THE AYRSHIRE COMMUNITY TRUST Credit Check Report

Company Overview

The Ayrshire Community Trust is listed at the official companies registry as Active Private Limited Company By Guarantee Without Share Capital, Use Of 'Limited' Exemption. The company was incorporated on Thursday 17 May 2001, so this is a well established company. The Ayrshire Community Trust has been in business for 24 years and 10 months. The accounts status is small and the accounts are next due on Wednesday 31 December 2025.

Registered Address

27 Vernon Street, Saltcoats, North Ayrshire, KA21 5HE

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Companies House Data

Company Name	THE AYRSHIRE COMMUNITY TRUST
Company Number	SC219307
Registered Office Address	27 Vernon Street
	KA21 5HE
Company Category	Private Limited Company By Guarantee Without Share Capital, Use Of 'Limited' Exemption
Company Status	Active
Country of Origin	United Kingdom
Incorporation Date	17/05/2001
Accounting Reference Date Day	31
Accounting Reference Date Month	3
Accounts Next Due Date	31/12/2026
Accounts Last Made Up Date	31/03/2025
Accounts Account Category	SMALL
Returns Next Due Date	14/06/2017
Returns Last Made Up Date	17/05/2016

Previous Company Name	Changed Date
VOLUNTEER CENTRE NORTH AYRSHIRE	23 Nov 2010

Directors & Members

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	Katie Alibone - Director (British, 54 years old, born December 1972) Appointed 11 July 2001, Resigned 30 May 2002	Resigned
	Scott Allison - Director (British, 36 years old, born April 1990) Appointed 18 November 2009, Resigned 11 January 2012	Resigned
	Nicola Badiali - Director (British, 48 years old, born October 1978) Appointed 14 December 2004, Resigned 02 March 2011	Resigned
	George Baines - Director (British, 99 years old, born February 1927) Appointed 17 May 2001, Resigned 13 December 2001	Resigned
	Philip Blackburn - Director (British, 76 years old, born June 1950) Appointed 22 March 2007, Resigned 25 September 2008	Resigned
	Kenneth Bowker - Director (British, 78 years old, born March 1948) Appointed 17 May 2001, Resigned 28 May 2002	Resigned
	Stephen Bradley - Director (British, 77 years old, born July 1949) Appointed 17 May 2001, Resigned 17 July 2001	Resigned
	Colin Bruce - Director (British, 58 years old, born January 1968) Appointed 04 July 2002, Resigned 08 July 2003	Resigned
	Kenneth Buchanan - Director (British, 86 years old, born May 1940) Appointed 11 March 2005, Resigned 27 March 2019	Resigned
	Brian Burns - Director (British, 69 years old, born September 1957) Appointed 28 July 2010, Resigned 17 February 2015	Resigned
	Ian Capperauld - Director (British, 65 years old, born May 1961) Appointed 04 July 2002, Resigned 10 October 2003	Resigned
	Alan Clayton - Director (British, 68 years old, born July 1958) Appointed 23 November 2016, Resigned 11 October 2017	Resigned
	Mary Collie - Director (British, 67 years old, born October 1959) Appointed 04 July 2002, Resigned 09 June 2004	Resigned
	Louise Conway - Director (Scottish, 59 years old, born November 1967) Appointed 03 November 2010, Resigned 02 October 2013	Resigned
	Catherine Docherty - Director (British, 75 years old, born January 1951) Appointed 14 December 2004, Resigned 14 November 2007	Resigned
	Helen Duff - Director (British, 93 years old, born November 1933) Appointed 17 May 2001, Resigned 04 July 2002	Resigned
	Samantha Finn - Director (British, 47 years old, born June 1979) Appointed 29 August 2012, Resigned 01 October 2013	Resigned
	Vicki Fraser - Director (British, 70 years old, born April 1956) Appointed 04 July 2002, Resigned 17 January 2007	Resigned
	Tracey Gallacher - Director (British, 55 years old, born October 1971) Appointed 04 July 2002, Resigned 28 January 2003	Resigned
	Julie Gibb - Director (British, 55 years old, born February 1971) Appointed 04 July 2002, Resigned 10 October 2003	Resigned
	Jean Gilbert - Director (British, 84 years old, born December 1942) Appointed 02 March 2011, Resigned 24 October 2012	Resigned
	Barbara Hastings - Director (British, 70 years old, born April 1956) Appointed 10 October 2003, Resigned 14 December 2004	Resigned
	Janet Hay - Director (British, 69 years old, born November 1957) Appointed 04 July 2002, Resigned 14 December 2004	Resigned
	Pat Hewitson - Director (British, 79 years old, born February 1947) Appointed 04 July 2002, Resigned 27 May 2003	Resigned
	David Irving - Director (British, 71 years old, born June 1955) Appointed 07 February 2017, Resigned 20 October 2020	Resigned
	William Lamb - Director (Scottish, 74 years old, born July 1952) Appointed 28 March 2018, Resigned 21 September 2020	Resigned
	Morag Lau - Director (British, 68 years old, born June 1958) Appointed 24 March 2006, Resigned 10 October 2008	Resigned
	Morag Lau - Director (British, 68 years old, born June 1958) Appointed 03 November 2010, Resigned 09 September 2013	Resigned
	Peter Lawson - Director (British, 84 years old, born June 1942) Appointed 17 May 2001, Resigned 30 January 2002	Resigned
	Lilian MacLean - Director (British, 83 years old, born March 1943) Appointed 17 May 2001, Resigned 25 October 2001	Resigned
	Allan MacLean - Director (British, 84 years old, born September 1942) Appointed 17 May 2001, Resigned 25 October 2001	Resigned
	David Mann - Director (British, 64 years old, born May 1962) Appointed 15 July 2020	Active
	Bobby McCallum - Director (Scotish, 73 years old, born June 1953) Appointed 23 March 2010, Resigned 10 May 2016	Resigned
	Morag McClurg - Director (British, 68 years old, born May 1958) Appointed 12 November 2001, Resigned 04 July 2002	Resigned

Secretaries

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	David Dugan - Secretary Appointed 09 June 2021, Resigned 07 June 2022	Resigned

Other Company Directorships

David Mann
AYRSHIRE & ARRAN DESTINATION ALLIANCE LIMITED
SCOTTISH MARITIME MUSEUM TRUST
WEST KILBRIDE COMMUNITY INITIATIVE LTD.

Balance Sheet

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Accounts Date	31-Mar-2025	31-Mar-2016	31-Mar-2015
Balance Sheet
Fixed Assets	893	893	1,190
Current Assets	112,292	112,292	91,804
Creditors Due Within One Year	10,746	10,746	32,937
Working Cap	101,546	101,546	58,867
Total Assets Less Current Liabilities	102,439	102,439	60,057
Long-term Liabilities	0	0	0
Net Assets	102,439	102,439	60,057
Share Capital & Reserves
Share Cap	-	-	-
Profit & Loss Reserves	99,953	99,953	57,680
Other Reserves	-	-	-
Shareholders Funds	102,439	102,439	60,057

Common Size Financial Analysis

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Accounts Date	31-Mar-2025	31-Mar-2016	31-Mar-2015
Tangible Fixed Assets	0.8%	0.8%	1.3%
Fixed Assets	0.8%	0.8%	1.3%
Stocks Inventory	-	-	-
Debtors	-	-	-
Cash Bank In Hand	99.2%	99.2%	98.7%
Current Assets	99.2%	99.2%	98.7%
Creditors Due Within One Year	9.5%	9.5%	35.4%
Net Current Assets Liabilities	89.7%	89.7%	63.3%
Creditors Due After One Year	-	-	-
Accruals Deferred Income	-	-	-
Provisions For Liabilities Charges	-	-	-
Net Assets Liabilities Including Pension Asset Liability	90.5%	90.5%	64.6%
Called Up Share Capital	-	-	-
Share Capital Allotted Called Up Paid	-	-	-
Profit Loss Account Reserve	88.3%	88.3%	62.0%
Shareholder Funds	90.5%	90.5%	64.6%
Capital Employed	-	-	-
Total Assets Less Current Liabilities	90.5%	90.5%	64.6%

Financial Ratio Analysis

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Accounts Date	31-Mar-2025	31-Mar-2016	31-Mar-2015
Liquidity Ratio	10.4	10.4	2.8
Solvency Ratio	10.5	10.5	2.8
Reserves to Assets	0.9	0.9	0.6

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	31-Mar-2025	31-Mar-2016	31-Mar-2015
Assets	113,185	113,185	92,994
Debt	10,746	10,746	32,937
Net Assets/Debt	102,439	102,439	60,057

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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.

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

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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 KA21 5HE

	NORTH AYRSHIRE CITIZENS ADVICE SERVICE 17 Vernon Street, Saltcoats, North Ayrshire, KA21 5HE
	MHCS (SCOTLAND) LIMITED 47-49 Vernon Street, Saltcoats, KA21 5HE
	CLYDE KILTS LTD 40 HAMILTON STREET, SALTCOATS, KA21 5HE
	THE SALT ROCK LIQUOR COMPANY LIMITED 43 Vernon Street, Saltcoats, KA21 5HE
	M&H PAINT& DECORATORS LIMITED 35 Vernon Street, Saltcoats, KA21 5HE

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