Company Overview
London & Scottish Investment Finance Limited is listed at the official companies registry as Active Private Limited Company. The company was incorporated on Tuesday 28 March 2006, so this is a well established company. London & Scottish Investment Finance Limited has been in business for 20 years. The accounts status is total exemption full and the accounts are next due on Wednesday 31 December 2025.
Registered Address

One Lochrin Square C/O London And Scottish Investments Ltd, 92 Fountainbridge, Edinburgh, EH3 9QA
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Companies House Data
Company NameLONDON & SCOTTISH INVESTMENT FINANCE LIMITED
Company NumberSC299786
Registered Office AddressOne Lochrin Square C/O London And Scottish Investments Ltd
 92 Fountainbridge
 EH3 9QA
Company CategoryPrivate Limited Company
Company StatusActive
Country of OriginUnited Kingdom
Incorporation Date28/03/2006
Accounting Reference Date Day31
Accounting Reference Date Month3
Accounts Next Due Date31/12/2026
Accounts Last Made Up Date31/03/2025
Accounts Account CategoryTOTAL EXEMPTION FULL
Returns Next Due Date25/04/2017
Returns Last Made Up Date28/03/2016
Previous Company NameChanged Date
CREDENTIAL LOTHIAN LIMITED02 Feb 2015
UBERIOR VENTURES CREDENTIAL LIMITED27 Aug 2010
Directors & Members
Show Resigned
Ronald Clapham - Director
(British, 75 years old, born September 1951)
Appointed 30 September 2010
 Active
Secretaries
Show Resigned
Other Company Directorships
Ronald Clapham
AXIS (LOWTHER) LIMITED
CD LETTINGS LIMITED
CHARTFIELD ONE LIMITED
CLYDE SHOPPING CENTRE LIMITED
CREDENTIAL (BAILLIESTON) LIMITED
CREDENTIAL (DOWANHILL) LIMITED
CREDENTIAL (MILTON KEYNES)
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CREDENTIAL (ROCHDALE)
CREDENTIAL (WARDPARK NORTH) LIMITED
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CREDENTIAL ACURA LIMITED
CREDENTIAL ASSET MANAGEMENT LIMITED
CREDENTIAL MANAGEMENT INVESTMENTS LIMITED
CREDENTIAL PRODUCE LLP
CREDENTIAL TRADING LIMITED
DICKSON TENANCIES LIMITED
EYESCREEN INVESTOR LLP
EYESCREEN LIMITED
L&S KILMACOLM LTD
LONDON & SCOTTISH INVESTMENTS LIMITED
LONDON & SCOTTISH RESIDENTIAL LIMITED
LS ASSET MANAGEMENT LIMITED
LSI REIT AM LIMITED
OLD MILL STUDIOS LIMITED
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VIEW CASTLE LIMITED
Balance Sheet Unlock full report
Accounts Date 31-Mar-2025 31-Mar-2017 31-Mar-2016
Balance Sheet
Fixed Assets 0 0 0
Current Assets 902,556 902,556 12,028,143
Creditors Due Within One Year 881,832 881,832 12,007,077
Working Cap 20,724 20,724 21,066
Total Assets Less Current Liabilities 20,724 20,724 21,066
Long-term Liabilities 0 0 0
Net Assets 20,724 20,724 21,066
Share Capital & Reserves
Share Cap 1,000 1,000 1,000
Profit & Loss Reserves 19,724 19,724 20,066
Other Reserves 0 0 0
Shareholders Funds 20,724 20,724 21,066
Common Size Financial Analysis Unlock full report
Accounts Date 31-Mar-2025 31-Mar-2017 31-Mar-2016
Tangible Fixed Assets - - -
Fixed Assets 0.0% 0.0% 0.0%
Stocks Inventory 0.0% 0.0% 0.0%
Debtors 0.0% 0.0% 0.0%
Cash Bank In Hand 100.0% 100.0% 100.0%
Current Assets 100.0% 100.0% 100.0%
Creditors Due Within One Year 97.7% 97.7% 99.8%
Net Current Assets Liabilities 2.3% 2.3% 0.2%
Creditors Due After One Year 0.0% 0.0% 0.0%
Accruals Deferred Income - - -
Provisions For Liabilities Charges - - -
Net Assets Liabilities Including Pension Asset Liability 2.3% 2.3% 0.2%
Called Up Share Capital 0.1% 0.1% 0.0%
Share Capital Allotted Called Up Paid 0.1% 0.1% 0.0%
Profit Loss Account Reserve 2.2% 2.2% 0.2%
Shareholder Funds 2.3% 2.3% 0.2%
Capital Employed - - -
Total Assets Less Current Liabilities 2.3% 2.3% 0.2%
Financial Ratio Analysis Unlock full report
Accounts Date 31-Mar-2025 31-Mar-2017 31-Mar-2016
Liquidity Ratio 1.0 1.0 1.0
Solvency Ratio 1.0 1.0 1.0
Reserves to Assets 0.0 0.0 0.0
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-Mar-2017 31-Mar-2016
Assets 902,556 902,556 12,028,143
Debt 881,832 881,832 12,007,077
Net Assets/Debt 20,724 20,724 21,066

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 current section of the balance sheet has positive working capital. We would normally consider 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 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 current section of the balance sheet has positive working capital. We would normally consider 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 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 current section of the balance sheet has positive working capital. We would normally consider 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 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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Document Filings
Termination of appointment of Peter Mcgurn as a director on 20 February 2026
Confirmation statement made on 22 March 2025 with no updates
Registered office address changed from One Lochrin Square 92 Fountainbridge Edinburgh Edinburgh, City of EH3 9QA United Kingdom to One Lochrin Square C/O London and Scottish Investments Ltd 92 Fountainbridge Edinburgh EH3 9QA on 13 March 2025
Registered office address changed from 300 Bath Street 1st Floor West Glasgow G2 4JR Scotland to One Lochrin Square 92 Fountainbridge Edinburgh Edinburgh, City of EH3 9QA on 23 August 2024
Confirmation statement made on 22 March 2024 with no updates
Confirmation statement made on 22 March 2023 with updates
Change of details for Mr Ronald Barrie Clapham as a person with significant control on 6 March 2023
Director's details changed for Mr Ronald Barrie Clapham on 6 March 2023
Confirmation statement made on 22 March 2022 with no updates
Termination of appointment of Iain Liddell Duncan as a director on 4 December 2021
Registered office address changed from Venlaw 349 Bath Street Glasgow G2 4AA Scotland to 300 Bath Street 1st Floor West Glasgow G2 4JR on 22 November 2021
Confirmation statement made on 28 March 2021 with no updates
Confirmation statement made on 28 March 2020 with no updates
Termination of appointment of Douglas Alexander Cumine as a director on 1 December 2019
Confirmation statement made on 28 March 2019 with no updates
Confirmation statement made on 28 March 2018 with no updates
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