3NMS PROPERTY LTD
Opportunity 74/100 (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. 3 distinct lenders creates friction — refinance into single-lender structure for cleaner diligence. Most likely exit: share sale to pe / searcher (58/100).
Refinance opportunity
4 live charges · 3 lenders · oldest 4.8y
Refinance path is blocked by complexity. Rethink structure or expect bespoke, expensive terms.
- · Charge age ~4.8 years — mid-life; refi window approaching.
- · 3 lenders named — inter-creditor friction likely.
- · Legal-friction score 25/100 — workable, but lender will want more DD.
Data confidence
Overall: high (81/100)Strong data coverage across all sections. AI outputs should be trusted with minimal caveats.
Sector-multiple EBITDA, turnover, and NAV-proxy valuation range with confidence tier — derived from extracted iXBRL financials.
Available from the Pro tier upwards.
See pricing →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 | 2025-02-28 | 2024-02-28 |
|---|---|---|
| Total assets | £376.9k | £376.9k |
| Current assets | £9.9k | £9.9k |
| Net assets | £4.6k | £4.6k |
Amounts extracted automatically from iXBRL. Fields left blank were not reported or not mapped. Values in GBP unless stated.
Recent activity
- • 1 confirmation-statement
- • 1 confirmation-statement
- • 1 accounts
Corporate timeline (16 events)Click to expand
- 2025-11-28📄accounts-with-accounts-type-micro-entityaccounts · AA
- 2025-02-28📄accounts-with-accounts-type-micro-entityaccounts · AA
- 2024-02-29📄accounts-with-accounts-type-micro-entityaccounts · AA
- 2023-02-14📄accounts-with-accounts-type-micro-entityaccounts · AA
- 2022-12-16📄mortgage-create-with-deed-with-charge-number-charge-creation-datemortgage · MR01
- 2022-12-13🔒Charge registered #4Lender: The Mortgage Works (UK) PLC
- 2021-10-21📄mortgage-create-with-deed-with-charge-number-charge-creation-datemortgage · MR01
- 2021-10-01🔒Charge registered #3Lender: Pepper Money Limited
- 2021-09-28📄mortgage-create-with-deed-with-charge-number-charge-creation-datemortgage · MR01
- 2021-09-22🔒Charge registered #2Lender: The Mortgage Works (UK) PLC
- 2021-07-23📄mortgage-create-with-deed-with-charge-number-charge-creation-datemortgage · MR01
- 2021-07-23🔒Charge registered #1Lender: Saffron Building Society and Its Successors,Transferees and Assigns
- 2021-02-15🏢Company incorporatedAs 3NMS PROPERTY LTD
- 2021-02-15➕JOSE, Manu appointeddirector
- 2021-02-15➕MATHEW, Shainy appointeddirector
- 2021-02-15📄incorporation-companyincorporation · NEWINC
Owner dependency
Material founder dependency. Consider a 2-3 year earn-out and build in a handover plan before completion.
- +Two-director setup: Only two active directors — typical of owner-managed SMEs but limits succession.
- +No director turnover: Company is 5 years old with no director changes — suggests a very tight-knit founder team never broadened.
Succession & seller-readiness
Limited succession signal. Not a near-term off-market candidate.
- secondaryTwo-director governance: Small-team governance. Succession depth is thin but not absent.
Red flags
cleanShareholders & ownership
2 active beneficial owners| Name | Shares | Voting rights | Nature of control | Notified |
|---|---|---|---|---|
Mr Manu Jose Individual · Indian · DOB 05/1975 · age 51 | 25–50% | 25–50% | board control25-50% shares · 25-50% voting · board control | 15/02/2021 |
Mrs Shainy Mathew Individual · British · DOB 01/1975 · age 51 | 25–50% | 25–50% | board control25-50% shares · 25-50% voting · board control | 15/02/2021 |
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 | |||||
|---|---|---|---|---|---|---|
| outstanding | The Mortgage Works (UK) The Mortgage Works (UK) PLC | A registered charge | 1 property | 13/12/2022 | — | |
| outstanding | Pepper Money Pepper Money Limited | A registered charge | 2 properties | 01/10/2021 | — | |
| outstanding | The Mortgage Works (UK) The Mortgage Works (UK) PLC | A registered charge | 1 property | 22/09/2021 | — | |
| outstanding | Saffron Building Society and Its Successors,Transferees and Assigns | A registered charge | 1 property | 23/07/2021 | — |