Company Overview
George Stubbs Insurance Services Limited is listed at the official companies registry as Active Private Limited Company. The company was incorporated on Thursday 14 August 1997, so this is a well established company. George Stubbs Insurance Services Limited has been in business for 28 years and 7 months. The accounts status is full and the accounts are next due on Wednesday 31 December 2025.
Registered Address

South Inch Business Centre, Shore Road, Perth, Perthshire, PH2 8BW
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Companies House Data
Company NameGEORGE STUBBS INSURANCE SERVICES LIMITED
Company NumberSC177962
Registered Office AddressSouth Inch Business Centre
 Shore Road
 PH2 8BW
Company CategoryPrivate Limited Company
Company StatusActive
Country of OriginUnited Kingdom
Incorporation Date14/08/1997
Accounting Reference Date Day31
Accounting Reference Date Month3
Accounts Next Due Date31/12/2025
Accounts Last Made Up Date31/03/2024
Accounts Account CategoryFULL
Returns Next Due Date11/09/2016
Returns Last Made Up Date14/08/2015
Directors & Members
Show Resigned
Sean Fleming - Director
(British, 37 years old, born May 1989)
Appointed 02 September 2019
 Active
Andrew Weir - Director
(British, 42 years old, born July 1984)
Appointed 26 March 2026
 Active
Kathren Wright - Director
(British, 54 years old, born February 1972)
Appointed 01 January 2023
 Active
Secretaries
Show Resigned
Other Company Directorships
Sean Fleming
FLIP VS LTD
GEORGE STUBBS FINANCIAL SERVICES LIMITED
HARPER STAIRMAND LIMITED
RIVERSDALE MARKETING (SCOTLAND) LIMITED
THE SCOTTISH CRANNOG CENTRE TRUST
Andrew Weir
EIG CONSULTANCY LTD
GREENWOOD GROUP HOLDINGS LIMITED
GREENWOOD INSURANCE CONSULTANTS LTD.
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THE INSURANCE MANAGER LIMITED
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XS ASSURE LIMITED
Balance Sheet Unlock full report
Accounts Date 31-Mar-2024 30-Jun-2022 30-Jun-2021
Balance Sheet
Fixed Assets - - -
Current Assets - - -
Creditors Due Within One Year 3,073,584 3,073,584 806,519
Working Cap - - -
Total Assets Less Current Liabilities 1,671,013 1,671,013 1,106,246
Long-term Liabilities 0 0 0
Net Assets 1,671,013 1,671,013 1,106,246
Share Capital & Reserves
Share Cap - - -
Profit & Loss Reserves - - -
Other Reserves - - -
Shareholders Funds 1,671,013 1,671,013 1,106,246
Common Size Financial Analysis Unlock full report
Accounts Date 31-Mar-2024 30-Jun-2022 30-Jun-2021
Tangible Fixed Assets - - -
Fixed Assets - - -
Stocks Inventory - - -
Debtors 0.0% 0.0% 34.5%
Cash Bank In Hand 36.1% 36.1% 11.4%
Current Assets - - -
Creditors Due Within One Year 64.8% 64.8% 42.2%
Net Current Assets Liabilities - - -
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 35.2% 35.2% 57.8%
Capital Employed - - -
Total Assets Less Current Liabilities 35.2% 35.2% 57.8%
Financial Ratio Analysis Unlock full report
Accounts Date 31-Mar-2024 30-Jun-2022 30-Jun-2021
Liquidity Ratio -1.0 -1.0 -1.0
Solvency Ratio 1.5 1.5 2.4
Reserves to Assets - - -
Secured Creditors Unlock full report
Mortgages Charges 8
Mortgages Outstanding 4
Mortgages Part Satisfied 0
Mortgages Satisfied 4
Assets and Debt Analysis Unlock full report
Accounts Date 31-Mar-2024 30-Jun-2022 30-Jun-2021
Assets 4,744,597 4,744,597 1,912,765
Debt 3,073,584 3,073,584 806,519
Net Assets/Debt 1,671,013 1,671,013 1,106,246

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. 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. 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. 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 Unlock full report
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 Unlock full report
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 Unlock full report
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 Unlock full report

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 Unlock full report
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) X
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 Unlock full report

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 Unlock full report

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
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Document Filings
Appointment of Mr Andrew Russell Weir as a director on 26 March 2026
Satisfaction of charge SC1779620007 in full
Satisfaction of charge SC1779620006 in full
Registration of charge SC1779620009, created on 21 November 2025
Registration of charge SC1779620008, created on 21 November 2025
Confirmation statement made on 14 August 2025 with no updates
Confirmation statement made on 14 August 2024 with no updates
Termination of appointment of George David Stubbs as a director on 9 July 2024
Termination of appointment of Alan William Ruthven as a director on 31 August 2023
Confirmation statement made on 14 August 2023 with no updates
Previous accounting period shortened from 30 June 2023 to 31 March 2023
Registration of charge SC1779620007, created on 24 February 2023
Resolutions
Registration of charge SC1779620006, created on 24 February 2023
Previous accounting period shortened from 31 August 2022 to 30 June 2022
Appointment of Mrs Kathren Wright as a director on 1 January 2023
Termination of appointment of Michael Stewart Mcgregor as a director on 18 August 2022
Confirmation statement made on 14 August 2022 with updates
Director's details changed for Mr George David Stubbs on 13 August 2022
Director's details changed for Alan William Ruthven on 13 August 2022
Director's details changed for Alan William Ruthven on 13 August 2022
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