Company Overview
3R Finance Ltd is listed at the official companies registry as Active Private Limited Company. The company was incorporated on Thursday 17 September 2015, so this is a well established company. 3R Finance Ltd has been in business for 10 years and 6 months. The accounts status is total exemption full and the accounts are next due on Wednesday 30 September 2026.
Registered Address

Unit 12 Swanwick Marina, Swanwick, Southampton, SO31 1ZL
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Companies House Data
Company Name3R FINANCE LTD
Company Number09782074
Registered Office AddressUnit 12 Swanwick Marina
 Swanwick
 SO31 1ZL
Company CategoryPrivate Limited Company
Company StatusActive
Country of OriginUnited Kingdom
Incorporation Date17/09/2015
Accounting Reference Date Day31
Accounting Reference Date Month12
Accounts Next Due Date30/09/2026
Accounts Last Made Up Date31/12/2024
Accounts Account CategoryTOTAL EXEMPTION FULL
Returns Next Due Date09/02/2017
Returns Last Made Up Date12/01/2016
Directors & Members
Show Resigned
Michael Bowler - Director
(British, 55 years old, born January 1971)
Appointed 17 September 2015
 Active
Daniel Brogan - Director
(British, 51 years old, born October 1975)
Appointed 01 September 2023
 Active
Kimberley De'ath - Director
(British, 44 years old, born August 1982)
Appointed 01 September 2023
 Active
Tony Dyer - Director
(British, 57 years old, born May 1969)
Appointed 01 September 2023
 Active
Christopher Powell - Director
(British, 55 years old, born March 1971)
Appointed 17 September 2015
 Active
Secretaries
Show Resigned
Other Company Directorships
Michael Bowler
3R HOLDINGS LIMITED
3R SYSTEMS LTD
CSM CAPITAL LIMITED
INTERNET INVESTIGATION SOLUTIONS LTD
PB OUTSOURCE LIMITED
THE 3R GROUP LIMITED
THE INVESTIGO GROUP LIMITED
Daniel Brogan
3R HOLDINGS LIMITED
3R SYSTEMS LTD
THE 3R GROUP LIMITED
Kimberley De'ath
3R HOLDINGS LIMITED
3R SYSTEMS LTD
THE 3R GROUP LIMITED
Tony Dyer
3R HOLDINGS LIMITED
3R SYSTEMS LTD
THE 3R GROUP LIMITED
Christopher Powell
3R HOLDINGS LIMITED
3R PAYTECH LTD
BUYANOM.COM LTD
COLLABORAITE LTD
COTE WALL MEWS PROPERTY CO. LIMITED
CSM CAPITAL LIMITED
INTERNET INVESTIGATION SOLUTIONS LTD
ON IT TECH LTD
ON IT TECHNOLOGY PARTNERS LTD
PB OUTSOURCE LIMITED
PUBHEAD LTD
THE 3R GROUP LIMITED
TIG MANAGEMENT SERVICES LTD
VOIX TELECOM LTD
WG MANAGMENT SERVICES LIMITED
WHITEROCK SYSTEMS LIMITED
Balance Sheet Unlock full report
Accounts Date 31-Dec-2024 31-Dec-2022 31-Dec-2021
Balance Sheet
Fixed Assets 93,616 93,616 0
Current Assets 6,241,656 6,241,656 6,046,411
Creditors Due Within One Year 5,031,171 5,031,171 5,146,564
Working Cap 1,210,485 1,210,485 899,847
Total Assets Less Current Liabilities 1,304,101 1,304,101 899,847
Long-term Liabilities 1,304,100 1,304,100 899,846
Net Assets 1 1 1
Share Capital & Reserves
Share Cap - - -
Profit & Loss Reserves - - -
Other Reserves - - -
Shareholders Funds 1 1 1
Common Size Financial Analysis Unlock full report
Accounts Date 31-Dec-2024 31-Dec-2022 31-Dec-2021
Tangible Fixed Assets - - -
Fixed Assets 1.5% 1.5% 0.0%
Stocks Inventory - - -
Debtors 96.9% 96.9% 98.4%
Cash Bank In Hand 1.6% 1.6% 1.6%
Current Assets 98.5% 98.5% 100.0%
Creditors Due Within One Year 79.4% 79.4% 85.1%
Net Current Assets Liabilities 19.1% 19.1% 14.9%
Creditors Due After One Year - - -
Accruals Deferred Income - - -
Provisions For Liabilities Charges - - -
Net Assets Liabilities Including Pension Asset Liability - - -
Called Up Share Capital - - -
Share Capital Allotted Called Up Paid - - -
Profit Loss Account Reserve - - -
Shareholder Funds 0.0% 0.0% 0.0%
Capital Employed - - -
Total Assets Less Current Liabilities 20.6% 20.6% 14.9%
Financial Ratio Analysis Unlock full report
Accounts Date 31-Dec-2024 31-Dec-2022 31-Dec-2021
Liquidity Ratio 1.2 1.2 1.2
Solvency Ratio 1.0 1.0 1.0
Reserves to Assets - - -
Secured Creditors Unlock full report
Mortgages Charges 2
Mortgages Outstanding 2
Mortgages Part Satisfied 0
Mortgages Satisfied 0
Assets and Debt Analysis Unlock full report
Accounts Date 31-Dec-2024 31-Dec-2022 31-Dec-2021
Assets 6,335,272 6,335,272 6,046,411
Debt 6,335,271 6,335,271 6,046,410
Net Assets/Debt 1 1 1

The following is based on the accounts data presented in this report sourced from Companies House, however the company has filed later accounts. Our analysis of the latest account can be viewed by unlocking our full report.

The current section of the balance sheet has positive working capital. We would normally consider this positively. Total reserves including retained profitability and movement in reserves has some deficiency. The balance sheet displays a very modest amount of net assets. For the size of the company as inferred by the balance sheet the amount of net assets represents a relatively small margin of cover over total debts and obligations.

Unlock full report  The following is based on the accounts data presented in this report sourced from Companies House, however the company has filed later accounts. Our analysis of the latest account can be viewed by unlocking our full report.The current section of the balance sheet has positive working capital. We would normally consider this positively. Total reserves including retained profitability and movement in reserves has some deficiency. The balance sheet displays a very modest amount of net assets. For the size of the company as inferred by the balance sheet the amount of net assets represents a relatively small margin of cover over total debts and obligations.   The following is based on the accounts data presented in this report sourced from Companies House, however the company has filed later accounts. Our analysis of the latest account can be viewed by unlocking our full report.The current section of the balance sheet has positive working capital. We would normally consider this positively. Total reserves including retained profitability and movement in reserves has some deficiency. The balance sheet displays a very modest amount of net assets. For the size of the company as inferred by the balance sheet the amount of net assets represents a relatively small margin of cover over total debts and obligations.

This review of public record balance sheet and company status information is presented under the terms of Open Government Licence and is for informational purposes only, is general in nature, and is not intended as an opinion or advice for any specific circumstances. The commentary and the colour band score is not a credit rating or credit risk assessment.

This review does not constitute a full credit rating or credit risk assessment based on the full analysis and credit score algorithms used in our credit reports. A full credit report may also provide information relating to trade payment history and county court or court judgments if any.

Public Record Information Unlock full report
Exact Court Judgements
Period of Months Last 12m 13-24m 25-36m 37-48m 49-60m 61-72m
Number of Exact CCJS X Y Y X X Y
Value of Exact CCJS YXY YK S S X KX
Supplier Credit Limits Unlock full report
Date Sector Notified Amount Terms
XK-SXY XKXYXK SXSKXYXK £X,000 XS XYSKS
SK-SYY SKXYXKYKKY KSXX KKXXYXS £YY,000 YS XYSKS SK YXXSXS
YK-SXY XKXYXYYK SXSXYXK £SX,000 XS XYSKS
Payment Records Unlock full report
Payment Records from it's suppliers' company ledger show how a company is paying its suppliers

Payment Analysis

Total Invoices Paid Before
30 days due		 Paid After
30 days due		 Owing Before
30 days due		 Owing after
30 days due
XYX SX K YX X
Company Valuation Analysis Unlock full report

Going Concern Valuation

The going concern valuations value the company on the basis that it continues to trade without the threat of liquidation for the foreseeable future. These valuations are primarily profit and cashflow based.

Valuations Valuation Measures
Estimated High Value £XSI,000 Retained Profit £YX,000
Estimated Mid Value £YY,000 EBIT £SY,000
Estimated Low Value £X,000 EBITDA £SSX,000

Liquidation Valuation

The liquidaton valuation values the company as if it were to cease trading and assets were subject to rapid disposal to cover liabilities. This valuation is primarily asset based.

Valuations Valuation Measures
Estimated High Value £XY,000 Total Assets £XIX,000
Estimated Mid Value £Y,000 Net Assets £YX,000
Estimated Low Value £S,000 Tangible Equity £SX,000

The above valuations are based on our own algorithms and take no account of many factors that can influence actual valuations realized and should not therefore be assumed to be accurate.
Credit Status Checklist Unlock full report
Business Growth Please purchase a report to see true comments
EBITDA Purchase a report to see true comments
Dividends Please purchase a report to see true comments about this company
Retained Profits Retained Profits for this company
Debt Interest Debt Interest for this company
Cash Flow Cash Flow for this company
CCJs CCJs for this company
Age of Company Age of Company for this company
Solvency Solvency for this company
Secured Creditors Secured Creditors for this company
Ownership Ownership for this company


First Report Score: (0-10) X
Financial Status Guide:
10 Very Strong
9 Strong
8 Very Good
7 Good
6 Above Average
5 Average
4 Below Average
3 Poor
2 Weak
1 Very Weak
0 Critical

Risk Score Trend

Risk Rating Unlock full report

This is the credit risk assessment used by one of the top UK credit reference agencies.

Risk Score (1-100) X
Risk Band Description XXMXMXMX SISX
Risk Assessment Meeting of Creditors
Credit Rating XSKX
Altman Z Score Credit Risk Rating Unlock full report

There have been many bankruptcy predictors developed, however none has been so thoroughly tested and broadly accepted as the Altman Z-Score.

Z Score X
Risk Band XY
Risk Band Description The Z Score is not used for small companies where full accounts are not filed because profit and loss account items are required to calculate the score.

Z Score Bands

1 Low Risk 3.00 and above
2 Caution 2.63 - 2.99
3 Risk of Failure within 2 years 1.24 - 2.62
4 High Probability Failure Below 1.24
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Document Filings
Confirmation statement made on 3 February 2026 with no updates
Confirmation statement made on 3 February 2025 with no updates
Confirmation statement made on 3 February 2024 with no updates
Termination of appointment of Alex Odonovan as a director on 1 September 2023
Appointment of Mr Daniel Brogan as a director on 1 September 2023
Appointment of Mr Tony Dyer as a director on 1 September 2023
Appointment of Mrs Kimberley Marie De'ath as a director on 1 September 2023
Confirmation statement made on 3 February 2023 with updates
Confirmation statement made on 22 December 2022 with no updates
Confirmation statement made on 1 December 2022 with no updates
Director's details changed for Mr Michael Bowler on 13 October 2022
Confirmation statement made on 1 December 2021 with no updates
Confirmation statement made on 1 December 2020 with no updates
Registration of charge 097820740002, created on 29 June 2020
Confirmation statement made on 1 December 2019 with no updates
Termination of appointment of David Neil Ayton as a secretary on 28 October 2019
Cessation of David Neil Ayton as a person with significant control on 28 October 2019
Termination of appointment of David Neil Ayton as a director on 28 October 2019
Cessation of David Neil Ayton as a person with significant control on 28 October 2019
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