Company Overview
Umi Scotland Limited is listed at the official companies registry as Active Private Limited Company. The company was incorporated on Thursday 01 December 2011, so this is a well established company. Umi Scotland Limited has been in business for 14 years and 4 months. The accounts status is small and the accounts are next due on Thursday 31 December 2026.
Registered Address

Atrium Business Centre, North Caldeen Road, Coatbridge, Lanarkshire, ML5 4EF
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Companies House Data
Company NameUMI SCOTLAND LIMITED
Company NumberSC412393
Registered Office AddressAtrium Business Centre
 North Caldeen Road
 ML5 4EF
Company CategoryPrivate Limited Company
Company StatusActive
Country of OriginUnited Kingdom
Incorporation Date01/12/2011
Accounting Reference Date Day31
Accounting Reference Date Month3
Accounts Next Due Date31/12/2026
Accounts Last Made Up Date31/03/2025
Accounts Account CategorySMALL
Returns Next Due Date29/12/2016
Returns Last Made Up Date01/12/2015
Previous Company NameChanged Date
BUSINESS & ENTERPRISE SCOTLAND LIMITED17 Jun 2019
Directors & Members
Show Resigned
Nicola Clark - Director
(British, 53 years old, born April 1973)
Appointed 01 December 2011
 Active
Julie Cuthbertson - Director
(British, 45 years old, born July 1981)
Appointed 01 May 2025
 Active
Simon Goon - Director
(British, 54 years old, born January 1972)
Appointed 22 August 2018
 Active
Suzanne McCreedy - Director
(British, 51 years old, born July 1975)
Appointed 02 October 2018
 Active
Secretaries
Show Resigned
Beverley Tindale - Secretary
Appointed 13 February 2024
 Active
Other Company Directorships
Nicola Clark
ACTION SUSTAINABILITY (TRADING) LIMITED
BELLMONT MANAGEMENT SERVICES LIMITED
BUSINESS AND ENTERPRISE NORTH EAST LIMITED
BUSINESS AND ENTERPRISE SERVICES LIMITED
BUSINESS TO BUSINESS EXHIBITIONS LIMITED
HOUSES TO HOMES (BY DAVID CLARK) LIMITED
IN2INTERESTS LIMITED
NDI UK LIMITED
NORTHERN DEFENCE INDUSTRIES LIMITED
ROOM 501 LTD
SYNOPTIC TECHNOLOGIES LTD
UMI COMMERCIAL LIMITED
UMI DIRECT LIMITED
UMI EMPLOYEE OWNERSHIP TRUSTEE CO LIMITED
UMI HOLDINGS LIMITED
UMI INVESTMENT LIMITED
Julie Cuthbertson
DISCOVER LEARNING TRUST
SMART WORKS NEWCASTLE
UMI FUNDING SERVICES LIMITED
Simon Goon
COUNTY DURHAM ENGINEERING AND MANUFACTURING NETWORK LIMITED
EMMANUEL SCHOOLS FOUNDATION
ENTERPRISE DEVELOPMENT NORTH EAST LIMITED
GENERAL PARTNER UMI SCOTLAND LIMITED
INNOVATE NE LIMITED
KARBON HOME COMFORTS LTD
KEY STRENGTHS LIMITED
NATIONAL ENTERPRISE NETWORK
UMI COMMERCIAL LIMITED
UMI DIRECT LIMITED
UMI FUNDING SERVICES LIMITED
UMI HOLDINGS LIMITED
UMI INVESTMENT LIMITED
Suzanne McCreedy
AGE UK NORTHUMBERLAND
AGE UK NORTHUMBERLAND TRADING LIMITED
DURHAM BUSINESS GROUP (NE) LTD
INNOVATE NE LIMITED
UMI COMMERCIAL LIMITED
UMI DIRECT LIMITED
UMI EMPLOYEE OWNERSHIP TRUSTEE CO LIMITED
UMI FUNDING SERVICES LIMITED
UMI HOLDINGS LIMITED
UMI INVESTMENT LIMITED
Balance Sheet Unlock full report
Accounts Date 31-Mar-2025 31-Mar-2023 31-Mar-2022
Balance Sheet
Fixed Assets 0 0 0
Current Assets 1,015,621 1,015,621 1,168,209
Creditors Due Within One Year 305,142 305,142 591,732
Working Cap 710,479 710,479 576,477
Total Assets Less Current Liabilities 710,479 710,479 576,477
Long-term Liabilities 0 0 0
Net Assets 710,479 710,479 576,477
Share Capital & Reserves
Share Cap - - -
Profit & Loss Reserves - - -
Other Reserves - - -
Shareholders Funds 710,479 710,479 576,477
Common Size Financial Analysis Unlock full report
Accounts Date 31-Mar-2025 31-Mar-2023 31-Mar-2022
Tangible Fixed Assets - - -
Fixed Assets 0.0% 0.0% 0.0%
Stocks Inventory - - -
Debtors 83.9% 83.9% 40.6%
Cash Bank In Hand 16.1% 16.1% 59.4%
Current Assets 100.0% 100.0% 100.0%
Creditors Due Within One Year 30.0% 30.0% 50.7%
Net Current Assets Liabilities 70.0% 70.0% 49.3%
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 70.0% 70.0% 49.3%
Capital Employed - - -
Total Assets Less Current Liabilities 70.0% 70.0% 49.3%
Financial Ratio Analysis Unlock full report
Accounts Date 31-Mar-2025 31-Mar-2023 31-Mar-2022
Liquidity Ratio 3.3 3.3 2.0
Solvency Ratio 3.3 3.3 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-2023 31-Mar-2022
Assets 1,015,621 1,015,621 1,168,209
Debt 305,142 305,142 591,732
Net Assets/Debt 710,479 710,479 576,477

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.

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 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.

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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BUSINESS ENTERPRISE SCOTLAND
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Document Filings
Confirmation statement made on 1 December 2025 with no updates
Registered office address changed from Atrium Business Centre North Caldeen Road Coatbridge Lanarkshire ML5 4EF Scotland to Capital Square C/O Brodies 58 Morrison Street Edinburgh EH3 8BP on 6 August 2025
Appointment of Mrs Julie Cuthbertson as a director on 1 May 2025
Confirmation statement made on 1 December 2024 with no updates
Appointment of Miss Beverley Ann Tindale as a secretary on 13 February 2024
Termination of appointment of Kim Oliver as a secretary on 9 February 2024
Termination of appointment of Kim Oliver as a director on 9 February 2024
Termination of appointment of Alastair Angus Maccoll as a director on 29 November 2023
Confirmation statement made on 1 December 2023 with no updates
Termination of appointment of Geoffrey Mark Hodgson as a director on 29 November 2023
Change of details for Umi Holdings Limited as a person with significant control on 17 July 2023
Confirmation statement made on 1 December 2022 with no updates
Director's details changed for Mr Alastair Angus Maccoll on 13 December 2022
Director's details changed for Mr Simon Justin Philip Goon on 13 December 2022
Director's details changed for Mrs Nicola Clark on 13 December 2022
Appointment of Mrs Kim Oliver as a secretary on 20 September 2022
Termination of appointment of Julia Louise Hatton as a secretary on 20 September 2022
Confirmation statement made on 1 December 2021 with no updates
Registered office address changed from 15 Atholl Crescent Edinburgh EH3 8HA to Atrium Business Centre North Caldeen Road Coatbridge Lanarkshire ML5 4EF on 3 August 2021
Director's details changed for Mrs Kim Oliver on 21 May 2021
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