THE ROYAL BANK OF SCOTLAND GROUP INDEPENDENT FINANCIAL SERVICES LIMITED Credit Check Report

Company Overview

The Royal Bank Of Scotland Group Independent Financial Services Limited is listed at the official companies registry as Active Private Limited Company. The company was incorporated on Friday 22 September 1978, so this is a well established company. The Royal Bank Of Scotland Group Independent Financial Services Limited has been in business for 47 years and 6 months. The accounts status is full and the accounts are next due on Wednesday 30 September 2026.

Registered Address

Rbs Gogarburn, 175 Glasgow Road, Edinburgh, EH12 1HQ

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Companies House Data

Company Name	THE ROYAL BANK OF SCOTLAND GROUP INDEPENDENT FINANCIAL SERVICES LIMITED
Company Number	SC065913
Registered Office Address	Rbs Gogarburn
	175 Glasgow Road
	EH12 1HQ
Company Category	Private Limited Company
Company Status	Active
Country of Origin	United Kingdom
Incorporation Date	22/09/1978
Accounting Reference Date Day	31
Accounting Reference Date Month	12
Accounts Next Due Date	30/09/2026
Accounts Last Made Up Date	31/12/2024
Accounts Account Category	FULL
Returns Next Due Date	24/01/2017
Returns Last Made Up Date	27/12/2015

Directors & Members

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	Colin Baillie - Director (British, 67 years old, born June 1959) Appointed 04 June 2007, Resigned 04 June 2008	Resigned
	Charles Beattie - Director (British, 62 years old, born November 1964) Appointed 29 June 2001, Resigned 31 May 2007	Resigned
	Charles Beattie - Director (British, 62 years old, born November 1964) Appointed 01 February 1997, Resigned 01 November 2000	Resigned
	Ian Cowan - Director (British, 94 years old, born June 1932)	Resigned
	Fiona Davis - Director (British, 65 years old, born February 1961) Appointed 19 April 2013, Resigned 12 July 2013	Resigned
	Fiona Davis - Director (British, 65 years old, born February 1961) Appointed 12 November 2009, Resigned 12 August 2010	Resigned
	Sarah Deaves - Director (British, 65 years old, born September 1961) Appointed 04 November 2009, Resigned 01 May 2012	Resigned
	Martin Fleming - Director (Irish, 58 years old, born March 1968) Appointed 18 April 2012, Resigned 22 March 2013	Resigned
	Simon Funge - Director (British, 64 years old, born September 1962) Appointed 19 March 2007, Resigned 19 May 2011	Resigned
	Eric Galbraith - Director (British, 78 years old, born July 1948) Appointed 27 June 1995, Resigned 06 October 2000	Resigned
	Ian Gilbert - Director (British, 69 years old, born November 1957) Appointed 04 June 2007, Resigned 05 June 2010	Resigned
	Ian Grant - Director (British, 63 years old, born October 1963) Appointed 04 November 2011, Resigned 05 October 2012	Resigned
	Bernard Higgins - Director (British, 66 years old, born December 1960) Appointed 29 June 2001, Resigned 21 April 2004	Resigned
	James Kelly - Director (British, 70 years old, born March 1956) Appointed 18 November 1994, Resigned 11 July 1997	Resigned
	Henry Keogh - Director (British, 66 years old, born June 1960) Appointed 22 December 2005, Resigned 04 November 2009	Resigned
	Feilim MacKle - Director (Irish, 59 years old, born July 1967) Appointed 08 December 2003, Resigned 19 December 2006	Resigned
	James Martin - Director (British, 85 years old, born August 1941) Appointed 22 March 1991, Resigned 16 June 1995	Resigned
	Robert McInnes - Director (British, 86 years old, born January 1940) Appointed 15 December 1993, Resigned 18 November 1994	Resigned
	Ian McLaughlin - Director (British, 60 years old, born September 1966) Appointed 14 May 2012, Resigned 03 June 2019	Resigned
	Christine McPherson - Director (British, 52 years old, born April 1974) Appointed 12 March 2018, Resigned 29 March 2021	Resigned
	Alfred Moon - Director (British, 91 years old, born January 1935) Appointed 17 April 1990, Resigned 07 May 1991	Resigned
	Peter Morgan - Director (British, 72 years old, born May 1954) Appointed 01 February 1997, Resigned 29 June 2001	Resigned
	Garry Morrison - Director (British, 65 years old, born November 1961) Appointed 07 March 2011, Resigned 21 June 2012	Resigned
	Laura Newman - Director (British, 58 years old, born July 1968) Appointed 30 October 2015, Resigned 21 October 2019	Resigned
	Norman Paterson - Director (British, 94 years old, born October 1932)	Resigned
	Christopher Pearson - Director (British, 80 years old, born August 1946) Appointed 30 March 1992, Resigned 15 December 1993	Resigned

Secretaries

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	Yvonne Addison - Secretary Appointed 11 March 2010, Resigned 08 December 2014	Resigned
	Arthur Cosgrove - Secretary (British)	Resigned
	Jane Dickson - Secretary (British) Appointed 18 September 1991, Resigned 27 December 1992	Resigned
	Deborah Esslemont - Secretary (British) Appointed 09 January 2008, Resigned 11 March 2010	Resigned
	Christina Hankin - Secretary (British) Appointed 25 October 2005, Resigned 19 March 2008	Resigned
	James Lindsay - Secretary (British)	Resigned
	Shirley MacGillivray - Secretary (British) Appointed 09 August 1994, Resigned 25 October 2005	Resigned
	Alan McKean - Secretary (British) Appointed 01 March 1990, Resigned 17 September 1991	Resigned
	Alan McKean - Secretary (British) Appointed 15 December 1993, Resigned 09 August 1994	Resigned

Balance Sheet

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Common Size Financial Analysis

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Secured Creditors

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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 EH12 1HQ

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