Company Overview
MacFarlane Gray Financial Services Limited is listed at the official companies registry as Active Private Limited Company. The company was incorporated on Friday 02 July 1999, so this is a well established company. MacFarlane Gray Financial Services Limited has been in business for 26 years and 9 months. The accounts status is total exemption full and the accounts are next due on Thursday 30 April 2026.
Registered Address

12 Melville Terrace, Stirling, FK8 2NE
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Companies House Data
Company NameMACFARLANE GRAY FINANCIAL SERVICES LIMITED
Company NumberSC197774
Registered Office Address12 Melville Terrace
 FK8 2NE
Company CategoryPrivate Limited Company
Company StatusActive
Country of OriginUnited Kingdom
Incorporation Date02/07/1999
Accounting Reference Date Day31
Accounting Reference Date Month7
Accounts Next Due Date30/04/2026
Accounts Last Made Up Date31/07/2024
Accounts Account CategoryTOTAL EXEMPTION FULL
Returns Next Due Date13/07/2017
Returns Last Made Up Date15/06/2016
Directors & Members
Show Resigned
Eric Catterson - Director
(British, 65 years old, born July 1961)
Appointed 02 July 1999
 Active
Secretaries
Show Resigned
Other Company Directorships
Eric Catterson
CATTERSON FS LTD
CATTERSON WEALTH MANAGEMENT LIMITED
FINANCIAL PLANNING SYSTEMS LTD.
LARREB LIMITED
MACFARLANE GRAY WEALTH MANAGEMENT LIMITED
MCCALL, AITKEN, MCKENZIE & CO LIMITED
THE CHUTT LIMITED
Balance Sheet Unlock full report
Accounts Date 31-Jul-2024 31-Jul-2023 31-Jul-2022
Balance Sheet
Fixed Assets 0 0 45,810
Current Assets 53,211 53,211 133,051
Creditors Due Within One Year 750 750 95,436
Working Cap 52,461 52,461 37,615
Total Assets Less Current Liabilities 52,461 52,461 83,425
Long-term Liabilities 52,445 52,445 83,409
Net Assets 16 16 16
Share Capital & Reserves
Share Cap - - -
Profit & Loss Reserves - - -
Other Reserves - - -
Shareholders Funds 16 16 16
Common Size Financial Analysis Unlock full report
Accounts Date 31-Jul-2024 31-Jul-2023 31-Jul-2022
Tangible Fixed Assets - - -
Fixed Assets 0.0% 0.0% 25.6%
Stocks Inventory - - -
Debtors 60.5% 60.5% 4.5%
Cash Bank In Hand 39.5% 39.5% 69.9%
Current Assets 100.0% 100.0% 74.4%
Creditors Due Within One Year 1.4% 1.4% 53.4%
Net Current Assets Liabilities 98.6% 98.6% 21.0%
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 0.0% 0.0% 0.0%
Capital Employed - - -
Total Assets Less Current Liabilities 98.6% 98.6% 46.6%
Financial Ratio Analysis Unlock full report
Accounts Date 31-Jul-2024 31-Jul-2023 31-Jul-2022
Liquidity Ratio 70.9 70.9 1.4
Solvency Ratio 1.0 1.0 1.0
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-Jul-2024 31-Jul-2023 31-Jul-2022
Assets 53,211 53,211 178,861
Debt 53,195 53,195 178,845
Net Assets/Debt 16 16 16

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. The balance sheet displays a very modest amount of net assets. For the size of the company as inferred by the balance sheet the amount of net assets represents a relatively small 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.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. The balance sheet displays a very modest amount of net assets. For the size of the company as inferred by the balance sheet the amount of net assets represents a relatively small 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.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. The balance sheet displays a very modest amount of net assets. For the size of the company as inferred by the balance sheet the amount of net assets represents a relatively small 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
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CUTMASTERS (GARDENING SERVICES) LIMITED
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ZINGERMANS SPORTS CAFE LTD.
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Document Filings
Termination of appointment of Alan John Skilling as a director on 25 August 2025
Termination of appointment of Gregory Callan as a director on 8 August 2025
Termination of appointment of Ellen Waters as a director on 8 August 2025
Confirmation statement made on 12 June 2025 with no updates
Notification of Larreb Limited as a person with significant control on 30 May 2024
Cessation of Macfarlane Gray Wealth Management Ltd as a person with significant control on 30 May 2024
Confirmation statement made on 12 June 2024 with updates
Confirmation statement made on 15 June 2023 with no updates
Confirmation statement made on 15 June 2022 with no updates
Confirmation statement made on 15 June 2021 with no updates
Confirmation statement made on 15 June 2020 with no updates
Registered office address changed from Macfarlane Gray House Castlecraig Business Park Springbank Road Stirling Stirlingshire FK7 7WT to 12 Melville Terrace Stirling FK8 2NE on 17 December 2019
Confirmation statement made on 15 June 2019 with updates
Second filing of Confirmation Statement dated 15/06/2018
Second filing of Confirmation Statement dated 15/06/2017
Confirmation statement made on 15 June 2018 with no updates
15/06/17 Statement of Capital gbp 16.00
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