Company Overview
Veritas Property Finance Limited is listed at the official companies registry as Active Private Limited Company. The company was incorporated on Monday 09 April 2018, so this is a well established company. Veritas Property Finance Limited has been in business for 8 years. The accounts status is total exemption full and the accounts are next due on Wednesday 30 September 2026.
Registered Address

11 Guardwell Crescent, Edinburgh, EH17 7JA
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Companies House Data
Company NameVERITAS PROPERTY FINANCE LIMITED
Company NumberSC593725
Registered Office Address11 Guardwell Crescent
 EH17 7JA
Company CategoryPrivate Limited Company
Company StatusActive
Country of OriginUnited Kingdom
Incorporation Date09/04/2018
Accounting Reference Date Day31
Accounting Reference Date Month12
Accounts Next Due Date30/09/2026
Accounts Last Made Up Date31/12/2024
Accounts Account CategoryTOTAL EXEMPTION FULL
Returns Next Due Date07/05/2019
Directors & Members
Show Resigned
Scott Cowan - Director
(British, 58 years old, born April 1968)
Appointed 09 April 2018
 Active
Andrew MacKenzie - Director
(British, 54 years old, born August 1972)
Appointed 05 November 2018
 Active
Secretaries
No Secretaries Appointed
Other Company Directorships
Scott Cowan
JAL SCOTLAND LIMITED
MBM VERITAS LTD
VERITAS RESIDENTIAL LIMITED
VERITAS TREASURY LTD
VERITAS TREASURY SPECIALISTS LIMITED
Andrew MacKenzie
No companies found
Balance Sheet Unlock full report
Accounts Date 31-Dec-2024 31-Dec-2022 31-Dec-2021
Balance Sheet
Fixed Assets 0 0 5,110
Current Assets 223,316 223,316 248,603
Creditors Due Within One Year 165,023 165,023 203,486
Working Cap 58,293 58,293 45,117
Total Assets Less Current Liabilities 58,293 58,293 50,227
Long-term Liabilities 19,334 19,334 27,333
Net Assets 38,959 38,959 22,894
Share Capital & Reserves
Share Cap - - -
Profit & Loss Reserves - - -
Other Reserves - - -
Shareholders Funds 38,959 38,959 22,894
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% 2.0%
Stocks Inventory - - -
Debtors 55.4% 55.4% -
Cash Bank In Hand 44.6% 44.6% 98.0%
Current Assets 100.0% 100.0% 98.0%
Creditors Due Within One Year 73.9% 73.9% 80.2%
Net Current Assets Liabilities 26.1% 26.1% 17.8%
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 - - -
Shareholder Funds 17.4% 17.4% 9.0%
Capital Employed - - -
Total Assets Less Current Liabilities 26.1% 26.1% 19.8%
Financial Ratio Analysis Unlock full report
Accounts Date 31-Dec-2024 31-Dec-2022 31-Dec-2021
Liquidity Ratio 1.4 1.4 1.2
Solvency Ratio 1.2 1.2 1.1
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 223,316 223,316 253,713
Debt 184,357 184,357 230,819
Net Assets/Debt 38,959 38,959 22,894

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. The amount of net assets suggests sufficient cover for total debts and obligations for the size of the company inferred by the balance sheet.

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. The amount of net assets suggests sufficient cover for total debts and obligations for the size of the company inferred by the balance sheet.   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. The amount of net assets suggests sufficient cover for total debts and obligations for the size of the company inferred by the balance sheet.

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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IT FLEET AUTOMOTIVE SCOTLAND LIMITED
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AGB ACCOUNTING & TAX CONSULTANTS LIMITED
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DN TAXIS LTD.
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QA VEHICLE SOLUTIONS LIMITED
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QA TECHNICAL SERVICES LIMITED
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Document Filings
Confirmation statement made on 7 October 2025 with no updates
Confirmation statement made on 12 October 2024 with no updates
Confirmation statement made on 12 October 2023 with no updates
Confirmation statement made on 12 October 2022 with no updates
Confirmation statement made on 12 October 2021 with no updates
Director's details changed for Mr Andrew Mckenzie on 5 November 2018
Confirmation statement made on 12 October 2020 with updates
Registered office address changed from 15 Queen Street Edinburgh EH2 1JE United Kingdom to 11 Guardwell Crescent Edinburgh EH17 7JA on 6 October 2020
Confirmation statement made on 6 September 2020 with updates
Termination of appointment of Gary Christopher Hobbis as a director on 11 August 2020
Cancellation of shares. Statement of capital on 19 September 2019
Purchase of own shares.
Confirmation statement made on 6 September 2019 with updates
Notification of Jal Scotland Limited as a person with significant control on 31 March 2019
Current accounting period extended from 31 August 2019 to 31 December 2019
Current accounting period shortened from 30 April 2019 to 31 August 2018
Termination of appointment of Derek Peter Mcphail as a director on 19 September 2019
Appointment of Mr Andrew Mckenzie as a director on 5 November 2018
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