AO INVESTMENTS 1 LTD

🌿Early-stageactive
SC739745 · ltd · incorporated 2022-07-29
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.
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 Jul 2024
Net worth
£1.6k
book net assets
Opportunity
67/100
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
Investor take
Pursue
Property-backed borrower. Reasonable fundamentals — worth a memo before deciding.

Opportunity 67/100 (strong), bankability 52/100. Share purchase looks the cleaner deal structure. Biggest value-creation lever: Consolidate lender relationships. 3 distinct lenders creates friction — refinance into single-lender structure for cleaner diligence. Most likely exit: strategic trade sale (63/100).

🏦

Refinance opportunity

6 live charges · 3 lenders · oldest 2.7y

0/100
too messy

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

  • · Newest facility, 2.7 years old — likely still in initial term.
  • · 3 lenders named — inter-creditor friction likely.
  • · Legal-friction score 25/100 — workable, but lender will want more DD.

Data confidence

Overall: high (81/100)

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
6 charges (6/6 with lender, 6/6 with type)
90
Directors & officers
3 officers (3 active, 3 linked, 2 with DOB)
83
Ownership & PSC
2 active PSC(s) of 2 total, 2 with control declared
90
Director network
6 connected companies via shared directors
63
Filing history
14 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
67/100Strong
PassWatchWorth a lookStrongExceptional 

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

Business quality
50
Adequate — check latest filings for context.
Acquirability
50
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
Positive net assets
Net assets £1,568
Net assets shrinking
Down £786 YoY

Key financials

2 years extracted from filed iXBRL accounts
Cash
Net Worth
£2k
↓ 33% YoY
Current Assets
£30k
↑ 143% YoY
Current Liabilities
£0£6k£12k£18k£24k£30kJul 2023Jul 2024

Hover to see exact values · click legend to toggle series

Financials

Extracted from Companies House accounts · accounting standard unknown
Metric2024-07-312023-07-31
Total assets£212.5k£2.4k
Current assets£30.3k£12.5k
Net assets£1.6k£2.4k

Amounts extracted automatically from iXBRL. Fields left blank were not reported or not mapped. Values in GBP unless stated.

Recent activity

Last 30 days
0
filings
Last 90 days
0
filings
Last 180 days
1
filing
  • 1 mortgage
Counts from Companies House filing history.
Corporate timeline (21 events)Click to expand
  1. 2026-02-23
    📄
    mortgage-create-with-deed-with-charge-number-charge-creation-date
    mortgage · MR01
  2. 2026-02-19
    🔒
    Charge registered #6
    Lender: Lendco Limited
  3. 2025-06-16
    📄
    mortgage-create-with-deed-with-charge-number-charge-creation-date
    mortgage · MR01
  4. 2025-06-13
    🔒
    Charge registered #5
    Lender: Paragon Bank PLC
  5. 2025-04-28
    📄
    accounts-with-accounts-type-micro-entity
    accounts · AA
  6. 2025-02-20
    📄
    mortgage-create-with-deed-with-charge-number-charge-creation-date
    mortgage · MR01
  7. 2025-02-19
    🔒
    Charge registered #4
    Lender: The Mortgage Works (UK) PLC
  8. 2024-10-14
    📄
    mortgage-create-with-deed-with-charge-number-charge-creation-date
    mortgage · MR01
  9. 2024-10-04
    🔒
    Charge registered #3
    Lender: The Mortgage Works (UK) PLC
  10. 2024-05-09
    📄
    mortgage-create-with-deed-with-charge-number-charge-creation-date
    mortgage · MR01
  11. 2024-05-08
    🔒
    Charge registered #2
    Lender: The Mortgage Works (UK) PLC
  12. 2024-04-23
    📄
    accounts-with-accounts-type-micro-entity
    accounts · AA
  13. 2023-10-09
    📄
    mortgage-create-with-deed-with-charge-number-charge-creation-date
    mortgage · MR01
  14. 2023-10-02
    🔒
    Charge registered #1
    Lender: Paragon Bank PLC
  15. 2022-12-09
    📄
    appoint-person-director-company-with-name-date
    officers · AP01
  16. 2022-12-09
    📄
    notification-of-a-person-with-significant-control
    persons-with-significant-control · PSC01
  17. 2022-07-29
    🏢
    Company incorporated
    As AO INVESTMENTS 1 LTD
  18. 2022-07-29
    OKHAI, Amar appointed
    secretary
  19. 2022-07-29
    KHAN, Rabia appointed
    director
  20. 2022-07-29
    OKHAI, Amar appointed
    director
  21. 2022-07-29
    📄
    incorporation-company
    incorporation · NEWINC

Owner dependency

58/100
Moderate — manageable with handover

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

FACTORS
  • +Two-director setup: Only two active directors — typical of owner-managed SMEs but limits succession.

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
6 live charges
low

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

Shareholders & ownership

2 active beneficial owners · dominant holder ≥75%
NameSharesVoting rightsNature of controlNotified
Mr Amar Okhai
Individual · British · DOB 11/1982 · age 44
75100%
75–100%75-100% shares · 75-100% voting29/07/2022
Ms Rabia Khan
Individual · British · DOB 03/1985 · age 41
2550%
25–50%board control25-50% shares · 25-50% voting · board control · firm interest29/07/2022

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

9 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
Incorporated2022-07-29
Jurisdictionscotland
Primary SIC68100 — Buying and selling of own real estate

Registered office

35 Camperdown Street
Broughty Ferry
Dundee
Angus
DD5 3AA
Scotland

Filing status

Accounts
Next due: 2026-04-30
Last made up to: 2024-07-31
Confirmation statement
Next due: 2026-07-19
Last: 2025-07-05

Officers (3 active · 0 resigned)

OKHAI, Amar
secretary · appointed 2022-07-29
View their other companies + combined net worth →
Active
KHAN, Rabia
director · ~41y · appointed 2022-07-29
View their other companies + combined net worth →
Active
OKHAI, Amar
director · ~44y · appointed 2022-07-29
View their other companies + combined net worth →
Active

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

Mortgages & charges

6
Total charges
6
Outstanding
3
Active lenders
Status:Lender:6 of 6 shown
TypeProperties
outstanding
Lendco
Lendco Limited
A registered charge1 property19/02/2026
outstanding
Paragon
Paragon Bank PLC
A registered charge1 property13/06/2025
outstanding
The Mortgage Works (UK)
The Mortgage Works (UK) PLC
A registered charge1 property19/02/2025
outstanding
The Mortgage Works (UK)
The Mortgage Works (UK) PLC
A registered charge1 property04/10/2024
outstanding
The Mortgage Works (UK)
The Mortgage Works (UK) PLC
A registered charge1 property08/05/2024
outstanding
Paragon
Paragon Bank PLC
A registered charge1 property02/10/2023
Click column headers to sort. Use filters above to narrow by status and lender.

Recent filings (14 total)

mortgage-create-with-deed-with-charge-number-charge-creation-date
mortgage · MR01
2026-02-23
confirmation-statement-with-no-updates
confirmation-statement · CS01
2025-07-17
mortgage-create-with-deed-with-charge-number-charge-creation-date
mortgage · MR01
2025-06-16
accounts-with-accounts-type-micro-entity
accounts · AA
2025-04-28
mortgage-create-with-deed-with-charge-number-charge-creation-date
mortgage · MR01
2025-02-20
mortgage-create-with-deed-with-charge-number-charge-creation-date
mortgage · MR01
2024-10-14
confirmation-statement-with-no-updates
confirmation-statement · CS01
2024-07-08
mortgage-create-with-deed-with-charge-number-charge-creation-date
mortgage · MR01
2024-05-09
accounts-with-accounts-type-micro-entity
accounts · AA
2024-04-23
mortgage-create-with-deed-with-charge-number-charge-creation-date
mortgage · MR01
2023-10-09
confirmation-statement-with-no-updates
confirmation-statement · CS01
2023-07-05
appoint-person-director-company-with-name-date
officers · AP01
2022-12-09
notification-of-a-person-with-significant-control
persons-with-significant-control · PSC01
2022-12-09
incorporation-company
incorporation · NEWINC
2022-07-29