Company Overview
Mortgages & Financial Services For All (Scotland) Ltd. is listed at the official companies registry as Active Private Limited Company. The company was incorporated on Wednesday 08 January 2003, so this is a well established company. Mortgages & Financial Services For All (Scotland) Ltd. has been in business for 23 years and 2 months. The accounts status is micro entity and the accounts are next due on Wednesday 30 September 2026.
Registered Address

73 High Street, Lochee, Dundee, Tayside, DD2 3AT
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Companies House Data
Company NameMORTGAGES & FINANCIAL SERVICES FOR ALL (SCOTLAND) LTD.
Company NumberSC241899
Registered Office Address73 High Street
 Lochee
 DD2 3AT
Company CategoryPrivate Limited Company
Company StatusActive
Country of OriginUnited Kingdom
Incorporation Date08/01/2003
Accounting Reference Date Day31
Accounting Reference Date Month12
Accounts Next Due Date30/09/2026
Accounts Last Made Up Date31/12/2024
Accounts Account CategoryMICRO ENTITY
Returns Next Due Date05/02/2017
Returns Last Made Up Date08/01/2016
Directors & Members
Show Resigned
Paul Dalzell - Director
(British, 67 years old, born October 1959)
Appointed 14 December 2022
 Active
Secretaries
Show Resigned
Other Company Directorships
Paul Dalzell
No companies found
Balance Sheet Unlock full report
Accounts Date 31-Dec-2024 31-Dec-2022 31-Dec-2021
Balance Sheet
Fixed Assets 792 792 1,056
Current Assets 178,714 178,714 187,351
Creditors Due Within One Year 39,320 39,320 27,986
Working Cap 139,394 139,394 159,365
Total Assets Less Current Liabilities 140,186 140,186 160,421
Long-term Liabilities 138,593 138,593 51,218
Net Assets 1,593 1,593 109,203
Share Capital & Reserves
Share Cap - - -
Profit & Loss Reserves - - -
Other Reserves - - -
Shareholders Funds 1,593 1,593 109,203
Common Size Financial Analysis Unlock full report
Accounts Date 31-Dec-2024 31-Dec-2022 31-Dec-2021
Tangible Fixed Assets - - -
Fixed Assets 0.4% 0.4% 0.6%
Stocks Inventory - - -
Debtors 80.9% 80.9% -
Cash Bank In Hand 18.6% 18.6% -
Current Assets 99.6% 99.6% 99.4%
Creditors Due Within One Year 21.9% 21.9% 14.9%
Net Current Assets Liabilities 77.7% 77.7% 84.6%
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 0.9% 0.9% 58.0%
Capital Employed - - -
Total Assets Less Current Liabilities 78.1% 78.1% 85.1%
Financial Ratio Analysis Unlock full report
Accounts Date 31-Dec-2024 31-Dec-2022 31-Dec-2021
Liquidity Ratio 4.5 4.5 6.7
Solvency Ratio 1.0 1.0 2.4
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-Dec-2022 31-Dec-2021
Assets 179,506 179,506 188,407
Debt 177,913 177,913 79,204
Net Assets/Debt 1,593 1,593 109,203

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 presents modest net assets. For the size of the company as inferred by the balance sheet the amount of net assets represents a slender 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 presents modest net assets. For the size of the company as inferred by the balance sheet the amount of net assets represents a slender 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 presents modest net assets. For the size of the company as inferred by the balance sheet the amount of net assets represents a slender 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
Other Business around DD2 3AT
No other companies found in the same location
Document Filings
Confirmation statement made on 4 January 2026 with no updates
Memorandum and Articles of Association
Resolutions
Confirmation statement made on 4 January 2025 with no updates
Confirmation statement made on 4 January 2024 with no updates
Confirmation statement made on 4 January 2023 with updates
Notification of Milecross Financial (Scotland) Ltd as a person with significant control on 14 December 2022
Cessation of Alan Cameron Davidson as a person with significant control on 14 December 2022
Cessation of Fiona Davidson as a person with significant control on 14 December 2022
Termination of appointment of Alan Cameron Davidson as a director on 14 December 2022
Termination of appointment of Fiona Davidson as a director on 14 December 2022
Termination of appointment of Fiona Davidson as a secretary on 14 December 2022
Appointment of Mr Paul Irvine Dalzell as a director on 14 December 2022
Previous accounting period shortened from 31 January 2023 to 31 December 2022
Confirmation statement made on 4 January 2022 with no updates
Confirmation statement made on 4 January 2021 with no updates
Confirmation statement made on 4 January 2020 with no updates
Change of details for Mrs Fiona Davidson as a person with significant control on 5 January 2019
Change of details for Mr Alan Cameron Davidson as a person with significant control on 5 January 2019
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