Company Overview
Gam Stuart Limited is listed at the official companies registry as Active Private Limited Company. The company was incorporated on Friday 08 August 2008, so this is a well established company. Gam Stuart Limited has been in business for 17 years and 8 months. The accounts status is group and the accounts are next due on Monday 31 August 2026.
Registered Address

19A Graham Street, Edinburgh, Lothian, EH6 5QN
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Companies House Data
Company NameGAM STUART LIMITED
Company NumberSC346785
Registered Office Address19a Graham Street
 EH6 5QN
Company CategoryPrivate Limited Company
Company StatusActive
Country of OriginUnited Kingdom
Incorporation Date08/08/2008
Accounting Reference Date Day30
Accounting Reference Date Month11
Accounts Next Due Date31/08/2026
Accounts Last Made Up Date30/11/2024
Accounts Account CategoryGROUP
Returns Next Due Date05/09/2016
Returns Last Made Up Date08/08/2015
Directors & Members
Show Resigned
Arvinder Bilon - Director
(British, 45 years old, born May 1981)
Appointed 22 April 2009
 Active
Gordon Stuart - Director
(British, 47 years old, born August 1979)
Appointed 08 August 2008
 Active
Secretaries
Show Resigned
Other Company Directorships
Arvinder Bilon
BILON & STUART (HOLDINGS) LTD
COMMUNITY PHARMACY SCOTLAND
D P LORIMER LIMITED
MACPHARM LIMITED
SPGC PROPERTY LIMITED
STUART & BILON LIMITED
Gordon Stuart
BILON & STUART (HOLDINGS) LTD
BILON & STUART LIMITED
COMISTON DENTAL LIMITED
D P LORIMER LIMITED
MACPHARM LIMITED
STUART & BILON LIMITED
Balance Sheet Unlock full report
Accounts Date 30-Nov-2024 30-Nov-2022 30-Nov-2021
Balance Sheet
Fixed Assets 5,816,600 5,816,600 6,569,470
Current Assets 3,628,219 3,628,219 3,334,457
Creditors Due Within One Year 2,741,543 2,741,543 2,526,344
Working Cap 886,676 886,676 808,113
Total Assets Less Current Liabilities 6,703,276 6,703,276 7,377,583
Long-term Liabilities 5,764,524 5,764,524 6,448,469
Net Assets 938,752 938,752 929,114
Share Capital & Reserves
Share Cap - - -
Profit & Loss Reserves - - -
Other Reserves - - -
Shareholders Funds 938,752 938,752 929,114
Common Size Financial Analysis Unlock full report
Accounts Date 30-Nov-2024 30-Nov-2022 30-Nov-2021
Tangible Fixed Assets - - -
Fixed Assets 61.6% 61.6% 66.3%
Stocks Inventory - - -
Debtors 23.1% 23.1% 21.3%
Cash Bank In Hand 10.9% 10.9% 8.5%
Current Assets 38.4% 38.4% 33.7%
Creditors Due Within One Year 29.0% 29.0% 25.5%
Net Current Assets Liabilities 9.4% 9.4% 8.2%
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 9.9% 9.9% 9.4%
Capital Employed - - -
Total Assets Less Current Liabilities 71.0% 71.0% 74.5%
Financial Ratio Analysis Unlock full report
Accounts Date 30-Nov-2024 30-Nov-2022 30-Nov-2021
Liquidity Ratio 1.3 1.3 1.3
Solvency Ratio 1.1 1.1 1.1
Reserves to Assets - - -
Secured Creditors Unlock full report
Mortgages Charges 15
Mortgages Outstanding 10
Mortgages Part Satisfied 0
Mortgages Satisfied 5
Assets and Debt Analysis Unlock full report
Accounts Date 30-Nov-2024 30-Nov-2022 30-Nov-2021
Assets 9,444,819 9,444,819 9,903,927
Debt 8,506,067 8,506,067 8,974,813
Net Assets/Debt 938,752 938,752 929,114

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 appeared positive. We would normally view a company positively for this. For the size of the company inferred by the balance sheet this level of net assets suggests total debts and obligations were moderately well covered.

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 appeared positive. We would normally view a company positively for this. For the size of the company inferred by the balance sheet this level of net assets suggests total debts and obligations were moderately well covered.   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 appeared positive. We would normally view a company positively for this. For the size of the company inferred by the balance sheet this level of net assets suggests total debts and obligations were moderately well covered.

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
Satisfaction of charge SC3467850014 in full
Registration of charge SC3467850017, created on 22 January 2026
Registration of charge SC3467850018, created on 22 January 2026
Registration of charge SC3467850019, created on 22 January 2026
Registration of charge SC3467850020, created on 22 January 2026
Registration of charge SC3467850021, created on 22 January 2026
Registration of charge SC3467850022, created on 22 January 2026
Registration of charge SC3467850023, created on 22 January 2026
Registration of charge SC3467850024, created on 22 January 2026
Registration of charge SC3467850016, created on 20 January 2026
Satisfaction of charge SC3467850015 in full
Satisfaction of charge SC3467850003 in full
Satisfaction of charge SC3467850012 in full
Satisfaction of charge SC3467850006 in full
Satisfaction of charge SC3467850010 in full
Satisfaction of charge SC3467850011 in full
Satisfaction of charge SC3467850009 in full
Satisfaction of charge SC3467850013 in full
Satisfaction of charge SC3467850007 in full
Confirmation statement made on 8 August 2025 with no updates
Registration of charge SC3467850015, created on 6 November 2024
Registration of charge SC3467850014, created on 5 November 2024
Confirmation statement made on 8 August 2024 with no updates
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