Verified AccountantsUK firms, verified against the public record
Stewart & Cumming Limited website icon

Stewart & Cumming Limited

Accountant in Midlothian EH21

Verified & RegulatedTrust Score100/100Excellent

Companies House: SC21015231-33 Bridge St, Musselburgh, EH21 6AAData updated 07 Jul 2026

In the local market

Stewart & Cumming Limited is one of 6 accountancy practices we verify in Midlothian.

Verified Accountants assessment

Stewart & Cumming Limited is a UK limited company based in Midlothian, incorporated in 2000 and trading for 26 years.

Public records confirm it is anti-money-laundering supervised by HMRC, up to date with its accounts (last filed 30 Sep 2025), and running a confirmed website. Its most recent filed accounts, for the year to 30 Sep 2025, report net assets of £26,459, down from £28,473 the year before. Its website shows it handles Payroll and Bookkeeping and works with FreeAgent.

How we verify →

Verification record and Trust Score

100/100

Trust Score

Excellent
Public record
AML supervised · HMRC
Active company
Filing compliant
Trading 26 years
Professional qualification
  • ICAEW
  • ACCA
  • AAT
Contact
Website
Phone
Email

The Trust Score is the share of the applicable public signals we have verified, scored out of 100 - fully deterministic, never subjective. How it is scored, and every signal's points →

Companies HouseActiveno. SC210152 (opens in new tab)incorporated 2000Companies House · checked 07 Jul
Registered activity
  • SIC 69201 - Accounting and auditing
The business activity the firm registered with Companies House (its Standard Industrial Classification).Companies House · checked 07 Jul
Filing complianceAccounts and confirmation statement filed on timelast accounts 30 Sep 2025 (opens in new tab)Companies House · checked 07 Jul
Anti-money-launderingSupervised by HMRCMLR XQML00000115772By law, every UK accountant must be supervised for anti-money-laundering, by HMRC or an approved professional body. Being on the HMRC supervised register means this firm is monitored and operating legitimately.HMRC AML register · checked 20 Jul
Sources: Companies House (opens in new tab), HMRC AML register (opens in new tab)
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Good fit for

  • Works in FreeAgent
  • Handles Payroll and Bookkeeping

Specialisms and services

Services
AccountantPayrollBookkeeping
Software
FreeAgent

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People at Stewart & Cumming Limited

Persons with significant control (2)

  • Mrs Jennifer CummingOwns 25-50% of shares, 25-50% of voting rights
  • Mr Nairn Ritchie CummingOwns 25-50% of shares, 25-50% of voting rights

Source: Companies House register (opens in new tab).

Financials (as filed)

Companies House filing history (opens in new tab) | 2022 to 2025
Net assets
£26k
as at 30 Sep 2025-£2.0k vs 2024
Current assets
£95k
as at 30 Sep 2025+£27k vs 2024
Cash at bank
£42k
as at 30 Sep 2025+£25k vs 2024
Average employees
8
as at 30 Sep 2025
Current assets (cash, debtors, other) and net assets by year, in £. Latest year first.
2025202420232022
CashDebtorsOtherNet assets
Full figures
As filed30 Sep 202530 Sep 202430 Sep 202330 Sep 2022
Average employees8885
Net assets£26,459£28,473£56,460£73,029
Cash at bank£42,164£17,199£36,449£52,309
Current assets£94,845£67,426£93,571£121,796
Fixed assets£41,386£40,824£46,270£44,870
Debtors£52,681£50,227
Creditors£64,146£55,964

Figures as reported in this firm's accounts filed at Companies House. Net assets is total assets less what the company owes; a figure below zero means recorded liabilities exceed assets. Small companies may file abbreviated accounts that omit turnover and profit. Public record, reproduced as facts.

Timeline

  1. 2000Company incorporated
  2. 2025Latest accounts filed
  3. 2026Verified on this directory

Frequently asked questions

Is Stewart & Cumming Limited a regulated accountant?

Yes. Stewart & Cumming Limited is supervised for anti-money-laundering by HMRC (registration XQML00000115772). Every UK accountant must be supervised for anti-money-laundering, by HMRC or an approved professional body, so this confirms the firm is authorised to practise and monitored for compliance.

What services does Stewart & Cumming Limited offer?

Based on its own website, Stewart & Cumming Limited offers Payroll and Bookkeeping. Confirm current services and availability with the firm before engaging. Message this firm →

How long has Stewart & Cumming Limited been established?

Stewart & Cumming Limited was incorporated at Companies House in 2000, so it has been on the register for about 26 years. A longer trading history is one sign of an established, accountable firm, though a newer firm is not necessarily less capable.

Does Stewart & Cumming Limited file its accounts on time?

Yes. According to Companies House, Stewart & Cumming Limited's most recent statutory accounts were filed by their due date. On-time filing is a basic sign that a company is being administered properly.

How do you verify Stewart & Cumming Limited?

We build this record only from public, authoritative sources - for this firm, Companies House and HMRC AML register, and stamp every claim with its source and the date we last checked it. We show only what we can verify and say so plainly when we cannot. How we verify →

How is the Trust Score calculated?

The Trust Score is fully deterministic: fixed points for public, verified signals - an active company, anti-money-laundering supervision, filing compliance, a confirmed website and trading history. Stewart & Cumming Limited scores 100/100. Nothing in the score is subjective, and every rule is listed on this page. How we verify →

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