Company Overview
Mindmosaic Counselling And Therapy 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 Wednesday 29 August 2012, so this is a well established company. Mindmosaic Counselling And Therapy has been in business for 13 years and 7 months. The accounts status is total exemption full and the accounts are next due on Wednesday 31 December 2025.
Registered Address

Mindmosaic Counselling & Therapy, 7 Union Street, Greenock, Inverclyde, PA16 8JH
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Companies House Data
Company NameMINDMOSAIC COUNSELLING AND THERAPY
Company NumberSC431416
Registered Office AddressMindmosaic Counselling & Therapy
 7 Union Street
 PA16 8JH
Company CategoryPrivate Limited Company By Guarantee Without Share Capital, Use Of 'Limited' Exemption
Company StatusActive
Country of OriginUnited Kingdom
Incorporation Date29/08/2012
Accounting Reference Date Day31
Accounting Reference Date Month3
Accounts Next Due Date31/12/2025
Accounts Last Made Up Date31/03/2024
Accounts Account CategoryTOTAL EXEMPTION FULL
Returns Next Due Date26/09/2016
Returns Last Made Up Date29/08/2015
Directors & Members
Show Resigned
Pam Armstrong - Director
(British, 67 years old, born January 1959)
Appointed 12 February 2026
 Active
Graham Gardiner - Director
(British, 63 years old, born June 1963)
Appointed 14 July 2022
 Active
Marie Gunnis - Director
(British, 61 years old, born September 1965)
Appointed 15 January 2013
 Active
Michael Holland - Director
(British, 54 years old, born May 1972)
Appointed 14 May 2020
 Active
Gwyneth MacDonald - Director
(British, 64 years old, born June 1962)
Appointed 29 August 2012
 Active
Secretaries
No Secretaries Appointed
Other Company Directorships
Pam Armstrong
No companies found
Graham Gardiner
CVS INVERCLYDE
Marie Gunnis
SCOTTISH HOSTELS
Michael Holland
FLOURISH@MINDMOSAIC LTD
Gwyneth MacDonald
CVS INVERCLYDE
GMG ASSOCIATES LTD.
MACDONALD & CO (I.F.A.) LTD.
MACDONALD & CO (WEALTH MANAGEMENT) LTD.
Balance Sheet Unlock full report
Accounts Date 31-Mar-2024 31-Mar-2016 31-Mar-2015
Balance Sheet
Fixed Assets 1,751 1,751 3,211
Current Assets 61,443 61,443 6,701
Creditors Due Within One Year 59,548 59,548 9,458
Working Cap 1,895 1,895 -2,757
Total Assets Less Current Liabilities 3,646 3,646 454
Long-term Liabilities 0 0 0
Net Assets 3,646 3,646 454
Share Capital & Reserves
Share Cap - - -
Profit & Loss Reserves 3,646 3,646 454
Other Reserves - - -
Shareholders Funds 3,646 3,646 454
Common Size Financial Analysis Unlock full report
Accounts Date 31-Mar-2024 31-Mar-2016 31-Mar-2015
Tangible Fixed Assets 2.8% 2.8% 32.4%
Fixed Assets 2.8% 2.8% 32.4%
Stocks Inventory - - -
Debtors - - 29.3%
Cash Bank In Hand 97.2% 97.2% 38.3%
Current Assets 97.2% 97.2% 67.6%
Creditors Due Within One Year 94.2% 94.2% 95.4%
Net Current Assets Liabilities 3.0% 3.0% -27.8%
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 5.8% 5.8% 4.6%
Shareholder Funds 5.8% 5.8% 4.6%
Capital Employed - - -
Total Assets Less Current Liabilities 5.8% 5.8% 4.6%
Financial Ratio Analysis Unlock full report
Accounts Date 31-Mar-2024 31-Mar-2016 31-Mar-2015
Liquidity Ratio 1.0 1.0 0.7
Solvency Ratio 1.1 1.1 1.0
Reserves to Assets 0.1 0.1 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-2024 31-Mar-2016 31-Mar-2015
Assets 63,194 63,194 9,912
Debt 59,548 59,548 9,458
Net Assets/Debt 3,646 3,646 454

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. 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 moderate margin of cover over total debts and obligations. The latest accounts are not up-to-date. Later accounts are now overdue. Late filing is not a positive factor. Analysis based on the latest figures available must be taken in the context that the figures are not up-to-date.

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. 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 moderate margin of cover over total debts and obligations. The latest accounts are not up-to-date. Later accounts are now overdue. Late filing is not a positive factor. Analysis based on the latest figures available must be taken in the context that the figures are not up-to-date.   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. 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 moderate margin of cover over total debts and obligations. The latest accounts are not up-to-date. Later accounts are now overdue. Late filing is not a positive factor. Analysis based on the latest figures available must be taken in the context that the figures are not up-to-date.

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
Appointment of Mrs Pam Armstrong as a director on 12 February 2026
Termination of appointment of Theresa Cunningham as a director on 7 February 2026
Confirmation statement made on 26 August 2025 with no updates
Termination of appointment of Stephen Allan Henry as a director on 15 August 2025
Resolutions
Memorandum and Articles of Association
Statement of Company's objects
Appointment of Mrs Theresa Cunningham as a director on 1 April 2025
Termination of appointment of Vicky Cookson as a director on 31 March 2025
Confirmation statement made on 29 August 2024 with no updates
Confirmation statement made on 29 August 2023 with no updates
Termination of appointment of Jonathan Phillip Woods as a director on 8 September 2022
Confirmation statement made on 29 August 2022 with no updates
Appointment of Mr Graham Gardiner as a director on 14 July 2022
Registered office address changed from 30 Nelson Street Greenock Inverclyde PA15 1QH Scotland to Mindmosaic Counselling & Therapy 7 Union Street Greenock Inverclyde PA16 8JH on 28 September 2021
Confirmation statement made on 29 August 2021 with no updates
Confirmation statement made on 29 August 2020 with no updates
Appointment of Mr Michael Holland as a director on 14 May 2020
Appointment of Mrs Vicky Cookson as a director on 28 January 2020
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