3PAY LTD

💤Zombieactive
12464467 · ltd · incorporated 2020-02-14
Investment thesis
Zombie company — trading but stalled; unlikely mover.
Why interesting: Quiet, steady; could be a succession or carve-out candidate with the right conversation.
Why risky: No growth signal; thin margin for error on price.
🔒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. 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 (73/100).

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
75
Lenders & charges
Confirmed no charges registered
85
Directors & officers
2 officers (1 active, 2 linked, 2 with DOB)
90
Ownership & PSC
1 active PSC(s) of 1 total, 1 with control declared
90
Director network
10 connected companies via shared directors
75
Filing history
25 filings on record
85
Gazette notices
No matching gazette notices (standard for active companies)
60
Opportunity Score
76/100Strong
PassWatchWorth a lookStrongExceptional 

Solid opportunity signal. Worth a dedicated memo and management meeting.

Business quality
65
Adequate — check latest filings for context.
Acquirability
70
Strong succession / seller-readiness signals.
Risk profile
85
Few red flags.
Signal strength
90
Good data coverage for analysis.

Key financials

2 years extracted from filed iXBRL accounts
Cash
—
Net Worth
—
Current Assets
—
Current Liabilities
—
£0£0£0£0£0£0Dec 2023Dec 2024

Hover to see exact values · click legend to toggle series

Financials

Extracted from Companies House accounts · accounting standard unknown
Metric2024-12-312023-12-31
Average employees100100

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

Recent activity

Last 30 days
0
filings
Last 90 days
0
filings
Last 180 days
1
filing
  • • 1 confirmation-statement
Counts from Companies House filing history.
Corporate timeline (23 events)Click to expand
  1. 2025-09-30
    📄
    accounts-with-accounts-type-micro-entity
    accounts · AA
  2. 2024-09-29
    📄
    accounts-with-accounts-type-micro-entity
    accounts · AA
  3. 2024-06-03
    📍
    change-registered-office-address-company-with-date-old-address-new-address
    address · AD01
  4. 2023-09-30
    📄
    accounts-with-accounts-type-micro-entity
    accounts · AA
  5. 2023-02-09
    ✏️
    certificate-change-of-name-company
    change-of-name · CERTNM
  6. 2022-11-30
    📍
    change-registered-office-address-company-with-date-old-address-new-address
    address · AD01
  7. 2022-09-30
    📄
    accounts-with-accounts-type-micro-entity
    accounts · AA
  8. 2022-09-08
    ➖
    SMITH, Robert Dene resigned
    director
  9. 2022-09-08
    📄
    termination-director-company-with-name-termination-date
    officers · TM01
  10. 2021-09-28
    📄
    accounts-with-accounts-type-micro-entity
    accounts · AA
  11. 2021-06-07
    📄
    appoint-person-director-company-with-name-date
    officers · AP01
  12. 2021-06-01
    ➕
    SMITH, Robert Dene appointed
    director
  13. 2020-09-03
    📄
    resolution
    resolution · RESOLUTIONS
  14. 2020-08-12
    📄
    resolution
    resolution · RESOLUTIONS
  15. 2020-07-06
    📄
    change-to-a-person-with-significant-control
    persons-with-significant-control · PSC04
  16. 2020-07-06
    📄
    change-person-director-company-with-change-date
    officers · CH01
  17. 2020-05-11
    📍
    change-registered-office-address-company-with-date-old-address-new-address
    address · AD01
  18. 2020-03-31
    📄
    change-account-reference-date-company-current-extended
    accounts · AA01
  19. 2020-03-30
    📄
    change-account-reference-date-company-current-shortened
    accounts · AA01
  20. 2020-03-03
    📄
    resolution
    resolution · RESOLUTIONS
  21. 2020-02-14
    🏢
    Company incorporated
    As 3PAY LTD
  22. 2020-02-14
    ➕
    MURRAY, Peter John appointed
    director
  23. 2020-02-14
    📄
    incorporation-company
    incorporation · NEWINC

Owner dependency

83/100
Critical — business is the founder

The business appears inseparable from the founder. Acquisition without a serious earn-out or meaningful transition period would likely destroy value.

FACTORS
  • +Sole director: Only one active director — all governance concentrated on one person.
  • +Senior director age: Director aged approximately 60 — approaching natural succession window.

Succession & seller-readiness

55/100
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.
  • primarySole active director: Only one director in control. No visible successor — buyers solve the succession problem.

Red flags

clean
No red flags detected from available public data. (This is not a clean bill of health — detailed accounts review still recommended.)

Shareholders & ownership

1 active beneficial owner · dominant holder ≥75%
NameSharesVoting rightsNature of controlNotified
Mr Peter John Murray
Individual · British · DOB 04/1966 · age 60
75–100%
75–100%board control75-100% shares · 75-100% voting · board control14/02/2020

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 →

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Peers ranked by estimated value, then turnover, then opportunity score.See all →
🔒Tailored diligence questions

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 →
🔒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
Incorporated2020-02-14
Jurisdictionengland-wales
Primary SIC96090 — Other service activities n.e.c.

Registered office

78 York Street
London
W1H 1DP
England

Filing status

Accounts
Next due: 2026-09-30
Last made up to: 2024-12-31
Confirmation statement
Next due: 2027-02-27
Last: 2026-02-13

Officers (1 active · 1 resigned)

MURRAY, Peter John→
director · ~60y · appointed 2020-02-14
View their other companies + combined net worth →
Active
SMITH, Robert Dene→
director · ~57y · appointed 2021-06-01 · resigned 2022-09-08
Resigned

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

Recent filings (25 total)

confirmation-statement-with-no-updates
confirmation-statement · CS01
2026-02-20
accounts-with-accounts-type-micro-entity
accounts · AA
2025-09-30
confirmation-statement-with-no-updates
confirmation-statement · CS01
2025-04-22
accounts-with-accounts-type-micro-entity
accounts · AA
2024-09-29
change-registered-office-address-company-with-date-old-address-new-address
address · AD01
2024-06-03
confirmation-statement-with-no-updates
confirmation-statement · CS01
2024-02-22
accounts-with-accounts-type-micro-entity
accounts · AA
2023-09-30
confirmation-statement-with-no-updates
confirmation-statement · CS01
2023-03-03
certificate-change-of-name-company
change-of-name · CERTNM
2023-02-09
change-registered-office-address-company-with-date-old-address-new-address
address · AD01
2022-11-30
accounts-with-accounts-type-micro-entity
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
2022-02-25
accounts-with-accounts-type-micro-entity
accounts · AA
2021-09-28
appoint-person-director-company-with-name-date
officers · AP01
2021-06-07