Company Overview
St Michael's Tippers Limited is listed at the official companies registry as Active Private Limited Company. The company was incorporated on Thursday 28 February 1985, so this is a well established company. St Michael's Tippers Limited has been in business for 41 years and 1 month. The accounts status is total exemption full and the accounts are next due on Saturday 31 January 2026.
Registered Address

Stmichaels Sand Pits St. Michaels Sandpits, St. Michaels, St. Andrews, Fife, KY16 0DY
Credit Reports Available

These credit rating reports are available now:


Credit Analysts Report
Get Report >>

Standard Credit Report
Get Report >>

Basic Credit Report
Get Report >>

24/7 credit rating data feed - no UK company credit reports are updated faster

Companies House Data
Company NameST MICHAEL'S TIPPERS LIMITED
Company NumberSC091901
Registered Office AddressStmichaels Sand Pits St. Michaels Sandpits
 St. Michaels
 KY16 0DY
Company CategoryPrivate Limited Company
Company StatusActive
Country of OriginUnited Kingdom
Incorporation Date28/02/1985
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 Date09/02/2017
Returns Last Made Up Date12/01/2016
Directors & Members
Show Resigned
Rognvald Spence - Director
(British, 70 years old, born October 1956)
Norma Spence - Director
(British, 65 years old, born June 1961)
Appointed 02 April 2025
 Active
Secretaries
Show Resigned
Other Company Directorships
Rognvald Spence
M.N.S. (BRACKMONT) QUARRY LIMITED
Norma Spence
No companies found
Balance Sheet Unlock full report
Accounts Date 30-Apr-2025 30-Apr-2023 30-Apr-2022
Balance Sheet
Fixed Assets 285,658 285,658 337,967
Current Assets 139,996 139,996 187,553
Creditors Due Within One Year 331,775 331,775 367,161
Working Cap -191,779 -191,779 -179,608
Total Assets Less Current Liabilities 93,879 93,879 158,359
Long-term Liabilities 71,837 71,837 114,109
Net Assets 22,042 22,042 44,250
Share Capital & Reserves
Share Cap - - -
Profit & Loss Reserves - - -
Other Reserves - - -
Shareholders Funds 22,042 22,042 44,250
Common Size Financial Analysis Unlock full report
Accounts Date 30-Apr-2025 30-Apr-2023 30-Apr-2022
Tangible Fixed Assets - - -
Fixed Assets 67.1% 67.1% 64.3%
Stocks Inventory - - -
Debtors 20.9% 20.9% 19.5%
Cash Bank In Hand 12.0% 12.0% 16.2%
Current Assets 32.9% 32.9% 35.7%
Creditors Due Within One Year 77.9% 77.9% 69.9%
Net Current Assets Liabilities -45.1% -45.1% -34.2%
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 5.2% 5.2% 8.4%
Capital Employed - - -
Total Assets Less Current Liabilities 22.1% 22.1% 30.1%
Financial Ratio Analysis Unlock full report
Accounts Date 30-Apr-2025 30-Apr-2023 30-Apr-2022
Liquidity Ratio 0.4 0.4 0.5
Solvency Ratio 1.1 1.1 1.1
Reserves to Assets - - -
Secured Creditors Unlock full report
Mortgages Charges 2
Mortgages Outstanding 0
Mortgages Part Satisfied 0
Mortgages Satisfied 2
Assets and Debt Analysis Unlock full report
Accounts Date 30-Apr-2025 30-Apr-2023 30-Apr-2022
Assets 425,654 425,654 525,520
Debt 403,612 403,612 481,270
Net Assets/Debt 22,042 22,042 44,250

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 presents modest net assets. For the size of the company as inferred by the balance sheet the amount of net assets represents a moderate margin of cover over 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 has some deficiency. The balance sheet presents modest net assets. For the size of the company as inferred by the balance sheet the amount of net assets represents a moderate margin of cover over 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 has some deficiency. The balance sheet presents modest net assets. For the size of the company as inferred by the balance sheet the amount of net assets represents a moderate margin of cover over 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
Other Business around KY16 0DY
No other companies found in the same location
Document Filings
Registered office address changed from Kinburn Castle Doubledykes Road St Andrews Fife KY16 9DR Scotland to Stmichaels Sand Pits St. Michaels Sandpits St. Michaels St. Andrews Fife KY16 0DY on 4 February 2026
Confirmation statement made on 12 January 2026 with no updates
Termination of appointment of Thorntons Law Llp as a secretary on 13 January 2026
Appointment of Mrs Norma Ann Spence as a director on 2 April 2025
Confirmation statement made on 12 January 2025 with updates
Notification of Norma Ann Spence as a person with significant control on 6 April 2016
Change of details for Mr Rognvald Woodward Spence as a person with significant control on 6 April 2016
Confirmation statement made on 12 January 2024 with no updates
Satisfaction of charge 1 in full
Confirmation statement made on 12 January 2023 with no updates
Satisfaction of charge 2 in full
Confirmation statement made on 12 January 2022 with no updates
Confirmation statement made on 12 January 2021 with no updates
Confirmation statement made on 12 January 2020 with no updates
Confirmation statement made on 12 January 2019 with updates
Confirmation statement made on 12 January 2018 with updates
Terms and Conditions Cancellations Contact Us

In using this service you agree to the Terms and Conditions

© 2026 Check Free