Company Overview
Highland Fine Cheeses Limited is listed at the official companies registry as Active Private Limited Company. The company was incorporated on Wednesday 05 April 1967, so this is a well established company. Highland Fine Cheeses Limited has been in business for 58 years and 11 months. The accounts status is total exemption full and the accounts are next due on Saturday 28 February 2026.
Registered Address

Highland Fine Cheeses Blarliath Farm, Shore Road, Tain, Ross-Shire, IV19 1EB
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Companies House Data
Company NameHIGHLAND FINE CHEESES LIMITED
Company NumberSC044504
Registered Office AddressHIGHLAND FINE CHEESES BLARLIATH FARM
 SHORE ROAD
 IV19 1EB
Company CategoryPrivate Limited Company
Company StatusActive
Country of OriginUnited Kingdom
Incorporation Date05/04/1967
Accounting Reference Date Day31
Accounting Reference Date Month5
Accounts Next Due Date28/02/2027
Accounts Last Made Up Date31/05/2025
Accounts Account CategoryTOTAL EXEMPTION FULL
Returns Next Due Date31/12/2016
Returns Last Made Up Date03/12/2015
Directors & Members
Show Resigned
Ruariadh Stone - Director
(British, 62 years old, born January 1964)
Appointed 18 April 1994
 Active
Secretaries
Show Resigned
Ruth Farquhar - Secretary
Appointed 06 December 2021
 Active
Other Company Directorships
Ruariadh Stone
HIGHLAND FINE CELTIC FOODS LIMITED
HIGHLAND FINE HOUSES LIMITED
MUNRO FRUIT MERCHANTS LTD.
RS MANAGEMENT LTD.
Balance Sheet Unlock full report
Accounts Date 31-May-2025 31-May-2022 31-May-2021
Balance Sheet
Fixed Assets 318,843 318,843 304,739
Current Assets 421,470 421,470 566,654
Creditors Due Within One Year 334,506 334,506 386,451
Working Cap 86,964 86,964 180,203
Total Assets Less Current Liabilities 405,807 405,807 484,942
Long-term Liabilities 293,521 293,521 372,656
Net Assets 112,286 112,286 112,286
Share Capital & Reserves
Share Cap - - -
Profit & Loss Reserves - - -
Other Reserves - - -
Shareholders Funds 112,286 112,286 112,286
Common Size Financial Analysis Unlock full report
Accounts Date 31-May-2025 31-May-2022 31-May-2021
Tangible Fixed Assets - - -
Fixed Assets 43.1% 43.1% 35.0%
Stocks Inventory - - -
Debtors 35.0% 35.0% 38.1%
Cash Bank In Hand - - 3.1%
Current Assets 56.9% 56.9% 65.0%
Creditors Due Within One Year 45.2% 45.2% 44.3%
Net Current Assets Liabilities 11.7% 11.7% 20.7%
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 15.2% 15.2% 12.9%
Capital Employed - - -
Total Assets Less Current Liabilities 54.8% 54.8% 55.7%
Financial Ratio Analysis Unlock full report
Accounts Date 31-May-2025 31-May-2022 31-May-2021
Liquidity Ratio 1.3 1.3 1.5
Solvency Ratio 1.2 1.2 1.1
Reserves to Assets - - -
Secured Creditors Unlock full report
Mortgages Charges 7
Mortgages Outstanding 1
Mortgages Part Satisfied 0
Mortgages Satisfied 6
Assets and Debt Analysis Unlock full report
Accounts Date 31-May-2025 31-May-2022 31-May-2021
Assets 740,313 740,313 871,393
Debt 628,027 628,027 759,107
Net Assets/Debt 112,286 112,286 112,286

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. For the size of the company inferred by the balance sheet this level of net assets suggests total debts and obligations were moderately well covered.

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. For the size of the company inferred by the balance sheet this level of net assets suggests total debts and obligations were moderately well covered.   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. For the size of the company inferred by the balance sheet this level of net assets suggests total debts and obligations were moderately well covered.

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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