EVERYDAY PEOPLE FINANCIAL SOLUTIONS LIMITED Credit Check Report

Company Overview

Everyday People Financial Solutions Limited is listed at the official companies registry as Active Private Limited Company. The company was incorporated on Monday 24 September 2001, so this is a well established company. Everyday People Financial Solutions Limited has been in business for 24 years and 6 months. The accounts status is full and the accounts are next due on Wednesday 30 September 2026.

Registered Address

9 George Square, Glasgow, G2 1DY

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Companies House Data

Company Name	EVERYDAY PEOPLE FINANCIAL SOLUTIONS LIMITED
Company Number	SC223606
Registered Office Address	9 George Square
	G2 1DY
Company Category	Private Limited Company
Company Status	Active
Country of Origin	United Kingdom
Incorporation Date	24/09/2001
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	22/10/2016
Returns Last Made Up Date	24/09/2015

Previous Company Name	Changed Date
ARVATO FINANCIAL SOLUTIONS LIMITED	15 Dec 2023
ARVATO REGULATORY SERVICES LIMITED	01 Oct 2018
ARVATO FINANCIAL SOLUTIONS LIMITED	03 Jan 2018
BCW GROUP LIMITED	02 Apr 2014

Directors & Members

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	Trond Andreassen - Director (Norwegian, 63 years old, born December 1963) Appointed 23 December 2010, Resigned 31 October 2014	Resigned
	Barry Brotherston - Director (British, 51 years old, born May 1975) Appointed 29 October 2024	Active
	Andrew Bunting - Director (British, 52 years old, born December 1974) Appointed 01 May 2015, Resigned 22 December 2023	Resigned
	Paul Conacher - Director (British, 47 years old, born October 1979) Appointed 27 May 2016, Resigned 05 March 2019	Resigned
	David Dishon - Director (British, 55 years old, born December 1971) Appointed 15 May 2019, Resigned 22 December 2023	Resigned
	Marc Egger - Director (Swiss, 53 years old, born March 1973) Appointed 01 October 2018, Resigned 28 January 2020	Resigned
	Emma Frost - Director (British, 55 years old, born June 1971) Appointed 08 August 2011, Resigned 17 November 2015	Resigned
	Stephen Haggerty - Director (British, 72 years old, born December 1954) Appointed 01 July 2015, Resigned 31 October 2016	Resigned
	Graham Higgins - Director (British, 59 years old, born June 1967) Appointed 22 April 2010, Resigned 11 November 2015	Resigned
	Andrew McCormick - Director (British, 71 years old, born May 1955) Appointed 18 June 2007, Resigned 23 December 2010	Resigned
	Craig McKechnie - Director (British, 54 years old, born September 1972) Appointed 01 January 2024, Resigned 29 October 2024	Resigned
	Bryan Mouat - Director (British, 59 years old, born December 1967) Appointed 31 August 2002, Resigned 31 March 2017	Resigned
	Lars Nielsen - Director (Danish, 55 years old, born June 1971) Appointed 23 December 2010, Resigned 31 October 2014	Resigned
	Debra Nolan - Director (British, 57 years old, born August 1969) Appointed 01 January 2019, Resigned 28 January 2025	Resigned
	Patrick Quinn - Director (Irish, 53 years old, born May 1973) Appointed 01 January 2017, Resigned 31 October 2019	Resigned
	Graham Rankin - Director (British, 56 years old, born November 1970) Appointed 31 October 2023	Active
	Irene Saunders - Director (British, 60 years old, born April 1966) Appointed 29 April 2011, Resigned 27 May 2016	Resigned
	Allan Scullion - Director (British, 59 years old, born October 1967) Appointed 29 October 2024	Active
	Jacqueline Sharpe - Director (British, 63 years old, born January 1963) Appointed 18 June 2007, Resigned 02 March 2016	Resigned
	Martin Sheppard - Director (British, 57 years old, born May 1969) Appointed 16 November 2009, Resigned 26 January 2015	Resigned
	Martin Sheppard - Director (British, 57 years old, born May 1969) Appointed 01 June 2015, Resigned 23 October 2015	Resigned
	Alasdair Skeoch - Director (British, 58 years old, born July 1968) Appointed 27 January 2020, Resigned 30 September 2020	Resigned
	Alasdair Skeoch - Director (British, 58 years old, born July 1968) Appointed 29 October 2024	Active
	Ralf Stalleker - Director (German, 58 years old, born November 1968) Appointed 01 November 2016, Resigned 12 February 2018	Resigned
	John Storrie - Director (British, 46 years old, born March 1980) Appointed 01 February 2019	Active
	David Waite - Director (British, 62 years old, born March 1964) Appointed 18 June 2007, Resigned 23 December 2016	Resigned
	Peter Wallwork - Director (British, 61 years old, born July 1965) Appointed 01 January 2022, Resigned 31 December 2023	Resigned
	Ian Watson - Director (Canadian, 65 years old, born January 1961) Appointed 01 October 2015, Resigned 06 November 2018	Resigned
	Davidson & Workman - Secretary Appointed 31 August 2002, Resigned 12 February 2004	Resigned
	Hms Directors Limited - Nominee Director Appointed 24 September 2001, Resigned 31 August 2002	Resigned

Secretaries

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	Paul Conacher - Secretary Appointed 23 May 2016, Resigned 05 March 2019	Resigned
	David Dishon - Secretary Appointed 05 March 2019, Resigned 22 December 2023	Resigned
	Andrews McCormick - Secretary (British) Appointed 04 October 2007, Resigned 23 December 2010	Resigned
	Bryan Mouat - Secretary Appointed 23 December 2010, Resigned 18 January 2011	Resigned
	Irene Saunders - Secretary Appointed 18 January 2011, Resigned 27 May 2016	Resigned
	Davidson & Workman - Secretary Appointed 31 August 2002, Resigned 12 February 2004	Resigned

Other Company Directorships

Barry Brotherston
BPO COLLECTIONS LIMITED
BTB CONSULTANCY LTD

Graham Rankin
No companies found

Allan Scullion
CCS GROUP HOLDINGS LIMITED
COMMERCIAL COLLECTION SERVICES LIMITED

Alasdair Skeoch
BPO COLLECTIONS LIMITED
CCS GROUP HOLDINGS LIMITED
COMMERCIAL COLLECTION SERVICES LIMITED

John Storrie
No companies found

Balance Sheet

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Accounts Date	31-Dec-2024	31-Dec-2014	31-Dec-2013
Balance Sheet
Fixed Assets	2,593,088	2,593,088	2,906,313
Current Assets	30,318,055	30,318,055	8,582,826
Creditors Due Within One Year	32,939,413	32,939,413	10,275,074
Working Cap	-2,621,358	-2,621,358	-1,692,248
Total Assets Less Current Liabilities	-28,270	-28,270	1,214,065
Long-term Liabilities	450,000	450,000	0
Net Assets	-478,270	-478,270	1,214,065
Share Capital & Reserves
Share Cap	53,878	53,878	53,878
Profit & Loss Reserves	-534,087	-534,087	1,158,248
Other Reserves	1,939	1,939	1,939
Shareholders Funds	-478,270	-478,270	1,214,065

Common Size Financial Analysis

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Accounts Date	31-Dec-2024	31-Dec-2014	31-Dec-2013
Tangible Fixed Assets	-	-	-
Fixed Assets	7.9%	7.9%	25.3%
Stocks Inventory	0.0%	0.0%	0.0%
Debtors	15.0%	15.0%	16.7%
Cash Bank In Hand	11.4%	11.4%	16.0%
Current Assets	92.1%	92.1%	74.7%
Creditors Due Within One Year	100.1%	100.1%	89.4%
Net Current Assets Liabilities	-8.0%	-8.0%	-14.7%
Creditors Due After One Year	1.4%	1.4%	0.0%
Accruals Deferred Income	-	-	-
Provisions For Liabilities Charges	-	-	-
Net Assets Liabilities Including Pension Asset Liability	-1.5%	-1.5%	10.6%
Called Up Share Capital	0.2%	0.2%	0.5%
Share Capital Allotted Called Up Paid	0.2%	0.2%	0.5%
Profit Loss Account Reserve	-1.6%	-1.6%	10.1%
Shareholder Funds	-1.5%	-1.5%	10.6%
Capital Employed	-	-	-
Total Assets Less Current Liabilities	-0.1%	-0.1%	10.6%

Financial Ratio Analysis

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Accounts Date	31-Dec-2024	31-Dec-2014	31-Dec-2013
Liquidity Ratio	0.9	0.9	0.8
Solvency Ratio	1.0	1.0	1.1
Reserves to Assets	0.0	0.0	0.1

Secured Creditors

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Mortgages Charges	2
Mortgages Outstanding	0
Mortgages Part Satisfied	0
Mortgages Satisfied	2

Assets and Debt Analysis

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Accounts Date	31-Dec-2024	31-Dec-2014	31-Dec-2013
Assets	32,911,143	32,911,143	11,489,139
Debt	33,389,413	33,389,413	10,275,074
Net Assets/Debt	-478,270	-478,270	1,214,065

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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.

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 has some deficiency. The balance sheet net assets figure is negative.

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 has some deficiency. The balance sheet net assets figure is negative. 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 has some deficiency. The balance sheet net assets figure is negative.

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

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	DUCTMATE (EUROPE) LIMITED G1 5 George Square, Glasgow, G2 1DY
	FIRST TOKYO INDEX TRUST LIMITED Deloitte & Touche, Lomond House, 9 George Square, Glasgow, Lanarkshire, G2 1DY
	THERAPY HAIR & SPA LIMITED 3rd Floor, Finlay House, 10-14 West Nile Street, Glasgow, G2 1DY
	FIFE POWER G1 Building, 5 George Square, Glasgow, G2 1DY
	R & D CONSTRUCTION GROUP LIMITED G1 5 George Square, Glasgow, G2 1DY
	SCOTTISH UFI LIMITED Floor 1 Monteith House, 11 George Square, Glasgow, G2 1DY
	GALLOWAY GROUP LTD. G1 5 George Square, Glasgow, G2 1DY

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