Company Overview
M & J Builders Merchants Limited is listed at the official companies registry as Active Private Limited Company. The company was incorporated on Wednesday 03 November 1999, so this is a well established company. M & J Builders Merchants Limited has been in business for 26 years and 5 months. The accounts status is total exemption full and the accounts are next due on Wednesday 30 September 2026.
Registered Address

150 Lynedoch Street, Greenock, PA15 4AJ
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Companies House Data
Company NameM & J BUILDERS MERCHANTS LIMITED
Company NumberSC201280
Registered Office Address150 Lynedoch Street
 PA15 4AJ
Company CategoryPrivate Limited Company
Company StatusActive
Country of OriginUnited Kingdom
Incorporation Date03/11/1999
Accounting Reference Date Day31
Accounting Reference Date Month12
Accounts Next Due Date30/09/2026
Accounts Last Made Up Date31/12/2024
Accounts Account CategoryTOTAL EXEMPTION FULL
Returns Next Due Date20/11/2016
Returns Last Made Up Date23/10/2015
Previous Company NameChanged Date
M & J TIMBER LIMITED11 Jun 2019
Directors & Members
Show Resigned
Mark Rodger - Director
(British, 38 years old, born April 1988)
Appointed 30 March 2007
 Active
Mary Rodger - Director
(British, 64 years old, born April 1962)
Appointed 20 March 2007
 Active
Lucy Rodger - Director
(British, 35 years old, born March 1991)
Appointed 10 March 2009
 Active
Secretaries
Show Resigned
Mary Rodger - Secretary
(British)
Appointed 01 April 2004
 Active
Other Company Directorships
Mark Rodger
RODGER PROPERTY LIMITED
Mary Rodger
BATH & TILE STUDIO LTD
BUILD DEPOT LIMITED
GTI DIRECT LIMITED
M & J GROUP LIMITED
SILVERBRAE LIMITED
Lucy Rodger
BATH & TILE STUDIO LTD
CALEDONIAN HOMES LIMITED
GTI DIRECT LIMITED
RODGER PROPERTY LIMITED
UNIFIED TIMBER COMPOSITE LTD
Balance Sheet Unlock full report
Accounts Date 31-Dec-2024 31-Dec-2022 31-Dec-2021
Balance Sheet
Fixed Assets 958,255 958,255 848,318
Current Assets 2,866,876 2,866,876 2,588,288
Creditors Due Within One Year 498,223 498,223 222,676
Working Cap 2,368,653 2,368,653 2,365,612
Total Assets Less Current Liabilities 3,326,908 3,326,908 3,213,930
Long-term Liabilities 201,078 201,078 95,493
Net Assets 3,125,830 3,125,830 3,118,437
Share Capital & Reserves
Share Cap - - -
Profit & Loss Reserves - - -
Other Reserves - - -
Shareholders Funds 3,125,830 3,125,830 3,118,437
Common Size Financial Analysis Unlock full report
Accounts Date 31-Dec-2024 31-Dec-2022 31-Dec-2021
Tangible Fixed Assets - - -
Fixed Assets 25.1% 25.1% 24.7%
Stocks Inventory - - -
Debtors 35.3% 35.3% 29.1%
Cash Bank In Hand 21.8% 21.8% 28.2%
Current Assets 74.9% 74.9% 75.3%
Creditors Due Within One Year 13.0% 13.0% 6.5%
Net Current Assets Liabilities 61.9% 61.9% 68.8%
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 81.7% 81.7% 90.7%
Capital Employed - - -
Total Assets Less Current Liabilities 87.0% 87.0% 93.5%
Financial Ratio Analysis Unlock full report
Accounts Date 31-Dec-2024 31-Dec-2022 31-Dec-2021
Liquidity Ratio 5.8 5.8 11.6
Solvency Ratio 5.5 5.5 10.8
Reserves to Assets - - -
Secured Creditors Unlock full report
Mortgages Charges 11
Mortgages Outstanding 3
Mortgages Part Satisfied 0
Mortgages Satisfied 8
Assets and Debt Analysis Unlock full report
Accounts Date 31-Dec-2024 31-Dec-2022 31-Dec-2021
Assets 3,825,131 3,825,131 3,436,606
Debt 699,301 699,301 318,169
Net Assets/Debt 3,125,830 3,125,830 3,118,437

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.

The company balance sheet displays a comfortable surplus of working capital. We would normally view this positively. 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.

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.The company balance sheet displays a comfortable surplus of working capital. We would normally view this positively. 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 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.The company balance sheet displays a comfortable surplus of working capital. We would normally view this positively. 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.

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
Other Business around PA15 4AJ
RODGER PROPERTY LIMITED
150 LYNEDOCH STREET, GREENOCK, PA15 4AJ
Document Filings
Confirmation statement made on 18 September 2025 with no updates
Confirmation statement made on 18 September 2024 with updates
Satisfaction of charge SC2012800006 in full
Confirmation statement made on 18 September 2023 with updates
Satisfaction of charge SC2012800007 in full
Satisfaction of charge SC2012800010 in full
Confirmation statement made on 25 October 2022 with no updates
Change of details for Rodger Group Limited as a person with significant control on 14 January 2021
Confirmation statement made on 25 October 2021 with no updates
Confirmation statement made on 25 October 2020 with no updates
Registration of charge SC2012800011, created on 19 December 2019
Registration of charge SC2012800010, created on 11 December 2019
Alterations to floating charge SC2012800007
Alterations to floating charge SC2012800009
Registration of charge SC2012800009, created on 2 December 2019
Registration of charge SC2012800008, created on 6 December 2019
Registration of charge SC2012800007, created on 2 December 2019
Registration of charge SC2012800006, created on 4 December 2019
Confirmation statement made on 25 October 2019 with updates
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