Company Overview
Three Counties Financial Management Holdings Limited is listed at the official companies registry as Active Private Limited Company. The company was incorporated on Tuesday 30 April 2019. Three Counties Financial Management Holdings Limited has been in business for 6 years and 11 months. The accounts status is total exemption full and the accounts are next due on Saturday 31 January 2026.
Registered Address

17 Walkergate, Berwick Upon Tweed, Northumberland, TD15 1DJ
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Companies House Data
Company NameTHREE COUNTIES FINANCIAL MANAGEMENT HOLDINGS LIMITED
Company Number11971798
Registered Office Address17 Walkergate
 TD15 1DJ
Company CategoryPrivate Limited Company
Company StatusActive
Country of OriginUnited Kingdom
Incorporation Date30/04/2019
Accounting Reference Date Day30
Accounting Reference Date Month4
Accounts Next Due Date31/01/2027
Accounts Last Made Up Date30/04/2025
Accounts Account CategoryTOTAL EXEMPTION FULL
Returns Next Due Date28/05/2020
Directors & Members
Show Resigned
Stuart Allister - Director
(British, 57 years old, born November 1969)
Appointed 30 April 2019
 Active
John Coats - Director
(British, 63 years old, born December 1963)
Appointed 30 April 2019
 Active
Stuart Faed - Director
(British, 62 years old, born December 1964)
Appointed 30 April 2019
 Active
Colin Frame - Director
(British, 57 years old, born May 1969)
Appointed 30 April 2019
 Active
Secretaries
No Secretaries Appointed
Other Company Directorships
Stuart Allister
GREAVES WEST & AYRE (BERWICK) LLP
GREAVES WEST & AYRE LIMITED
GWA ASSET MANAGEMENT LTD
GWA COSEC LTD
GWA TRUSTEES LTD
MGTS QUALIS LIMITED
QUALIS ASSET MANAGEMENT LIMITED
THREE COUNTIES LIMITED
THREE QUAY WALLS MANAGEMENT COMPANY LIMITED
John Coats
DLG OPERATING COMPANY LIMITED
GREAVES WEST & AYRE (BERWICK) LLP
GREAVES WEST & AYRE LIMITED
GWA ASSET MANAGEMENT LTD
GWA COSEC LTD
GWA TRUSTEES LTD
MGTS QUALIS LIMITED
PLUMLET AGRICULTURE LIMITED
QUALIS ASSET MANAGEMENT LIMITED
THREE COUNTIES LIMITED
Stuart Faed
GREAVES WEST & AYRE (BERWICK) LLP
GREAVES WEST & AYRE LIMITED
GWA ASSET MANAGEMENT LTD
GWA COSEC LTD
GWA TRUSTEES LTD
THE ABBEYFIELD BERWICK SOCIETY LIMITED
THREE COUNTIES LIMITED
Colin Frame
BERWICK & DISTRICT RUGBY FOOTBALL FOUNDATION
BERWICK ACADEMY
BERWICK RUGBY FOOTBALL CLUB (TRADING) LIMITED
BERWICK RUGBY FOOTBALL CLUB LIMITED
GREAVES WEST & AYRE (BERWICK) LLP
GREAVES WEST & AYRE LIMITED
GWA ASSET MANAGEMENT LTD
GWA COSEC LTD
GWA TRUSTEES LTD
THREE COUNTIES LIMITED
Balance Sheet Unlock full report
Accounts Date 30-Apr-2025 30-Apr-2022 30-Apr-2021
Balance Sheet
Fixed Assets 667,220 667,220 662,771
Current Assets 140,104 140,104 77,842
Creditors Due Within One Year 535,111 535,111 530,662
Working Cap -395,007 -395,007 -452,820
Total Assets Less Current Liabilities 272,213 272,213 209,951
Long-term Liabilities 0 0 0
Net Assets 272,213 272,213 209,951
Share Capital & Reserves
Share Cap - - -
Profit & Loss Reserves - - -
Other Reserves - - -
Shareholders Funds 272,213 272,213 209,951
Common Size Financial Analysis Unlock full report
Accounts Date 30-Apr-2025 30-Apr-2022 30-Apr-2021
Tangible Fixed Assets - - -
Fixed Assets 82.6% 82.6% 89.5%
Stocks Inventory - - -
Debtors 0.0% 0.0% 10.5%
Cash Bank In Hand 17.4% 17.4% 0.0%
Current Assets 17.4% 17.4% 10.5%
Creditors Due Within One Year 66.3% 66.3% 71.7%
Net Current Assets Liabilities -48.9% -48.9% -61.1%
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 33.7% 33.7% 28.3%
Capital Employed - - -
Total Assets Less Current Liabilities 33.7% 33.7% 28.3%
Financial Ratio Analysis Unlock full report
Accounts Date 30-Apr-2025 30-Apr-2022 30-Apr-2021
Liquidity Ratio 0.3 0.3 0.1
Solvency Ratio 1.5 1.5 1.4
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 30-Apr-2025 30-Apr-2022 30-Apr-2021
Assets 807,324 807,324 740,613
Debt 535,111 535,111 530,662
Net Assets/Debt 272,213 272,213 209,951

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 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.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 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.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 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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Document Filings
Termination of appointment of Richard John Ayre as a director on 4 March 2026
Termination of appointment of Robert Henry Dalgleish as a director on 4 March 2026
Termination of appointment of Craig Gordon Little as a director on 4 March 2026
Termination of appointment of Roseanne Marie Bennett as a director on 4 March 2026
Confirmation statement made on 23 May 2025 with updates
Confirmation statement made on 29 April 2025 with no updates
Termination of appointment of Douglas Allan Gould as a director on 25 June 2024
Confirmation statement made on 29 April 2024 with no updates
Director's details changed for Mrs Roseanne Marie Bennett on 11 October 2023
Termination of appointment of Ewan Charles Millar as a director on 5 April 2024
Termination of appointment of Alan James Patterson as a director on 5 April 2024
Confirmation statement made on 29 April 2023 with no updates
Certificate of re-registration from Unlimited to Limited
Re-registration from a private unlimited company to a private limited company
Re-registration of Memorandum and Articles
Resolutions
Confirmation statement made on 29 April 2022 with no updates
Termination of appointment of Andrew Nicholas Ayre as a director on 30 April 2022
Confirmation statement made on 29 April 2021 with no updates
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