Company Overview
Pension And Investment Options Ltd is listed at the official companies registry as Active Private Limited Company. The company was incorporated on Wednesday 09 December 2015, so this is a well established company. Pension And Investment Options Ltd has been in business for 10 years and 3 months. The accounts status is micro entity and the accounts are next due on Monday 10 August 2026.
Registered Address

80 St. Vincent Street, Glasgow, G2 5UB
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Companies House Data
Company NamePENSION AND INVESTMENT OPTIONS LTD
Company NumberSC522165
Registered Office Address80 St. Vincent Street
 G2 5UB
Company CategoryPrivate Limited Company
Company StatusActive
Country of OriginUnited Kingdom
Incorporation Date09/12/2015
Accounting Reference Date Day10
Accounting Reference Date Month11
Accounts Next Due Date10/08/2026
Accounts Last Made Up Date31/12/2024
Accounts Account CategoryMICRO ENTITY
Returns Next Due Date06/01/2017
Directors & Members
Alistair McLean - Director
(British, 63 years old, born May 1963)
Appointed 09 December 2015
 Active
Gavin Mulherron - Director
(British, 63 years old, born April 1963)
Appointed 09 December 2015
 Active
Simon Pile - Director
(British, 43 years old, born October 1983)
Appointed 10 November 2025
 Active
Tom Taylor - Director
(British, 58 years old, born December 1968)
Appointed 10 November 2025
 Active
Simon Wilson - Director
(British, 52 years old, born February 1974)
Appointed 10 November 2025
 Active
Secretaries
Simon Wilson - Secretary
Appointed 10 November 2025
 Active
Other Company Directorships
Alistair McLean
No companies found
Gavin Mulherron
No companies found
Simon Pile
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BRANTWOOD FINANCIAL PLANNING LIMITED
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CITY GATE ABERDEEN LIMITED
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CUBE FINANCIAL PLANNING LIMITED
EAST 2 WEST FINANCIAL SERVICES LIMITED
EAST DEVON ASSOCIATES LIMITED
EXECUTIVE WEALTH MANAGEMENT LIMITED
FAIRSTONE HOLDINGS (IRELAND) LTD
FAIRSTONE MORTGAGE SOLUTIONS LIMITED
FINANCIAL CONCEPTS (CARLISLE) LIMITED
FORBES LAWSON WEALTH MANAGEMENT LIMITED
GOODMAN FINANCIAL PLANNERS LTD
GRAYSIDE LIMITED
IF FINANCIAL LIMITED
IMAGINE FP LTD
JACKSON LAW FINANCIAL MANAGEMENT LIMITED
JAMES RYAN THORNHILL (HOLDINGS) LIMITED
JAMES RYAN THORNHILL LIMITED
KINGSLAND WEALTH MANAGEMENT LIMITED
MANTLE & PARTNERS LIMITED
MORTGAGE 65 LIMITED
MT FINANCIAL MANAGEMENT LIMITED
NEXT HOME (SCOTLAND) LTD.
PREMIER PORTFOLIO FINANCIAL SERVICES LIMITED
ROBERT LANGLEY ASSET MANAGEMENT LIMITED
SABRE FINANCIAL PLANNING LIMITED
STATION ASSOCIATES LTD
Tom Taylor
AIMING FOR UTOPIA LIMITED
AJP WEALTH MANAGEMENT LTD
ALLEN TOMAS & CO FINANCIAL MANAGEMENT LTD.
EXECUTIVE WEALTH MANAGEMENT LIMITED
GRAYSIDE LIMITED
IF FINANCIAL LIMITED
PREMIER PORTFOLIO FINANCIAL SERVICES LIMITED
UTOPIA GROUP HOLDINGS LIMITED
Simon Wilson
ADVANCED FINANCIAL SERVICES UK LIMITED
AJP WEALTH MANAGEMENT LTD
ALLAN CARR LTD
ALLEN TOMAS & CO FINANCIAL MANAGEMENT LTD.
ANGUS ASSET MANAGEMENT LIMITED
BELLEGROVE MORTGAGE SERVICES LIMITED
CITY GATE ABERDEEN LIMITED
CLEARWORKS LIMITED
EXECUTIVE WEALTH MANAGEMENT LIMITED
FAIRSTONE CAPITAL INVESTMENT LIMITED
FAIRSTONE CORPORATE MANAGEMENT LIMITED
FAIRSTONE CORPORATE SOLUTIONS LIMITED
FAIRSTONE EXECUTIVE MANAGEMENT LIMITED
FAIRSTONE FINANCIAL MANAGEMENT LIMITED
FAIRSTONE GROUP LIMITED
FAIRSTONE HOLDINGS LIMITED
FAIRSTONE WEALTH MANAGEMENT LIMITED
FORBES LAWSON WEALTH MANAGEMENT LIMITED
GOODMAN FINANCIAL PLANNERS LTD
GRAYSIDE LIMITED
IF FINANCIAL LIMITED
IMAGINE FP LTD
JACKSON LAW FINANCIAL MANAGEMENT LIMITED
JAMES RYAN THORNHILL (HOLDINGS) LIMITED
JAMES RYAN THORNHILL LIMITED
MANTLE & PARTNERS LIMITED
MORTGAGE 65 LIMITED
MT FINANCIAL MANAGEMENT LIMITED
NEXT HOME (SCOTLAND) LTD.
PREMIER PORTFOLIO FINANCIAL SERVICES LIMITED
ROBERT LANGLEY ASSET MANAGEMENT LIMITED
SABRE FINANCIAL PLANNING LIMITED
STATION ASSOCIATES LTD
TOPLAND ESTATES (U.K.) LIMITED
Balance Sheet Unlock full report
Accounts Date 31-Dec-2024 31-Dec-2022 31-Dec-2021
Balance Sheet
Fixed Assets 0 0 0
Current Assets 101,878 101,878 134,261
Creditors Due Within One Year 44,271 44,271 48,008
Working Cap 57,607 57,607 86,253
Total Assets Less Current Liabilities 57,607 57,607 86,253
Long-term Liabilities 12,563 12,563 46,650
Net Assets 45,044 45,044 39,603
Share Capital & Reserves
Share Cap - - -
Profit & Loss Reserves - - -
Other Reserves - - -
Shareholders Funds 45,044 45,044 39,603
Common Size Financial Analysis Unlock full report
Accounts Date 31-Dec-2024 31-Dec-2022 31-Dec-2021
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 43.5% 43.5% 35.8%
Net Current Assets Liabilities 56.5% 56.5% 64.2%
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 44.2% 44.2% 29.5%
Capital Employed - - -
Total Assets Less Current Liabilities 56.5% 56.5% 64.2%
Financial Ratio Analysis Unlock full report
Accounts Date 31-Dec-2024 31-Dec-2022 31-Dec-2021
Liquidity Ratio 2.3 2.3 2.8
Solvency Ratio 1.8 1.8 1.4
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-Dec-2024 31-Dec-2022 31-Dec-2021
Assets 101,878 101,878 134,261
Debt 56,834 56,834 94,658
Net Assets/Debt 45,044 45,044 39,603

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 presents modest 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 presents modest 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 presents modest 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
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Document Filings
Confirmation statement made on 7 December 2025 with updates
Previous accounting period shortened from 31 December 2025 to 10 November 2025
Memorandum and Articles of Association
Resolutions
Appointment of Mr Simon Levick Garth Wilson as a secretary on 10 November 2025
Registered office address changed from 1 Campbell Lane Hamilton ML3 6DB Scotland to 80 st. Vincent Street Glasgow G2 5UB on 11 November 2025
Notification of Fairstone Holdings Limited as a person with significant control on 10 November 2025
Appointment of Mr Simon Levick Garth Wilson as a director on 10 November 2025
Cessation of Alistair Mclean as a person with significant control on 10 November 2025
Appointment of Mr Simon Timothy Pile as a director on 10 November 2025
Appointment of Mr Tom Taylor as a director on 10 November 2025
Cessation of Gavin Mulherron as a person with significant control on 8 January 2018
Notification of Gavin Mulherron as a person with significant control on 6 April 2016
Notification of Alistair Mclean as a person with significant control on 6 April 2016
Withdrawal of a person with significant control statement on 16 October 2025
Director's details changed for Alistair Mclean on 3 September 2025
Director's details changed for Gavin Mulherron on 3 September 2025
Confirmation statement made on 7 December 2024 with no updates
Registered office address changed from 16 Haddow Street Hamilton ML3 7HX Scotland to 1 Campbell Lane Hamilton ML3 6DB on 24 May 2024
Confirmation statement made on 7 December 2023 with updates
Particulars of variation of rights attached to shares
Change of share class name or designation
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