Company Overview
McHardy Private Wealth Limited is listed at the official companies registry as Active Private Limited Company. The company was incorporated on Wednesday 23 May 2007, so this is a well established company. McHardy Private Wealth Limited has been in business for 18 years and 10 months. The accounts status is total exemption full and the accounts are next due on Tuesday 30 June 2026.
Registered Address

13 Bon Accord Crescent, Aberdeen, AB11 6DE
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Companies House Data
Company NameMCHARDY PRIVATE WEALTH LIMITED
Company NumberSC324229
Registered Office Address13 Bon Accord Crescent
 AB11 6DE
Company CategoryPrivate Limited Company
Company StatusActive
Country of OriginUnited Kingdom
Incorporation Date23/05/2007
Accounting Reference Date Day30
Accounting Reference Date Month9
Accounts Next Due Date30/06/2026
Accounts Last Made Up Date30/09/2024
Accounts Account CategoryTOTAL EXEMPTION FULL
Returns Next Due Date20/06/2017
Returns Last Made Up Date23/05/2016
Previous Company NameChanged Date
WISHART WEALTH MANAGEMENT LIMITED05 Sep 2022
Directors & Members
Show Resigned
Jonathan Craig - Director
(British, 46 years old, born September 1980)
Appointed 28 February 2025
 Active
Richard Fletcher - Director
(British, 48 years old, born October 1978)
Appointed 04 September 2018
 Active
Alan Hardie - Director
(British, 61 years old, born April 1965)
Appointed 19 March 2025
 Active
Stuart Johnson - Director
(British, 43 years old, born March 1983)
Appointed 12 May 2025
 Active
Andrew Kerr - Director
(British, 53 years old, born January 1973)
Appointed 04 September 2018
 Active
Joseph O'brien - Director
(British, 43 years old, born September 1983)
Appointed 20 January 2025
 Active
Mark Thornton-Smith - Director
(British, 47 years old, born October 1979)
Appointed 09 March 2023
 Active
Secretaries
Show Resigned
Other Company Directorships
Jonathan Craig
MCHB WEALTH MANAGEMENT LIMITED
Richard Fletcher
INSPIRED WEALTH PLANNING LIMITED
MARSHCO LIMITED
MCHARDY GROUP HOLDINGS LIMITED
MCHB PERTH LTD
SCOPRO LTD.
Alan Hardie
MCHB WEALTH MANAGEMENT LIMITED
Stuart Johnson
No companies found
Andrew Kerr
BORLAND INSURANCE LTD
BORLAND PRIVATE CLIENTS LTD
INSPIRED WEALTH PLANNING LIMITED
MARSHCO LIMITED
MCHARDY GROUP HOLDINGS LIMITED
MCHARDY GROUP LIMITED
MCHB PERTH LTD
MCHB WEALTH MANAGEMENT LIMITED
MHBL (HOLDINGS) LIMITED
MMC WEALTH LTD
PEEBLES FINANCIAL LIMITED
SCOPRO LTD.
TOM MUNRO FINANCIAL SOLUTIONS LIMITED
Joseph O'brien
No companies found
Mark Thornton-Smith
No companies found
Balance Sheet Unlock full report
Accounts Date 30-Sep-2024 30-Sep-2022 30-Sep-2021
Balance Sheet
Fixed Assets 0 0 244
Current Assets 410,566 410,566 449,331
Creditors Due Within One Year 195,321 195,321 251,958
Working Cap 215,245 215,245 197,373
Total Assets Less Current Liabilities 215,245 215,245 197,617
Long-term Liabilities 53,530 53,530 36,667
Net Assets 161,715 161,715 160,950
Share Capital & Reserves
Share Cap - - -
Profit & Loss Reserves - - -
Other Reserves - - -
Shareholders Funds 161,715 161,715 160,950
Common Size Financial Analysis Unlock full report
Accounts Date 30-Sep-2024 30-Sep-2022 30-Sep-2021
Tangible Fixed Assets - - -
Fixed Assets 0.0% 0.0% 0.1%
Stocks Inventory - - -
Debtors 100.0% 100.0% 99.9%
Cash Bank In Hand 0.0% 0.0% 0.0%
Current Assets 100.0% 100.0% 99.9%
Creditors Due Within One Year 47.6% 47.6% 56.0%
Net Current Assets Liabilities 52.4% 52.4% 43.9%
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 39.4% 39.4% 35.8%
Capital Employed - - -
Total Assets Less Current Liabilities 52.4% 52.4% 44.0%
Financial Ratio Analysis Unlock full report
Accounts Date 30-Sep-2024 30-Sep-2022 30-Sep-2021
Liquidity Ratio 2.1 2.1 1.8
Solvency Ratio 1.7 1.7 1.6
Reserves to Assets - - -
Secured Creditors Unlock full report
Mortgages Charges 1
Mortgages Outstanding 1
Mortgages Part Satisfied 0
Mortgages Satisfied 0
Assets and Debt Analysis Unlock full report
Accounts Date 30-Sep-2024 30-Sep-2022 30-Sep-2021
Assets 410,566 410,566 449,575
Debt 248,851 248,851 288,625
Net Assets/Debt 161,715 161,715 160,950

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
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Document Filings
Current accounting period extended from 30 September 2025 to 31 December 2025
Confirmation statement made on 23 May 2025 with no updates
Appointment of Mr Stuart Johnson as a director on 12 May 2025
Appointment of Mr Alan Murdo Hardie as a director on 19 March 2025
Appointment of Mr Jonathan Lindsay Mclaren Craig as a director on 28 February 2025
Appointment of Mr Joseph O'brien as a director on 20 January 2025
Confirmation statement made on 23 May 2024 with no updates
Registered office address changed from 41 Charlotte Square Edinburgh EH2 4HQ Scotland to 13 Bon Accord Crescent Aberdeen AB11 6DE on 15 May 2024
Registered office address changed from 13 Bon Accord Crescent Aberdeen AB11 6DE Scotland to 41 Charlotte Square Edinburgh EH2 4HQ on 23 February 2024
Confirmation statement made on 23 May 2023 with no updates
Appointment of Mr Mark James Thornton-Smith as a director on 9 March 2023
Registered office address changed from 41 Charlotte Square Edinburgh EH2 4HQ Scotland to 13 Bon Accord Crescent Aberdeen AB11 6DE on 25 October 2022
Certificate of change of name
Confirmation statement made on 23 May 2022 with no updates
Confirmation statement made on 23 May 2021 with updates
Memorandum and Articles of Association
Resolutions
Registration of charge SC3242290001, created on 17 September 2020
Notification of Mchardy Group Limited as a person with significant control on 1 June 2020
Cessation of Mchardy Financial Limited as a person with significant control on 1 June 2020
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