AMS ESTATE LTD
🏛️Establishedactive
SC663362 · ltd · incorporated 2020-06-08
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.
🔒Estimated value
—
Upgrade to see
Turnover
—
year to Jun 2025
Net worth
—
book net assets
Opportunity
78/100
Strong
What this business does
Primary activity: Buying and selling of own real estate
Sector: Real estate
Investor take
PursueProperty-backed borrower with a 69-year-old founder — textbook succession opportunity.
Opportunity 78/100 (strong), bankability 80/100. Strong seller-intent signal (60/100, director aged 69). Share purchase looks the cleaner deal structure. Most likely exit: share sale to pe / searcher (73/100).
🏦
Refinance opportunity
2 live charges · oldest 2.3y
50/100
clean up first
Refinance viable after a tidy-up — address the highlighted items first.
- · Newest facility, 2.3 years old — likely still in initial term.
- · 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
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
22 filings on record
85
Gazette notices
No matching gazette notices (standard for active companies)
60
Opportunity Score
78/100Strong
PassWatchWorth a lookStrongExceptional
Solid opportunity signal. Worth a dedicated memo and management meeting.
Business quality
65
Adequate — check latest filings for context.
Acquirability
75
Strong succession / seller-readiness signals.
Risk profile
82
Few red flags.
Signal strength
100
Good data coverage for analysis.
Key financials
2 years extracted from filed iXBRL accountsCash
—
Net Worth
—
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 |
|---|
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
2
filings
- • 1 accounts
- • 1 address
Last 180 days
3
filings
- • 1 accounts
- • 1 address
- • 1 confirmation-statement
Counts from Companies House filing history.
Corporate timeline (21 events)Click to expand
- 2026-03-31📄accounts-with-accounts-type-micro-entityaccounts · AA
- 2026-02-09📍change-registered-office-address-company-with-date-old-address-new-addressaddress · AD01
- 2025-07-03📄change-person-director-company-with-change-dateofficers · CH01
- 2025-07-03📍change-registered-office-address-company-with-date-old-address-new-addressaddress · AD01
- 2025-03-10📄mortgage-create-with-deed-with-charge-number-charge-creation-datemortgage · MR01
- 2025-02-20🔒Charge registered #2Lender: Hsbc UK Bank PLC
- 2024-12-05📄accounts-with-accounts-type-micro-entityaccounts · AA
- 2024-03-24📄accounts-with-accounts-type-dormantaccounts · AA
- 2024-02-05📄mortgage-create-with-deed-with-charge-number-charge-creation-datemortgage · MR01
- 2024-02-01🔒Charge registered #1Lender: Hsbc UK Bank PLC
- 2023-11-20📄appoint-person-director-company-with-name-dateofficers · AP01
- 2023-11-19📄change-to-a-person-with-significant-controlpersons-with-significant-control · PSC04
- 2023-11-19📄notification-of-a-person-with-significant-controlpersons-with-significant-control · PSC01
- 2023-11-17➕KHALID, Nobeela appointeddirector
- 2023-03-23📄accounts-with-accounts-type-dormantaccounts · AA
- 2022-02-04✏️certificate-change-of-name-companychange-of-name · CERTNM
- 2021-09-29📄accounts-with-accounts-type-dormantaccounts · AA
- 2021-07-10📍change-registered-office-address-company-with-date-old-address-new-addressaddress · AD01
- 2020-06-08🏢Company incorporatedAs AMS ESTATE LTD
- 2020-06-08➕CHOUDRY, Sitwat Salman appointeddirector
- 2020-06-08📄incorporation-companyincorporation · NEWINC
Owner dependency
78/100
High — earn-out structure requiredMaterial 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 age: Director aged approximately 69 — succession pressure is live.
- +No director turnover: Company is 6 years old with no director changes — suggests a very tight-knit founder team never broadened.
Succession & seller-readiness
56/100
Strong succession signalMultiple signals suggest succession is on the horizon. Candidate for proactive outreach.
SIGNALS
- primaryFounder aged 63+: Senior director is approximately 69. Approaching typical UK retirement age — succession thinking likely.
- secondaryTwo-director governance: Small-team governance. Succession depth is thin but not absent.
Red flags
1 lowMultiple registered office changes
lowMultiple address changes in a short period can indicate operational instability or admin disorder.
Shareholders & ownership
2 active beneficial owners| Name | Shares | Voting rights | Nature of control | Notified |
|---|---|---|---|---|
Mrs Nobeela Khalid Individual · British · DOB 06/1957 · age 69 | 25–50% | 25–50% | 25-50% shares · 25-50% voting | 17/11/2023 |
Mrs Sitwat Salman Choudry Individual · British · DOB 10/1981 · age 45 | 25–50% | 25–50% | board control25-50% shares · 25-50% voting · board control | 08/06/2020 |
From Companies House Persons with Significant Control filings. Share ranges are banded per the public PSC regime.
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|---|---|---|---|---|---|---|---|
| BEACON LETS LIMITED→ SC624622 · est 2019 · no financials extracted | — | — | — | — | 7y | — | — |
| BEAT HOLLOW LIMITED→ SC727276 · est 2022 · no financials extracted | — | — | — | — | 4y | — | — |
| BEATTIE ASSETS LTD→ SC764469 · est 2023 · no financials extracted | — | — | — | — | 3y | — | — |
| BELGATE (DUNFERMLINE) LIMITED→ SC835085 · est 2025 · no financials extracted | — | — | — | — | 1y | — | — |
| BELL DEVELOPMENTS (SCOTLAND) LIMITED→ SC113130 · est 1988 · no financials extracted | — | — | — | — | 37y | — | — |
| BELLCOVE LIMITED→ SC504444 · est 2015 · no financials extracted | — | — | — | — | 10y | — | — |
| BENBOW PROPERTIES LIMITED→ SC528482 · est 2016 · no financials extracted | — | — | — | — | 10y | — | — |
| BENZIE & CO. LIMITED→ SC826118 · est 2024 · no financials extracted | — | — | — | — | 1y | — | — |
| BHIK PROPERTY LTD→ SC665660 · est 2020 · no financials extracted | — | — | — | — | 5y | — | — |
| BIG PROPERTY (SCOTLAND) LTD.→ SC392390 · est 2011 · no financials extracted | — | — | — | — | 15y | — | — |
| BLACK PONY LIMITED→ SC598295 · est 2018 · no financials extracted | — | — | — | — | 7y | — | — |
| BLACKBRIDGE LIMITED→ SC245645 · est 2003 · no financials extracted | — | — | — | — | 23y | — | — |
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
Incorporated2020-06-08
Jurisdictionscotland
Primary SIC68100 — Buying and selling of own real estate
Registered office
13 Corrie Crescent
Newton Mearns
Glasgow
G77 5XP
Scotland
Filing status
Accounts
Next due: 2027-03-31
Last made up to: 2025-06-30
Confirmation statement
Next due: 2026-12-02
Last: 2025-11-18
Officers (2 active · 0 resigned)
CHOUDRY, Sitwat Salman→
Activedirector · ~45y · appointed 2020-06-08
View their other companies + combined net worth →
KHALID, Nobeela→
Activedirector · ~69y · appointed 2023-11-17
View their other companies + combined net worth →
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 | HSBC Hsbc UK Bank PLC | A registered charge | 1 property | 20/02/2025 | — | |
| outstanding | HSBC Hsbc UK Bank PLC | A registered charge | 1 property | 01/02/2024 | — |
Click column headers to sort. Use filters above to narrow by status and lender.
Recent filings (22 total)
accounts-with-accounts-type-micro-entity
accounts · AA
2026-03-31
change-registered-office-address-company-with-date-old-address-new-address
address · AD01
2026-02-09
confirmation-statement-with-no-updates
confirmation-statement · CS01
2026-01-19
change-person-director-company-with-change-date
officers · CH01
2025-07-03
change-registered-office-address-company-with-date-old-address-new-address
address · AD01
2025-07-03
mortgage-create-with-deed-with-charge-number-charge-creation-date
mortgage · MR01
2025-03-10
confirmation-statement-with-no-updates
confirmation-statement · CS01
2024-12-08
accounts-with-accounts-type-micro-entity
accounts · AA
2024-12-05
accounts-with-accounts-type-dormant
accounts · AA
2024-03-24
mortgage-create-with-deed-with-charge-number-charge-creation-date
mortgage · MR01
2024-02-05
appoint-person-director-company-with-name-date
officers · AP01
2023-11-20
change-to-a-person-with-significant-control
persons-with-significant-control · PSC04
2023-11-19
confirmation-statement-with-updates
confirmation-statement · CS01
2023-11-19
notification-of-a-person-with-significant-control
persons-with-significant-control · PSC01
2023-11-19
accounts-with-accounts-type-dormant
accounts · AA
2023-03-23