3FACTORHOLDINGS UK BIDCO LIMITED
Opportunity 62/100 (worth a look), bankability 65/100. High owner-dependency — earn-out structure likely required for clean transition. Share purchase looks the cleaner deal structure. Biggest value-creation lever: File overdue accounts. Clears statutory overdue flag — immediate bankability uplift for refinance conversations. Most likely exit: share sale to pe / searcher (53/100). Current lenders should be on monthly review.
Refinance opportunity
2 live charges · 2 lenders · oldest 5.3y
Refinance would be pressure-driven, not opportunity-driven. Expect tighter margins and covenant scrutiny.
- · Oldest live charge is 5.3 years old — likely at or near maturity.
- · Two lenders — manageable, but coordination required.
- · Distress signals active — lender appetite narrows.
Data confidence
Overall: medium (60/100)Adequate coverage. AI outputs are reliable for the sections scored high; verify the rest in diligence.
Mixed signal. Worth opening the full target workup before deciding to pursue.
Recent activity
- • 1 gazette
- • 1 dissolution
- • 2 capital
- • 1 gazette
- • 1 dissolution
- • 2 capital
- • 1 gazette
- • 1 dissolution
Corporate timeline (34 events)Click to expand
- 2026-06-02📄gazette-notice-voluntarygazette · GAZ1(A)
- 2026-05-20📄dissolution-application-strike-off-companydissolution · DS01
- 2026-04-23📄capital-statement-capital-company-with-date-currency-figurecapital · SH19
- 2026-04-23📄legacycapital · SH20
- 2026-04-23⚠️legacyinsolvency · CAP-SS
- 2026-04-23📄resolutionresolution · RESOLUTIONS
- 2026-03-14📄legacymiscellaneous · RP01SH01
- 2025-11-05📄legacycapital · SH20
- 2025-11-05📄capital-statement-capital-company-with-date-currency-figurecapital · SH19
- 2025-11-05⚠️legacyinsolvency · CAP-SS
- 2025-11-05📄resolutionresolution · RESOLUTIONS
- 2025-08-11📄mortgage-satisfy-charge-fullmortgage · MR04
- 2025-08-11🔓Charge satisfied #2
- 2025-06-23📄capital-allotment-sharescapital · SH01
- 2025-06-02📄mortgage-create-with-deed-with-charge-number-charge-creation-datemortgage · MR01
- 2025-05-30🔒Charge registered #2Lender: Golub Capital Markets Llc
- 2025-05-23📄termination-director-company-with-name-termination-dateofficers · TM01
- 2025-03-01➖WINSTON, Frederick Crosby resigneddirector
- 2024-11-11📄accounts-with-accounts-type-audit-exemption-subsiduaryaccounts · AA
- 2024-11-11📄legacyother · AGREEMENT2
- 2024-10-15📄legacyaccounts · PARENT_ACC
- 2024-10-15📄legacyother · GUARANTEE2
- 2024-06-25📍change-registered-office-address-company-with-date-old-address-new-addressaddress · AD01
- 2024-03-04📍change-registered-office-address-company-with-date-old-address-new-addressaddress · AD01
- 2023-10-23📄accounts-with-accounts-type-audit-exemption-subsiduaryaccounts · AA
- 2022-11-21🔓Charge satisfied #1
- 2021-12-31➕EVANS, Mark Stephen appointeddirector
- 2021-12-31➖FILIPOVIC, Adnan resigneddirector
- 2021-12-31➖STURGIS, JR., William Alfred resigneddirector
- 2021-12-31➕WINSTON, Frederick Crosby appointeddirector
- 2021-01-29🔒Charge registered #1Lender: Pnc Bank, National Association as Security Agent
- 2020-12-18🏢Company incorporatedAs 3FACTORHOLDINGS UK BIDCO LIMITED
- 2020-12-18➕FILIPOVIC, Adnan appointeddirector
- 2020-12-18➕STURGIS, JR., William Alfred 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.
- +Senior director age: Director aged approximately 62 — approaching natural succession window.
Succession & seller-readiness
Multiple signals suggest succession is on the horizon. Candidate for proactive outreach.
- secondaryFounder aged 58+: Senior director is approximately 62. Early succession window.
- primarySole active director: Only one director in control. No visible successor — buyers solve the succession problem.
Red flags
2 high ·Statutory accounts have not been filed by their due date. Can indicate admin breakdown, cash preservation, or deliberate delay.
Evidence: Next due: 2025-12-31
Filings relating to insolvency, liquidation, or administration exist in the company's history. Review before proceeding.
Evidence: 2026-04-23: legacy; 2025-11-05: legacy
Group structure
3factorholdings Uk Topco Limited is the ultimate parent — holding 75%+ shares. This company sits inside their group.
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 |
|---|---|---|---|---|
3factorholdings Uk Topco Limited Corporate entity | 75–100% | 75–100% | board control75-100% shares · 75-100% voting · board control | 18/12/2020 |
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.
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10 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 (1 active · 3 resigned)
Click a director name to see their full track record across all companies.
Mortgages & charges
| Type | Properties | |||||
|---|---|---|---|---|---|---|
| satisfied | Golub Capital Markets Golub Capital Markets Llc | A registered charge | — | 30/05/2025 | 11/08/2025 | |
| satisfied | Pnc Bank, National Association as Security Agent | A registered charge | 1 property | 29/01/2021 | 21/11/2022 |