WEST BROMWICH MORTGAGE COMPANY LIMITED Credit Check Report

Company Overview

West Bromwich Mortgage Company Limited is listed at the official companies registry as Active Private Limited Company. The company was incorporated on Friday 11 December 1992, so this is a well established company. West Bromwich Mortgage Company Limited has been in business for 33 years and 4 months. The accounts status is full and the accounts are next due on Thursday 31 December 2026.

Registered Address

2 Providence Place, West Bromwich, B70 8AF

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Companies House Data

Company Name	WEST BROMWICH MORTGAGE COMPANY LIMITED
Company Number	02773114
Registered Office Address	2 Providence Place
	B70 8AF
Company Category	Private Limited Company
Company Status	Active
Country of Origin	United Kingdom
Incorporation Date	11/12/1992
Accounting Reference Date Day	31
Accounting Reference Date Month	3
Accounts Next Due Date	31/12/2026
Accounts Last Made Up Date	31/03/2025
Accounts Account Category	FULL
Returns Next Due Date	08/01/2017
Returns Last Made Up Date	11/12/2015

Directors & Members

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	John Baker - Director (English, 94 years old, born May 1932) Appointed 11 December 1992, Resigned 25 September 1995	Resigned
	Martin Boyle - Director (British, 56 years old, born October 1970) Appointed 04 April 2023	Active
	Michael Brown - Director (British, 82 years old, born April 1944) Appointed 11 December 1992, Resigned 01 August 1995	Resigned
	Samuel Ceney - Director (British, 94 years old, born January 1932) Appointed 11 December 1992, Resigned 01 August 1995	Resigned
	Andrew Conroy - Director (British, 51 years old, born December 1975) Appointed 24 June 2013, Resigned 24 July 2014	Resigned
	Gary Cowdrill - Director (British, 71 years old, born December 1955) Appointed 30 September 1998, Resigned 21 April 2004	Resigned
	Peter Davies - Director (British, 79 years old, born April 1947) Appointed 20 July 2004, Resigned 28 May 2010	Resigned
	Raymond Dickinson - Director (British, 91 years old, born April 1935) Appointed 11 December 1992, Resigned 01 August 1995	Resigned
	Anthony Dubberley - Director (British, 70 years old, born January 1956) Appointed 08 August 2002, Resigned 20 July 2004	Resigned
	Glenn Elliot - Director (British, 78 years old, born April 1948) Appointed 11 December 1992, Resigned 01 August 1995	Resigned
	Paul Field - Director (British, 64 years old, born April 1962) Appointed 20 July 2004, Resigned 17 April 2014	Resigned
	David Johnston - Director (British, 67 years old, born January 1959) Appointed 08 August 2002, Resigned 20 July 2004	Resigned
	Simon Kingdon - Director (British, 70 years old, born April 1956) Appointed 29 February 1996, Resigned 30 November 1997	Resigned
	Phillip Lee - Director (British, 71 years old, born May 1955) Appointed 15 June 1998, Resigned 08 August 2002	Resigned
	Thomas Lynch - Director (British, 63 years old, born March 1963) Appointed 08 August 2002, Resigned 02 January 2020	Resigned
	David MacKay - Director (British, 75 years old, born April 1951) Appointed 20 July 2004, Resigned 03 October 2006	Resigned
	Paul Marland - Director (British, 65 years old, born February 1961) Appointed 15 February 2007, Resigned 11 April 2007	Resigned
	Andrew Messenger - Director (British, 75 years old, born February 1951) Appointed 01 August 1995, Resigned 08 August 2002	Resigned
	Alexander Pawley - Director (British, 44 years old, born September 1982) Appointed 02 January 2020	Active
	Mahomed Piranie - Director (British, 63 years old, born April 1963) Appointed 31 March 2017, Resigned 31 December 2022	Resigned
	John Price - Director (British, 93 years old, born January 1933) Appointed 11 December 1992, Resigned 01 August 1995	Resigned
	John Sayers - Director (British, 87 years old, born July 1939) Appointed 25 January 1995, Resigned 01 August 1995	Resigned
	Stephen Smart - Director (British, 66 years old, born October 1960) Appointed 17 April 2014, Resigned 04 May 2017	Resigned
	Roger Smith - Director (British, 66 years old, born February 1960) Appointed 10 February 2003, Resigned 16 April 2009	Resigned
	Peter Southcott - Director (British, 70 years old, born July 1956) Appointed 12 September 2011, Resigned 31 March 2013	Resigned
	John Spittle - Director (British, 93 years old, born May 1933) Appointed 11 December 1992, Resigned 22 July 1998	Resigned
	Jonathan Westhoff - Director (British, 62 years old, born July 1964) Appointed 31 March 2017	Active

Secretaries

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	Susan Bartleet-Cross - Secretary (Other) Appointed 29 April 2009, Resigned 28 November 2012	Resigned
	Peter Davies - Secretary (British) Appointed 20 July 2004, Resigned 19 October 2004	Resigned
	James Ferris - Secretary (British) Appointed 19 October 2004, Resigned 13 March 2006	Resigned
	Stephen Karle - Secretary (British) Appointed 01 August 1995, Resigned 20 July 2004	Resigned
	Ajwinder Mann - Secretary Appointed 28 November 2012, Resigned 30 May 2019	Resigned
	Sarah Pennells - Secretary Appointed 06 June 2019	Active
	John Price - Secretary (British) Appointed 11 December 1992, Resigned 01 August 1995	Resigned
	Simon Welch - Secretary (British) Appointed 13 March 2006, Resigned 20 February 2009	Resigned

Other Company Directorships

Martin Boyle
INSIGNIA FINANCE LIMITED
WHITE LABEL LENDING LIMITED

Alexander Pawley
INSIGNIA FINANCE LIMITED
WHITE LABEL LENDING LIMITED

Jonathan Westhoff
INSIGNIA FINANCE LIMITED
LIVV HOMES LIMITED
LIVV MAINTENANCE LIMITED
WEST BROMWICH BUILDING SOCIETY FOUNDATION
WHITE LABEL LENDING LIMITED

Balance Sheet

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Common Size Financial Analysis

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Secured Creditors

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Public Record Information

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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

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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

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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

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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

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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)

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

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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

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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 B70 8AF

	INSIGNIA FINANCE LIMITED 2 PROVIDENCE PLACE, WEST BROMWICH, B70 8AF
	WHITE LABEL LENDING LIMITED 2 PROVIDENCE PLACE, WEST BROMWICH, B70 8AF
	WEST BROMWICH HOMES LIMITED 2 PROVIDENCE PLACE, WEST BROMWICH, B70 8AF
	WBBS (SRS) LIMITED 2 PROVIDENCE PLACE, WEST BROMWICH, B70 8AF
	CL MORTGAGES LIMITED 2 Providence Place, West Bromwich, B70 8AF
	CENTRAL PROCESSING LIMITED 2 Providence Place, West Bromwich, B70 8AF
	WEST BROMWICH COMMERCIAL LIMITED 2 PROVIDENCE PLACE, WEST BROMWICH, B70 8AF

Document Filings

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