Company Overview
Borders Direct Payment Agency 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 03 April 2008, so this is a well established company. Borders Direct Payment Agency has been in business for 17 years and 11 months. The accounts status is full and the accounts are next due on Thursday 31 December 2026.
Registered Address

Ettrick Riverside (Unit 9), Dunsdale Road, Selkirk, TD7 5EB
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Companies House Data
Company NameBORDERS DIRECT PAYMENT AGENCY
Company NumberSC340729
Registered Office AddressEttrick Riverside (Unit 9)
 Dunsdale Road
 TD7 5EB
Company CategoryPrivate Limited Company By Guarantee Without Share Capital, Use Of 'Limited' Exemption
Company StatusActive
Country of OriginUnited Kingdom
Incorporation Date03/04/2008
Accounting Reference Date Day31
Accounting Reference Date Month3
Accounts Next Due Date31/12/2026
Accounts Last Made Up Date31/03/2025
Accounts Account CategoryFULL
Returns Next Due Date01/05/2017
Returns Last Made Up Date03/04/2016
Directors & Members
Show Resigned
William Adamson - Director
(British, 69 years old, born November 1957)
Appointed 07 June 2021
 Active
Lorraine Anderson - Director
(Scottish, 68 years old, born August 1958)
Appointed 23 April 2024
 Active
Carolyn Fahim - Director
(British, 66 years old, born July 1960)
Appointed 04 September 2023
 Active
George Turnbull - Director
(British, 74 years old, born April 1952)
Appointed 09 September 2014
 Active
Marion Wood - Director
(British, 70 years old, born May 1956)
Appointed 08 March 2021
 Active
Secretaries
Show Resigned
Other Company Directorships
William Adamson
BORDERS INDEPENDENT ADVOCACY SERVICE
FACE2FACE BORDERS LIMITED
Lorraine Anderson
No companies found
Carolyn Fahim
No companies found
George Turnbull
HOME BASICS (TWEEDDALE) COMPANY LIMITED
Marion Wood
No companies found
Balance Sheet Unlock full report
Accounts Date 31-Mar-2025 31-Mar-2016 31-Mar-2015
Balance Sheet
Fixed Assets 2,546 2,546 2,738
Current Assets 227,946 227,946 226,768
Creditors Due Within One Year 146,944 146,944 113,844
Working Cap 81,002 81,002 112,924
Total Assets Less Current Liabilities 83,548 83,548 115,662
Long-term Liabilities 0 0 0
Net Assets 83,548 83,548 115,662
Share Capital & Reserves
Share Cap - - -
Profit & Loss Reserves - - -
Other Reserves - - -
Shareholders Funds 83,548 83,548 115,662
Common Size Financial Analysis Unlock full report
Accounts Date 31-Mar-2025 31-Mar-2016 31-Mar-2015
Tangible Fixed Assets - - -
Fixed Assets 1.1% 1.1% 1.2%
Stocks Inventory - - -
Debtors - - -
Cash Bank In Hand - - -
Current Assets 98.9% 98.9% 98.8%
Creditors Due Within One Year 63.8% 63.8% 49.6%
Net Current Assets Liabilities 35.1% 35.1% 49.2%
Creditors Due After One Year 0.0% 0.0% 0.0%
Accruals Deferred Income 0.0% 0.0% 0.0%
Provisions For Liabilities Charges 0.0% 0.0% 0.0%
Net Assets Liabilities Including Pension Asset Liability 36.2% 36.2% 50.4%
Called Up Share Capital - - -
Share Capital Allotted Called Up Paid - - -
Profit Loss Account Reserve - - -
Shareholder Funds 36.2% 36.2% 50.4%
Capital Employed - - -
Total Assets Less Current Liabilities 36.2% 36.2% 50.4%
Financial Ratio Analysis Unlock full report
Accounts Date 31-Mar-2025 31-Mar-2016 31-Mar-2015
Liquidity Ratio 1.6 1.6 2.0
Solvency Ratio 1.6 1.6 2.0
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 31-Mar-2025 31-Mar-2016 31-Mar-2015
Assets 230,492 230,492 229,506
Debt 146,944 146,944 113,844
Net Assets/Debt 83,548 83,548 115,662

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
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SPARK GENERATION LTD
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OREGON TIMBER FRAME LTD.
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1ST FOR FENCING (ERECTORS AND CONSULTANTS) LIMITED
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JOHN STRANG CONTRACTORS LTD
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BORDER SAFEGUARD LIMITED
THE ENGINE HOUSE ETTRICK RIVERSIDE, DUNSDALE ROAD, SELKIRK, SELKIRKSHIRE, TD7 5EB
L&L LOGGING LIMITED
Ettrick Riverside, Selkirk, TD7 5EB
SPARK ENERGY LIMITED
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REIVER RECRUITMENT LTD
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Document Filings
Termination of appointment of Heather Victoria Melville-Hume as a director on 7 October 2025
Confirmation statement made on 3 April 2025 with no updates
Director's details changed for Mr George Park Turnbull on 1 September 2023
Appointment of Mrs Lorraine Anderson as a director on 23 April 2024
Termination of appointment of John Mark Wilson as a director on 23 April 2024
Confirmation statement made on 3 April 2024 with no updates
Appointment of Mrs Heather Victoria Melville-Hume as a director on 4 September 2023
Registered office address changed from Andersons Chambers Market Street Galashiels Selkirkshire TD1 3AF to Ettrick Riverside (Unit 9) Dunsdale Road Selkirk TD7 5EB on 12 September 2023
Appointment of Ms Carolyn Elizabeth Fahim as a director on 4 September 2023
Termination of appointment of Valerie Robertson as a director on 13 June 2023
Termination of appointment of Frances Mary Burke as a director on 13 June 2023
Confirmation statement made on 3 April 2023 with no updates
Termination of appointment of Anita Withers as a director on 6 December 2022
Termination of appointment of Annette Margaret Scobie as a director on 6 December 2022
Confirmation statement made on 3 April 2022 with no updates
Appointment of Mr John Mark Wilson as a director on 8 December 2021
Resolutions
Resolutions
Memorandum and Articles of Association
Termination of appointment of Maureen Elizabeth Roper as a director on 11 October 2021
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