ELGIN CITY FOOTBALL CLUB LIMITED Credit Check Report

Company Overview

Elgin City Football Club Limited is listed at the official companies registry as Active Private Limited Company. The company was incorporated on Monday 15 May 2000, so this is a well established company. Elgin City Football Club Limited has been in business for 25 years and 11 months. The accounts status is small and the accounts are next due on Sunday 28 February 2027.

Registered Address

Borough Briggs, Borough Briggs Road, Elgin, Morayshire, IV30 1AP

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Companies House Data

Company Name	ELGIN CITY FOOTBALL CLUB LIMITED
Company Number	SC207126
Registered Office Address	Borough Briggs
	Borough Briggs Road
	IV30 1AP
Company Category	Private Limited Company
Company Status	Active
Country of Origin	United Kingdom
Incorporation Date	15/05/2000
Accounting Reference Date Day	31
Accounting Reference Date Month	5
Accounts Next Due Date	28/02/2027
Accounts Last Made Up Date	31/05/2025
Accounts Account Category	SMALL
Returns Next Due Date	12/06/2017
Returns Last Made Up Date	15/05/2016

Directors & Members

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	William Arif - Director (United Kingdom, 89 years old, born February 1937) Appointed 16 April 2001, Resigned 05 March 2005	Resigned
	Isla Benzie - Director (Scottish, 50 years old, born January 1976) Appointed 05 December 2016	Active
	Howard Charlesworth - Director (British, 64 years old, born December 1962) Appointed 11 June 2007, Resigned 07 January 2008	Resigned
	Ian Clark - Director (British, 67 years old, born May 1959) Appointed 11 February 2008, Resigned 27 December 2017	Resigned
	James Farquhar - Director (British, 77 years old, born December 1949) Appointed 07 May 2002, Resigned 25 October 2005	Resigned
	Gordon Fimister - Director (British, 66 years old, born May 1960) Appointed 11 February 2008, Resigned 30 April 2015	Resigned
	Christoper Foot - Director (Scottish, 59 years old, born September 1967) Appointed 07 April 2023	Active
	Norman Green - Director (British, 75 years old, born April 1951) Appointed 11 June 2002, Resigned 22 March 2006	Resigned
	Norman Green - Director (British, 75 years old, born April 1951) Appointed 01 June 2000, Resigned 30 August 2001	Resigned
	Stephen Hopes - Director (British, 30 years old, born July 1996) Appointed 18 December 2023	Active
	Martyn Hunter - Director (British, 80 years old, born November 1946) Appointed 02 December 2005, Resigned 31 October 2015	Resigned
	Martyn Hunter - Director (British, 80 years old, born November 1946) Appointed 15 May 2000, Resigned 27 March 2002	Resigned
	Norman Innes - Director (British, 79 years old, born October 1947) Appointed 30 November 2005, Resigned 24 March 2011	Resigned
	Cecil Jack - Director (British, 83 years old, born February 1943) Appointed 11 June 2007	Active
	Roy Laing - Director (British, 66 years old, born August 1960) Appointed 02 June 2003, Resigned 08 October 2005	Resigned
	Alan McGregor - Director (British, 69 years old, born October 1957) Appointed 01 June 2000, Resigned 30 August 2001	Resigned
	Ronald McHardy - Director (British, 81 years old, born December 1945) Appointed 01 June 2000, Resigned 23 October 2005	Resigned
	Andrew McKenzie - Director (British, 66 years old, born January 1960) Appointed 24 April 2006, Resigned 05 May 2017	Resigned
	John Meichan - Director (British, 75 years old, born July 1951) Appointed 15 May 2000, Resigned 22 March 2006	Resigned
	Ewen Menzies - Director (British, 69 years old, born April 1957) Appointed 01 June 2000, Resigned 30 July 2002	Resigned
	Denis Miller - Director (British, 96 years old, born January 1930) Appointed 01 June 2000, Resigned 25 October 2005	Resigned
	Steven Milne - Director (British, 61 years old, born December 1965) Appointed 17 May 2006, Resigned 30 September 2009	Resigned
	John Milton - Director (British, 75 years old, born October 1951) Appointed 01 June 2000, Resigned 25 October 2005	Resigned
	Alan Murray - Director (British, 54 years old, born October 1972) Appointed 18 March 2024	Active
	Graham Mutch - Director (British, 70 years old, born July 1956) Appointed 30 January 2006, Resigned 22 July 2022	Resigned
	Sean Phillips - Director (British, 58 years old, born July 1968) Appointed 18 December 2023, Resigned 01 May 2024	Resigned
	Stephen Scott - Director (British, 62 years old, born October 1964) Appointed 01 July 2020, Resigned 27 June 2023	Resigned
	Derek Shewan - Director (British, 67 years old, born May 1959) Appointed 28 December 2005, Resigned 07 January 2008	Resigned
	Grant Shewan - Director (British, 37 years old, born March 1989) Appointed 04 June 2018, Resigned 09 May 2024	Resigned

Secretaries

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	Ian Allan - Secretary (British) Appointed 07 November 2005, Resigned 26 June 2012	Resigned
	Keiran Carty - Secretary Appointed 01 June 2018, Resigned 29 April 2023	Resigned
	Mark Cooper - Secretary Appointed 15 September 2023, Resigned 01 May 2024	Resigned
	John Meichan - Secretary (British) Appointed 15 May 2000, Resigned 01 June 2000	Resigned
	John Milton - Secretary (British) Appointed 01 June 2000, Resigned 25 October 2005	Resigned
	Frank Reid - Secretary Appointed 01 July 2024	Active

Other Company Directorships

Isla Benzie
No companies found

Christoper Foot
No companies found

Stephen Hopes
ABRIACHAN CONSULTANCY LIMITED
ABRIACHAN HOLDINGS LIMITED
ABRIACHAN HOTELS LIMITED
BLUE COLLAR COMPETITIONS LIMITED
CA NORTH LIMITED
CLUBHOUSE NAIRN LIMITED
K&S CLEANING SERVICES LIMITED
NAIRN BID LIMITED
S&D DRONES LIMITED
THE UNORTHODOX PROJECT LIMITED

Cecil Jack
No companies found

Alan Murray
No companies found

Balance Sheet

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Accounts Date	31-May-2025	31-May-2022	31-May-2021
Balance Sheet
Fixed Assets	195,121	195,121	186,119
Current Assets	259,543	259,543	300,280
Creditors Due Within One Year	60,085	60,085	67,413
Working Cap	199,458	199,458	232,867
Total Assets Less Current Liabilities	394,579	394,579	418,986
Long-term Liabilities	34,833	34,833	50,785
Net Assets	359,746	359,746	368,201
Share Capital & Reserves
Share Cap	-	-	-
Profit & Loss Reserves	-	-	-
Other Reserves	-	-	-
Shareholders Funds	359,746	359,746	368,201

Common Size Financial Analysis

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Accounts Date	31-May-2025	31-May-2022	31-May-2021
Tangible Fixed Assets	-	-	-
Fixed Assets	42.9%	42.9%	38.3%
Stocks Inventory	-	-	-
Debtors	9.9%	9.9%	6.2%
Cash Bank In Hand	43.9%	43.9%	55.4%
Current Assets	57.1%	57.1%	61.7%
Creditors Due Within One Year	13.2%	13.2%	13.9%
Net Current Assets Liabilities	43.9%	43.9%	47.9%
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	79.1%	79.1%	75.7%
Capital Employed	-	-	-
Total Assets Less Current Liabilities	86.8%	86.8%	86.1%

Financial Ratio Analysis

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Accounts Date	31-May-2025	31-May-2022	31-May-2021
Liquidity Ratio	4.3	4.3	4.5
Solvency Ratio	4.8	4.8	4.1
Reserves to Assets	-	-	-

Secured Creditors

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Mortgages Charges	4
Mortgages Outstanding	0
Mortgages Part Satisfied	0
Mortgages Satisfied	4

Assets and Debt Analysis

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Accounts Date	31-May-2025	31-May-2022	31-May-2021
Assets	454,664	454,664	486,399
Debt	94,918	94,918	118,198
Net Assets/Debt	359,746	359,746	368,201

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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

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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

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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

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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

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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

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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)

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

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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

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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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