Finance Limited | A registered charge | 1 property | 04/11/2021 | — | |
| outstanding | Together Money Together Commercial Finance Limited | A registered charge | 1 property | 04/11/2021 | — | |
| outstanding | The Mortgage Works (UK) The Mortgage Works (UK) PLC | A registered charge | 1 property | 01/10/2021 | — | |
| outstanding | The Mortgage Works (UK) The Mortgage Works (UK) PLC | A registered charge | 1 property | 26/04/2021 | — | |
| outstanding | Together Money Together Commercial Finance Limited | A registered charge | 1 property | 21/12/2020 | — | |
| outstanding | Together Money Together Commercial Finance Limited | A registered charge | 1 property | 21/12/2020 | — | |
| satisfied | Paragon Paragon Bank PLC | A registered charge | 1 property | 27/09/2019 | 16/03/2026 | |
| outstanding | Kensington Mortgage Company Kensington Mortgage Company Limited | A registered charge | 1 property | 07/02/2019 | — |
Click column headers to sort. Use filters above to narrow by status and lender.
Recent filings (37 total)
mortgage-create-with-deed-with-charge-number-charge-creation-date
mortgage · MR01
2026-04-28
accounts-with-accounts-type-unaudited-abridged
accounts · AA
2026-03-31
mortgage-satisfy-charge-full
mortgage · MR04
2026-03-16
mortgage-create-with-deed-with-charge-number-charge-creation-date
mortgage · MR01
2026-02-13
mortgage-create-with-deed-with-charge-number-charge-creation-date
mortgage · MR01
2025-11-14
confirmation-statement-with-updates
confirmation-statement · CS01
2025-07-18
accounts-with-accounts-type-unaudited-abridged
accounts · AA
2025-04-22
confirmation-statement-with-updates
confirmation-statement · CS01
2024-07-12
mortgage-create-with-deed-with-charge-number-charge-creation-date
mortgage · MR01
2024-06-13
mortgage-create-with-deed-with-charge-number-charge-creation-date
mortgage · MR01
2024-06-13
mortgage-create-with-deed-with-charge-number-charge-creation-date
mortgage · MR01
2024-06-13
mortgage-create-with-deed-with-charge-number-charge-creation-date
mortgage · MR01
2024-06-04
accounts-with-accounts-type-unaudited-abridged
accounts · AA
2024-03-27
mortgage-create-with-deed-with-charge-number-charge-creation-date
mortgage · MR01
2023-11-13
mortgage-create-with-deed-with-charge-number-charge-creation-date
mortgage · MR01
2023-11-13