A & H (SCOTLAND) LIMITED
Opportunity 78/100 (strong), bankability 65/100. Strong seller-intent signal (83/100, director aged 66). Share purchase looks the cleaner deal structure. Biggest value-creation lever: Discharge stale live charges. 6 live charge(s) created 15+ years ago — likely paid but undischarged. Clean register. Most likely exit: share sale to pe / searcher (73/100).
Refinance opportunity
6 live charges · 2 lenders · oldest 22.9y
Refinance would be pressure-driven, not opportunity-driven. Expect tighter margins and covenant scrutiny.
- · Oldest live charge is 22.9 years old — likely at or near maturity.
- · Two lenders — manageable, but coordination required.
- · Distress signals active — lender appetite narrows.
Data confidence
Overall: medium (79/100)Adequate coverage. AI outputs are reliable for the sections scored high; verify the rest in diligence.
Sector-multiple EBITDA, turnover, and NAV-proxy valuation range with confidence tier — derived from extracted iXBRL financials.
Available from the Pro tier upwards.
See pricing →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 | 2025-04-30 | 2024-04-30 |
|---|---|---|
| Total assets | £557.3k | £533.2k |
| Cash | £29.8k | £4.3k |
| Net assets | £406.2k | £365.8k |
Amounts extracted automatically from iXBRL. Fields left blank were not reported or not mapped. Values in GBP unless stated.
1 signal 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
- • 1 confirmation-statement
- • 1 confirmation-statement
- • 1 confirmation-statement
- • 1 accounts
Corporate timeline (28 events)Click to expand
- 2025-11-18📄accounts-with-accounts-type-total-exemption-fullaccounts · AA
- 2025-01-27📄accounts-with-accounts-type-total-exemption-fullaccounts · AA
- 2024-01-24📄accounts-with-accounts-type-total-exemption-fullaccounts · AA
- 2022-11-15📄accounts-with-accounts-type-total-exemption-fullaccounts · AA
- 2022-01-21📄accounts-with-accounts-type-total-exemption-fullaccounts · AA
- 2021-01-28📄accounts-with-accounts-type-total-exemption-fullaccounts · AA
- 2020-01-27📄accounts-with-accounts-type-total-exemption-fullaccounts · AA
- 2019-01-24📄accounts-with-accounts-type-total-exemption-fullaccounts · AA
- 2018-01-31📄accounts-with-accounts-type-total-exemption-fullaccounts · AA
- 2016-11-24📄accounts-with-accounts-type-total-exemption-smallaccounts · AA
- 2016-04-20📄annual-return-company-with-made-up-date-full-list-shareholdersannual-return · AR01
- 2016-01-18📄accounts-with-accounts-type-total-exemption-smallaccounts · AA
- 2015-04-16📄annual-return-company-with-made-up-date-full-list-shareholdersannual-return · AR01
- 2014-12-17📄accounts-with-accounts-type-total-exemption-smallaccounts · AA
- 2014-04-11📄annual-return-company-with-made-up-date-full-list-shareholdersannual-return · AR01
- 2009-06-05🔒Charge registered #6Lender: Royal Bank of Scotland PLC
- 2007-09-25🔒Charge registered #5Lender: The Royal Bank of Scotland PLC
- 2003-09-12🔒Charge registered #4Lender: The Royal Bank of Scotland PLC
- 2003-07-21🔒Charge registered #3Lender: The Royal Bank of Scotland PLC
- 2003-07-18🔒Charge registered #2Lender: The Royal Bank of Scotland PLC
- 2003-05-15🔒Charge registered #1Lender: The Royal Bank of Scotland PLC
- 2003-04-28➖AHMAD, Anesha resigneddirector
- 2003-04-09🏢Company incorporatedAs A & H (SCOTLAND) LIMITED
- 2003-04-09➕AHMAD, Mumtaz appointedsecretary
- 2003-04-09➕KHALID, Honey appointeddirector
- 2003-04-09➕OSWALDS OF EDINBURGH LIMITED appointedcorporate-nominee-secretary
- 2003-04-09➖OSWALDS OF EDINBURGH LIMITED resignedcorporate-nominee-secretary
- 2003-04-09➕AHMAD, Anesha appointeddirector
Owner dependency
The business appears inseparable from the founder. Acquisition without a serious earn-out or meaningful transition period would likely destroy value.
- +Sole director: Only one active director — all governance concentrated on one person.
- +Long-tenure founder: Senior director has been in place 23 years — deep operational knowledge concentrated in one person.
- +Founder age: Director aged approximately 66 — succession pressure is live.
Succession & seller-readiness
Strong acquirability signals converging. Worth approaching directly — this is how off-market deals start.
- primaryFounder aged 63+: Senior director is approximately 66. Approaching typical UK retirement age — succession thinking likely.
- primarySole active director: Only one director in control. No visible successor — buyers solve the succession problem.
- primary20+ year tenure: Director in role 23 years. Very long tenure is a classic succession signal.
- secondaryStable-but-static management: Company is 23 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 lowHeavily leveraged with multiple live security positions — understand the capital structure before proceeding.
Shareholders & ownership
1 active beneficial owner| Name | Shares | Voting rights | Nature of control | Notified |
|---|---|---|---|---|
Mrs Honey Khalid Individual · British · DOB 05/1960 · age 66 | 25–50% | — | 25-50% shares | 01/04/2017 |
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.
See pricing →Similar companies
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9 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 (2 active · 2 resigned)
Click a director name to see their full track record across all companies.
Mortgages & charges
| Type | Properties | |||||
|---|---|---|---|---|---|---|
| outstanding | Lloyds Banking Group Royal Bank of Scotland PLC | Standard security | 1 property | 05/06/2009 | — | |
| outstanding | Lloyds Banking Group The Royal Bank of Scotland PLC | Standard security | 1 property | 25/09/2007 | — | |
| outstanding | Lloyds Banking Group The Royal Bank of Scotland PLC | Standard security | 1 property | 12/09/2003 | — | |
| outstanding | Lloyds Banking Group The Royal Bank of Scotland PLC | Standard security | 1 property | 21/07/2003 | — | |
| outstanding | Lloyds Banking Group The Royal Bank of Scotland PLC | Standard security | 1 property | 18/07/2003 | — | |
| outstanding | Lloyds Banking Group The Royal Bank of Scotland PLC | Bond & floating charge | 1 property | 15/05/2003 | — |