3PAY COLLECTIONS LTD
- 70229Management consultancy activities other than financial management
Opportunity 72/100 (strong), bankability 70/100. 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.
Solid opportunity signal. Worth a dedicated memo and management meeting.
Key financials
2 years extracted from filed iXBRL accountsHover to see exact values · click legend to toggle series
Financials
Extracted from Companies House accounts · FRS 102| Metric | 2025-02-21 | 2024-02-21 |
|---|
Amounts extracted automatically from iXBRL. Fields left blank were not reported or not mapped. Values in GBP unless stated.
Recent activity
- • 2 confirmation-statement
- • 2 confirmation-statement
Corporate timeline (13 events)Click to expand
- 2025-09-11✏️certificate-change-of-name-companychange-of-name · CERTNM
- 2025-07-24📄accounts-with-accounts-type-dormantaccounts · AA
- 2024-09-12📄accounts-with-accounts-type-dormantaccounts · AA
- 2023-09-18📄accounts-with-accounts-type-dormantaccounts · AA
- 2023-01-04📄change-to-a-person-with-significant-controlpersons-with-significant-control · PSC04
- 2023-01-04📄change-person-director-company-with-change-dateofficers · CH01
- 2022-12-09✏️certificate-change-of-name-companychange-of-name · CERTNM
- 2022-11-30📍change-registered-office-address-company-with-date-old-address-new-addressaddress · AD01
- 2022-02-15📄change-to-a-person-with-significant-controlpersons-with-significant-control · PSC04
- 2022-02-15📍change-registered-office-address-company-with-date-old-address-new-addressaddress · AD01
- 2022-02-02🏢Company incorporatedAs 3PAY COLLECTIONS LTD
- 2022-02-02➕MURRAY, Peter John appointeddirector
- 2022-02-02📄incorporation-companyincorporation · NEWINC
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 60 — 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 60. Early succession window.
- primarySole active director: Only one director in control. No visible successor — buyers solve the succession problem.
Red flags
1 med ·Name changes can be benign (rebrand) but can also precede distress, phoenix activity, or buyer concealment.
Evidence: 2025-09-11: certificate-change-of-name-company
Shareholders & ownership
1 active beneficial owner · dominant holder ≥75%| Name | Shares | Voting rights | Nature of control | Notified |
|---|---|---|---|---|
Mr Peter John Murray Individual · British · DOB 04/1966 · age 60 | 75–100% | 75–100% | board control75-100% shares · 75-100% voting · board control | 02/02/2022 |
From Companies House Persons with Significant Control filings. Share ranges are banded per the public PSC regime.
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8 specific questions generated from this company's actual signals — liquidity, leverage, director age, charge count, red flags, age-of-company.
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Registered office
Filing status
Officers (1 active · 0 resigned)
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