MNA (SCOTLAND) LIMITED

🌳Matureactive
SC283813 · ltd · incorporated 2005-04-26
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 · low confidence
Stable recent picture — watch for any upcoming trigger event.
Opportunity decay
approaching window · 12-months
Approaching a transaction window — refinance or sale event plausible in the next 12 months.
  • · Oldest live charge 20.5y old — refinance window within 12 months
What changed my view
Last 30 days

No material changes in the last 30 days.

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 May 2025
Net worth
£637.9k
book net assets
Opportunity
83/100
Exceptional
🔔
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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
Investor take
Pursue
Property-backed borrower. Family succession underway — not a classic acquisition target.

Opportunity 83/100 (exceptional), bankability 80/100. Same-surname younger director in place — likely family handover, not open to sale. Share purchase looks the cleaner deal structure. Biggest value-creation lever: Discharge stale live charges. 2 live charge(s) created 15+ years ago — likely paid but undischarged. Clean register. Most likely exit: share sale to pe / searcher (65/100).

🏦

Refinance opportunity

3 live charges · oldest 20.5y

65/100
clean up first

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

  • · Oldest live charge is 20.5 years old — likely at or near maturity.
  • · Single lender — cleanest path to refinance.
  • · Legal-friction score 25/100 — workable, but lender will want more DD.

Data confidence

Overall: high (82/100)

Strong data coverage across all sections. AI outputs should be trusted with minimal caveats.

Company profile
address, 2 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
7 officers (5 active, 7 linked, 6 with DOB)
87
Ownership & PSC
1 active PSC(s) of 1 total, 1 with control declared
90
Director network
10 connected companies via shared directors
75
Filing history
57 filings on record
85
Gazette notices
No matching gazette notices (standard for active companies)
60
🔒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
83/100Exceptional
PassWatchWorth a lookStrongExceptional 

Strong composite across quality, acquirability, and risk. High-priority target — progress to serious diligence.

Business quality
70
Active, clean filings, stable charge profile.
Acquirability
85
Strong succession / seller-readiness signals.
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 £637,920

Key financials

2 years extracted from filed iXBRL accounts
Cash
—
Net Worth
£638k
↑ 13% YoY
Current Assets
£188k
↑ 52% YoY
Current Liabilities
—
£0£128k£255k£383k£510k£638kMay 2024May 2025

Hover to see exact values · click legend to toggle series

Financials

Extracted from Companies House accounts · accounting standard unknown
Metric2025-05-312024-05-31
Total assets£1.39M£1.29M
Current assets£187.6k£123.1k
Net assets£637.9k£565.9k

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 officers
Last 180 days
6
filings
  • • 3 officers
  • • 1 accounts
  • • 1 mortgage
Counts from Companies House filing history.
Corporate timeline (29 events)Click to expand
  1. 2026-04-14
    📄
    appoint-person-director-company-with-name-date
    officers · AP01
  2. 2026-04-01
    ➕
    NASEEM, Mohammad Adil appointed
    director
  3. 2026-02-24
    📄
    accounts-with-accounts-type-micro-entity
    accounts · AA
  4. 2026-02-12
    📄
    mortgage-satisfy-charge-full
    mortgage · MR04
  5. 2026-02-12
    🔓
    Charge satisfied #3
  6. 2025-12-27
    ➖
    NASEEM, Aisha resigned
    director
  7. 2025-12-27
    📄
    termination-director-company-with-name-termination-date
    officers · TM01
  8. 2025-12-27
    📄
    change-person-director-company-with-change-date
    officers · CH01
  9. 2025-02-27
    📄
    accounts-with-accounts-type-micro-entity
    accounts · AA
  10. 2024-02-25
    📄
    accounts-with-accounts-type-micro-entity
    accounts · AA
  11. 2023-02-26
    📄
    accounts-with-accounts-type-micro-entity
    accounts · AA
  12. 2022-05-31
    📄
    accounts-with-accounts-type-micro-entity
    accounts · AA
  13. 2021-12-16
    📄
    appoint-person-director-company-with-name-date
    officers · AP01
  14. 2021-12-16
    📄
    termination-director-company-with-name-termination-date
    officers · TM01
  15. 2021-12-03
    ➕
    NASEEM, Aisha appointed
    director
  16. 2021-12-02
    ➖
    NASEEM, Mohammed Adil resigned
    director
  17. 2021-05-30
    📄
    accounts-with-accounts-type-micro-entity
    accounts · AA
  18. 2020-02-26
    📄
    accounts-with-accounts-type-micro-entity
    accounts · AA
  19. 2019-02-27
    📄
    accounts-with-accounts-type-micro-entity
    accounts · AA
  20. 2019-01-30
    📄
    change-account-reference-date-company-previous-extended
    accounts · AA01
  21. 2015-04-01
    ➕
    NASEEM, Faisal appointed
    director
  22. 2015-04-01
    ➕
    NASEEM, Mohammed Adil appointed
    director
  23. 2006-03-10
    🔒
    Charge registered #3
    Lender: Clydesdale Bank Public Limited Company
  24. 2006-03-02
    🔒
    Charge registered #2
    Lender: Clydesdale Bank Public Limited Company
  25. 2005-12-20
    🔒
    Charge registered #1
    Lender: Clydesdale Bank Public Limited Company
  26. 2005-04-26
    🏢
    Company incorporated
    As MNA (SCOTLAND) LIMITED
  27. 2005-04-26
    ➕
    NASEEM, Mohammed appointed
    secretary
  28. 2005-04-26
    ➕
    NASEEM, Mohammed appointed
    director
  29. 2005-04-26
    ➕
    NASEEM, Robina 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
  • -4 active directors: Broader management team in place — suggests transferable governance.
  • +Long-tenure founder: Senior director has been in place 21 years — deep operational knowledge concentrated in one person.
  • +Senior director age: Director aged approximately 60 — approaching natural succession window.
  • +Family involvement: Multiple officers share a surname — likely family business, which concentrates governance.

Succession & seller-readiness

20/100
No succession signal

No meaningful acquirability indicators from public data.

SIGNALS
  • primaryFamily succession underway: Not a takeover target — NASEEM, Mohammad Adil (same surname) appointed 2026-04-01. Pattern consistent with intra-family handover.
  • secondaryFounder aged 58+: Senior director is approximately 60. Early succession window.
  • primary20+ year tenure: Director in role 21 years. Very long tenure is a classic succession signal.
  • 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

1 active beneficial owner
NameSharesVoting rightsNature of controlNotified
Mr Mohammed Naseem
Individual · British · DOB 06/1966 · age 60
25–50%
—25-50% shares01/02/2017

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.

See pricing →

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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
Incorporated2005-04-26
Jurisdictionscotland
Primary SIC68100 — Buying and selling of own real estate

Registered office

67 Wemyss Crescent
Monifieth
Dundee
DD5 4RA

Filing status

Accounts
Next due: 2027-02-28
Last made up to: 2025-05-31
Confirmation statement
Next due: 2026-12-30
Last: 2025-12-16

Officers (5 active · 2 resigned)

NASEEM, Mohammed→
secretary · appointed 2005-04-26
View their other companies + combined net worth →
Active
NASEEM, Faisal→
director · ~37y · appointed 2015-04-01
View their other companies + combined net worth →
Active
NASEEM, Mohammad Adil→
director · ~30y · appointed 2026-04-01
View their other companies + combined net worth →
Active
NASEEM, Mohammed→
director · ~60y · appointed 2005-04-26
View their other companies + combined net worth →
Active
NASEEM, Robina→
director · ~58y · appointed 2005-04-26
View their other companies + combined net worth →
Active
NASEEM, Aisha→
director · ~38y · appointed 2021-12-03 · resigned 2025-12-27
Resigned
NASEEM, Mohammed Adil→
director · ~30y · appointed 2015-04-01 · resigned 2021-12-02
Resigned

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

Mortgages & charges

3
Total charges
2
Outstanding
1
Active lenders
Status:Lender:3 of 3 shown
TypeProperties
satisfied
Virgin Money
Clydesdale Bank Public Limited Company
Standard security1 property10/03/200612/02/2026
outstanding
Virgin Money
Clydesdale Bank Public Limited Company
Standard security1 property02/03/2006—
outstanding
Virgin Money
Clydesdale Bank Public Limited Company
Floating charge1 property20/12/2005—
Click column headers to sort. Use filters above to narrow by status and lender.

Recent filings (57 total)

appoint-person-director-company-with-name-date
officers · AP01
2026-04-14
accounts-with-accounts-type-micro-entity
accounts · AA
2026-02-24
mortgage-satisfy-charge-full
mortgage · MR04
2026-02-12
confirmation-statement-with-updates
confirmation-statement · CS01
2025-12-27
termination-director-company-with-name-termination-date
officers · TM01
2025-12-27
change-person-director-company-with-change-date
officers · CH01
2025-12-27
accounts-with-accounts-type-micro-entity
accounts · AA
2025-02-27
confirmation-statement-with-no-updates
confirmation-statement · CS01
2024-12-23
accounts-with-accounts-type-micro-entity
accounts · AA
2024-02-25
confirmation-statement-with-no-updates
confirmation-statement · CS01
2024-01-28
accounts-with-accounts-type-micro-entity
accounts · AA
2023-02-26
confirmation-statement-with-no-updates
confirmation-statement · CS01
2023-01-21
accounts-with-accounts-type-micro-entity
accounts · AA
2022-05-31
confirmation-statement-with-updates
confirmation-statement · CS01
2021-12-16
appoint-person-director-company-with-name-date
officers · AP01
2021-12-16