ST VINCENT (EQUITIES) LIMITED Credit Check Report

Company Overview

St Vincent (Equities) Limited is listed at the official companies registry as Active Private Limited Company. The company was incorporated on Friday 06 August 2010, so this is a well established company. St Vincent (Equities) Limited has been in business for 15 years and 8 months. The accounts status is full and the accounts are next due on Thursday 31 December 2026.

Registered Address

177 Bothwell Street, Glasgow, G2 7ER

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Companies House Data

Company Name	ST VINCENT (EQUITIES) LIMITED
Company Number	SC383251
Registered Office Address	177 Bothwell Street
	G2 7ER
Company Category	Private Limited Company
Company Status	Active
Country of Origin	United Kingdom
Incorporation Date	06/08/2010
Accounting Reference Date Day	31
Accounting Reference Date Month	3
Accounts Next Due Date	31/12/2026
Accounts Last Made Up Date	31/03/2025
Accounts Account Category	FULL
Returns Next Due Date	03/09/2016
Returns Last Made Up Date	06/08/2015

Previous Company Name	Changed Date
ST VINCENT INVESTMENTS (NO.3) LIMITED	25 Jan 2011

Directors & Members

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	Lesley Beattie - Director (British, 53 years old, born June 1973) Appointed 09 February 2012, Resigned 07 September 2018	Resigned
	Jonathan Byrne - Director (British, 57 years old, born August 1969) Appointed 17 September 2018, Resigned 23 May 2021	Resigned
	James Duffy - Director (British, 66 years old, born June 1960) Appointed 14 September 2010, Resigned 30 April 2014	Resigned
	Kenneth Fox - Director (Canadian, 41 years old, born June 1985) Appointed 11 December 2020, Resigned 29 February 2024	Resigned
	Marcus Goffin - Director (British, 46 years old, born November 1980) Appointed 18 February 2026	Active
	Adrian Haines - Director (British, 59 years old, born July 1967) Appointed 19 April 2024, Resigned 31 January 2026	Resigned
	Matthew Harrison - Director (British, 41 years old, born September 1985) Appointed 21 August 2020	Active
	Parikshit Kumar - Director (Indian, 37 years old, born October 1989) Appointed 01 March 2024, Resigned 31 August 2025	Resigned
	Lynn McManus - Director (British, 58 years old, born June 1968) Appointed 14 September 2010, Resigned 29 April 2016	Resigned
	Richard Norrington - Director (British, 61 years old, born September 1965) Appointed 30 September 2013, Resigned 20 November 2014	Resigned
	Keith Ollier - Director (British, 69 years old, born September 1957) Appointed 14 December 2018, Resigned 09 April 2019	Resigned
	Craig Purden - Director (British, 51 years old, born December 1975) Appointed 04 October 2013, Resigned 20 July 2020	Resigned
	Graeme Sands - Director (British, 56 years old, born April 1970) Appointed 16 December 2021	Active
	Andrena Saripo - Director (British, 51 years old, born January 1975) Appointed 17 September 2018, Resigned 20 March 2023	Resigned
	Gavin Smyth - Director (British, 49 years old, born July 1977) Appointed 18 February 2026	Active
	Philip Tarimo - Director (British, 61 years old, born September 1965) Appointed 23 January 2015, Resigned 31 March 2018	Resigned
	David Thorburn - Director (British, 68 years old, born January 1958) Appointed 06 August 2010, Resigned 30 January 2012	Resigned
	Nicholas Walford - Director (British, 52 years old, born April 1974) Appointed 15 February 2017, Resigned 17 September 2021	Resigned
	Michael Webber - Director (British, 70 years old, born April 1956) Appointed 14 September 2010, Resigned 30 April 2013	Resigned
	Nbs Cosec Limited - Secretary Appointed 31 July 2025	Active

Secretaries

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	Lorna McMillan - Secretary Appointed 06 August 2010, Resigned 31 July 2025	Resigned
	Nbs Cosec Limited - Secretary Appointed 31 July 2025	Active

Other Company Directorships

Marcus Goffin
NBS VENTURES LIMITED

Matthew Harrison
CYB SSP TRUSTEE LIMITED

Graeme Sands
KORALA ASSOCIATES LIMITED

Gavin Smyth
DERBYSHIRE HOME LOANS LIMITED
E-MEX HOME FUNDING LIMITED
THE MORTGAGE WORKS (UK) PLC
U C B HOME LOANS CORPORATION LIMITED

Balance Sheet

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Common Size Financial Analysis

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Secured Creditors

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Public Record Information

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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

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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

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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

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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

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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)

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

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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

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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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