3XD LIMITED
💤Zombieactive
05729788 · ltd · incorporated 2006-03-03
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
—
not disclosed
Net worth
—
book net assets
Opportunity
75/100
Strong
What this business does
Primary activity: Non-life insurance
Sector: Financial & insurance
ALSO REGISTERED FOR
- 65202Non-life reinsurance
Investor take
PursueStrong opportunity: active trading company with strong profile and bankable structure.
Opportunity 75/100 (strong), bankability 85/100. 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: strategic trade sale (65/100).
🏦
Refinance opportunity
1 live charge · oldest 15.5y
45/100
under pressure
Refinance would be pressure-driven, not opportunity-driven. Expect tighter margins and covenant scrutiny.
- · Oldest live charge is 15.5 years old — likely at or near maturity.
- · Single lender — cleanest path to refinance.
- · Distress signals active — lender appetite narrows.
Data confidence
Overall: medium (57/100)Adequate coverage. AI outputs are reliable for the sections scored high; verify the rest in diligence.
Company profile
address, 2 SIC codes, incorporation date
100
Financials
No iXBRL financials extracted
0
Lenders & charges
1 charges (1/1 with lender, 1/1 with type)
90
Directors & officers
14 officers (2 active, 14 linked, 9 with DOB)
83
Ownership & PSC
1 active PSC(s) of 7 total, 7 with control declared
90
Director network
1 connected companies via shared directors
48
Filing history
133 filings on record
85
Gazette notices
No matching gazette notices (standard for active companies)
60
Opportunity Score
75/100Strong
PassWatchWorth a lookStrongExceptional
Solid opportunity signal. Worth a dedicated memo and management meeting.
Business quality
70
Active, clean filings, stable charge profile.
Acquirability
55
Some acquirability indicators.
Risk profile
85
Few red flags.
Signal strength
100
Good data coverage for analysis.
Recent activity
Last 30 days
0
filings
Last 90 days
1
filing
- • 1 confirmation-statement
Last 180 days
1
filing
- • 1 confirmation-statement
Counts from Companies House filing history.
Corporate timeline (50 events)Click to expand
- 2025-09-12📄accounts-with-accounts-type-audit-exemption-subsiduaryaccounts · AA
- 2025-09-12📄legacyaccounts · PARENT_ACC
- 2025-09-12📄legacyother · GUARANTEE2
- 2025-09-12📄legacyother · AGREEMENT2
- 2025-07-03📄termination-director-company-with-name-termination-dateofficers · TM01
- 2025-06-30➖GRIEB, Stuart James resigneddirector
- 2024-10-21📄accounts-with-accounts-type-audit-exemption-subsiduaryaccounts · AA
- 2024-10-21📄legacyaccounts · PARENT_ACC
- 2024-10-21📄legacyother · GUARANTEE2
- 2024-10-21📄legacyother · AGREEMENT2
- 2023-10-13📄accounts-with-accounts-type-audit-exemption-subsiduaryaccounts · AA
- 2023-10-13📄legacyaccounts · PARENT_ACC
- 2023-10-13📄legacyother · AGREEMENT2
- 2023-10-13📄legacyother · GUARANTEE2
- 2023-10-09📄termination-director-company-with-name-termination-dateofficers · TM01
- 2023-09-30➖FULLUCK, David Stephen resigneddirector
- 2023-09-19📄change-to-a-person-with-significant-controlpersons-with-significant-control · PSC05
- 2023-09-19📄change-person-secretary-company-with-change-dateofficers · CH03
- 2023-02-14📄accounts-with-accounts-type-audit-exemption-subsiduaryaccounts · AA
- 2023-02-14📄legacyaccounts · PARENT_ACC
- 2023-02-14📄legacyother · GUARANTEE2
- 2023-02-14📄legacyother · AGREEMENT2
- 2022-09-01📄memorandum-articlesincorporation · MA
- 2021-05-19➕GRIEB, Stuart James appointeddirector
- 2021-05-19➖NATHAN, Clive Adam resigneddirector
- 2019-09-18➕NATHAN, Clive Adam appointeddirector
- 2019-07-19➕HUNTER, Andrew Stewart appointedsecretary
- 2019-07-19➖PATTEN, Stephen resignedsecretary
- 2019-07-19➖PATTEN, Stephen resigneddirector
- 2019-07-19➖RIDING, Gareth James resigneddirector
- 2019-07-19➖RIDING, Richard resigneddirector
- 2019-04-08🔓Charge satisfied #1
- 2011-11-18➕KELSALL, Graham appointeddirector
- 2011-11-18➕PATTEN, Stephen appointedsecretary
- 2011-11-18➕RIDING, Gareth James appointeddirector
- 2011-11-18➕RIDING, Richard appointeddirector
- 2011-11-10➕PATTEN, Stephen appointeddirector
- 2011-11-06➖RIDING, Michael Darren resignedsecretary
- 2011-11-06➖RIDING, Michael Darren resigneddirector
- 2010-10-28🔒Charge registered #1Lender: National Westminster Bank PLC
- 2007-10-23➖RIDING, Gareth James resigneddirector
- 2006-07-06➕RIDING, Michael Darren appointedsecretary
- 2006-07-06➕FULLUCK, David Stephen appointeddirector
- 2006-07-06➕RIDING, Gareth James appointeddirector
- 2006-07-06➕RIDING, Michael Darren appointeddirector
- 2006-03-06➖FORM 10 SECRETARIES FD LTD resignedcorporate-nominee-secretary
- 2006-03-06➖FORM 10 DIRECTORS FD LTD resignedcorporate-nominee-director
- 2006-03-03🏢Company incorporatedAs 3XD LIMITED
- 2006-03-03➕FORM 10 SECRETARIES FD LTD appointedcorporate-nominee-secretary
- 2006-03-03➕FORM 10 DIRECTORS FD LTD appointedcorporate-nominee-director
Owner dependency
75/100
High — earn-out structure requiredMaterial founder dependency. Consider a 2-3 year earn-out and build in a handover plan before completion.
FACTORS
- +Sole director: Only one active director — all governance concentrated on one person.
Succession & seller-readiness
68/100
Strong succession signalMultiple signals suggest succession is on the horizon. Candidate for proactive outreach.
SIGNALS
- primarySole active director: Only one director in control. No visible successor — buyers solve the succession problem.
- secondary12+ year tenure: Director in role 14 years.
- secondaryStable-but-static management: Company is 20 years old and no new directors in the last 3 years — succession not yet being planned internally.
- supportingClean filings + long tenure: Disciplined long-tenure operator — classic lifestyle-business pattern that often sells quietly.
Red flags
cleanNo red flags detected from available public data. (This is not a clean bill of health — detailed accounts review still recommended.)
Group structure
Brown & Brown Retail Holdco (Europe) Limited is the ultimate parent — holding 75%+ shares. This company sits inside their group.
🏛️ultimate parent
Brown & Brown Retail Holdco (Europe) Limited
Corporate parent · holds 75-100% shares · board control
⬇
3XD LIMITED
This company · 05729788
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 |
|---|---|---|---|---|
Brown & Brown Retail Holdco (Europe) Limited Corporate entity | 75–100% | 75–100% | board control75-100% shares · 75-100% voting · board control | 30/09/2021 |
6 historic (ceased) PSCs
- Grp Mga Holdco Limitedceased 30/09/2021· 75-100% shares · 75-100% voting · board control
- Mr David Stephen Fulluckceased 06/04/2016· significant influence
- Mr Graham Kelsallceased 06/04/2016· significant influence
- Mr Stephen Pattenceased 06/04/2016· significant influence
- Mr Gareth James Ridingceased 06/04/2016· significant influence
- Mr Richard Ridingceased 06/04/2016· significant influence
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 →Similar companies
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|---|---|---|---|---|---|---|---|
| 2M ASSET MANAGEMENT LIMITED→ 16210132 · est 2025 · no financials extracted | — | — | — | — | 1y | — | — |
| 2NA CAPITAL MANAGEMENT LTD→ 16595019 · est 2025 · no financials extracted | — | — | — | — | — | — | — |
| 2X IGNITE LIMITED→ 15873885 · est 2024 · no financials extracted | — | — | — | — | 1y | — | — |
| 3 RED GROUPS LIMITED→ 16590338 · est 2025 · no financials extracted | — | — | — | — | — | — | — |
| 3 SIXTI LTD→ 04726726 · est 2003 · no financials extracted | — | — | — | — | 23y | — | — |
| 345 RAIL LEASING MID CO LIMITED→ 11849732 · est 2019 · no financials extracted | — | — | — | — | 7y | — | — |
| 39 MORELAND STREET LTD→ 16624564 · est 2025 · no financials extracted | — | — | — | — | — | — | — |
| 3BLOCKS LTD→ 09653684 · est 2015 · no financials extracted | — | — | — | — | 10y | — | — |
| 3FR GROUP LTD→ 13833144 · est 2022 · no financials extracted | — | — | — | — | 4y | — | — |
| 3G CAPITAL INVESTMENTS LTD→ 13578756 · est 2021 · no financials extracted | — | — | — | — | 4y | — | — |
| 3MG INTERNATIONAL LIMITED→ 13272866 · est 2021 · no financials extracted | — | — | — | — | 5y | — | — |
| 4C CAPITAL LIMITED→ 16121031 · est 2024 · no financials extracted | — | — | — | — | 1y | — | — |
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
Incorporated2006-03-03
Jurisdictionengland-wales
Primary SIC65120 — Non-life insurance
Registered office
7th Floor Corn Exchange
55 Mark Lane
London
EC3R 7NE
England
Filing status
Accounts
Next due: 2026-09-30
Last made up to: 2024-12-31
Confirmation statement
Next due: 2027-03-17
Last: 2026-03-03
Officers (2 active · 12 resigned)
HUNTER, Andrew Stewart→
Activesecretary · appointed 2019-07-19
View their other companies + combined net worth →
KELSALL, Graham→
Activedirector · ~57y · appointed 2011-11-18
View their other companies + combined net worth →
PATTEN, Stephen→
Resignedsecretary · appointed 2011-11-18 · resigned 2019-07-19
RIDING, Michael Darren→
Resignedsecretary · appointed 2006-07-06 · resigned 2011-11-06
FORM 10 SECRETARIES FD LTD→
Resignedcorporate-nominee-secretary · appointed 2006-03-03 · resigned 2006-03-06
FULLUCK, David Stephen→
Resigneddirector · ~69y · appointed 2006-07-06 · resigned 2023-09-30
GRIEB, Stuart James→
Resigneddirector · ~52y · appointed 2021-05-19 · resigned 2025-06-30
NATHAN, Clive Adam→
Resigneddirector · ~61y · appointed 2019-09-18 · resigned 2021-05-19
PATTEN, Stephen→
Resigneddirector · ~75y · appointed 2011-11-10 · resigned 2019-07-19
RIDING, Gareth James→
Resigneddirector · ~49y · appointed 2011-11-18 · resigned 2019-07-19
RIDING, Gareth James→
Resigneddirector · ~49y · appointed 2006-07-06 · resigned 2007-10-23
RIDING, Michael Darren→
Resigneddirector · ~56y · appointed 2006-07-06 · resigned 2011-11-06
RIDING, Richard→
Resigneddirector · ~79y · appointed 2011-11-18 · resigned 2019-07-19
FORM 10 DIRECTORS FD LTD→
Resignedcorporate-nominee-director · appointed 2006-03-03 · resigned 2006-03-06
Click a director name to see their full track record across all companies.
Mortgages & charges
1
Total charges
0
Outstanding
0
Active lenders
Status:Lender:1 of 1 shown
| Type | Properties | |||||
|---|---|---|---|---|---|---|
| satisfied | National Westminster Bank National Westminster Bank PLC | Debenture | 1 property | 28/10/2010 | 08/04/2019 |
Recent filings (133 total)
confirmation-statement-with-no-updates
confirmation-statement · CS01
2026-03-04
accounts-with-accounts-type-audit-exemption-subsiduary
accounts · AA
2025-09-12
legacy
accounts · PARENT_ACC
2025-09-12
legacy
other · GUARANTEE2
2025-09-12
legacy
other · AGREEMENT2
2025-09-12
termination-director-company-with-name-termination-date
officers · TM01
2025-07-03
confirmation-statement-with-no-updates
confirmation-statement · CS01
2025-03-10
accounts-with-accounts-type-audit-exemption-subsiduary
accounts · AA
2024-10-21
legacy
accounts · PARENT_ACC
2024-10-21
legacy
other · GUARANTEE2
2024-10-21
legacy
other · AGREEMENT2
2024-10-21
confirmation-statement-with-updates
confirmation-statement · CS01
2024-03-06
accounts-with-accounts-type-audit-exemption-subsiduary
accounts · AA
2023-10-13
legacy
accounts · PARENT_ACC
2023-10-13
legacy
other · AGREEMENT2
2023-10-13