Company Overview
Independent Care Plans U.K. Ltd. is listed at the official companies registry as Active Private Limited Company. The company was incorporated on Monday 27 March 1995, so this is a well established company. Independent Care Plans U.K. Ltd. has been in business for 31 years. The accounts status is unaudited abridged and the accounts are next due on Thursday 31 December 2026.
Registered Address

Suite A Fourth Floor, Young Street, Inverness, IV3 5BL
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Companies House Data
Company NameINDEPENDENT CARE PLANS U.K. LTD.
Company NumberSC156942
Registered Office AddressSuite A Fourth Floor
 Young Street
 IV3 5BL
Company CategoryPrivate Limited Company
Company StatusActive
Country of OriginUnited Kingdom
Incorporation Date27/03/1995
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 Date24/04/2017
Returns Last Made Up Date27/03/2016
Directors & Members
Show Resigned
Margaret Behrendt - Director
(British, 64 years old, born February 1962)
Appointed 12 November 1997
 Active
Robert Donald - Director
(British, 67 years old, born December 1959)
Appointed 08 November 2023
 Active
Neal Drummond - Director
(British, 69 years old, born April 1957)
Appointed 17 November 2021
 Active
Millar Hunter - Director
(British, 65 years old, born November 1961)
Appointed 12 November 1997
 Active
Kevin Leeming - Director
(British, 59 years old, born July 1967)
Appointed 12 November 1997
 Active
Graham Rutherford - Director
(British, 68 years old, born September 1958)
Appointed 10 December 2007
 Active
Secretaries
Show Resigned
Graham Rutherford - Secretary
Appointed 11 April 2025
 Active
Other Company Directorships
Margaret Behrendt
WEST OF SCOTLAND DENTAL PLAN LIMITED
Robert Donald
RD DENT LTD
THE MEDICAL AND DENTAL DEFENCE UNION OF SCOTLAND
WEST OF SCOTLAND DENTAL PLAN LIMITED
WINDSOR HOUSE DENTAL PRACTICE LIMITED
Neal Drummond
TORWOOD PRACTICE LIMITED
Millar Hunter
MORVEN INVERNESS LIMITED
WEST OF SCOTLAND DENTAL PLAN LIMITED
Kevin Leeming
CASTLE HOUSE DENTAL PRACTICE LTD
FULTON REALTY LIMITED
HIGHLAND SKIN CLINICS LIMITED
OMEGA TIERNEY LIMITED
WEST OF SCOTLAND DENTAL PLAN LIMITED
Graham Rutherford
RUTHERFORD CARE LIMITED
Balance Sheet Unlock full report
Accounts Date 31-Mar-2025 31-Mar-2023 31-Mar-2022
Balance Sheet
Fixed Assets 57,233 57,233 21,330
Current Assets 354,900 354,900 439,090
Creditors Due Within One Year 169,660 169,660 191,705
Working Cap 185,240 185,240 247,385
Total Assets Less Current Liabilities 242,473 242,473 268,715
Long-term Liabilities 10,874 10,874 4,053
Net Assets 231,599 231,599 264,662
Share Capital & Reserves
Share Cap - - -
Profit & Loss Reserves - - -
Other Reserves - - -
Shareholders Funds 231,599 231,599 264,662
Common Size Financial Analysis Unlock full report
Accounts Date 31-Mar-2025 31-Mar-2023 31-Mar-2022
Tangible Fixed Assets - - -
Fixed Assets 13.9% 13.9% 4.6%
Stocks Inventory - - -
Debtors 2.2% 2.2% 1.5%
Cash Bank In Hand 83.9% 83.9% 93.9%
Current Assets 86.1% 86.1% 95.4%
Creditors Due Within One Year 41.2% 41.2% 41.6%
Net Current Assets Liabilities 44.9% 44.9% 53.7%
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 56.2% 56.2% 57.5%
Capital Employed - - -
Total Assets Less Current Liabilities 58.8% 58.8% 58.4%
Financial Ratio Analysis Unlock full report
Accounts Date 31-Mar-2025 31-Mar-2023 31-Mar-2022
Liquidity Ratio 2.1 2.1 2.3
Solvency Ratio 2.3 2.3 2.4
Reserves to Assets - - -
Secured Creditors Unlock full report
Mortgages Charges 2
Mortgages Outstanding 2
Mortgages Part Satisfied 0
Mortgages Satisfied 0
Assets and Debt Analysis Unlock full report
Accounts Date 31-Mar-2025 31-Mar-2023 31-Mar-2022
Assets 412,133 412,133 460,420
Debt 180,534 180,534 195,758
Net Assets/Debt 231,599 231,599 264,662

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 has some deficiency. 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.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 has some deficiency. 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.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 has some deficiency. 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
Other Business around IV3 5BL
WHITE NOISE LEISURE LTD
5-9 Young Street, Inverness, IV3 5BL
Document Filings
Confirmation statement made on 3 March 2026 with no updates
Appointment of Dr Graham Rutherford as a secretary on 11 April 2025
Termination of appointment of Iain Sharp as a secretary on 11 April 2025
Termination of appointment of Iain Andrew Sharp as a director on 11 April 2025
Confirmation statement made on 27 March 2025 with no updates
Director's details changed for Iain Andrew Sharp on 11 April 2025
Memorandum and Articles of Association
Resolutions
Confirmation statement made on 27 March 2024 with updates
Appointment of Dr Robert Mcmillan Donald as a director on 8 November 2023
Confirmation statement made on 27 March 2023 with no updates
Secretary's details changed for Iain Sharpe on 7 February 2023
Termination of appointment of William Ridley Longstaff as a director on 16 November 2022
Resolutions
Memorandum and Articles of Association
Appointment of Neal Fraser Drummond as a director on 17 November 2021
Appointment of Iain Sharpe as a secretary on 17 November 2021
Termination of appointment of John Jamieson as a director on 17 November 2021
Termination of appointment of John Jamieson as a secretary on 17 November 2021
Confirmation statement made on 27 March 2022 with no updates
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