Company Overview
H. & R. Insurance Services Limited is listed at the official companies registry as Active Private Limited Company. The company was incorporated on Wednesday 20 November 1996, so this is a well established company. H. & R. Insurance Services Limited has been in business for 29 years and 4 months. The accounts status is total exemption full and the accounts are next due on Thursday 31 December 2026.
Registered Address

529 North Deeside Road, Cults, Aberdeen, AB15 9ES
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Companies House Data
Company NameH. & R. INSURANCE SERVICES LIMITED
Company NumberSC170036
Registered Office Address529 North Deeside Road
 Cults
 AB15 9ES
Company CategoryPrivate Limited Company
Company StatusActive
Country of OriginUnited Kingdom
Incorporation Date20/11/1996
Accounting Reference Date Day31
Accounting Reference Date Month3
Accounts Next Due Date31/12/2026
Accounts Last Made Up Date31/03/2025
Accounts Account CategoryTOTAL EXEMPTION FULL
Returns Next Due Date18/12/2016
Returns Last Made Up Date20/11/2015
Directors & Members
Show Resigned
Shona Robertson - Director
(British, 50 years old, born June 1976)
Appointed 01 December 2004
 Active
Secretaries
Show Resigned
Other Company Directorships
Shona Robertson
No companies found
Balance Sheet Unlock full report
Accounts Date 31-Mar-2025 30-Nov-2022 30-Nov-2021
Balance Sheet
Fixed Assets 1,182,292 1,182,292 1,198,281
Current Assets 90,441 90,441 74,639
Creditors Due Within One Year 38,161 38,161 37,159
Working Cap 52,280 52,280 37,480
Total Assets Less Current Liabilities 1,234,572 1,234,572 1,235,761
Long-term Liabilities 0 0 0
Net Assets 1,234,572 1,234,572 1,235,761
Share Capital & Reserves
Share Cap - - -
Profit & Loss Reserves - - -
Other Reserves - - -
Shareholders Funds 1,234,572 1,234,572 1,235,761
Common Size Financial Analysis Unlock full report
Accounts Date 31-Mar-2025 30-Nov-2022 30-Nov-2021
Tangible Fixed Assets - - -
Fixed Assets 92.9% 92.9% 94.1%
Stocks Inventory - - -
Debtors 7.1% 7.1% 5.9%
Cash Bank In Hand - - -
Current Assets 7.1% 7.1% 5.9%
Creditors Due Within One Year 3.0% 3.0% 2.9%
Net Current Assets Liabilities 4.1% 4.1% 2.9%
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 97.0% 97.0% 97.1%
Capital Employed - - -
Total Assets Less Current Liabilities 97.0% 97.0% 97.1%
Financial Ratio Analysis Unlock full report
Accounts Date 31-Mar-2025 30-Nov-2022 30-Nov-2021
Liquidity Ratio 2.4 2.4 2.0
Solvency Ratio 33.4 33.4 34.3
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 30-Nov-2022 30-Nov-2021
Assets 1,272,733 1,272,733 1,272,920
Debt 38,161 38,161 37,159
Net Assets/Debt 1,234,572 1,234,572 1,235,761

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
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Document Filings
Confirmation statement made on 20 November 2025 with no updates
Previous accounting period extended from 30 November 2024 to 31 March 2025
Confirmation statement made on 20 November 2024 with no updates
Confirmation statement made on 20 November 2023 with no updates
Confirmation statement made on 20 November 2022 with no updates
Confirmation statement made on 20 November 2021 with no updates
Termination of appointment of Fraser & Mulligan as a secretary on 23 February 2021
Confirmation statement made on 20 November 2020 with no updates
Confirmation statement made on 20 November 2019 with no updates
Confirmation statement made on 20 November 2018 with no updates
Confirmation statement made on 20 November 2017 with no updates
Confirmation statement made on 20 November 2016 with updates
Annual return made up to 20 November 2015 with full list of shareholders
Annual return made up to 20 November 2014 with full list of shareholders
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