Company Overview
Your Expert Group Holdings Ltd is listed at the official companies registry as Active Private Limited Company. The company was incorporated on Friday 18 February 2011, so this is a well established company. Your Expert Group Holdings Ltd has been in business for 15 years and 1 month. The accounts status is unaudited abridged and the accounts are next due on Monday 29 December 2025.
Registered Address

89 West Regent Street, Glasgow, G2 2BA
Credit Reports Available

These credit rating reports are available now:


Credit Analysts Report
Get Report >>

Standard Credit Report
Get Report >>

Basic Credit Report
Get Report >>

24/7 credit rating data feed - no UK company credit reports are updated faster

Companies House Data
Company NameYOUR EXPERT GROUP HOLDINGS LTD
Company NumberSC393839
Registered Office Address89 West Regent Street
 G2 2BA
Company CategoryPrivate Limited Company
Company StatusActive
Country of OriginUnited Kingdom
Incorporation Date18/02/2011
Accounting Reference Date Day30
Accounting Reference Date Month12
Accounts Next Due Date29/12/2025
Accounts Last Made Up Date31/12/2023
Accounts Account CategoryUNAUDITED ABRIDGED
Returns Next Due Date18/03/2017
Returns Last Made Up Date18/02/2016
Previous Company NameChanged Date
SECURE FINANCIAL MANAGEMENT LIMITED12 Mar 2024
Directors & Members
Show Resigned
Derek McPhail - Director
(British, 42 years old, born May 1984)
Appointed 01 October 2017
 Active
Secretaries
Show Resigned
Other Company Directorships
Derek McPhail
3MI GROUP LTD
APTARE ADVISORY LTD
BDP (2019) LTD
BUCHANAN SUPPORT SERVICES LLP
CARRINGTON DEAN GROUP LIMITED
CARRINGTON DEAN NUMBER 2 LIMITED
CLARIO STRATEGIC PARTNERS LIMITED
COUNCIL TAX EXPERT CIC
ERSKINE PARK LIMITED
INITIUM INVESTMENTS LIMITED
INITIUM PROPERTIES LIMITED
NGL (SCOTLAND) LTD
REGENT EXECUTRY SERVICES LIMITED
SECURITAS PROPERTIES LIMITED
VERITAS PROPERTY FINANCE LIMITED
VOICEKEY LIMITED
YEG NO 2 LIMITED
YEGC LIMITED
YOUR EXPERT GROUP (HOLDINGS) LTD
YOUR EXPERT MORTGAGE & PROTECTION LTD
YOUR EXPERT WILLS LTD
Balance Sheet Unlock full report
Accounts Date 31-Dec-2023 31-Dec-2021 31-Dec-2020
Balance Sheet
Fixed Assets 0 0 324
Current Assets 314,122 314,122 240,185
Creditors Due Within One Year 257,011 257,011 146,548
Working Cap 57,111 57,111 93,637
Total Assets Less Current Liabilities 57,111 57,111 93,961
Long-term Liabilities 34,167 34,167 45,255
Net Assets 22,944 22,944 48,706
Share Capital & Reserves
Share Cap - - -
Profit & Loss Reserves - - -
Other Reserves - - -
Shareholders Funds 22,944 22,944 48,706
Common Size Financial Analysis Unlock full report
Accounts Date 31-Dec-2023 31-Dec-2021 31-Dec-2020
Tangible Fixed Assets - - -
Fixed Assets 0.0% 0.0% 0.1%
Stocks Inventory - - -
Debtors 47.9% 47.9% 46.6%
Cash Bank In Hand 5.0% 5.0% 8.5%
Current Assets 100.0% 100.0% 99.9%
Creditors Due Within One Year 81.8% 81.8% 60.9%
Net Current Assets Liabilities 18.2% 18.2% 38.9%
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 7.3% 7.3% 20.3%
Capital Employed - - -
Total Assets Less Current Liabilities 18.2% 18.2% 39.1%
Financial Ratio Analysis Unlock full report
Accounts Date 31-Dec-2023 31-Dec-2021 31-Dec-2020
Liquidity Ratio 1.2 1.2 1.6
Solvency Ratio 1.1 1.1 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 31-Dec-2023 31-Dec-2021 31-Dec-2020
Assets 314,122 314,122 240,509
Debt 291,178 291,178 191,803
Net Assets/Debt 22,944 22,944 48,706

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 current section of the balance sheet has positive working capital. We would normally consider 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 as inferred by the balance sheet the amount of net assets represents a moderate margin of cover over 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 current section of the balance sheet has positive working capital. We would normally consider 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 as inferred by the balance sheet the amount of net assets represents a moderate margin of cover over 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 current section of the balance sheet has positive working capital. We would normally consider 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 as inferred by the balance sheet the amount of net assets represents a moderate margin of cover over 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
Other Business around G2 2BA
HARRISON ADVISERS LIMITED
Cornerstone, 107 West Regent Street, Glasgow, G2 2BA
EASYBANKING LIMITED
89 West Regent Street, Glasgow, G2 2BA
FAKE BAKE U.K. LTD.
Cornerstone, 107 West Regent Street, Glasgow, G2 2BA
CASHFLOW PARTNERS (I.F.) LIMITED
CORNERSTONE, 107, WEST REGENT STREET, GLASGOW, G2 2BA
GWM BALROSSIE LIMITED
C/O Zolfo Cooper Cornerstone, 107 West Regent Street, Glasgow, G2 2BA
YOUR EXPERT GROUP (HOLDINGS) LTD
89 West Regent Street, Glasgow, G2 2BA
HENDERSON PROPERTY CORPORATION LIMITED
95 West Regent Street, Glasgow, G2 2BA
POLICY ENQUIRIES LTD
C/O Zolfo Cooper Cornerstone, 107 West Regent Street, Glasgow, G2 2BA
EASYDEBTFREE LIMITED
89 West Regent Street, Glasgow, G2 2BA
ZOOM CONTRACTS LTD
CALDERSIDE FARM CALDERSIDE ROAD, BLANTYRE, GLASGOW, G2 2BA
Document Filings
Confirmation statement made on 14 February 2026 with no updates
Previous accounting period shortened from 31 December 2024 to 30 December 2024
Confirmation statement made on 14 February 2025 with updates
Certificate of change of name
Compulsory strike-off action has been discontinued
Confirmation statement made on 14 February 2024 with updates
Notification of Laura Mcphail as a person with significant control on 1 February 2024
Notification of Derek Peter Mcphail as a person with significant control on 1 February 2024
Cessation of Your Expert Group (Holdings) Ltd as a person with significant control on 1 February 2024
Compulsory strike-off action has been suspended
First Gazette notice for compulsory strike-off
Confirmation statement made on 10 April 2023 with no updates
Confirmation statement made on 10 April 2022 with no updates
Change of details for Your Expert Group Ltd as a person with significant control on 1 April 2018
Confirmation statement made on 10 April 2021 with no updates
Termination of appointment of Peter Christopher Dean as a director on 23 December 2020
Confirmation statement made on 10 April 2020 with no updates
Confirmation statement made on 10 April 2019 with no updates
Terms and Conditions Cancellations Contact Us

In using this service you agree to the Terms and Conditions

© 2026 Check Free