RAMANA SCOTLAND LTD
🌳Matureactive
SC344516 · ltd · incorporated 2008-06-18
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.
Opportunity decay
approaching window · 12-months
Approaching a transaction window — refinance or sale event plausible in the next 12 months.
- · Oldest live charge 17.6y old — refinance window within 12 months
🔒Estimated value
—
Upgrade to see
Turnover
—
year to Jun 2025
Net worth
£189.4k
book net assets
Opportunity
83/100
Exceptional
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 exceptional profile and bankable structure.
Opportunity 83/100 (exceptional), bankability 80/100. High owner-dependency — earn-out structure likely required for clean transition. Share purchase looks the cleaner deal structure. Biggest value-creation lever: Discharge stale live charges. 2 live charge(s) created 15+ years ago — likely paid but undischarged. Clean register. Most likely exit: share sale to pe / searcher (65/100).
🏦
Refinance opportunity
2 live charges · oldest 17.6y
65/100
clean up first
Refinance viable after a tidy-up — address the highlighted items first.
- · Oldest live charge is 17.6 years old — likely at or near maturity.
- · Single lender — cleanest path to refinance.
- · Legal-friction score 25/100 — workable, but lender will want more DD.
Data confidence
Overall: high (83/100)Strong data coverage across all sections. AI outputs should be trusted with minimal caveats.
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
2 charges (2/2 with lender, 2/2 with type)
90
Directors & officers
6 officers (3 active, 6 linked, 3 with DOB)
80
Ownership & PSC
3 active PSC(s) of 3 total, 3 with control declared
90
Director network
26 connected companies via shared directors
90
Filing history
56 filings on record
85
Gazette notices
No matching gazette notices (standard for active companies)
60
🔒Estimated company valuation
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 →Opportunity Score
83/100Exceptional
PassWatchWorth a lookStrongExceptional
Strong composite across quality, acquirability, and risk. High-priority target — progress to serious diligence.
Business quality
70
Active, clean filings, stable charge profile.
Acquirability
85
Strong succession / seller-readiness signals.
Risk profile
85
Few red flags.
Signal strength
100
Good data coverage for analysis.
Signals from accounts
Derived from iXBRL accounts · accounting standard not declaredPositive net assets
Net assets £189,402
Cash YoY
+93%
Year on year
Key financials
2 years extracted from filed iXBRL accountsCash
£83k
↑ 93% YoY
Net Worth
£189k
↑ 5.6% YoY
Current Assets
—
Current Liabilities
—
Hover to see exact values · click legend to toggle series
Financials
Extracted from Companies House accounts · accounting standard unknown| Metric | 2025-06-30 | 2024-06-30 |
|---|---|---|
| Total assets | £189.4k | £179.3k |
| Cash | £82.6k | £42.9k |
| Net assets | £189.4k | £179.3k |
Amounts extracted automatically from iXBRL. Fields left blank were not reported or not mapped. Values in GBP unless stated.
🔒Filing-note intelligence
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
Last 30 days
1
filing
- • 1 accounts
Last 90 days
1
filing
- • 1 accounts
Last 180 days
1
filing
- • 1 accounts
Counts from Companies House filing history.
Corporate timeline (28 events)Click to expand
- 2026-03-30📄accounts-with-accounts-type-total-exemption-fullaccounts · AA
- 2024-11-19📄accounts-with-accounts-type-total-exemption-fullaccounts · AA
- 2024-03-27📄accounts-with-accounts-type-total-exemption-fullaccounts · AA
- 2023-07-04📄change-person-director-company-with-change-dateofficers · CH01
- 2023-03-27📄accounts-with-accounts-type-total-exemption-fullaccounts · AA
- 2023-03-22📄change-to-a-person-with-significant-controlpersons-with-significant-control · PSC04
- 2023-03-22📄change-to-a-person-with-significant-controlpersons-with-significant-control · PSC04
- 2023-03-22📄change-to-a-person-with-significant-controlpersons-with-significant-control · PSC04
- 2023-03-22📄notification-of-a-person-with-significant-controlpersons-with-significant-control · PSC01
- 2023-03-22📄notification-of-a-person-with-significant-controlpersons-with-significant-control · PSC01
- 2022-02-22📄accounts-with-accounts-type-total-exemption-fullaccounts · AA
- 2021-01-08📄accounts-with-accounts-type-total-exemption-fullaccounts · AA
- 2020-02-20📄accounts-with-accounts-type-total-exemption-fullaccounts · AA
- 2019-12-20📄change-person-director-company-with-change-dateofficers · CH01
- 2019-03-27📄accounts-with-accounts-type-total-exemption-fullaccounts · AA
- 2018-03-28📄accounts-with-accounts-type-total-exemption-fullaccounts · AA
- 2016-11-01➖AHMED, Raza resignedsecretary
- 2010-01-19🔒Charge registered #2Lender: Clydesdale Bank PLC
- 2008-10-06🔒Charge registered #1Lender: Clydesdale Bank PLC
- 2008-06-18🏢Company incorporatedAs RAMANA SCOTLAND LTD
- 2008-06-18➕AHMED, Naeem appointeddirector
- 2008-06-18➕AHMED, Raza appointeddirector
- 2008-06-18➕ALI, Mubarak appointeddirector
- 2008-06-18➕AHMED, Raza appointedsecretary
- 2008-06-18➕CREDITREFORM (SECRETARIES) LIMITED appointedcorporate-secretary
- 2008-06-18➖CREDITREFORM (SECRETARIES) LIMITED resignedcorporate-secretary
- 2008-06-18➕CREDITREFORM (DIRECTORS) LIMITED appointedcorporate-director
- 2008-06-18➖CREDITREFORM (DIRECTORS) LIMITED resignedcorporate-director
Owner dependency
76/100
High — earn-out structure requiredMaterial founder dependency. Consider a 2-3 year earn-out and build in a handover plan before completion.
FACTORS
- +Long-tenure founder: Senior director has been in place 18 years — deep operational knowledge concentrated in one person.
- +Senior director age: Director aged approximately 58 — approaching natural succession window.
- +Family involvement: Multiple officers share a surname — likely family business, which concentrates governance.
Succession & seller-readiness
63/100
Strong succession signalMultiple signals suggest succession is on the horizon. Candidate for proactive outreach.
SIGNALS
- secondaryFounder aged 58+: Senior director is approximately 58. Early succession window.
- secondary12+ year tenure: Director in role 18 years.
- secondaryStable-but-static management: Company is 18 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
cleanNo red flags detected from available public data. (This is not a clean bill of health — detailed accounts review still recommended.)
Shareholders & ownership
3 active beneficial owners| Name | Shares | Voting rights | Nature of control | Notified |
|---|---|---|---|---|
Mr Mubarak Ali Individual · British · DOB 04/1968 · age 58 | 25–50% | 25–50% | board control25-50% shares · 25-50% voting · board control | 22/03/2023 |
Mr Naeem Ahmed Individual · British · DOB 09/1968 · age 58 | 25–50% | 25–50% | board control25-50% shares · 25-50% voting · board control | 22/03/2023 |
Mr Raza Ahmed Individual · Pakistani · DOB 05/1970 · age 56 | 25–50% | 25–50% | board control25-50% shares · 25-50% voting · board control | 01/06/2017 |
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 →Similar companies
Active · Property · G postcode area| Company | Est. value | Turnover | Net worth | Staff | Age | Opp | Director |
|---|---|---|---|---|---|---|---|
| ALLAN PROPERTY LTD→ SC657444 · est 2020 · no financials extracted | — | — | — | — | 6y | — | — |
| ALO HOMES LIMITED→ SC748867 · est 2022 · no financials extracted | — | — | — | — | 3y | — | — |
| AM PLUS LETTINGS LTD→ SC818783 · est 2024 · no financials extracted | — | — | — | — | 1y | — | — |
| AMIZ PROPERTIES LTD→ SC742333 · est 2022 · no financials extracted | — | — | — | — | 3y | — | — |
| AMOR CLOE PROPERTIES LTD→ SC809580 · est 2024 · no financials extracted | — | — | — | — | 1y | — | — |
| AMS MANAGEMENT SERVICES LIMITED→ SC593932 · est 2018 · no financials extracted | — | — | — | — | 8y | — | — |
| AN CALA PROPERTIES LIMITED→ SC819196 · est 2024 · no financials extracted | — | — | — | — | 1y | — | — |
| ANCHOR INDUSTRIAL HOLDINGS LIMITED→ SC881784 · est 2026 · no financials extracted | — | — | — | — | — | — | — |
| AND ORR HOMES LTD→ SC700820 · est 2021 · no financials extracted | — | — | — | — | 4y | — | — |
| ANDEENA LTD→ SC848783 · est 2025 · no financials extracted | — | — | — | — | — | — | — |
| ANDERLEE PROPERTY SERVICES LIMITED→ SC784623 · est 2023 · no financials extracted | — | — | — | — | 2y | — | — |
| ANDERSON & CO. PROPERTY LTD→ SC852751 · est 2025 · no financials extracted | — | — | — | — | — | — | — |
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
Incorporated2008-06-18
Jurisdictionscotland
Primary SIC68209 — Other letting and operating of own or leased real estate
Registered office
95-107 Lancefield Street
Glasgow
G3 8HZ
Filing status
Accounts
Next due: 2027-03-31
Last made up to: 2025-06-30
Confirmation statement
Next due: 2026-06-15
Last: 2025-06-01
Officers (3 active · 3 resigned)
AHMED, Naeem→
Activedirector · ~58y · appointed 2008-06-18
View their other companies + combined net worth →
Active
ALI, Mubarak→
Activedirector · ~58y · appointed 2008-06-18
View their other companies + combined net worth →
AHMED, Raza→
Resignedsecretary · appointed 2008-06-18 · resigned 2016-11-01
CREDITREFORM (SECRETARIES) LIMITED→
Resignedcorporate-secretary · appointed 2008-06-18 · resigned 2008-06-18
CREDITREFORM (DIRECTORS) LIMITED→
Resignedcorporate-director · appointed 2008-06-18 · resigned 2008-06-18
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 | Standard security | 1 property | 19/01/2010 | — | |
| outstanding | Virgin Money Clydesdale Bank PLC | Standard security | 1 property | 06/10/2008 | — |
Click column headers to sort. Use filters above to narrow by status and lender.
Recent filings (56 total)
accounts-with-accounts-type-total-exemption-full
accounts · AA
2026-03-30
confirmation-statement-with-no-updates
confirmation-statement · CS01
2025-06-23
accounts-with-accounts-type-total-exemption-full
accounts · AA
2024-11-19
confirmation-statement-with-no-updates
confirmation-statement · CS01
2024-06-24
accounts-with-accounts-type-total-exemption-full
accounts · AA
2024-03-27
change-person-director-company-with-change-date
officers · CH01
2023-07-04
confirmation-statement-with-no-updates
confirmation-statement · CS01
2023-06-27
accounts-with-accounts-type-total-exemption-full
accounts · AA
2023-03-27
change-to-a-person-with-significant-control
persons-with-significant-control · PSC04
2023-03-22
change-to-a-person-with-significant-control
persons-with-significant-control · PSC04
2023-03-22
change-to-a-person-with-significant-control
persons-with-significant-control · PSC04
2023-03-22
notification-of-a-person-with-significant-control
persons-with-significant-control · PSC01
2023-03-22
notification-of-a-person-with-significant-control
persons-with-significant-control · PSC01
2023-03-22
confirmation-statement-with-no-updates
confirmation-statement · CS01
2022-06-07
accounts-with-accounts-type-total-exemption-full
accounts · AA
2022-02-22