Company Overview
Policy Services Limited is listed at the official companies registry as Active Private Limited Company. The company was incorporated on Wednesday 10 April 2002, so this is a well established company. Policy Services Limited has been in business for 24 years. The accounts status is full and the accounts are next due on Wednesday 30 September 2026.
Registered Address

Oracle Campus, Blackness Road, Linlithgow, West Lothian, EH49 7BF
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Companies House Data
Company NamePOLICY SERVICES LIMITED
Company NumberSC230167
Registered Office AddressOracle Campus
 Blackness Road
 EH49 7BF
Company CategoryPrivate Limited Company
Company StatusActive
Country of OriginUnited Kingdom
Incorporation Date10/04/2002
Accounting Reference Date Day31
Accounting Reference Date Month12
Accounts Next Due Date30/09/2026
Accounts Last Made Up Date31/12/2024
Accounts Account CategoryFULL
Returns Next Due Date08/05/2017
Returns Last Made Up Date10/04/2016
Directors & Members
Show Resigned
Kevin Dorrian - Director
(British, 39 years old, born May 1987)
Appointed 01 July 2014
 Active
Louise Gibson - Director
(British, 38 years old, born March 1988)
Appointed 27 April 2023
 Active
Jonathan Hill - Director
(British, 53 years old, born March 1973)
Appointed 29 June 2020
 Active
John Laidlaw - Director
(British, 60 years old, born June 1966)
Appointed 09 June 2025
 Active
Mitesh Patel - Director
(British, 52 years old, born October 1974)
Appointed 15 November 2023
 Active
St. James's Place Corporate Secretary Limited - Secretary
Appointed 30 April 2020
 Active
Secretaries
Show Resigned
St. James's Place Corporate Secretary Limited - Secretary
Appointed 30 April 2020
 Active
Other Company Directorships
Kevin Dorrian
ARCHER JOY LTD
SJP LEGACY HOLDINGS LTD
VIRTUE MONEY LIMITED
Louise Gibson
No companies found
Jonathan Hill
No companies found
John Laidlaw
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SCOTTISH EQUITABLE (MANAGED FUNDS) LIMITED
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THE LV= PENSION TRUSTEE LIMITED
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THE OCKHAM PENSION TRUSTEE LIMITED
Mitesh Patel
No companies found
Balance Sheet Unlock full report
Accounts Date 31-Dec-2024 31-Mar-2019 31-Mar-2018
Balance Sheet
Fixed Assets 69,729 69,729 82,712
Current Assets 4,118,564 4,118,564 3,874,705
Creditors Due Within One Year 2,382,903 2,382,903 2,495,233
Working Cap 1,735,661 1,735,661 1,379,472
Total Assets Less Current Liabilities 1,805,390 1,805,390 1,462,184
Long-term Liabilities 10,491 10,491 11,307
Net Assets 1,794,899 1,794,899 1,450,877
Share Capital & Reserves
Share Cap - - -
Profit & Loss Reserves - - -
Other Reserves - - -
Shareholders Funds 1,794,899 1,794,899 1,450,877
Common Size Financial Analysis Unlock full report
Accounts Date 31-Dec-2024 31-Mar-2019 31-Mar-2018
Tangible Fixed Assets - - -
Fixed Assets 1.7% 1.7% 2.1%
Stocks Inventory - - -
Debtors 20.0% 20.0% 22.5%
Cash Bank In Hand 77.9% 77.9% 75.3%
Current Assets 98.3% 98.3% 97.9%
Creditors Due Within One Year 56.9% 56.9% 63.1%
Net Current Assets Liabilities 41.4% 41.4% 34.9%
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 42.9% 42.9% 36.7%
Capital Employed - - -
Total Assets Less Current Liabilities 43.1% 43.1% 36.9%
Financial Ratio Analysis Unlock full report
Accounts Date 31-Dec-2024 31-Mar-2019 31-Mar-2018
Liquidity Ratio 1.7 1.7 1.6
Solvency Ratio 1.8 1.8 1.6
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-Dec-2024 31-Mar-2019 31-Mar-2018
Assets 4,188,293 4,188,293 3,957,417
Debt 2,393,394 2,393,394 2,506,540
Net Assets/Debt 1,794,899 1,794,899 1,450,877

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. 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. 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. 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 EH49 7BF
No other companies found in the same location
Document Filings
Confirmation statement made on 13 June 2025 with updates
Termination of appointment of Peter Graham Edwards as a director on 10 June 2025
Appointment of Mr John Mark Laidlaw as a director on 9 June 2025
Notification of St. James's Place Wealth Management Plc as a person with significant control on 15 May 2025
Cessation of St. James's Place Wealth Management Group Limited as a person with significant control on 15 May 2025
Notification of St. James's Place Wealth Management Group Limited as a person with significant control on 15 May 2025
Cessation of Sjp Legacy Holdings Ltd as a person with significant control on 15 May 2025
Notification of Sjp Legacy Holdings Ltd as a person with significant control on 8 May 2025
Cessation of Virtue Money Limited as a person with significant control on 8 May 2025
Termination of appointment of Peter Martin Craddock as a director on 9 October 2024
Confirmation statement made on 13 June 2024 with updates
Director's details changed for Peter Graham Edwards on 13 December 2023
Appointment of Mr Mitesh Patel as a director on 15 November 2023
Termination of appointment of Mitesh Patel as a director on 20 July 2023
Confirmation statement made on 19 June 2023 with no updates
Appointment of Mr Mitesh Patel as a director on 27 April 2023
Appointment of Mrs Louise Anne Gibson as a director on 27 April 2023
Termination of appointment of Kayleigh Elizabeth Dorrian as a director on 25 April 2023
Confirmation statement made on 14 December 2022 with no updates
Termination of appointment of Brian Christopher Galvin as a director on 31 December 2021
Confirmation statement made on 10 December 2021 with no updates
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