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Scott Consumer Finance Limited

11223961

active
ltd
england wales
Companies House
Health Score
90 / 100

Healthy

30/30
Filing
20/30
Financial
40/40
Risk

No risk factors detected.

Details

Pacific House Fletcher Way, Parkhouse, Carlisle, CA3 0LJ
Incorporated 26/02/2018

Compliance

Last accounts

31/10/2025

unaudited abridged

Next accounts due

31/07/2027

On track

Confirmation statement

Last: 25/02/2026

Due 11/03/2027

On track

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

Gaynor Carruthers Bulloch

secretary · Since 26/02/2018

Stephen Morgan Dowdells

director · Since 26/02/2018

Scottish · Scotland · Age 63

Craig William Murray

director · Since 26/02/2018

Scottish · Scotland · Age 68

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

Change History

statusactive
2026-07-19

Active

typeltd
2026-07-19

Private Limited Company

address line1Pacific House Fletcher Way
2026-07-19

PACIFIC HOUSE FLETCHER WAY

post townCarlisle
2026-07-19

CARLISLE

CompanyRankvs 187+ SIC 64921 peers
70

Financial strength87th percentile among SIC peers · 22/25
Employees24th percentile among SIC peers · 4/15
LiquidityCurrent ratio 2.28× · 20/20
Longevity9 years trading (max 15) · 9/15
Filing complianceAll filings up to date · 15/15
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How is this score calculated?
Financial strength22/25 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.

Liquidity20/20 pts

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

Longevity9/15 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 31/10/2025

Net Worth

£1.4M

Balance sheet strength

Cash

£62k

Cash in the bank

Net Current Assets

£4.8M

Working capital

Current Assets

£8.5M

Current Liabilities

£3.7M

Debtors

£8.4M

0avg. employees

Balance Sheet

Assets less current liabilities£4.8M
Signed by 2024-11-01Prepared with Companies House

EstimatesDerived

YearCurrent RatioImplied Profit
20252.28+£411k
20241.79+£331k
20231.41

Derived from filed accounts. Not audited figures.