Company Overview
Carnegie Investment Asset Management Limited is listed at the official companies registry as Active Private Limited Company. The company was incorporated on Friday 13 March 1998, so this is a well established company. Carnegie Investment Asset Management Limited has been in business for 28 years. The accounts status is total exemption full and the accounts are next due on Thursday 31 December 2026.
Registered Address

C/O Bishop Fleming Llp, 10 Temple Back, Bristol, BS1 6FL
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Companies House Data
Company NameCARNEGIE INVESTMENT ASSET MANAGEMENT LIMITED
Company Number03530679
Registered Office AddressC/O Bishop Fleming Llp
 10 Temple Back
 BS1 6FL
Company CategoryPrivate Limited Company
Company StatusActive
Country of OriginUnited Kingdom
Incorporation Date13/03/1998
Accounting Reference Date Day31
Accounting Reference Date Month3
Accounts Next Due Date31/12/2026
Accounts Last Made Up Date31/03/2025
Accounts Account CategoryTOTAL EXEMPTION FULL
Returns Next Due Date10/04/2017
Returns Last Made Up Date13/03/2016
Previous Company NameChanged Date
WBS INVESTMENT LIMITED25 Mar 2010
Directors & Members
Show Resigned
Lucille De Savary - Director
(British, 72 years old, born October 1954)
Appointed 16 February 2007
 Active
Secretaries
Show Resigned
Joseph Keefe - Secretary
(British)
Appointed 06 June 2008
 Active
Other Company Directorships
Lucille De Savary
BREWHOUSE HOLDINGS LIMITED
CAR PARK FINANCE LLP
CARNEGIE AVIATION LIMITED
CARNEGIE CLUBS (INTERNATIONAL) LIMITED
CARNEGIE INTERNATIONAL ASSET MANAGEMENT LIMITED
CARY ARMS LIMITED
HAVANA WEST HOTELS (BC) LIMITED
HAVANA WEST LIMITED
MERRY HARRIERS LIMITED
MIDDLEPOINT DEVELOPMENTS LIMITED
PENZANCE MARITIME HOLDINGS LIMITED
SKIBO LIMITED
STAPLEFORD PARK LIMITED
TAS ASSOCIATES LIMITED
THE CARY ARMS HOTEL AND SPA LIMITED
THE EASTBURY (SHERBORNE) LIMITED
THE ISLE OF WIGHT CLUB LIMITED
THE PARKWAY HOTEL AND SPA LIMITED
Balance Sheet Unlock full report
Accounts Date 31-Mar-2025 31-Mar-2022 31-Mar-2021
Balance Sheet
Fixed Assets 10,473,853 10,473,853 10,175,081
Current Assets 16,239,785 16,239,785 17,715,846
Creditors Due Within One Year 18,000,980 18,000,980 20,261,213
Working Cap -1,761,195 -1,761,195 -2,545,367
Total Assets Less Current Liabilities 8,712,658 8,712,658 7,629,714
Long-term Liabilities 0 0 0
Net Assets 8,712,658 8,712,658 7,629,714
Share Capital & Reserves
Share Cap - - -
Profit & Loss Reserves - - -
Other Reserves - - -
Shareholders Funds 8,712,658 8,712,658 7,629,714
Common Size Financial Analysis Unlock full report
Accounts Date 31-Mar-2025 31-Mar-2022 31-Mar-2021
Tangible Fixed Assets - - -
Fixed Assets 39.2% 39.2% 36.5%
Stocks Inventory - - -
Debtors 59.7% 59.7% 59.7%
Cash Bank In Hand 1.0% 1.0% 3.9%
Current Assets 60.8% 60.8% 63.5%
Creditors Due Within One Year 67.4% 67.4% 72.6%
Net Current Assets Liabilities -6.6% -6.6% -9.1%
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 32.6% 32.6% 27.4%
Capital Employed - - -
Total Assets Less Current Liabilities 32.6% 32.6% 27.4%
Financial Ratio Analysis Unlock full report
Accounts Date 31-Mar-2025 31-Mar-2022 31-Mar-2021
Liquidity Ratio 0.9 0.9 0.9
Solvency Ratio 1.5 1.5 1.4
Reserves to Assets - - -
Secured Creditors Unlock full report
Mortgages Charges 3
Mortgages Outstanding 3
Mortgages Part Satisfied 0
Mortgages Satisfied 0
Assets and Debt Analysis Unlock full report
Accounts Date 31-Mar-2025 31-Mar-2022 31-Mar-2021
Assets 26,713,638 26,713,638 27,890,927
Debt 18,000,980 18,000,980 20,261,213
Net Assets/Debt 8,712,658 8,712,658 7,629,714

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.

As at the balance sheet date current liquid assets were slightly less than short term debt. We would normally view a company broadly neutrally for this. Total reserves including retained profitability and movement in reserves appeared positive. We would normally view a company positively for this. The amount of net assets suggests sufficient cover for total debts and obligations for the size of the company inferred by the balance sheet.

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.As at the balance sheet date current liquid assets were slightly less than short term debt. We would normally view a company broadly neutrally for this. Total reserves including retained profitability and movement in reserves appeared positive. We would normally view a company positively for this. The amount of net assets suggests sufficient cover for total debts and obligations for the size of the company inferred by the balance sheet.   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.As at the balance sheet date current liquid assets were slightly less than short term debt. We would normally view a company broadly neutrally for this. Total reserves including retained profitability and movement in reserves appeared positive. We would normally view a company positively for this. The amount of net assets suggests sufficient cover for total debts and obligations for the size of the company inferred by the balance sheet.

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 13 March 2026 with updates
Confirmation statement made on 13 March 2025 with updates
Confirmation statement made on 13 March 2024 with updates
Director's details changed for Ms Lucille Lanette De Savary on 13 March 2024
Change of details for Mrs Lucille Lanette De Savary as a person with significant control on 13 March 2024
Change of details for Mrs Lucille Lanette De Savary as a person with significant control on 6 March 2024
Secretary's details changed for Mr Joseph James Keefe on 24 March 2023
Confirmation statement made on 13 March 2023 with updates
Confirmation statement made on 13 March 2022 with updates
Director's details changed for Ms Lucille Lanette De Savary on 14 March 2022
Director's details changed for Ms Lucille Lanette De Savary on 2 March 2022
Registered office address changed from Minerva House Lower Bristol Road Bath BA2 9ER to C/O Bishop Fleming Llp 10 Temple Back Bristol BS1 6FL on 23 February 2022
Confirmation statement made on 13 March 2021 with updates
Secretary's details changed for Mr Joseph James Keefe on 25 March 2021
Director's details changed for Ms Lucille Lanette De Savary on 25 March 2021
Registration of charge 035306790003, created on 3 February 2021
Confirmation statement made on 13 March 2020 with updates
Confirmation statement made on 13 March 2019 with updates
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