PERTHSHIRE CHAMBER OF COMMERCE. Credit Check Report

Company Overview

Perthshire Chamber Of Commerce. is listed at the official companies registry as Active Private Limited By Guarantee Without Share Capital. The company was incorporated on Tuesday 30 September 1941, so this is a well established company. Perthshire Chamber Of Commerce. has been in business for 84 years and 6 months. The accounts status is total exemption full and the accounts are next due on Tuesday 31 March 2026.

Registered Address

Mb3, Kinnoull House Mb3, Kinnoull House, Friarton Road, Perth, Perth And Kinross, PH2 7DG

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Companies House Data

Company Name	PERTHSHIRE CHAMBER OF COMMERCE.
Company Number	SC021856
Registered Office Address	Mb3, Kinnoull House Mb3, Kinnoull House
	Friarton Road
	PH2 7DG
Company Category	Private Limited By Guarantee Without Share Capital
Company Status	Active
Country of Origin	United Kingdom
Incorporation Date	30/09/1941
Accounting Reference Date Day	30
Accounting Reference Date Month	6
Accounts Next Due Date	31/03/2026
Accounts Last Made Up Date	30/06/2024
Accounts Account Category	TOTAL EXEMPTION FULL
Returns Next Due Date	07/06/2017
Returns Last Made Up Date	10/05/2016

Directors & Members

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	Grant Ager - Director (British, 61 years old, born December 1965) Appointed 31 March 2012, Resigned 07 June 2018	Resigned
	Michael Archibald - Director (British, 82 years old, born December 1944)	Resigned
	Arthur Ballingall - Director (British, 74 years old, born June 1952) Appointed 01 July 2003, Resigned 30 September 2007	Resigned
	Gordon Bannerman - Director (British, 68 years old, born August 1958) Appointed 04 July 2001, Resigned 05 July 2005	Resigned
	James Barclay - Director (British, 82 years old, born August 1944) Appointed 27 August 2007, Resigned 21 March 2011	Resigned
	Michael Beale - Director (British, 79 years old, born April 1947) Appointed 03 July 2007, Resigned 30 June 2020	Resigned
	Gordon Blair - Director (British, 82 years old, born December 1944) Appointed 23 June 1999, Resigned 09 October 2000	Resigned
	Philip Bolland - Director (British, 63 years old, born June 1963) Appointed 05 July 2005, Resigned 07 July 2009	Resigned
	John Brodie - Director (British)	Resigned
	Nicola Burns - Director (Scottish, 58 years old, born July 1968) Appointed 16 December 2021, Resigned 01 July 2023	Resigned
	Duncan Bury - Director (British, 66 years old, born September 1960) Appointed 05 February 2001, Resigned 16 January 2003	Resigned
	Gordon Butt - Director (British, 68 years old, born May 1958) Appointed 02 September 2002, Resigned 03 July 2007	Resigned
	Alastair Byres - Director (British, 51 years old, born June 1975) Appointed 01 March 2009, Resigned 31 March 2012	Resigned
	Ewen Cameron - Director (British, 70 years old, born March 1956) Appointed 25 May 1994, Resigned 26 April 1996	Resigned
	Alexander Cargill - Director (British, 77 years old, born December 1949)	Resigned
	Alexander Cargill - Director (British, 77 years old, born December 1949) Appointed 31 May 1990, Resigned 25 May 1994	Resigned
	Philip Chapman - Director (British, 77 years old, born June 1949)	Resigned
	Ian Conway - Director (British, 78 years old, born February 1948) Appointed 06 June 2001, Resigned 05 July 2005	Resigned
	Alastair Cormack - Director (British, 79 years old, born February 1947)	Resigned
	Mark Crawford - Director (British, 67 years old, born June 1959) Appointed 05 February 2001, Resigned 05 July 2005	Resigned
	Walter Crosbie - Director (British, 76 years old, born January 1950) Appointed 13 February 1995, Resigned 02 April 1996	Resigned
	James Cruickshank - Director (British, 73 years old, born October 1953) Appointed 10 June 1991, Resigned 17 January 1994	Resigned
	David Cuthbertson - Director (British, 87 years old, born March 1939) Appointed 25 May 1994, Resigned 09 April 1996	Resigned
	Christopher Dalton - Director (British, 59 years old, born May 1967) Appointed 18 June 1997, Resigned 05 June 2000	Resigned
	Robert Denholm - Director (British, 69 years old, born January 1957) Appointed 18 June 1997, Resigned 01 February 1999	Resigned
	James Denholm - Director (British, 73 years old, born December 1953) Appointed 08 October 2024	Active
	Brian Dickson - Director (British, 73 years old, born August 1953) Appointed 01 September 1994, Resigned 24 June 1998	Resigned
	Mary Doig - Director (British, 79 years old, born December 1947) Appointed 27 May 1992, Resigned 07 June 1996	Resigned
	David Donoghue - Director (British, 76 years old, born March 1950) Appointed 10 June 1991, Resigned 31 March 1995	Resigned
	Alastair Dorward - Director (United Kingdom, 78 years old, born May 1948) Appointed 27 June 2000, Resigned 07 July 2009	Resigned
	Kevin Duffy - Director (British, 60 years old, born August 1966) Appointed 10 November 1997, Resigned 20 April 1998	Resigned
	William Duncan - Director (British, 79 years old, born August 1947) Appointed 11 November 1996, Resigned 03 July 2007	Resigned
	Stewart Duncan - Director (British, 76 years old, born February 1950) Appointed 07 June 1996, Resigned 23 June 1999	Resigned
	John Edwards - Director (British, 59 years old, born September 1967) Appointed 04 July 2006, Resigned 21 March 2011	Resigned
	Kerr Elliott - Director (British, 45 years old, born February 1981) Appointed 28 February 2019, Resigned 28 February 2019	Resigned

Secretaries

No Secretaries Appointed

Other Company Directorships

James Denholm
No companies found

Balance Sheet

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Accounts Date	30-Jun-2024	30-Jun-2022	30-Jun-2021
Balance Sheet
Fixed Assets	-	-	35,925
Current Assets	-	-	152,790
Creditors Due Within One Year	96,375	96,375	112,526
Working Cap	-	-	40,264
Total Assets Less Current Liabilities	67,745	67,745	76,189
Long-term Liabilities	0	0	18,013
Net Assets	67,745	67,745	58,176
Share Capital & Reserves
Share Cap	-	-	-
Profit & Loss Reserves	-	-	-
Other Reserves	-	-	-
Shareholders Funds	67,745	67,745	58,176

Common Size Financial Analysis

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Accounts Date	30-Jun-2024	30-Jun-2022	30-Jun-2021
Tangible Fixed Assets	-	-	-
Fixed Assets	-	-	19.0%
Stocks Inventory	-	-	-
Debtors	67.8%	67.8%	47.0%
Cash Bank In Hand	22.9%	22.9%	33.9%
Current Assets	-	-	81.0%
Creditors Due Within One Year	58.7%	58.7%	59.6%
Net Current Assets Liabilities	-	-	21.3%
Creditors Due After One Year	-	-	-
Accruals Deferred Income	-	-	-
Provisions For Liabilities Charges	-	-	-
Net Assets Liabilities Including Pension Asset Liability	-	-	-
Called Up Share Capital	-	-	-
Share Capital Allotted Called Up Paid	-	-	-
Profit Loss Account Reserve	-	-	-
Shareholder Funds	41.3%	41.3%	30.8%
Capital Employed	-	-	-
Total Assets Less Current Liabilities	41.3%	41.3%	40.4%

Financial Ratio Analysis

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Accounts Date	30-Jun-2024	30-Jun-2022	30-Jun-2021
Liquidity Ratio	-1.0	-1.0	1.4
Solvency Ratio	1.7	1.7	1.4
Reserves to Assets	-	-	-

Secured Creditors

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Mortgages Charges	0
Mortgages Outstanding	0
Mortgages Part Satisfied	0
Mortgages Satisfied	0

Assets and Debt Analysis

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Accounts Date	30-Jun-2024	30-Jun-2022	30-Jun-2021
Assets	164,120	164,120	188,715
Debt	96,375	96,375	130,539
Net Assets/Debt	67,745	67,745	58,176

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The following is based on the accounts data presented in this report sourced from Companies House, however the company has filed later accounts. Our analysis of the latest account can be viewed by unlocking our full report.

As at the balance sheet date current liquid assets were slightly less than short term debt. We would normally view a company broadly neutrally for this. Total reserves including retained profitability and movement in reserves appeared positive. We would normally view a company positively for this. The balance sheet presents modest net assets. For the size of the company inferred by the balance sheet the level of net assets suggests a comfortable level of cover for total debts and obligations. The latest accounts are not up-to-date. Later accounts are now overdue. Late filing is not a positive factor. Analysis based on the latest figures available must be taken in the context that the figures are not up-to-date.

Unlock full report The following is based on the accounts data presented in this report sourced from Companies House, however the company has filed later accounts. Our analysis of the latest account can be viewed by unlocking our full report.As at the balance sheet date current liquid assets were slightly less than short term debt. We would normally view a company broadly neutrally for this. Total reserves including retained profitability and movement in reserves appeared positive. We would normally view a company positively for this. The balance sheet presents modest net assets. For the size of the company inferred by the balance sheet the level of net assets suggests a comfortable level of cover for total debts and obligations. The latest accounts are not up-to-date. Later accounts are now overdue. Late filing is not a positive factor. Analysis based on the latest figures available must be taken in the context that the figures are not up-to-date. The following is based on the accounts data presented in this report sourced from Companies House, however the company has filed later accounts. Our analysis of the latest account can be viewed by unlocking our full report.As at the balance sheet date current liquid assets were slightly less than short term debt. We would normally view a company broadly neutrally for this. Total reserves including retained profitability and movement in reserves appeared positive. We would normally view a company positively for this. The balance sheet presents modest net assets. For the size of the company inferred by the balance sheet the level of net assets suggests a comfortable level of cover for total debts and obligations. The latest accounts are not up-to-date. Later accounts are now overdue. Late filing is not a positive factor. Analysis based on the latest figures available must be taken in the context that the figures are not up-to-date.

This review of public record balance sheet and company status information is presented under the terms of Open Government Licence and is for informational purposes only, is general in nature, and is not intended as an opinion or advice for any specific circumstances. The commentary and the colour band score is not a credit rating or credit risk assessment.

This review does not constitute a full credit rating or credit risk assessment based on the full analysis and credit score algorithms used in our credit reports. A full credit report may also provide information relating to trade payment history and county court or court judgments if any.

Public Record Information

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Exact Court Judgements

Period of Months	Last 12m	13-24m	25-36m	37-48m	49-60m	61-72m
Number of Exact CCJS	X	Y	Y	X	X	Y
Value of Exact CCJS	YXY	YK	S	S	X	KX

Supplier Credit Limits

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Date	Sector	Notified	Amount	Terms
XK-SXY	XKXYXK	SXSKXYXK	£X,000	XS XYSKS
SK-SYY	SKXYXKYKKY	KSXX KKXXYXS	£YY,000	YS XYSKS SK YXXSXS
YK-SXY	XKXYXYYK	SXSXYXK	£SX,000	XS XYSKS

Payment Records

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Payment Records from it's suppliers' company ledger show how a company is paying its suppliers

Payment Analysis

Total Invoices	Paid Before 30 days due	Paid After 30 days due	Owing Before 30 days due	Owing after 30 days due
XYX	SX	K	YX	X

Company Valuation Analysis

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Going Concern Valuation

The going concern valuations value the company on the basis that it continues to trade without the threat of liquidation for the foreseeable future. These valuations are primarily profit and cashflow based.

Valuations		Valuation Measures
Estimated High Value	£XSI,000	Retained Profit	£YX,000
Estimated Mid Value	£YY,000	EBIT	£SY,000
Estimated Low Value	£X,000	EBITDA	£SSX,000

Liquidation Valuation

The liquidaton valuation values the company as if it were to cease trading and assets were subject to rapid disposal to cover liabilities. This valuation is primarily asset based.

Valuations		Valuation Measures
Estimated High Value	£XY,000	Total Assets	£XIX,000
Estimated Mid Value	£Y,000	Net Assets	£YX,000
Estimated Low Value	£S,000	Tangible Equity	£SX,000
The above valuations are based on our own algorithms and take no account of many factors that can influence actual valuations realized and should not therefore be assumed to be accurate.

Credit Status Checklist

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Business Growth	Please purchase a report to see true comments
EBITDA	Purchase a report to see true comments
Dividends	Please purchase a report to see true comments about this company
Retained Profits	Retained Profits for this company
Debt Interest	Debt Interest for this company
Cash Flow	Cash Flow for this company
CCJs	CCJs for this company
Age of Company	Age of Company for this company
Solvency	Solvency for this company
Secured Creditors	Secured Creditors for this company
Ownership	Ownership for this company

First Report Score: (0-10)

Financial Status Guide:

10			Very Strong
9			Strong
8			Very Good
7			Good
6			Above Average
5			Average
4			Below Average
3			Poor
2			Weak
1			Very Weak
0			Critical

Risk Score Trend

Risk Rating

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This is the credit risk assessment used by one of the top UK credit reference agencies.

Risk Score (1-100)	X
Risk Band Description	XXMXMXMX SISX
Risk Assessment	Meeting of Creditors
Credit Rating	XSKX

Altman Z Score Credit Risk Rating

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There have been many bankruptcy predictors developed, however none has been so thoroughly tested and broadly accepted as the Altman Z-Score.

Z Score	X
Risk Band	XY
Risk Band Description	The Z Score is not used for small companies where full accounts are not filed because profit and loss account items are required to calculate the score.

Z Score Bands

1	Low Risk	3.00 and above
2	Caution	2.63 - 2.99
3	Risk of Failure within 2 years	1.24 - 2.62
4	High Probability Failure	Below 1.24

Other Business around PH2 7DG

	N3 LIMITED 13 Dupplin Terrace, Perth, Perthshire, PH2 7DG
	DUPPLIN MANAGEMENT LTD 7 Dupplin Terrace, Perth, Perthshire, PH2 7DG

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