Registration of charges

On Wednesday 3 June 2026 a company creates a fixed charge over its head-office building in favour of a lender to secure a new £450,000 loan. The charge instrument is validly executed that day and the loan is advanced immediately. The lender's paralegal is preparing to deliver the certified copy of the charge instrument and the prescribed statement of particulars to the Registrar of Companies and asks the supervising solicitor to confirm the latest date by which delivery must be made for the charge to be validly registered without needing any court order, and the consequence if that date is missed. Assume there are no intervening weekends, bank holidays or filing extensions affecting the calculation.