HERITAGE WHARF (OBAN) LIMITED

🌳Matureactive
SC197572 · ltd · incorporated 1999-06-22
Investment thesis
Property vehicle with leveraged stack — refinance / partial-release angle.
Why interesting: Asset-backed; value largely in underlying property; lender engagement likely possible.
Why risky: Multiple lenders to manage; inter-creditor friction and partial-release cost possible.
Opportunity decay
approaching window · 12-months
Approaching a transaction window — refinance or sale event plausible in the next 12 months.
  • · Oldest live charge 26.9y old — refinance window within 12 months
🔒Estimated value
—
Upgrade to see
Turnover
—
year to Jun 2025
Net worth
—
book net assets
Opportunity
73/100
Strong
🔔
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What this business does
Primary activity: Other letting and operating of own or leased real estate
Sector: Real estate
Investor take
Pursue
Strong opportunity: active trading company with strong profile and bankable structure.

Opportunity 73/100 (strong), bankability 85/100. High owner-dependency — earn-out structure likely required for clean transition. Share purchase looks the cleaner deal structure. Most likely exit: strategic trade sale (63/100).

🏦

Refinance opportunity

5 live charges · 2 lenders · oldest 26.9y

70/100
ready

Refinance conversation should be productive — structure clean and timing right.

  • · Oldest live charge is 26.9 years old — likely at or near maturity.
  • · Two lenders — manageable, but coordination required.
  • · Legal-friction score 15/100 — clean.

Data confidence

Overall: medium (79/100)

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
2 years of iXBRL accounts extracted (YoY deltas available) + narrative notes parsed
75
Lenders & charges
5 charges (5/5 with lender, 5/5 with type)
90
Directors & officers
10 officers (3 active, 10 linked, 5 with DOB)
80
Ownership & PSC
1 active PSC(s) of 1 total, 1 with control declared
90
Director network
2 connected companies via shared directors
51
Filing history
86 filings on record
85
Gazette notices
No matching gazette notices (standard for active companies)
60
Opportunity Score
73/100Strong
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
77
Few red flags.
Signal strength
100
Good data coverage for analysis.

Key financials

2 years extracted from filed iXBRL accounts
Cash
—
Net Worth
—
Current Assets
—
Current Liabilities
—
£0£0£0£0£0£0Jun 2024Jun 2025

Hover to see exact values · click legend to toggle series

Financials

Extracted from Companies House accounts · FRS 102
Metric2025-06-302024-06-30
Average employees00

Amounts extracted automatically from iXBRL. Fields left blank were not reported or not mapped. Values in GBP unless stated.

🔒Filing-note intelligence

2 signals detected in this company's narrative notes — going-concern language, audit opinion, contingent liabilities, related-party transactions.

Available from the Pro tier upwards.

See pricing →

Recent activity

Last 30 days
0
filings
Last 90 days
1
filing
  • • 1 accounts
Last 180 days
1
filing
  • • 1 accounts
Counts from Companies House filing history.
Corporate timeline (44 events)Click to expand
  1. 2026-03-30
    📄
    accounts-with-accounts-type-total-exemption-full
    accounts · AA
  2. 2025-03-27
    📄
    accounts-with-accounts-type-total-exemption-full
    accounts · AA
  3. 2024-03-28
    📄
    accounts-with-accounts-type-total-exemption-full
    accounts · AA
  4. 2024-03-28
    📄
    mortgage-satisfy-charge-full
    mortgage · MR04
  5. 2024-03-28
    🔓
    Charge satisfied #6
  6. 2023-03-30
    📄
    accounts-with-accounts-type-total-exemption-full
    accounts · AA
  7. 2022-01-13
    📄
    accounts-with-accounts-type-total-exemption-full
    accounts · AA
  8. 2021-01-14
    📄
    mortgage-satisfy-charge-full
    mortgage · MR04
  9. 2021-01-14
    🔓
    Charge satisfied #5
  10. 2020-12-10
    📄
    accounts-with-accounts-type-total-exemption-full
    accounts · AA
  11. 2019-12-03
    📄
    accounts-with-accounts-type-total-exemption-full
    accounts · AA
  12. 2019-03-29
    📄
    accounts-with-accounts-type-total-exemption-full
    accounts · AA
  13. 2018-02-27
    📄
    accounts-with-accounts-type-total-exemption-full
    accounts · AA
  14. 2017-07-05
    📄
    notification-of-a-person-with-significant-control
    persons-with-significant-control · PSC01
  15. 2017-03-07
    📄
    accounts-with-accounts-type-total-exemption-small
    accounts · AA
  16. 2016-07-20
    📄
    annual-return-company-with-made-up-date-full-list-shareholders
    annual-return · AR01
  17. 2016-07-20
    📄
    termination-director-company-with-name-termination-date
    officers · TM01
  18. 2016-07-20
    📄
    change-person-director-company-with-change-date
    officers · CH01
  19. 2015-09-16
    🔓
    Charge satisfied #3
  20. 2015-08-15
    ➖
    SHAHID, Mohammad Hassan resigned
    director
  21. 2012-10-18
    🔒
    Charge registered #6
    Lender: The Royal Bank of Scotland PLC
  22. 2012-10-13
    🔓
    Charge satisfied #4
  23. 2012-10-13
    🔓
    Charge satisfied #1
  24. 2012-09-26
    🔒
    Charge registered #5
    Lender: The Royal Bank of Scotland PLC
  25. 2011-12-15
    ➕
    SHAHID, Mohammad Awais appointed
    director
  26. 2011-12-15
    ➕
    SHAHID, Waqas appointed
    director
  27. 2002-12-23
    ➕
    SHAHID, Roohi appointed
    secretary
  28. 2002-12-23
    ➖
    AKRAM, Muhammad resigned
    secretary
  29. 2002-12-23
    ➖
    AKRAM, Muhammad resigned
    director
  30. 2002-01-31
    ➕
    AKRAM, Muhammad appointed
    secretary
  31. 2002-01-31
    ➖
    SHAHID, Mohammad Hassan resigned
    secretary
  32. 1999-07-26
    🔒
    Charge registered #4
    Lender: Newcastle Building Society
  33. 1999-07-07
    🔒
    Charge registered #3
    Lender: Newcastle Building Society
  34. 1999-07-07
    🔒
    Charge registered #1
    Lender: Newcastle Building Society
  35. 1999-06-22
    🏢
    Company incorporated
    As HERITAGE WHARF (OBAN) LIMITED
  36. 1999-06-22
    ➕
    SHAHID, Mohammad Hassan appointed
    secretary
  37. 1999-06-22
    ➕
    TAYLOR, Henry John appointed
    secretary
  38. 1999-06-22
    ➖
    TAYLOR, Henry John resigned
    secretary
  39. 1999-06-22
    ➕
    OSWALDS OF EDINBURGH LIMITED appointed
    corporate-nominee-secretary
  40. 1999-06-22
    ➖
    OSWALDS OF EDINBURGH LIMITED resigned
    corporate-nominee-secretary
  41. 1999-06-22
    ➕
    AKRAM, Muhammad appointed
    director
  42. 1999-06-22
    ➕
    MIRNER, Brendan Francis appointed
    director
  43. 1999-06-22
    ➖
    MIRNER, Brendan Francis resigned
    director
  44. 1999-06-22
    ➕
    SHAHID, Mohammad Hassan appointed
    director

Owner dependency

66/100
High — earn-out structure required

Material 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.
  • +Family involvement: Multiple officers share a surname — likely family business, which concentrates governance.

Succession & seller-readiness

59/100
Strong succession signal

Multiple signals suggest succession is on the horizon. Candidate for proactive outreach.

SIGNALS
  • secondaryTwo-director governance: Small-team governance. Succession depth is thin but not absent.
  • secondary12+ year tenure: Director in role 14 years.
  • secondaryStable-but-static management: Company is 27 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 ·
Charge satisfaction-then-recreation pattern
medium

Multiple instances where a charge was satisfied and a new charge created within 6 months. Suggests active refinancing cycle.

Shareholders & ownership

1 active beneficial owner
NameSharesVoting rightsNature of controlNotified
Mr Mohammad Awais Shahid
Individual · British · DOB 09/1984 · age 42
——sig. influencesignificant influence06/04/2016

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 →

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Peers ranked by estimated value, then turnover, then opportunity score.See all →
🔒Tailored diligence questions

6 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
Incorporated1999-06-22
Jurisdictionscotland
Primary SIC68209 — Other letting and operating of own or leased real estate

Registered office

9 Bruce Road
Pollokshields
Glasgow
G41 5EL

Filing status

Accounts
Next due: 2027-03-31
Last made up to: 2025-06-30
Confirmation statement
Next due: 2026-07-06
Last: 2025-06-22

Officers (3 active · 7 resigned)

SHAHID, Roohi→
secretary · appointed 2002-12-23
View their other companies + combined net worth →
Active
SHAHID, Mohammad Awais→
director · ~42y · appointed 2011-12-15
View their other companies + combined net worth →
Active
SHAHID, Waqas→
director · ~47y · appointed 2011-12-15
View their other companies + combined net worth →
Active
AKRAM, Muhammad→
secretary · appointed 2002-01-31 · resigned 2002-12-23
Resigned
SHAHID, Mohammad Hassan→
secretary · appointed 1999-06-22 · resigned 2002-01-31
Resigned
TAYLOR, Henry John→
secretary · appointed 1999-06-22 · resigned 1999-06-22
Resigned
OSWALDS OF EDINBURGH LIMITED→
corporate-nominee-secretary · appointed 1999-06-22 · resigned 1999-06-22
Resigned
AKRAM, Muhammad→
director · ~71y · appointed 1999-06-22 · resigned 2002-12-23
Resigned
MIRNER, Brendan Francis→
director · ~75y · appointed 1999-06-22 · resigned 1999-06-22
Resigned
SHAHID, Mohammad Hassan→
director · ~86y · appointed 1999-06-22 · resigned 2015-08-15
Resigned

Click a director name to see their full track record across all companies.

Mortgages & charges

5
Total charges
0
Outstanding
0
Active lenders
Status:Lender:5 of 5 shown
TypeProperties
satisfied
Lloyds Banking Group
The Royal Bank of Scotland PLC
Standard security1 property18/10/201228/03/2024
satisfied
Lloyds Banking Group
The Royal Bank of Scotland PLC
Floating charge1 property26/09/201214/01/2021
satisfied
Newcastle Building Society
Standard security1 property26/07/199913/10/2012
satisfied
Newcastle Building Society
Deed of assignment of rents1 property07/07/199916/09/2015
satisfied
Newcastle Building Society
Floating charge1 property07/07/199913/10/2012

Recent filings (86 total)

accounts-with-accounts-type-total-exemption-full
accounts · AA
2026-03-30
confirmation-statement-with-no-updates
confirmation-statement · CS01
2025-07-03
accounts-with-accounts-type-total-exemption-full
accounts · AA
2025-03-27
confirmation-statement-with-no-updates
confirmation-statement · CS01
2024-07-02
accounts-with-accounts-type-total-exemption-full
accounts · AA
2024-03-28
mortgage-satisfy-charge-full
mortgage · MR04
2024-03-28
confirmation-statement-with-no-updates
confirmation-statement · CS01
2023-07-03
accounts-with-accounts-type-total-exemption-full
accounts · AA
2023-03-30
confirmation-statement-with-no-updates
confirmation-statement · CS01
2022-06-27
accounts-with-accounts-type-total-exemption-full
accounts · AA
2022-01-13
confirmation-statement-with-no-updates
confirmation-statement · CS01
2021-07-03
mortgage-satisfy-charge-full
mortgage · MR04
2021-01-14
accounts-with-accounts-type-total-exemption-full
accounts · AA
2020-12-10
confirmation-statement-with-no-updates
confirmation-statement · CS01
2020-07-06
accounts-with-accounts-type-total-exemption-full
accounts · AA
2019-12-03