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Scott Consumer Finance Limited

11223961

active
Private Limited Company
Companies House
Health Score
75 / 100

Some Concerns

25/30
Filing
10/30
Financial
40/40
Risk
  • No accounts filed in last 18 months (-5)
  • Current liabilities exceed current assets (-10)

Details

PACIFIC HOUSE FLETCHER WAY, CARLISLE, CA3 0LJ
Incorporated 26/02/2018

Compliance

Accounts

Up to date

Confirmation statement

Up to date

Industry

64921
64921

Officers

Ms Gaynor Carruthers Bulloch

secretary · Since 26/02/2018

Mr Stephen Morgan Dowdells

director · Since 26/02/2018

FINANCE AND RISK DIRECTOR

SCOTTISH · SCOTLAND · Age 63

Also on 5 other boards

Mr Craig William Murray

director · Since 26/02/2018

MANAGING DIRECTOR

SCOTTISH · SCOTLAND · Age 68

Also on 5 other boards

Persons with Significant Control

Mr Craig William Murray

75–100% shares
75–100% votes
Appoint directors

Scottish · Scotland · Age 68

Suite 3/1, Skypark 3,, Elliot Place, Glasgow, G3 8EP

Notified 26/02/2018

CompanyRankvs 284+ SIC 64921 peers
64

Financial strength84th percentile among SIC peers · 21/25
Employees25th percentile among SIC peers · 4/15
LiquidityCurrent ratio 1.79× · 16/20
Longevity8 years trading (max 15) · 8/15
Filing complianceAll filings up to date · 15/15
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How is this score calculated?
Financial strength21/25 pts

Net worth compared to all companies in the same SIC code with published accounts. Top quartile earns the full 25 points.

Employees4/15 pts

Workforce size relative to sector peers from the most recent accounts. A larger team generally signals commercial scale.

Liquidity16/20 pts

Current assets ÷ current liabilities. A ratio above 2× earns full marks; between 1–2× scores partially; below 0.5× scores minimal points.

Longevity8/15 pts

One point per year of operation since incorporation, capped at 15. Older companies have a proven track record.

Filing compliance15/15 pts

Full 15 points when both annual accounts and confirmation statement are filed on time. Points are deducted for each overdue filing.

Maximum score is 100. Deductions apply for insolvency history, outstanding charges, going concern doubt, or disqualified officers.

Key FinancialsYear ending 31/10/2024

Net Worth

£954k

Balance sheet strength

Cash

£76k

Cash in the bank

Net Current Assets

£5.6M

Working capital

Current Assets

£12.7M

Current Liabilities

£7.1M

Debtors

£12.6M

0avg. employees

Balance Sheet

Assets less current liabilities£5.6M
Signed by 2023-11-01Prepared with Companies House

EstimatesDerived

YearCurrent RatioImplied Profit
20241.79+£331k
20231.41+£332k
20221.61+£254k
20213.18

Derived from filed accounts. Not audited figures.