3C GROUP (UK) LTD
- · Oldest live charge 18.7y old — refinance window within 12 months
Opportunity 75/100 (strong), bankability 65/100. Strong seller-intent signal (70/100, director aged 64). Share purchase looks the cleaner deal structure. Biggest value-creation lever: Discharge stale live charges. 10 live charge(s) created 15+ years ago — likely paid but undischarged. Clean register. Most likely exit: share sale to pe / searcher (65/100).
Refinance opportunity
16 live charges · 2 lenders · oldest 18.7y
Refinance viable after a tidy-up — address the highlighted items first.
- · Oldest live charge is 18.7 years old — likely at or near maturity.
- · Two lenders — manageable, but coordination required.
- · Legal-friction score 40/100 — workable, but lender will want more DD.
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.
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 | 2024-02-29 |
|---|---|---|
| Total assets | £515.8k | £190.3k |
| Current assets | — | £8.9k |
| Cash | — | £8.9k |
| Net assets | £14.5k | £12.7k |
Amounts extracted automatically from iXBRL. Fields left blank were not reported or not mapped. Values in GBP unless stated.
Recent activity
- • 1 accounts
Corporate timeline (45 events)Click to expand
- 2026-02-27📄accounts-with-accounts-type-micro-entityaccounts · AA
- 2024-10-14📄accounts-with-accounts-type-total-exemption-fullaccounts · AA
- 2023-11-27📄accounts-with-accounts-type-total-exemption-fullaccounts · AA
- 2022-11-25📄accounts-with-accounts-type-total-exemption-fullaccounts · AA
- 2021-11-23📄accounts-with-accounts-type-total-exemption-fullaccounts · AA
- 2021-02-24📄accounts-with-accounts-type-total-exemption-fullaccounts · AA
- 2019-10-30📄accounts-with-accounts-type-total-exemption-fullaccounts · AA
- 2018-11-30📄accounts-with-accounts-type-total-exemption-fullaccounts · AA
- 2017-12-04📍change-registered-office-address-company-with-date-old-address-new-addressaddress · AD01
- 2017-11-30📍change-registered-office-address-company-with-date-old-address-new-addressaddress · AD01
- 2017-11-30📄accounts-with-accounts-type-total-exemption-fullaccounts · AA
- 2016-11-30📄accounts-with-accounts-type-total-exemption-smallaccounts · AA
- 2016-11-22📄gazette-filings-brought-up-to-dategazette · DISS40
- 2016-10-11📄gazette-notice-compulsorygazette · GAZ1
- 2016-02-20📄gazette-filings-brought-up-to-dategazette · DISS40
- 2011-07-15🔓Charge satisfied #16
- 2011-07-15🔓Charge satisfied #13
- 2011-07-15🔓Charge satisfied #11
- 2011-07-15🔓Charge satisfied #9
- 2011-07-15🔓Charge satisfied #8
- 2011-07-15🔓Charge satisfied #4
- 2009-03-18➕BELL, Anthony Michael appointedsecretary
- 2009-03-18➖POOLEY, John Timothy resignedsecretary
- 2008-03-10🔒Charge registered #16Lender: National Westminster Bank PLC
- 2008-02-15🔒Charge registered #15Lender: Barclays Bank PLC
- 2008-02-15🔒Charge registered #14Lender: Barclays Bank PLC
- 2008-01-28🔒Charge registered #13Lender: National Westminster Bank PLC
- 2008-01-03🔒Charge registered #12Lender: National Westminster Bank PLC
- 2008-01-01➖BELL, Anthony Michael resignedsecretary
- 2008-01-01➕POOLEY, John Timothy appointedsecretary
- 2007-12-04🔒Charge registered #11Lender: National Westminster Bank PLC
- 2007-11-12🔒Charge registered #10Lender: National Westminster Bank PLC
- 2007-11-07🔒Charge registered #9Lender: National Westminster Bank PLC
- 2007-11-07🔒Charge registered #8Lender: National Westminster Bank PLC
- 2007-10-31🔒Charge registered #7Lender: National Westminster Bank PLC
- 2007-10-31🔒Charge registered #6Lender: National Westminster Bank PLC
- 2007-10-31🔒Charge registered #5Lender: National Westminster Bank PLC
- 2007-09-26🔒Charge registered #2Lender: National Westminster Bank PLC
- 2007-09-26🔒Charge registered #1Lender: National Westminster Bank PLC
- 2007-09-25🔒Charge registered #4Lender: National Westminster Bank PLC
- 2007-09-20🔒Charge registered #3Lender: National Westminster Bank PLC
- 2007-07-25🏢Company incorporatedAs 3C GROUP (UK) LTD
- 2007-07-25➕BELL, Anthony Michael appointeddirector
- 2007-07-25➕BELL, Emma Louise appointeddirector
- 2007-07-25➕BELL, Anthony Michael appointedsecretary
Owner dependency
The business appears inseparable from the founder. Acquisition without a serious earn-out or meaningful transition period would likely destroy value.
- +Two-director setup: Only two active directors — typical of owner-managed SMEs but limits succession.
- +Long-tenure founder: Senior director has been in place 19 years — deep operational knowledge concentrated in one person.
- +Senior director age: Director aged approximately 64 — approaching natural succession window.
- +Family involvement: Multiple officers share a surname — likely family business, which concentrates governance.
Succession & seller-readiness
Strong acquirability signals converging. Worth approaching directly — this is how off-market deals start.
- primaryFounder aged 63+: Senior director is approximately 64. Approaching typical UK retirement age — succession thinking likely.
- secondaryTwo-director governance: Small-team governance. Succession depth is thin but not absent.
- secondary12+ year tenure: Director in role 19 years.
- secondaryStable-but-static management: Company is 19 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
1 med · 1 lowMultiple instances where a charge was satisfied and a new charge created within 6 months. Suggests active refinancing cycle.
Heavily leveraged with multiple live security positions — understand the capital structure before proceeding.
Shareholders & ownership
2 active beneficial owners| Name | Shares | Voting rights | Nature of control | Notified |
|---|---|---|---|---|
Mr Anthony Michael Bell Individual · British · DOB 01/1962 · age 64 | 25–50% | 25–50% | board control25-50% shares · 25-50% voting · board control | 06/04/2016 |
Mrs Emma Louise Bell Individual · British · DOB 05/1967 · age 59 | 25–50% | 25–50% | board control25-50% shares · 25-50% voting · board control | 06/04/2016 |
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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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 (3 active · 2 resigned)
Click a director name to see their full track record across all companies.
Mortgages & charges
| Type | Properties | |||||
|---|---|---|---|---|---|---|
| satisfied | National Westminster Bank National Westminster Bank PLC | Legal charge | 1 property | 10/03/2008 | 15/07/2011 | |
| outstanding | Barclays Barclays Bank PLC | Charge | 1 property | 15/02/2008 | — | |
| outstanding | Barclays Barclays Bank PLC | Charge | 1 property | 15/02/2008 | — | |
| satisfied | National Westminster Bank National Westminster Bank PLC | Legal charge | 1 property | 28/01/2008 | 15/07/2011 | |
| outstanding | National Westminster Bank National Westminster Bank PLC | Legal charge | 1 property | 03/01/2008 | — | |
| satisfied | National Westminster Bank National Westminster Bank PLC | Legal charge | 1 property | 04/12/2007 | 15/07/2011 | |
| outstanding | National Westminster Bank National Westminster Bank PLC | Legal charge | 1 property | 12/11/2007 | — | |
| satisfied | National Westminster Bank National Westminster Bank PLC | Legal charge | 1 property | 07/11/2007 | 15/07/2011 | |
| satisfied | National Westminster Bank National Westminster Bank PLC | Legal charge | 1 property | 07/11/2007 | 15/07/2011 | |
| outstanding | National Westminster Bank National Westminster Bank PLC | Legal charge | 1 property | 31/10/2007 | — | |
| outstanding | National Westminster Bank National Westminster Bank PLC | Legal charge | 1 property | 31/10/2007 | — | |
| outstanding | National Westminster Bank National Westminster Bank PLC | Legal charge | 1 property | 31/10/2007 | — | |
| outstanding | National Westminster Bank National Westminster Bank PLC | Legal charge | 1 property | 26/09/2007 | — | |
| outstanding | National Westminster Bank National Westminster Bank PLC | Legal charge | 1 property | 26/09/2007 | — | |
| satisfied | National Westminster Bank National Westminster Bank PLC | Legal charge | 1 property | 25/09/2007 | 15/07/2011 | |
| outstanding | National Westminster Bank National Westminster Bank PLC | Debenture | 1 property | 20/09/2007 | — |