Company Overview
Advanta Direct Ltd is listed at the official companies registry as Active Private Limited Company. The company was incorporated on Tuesday 25 September 2001, so this is a well established company. Advanta Direct Ltd has been in business for 24 years and 6 months. The accounts status is audit exemption subsidiary and the accounts are next due on Wednesday 31 December 2025.
Registered Address

121 West Regent Street, Glasgow, G2 2SD
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Companies House Data
Company NameADVANTA DIRECT LTD
Company NumberSC223664
Registered Office Address121 West Regent Street
 G2 2SD
Company CategoryPrivate Limited Company
Company StatusActive
Country of OriginUnited Kingdom
Incorporation Date25/09/2001
Accounting Reference Date Day31
Accounting Reference Date Month3
Accounts Next Due Date31/12/2026
Accounts Last Made Up Date31/03/2025
Accounts Account CategoryAUDIT EXEMPTION SUBSIDIARY
Returns Next Due Date23/10/2016
Returns Last Made Up Date25/09/2015
Previous Company NameChanged Date
M & I INDEPENDENT FINANCIAL SERVICES LIMITED28 Feb 2024
Directors & Members
Show Resigned
Kevin D'arcy - Director
(British, 39 years old, born February 1987)
Appointed 28 February 2025
 Active
Mark Pearson - Director
(British, 60 years old, born December 1966)
Appointed 10 January 2022
 Active
Greg Seath - Director
(British, 56 years old, born April 1970)
Appointed 21 December 2023
 Active
Secretaries
Show Resigned
Other Company Directorships
Kevin D'arcy
ADVANTA RISK LTD
ADVANTA WEALTH LTD
GENESIS FINANCIAL PLANNING LTD
PENNEY, RUDDY & WINTER LTD
Mark Pearson
ADVANTA RISK LTD
ADVANTA SOLUTIONS LTD.
ADVANTA WEALTH LTD
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AURORA FINANCIAL TECHNOLOGIES LIMITED
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Greg Seath
No companies found
Balance Sheet Unlock full report
Accounts Date 31-Mar-2025 31-Dec-2021 31-Dec-2020
Balance Sheet
Fixed Assets 2,577 2,577 1,046
Current Assets 62,663 62,663 53,113
Creditors Due Within One Year 14,770 14,770 24,534
Working Cap 47,893 47,893 28,579
Total Assets Less Current Liabilities 50,470 50,470 29,625
Long-term Liabilities 490 490 199
Net Assets 49,980 49,980 29,426
Share Capital & Reserves
Share Cap - - -
Profit & Loss Reserves - - -
Other Reserves - - -
Shareholders Funds 49,980 49,980 29,426
Common Size Financial Analysis Unlock full report
Accounts Date 31-Mar-2025 31-Dec-2021 31-Dec-2020
Tangible Fixed Assets - - -
Fixed Assets 4.0% 4.0% 1.9%
Stocks Inventory - - -
Debtors 24.0% 24.0% 0.0%
Cash Bank In Hand 72.1% 72.1% 98.0%
Current Assets 96.0% 96.0% 98.1%
Creditors Due Within One Year 22.6% 22.6% 45.3%
Net Current Assets Liabilities 73.4% 73.4% 52.8%
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 76.6% 76.6% 54.3%
Capital Employed - - -
Total Assets Less Current Liabilities 77.4% 77.4% 54.7%
Financial Ratio Analysis Unlock full report
Accounts Date 31-Mar-2025 31-Dec-2021 31-Dec-2020
Liquidity Ratio 4.2 4.2 2.2
Solvency Ratio 4.3 4.3 2.2
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-2025 31-Dec-2021 31-Dec-2020
Assets 65,240 65,240 54,159
Debt 15,260 15,260 24,733
Net Assets/Debt 49,980 49,980 29,426

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.

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 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.

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 G2 2SD
ALPHA MARKETING SCOTLAND LIMITED
SUITE A 6TH FLOOR, 133 FINNIESTON STREET, GLASGOW, G2 2SD
ONE INTEGRATED SOLUTION LIMITED
227 West George Street, Glasgow, G2 2SD
ADVANTA FOUNDATION
121 West Regent Street, Glasgow, G2 2SD
ADVANTA WEALTH LTD
121 WEST REGENT STREET, GLASGOW, G2 2SD
ADVANTA FINANCIAL SOLUTIONS LTD
121 West Regent Street, Glasgow, G2 2SD
ADVANTA FINANCIAL LTD
121 West Regent Street, Glasgow, G2 2SD
ADVANTA TAX AND ACCOUNTING LTD
121 West Regent Street, Glasgow, G2 2SD
ADVANTA RISK LTD
121 WEST REGENT STREET, GLASGOW, G2 2SD
ONE FINANCIAL PLANNING LTD.
1 WEST REGENT STREET, GLASGOW, G2 2SD
ONE MORTGAGES (LONDON) LIMITED
121 West Regent Street, Glasgow, G2 2SD
Document Filings
Consolidated accounts of parent company for subsidiary company period ending 31/03/25
Audit exemption statement of guarantee by parent company for period ending 31/03/25
Notice of agreement to exemption from audit of accounts for period ending 31/03/25
Confirmation statement made on 12 September 2025 with updates
Appointment of Mr Kevin James D'arcy as a director on 28 February 2025
Consolidated accounts of parent company for subsidiary company period ending 31/03/24
Notice of agreement to exemption from audit of accounts for period ending 31/03/24
Audit exemption statement of guarantee by parent company for period ending 31/03/24
Appointment of Mr Greg Seath as a director on 21 December 2023
Confirmation statement made on 12 September 2024 with no updates
Certificate of change of name
Appointment of Mr Mark Robert Pearson as a director on 10 January 2022
Termination of appointment of Christopher Feeney as a director on 10 January 2024
Consolidated accounts of parent company for subsidiary company period ending 31/03/23
Notice of agreement to exemption from audit of accounts for period ending 31/03/23
Audit exemption statement of guarantee by parent company for period ending 31/03/23
Confirmation statement made on 12 September 2023 with no updates
Confirmation statement made on 12 September 2022 with updates
Current accounting period extended from 31 December 2022 to 31 March 2023
Appointment of Mr Christopher Feeney as a director on 30 June 2022
Registered office address changed from Moorcroft, 27 Lochhead Avenue Lochwinnoch Renfrewshire PA12 4AW to 121 West Regent Street Glasgow G2 2SD on 5 July 2022
Notification of Advanta Solutions Ltd. as a person with significant control on 30 June 2022
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