FINE STAR UK LTD

🌳Matureactive
SC454645 · ltd · incorporated 2013-07-17
Investment thesis
Well-run mature business — low negotiation leverage; premium likely.
Why interesting: Textbook target; clean filings, stable trading.
Why risky: No pressure on seller; any deal likely at full price.
Opportunity decay
approaching window · 12-months
Approaching a transaction window — refinance or sale event plausible in the next 12 months.
  • · Oldest live charge 4.7y old — refinance window within 12 months
🔒Estimated value
—
Upgrade to see
Turnover
—
year to Jul 2025
Net worth
£220.6k
book net assets
Opportunity
75/100
Strong
🔔
Follow this company (free)
Email alerts on filings, charges, director changes, gazette notices. No account needed.

Unsubscribe any time from any email. GDPR-respectful.

🔒Generate AI memo →🔒Outreach pack →🔒Corporate story →📑 Reports →Sign in to watch
What this business does
Primary activity: Other retail sale in non-specialised stores
Sector: Wholesale & retail
Investor take
Pursue
Strong opportunity: active trading company with strong profile and bankable structure.

Opportunity 75/100 (strong), bankability 80/100. High owner-dependency — earn-out structure likely required for clean transition. Share purchase looks the cleaner deal structure. Most likely exit: share sale to pe / searcher (58/100).

🏦

Refinance opportunity

2 live charges · oldest 4.7y

75/100
ready

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

  • · Charge age ~4.7 years — mid-life; refi window approaching.
  • · Single lender — cleanest path to refinance.
  • · Legal-friction score 15/100 — clean.

Data confidence

Overall: medium (78/100)

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
2 charges (2/2 with lender, 2/2 with type)
90
Directors & officers
4 officers (2 active, 4 linked, 4 with DOB)
90
Ownership & PSC
2 active PSC(s) of 2 total, 2 with control declared
90
Director network
Network not yet resolved
30
Filing history
39 filings on record
85
Gazette notices
No matching gazette notices (standard for active companies)
60
Opportunity Score
75/100Strong
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
85
Few red flags.
Signal strength
100
Good data coverage for analysis.

Signals from accounts

Derived from iXBRL accounts · accounting standard not declared
Positive net assets
Net assets £220,614
Cash YoY
+6%
Year on year

Key financials

2 years extracted from filed iXBRL accounts
Cash
£7k
↑ 6.5% YoY
Net Worth
£221k
↑ 6.4% YoY
Current Assets
£604k
↓ 3.1% YoY
Current Liabilities
—
£0£125k£249k£374k£498k£623kJul 2024Jul 2025

Hover to see exact values · click legend to toggle series

Financials

Extracted from Companies House accounts · accounting standard unknown
Metric2025-07-312024-07-31
Total assets£285.7k£225.9k
Current assets£603.7k£622.9k
Cash£7.3k£6.8k
Debtors£596.4k£616.1k
Net assets£220.6k£207.3k

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
0
filings
Last 90 days
1
filing
  • • 1 accounts
Last 180 days
1
filing
  • • 1 accounts
Counts from Companies House filing history.
Corporate timeline (26 events)Click to expand
  1. 2026-03-09
    📄
    accounts-with-accounts-type-unaudited-abridged
    accounts · AA
  2. 2025-04-28
    📄
    accounts-with-accounts-type-unaudited-abridged
    accounts · AA
  3. 2024-03-27
    📄
    accounts-with-accounts-type-micro-entity
    accounts · AA
  4. 2022-11-21
    📄
    accounts-with-accounts-type-micro-entity
    accounts · AA
  5. 2022-09-16
    📍
    change-registered-office-address-company-with-date-old-address-new-address
    address · AD01
  6. 2022-05-26
    📄
    accounts-with-accounts-type-micro-entity
    accounts · AA
  7. 2021-11-16
    📄
    mortgage-create-with-deed-with-charge-number-charge-creation-date
    mortgage · MR01
  8. 2021-10-29
    🔒
    Charge registered #2
    Lender: The Royal Bank of Scotland PLC
  9. 2021-09-02
    📄
    mortgage-create-with-deed-with-charge-number-charge-creation-date
    mortgage · MR01
  10. 2021-08-25
    🔒
    Charge registered #1
    Lender: The Royal Bank of Scotland PLC
  11. 2021-04-30
    📄
    accounts-with-accounts-type-unaudited-abridged
    accounts · AA
  12. 2021-04-22
    ➕
    SHABBIR, Ashia appointed
    director
  13. 2021-04-22
    📄
    appoint-person-director-company-with-name-date
    officers · AP01
  14. 2021-04-22
    📄
    notification-of-a-person-with-significant-control
    persons-with-significant-control · PSC01
  15. 2021-03-10
    📍
    change-registered-office-address-company-with-date-old-address-new-address
    address · AD01
  16. 2020-04-30
    📄
    accounts-with-accounts-type-micro-entity
    accounts · AA
  17. 2019-06-03
    📍
    change-registered-office-address-company-with-date-old-address-new-address
    address · AD01
  18. 2019-04-24
    📄
    accounts-with-accounts-type-micro-entity
    accounts · AA
  19. 2018-11-08
    📄
    notification-of-a-person-with-significant-control
    persons-with-significant-control · PSC01
  20. 2018-04-19
    📄
    accounts-with-accounts-type-micro-entity
    accounts · AA
  21. 2015-05-01
    ➖
    AKHTAR, Hani resigned
    director
  22. 2015-05-01
    ➖
    ASIM, Muhammad resigned
    director
  23. 2014-03-01
    ➕
    AKHTAR, Hani appointed
    director
  24. 2014-03-01
    ➕
    ASIM, Muhammad appointed
    director
  25. 2013-07-17
    🏢
    Company incorporated
    As FINE STAR UK LTD
  26. 2013-07-17
    ➕
    SHABBIR, Ashar 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

49/100
Moderate signal

Some succession indicators present. Worth watching; approach if sector/strategy fits.

SIGNALS
  • secondaryTwo-director governance: Small-team governance. Succession depth is thin but not absent.
  • secondary12+ year tenure: Director in role 13 years.
  • supportingClean filings + long tenure: Disciplined long-tenure operator — classic lifestyle-business pattern that often sells quietly.

Red flags

clean
No red flags detected from available public data. (This is not a clean bill of health — detailed accounts review still recommended.)

Shareholders & ownership

2 active beneficial owners · dominant holder ≥75%
NameSharesVoting rightsNature of controlNotified
Mr Ashar Shabbir
Individual · British · DOB 02/1979 · age 47
75–100%
—75-100% shares01/10/2018
Mrs Ashia Shabbir
Individual · British · DOB 07/1982 · age 44
25–50%
—25-50% shares22/04/2021

From Companies House Persons with Significant Control filings. Share ranges are banded per the public PSC regime.

Similar companies

Active · Retail · EH postcode area
CompanyEst. valueTurnoverNet worthStaffAgeOppDirector
FARRUKH RIZWAN LTD→
SC671663 · est 2020 · no financials extracted
————5y——
FASHIONNEW PRO LIMITED→
SC881444 · est 2026 · no financials extracted
———————
FDIRECT LTD→
SC668461 · est 2020 · no financials extracted
————5y——
FESTIVAL FRINGE TRADING LIMITED→
SC130813 · est 1991 · no financials extracted
————35y——
FIT FOR PURPOSE GOLF LTD→
SC777628 · est 2023 · no financials extracted
————2y——
FITZGERALDS VINTAGE EMPORIUM LTD→
SC784785 · est 2023 · no financials extracted
————2y——
FKA HNL LTD→
SC646493 · est 2019 · no financials extracted
————6y——
FLOWERS INC. LTD.→
SC690901 · est 2021 · no financials extracted
————5y——
FLUSH AND FRESH LTD→
SC883885 · est 2026 · no financials extracted
———————
FOG'S TABLETOP GAMES LIMITED→
SC882100 · est 2026 · no financials extracted
———————
FONE BOX CAMERON TOLL LIMITED→
SC872382 · est 2025 · no financials extracted
———————
FONE BOX WAVERLEY LIMITED→
SC879600 · est 2026 · 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
Incorporated2013-07-17
Jurisdictionscotland
Primary SIC47190 — Other retail sale in non-specialised stores

Registered office

54 West Cairn View
Murieston
Livingston
EH54 9FF
Scotland

Filing status

Accounts
Next due: 2027-04-30
Last made up to: 2025-07-31
Confirmation statement
Next due: 2026-05-06
Last: 2025-04-22

Officers (2 active · 2 resigned)

SHABBIR, Ashar→
director · ~47y · appointed 2013-07-17
View their other companies + combined net worth →
Active
SHABBIR, Ashia→
director · ~44y · appointed 2021-04-22
View their other companies + combined net worth →
Active
AKHTAR, Hani→
director · ~43y · appointed 2014-03-01 · resigned 2015-05-01
Resigned
ASIM, Muhammad→
director · ~44y · appointed 2014-03-01 · resigned 2015-05-01
Resigned

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
TypeProperties
outstanding
Lloyds Banking Group
The Royal Bank of Scotland PLC
A registered charge1 property29/10/2021—
outstanding
Lloyds Banking Group
The Royal Bank of Scotland PLC
A registered charge—25/08/2021—
Click column headers to sort. Use filters above to narrow by status and lender.

Recent filings (39 total)

accounts-with-accounts-type-unaudited-abridged
accounts · AA
2026-03-09
confirmation-statement-with-no-updates
confirmation-statement · CS01
2025-04-29
accounts-with-accounts-type-unaudited-abridged
accounts · AA
2025-04-28
confirmation-statement-with-no-updates
confirmation-statement · CS01
2024-05-20
accounts-with-accounts-type-micro-entity
accounts · AA
2024-03-27
confirmation-statement-with-no-updates
confirmation-statement · CS01
2023-05-09
accounts-with-accounts-type-micro-entity
accounts · AA
2022-11-21
change-registered-office-address-company-with-date-old-address-new-address
address · AD01
2022-09-16
confirmation-statement-with-no-updates
confirmation-statement · CS01
2022-09-16
accounts-with-accounts-type-micro-entity
accounts · AA
2022-05-26
mortgage-create-with-deed-with-charge-number-charge-creation-date
mortgage · MR01
2021-11-16
mortgage-create-with-deed-with-charge-number-charge-creation-date
mortgage · MR01
2021-09-02
accounts-with-accounts-type-unaudited-abridged
accounts · AA
2021-04-30
confirmation-statement-with-updates
confirmation-statement · CS01
2021-04-22
appoint-person-director-company-with-name-date
officers · AP01
2021-04-22