Company Overview
Citypoint Wealth Limited is listed at the official companies registry as Active Private Limited Company. The company was incorporated on Friday 03 May 1974, so this is a well established company. Citypoint Wealth Limited has been in business for 51 years and 11 months. The accounts status is unaudited abridged and the accounts are next due on Wednesday 31 December 2025.
Registered Address

Lower Ground Suite, 14 Newton Place, Glasgow, G3 7PY
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Companies House Data
Company NameCITYPOINT WEALTH LIMITED
Company NumberSC055597
Registered Office AddressLower Ground Suite
 14 Newton Place
 G3 7PY
Company CategoryPrivate Limited Company
Company StatusActive
Country of OriginUnited Kingdom
Incorporation Date03/05/1974
Accounting Reference Date Day31
Accounting Reference Date Month3
Accounts Next Due Date31/12/2026
Accounts Last Made Up Date31/03/2025
Accounts Account CategoryUNAUDITED ABRIDGED
Returns Next Due Date15/10/2016
Returns Last Made Up Date17/09/2015
Previous Company NameChanged Date
HARDIE CALDWELL FINANCIAL SOLUTIONS LTD.07 Dec 2016
Directors & Members
Show Resigned
Lianne Carruth - Director
(Scottish, 43 years old, born May 1983)
Appointed 01 May 2025
 Active
Brian McQuarrie - Director
(British, 65 years old, born October 1961)
Appointed 01 April 2011
 Active
Secretaries
Show Resigned
Other Company Directorships
Lianne Carruth
MCQ WEALTH LTD
RUBY ROO PROPERTY LTD
TRADESTONE WEALTH LTD
Brian McQuarrie
HARDIE CALDWELL FINANCIAL SOLUTIONS LTD
MCQ FINANCIAL MANAGEMENT LTD.
Balance Sheet Unlock full report
Accounts Date 31-Mar-2025 31-Mar-2022 31-Mar-2021
Balance Sheet
Fixed Assets 9,000 9,000 3,972
Current Assets 237,669 237,669 151,197
Creditors Due Within One Year 184,725 184,725 121,604
Working Cap 52,944 52,944 29,593
Total Assets Less Current Liabilities 61,944 61,944 33,565
Long-term Liabilities 1,710 1,710 1,565
Net Assets 60,234 60,234 32,000
Share Capital & Reserves
Share Cap - - -
Profit & Loss Reserves - - -
Other Reserves - - -
Shareholders Funds 60,234 60,234 32,000
Common Size Financial Analysis Unlock full report
Accounts Date 31-Mar-2025 31-Mar-2022 31-Mar-2021
Tangible Fixed Assets - - -
Fixed Assets 3.6% 3.6% 2.6%
Stocks Inventory - - -
Debtors 44.0% 44.0% 17.3%
Cash Bank In Hand 52.3% 52.3% 80.1%
Current Assets 96.4% 96.4% 97.4%
Creditors Due Within One Year 74.9% 74.9% 78.4%
Net Current Assets Liabilities 21.5% 21.5% 19.1%
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 24.4% 24.4% 20.6%
Capital Employed - - -
Total Assets Less Current Liabilities 25.1% 25.1% 21.6%
Financial Ratio Analysis Unlock full report
Accounts Date 31-Mar-2025 31-Mar-2022 31-Mar-2021
Liquidity Ratio 1.3 1.3 1.2
Solvency Ratio 1.3 1.3 1.3
Reserves to Assets - - -
Secured Creditors Unlock full report
Mortgages Charges 1
Mortgages Outstanding 1
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 246,669 246,669 155,169
Debt 186,435 186,435 123,169
Net Assets/Debt 60,234 60,234 32,000

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 appeared positive. We would normally view a company positively for this. The balance sheet presents modest net assets. 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.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 appeared positive. We would normally view a company positively for this. The balance sheet presents modest net assets. 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.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 appeared positive. We would normally view a company positively for this. The balance sheet presents modest net assets. 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
Change of details for Tradestone Wealth Ltd as a person with significant control on 1 December 2025
Cessation of Brian Mcquarrie as a person with significant control on 1 December 2025
Confirmation statement made on 17 September 2025 with no updates
Appointment of Miss Lianne Lyndsay Carruth as a director on 1 May 2025
Termination of appointment of Lianne Lyndsay Carruth as a director on 11 February 2025
Confirmation statement made on 17 September 2024 with updates
Particulars of variation of rights attached to shares
Confirmation statement made on 17 September 2023 with updates
Registered office address changed from C/O Hardie Caldwell Llp, Citypoint 2, 25 Tyndrum Street Glasgow G4 0JY to Lower Ground Suite 14 Newton Place Glasgow G3 7PY on 22 September 2023
Resolutions
Memorandum and Articles of Association
Change of share class name or designation
Memorandum and Articles of Association
Resolutions
Confirmation statement made on 17 September 2022 with no updates
Confirmation statement made on 17 September 2021 with updates
Termination of appointment of Angus Mccuaig as a director on 26 May 2021
Appointment of Miss Lianne Lyndsay Carruth as a director on 26 May 2021
Notification of Tradestone Wealth Ltd as a person with significant control on 26 May 2021
Cessation of Hardie Caldwell Llp as a person with significant control on 26 May 2021
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