3FL LIMITED
🌿Early-stageactive
13934592 · ltd · incorporated 2022-02-23
Investment thesis
Property vehicle with a workable charge structure — clean refinance potential.
Why interesting: Asset-backed; value largely in underlying property; lender engagement likely possible.
Why risky: Dependent on title and valuation due diligence; standard property risks.
Opportunity decay
approaching window · 12-months
Approaching a transaction window — refinance or sale event plausible in the next 12 months.
- · Oldest live charge 3.1y old — refinance window within 12 months
🔒Estimated value
—
Upgrade to see
Turnover
—
year to Feb 2025
Net worth
£2.0k
book net assets
Opportunity
71/100
Strong
What this business does
Primary activity: Other letting and operating of own or leased real estate
Sector: Real estate
Investor take
PursueStrong opportunity: property-backed borrower with strong profile and acceptable with review structure.
Opportunity 71/100 (strong), bankability 70/100. Share purchase looks the cleaner deal structure. Most likely exit: share sale to pe / searcher (58/100).
🏦
Refinance opportunity
2 live charges · 2 lenders · oldest 3.1y
60/100
clean up first
Refinance viable after a tidy-up — address the highlighted items first.
- · Charge age ~3.1 years — mid-life; refi window approaching.
- · Two lenders — manageable, but coordination required.
- · Legal-friction score 15/100 — clean.
Data confidence
Overall: medium (78/100)Adequate coverage. AI outputs are reliable for the sections scored high; verify the rest in diligence.
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
2 charges (2/2 with lender, 2/2 with type)
90
Directors & officers
3 officers (2 active, 3 linked, 3 with DOB)
90
Ownership & PSC
2 active PSC(s) of 3 total, 3 with control declared
90
Director network
Network not yet resolved
30
Filing history
12 filings on record
85
Gazette notices
No matching gazette notices (standard for active companies)
60
🔒Estimated company valuation
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 →Opportunity Score
71/100Strong
PassWatchWorth a lookStrongExceptional
Solid opportunity signal. Worth a dedicated memo and management meeting.
Business quality
60
Adequate — check latest filings for context.
Acquirability
50
Some acquirability indicators.
Risk profile
85
Few red flags.
Signal strength
100
Good data coverage for analysis.
Signals from accounts
Derived from iXBRL accounts · accounting standard not declaredPositive net assets
Net assets £2,047
Net assets shrinking
Down £1,725 YoY
Key financials
2 years extracted from filed iXBRL accountsCash
—
Net Worth
£2k
↓ 46% YoY
Current Assets
£532
↑ 76% YoY
Current Liabilities
—
Hover 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 | £53.4k | £51.7k |
| Current assets | £532 | £303 |
| Net assets | £2.0k | £3.8k |
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
1
filing
- • 1 mortgage
Last 180 days
1
filing
- • 1 mortgage
Counts from Companies House filing history.
Corporate timeline (15 events)Click to expand
- 2026-04-03📄mortgage-create-with-deed-with-charge-number-charge-creation-datemortgage · MR01
- 2026-03-30🔒Charge registered #2Lender: Godiva Mortgages Limited
- 2025-11-14📄accounts-with-accounts-type-micro-entityaccounts · AA
- 2024-11-27📄accounts-with-accounts-type-micro-entityaccounts · AA
- 2023-10-04📄accounts-with-accounts-type-micro-entityaccounts · AA
- 2023-04-14📄mortgage-create-with-deed-with-charge-number-charge-creation-datemortgage · MR01
- 2023-04-14🔒Charge registered #1Lender: The Mortgage Works (UK) PLC
- 2022-12-05📄cessation-of-a-person-with-significant-controlpersons-with-significant-control · PSC07
- 2022-11-26📄termination-director-company-with-name-termination-dateofficers · TM01
- 2022-11-25➖LOHANI, Faiyaz resigneddirector
- 2022-02-23🏢Company incorporatedAs 3FL LIMITED
- 2022-02-23➕ISLAM, Fuadul appointeddirector
- 2022-02-23➕MIAH, Ribli Begum appointeddirector
- 2022-02-23➕LOHANI, Faiyaz appointeddirector
- 2022-02-23📄incorporation-companyincorporation · NEWINC
Owner dependency
58/100
Moderate — manageable with handoverSome founder dependency, but not acute. A structured handover period should cover most risk.
FACTORS
- +Two-director setup: Only two active directors — typical of owner-managed SMEs but limits succession.
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
cleanNo red flags detected from available public data. (This is not a clean bill of health — detailed accounts review still recommended.)
Shareholders & ownership
2 active beneficial owners · dominant holder ≥75%| Name | Shares | Voting rights | Nature of control | Notified |
|---|---|---|---|---|
Mr Fuadul Islam Individual · British · DOB 12/1979 · age 47 | 75–100% | 75–100% | board control75-100% shares · 75-100% voting · board control | 23/02/2022 |
Mrs Ribli Begum Miah Individual · British · DOB 12/1979 · age 47 | 75–100% | 75–100% | board control75-100% shares · 75-100% voting · board control | 23/02/2022 |
1 historic (ceased) PSC
- Mr Faiyaz Lohaniceased 05/12/2022· 75-100% shares · 75-100% voting · board control
From Companies House Persons with Significant Control filings. Share ranges are banded per the public PSC regime.
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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
Incorporated2022-02-23
Jurisdictionengland-wales
Primary SIC68209 — Other letting and operating of own or leased real estate
Registered office
3 Wharfedale Rise
Bradford
BD9 6AU
England
Filing status
Accounts
Next due: 2026-11-30
Last made up to: 2025-02-28
Confirmation statement
Next due: 2026-12-13
Last: 2025-11-29
Officers (2 active · 1 resigned)
ISLAM, Fuadul→
Activedirector · ~47y · appointed 2022-02-23
View their other companies + combined net worth →
MIAH, Ribli Begum→
Activedirector · ~47y · appointed 2022-02-23
View their other companies + combined net worth →
LOHANI, Faiyaz→
Resigneddirector · ~23y · appointed 2022-02-23 · resigned 2022-11-25
Click a director name to see their full track record across all companies.
Mortgages & charges
2
Total charges
2
Outstanding
2
Active lenders
Status:Lender:2 of 2 shown
| Type | Properties | |||||
|---|---|---|---|---|---|---|
| outstanding | Godiva Mortgages Godiva Mortgages Limited | A registered charge | 1 property | 30/03/2026 | — | |
| outstanding | The Mortgage Works (UK) The Mortgage Works (UK) PLC | A registered charge | 1 property | 14/04/2023 | — |
Click column headers to sort. Use filters above to narrow by status and lender.
Recent filings (12 total)
mortgage-create-with-deed-with-charge-number-charge-creation-date
mortgage · MR01
2026-04-03
confirmation-statement-with-no-updates
confirmation-statement · CS01
2025-11-29
accounts-with-accounts-type-micro-entity
accounts · AA
2025-11-14
confirmation-statement-with-no-updates
confirmation-statement · CS01
2024-11-29
accounts-with-accounts-type-micro-entity
accounts · AA
2024-11-27
confirmation-statement-with-updates
confirmation-statement · CS01
2023-12-07
accounts-with-accounts-type-micro-entity
accounts · AA
2023-10-04
mortgage-create-with-deed-with-charge-number-charge-creation-date
mortgage · MR01
2023-04-14
confirmation-statement-with-updates
confirmation-statement · CS01
2022-12-05
cessation-of-a-person-with-significant-control
persons-with-significant-control · PSC07
2022-12-05
termination-director-company-with-name-termination-date
officers · TM01
2022-11-26
incorporation-company
incorporation · NEWINC
2022-02-23