Company Overview
Advanced Investment & Retirement Planning (Scotland) Ltd is listed at the official companies registry as Active Private Limited Company. The company was incorporated on Tuesday 22 September 2020. Advanced Investment & Retirement Planning (Scotland) Ltd has been in business for 5 years and 6 months. The accounts status is unaudited abridged and the accounts are next due on Thursday 31 December 2026.
Registered Address

7 Ardross Street, Inverness, IV3 5NN
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Companies House Data
Company NameADVANCED INVESTMENT & RETIREMENT PLANNING (SCOTLAND) LTD
Company NumberSC675101
Registered Office Address7 Ardross Street
 IV3 5NN
Company CategoryPrivate Limited Company
Company StatusActive
Country of OriginUnited Kingdom
Incorporation Date22/09/2020
Accounting Reference Date Day31
Accounting Reference Date Month3
Accounts Next Due Date31/12/2026
Accounts Last Made Up Date31/03/2025
Accounts Account CategoryUNAUDITED ABRIDGED
Returns Next Due Date20/10/2021
Directors & Members
Show Resigned
Euan Lock - Director
(British, 44 years old, born August 1982)
Appointed 05 January 2026
 Active
David McConachie - Director
(British, 63 years old, born August 1963)
Appointed 05 January 2026
 Active
Secretaries
No Secretaries Appointed
Other Company Directorships
Euan Lock
AIRP HOLDINGS LTD
CAMPBELL & MCCONNACHIE LIMITED
CM BIDCO LIMITED
JULIA WILLIAMS FINANCIAL PLANNING LTD
David McConachie
AIRP HOLDINGS LTD
CAMPBELL & MCCONNACHIE LIMITED
CM BIDCO LIMITED
JULIA WILLIAMS FINANCIAL PLANNING LTD
OAKBANK FINANCIAL SERVICES LTD.
Balance Sheet Unlock full report
Accounts Date 31-Mar-2025 31-Mar-2023 31-Mar-2022
Balance Sheet
Fixed Assets 6,656 6,656 8,078
Current Assets 126,947 126,947 174,763
Creditors Due Within One Year 45,481 45,481 74,214
Working Cap 81,466 81,466 100,549
Total Assets Less Current Liabilities 88,122 88,122 108,627
Long-term Liabilities 25,470 25,470 25,337
Net Assets 62,652 62,652 83,290
Share Capital & Reserves
Share Cap - - -
Profit & Loss Reserves - - -
Other Reserves - - -
Shareholders Funds 62,652 62,652 83,290
Common Size Financial Analysis Unlock full report
Accounts Date 31-Mar-2025 31-Mar-2023 31-Mar-2022
Tangible Fixed Assets - - -
Fixed Assets 5.0% 5.0% 4.4%
Stocks Inventory - - -
Debtors 52.3% 52.3% 55.5%
Cash Bank In Hand 42.7% 42.7% 40.0%
Current Assets 95.0% 95.0% 95.6%
Creditors Due Within One Year 34.0% 34.0% 40.6%
Net Current Assets Liabilities 61.0% 61.0% 55.0%
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 46.9% 46.9% 45.6%
Capital Employed - - -
Total Assets Less Current Liabilities 66.0% 66.0% 59.4%
Financial Ratio Analysis Unlock full report
Accounts Date 31-Mar-2025 31-Mar-2023 31-Mar-2022
Liquidity Ratio 2.8 2.8 2.4
Solvency Ratio 1.9 1.9 1.8
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-2023 31-Mar-2022
Assets 133,603 133,603 182,841
Debt 70,951 70,951 99,551
Net Assets/Debt 62,652 62,652 83,290

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 has some deficiency. 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 has some deficiency. 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 has some deficiency. 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
Registered office address changed from Harbour House 1 Shore Street Lossiemouth Moray IV31 6PD Scotland to 7 Ardross Street Inverness IV3 5NN on 20 January 2026
Previous accounting period shortened from 31 March 2026 to 31 December 2025
Particulars of variation of rights attached to shares
Registered office address changed from 7 Ardross Street Inverness Highlands IV3 5NN to Harbour House 1 Shore Street Lossiemouth Moray IV31 6PD on 16 January 2026
Appointment of Mr David Alexander Mcconachie as a director on 5 January 2026
Termination of appointment of Ferrier John Pryde as a director on 5 January 2026
Termination of appointment of Ross David Smith as a director on 5 January 2026
Appointment of Mr Euan Halliday Lock as a director on 5 January 2026
Memorandum and Articles of Association
Resolutions
Confirmation statement made on 30 March 2025 with no updates
Confirmation statement made on 30 March 2024 with no updates
Confirmation statement made on 30 March 2023 with no updates
Confirmation statement made on 30 March 2022 with no updates
Previous accounting period shortened from 30 September 2021 to 31 March 2021
Termination of appointment of James West Smith as a director on 14 May 2021
Confirmation statement made on 30 March 2021 with updates
Statement of capital following an allotment of shares on 29 March 2021
Registered office address changed from 7 Ardross Street Inverness IV3 5PL Scotland to 7 Ardross Street Inverness Highlands IV3 5NN on 16 March 2021
Incorporation
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