Company Overview
The Borders Citizens Advice Consortium is listed at the official companies registry as Active Private Limited Company By Guarantee Without Share Capital, Use Of 'Limited' Exemption. The company was incorporated on Tuesday 27 March 2012, so this is a well established company. The Borders Citizens Advice Consortium has been in business for 14 years. The accounts status is total exemption full and the accounts are next due on Wednesday 31 December 2025.
Registered Address

111 High Street, Galashiels, Scottish Borders, TD1 1RZ
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Companies House Data
Company NameTHE BORDERS CITIZENS ADVICE CONSORTIUM
Company NumberSC420486
Registered Office Address111 High Street
 TD1 1RZ
Company CategoryPrivate Limited Company By Guarantee Without Share Capital, Use Of 'Limited' Exemption
Company StatusActive
Country of OriginUnited Kingdom
Incorporation Date27/03/2012
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 Date24/04/2017
Returns Last Made Up Date27/03/2016
Directors & Members
Show Resigned
Heather Anderson - Director
(Scottish, 64 years old, born April 1962)
Appointed 03 October 2023
 Active
James Brownlee - Director
(British, 59 years old, born June 1967)
Appointed 14 December 2021
 Active
James Cleland - Director
(British, 67 years old, born July 1959)
Appointed 10 December 2024
 Active
Andrew Crawley - Director
(British, 65 years old, born August 1961)
Appointed 14 December 2021
 Active
Calum Kerr - Director
(British, 54 years old, born April 1972)
Appointed 28 January 2019
 Active
Kathryn Peden - Director
(British, 68 years old, born January 1958)
Appointed 21 November 2024
 Active
Angela Poplawski - Director
(British, 79 years old, born August 1947)
Appointed 01 June 2025
 Active
Secretaries
Show Resigned
Other Company Directorships
Heather Anderson
ROXBURGH AND BERWICKSHIRE CITIZENS ADVICE BUREAU
James Brownlee
ADVICE DIRECT SCOTLAND LIMITED
James Cleland
No companies found
Andrew Crawley
No companies found
Calum Kerr
ADVICE DIRECT SCOTLAND LIMITED
PEEBLES AND DISTRICT CITIZENS ADVICE BUREAU
SOCIAL ENTERPRISE DIRECT
Kathryn Peden
CENTRAL BORDERS CITIZENS ADVICE BUREAU
PND BORDERS
Angela Poplawski
CENTRAL BORDERS CITIZENS ADVICE BUREAU
Balance Sheet Unlock full report
Accounts Date 31-Mar-2025 31-Mar-2020 31-Mar-2019
Balance Sheet
Fixed Assets 0 0 0
Current Assets 667 667 310
Creditors Due Within One Year 0 0 0
Working Cap 667 667 310
Total Assets Less Current Liabilities 667 667 310
Long-term Liabilities 0 0 0
Net Assets 667 667 310
Share Capital & Reserves
Share Cap - - -
Profit & Loss Reserves - - -
Other Reserves - - -
Shareholders Funds 667 667 310
Common Size Financial Analysis Unlock full report
Accounts Date 31-Mar-2025 31-Mar-2020 31-Mar-2019
Tangible Fixed Assets - - -
Fixed Assets 0.0% 0.0% 0.0%
Stocks Inventory - - -
Debtors - - -
Cash Bank In Hand - - -
Current Assets 100.0% 100.0% 100.0%
Creditors Due Within One Year 0.0% 0.0% 0.0%
Net Current Assets Liabilities 100.0% 100.0% 100.0%
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 100.0% 100.0% 100.0%
Capital Employed - - -
Total Assets Less Current Liabilities 100.0% 100.0% 100.0%
Financial Ratio Analysis Unlock full report
Accounts Date 31-Mar-2025 31-Mar-2020 31-Mar-2019
Liquidity Ratio 667.0 667.0 310.0
Solvency Ratio ∞ ∞ ∞
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-Mar-2025 31-Mar-2020 31-Mar-2019
Assets 667 667 310
Debt 0 0 0
Net Assets/Debt 667 667 310

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. The balance sheet displays a very modest amount of net assets. 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. The balance sheet displays a very modest amount of net assets. 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. The balance sheet displays a very modest amount of net assets. 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
Other Business around TD1 1RZ
CENTRAL BORDERS CITIZENS ADVICE BUREAU
111 High Street, Galashiels, Selkirkshire, TD1 1RZ
PETER CO & ASSOCIATES LIMITED
127 High Street, Galashiels, Scottish Borders, TD1 1RZ
WORLD CLASS BARBERS LTD
71 High Street, Galashiels, TD1 1RZ
LEXO LTD
29 Commercial Street, Dundee, Scotland, TD1 1RZ
Document Filings
Confirmation statement made on 27 March 2025 with no updates
Appointment of James Cleland as a director on 10 December 2024
Appointment of Angela Elizabeth Poplawski as a director on 1 June 2025
Termination of appointment of John Offord as a director on 1 June 2025
Appointment of Kathryn Ann Peden as a director on 21 November 2024
Termination of appointment of James Arthur Richard Boyd as a director on 31 December 2024
Termination of appointment of James Arthur Richard Boyd as a secretary on 31 December 2024
Confirmation statement made on 27 March 2024 with no updates
Appointment of Mrs Heather Anderson as a director on 3 October 2023
Confirmation statement made on 27 March 2023 with no updates
Termination of appointment of Peter Seaton as a director on 3 April 2023
Appointment of Mr Peter Seaton as a director on 3 October 2022
Termination of appointment of James Robert Anderson as a director on 3 October 2022
Appointment of Dr John Offord as a director on 9 May 2022
Termination of appointment of Martyn Richard Buckley as a director on 10 May 2022
Confirmation statement made on 27 March 2022 with no updates
Appointment of Mr James David Brownlee as a director on 14 December 2021
Appointment of Mr Andrew Crawley as a director on 14 December 2021
Termination of appointment of William Joseph O'fee as a director on 14 December 2021
Termination of appointment of Lucy Jane Mobbs O'leary as a director on 14 December 2021
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