Company Overview
Independent Pension Trustees Limited is listed at the official companies registry as Active Private Limited Company. The company was incorporated on Tuesday 19 November 1991, so this is a well established company. Independent Pension Trustees Limited has been in business for 34 years and 4 months. The accounts status is micro entity and the accounts are next due on Wednesday 31 December 2025.
Registered Address

Claremont Cottage, Strathkinness, St Andrews, Fife, KY16 8NZ
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 NameINDEPENDENT PENSION TRUSTEES LIMITED
Company NumberSC135111
Registered Office AddressClaremont Cottage
 Strathkinness
 KY16 8NZ
Company CategoryPrivate Limited Company
Company StatusActive
Country of OriginUnited Kingdom
Incorporation Date19/11/1991
Accounting Reference Date Day31
Accounting Reference Date Month3
Accounts Next Due Date31/12/2025
Accounts Last Made Up Date31/03/2024
Accounts Account CategoryMICRO ENTITY
Returns Next Due Date29/11/2016
Returns Last Made Up Date01/11/2015
Directors & Members
Show Resigned
Ian Bankier - Director
(British, 74 years old, born March 1952)
Appointed 09 August 1993
 Active
Alexander Fraser - Director
(British, 70 years old, born October 1956)
Appointed 30 March 1992
 Active
Secretaries
Show Resigned
Alexander Fraser - Secretary
(British)
Appointed 30 March 1992
 Active
Other Company Directorships
Ian Bankier
ADE SCOTCH WHISKY LIMITED
ASCOT PUBLISHING LIMITED
BURN STEWART (U.S. HOLDINGS) LIMITED
CELTIC PLC
CL WORLD BRANDS LIMITED
CP1 VCT PLC
CVH SPIRITS LIMITED
EXCEL HOMES LIMITED
FOOD SCIENCE LIMITED
GLENKEIR WHISKIES LIMITED
HIGHLAND INDUSTRIES LIMITED
HILTON WORLDWIDE LIMITED
HURLINGHAM INTERNATIONAL LIMITED
LOCH FYNE WHISKIES LIMITED
LOMOND GOLF SYNDICATE LIMITED
MIH TECHNOLOGIES LIMITED
MINICLOUDS LTD
MOORBURN INDUSTRIES LIMITED
MURRAY GLOBAL RETURN TRUST PLC
MURRAY JOHNSTONE HOLDINGS LIMITED
OFFICETEAM 2 GROUP LIMITED
SEMPLE HOLDINGS LIMITED
STRATUS ENERGY LIMITED
THE SCOTCH WHISKY ASSOCIATION
TSG SCOTCH WHISKY LIMITED
TULLOCH LIMITED
TULLOCH RESORTS LIMITED
WHISKY-ME LIMITED
WILLIAM FOULDS & CO. LIMITED
Alexander Fraser
ARDCRAIG DEVELOPMENTS LIMITED
CHARIS DEVELOPMENTS LIMITED
CITY VILLAGE COMMUNITIES LTD
ECURIE ECOSSE LIMITED
MARKETING SCOTLAND LIMITED
OWEN OWEN PENSION TRUSTEES LIMITED
PAUL ERICSON (BOLTON) LIMITED
PPC (LONDON) LIMITED
PROPERTY PRESENTATION AND CONSTRUCTION LLP
REDRIFF AND BERMONDSEY OUTDOORS LTD.
T J HUGHES & COMPANY(TRUSTEES)LIMITED
TENSE TUCK TONE LIMITED
THE UNIVERSITY OF CUMBRIA
VIPER APPS LTD
WEBSCANNER LIMITED
WEBSITE-GUARD LTD
WILDERNESS ALTERNATIVES LIMITED
Balance Sheet Unlock full report
Accounts Date 31-Mar-2024 31-Mar-2021 31-Mar-2020
Balance Sheet
Fixed Assets 10,500 10,500 10,500
Current Assets 5,990 5,990 5,494
Creditors Due Within One Year 275 275 39
Working Cap 5,715 5,715 5,455
Total Assets Less Current Liabilities 16,215 16,215 15,955
Long-term Liabilities 3,750 3,750 4,500
Net Assets 12,465 12,465 11,455
Share Capital & Reserves
Share Cap - - -
Profit & Loss Reserves - - -
Other Reserves - - -
Shareholders Funds 12,465 12,465 11,455
Common Size Financial Analysis Unlock full report
Accounts Date 31-Mar-2024 31-Mar-2021 31-Mar-2020
Tangible Fixed Assets - - -
Fixed Assets 63.7% 63.7% 65.6%
Stocks Inventory - - -
Debtors - - -
Cash Bank In Hand - - -
Current Assets 36.3% 36.3% 34.4%
Creditors Due Within One Year 1.7% 1.7% 0.2%
Net Current Assets Liabilities 34.7% 34.7% 34.1%
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 75.6% 75.6% 71.6%
Capital Employed - - -
Total Assets Less Current Liabilities 98.3% 98.3% 99.8%
Financial Ratio Analysis Unlock full report
Accounts Date 31-Mar-2024 31-Mar-2021 31-Mar-2020
Liquidity Ratio 21.8 21.8 140.9
Solvency Ratio 4.1 4.1 3.5
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 31-Mar-2024 31-Mar-2021 31-Mar-2020
Assets 16,490 16,490 15,994
Debt 4,025 4,025 4,539
Net Assets/Debt 12,465 12,465 11,455

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 company balance sheet displays a comfortable surplus of working capital. We would normally view 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. 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 latest accounts are not up-to-date. Later accounts are now overdue. Late filing is not a positive factor. Analysis based on the latest figures available must be taken in the context that the figures are not up-to-date.

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 company balance sheet displays a comfortable surplus of working capital. We would normally view 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. 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 latest accounts are not up-to-date. Later accounts are now overdue. Late filing is not a positive factor. Analysis based on the latest figures available must be taken in the context that the figures are not up-to-date.   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 company balance sheet displays a comfortable surplus of working capital. We would normally view 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. 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 latest accounts are not up-to-date. Later accounts are now overdue. Late filing is not a positive factor. Analysis based on the latest figures available must be taken in the context that the figures are not up-to-date.

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 8NZ
ARDCRAIG DEVELOPMENTS LIMITED
CLAREMONT COTTAGE, MAGUS MUIR, ST. ANDREWS, FIFE, KY16 8NZ
TENSE TUCK TONE LIMITED
Claremont Cottage, St. Andrews, KY16 8NZ
ECURIE ECOSSE LIMITED
CLAREMONT COTTAGE, MAGUS WOOD, ST. ANDREWS, FIFE, KY16 8NZ
MARKETING SCOTLAND LIMITED
CLAREMONT COTTAGE, MAGUS MUIR, ST ANDREWS, FIFE, KY16 8NZ
WEBSCANNER LIMITED
Claremont Cottage, Strathkinness, St. Andrews, Fife, KY16 8NZ
CITY VILLAGE COMMUNITIES LTD
Claremont Cottage, Strathkinness, St. Andrews, Fife, KY16 8NZ
Document Filings
Confirmation statement made on 1 November 2025 with no updates
Confirmation statement made on 1 November 2024 with updates
Confirmation statement made on 1 November 2023 with no updates
Confirmation statement made on 1 November 2022 with no updates
Confirmation statement made on 1 November 2021 with no updates
Confirmation statement made on 1 November 2020 with no updates
Confirmation statement made on 1 November 2019 with no updates
Confirmation statement made on 1 November 2018 with no updates
Confirmation statement made on 1 November 2017 with no updates
Confirmation statement made on 1 November 2016 with updates
Certificate of re-registration from Public Limited Company to Private
Re-registration of Memorandum and Articles
Resolutions
Re-registration from a public company to a private limited company
Terms and Conditions Cancellations Contact Us

In using this service you agree to the Terms and Conditions

© 2026 Check Free