Company Overview
Innes & Mackay Limited is listed at the official companies registry as Active Private Limited Company. The company was incorporated on Friday 22 April 2005, so this is a well established company. Innes & Mackay Limited has been in business for 20 years and 11 months. The accounts status is total exemption full and the accounts are next due on Tuesday 31 March 2026.
Registered Address

Kintail House, Beechwood Park, Inverness, IV2 3BW
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Companies House Data
Company NameINNES & MACKAY LIMITED
Company NumberSC283654
Registered Office AddressKintail House
 Beechwood Park
 IV2 3BW
Company CategoryPrivate Limited Company
Company StatusActive
Country of OriginUnited Kingdom
Incorporation Date22/04/2005
Accounting Reference Date Day30
Accounting Reference Date Month6
Accounts Next Due Date31/03/2026
Accounts Last Made Up Date30/06/2024
Accounts Account CategoryTOTAL EXEMPTION FULL
Returns Next Due Date20/05/2017
Returns Last Made Up Date22/04/2016
Directors & Members
Show Resigned
Laura Cormack - Director
(British, 42 years old, born January 1984)
Appointed 22 December 2020
 Active
Jane Young - Director
(British, 61 years old, born July 1965)
Appointed 22 April 2005
 Active
Secretaries
Show Resigned
Other Company Directorships
Laura Cormack
INNES & MACKAY (SECRETARIES) LIMITED
INNES & MACKAY (TRUSTEES) LIMITED
Jane Young
INNES & MACKAY (SECRETARIES) LIMITED
INNES & MACKAY (TRUSTEES) LIMITED
RELATIONSHIPS SCOTLAND - FAMILY MEDIATION HIGHLAND
Balance Sheet Unlock full report
Accounts Date 30-Jun-2024 30-Jun-2022 30-Jun-2021
Balance Sheet
Fixed Assets 16,319 16,319 19,075
Current Assets 1,514,029 1,514,029 2,011,590
Creditors Due Within One Year 900,777 900,777 1,600,915
Working Cap 613,252 613,252 410,675
Total Assets Less Current Liabilities 629,571 629,571 429,750
Long-term Liabilities 2,716 2,716 4,054
Net Assets 626,855 626,855 425,696
Share Capital & Reserves
Share Cap - - -
Profit & Loss Reserves - - -
Other Reserves - - -
Shareholders Funds 626,855 626,855 425,696
Common Size Financial Analysis Unlock full report
Accounts Date 30-Jun-2024 30-Jun-2022 30-Jun-2021
Tangible Fixed Assets - - -
Fixed Assets 1.1% 1.1% 0.9%
Stocks Inventory - - -
Debtors 14.0% 14.0% 9.9%
Cash Bank In Hand 75.7% 75.7% 82.0%
Current Assets 98.9% 98.9% 99.1%
Creditors Due Within One Year 58.9% 58.9% 78.8%
Net Current Assets Liabilities 40.1% 40.1% 20.2%
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 41.0% 41.0% 21.0%
Capital Employed - - -
Total Assets Less Current Liabilities 41.1% 41.1% 21.2%
Financial Ratio Analysis Unlock full report
Accounts Date 30-Jun-2024 30-Jun-2022 30-Jun-2021
Liquidity Ratio 1.7 1.7 1.3
Solvency Ratio 1.7 1.7 1.3
Reserves to Assets - - -
Secured Creditors Unlock full report
Mortgages Charges 1
Mortgages Outstanding 1
Mortgages Part Satisfied 0
Mortgages Satisfied 0
Assets and Debt Analysis Unlock full report
Accounts Date 30-Jun-2024 30-Jun-2022 30-Jun-2021
Assets 1,530,348 1,530,348 2,030,665
Debt 903,493 903,493 1,604,969
Net Assets/Debt 626,855 626,855 425,696

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 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.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 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.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 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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MACKENZIE MCLELLAN LLP
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FOREGIN LLP
C/O SAFFERY TORRIDON HOUSE, BEECHWOOD PARK, INVERNESS, IV2 3BW
NESS HORIZONS LIMITED
Bishop's Court, 29 Albyn Place, Aberdeen, IV2 3BW
DUNBAR CENTRE POP IN
Innes & Mackay Limited Kintail House, Beechwood Business Park, Inverness, Highland, IV2 3BW
BJ & EA FISHER SERVICES LIMITED
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Document Filings
Confirmation statement made on 22 April 2025 with updates
Cancellation of shares. Statement of capital on 23 April 2024
Purchase of own shares.
Confirmation statement made on 22 April 2024 with no updates
Director's details changed for Laura Cormack on 10 April 2024
Memorandum and Articles of Association
Resolutions
Termination of appointment of Ewan Donald as a director on 23 April 2024
Cessation of Ewan Donald as a person with significant control on 23 April 2024
Registered office address changed from Kintail Hous Beechwood Park Inverness IV2 3BW Scotland to Kintail House Beechwood Park Inverness IV2 3BW on 12 September 2023
Registered office address changed from Kintail House Beechwood Park Inverness IV2 3BW Scotland to Kintail Hous Beechwood Park Inverness IV2 3BW on 8 September 2023
Registered office address changed from C/O Saffery, Kintail House Beechwood Park Inverness IV2 3BW Scotland to Kintail House Beechwood Park Inverness IV2 3BW on 8 September 2023
Registered office address changed from Kintail House Beechwood Business Park Inverness IV2 3BW to C/O Saffery, Kintail House Beechwood Park Inverness IV2 3BW on 6 September 2023
Confirmation statement made on 22 April 2023 with updates
Sub-division of shares on 15 March 2023
Confirmation statement made on 22 April 2022 with updates
Confirmation statement made on 22 April 2021 with no updates
Cessation of Elizabeth Jean Marie Law as a person with significant control on 31 March 2021
Termination of appointment of Elizabeth Jean Marie Law as a director on 31 March 2021
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