3MC EDINBURGH LIMITED
🌱Startupactive
SC846692 · ltd · incorporated 2025-04-28
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.
🔒Estimated value
—
Upgrade to see
Turnover
—
not disclosed
Net worth
—
book net assets
Opportunity
72/100
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 72/100 (strong), bankability 65/100. High owner-dependency — earn-out structure likely required for clean transition. Share purchase looks the cleaner deal structure. Most likely exit: share sale to pe / searcher (58/100).
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Refinance opportunity
2 live charges · 2 lenders · oldest 0.8y
35/100
too messy
Refinance path is blocked by complexity. Rethink structure or expect bespoke, expensive terms.
- · Newest facility, 0.8 years old — likely still in initial term.
- · Two lenders — manageable, but coordination required.
- · Legal-friction score 15/100 — clean.
Data confidence
Overall: medium (55/100)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
No iXBRL financials extracted
0
Lenders & charges
2 charges (2/2 with lender, 2/2 with type)
90
Directors & officers
2 officers (2 active, 2 linked, 2 with DOB)
90
Ownership & PSC
2 active PSC(s) of 2 total, 2 with control declared
90
Director network
Network not yet resolved
30
Filing history
3 filings
60
Gazette notices
No matching gazette notices (standard for active companies)
60
Opportunity Score
72/100Strong
PassWatchWorth a lookStrongExceptional
Solid opportunity signal. Worth a dedicated memo and management meeting.
Business quality
60
Adequate — check latest filings for context.
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
0
filings
Last 180 days
0
filings
Counts from Companies House filing history.
Corporate timeline (8 events)Click to expand
- 2025-09-03📄mortgage-create-with-deed-with-charge-number-charge-creation-datemortgage · MR01
- 2025-09-01🔒Charge registered #2Lender: Clydesdale Bank PLC (Trading as Virgin Money)
- 2025-07-17📄mortgage-create-with-deed-with-charge-number-charge-creation-datemortgage · MR01
- 2025-07-10🔒Charge registered #1Lender: Clydesdale Bank PLC (Trading as Virgin Money) (Company Number SC001111)
- 2025-04-28🏢Company incorporatedAs 3MC EDINBURGH LIMITED
- 2025-04-28➕GRAHAM, Suzanne Rachel appointeddirector
- 2025-04-28➕HOLLIS, Sarah Janet appointeddirector
- 2025-04-28📄incorporation-companyincorporation · NEWINC
Owner dependency
63/100
High — earn-out structure requiredMaterial founder dependency. Consider a 2-3 year earn-out and build in a handover plan before completion.
FACTORS
- +Two-director setup: Only two active directors — typical of owner-managed SMEs but limits succession.
- +Young company: Only 1.0 years old — management layer unlikely to be developed.
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| Name | Shares | Voting rights | Nature of control | Notified |
|---|---|---|---|---|
Suzanne Rachel Graham Individual · British · DOB 08/1982 · age 44 | 25–50% | 25–50% | board control25-50% shares · 25-50% voting · board control | 28/04/2025 |
Mrs Sarah Janet Hollis Individual · British · DOB 08/1977 · age 49 | 25–50% | 25–50% | board control25-50% shares · 25-50% voting · board control | 28/04/2025 |
From Companies House Persons with Significant Control filings. Share ranges are banded per the public PSC regime.
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| 1ST FOCUS LETTING LIMITED→ SC667911 · est 2020 · no financials extracted | — | — | — | — | 5y | — | — |
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| 20 CABOT SQUARE I UNIT TRUST GP LIMITED→ SC312228 · est 2006 · no financials extracted | — | — | — | — | 19y | — | — |
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| 34 MELVILLE STREET LIMITED→ SC714514 · est 2021 · no financials extracted | — | — | — | — | 4y | — | — |
| 39 HANOVER LIMITED→ SC552449 · est 2016 · no financials extracted | — | — | — | — | 9y | — | — |
| 6M PROPERTIES LIMITED→ SC842080 · est 2025 · no financials extracted | — | — | — | — | 1y | — | — |
| 8TABLES LIMITED→ SC870187 · est 2025 · no financials extracted | — | — | — | — | — | — | — |
| 99GROUP LTD→ SC713146 · est 2021 · no financials extracted | — | — | — | — | 4y | — | — |
| A & A MARCANTONIO PROPERTIES LIMITED→ SC714257 · est 2021 · no financials extracted | — | — | — | — | 4y | — | — |
Peers ranked by estimated value, then turnover, then opportunity score.See all →
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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.
Available from the Pro tier upwards.
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See pricing →Company details
Statusactive
Typeltd
Incorporated2025-04-28
Jurisdictionscotland
Primary SIC68209 — Other letting and operating of own or leased real estate
Registered office
3 Melville Crescent
Edinburgh
EH3 7HW
Scotland
Filing status
Accounts
Next due: 2027-01-28
Last made up to: —
Confirmation statement
Next due: 2026-05-11
Last: —
Officers (2 active · 0 resigned)
GRAHAM, Suzanne Rachel→
Activedirector · ~44y · appointed 2025-04-28
View their other companies + combined net worth →
HOLLIS, Sarah Janet→
Activedirector · ~49y · appointed 2025-04-28
View their other companies + combined net worth →
Click a director name to see their full track record across all companies.
Mortgages & charges
2
Total charges
2
Outstanding
1
Active lenders
Status:Lender:2 of 2 shown
| Type | Properties | |||||
|---|---|---|---|---|---|---|
| outstanding | Virgin Money Clydesdale Bank PLC (Trading as Virgin Money) | A registered charge | 1 property | 01/09/2025 | — | |
| outstanding | Virgin Money Clydesdale Bank PLC (Trading as Virgin Money) (Company Number SC001111) | A registered charge | — | 10/07/2025 | — |
Click column headers to sort. Use filters above to narrow by status and lender.
Recent filings (3 total)
mortgage-create-with-deed-with-charge-number-charge-creation-date
mortgage · MR01
2025-09-03
mortgage-create-with-deed-with-charge-number-charge-creation-date
mortgage · MR01
2025-07-17
incorporation-company
incorporation · NEWINC
2025-04-28