Z&S PROPERTY MANAGEMENT LIMITED

🏛️Establishedactive
SC671655 · ltd · incorporated 2020-08-21
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 4.6y old — refinance window within 12 months
🔒Estimated value
—
Upgrade to see
Turnover
—
year to Mar 2025
Net worth
—
book net assets
Opportunity
74/100
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 bankable structure.

Opportunity 74/100 (strong), bankability 75/100. 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

3 live charges · 2 lenders · oldest 4.6y

60/100
clean up first

Refinance viable after a tidy-up — address the highlighted items first.

  • · Charge age ~4.6 years — mid-life; refi window approaching.
  • · Two lenders — manageable, but coordination required.
  • · Legal-friction score 15/100 — clean.

Data confidence

Overall: high (80/100)

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
3 charges (3/3 with lender, 3/3 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
1 connected companies via shared directors
48
Filing history
15 filings on record
85
Gazette notices
No matching gazette notices (standard for active companies)
60
Opportunity Score
74/100Strong
PassWatchWorth a lookStrongExceptional 

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

Business quality
65
Adequate — check latest filings for context.
Acquirability
55
Some acquirability indicators.
Risk profile
85
Few red flags.
Signal strength
100
Good data coverage for analysis.

Key financials

2 years extracted from filed iXBRL accounts
Cash
—
Net Worth
—
Current Assets
—
Current Liabilities
—
£0£3k£7k£10k£14k£17kMar 2024Mar 2025

Hover to see exact values · click legend to toggle series

Financials

Extracted from Companies House accounts · FRS 102
Metric2025-03-312024-03-31
Total assets—£69.3k
Current assets—£6
Net assets—£17.4k
Average employees100—

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 (16 events)Click to expand
  1. 2026-03-10
    📄
    accounts-with-accounts-type-micro-entity
    accounts · AA
  2. 2025-03-27
    📄
    accounts-with-accounts-type-micro-entity
    accounts · AA
  3. 2024-12-13
    📄
    mortgage-create-with-deed-with-charge-number-charge-creation-date
    mortgage · MR01
  4. 2024-12-10
    🔒
    Charge registered #3
    Lender: Paragon Bank PLC
  5. 2024-03-18
    📄
    accounts-with-accounts-type-micro-entity
    accounts · AA
  6. 2023-10-26
    📄
    mortgage-create-with-deed-with-charge-number-charge-creation-date
    mortgage · MR01
  7. 2023-10-16
    🔒
    Charge registered #2
    Lender: Paragon Bank PLC
  8. 2023-03-28
    📄
    accounts-with-accounts-type-micro-entity
    accounts · AA
  9. 2022-08-12
    📄
    accounts-with-accounts-type-micro-entity
    accounts · AA
  10. 2022-05-12
    📄
    change-account-reference-date-company-current-shortened
    accounts · AA01
  11. 2021-10-25
    📄
    mortgage-create-with-deed-with-charge-number-charge-creation-date
    mortgage · MR01
  12. 2021-10-21
    🔒
    Charge registered #1
    Lender: The Mortgage Works (UK) PLC
  13. 2020-08-21
    🏢
    Company incorporated
    As Z&S PROPERTY MANAGEMENT LIMITED
  14. 2020-08-21
    ➕
    GHAFFAR, Zain appointed
    director
  15. 2020-08-21
    ➕
    NAWAZ, Shahrona appointed
    director
  16. 2020-08-21
    📄
    incorporation-company
    incorporation · NEWINC

Owner dependency

63/100
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.
  • +No director turnover: Company is 6 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

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
NameSharesVoting rightsNature of controlNotified
Mr Zain Ghaffar
Individual · British · DOB 05/1989 · age 37
——sig. influencesignificant influence21/08/2020
Mrs Shahrona Nawaz
Individual · British · DOB 04/1988 · age 38
——sig. influencesignificant influence21/08/2020

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 →

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————1y——
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———————
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
Incorporated2020-08-21
Jurisdictionscotland
Primary SIC68209 — Other letting and operating of own or leased real estate

Registered office

C/O Dylan Associates Accountants & Tax Advisors
780 Ground Right Crow Road, Jordanhill
Glasgow
G13 1LX
Scotland

Filing status

Accounts
Next due: 2026-12-31
Last made up to: 2025-03-31
Confirmation statement
Next due: 2026-09-03
Last: 2025-08-20

Officers (2 active · 0 resigned)

GHAFFAR, Zain→
director · ~37y · appointed 2020-08-21
View their other companies + combined net worth →
Active
NAWAZ, Shahrona→
director · ~38y · appointed 2020-08-21
View their other companies + combined net worth →
Active

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

Mortgages & charges

3
Total charges
3
Outstanding
2
Active lenders
Status:Lender:3 of 3 shown
TypeProperties
outstanding
Paragon
Paragon Bank PLC
A registered charge1 property10/12/2024—
outstanding
Paragon
Paragon Bank PLC
A registered charge2 properties16/10/2023—
outstanding
The Mortgage Works (UK)
The Mortgage Works (UK) PLC
A registered charge1 property21/10/2021—
Click column headers to sort. Use filters above to narrow by status and lender.

Recent filings (15 total)

accounts-with-accounts-type-micro-entity
accounts · AA
2026-03-10
confirmation-statement-with-no-updates
confirmation-statement · CS01
2025-09-11
accounts-with-accounts-type-micro-entity
accounts · AA
2025-03-27
mortgage-create-with-deed-with-charge-number-charge-creation-date
mortgage · MR01
2024-12-13
confirmation-statement-with-no-updates
confirmation-statement · CS01
2024-08-29
accounts-with-accounts-type-micro-entity
accounts · AA
2024-03-18
mortgage-create-with-deed-with-charge-number-charge-creation-date
mortgage · MR01
2023-10-26
confirmation-statement-with-no-updates
confirmation-statement · CS01
2023-09-05
accounts-with-accounts-type-micro-entity
accounts · AA
2023-03-28
confirmation-statement-with-no-updates
confirmation-statement · CS01
2022-09-22
accounts-with-accounts-type-micro-entity
accounts · AA
2022-08-12
change-account-reference-date-company-current-shortened
accounts · AA01
2022-05-12
mortgage-create-with-deed-with-charge-number-charge-creation-date
mortgage · MR01
2021-10-25
confirmation-statement-with-no-updates
confirmation-statement · CS01
2021-09-20
incorporation-company
incorporation · NEWINC
2020-08-21