Company Overview
Murray & Finlay Ltd is listed at the official companies registry as Active Private Limited Company. The company was incorporated on Wednesday 26 November 2014, so this is a well established company. Murray & Finlay Ltd has been in business for 11 years and 4 months. The accounts status is total exemption full and the accounts are next due on Wednesday 31 December 2025.
Registered Address

2Nd Floor (East) Belgrave Court, Rosehall Road, Bellshill, North Lanarkshire, ML4 3NR
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Companies House Data
Company NameMURRAY & FINLAY LTD
Company NumberSC492042
Registered Office Address2nd Floor (East) Belgrave Court
 Rosehall Road
 ML4 3NR
Company CategoryPrivate Limited Company
Company StatusActive
Country of OriginUnited Kingdom
Incorporation Date26/11/2014
Accounting Reference Date Day31
Accounting Reference Date Month3
Accounts Next Due Date31/12/2025
Accounts Last Made Up Date31/03/2024
Accounts Account CategoryTOTAL EXEMPTION FULL
Returns Next Due Date24/12/2016
Returns Last Made Up Date26/11/2015
Previous Company NameChanged Date
ME PORTFOLIO CONSULTANCY LTD.14 Dec 2015
Directors & Members
Show Resigned
Graeme Logan - Director
(British, 41 years old, born June 1985)
Appointed 26 November 2014
 Active
Raymond Logan - Director
(British, 48 years old, born September 1978)
Appointed 30 November 2015
 Active
Secretaries
No Secretaries Appointed
Other Company Directorships
Graeme Logan
No companies found
Raymond Logan
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Balance Sheet Unlock full report
Accounts Date 31-Mar-2024 31-Mar-2023 31-Mar-2022
Balance Sheet
Fixed Assets 760,000 760,000 760,000
Current Assets 12,492 12,492 5,779
Creditors Due Within One Year 94,799 94,799 103,488
Working Cap -82,307 -82,307 -97,709
Total Assets Less Current Liabilities 677,693 677,693 662,291
Long-term Liabilities 677,593 677,593 662,191
Net Assets 100 100 100
Share Capital & Reserves
Share Cap - - -
Profit & Loss Reserves - - -
Other Reserves - - -
Shareholders Funds 100 100 100
Common Size Financial Analysis Unlock full report
Accounts Date 31-Mar-2024 31-Mar-2023 31-Mar-2022
Tangible Fixed Assets - - -
Fixed Assets 98.4% 98.4% 99.2%
Stocks Inventory - - -
Debtors 0.1% 0.1% 0.1%
Cash Bank In Hand 1.5% 1.5% 0.7%
Current Assets 1.6% 1.6% 0.8%
Creditors Due Within One Year 12.3% 12.3% 13.5%
Net Current Assets Liabilities -10.7% -10.7% -12.8%
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 0.0% 0.0% 0.0%
Capital Employed - - -
Total Assets Less Current Liabilities 87.7% 87.7% 86.5%
Financial Ratio Analysis Unlock full report
Accounts Date 31-Mar-2024 31-Mar-2023 31-Mar-2022
Liquidity Ratio 0.1 0.1 0.1
Solvency Ratio 1.0 1.0 1.0
Reserves to Assets - - -
Secured Creditors Unlock full report
Mortgages Charges 6
Mortgages Outstanding 6
Mortgages Part Satisfied 0
Mortgages Satisfied 0
Assets and Debt Analysis Unlock full report
Accounts Date 31-Mar-2024 31-Mar-2023 31-Mar-2022
Assets 772,492 772,492 765,779
Debt 772,392 772,392 765,679
Net Assets/Debt 100 100 100

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 has some deficiency. The balance sheet displays a very modest amount of net assets. For the size of the company as inferred by the balance sheet the amount of net assets represents a relatively small 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.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 has some deficiency. The balance sheet displays a very modest amount of net assets. For the size of the company as inferred by the balance sheet the amount of net assets represents a relatively small 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.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 has some deficiency. The balance sheet displays a very modest amount of net assets. For the size of the company as inferred by the balance sheet the amount of net assets represents a relatively small 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 ML4 3NR
GHI CONTRACTS HOLDINGS LIMITED
BELGRAVE COURT ROSEHALL ROAD, BELLSHILL INDUSTRIAL ESTATE, BELLSHILL, NORTH LANARKSHIRE, ML4 3NR
GHI CONTRACTS LIMITED
C/O Bdo Llp, 2 Atlantic Square, 31 York Street, Glasgow, ML4 3NR
Document Filings
Director's details changed for Mr Graeme Logan on 18 March 2026
Director's details changed for Mr Raymond Logan on 18 March 2026
Registered office address changed from 272 Bath Street Glasgow G2 4JR Scotland to 48 West George Street Glasgow G2 1BP on 26 March 2026
Change of details for Mr Raymond Logan as a person with significant control on 18 March 2026
Director's details changed for Mr Graeme Logan on 18 March 2026
Confirmation statement made on 26 November 2025 with updates
Change of details for Mr Graeme Logan as a person with significant control on 30 July 2025
Change of details for Mr Raymond Logan as a person with significant control on 26 November 2025
Director's details changed for Mr Graeme Logan on 30 July 2025
Director's details changed for Mr Raymond Logan on 12 August 2025
Director's details changed for Mr Graeme Logan on 12 August 2025
Registered office address changed from 2nd Floor (East) Belgrave Court Rosehall Road Bellshill North Lanarkshire ML4 3NR Scotland to 272 Bath Street Glasgow G2 4JR on 30 July 2025
Confirmation statement made on 26 November 2024 with updates
Director's details changed for Mr Raymond Logan on 7 March 2024
Change of details for Mr Raymond Logan as a person with significant control on 7 March 2024
Confirmation statement made on 26 November 2023 with updates
Registered office address changed from 20 Anderson Street Airdrie ML6 0AA Scotland to 2nd Floor (East) Belgrave Court Rosehall Road Bellshill North Lanarkshire ML4 3NR on 15 February 2023
Confirmation statement made on 26 November 2022 with updates
Director's details changed for Mr Raymond Logan on 1 December 2021
Change of details for Mr Raymond Logan as a person with significant control on 1 December 2021
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