Company Overview
Mortgage Finance Brokers Limited is listed at the official companies registry as Active Private Limited Company. The company was incorporated on Wednesday 16 May 1990, so this is a well established company. Mortgage Finance Brokers Limited has been in business for 35 years and 10 months. The accounts status is total exemption full and the accounts are next due on Wednesday 30 September 2026.
Registered Address

17 Kings Hill Avenue, Kings Hill, West Malling, ME19 4UA
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Companies House Data
Company NameMORTGAGE FINANCE BROKERS LIMITED
Company Number02502713
Registered Office Address17 Kings Hill Avenue
 Kings Hill
 ME19 4UA
Company CategoryPrivate Limited Company
Company StatusActive
Country of OriginUnited Kingdom
Incorporation Date16/05/1990
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 Date13/06/2017
Returns Last Made Up Date16/05/2016
Previous Company NameChanged Date
MORTGAGES FOR BUSINESS LIMITED16 Jan 2024
Directors & Members
Show Resigned
Joanne Anderson - Director
(British, 52 years old, born December 1974)
Appointed 24 October 2023
 Active
Gavin Richardson - Director
(British, 54 years old, born March 1972)
Appointed 20 July 2021
 Active
David Whittaker - Director
(British, 68 years old, born July 1958)
Simon Whittaker - Director
(British, 73 years old, born October 1953)
Appointed 17 April 2002
 Active
Secretaries
Show Resigned
Elyse O'sheen - Secretary
Appointed 01 January 2022
 Active
Other Company Directorships
Joanne Anderson
No companies found
Gavin Richardson
No companies found
David Whittaker
BECKENHAM M.C. LIMITED
INSURANCE SERVICES FOR BUSINESS LIMITED
KEYSTONE BTL ONE LIMITED
KEYSTONE BUSINESS MORTGAGES LIMITED
KEYSTONE BUY TO LET MORTGAGES LIMITED
KEYSTONE COMMERCIAL MORTGAGES LIMITED
KEYSTONE COMMERCIAL MORTGAGES LIMITED
KEYSTONE PROPERTY FINANCE LIMITED
KEYSTONE PROPERTY SERVICING LIMITED
KEYSTONE SPECIALIST LENDING LIMITED
KINGS HILL FUNDING LIMITED
KINGS HILL FUNDING NO 1 LIMITED
KINGS HILL FUNDING NO 2 LIMITED
KINGS HILL FUNDING NO 3 LIMITED
KINGS HILL FUNDING NO 4 LIMITED
KINGS HILL FUNDING NO 5 LIMITED
MFB LIMITED
MORTGAGES FOR LANDLORDS LTD
NACFB MEMBER SERVICES LIMITED
PBG TRUSTEES LIMITED
THE BUSINESS MORTGAGE COMPANY SERVICES LIMITED
THE NATIONAL ASSOCIATION OF COMMERCIAL FINANCE BROKERS
THE PROPERTY BUSINESS GROUP LIMITED
UK COMMERCIAL FUNDING (WALES) LIMITED
UK COMMERCIAL FUNDING GROUP LIMITED
Simon Whittaker
INSURANCE SERVICES FOR BUSINESS LIMITED
KEYSTONE BTL ONE LIMITED
KEYSTONE BUSINESS MORTGAGES LIMITED
KEYSTONE BUY TO LET MORTGAGES LIMITED
KEYSTONE COMMERCIAL MORTGAGES LIMITED
KEYSTONE COMMERCIAL MORTGAGES LIMITED
KEYSTONE PROPERTY FINANCE LIMITED
KEYSTONE PROPERTY SERVICING LIMITED
KEYSTONE SPECIALIST LENDING LIMITED
MF BROKERS LIMITED
MFB LIMITED
MORTGAGES FOR BUSINESS LIMITED
MORTGAGES FOR LANDLORDS LTD
PBG TRUSTEES LIMITED
SEWARD LIMITED
THE PROPERTY BUSINESS GROUP LIMITED
TRIANGLE CORPORATE SERVICES LIMITED
UK COMMERCIAL FUNDING (WALES) LIMITED
UK COMMERCIAL FUNDING GROUP LIMITED
Balance Sheet Unlock full report
Accounts Date 31-Dec-2024 31-Dec-2011 31-Dec-2010
Balance Sheet
Fixed Assets 32,371 32,371 50,459
Current Assets 674,045 674,045 383,747
Creditors Due Within One Year 542,362 542,362 433,486
Working Cap 131,683 131,683 -49,739
Total Assets Less Current Liabilities 164,054 164,054 720
Long-term Liabilities 0 0 0
Net Assets 164,054 164,054 720
Share Capital & Reserves
Share Cap 36,650 36,650 34,000
Profit & Loss Reserves -343,746 -343,746 -480,580
Other Reserves 471,150 471,150 447,300
Shareholders Funds 164,054 164,054 720
Common Size Financial Analysis Unlock full report
Accounts Date 31-Dec-2024 31-Dec-2011 31-Dec-2010
Tangible Fixed Assets - - -
Fixed Assets 4.6% 4.6% 11.6%
Stocks Inventory 0.0% 0.0% 0.0%
Debtors 95.4% 95.4% 88.3%
Cash Bank In Hand 0.0% 0.0% 0.0%
Current Assets 95.4% 95.4% 88.4%
Creditors Due Within One Year 76.8% 76.8% 99.8%
Net Current Assets Liabilities 18.6% 18.6% -11.5%
Creditors Due After One Year 0.0% 0.0% 0.0%
Accruals Deferred Income - - -
Provisions For Liabilities Charges - - -
Net Assets Liabilities Including Pension Asset Liability 23.2% 23.2% 0.2%
Called Up Share Capital 5.2% 5.2% 7.8%
Share Capital Allotted Called Up Paid 5.2% 5.2% 7.8%
Profit Loss Account Reserve -48.7% -48.7% -110.7%
Shareholder Funds 23.2% 23.2% 0.2%
Capital Employed - - -
Total Assets Less Current Liabilities 23.2% 23.2% 0.2%
Financial Ratio Analysis Unlock full report
Accounts Date 31-Dec-2024 31-Dec-2011 31-Dec-2010
Liquidity Ratio 1.2 1.2 0.9
Solvency Ratio 1.3 1.3 1.0
Reserves to Assets -0.5 -0.5 -1.1
Secured Creditors Unlock full report
Mortgages Charges 6
Mortgages Outstanding 3
Mortgages Part Satisfied 0
Mortgages Satisfied 3
Assets and Debt Analysis Unlock full report
Accounts Date 31-Dec-2024 31-Dec-2011 31-Dec-2010
Assets 706,416 706,416 434,206
Debt 542,362 542,362 433,486
Net Assets/Debt 164,054 164,054 720

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 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 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 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
Other Business around ME19 4UA
KEYSTONE COMMERCIAL MORTGAGES LIMITED
42 KINGS HILL AVENUE, KINGS HILL, WEST MALLING, ME19 4UA
CABOT FINANCIAL (INTERNATIONAL) LIMITED
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CABOT FINANCIAL (UK) LIMITED
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THE LIME TREE COMPANY (SUSSEX) LIMITED
23 Kings Hill Avenue, Kings Hill, West Malling, Kent, ME19 4UA
CABOT FINANCIAL HOLDINGS GROUP LIMITED
1 KINGS HILL AVENUE, KINGS HILL, WEST MALLING, KENT, ME19 4UA
KEYSTONE BUY TO LET MORTGAGES LIMITED
17 Kings Hill Avenue, Kings Hill, West Malling, Kent, ME19 4UA
SUSSEX HELICOPTERS LIMITED
26 Kings Hill Avenue, Kings Hill, West Malling, Kent, ME19 4UA
PBG TRUSTEES LIMITED
42 KINGS HILL AVENUE, KINGS HILL, WEST MALLING, ME19 4UA
WHEN FRESH LTD
20-22 WENLOCK ROAD, LONDON, ME19 4UA
ORBIT CREDIT SERVICES LTD
1 KINGS HILL AVENUE, KINGS HILL, WEST MALLING, ME19 4UA
Document Filings
Director's details changed for Mr Simon William Whittaker on 16 March 2026
Confirmation statement made on 6 December 2025 with no updates
Director's details changed for Mr Simon William Whittaker on 17 October 2025
Registered office address changed from 17 Kings Hill Avenue Kings Hill West Malling ME19 4UA England to 42 Kings Hill Avenue Kings Hill West Malling ME19 4AJ on 17 October 2025
Confirmation statement made on 6 December 2024 with no updates
Director's details changed for Mr David Christopher Whittaker on 30 September 2024
Registered office address changed from C/O Simon Whittaker 17 Kings Hill Avenue Kings Hill West Malling Kent ME19 4UA England to 17 Kings Hill Avenue Kings Hill West Malling ME19 4UA on 30 September 2024
Consolidated accounts of parent company for subsidiary company period ending 31/12/23
Audit exemption statement of guarantee by parent company for period ending 31/12/23
Notice of agreement to exemption from audit of accounts for period ending 31/12/23
Certificate of change of name
Confirmation statement made on 6 December 2023 with no updates
Appointment of Joanne Anderson as a director on 24 October 2023
Consolidated accounts of parent company for subsidiary company period ending 31/12/22
Audit exemption statement of guarantee by parent company for period ending 31/12/22
Notice of agreement to exemption from audit of accounts for period ending 31/12/22
Confirmation statement made on 6 December 2022 with no updates
Appointment of Elyse O'sheen as a secretary on 1 January 2022
Termination of appointment of Simon William Whittaker as a secretary on 1 January 2022
Confirmation statement made on 9 December 2021 with no updates
Auditor's resignation
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