ATRAH LIMITED

🏛️Establishedactive
SC651619 · ltd · incorporated 2020-01-15
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.
Why now
Window steady · medium confidence
Mixed signals — 1 changes over 30 days, no clear direction yet.
  • · Live charges: 6 → 7
What changed my view
Last 30 days

Picture worsened over the last 30 days — 1 negative signal vs 0 positive.

  • ↓Live charges: 6 → 7
Last 90 days

No snapshot from 90 days ago — start tracking from today.

Last 180 days

No snapshot from 180 days ago — start tracking from today.

🔒Estimated value
—
Upgrade to see
Turnover
—
year to Aug 2025
Net worth
£-64.9k
book net assets
Opportunity
70/100
Strong
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What this business does
Primary activity: Buying and selling of own real estate
Sector: Real estate
ALSO REGISTERED FOR
  • 68209Other letting and operating of own or leased real estate
  • 68320Management of real estate on a fee or contract basis
Investor take
Pass (distressed without resilience)
Distressed property-backed borrower — structural issues outweigh the discount.

Opportunity 70/100 (strong), bankability 57/100. High owner-dependency — earn-out structure likely required for clean transition. Share purchase looks the cleaner deal structure. Biggest value-creation lever: Consolidate lender relationships. 5 distinct lenders creates friction — refinance into single-lender structure for cleaner diligence. Most likely exit: distressed disposal / insolvency (65/100).

🏦

Refinance opportunity

7 live charges · 5 lenders · oldest 4.9y

25/100
too messy

Refinance path is blocked by complexity. Rethink structure or expect bespoke, expensive terms.

  • · Charge age ~4.9 years — mid-life; refi window approaching.
  • · 5 lenders named — inter-creditor friction likely.
  • · Legal-friction score 25/100 — workable, but lender will want more DD.

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, 3 SIC codes, incorporation date
100
Financials
2 years of iXBRL accounts extracted (YoY deltas available) + narrative notes parsed
75
Lenders & charges
7 charges (7/7 with lender, 7/7 with type)
90
Directors & officers
2 officers (2 active, 2 linked, 2 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
28 filings on record
85
Gazette notices
No matching gazette notices (standard for active companies)
60
Opportunity Score
70/100Strong
PassWatchWorth a lookStrongExceptional 

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

Business quality
55
Adequate — check latest filings for context.
Acquirability
55
Some acquirability indicators.
Risk profile
82
Few red flags.
Signal strength
100
Good data coverage for analysis.

Signals from accounts

Derived from iXBRL accounts · accounting standard not declared
Negative net assets
Liabilities exceed assets by £64,942
Cash YoY
+88%
Year on year

Key financials

2 years extracted from filed iXBRL accounts
Cash
£7k
↑ 88% YoY
Net Worth
-£65k
↓ 59% YoY
Current Assets
—
Current Liabilities
—
-£65k-£50k-£36k-£22k-£7k£7kAug 2024Aug 2025

Hover to see exact values · click legend to toggle series

Financials

Extracted from Companies House accounts · accounting standard unknown
Metric2025-08-312024-08-31
Total assets£496.9k£375.8k
Cash£7.4k£3.9k
Net assets£-64.9k£-40.8k

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
1
filing
  • • 1 mortgage
Last 90 days
1
filing
  • • 1 mortgage
Last 180 days
1
filing
  • • 1 mortgage
Counts from Companies House filing history.
Corporate timeline (28 events)Click to expand
  1. 2026-06-26
    📄
    mortgage-create-with-deed-with-charge-number-charge-creation-date
    mortgage · MR01
  2. 2026-06-23
    🔒
    Charge registered #7
    Lender: Kensington Mortgage Company Limited
  3. 2025-12-18
    📄
    mortgage-create-with-deed-with-charge-number-charge-creation-date
    mortgage · MR01
  4. 2025-12-05
    📄
    accounts-with-accounts-type-total-exemption-full
    accounts · AA
  5. 2025-12-05
    🔒
    Charge registered #6
    Lender: Paratus Amc Limited
  6. 2025-01-21
    📄
    mortgage-create-with-deed-with-charge-number-charge-creation-date
    mortgage · MR01
  7. 2025-01-16
    🔒
    Charge registered #5
    Lender: Kensington Mortgage Company Limited
  8. 2024-12-06
    📄
    accounts-with-accounts-type-total-exemption-full
    accounts · AA
  9. 2024-11-27
    📄
    mortgage-create-with-deed-with-charge-number-charge-creation-date
    mortgage · MR01
  10. 2024-11-18
    🔒
    Charge registered #4
    Lender: Kensington Mortgage Company Limited
  11. 2023-11-14
    📄
    accounts-with-accounts-type-total-exemption-full
    accounts · AA
  12. 2023-09-05
    📄
    mortgage-create-with-deed-with-charge-number-charge-creation-date
    mortgage · MR01
  13. 2023-08-31
    🔒
    Charge registered #3
    Lender: Charter Court Financial Services Limited Trading as Precise Mortgages
  14. 2022-11-10
    📄
    accounts-with-accounts-type-total-exemption-full
    accounts · AA
  15. 2022-10-05
    📄
    mortgage-create-with-deed-with-charge-number-charge-creation-date
    mortgage · MR01
  16. 2022-09-29
    🔒
    Charge registered #2
    Lender: Aldermore Bank PLC
  17. 2021-11-22
    📄
    accounts-with-accounts-type-total-exemption-full
    accounts · AA
  18. 2021-09-18
    📄
    mortgage-create-with-deed-with-charge-number-charge-creation-date
    mortgage · MR01
  19. 2021-09-15
    📄
    accounts-with-accounts-type-dormant
    accounts · AA
  20. 2021-09-15
    📄
    change-account-reference-date-company-current-shortened
    accounts · AA01
  21. 2021-09-03
    🔒
    Charge registered #1
    Lender: The Mortgage Works (UK) PLC
  22. 2021-01-14
    📄
    withdrawal-of-a-person-with-significant-control-statement
    persons-with-significant-control · PSC09
  23. 2020-11-18
    📄
    change-to-a-person-with-significant-control
    persons-with-significant-control · PSC04
  24. 2020-11-18
    📄
    change-to-a-person-with-significant-control
    persons-with-significant-control · PSC04
  25. 2020-11-18
    📍
    change-registered-office-address-company-with-date-old-address-new-address
    address · AD01
  26. 2020-01-15
    🏢
    Company incorporated
    As ATRAH LIMITED
  27. 2020-01-15
    ➕
    ABBAS, Maya, Dr appointed
    director
  28. 2020-01-15
    ➕
    ATRAH, Ali, Dr appointed
    director

Owner dependency

78/100
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.
  • +Founder name in company name: Company name contains director surname "ATRAH" — strong identity link between founder and business.
  • +No director turnover: Company is 7 years old with no director changes — suggests a very tight-knit founder team never broadened.

Succession & seller-readiness

36/100
Weak signal

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

SIGNALS
  • secondaryTwo-director governance: Small-team governance. Succession depth is thin but not absent.

Red flags

1 low
7 live charges
low

Heavily leveraged with multiple live security positions — understand the capital structure before proceeding.

Shareholders & ownership

2 active beneficial owners
NameSharesVoting rightsNature of controlNotified
Dr Ali Atrah
Individual · British · DOB 01/1974 · age 52
25–50%
25–50%25-50% shares · 25-50% voting15/01/2020
Dr Maya Abbas
Individual · British · DOB 11/1975 · age 51
25–50%
25–50%25-50% shares · 25-50% voting15/01/2020

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

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

8 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
Incorporated2020-01-15
Jurisdictionscotland
Primary SIC68100 — Buying and selling of own real estate

Registered office

2 Telfer Court
Larkhall
ML9 2WD
Scotland

Filing status

Accounts
Next due: 2027-05-31
Last made up to: 2025-08-31
Confirmation statement
Next due: 2026-10-09
Last: 2025-09-25

Officers (2 active · 0 resigned)

ABBAS, Maya, Dr→
director · ~51y · appointed 2020-01-15
View their other companies + combined net worth →
Active
ATRAH, Ali, Dr→
director · ~52y · appointed 2020-01-15
View their other companies + combined net worth →
Active

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

Mortgages & charges

7
Total charges
7
Outstanding
5
Active lenders
Status:Lender:7 of 7 shown
TypeProperties
outstanding
Kensington Mortgage Company
Kensington Mortgage Company Limited
A registered charge1 property23/06/2026—
outstanding
Paratus Amc
Paratus Amc Limited
A registered charge1 property05/12/2025—
outstanding
Kensington Mortgage Company
Kensington Mortgage Company Limited
A registered charge1 property16/01/2025—
outstanding
Kensington Mortgage Company
Kensington Mortgage Company Limited
A registered charge1 property18/11/2024—
outstanding
Precise Mortgages
Charter Court Financial Services Limited Trading as Precise Mortgages
A registered charge1 property31/08/2023—
outstanding
Aldermore
Aldermore Bank PLC
A registered charge1 property29/09/2022—
outstanding
The Mortgage Works (UK)
The Mortgage Works (UK) PLC
A registered charge1 property03/09/2021—
Click column headers to sort. Use filters above to narrow by status and lender.

Recent filings (28 total)

mortgage-create-with-deed-with-charge-number-charge-creation-date
mortgage · MR01
2026-06-26
mortgage-create-with-deed-with-charge-number-charge-creation-date
mortgage · MR01
2025-12-18
accounts-with-accounts-type-total-exemption-full
accounts · AA
2025-12-05
confirmation-statement-with-updates
confirmation-statement · CS01
2025-09-25
confirmation-statement-with-no-updates
confirmation-statement · CS01
2025-01-24
mortgage-create-with-deed-with-charge-number-charge-creation-date
mortgage · MR01
2025-01-21
accounts-with-accounts-type-total-exemption-full
accounts · AA
2024-12-06
mortgage-create-with-deed-with-charge-number-charge-creation-date
mortgage · MR01
2024-11-27
confirmation-statement-with-no-updates
confirmation-statement · CS01
2024-01-29
accounts-with-accounts-type-total-exemption-full
accounts · AA
2023-11-14
mortgage-create-with-deed-with-charge-number-charge-creation-date
mortgage · MR01
2023-09-05
confirmation-statement-with-no-updates
confirmation-statement · CS01
2023-02-02
accounts-with-accounts-type-total-exemption-full
accounts · AA
2022-11-10
mortgage-create-with-deed-with-charge-number-charge-creation-date
mortgage · MR01
2022-10-05
confirmation-statement-with-updates
confirmation-statement · CS01
2022-02-01