AS PROPERTIES (SCOTLAND) LTD

🌳Matureactive

SC529780 · ltd · incorporated 2016-03-16

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 9.2y old — refinance window within 12 months

🔒Estimated value

—

Upgrade to see

Turnover

—

year to Mar 2025

Net worth

£57.4k

book net assets

Opportunity

70/100

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: property-backed borrower with strong profile and acceptable with review structure.

Opportunity 70/100 (strong), bankability 70/100. Share purchase looks the cleaner deal structure. Most likely exit: strategic trade sale (63/100).

🏦

Refinance opportunity

8 live charges · oldest 9.2y

85/100

ready

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

· Oldest live charge is 9.2 years old — likely at or near maturity.
· Single lender — cleanest path to refinance.
· Legal-friction score 15/100 — clean.

Data confidence

Overall: high (81/100)

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

Lenders & charges

8 charges (8/8 with lender, 8/8 with type)

Directors & officers

3 officers (3 active, 3 linked, 3 with DOB)

Ownership & PSC

1 active PSC(s) of 1 total, 1 with control declared

Director network

4 connected companies via shared directors

Filing history

31 filings on record

Gazette notices

No matching gazette notices (standard for active companies)

🔒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

70/100Strong

PassWatchWorth a lookStrongExceptional

Solid opportunity signal. Worth a dedicated memo and management meeting.

Business quality

Adequate — check latest filings for context.

Acquirability

Some acquirability indicators.

Risk profile

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 £57,428

Cash YoY

+243%

Year on year

Key financials

2 years extracted from filed iXBRL accounts

Cash

£531

↑ 243% YoY

Net Worth

£57k

↑ 14% YoY

Current Assets

£48k

↑ 180% YoY

Current Liabilities

—

Hover to see exact values · click legend to toggle series

Financials

Extracted from Companies House accounts · accounting standard unknown

Metric	2025-03-31	2024-03-31
Total assets	£96.2k	£163.0k
Current assets	£48.5k	£17.3k
Cash	£531	£155
Debtors	£47.9k	£17.2k
Net assets	£57.4k	£50.5k

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

filing

• 1 confirmation-statement

Last 90 days

filing

• 1 confirmation-statement

Last 180 days

filings

• 1 confirmation-statement
• 1 accounts

Counts from Companies House filing history.

Corporate timeline (26 events)Click to expand

2025-11-03
📄
accounts-with-accounts-type-total-exemption-full
accounts · AA
2024-11-12
📄
accounts-with-accounts-type-total-exemption-full
accounts · AA
2023-11-10
📄
accounts-with-accounts-type-total-exemption-full
accounts · AA
2022-11-05
📄
accounts-with-accounts-type-total-exemption-full
accounts · AA
2021-06-08
📄
accounts-with-accounts-type-total-exemption-full
accounts · AA
2020-06-18
📄
accounts-with-accounts-type-total-exemption-full
accounts · AA
2019-08-08
📄
accounts-with-accounts-type-total-exemption-full
accounts · AA
2018-05-15
📄
accounts-with-accounts-type-total-exemption-full
accounts · AA
2017-10-03
📄
accounts-with-accounts-type-total-exemption-full
accounts · AA
2017-04-12
📄
appoint-person-director-company-with-name-date
officers · AP01
2017-04-12
📄
appoint-person-director-company-with-name-date
officers · AP01
2017-03-03
📄
mortgage-create-with-deed-with-charge-number-charge-creation-date
mortgage · MR01
2017-03-03
📄
mortgage-create-with-deed-with-charge-number-charge-creation-date
mortgage · MR01
2017-03-03
📄
mortgage-create-with-deed-with-charge-number-charge-creation-date
mortgage · MR01
2017-03-01
🔒
Charge registered #8
Lender: Bank of Scotland PLC
2017-03-01
🔒
Charge registered #7
Lender: Bank of Scotland PLC
2017-03-01
🔒
Charge registered #6
Lender: Bank of Scotland PLC
2017-02-28
🔒
Charge registered #5
Lender: Bank of Scotland PLC
2017-02-28
🔒
Charge registered #4
Lender: Bank of Scotland PLC
2017-02-28
🔒
Charge registered #3
Lender: Bank of Scotland PLC
2017-02-28
🔒
Charge registered #2
Lender: Bank of Scotland PLC
2017-02-27
➕
ASHRAF, Roxar appointed
director
2017-02-27
➕
ASHRAF, Shafina appointed
director
2017-02-10
🔒
Charge registered #1
Lender: Bank of Scotland PLC
2016-03-16
🏢
Company incorporated
As AS PROPERTIES (SCOTLAND) LTD
2016-03-16
➕
ASHRAF, Mohammed appointed
director

Owner dependency

58/100

Moderate — manageable with handover

Some founder dependency, but not acute. A structured handover period should cover most risk.

FACTORS

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

Succession & seller-readiness

35/100

Weak signal

Limited succession signal. Not a near-term off-market candidate.

SIGNALS

supportingClean filings + long tenure: Disciplined long-tenure operator — classic lifestyle-business pattern that often sells quietly.

Red flags

1 low

8 live charges

low

Heavily 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
Mr Mohammed Ashraf Individual · British · DOB 08/1971 · age 55	25–50%	—	25-50% shares	01/03/2017

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.

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AUDREY ROSE PROPERTY LIMITED→ SC708837 · est 2021 · no financials extracted	—	—	—	—	4y	—	—
AVANT LETTING SERVICES LIMITED→ SC471746 · est 2014 · no financials extracted	—	—	—	—	12y	—	—
AVISCENNA LIMITED→ SC445467 · est 2013 · no financials extracted	—	—	—	—	13y	—	—
AYZEL ENTERPRISES LTD→ SC820866 · est 2024 · no financials extracted	—	—	—	—	1y	—	—
BACHAN G LTD→ SC861852 · est 2025 · no financials extracted	—	—	—	—	—	—	—
BAILIE PROPERTY HOLDINGS LIMITED→ SC875726 · est 2026 · no financials extracted	—	—	—	—	—	—	—
BALMORAL REAL ESTATES 2 LTD→ SC601153 · est 2018 · no financials extracted	—	—	—	—	7y	—	—
BALNAGOWN LTD→ SC851375 · est 2025 · no financials extracted	—	—	—	—	—	—	—

Peers ranked by estimated value, then turnover, then opportunity score.See all →

🔒Tailored diligence questions

7 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

Incorporated2016-03-16

Jurisdictionscotland

Primary SIC68209 — Other letting and operating of own or leased real estate

Registered office

7 Chapmans Court

Wishaw

Lanarkshire

ML2 7PQ

United Kingdom

Filing status

Accounts

Next due: 2026-12-31

Last made up to: 2025-03-31

Confirmation statement

Next due: 2027-02-20

Last: 2026-02-06

Officers (3 active · 0 resigned)

ASHRAF, Mohammed→

director · ~55y · appointed 2016-03-16

View their other companies + combined net worth →

Active

ASHRAF, Roxar→

director · ~26y · appointed 2017-02-27

View their other companies + combined net worth →

Active

ASHRAF, Shafina→

director · ~47y · appointed 2017-02-27

View their other companies + combined net worth →

Active

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

Mortgages & charges

Total charges

Outstanding

Active lenders

Status:Lender:8 of 8 shown

		Type	Properties
outstanding	Lloyds Banking Group Bank of Scotland PLC	A registered charge	1 property	01/03/2017	—
outstanding	Lloyds Banking Group Bank of Scotland PLC	A registered charge	1 property	01/03/2017	—
outstanding	Lloyds Banking Group Bank of Scotland PLC	A registered charge	1 property	01/03/2017	—
outstanding	Lloyds Banking Group Bank of Scotland PLC	A registered charge	1 property	28/02/2017	—
outstanding	Lloyds Banking Group Bank of Scotland PLC	A registered charge	1 property	28/02/2017	—
outstanding	Lloyds Banking Group Bank of Scotland PLC	A registered charge	6 properties	28/02/2017	—
outstanding	Lloyds Banking Group Bank of Scotland PLC	A registered charge	7 properties	28/02/2017	—
outstanding	Lloyds Banking Group Bank of Scotland PLC	A registered charge	—	10/02/2017	—

Click column headers to sort. Use filters above to narrow by status and lender.