Company Overview
Golf Finance Limited is listed at the official companies registry as Active Private Limited Company. The company was incorporated on Thursday 08 June 2000, so this is a well established company. Golf Finance Limited has been in business for 25 years and 9 months. The accounts status is micro entity and the accounts are next due on Monday 31 August 2026.
Registered Address

4 Church Road, North Berwick, East Lothian, EH39 4AD
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Companies House Data
Company NameGOLF FINANCE LIMITED
Company NumberSC207978
Registered Office Address4 Church Road
 EH39 4AD
Company CategoryPrivate Limited Company
Company StatusActive
Country of OriginUnited Kingdom
Incorporation Date08/06/2000
Accounting Reference Date Day30
Accounting Reference Date Month11
Accounts Next Due Date31/08/2026
Accounts Last Made Up Date30/11/2024
Accounts Account CategoryMICRO ENTITY
Returns Next Due Date06/07/2017
Returns Last Made Up Date08/06/2016
Directors & Members
Show Resigned
Neil Henderson - Director
(Scottish, 37 years old, born October 1989)
Appointed 02 July 2021
 Active
Linda Henderson - Director
(British, 66 years old, born June 1960)
Appointed 02 July 2021
 Active
Malcolm Pennycott - Director
(British, 37 years old, born September 1989)
Appointed 26 January 2024
 Active
Secretaries
Show Resigned
Linda Henderson - Secretary
(British)
Appointed 07 June 2003
 Active
Other Company Directorships
Neil Henderson
FOREWAYS DEVELOPMENTS LTD
GOLF CLUB GUARD LTD
HENDERSON GOLF TRAVEL LTD
Linda Henderson
No companies found
Malcolm Pennycott
GOLF CLUB GUARD LTD
Balance Sheet Unlock full report
Accounts Date 30-Nov-2024 30-Nov-2022 30-Nov-2021
Balance Sheet
Fixed Assets 7,076 7,076 6,805
Current Assets 195,595 195,595 185,654
Creditors Due Within One Year 131,160 131,160 103,403
Working Cap 64,435 64,435 82,251
Total Assets Less Current Liabilities 71,511 71,511 89,056
Long-term Liabilities 0 0 0
Net Assets 71,511 71,511 89,056
Share Capital & Reserves
Share Cap - - -
Profit & Loss Reserves - - -
Other Reserves - - -
Shareholders Funds 71,511 71,511 89,056
Common Size Financial Analysis Unlock full report
Accounts Date 30-Nov-2024 30-Nov-2022 30-Nov-2021
Tangible Fixed Assets - - -
Fixed Assets 3.5% 3.5% 3.5%
Stocks Inventory - - -
Debtors - - -
Cash Bank In Hand - - -
Current Assets 96.5% 96.5% 96.5%
Creditors Due Within One Year 64.7% 64.7% 53.7%
Net Current Assets Liabilities 31.8% 31.8% 42.7%
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 35.3% 35.3% 46.3%
Capital Employed - - -
Total Assets Less Current Liabilities 35.3% 35.3% 46.3%
Financial Ratio Analysis Unlock full report
Accounts Date 30-Nov-2024 30-Nov-2022 30-Nov-2021
Liquidity Ratio 1.5 1.5 1.8
Solvency Ratio 1.5 1.5 1.9
Reserves to Assets - - -
Secured Creditors Unlock full report
Mortgages Charges 0
Mortgages Outstanding 0
Mortgages Part Satisfied 0
Mortgages Satisfied 0
Assets and Debt Analysis Unlock full report
Accounts Date 30-Nov-2024 30-Nov-2022 30-Nov-2021
Assets 202,671 202,671 192,459
Debt 131,160 131,160 103,403
Net Assets/Debt 71,511 71,511 89,056

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 has some deficiency. 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.

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 has some deficiency. 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 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 has some deficiency. 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.

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 EH39 4AD
THE INITIALS CORPORATION LTD
4 Church Road, North Berwick, East Lothian, EH39 4AD
Document Filings
Confirmation statement made on 8 June 2025 with updates
Notification of Neil Ian Henderson as a person with significant control on 5 August 2024
Cessation of Linda Jane Henderson as a person with significant control on 5 August 2024
Cessation of Ian Robert Henderson as a person with significant control on 5 August 2024
Confirmation statement made on 8 June 2024 with no updates
Appointment of Mr Malcolm Thomas Pennycott as a director on 26 January 2024
Termination of appointment of Ian Robert Henderson as a director on 26 January 2024
Confirmation statement made on 8 June 2023 with no updates
Confirmation statement made on 8 June 2022 with no updates
Appointment of Mr Neil Ian Henderson as a director on 2 July 2021
Appointment of Mrs Linda Jane Henderson as a director on 2 July 2021
Confirmation statement made on 8 June 2021 with updates
Confirmation statement made on 8 June 2020 with updates
Previous accounting period extended from 30 June 2019 to 30 November 2019
Notification of Linda Jane Henderson as a person with significant control on 25 November 2019
Change of details for Mr Ian Robert Henderson as a person with significant control on 25 November 2019
Statement of capital following an allotment of shares on 25 November 2019
Confirmation statement made on 8 June 2019 with no updates
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