Company Overview
McHardy Group Limited is listed at the official companies registry as Active Private Limited Company. The company was incorporated on Monday 28 January 2008, so this is a well established company. McHardy Group Limited has been in business for 18 years and 2 months. The accounts status is total exemption full and the accounts are next due on Tuesday 30 June 2026.
Registered Address

13 Bon Accord Crescent, Aberdeen, AB11 6DE
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Companies House Data
Company NameMCHARDY GROUP LIMITED
Company NumberSC336779
Registered Office Address13 Bon Accord Crescent
 AB11 6DE
Company CategoryPrivate Limited Company
Company StatusActive
Country of OriginUnited Kingdom
Incorporation Date28/01/2008
Accounting Reference Date Day30
Accounting Reference Date Month9
Accounts Next Due Date30/09/2026
Accounts Last Made Up Date30/09/2024
Accounts Account CategoryTOTAL EXEMPTION FULL
Returns Next Due Date25/02/2017
Returns Last Made Up Date29/01/2016
Previous Company NameChanged Date
MCHARDY AND BORLAND GROUP LIMITED27 Apr 2017
BORLAND FINANCIAL MANAGEMENT LTD02 Jul 2014
BORLAND LIMITED25 Jun 2010
Directors & Members
Show Resigned
Richard Fletcher - Director
(British, 48 years old, born October 1978)
Appointed 25 April 2012
 Active
Andrew Kerr - Director
(British, 53 years old, born January 1973)
Appointed 20 April 2011
 Active
Secretaries
Show Resigned
Other Company Directorships
Richard Fletcher
MCHB WEALTH MANAGEMENT LIMITED
MHBL (HOLDINGS) LIMITED
PEEBLES FINANCIAL LIMITED
TOM MUNRO FINANCIAL SOLUTIONS LIMITED
Andrew Kerr
BORLAND INSURANCE LTD
BORLAND PRIVATE CLIENTS LTD
INSPIRED WEALTH PLANNING LIMITED
MARSHCO LIMITED
MCHARDY GROUP HOLDINGS LIMITED
MCHARDY PRIVATE WEALTH LIMITED
MCHB PERTH LTD
MCHB WEALTH MANAGEMENT LIMITED
MHBL (HOLDINGS) LIMITED
MMC WEALTH LTD
PEEBLES FINANCIAL LIMITED
SCOPRO LTD.
TOM MUNRO FINANCIAL SOLUTIONS LIMITED
Balance Sheet Unlock full report
Accounts Date 30-Sep-2024 30-Sep-2022 30-Sep-2021
Balance Sheet
Fixed Assets 5,472,478 5,472,478 4,453,376
Current Assets 1,840,713 1,840,713 307
Creditors Due Within One Year 4,091,597 4,091,597 2,362,111
Working Cap -2,250,884 -2,250,884 -2,361,804
Total Assets Less Current Liabilities 3,221,594 3,221,594 2,091,572
Long-term Liabilities 2,486,299 2,486,299 1,665,830
Net Assets 735,295 735,295 425,742
Share Capital & Reserves
Share Cap - - -
Profit & Loss Reserves - - -
Other Reserves - - -
Shareholders Funds 735,295 735,295 425,742
Common Size Financial Analysis Unlock full report
Accounts Date 30-Sep-2024 30-Sep-2022 30-Sep-2021
Tangible Fixed Assets - - -
Fixed Assets 74.8% 74.8% 100.0%
Stocks Inventory - - -
Debtors 25.2% 25.2% -
Cash Bank In Hand 0.0% 0.0% 0.0%
Current Assets 25.2% 25.2% 0.0%
Creditors Due Within One Year 55.9% 55.9% 53.0%
Net Current Assets Liabilities -30.8% -30.8% -53.0%
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 10.1% 10.1% 9.6%
Capital Employed - - -
Total Assets Less Current Liabilities 44.1% 44.1% 47.0%
Financial Ratio Analysis Unlock full report
Accounts Date 30-Sep-2024 30-Sep-2022 30-Sep-2021
Liquidity Ratio 0.4 0.4 0.0
Solvency Ratio 1.1 1.1 1.1
Reserves to Assets - - -
Secured Creditors Unlock full report
Mortgages Charges 4
Mortgages Outstanding 4
Mortgages Part Satisfied 0
Mortgages Satisfied 0
Assets and Debt Analysis Unlock full report
Accounts Date 30-Sep-2024 30-Sep-2022 30-Sep-2021
Assets 7,313,191 7,313,191 4,453,683
Debt 6,577,896 6,577,896 4,027,941
Net Assets/Debt 735,295 735,295 425,742

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.

Current debt exceeded short term liquid assets as at the balance sheet date. We would normally view this in the context of other profitability and solvency indicators. 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 this level of net assets suggests total debts and obligations were moderately well covered.

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.Current debt exceeded short term liquid assets as at the balance sheet date. We would normally view this in the context of other profitability and solvency indicators. 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 this level of net assets suggests total debts and obligations were moderately well covered.   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.Current debt exceeded short term liquid assets as at the balance sheet date. We would normally view this in the context of other profitability and solvency indicators. 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 this level of net assets suggests total debts and obligations were moderately well covered.

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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Document Filings
Confirmation statement made on 6 December 2025 with no updates
Termination of appointment of Richard Stratton Gray Allison as a director on 31 December 2025
Current accounting period extended from 30 September 2025 to 31 December 2025
Confirmation statement made on 6 December 2024 with updates
Change of share class name or designation
Change of share class name or designation
Resolutions
Confirmation statement made on 6 December 2023 with updates
Change of details for Lind-Lisa Limited as a person with significant control on 10 October 2023
Registration of charge SC3367790004, created on 10 October 2023
Change of share class name or designation
Resolutions
Confirmation statement made on 6 December 2022 with updates
Confirmation statement made on 6 December 2021 with updates
Confirmation statement made on 29 January 2021 with updates
Change of share class name or designation
Resolutions
Change of details for Lind-Lisa Limited as a person with significant control on 18 January 2021
Change of share class name or designation
Resolutions
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