Company Overview
More Than A Mortgage Company Ltd is listed at the official companies registry as Active Private Limited Company. The company was incorporated on Wednesday 01 June 2005, so this is a well established company. More Than A Mortgage Company Ltd has been in business for 20 years and 10 months. The accounts status is total exemption full and the accounts are next due on Monday 31 August 2026.
Registered Address

2A Damery Road, Bramhall, Stockport, SK7 2JZ
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Companies House Data
Company NameMORE THAN A MORTGAGE COMPANY LTD
Company Number05469043
Registered Office Address2a Damery Road
 Bramhall
 SK7 2JZ
Company CategoryPrivate Limited Company
Company StatusActive
Country of OriginUnited Kingdom
Incorporation Date01/06/2005
Accounting Reference Date Day30
Accounting Reference Date Month11
Accounts Next Due Date31/08/2026
Accounts Last Made Up Date30/11/2024
Accounts Account CategoryTOTAL EXEMPTION FULL
Returns Next Due Date29/06/2017
Returns Last Made Up Date01/06/2016
Directors & Members
Show Resigned
Paul Verrall - Director
(British, 76 years old, born April 1950)
Appointed 08 August 2023
 Active
Secretaries
Show Resigned
Other Company Directorships
Paul Verrall
No companies found
Balance Sheet Unlock full report
Accounts Date 30-Nov-2024 30-Nov-2022 30-Nov-2021
Balance Sheet
Fixed Assets 301 301 36
Current Assets 8,418 8,418 173,434
Creditors Due Within One Year 6,695 6,695 12,566
Working Cap 1,723 1,723 160,868
Total Assets Less Current Liabilities 2,024 2,024 160,904
Long-term Liabilities 1,924 1,924 160,804
Net Assets 100 100 100
Share Capital & Reserves
Share Cap - - -
Profit & Loss Reserves - - -
Other Reserves - - -
Shareholders Funds 100 100 100
Common Size Financial Analysis Unlock full report
Accounts Date 30-Nov-2024 30-Nov-2022 30-Nov-2021
Tangible Fixed Assets - - -
Fixed Assets 3.5% 3.5% 0.0%
Stocks Inventory - - -
Debtors - - -
Cash Bank In Hand 96.5% 96.5% 100.0%
Current Assets 96.5% 96.5% 100.0%
Creditors Due Within One Year 76.8% 76.8% 7.2%
Net Current Assets Liabilities 19.8% 19.8% 92.7%
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 1.1% 1.1% 0.1%
Capital Employed - - -
Total Assets Less Current Liabilities 23.2% 23.2% 92.8%
Financial Ratio Analysis Unlock full report
Accounts Date 30-Nov-2024 30-Nov-2022 30-Nov-2021
Liquidity Ratio 1.3 1.3 13.8
Solvency Ratio 1.0 1.0 1.0
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 30-Nov-2024 30-Nov-2022 30-Nov-2021
Assets 8,719 8,719 173,470
Debt 8,619 8,619 173,370
Net Assets/Debt 100 100 100

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 has some deficiency. The balance sheet displays a very modest amount of net assets. For the size of the company as inferred by the balance sheet the amount of net assets represents a slender margin of cover over 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 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 has some deficiency. The balance sheet displays a very modest amount of net assets. For the size of the company as inferred by the balance sheet the amount of net assets represents a slender margin of cover over 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 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 has some deficiency. The balance sheet displays a very modest amount of net assets. For the size of the company as inferred by the balance sheet the amount of net assets represents a slender margin of cover over 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
Other Business around SK7 2JZ
No other companies found in the same location
Document Filings
Confirmation statement made on 15 April 2025 with no updates
Confirmation statement made on 15 April 2024 with updates
Notification of Paul Verrall as a person with significant control on 9 August 2023
Cessation of Alex Blythin Ltd as a person with significant control on 9 August 2023
Termination of appointment of Alex Pierce Blythin as a director on 8 August 2023
Registered office address changed from 5 Brantwood Road Cheadle Hulme Cheadle SK8 6ET England to 2a Damery Road Bramhall Stockport SK7 2JZ on 8 August 2023
Appointment of Paul Verrall as a director on 8 August 2023
Confirmation statement made on 6 May 2023 with no updates
Confirmation statement made on 6 May 2022 with updates
Previous accounting period extended from 30 June 2021 to 30 November 2021
Registered office address changed from Vernon House I Hulme Hall Hulme Hall Close Cheadle Hulme SK8 6LH SK8 6LH to 5 Brantwood Road Cheadle Hulme Cheadle SK8 6ET on 10 December 2021
Termination of appointment of Claire Flanders as a secretary on 30 November 2021
Termination of appointment of Kathleen Flanders as a director on 30 November 2021
Notification of Alex Blythin Ltd as a person with significant control on 30 November 2021
Cessation of Kathleen Flanders as a person with significant control on 30 November 2021
Appointment of Mr Alex Pierce Blythin as a director on 30 November 2021
Confirmation statement made on 1 June 2021 with no updates
Confirmation statement made on 1 June 2020 with no updates
Confirmation statement made on 1 June 2019 with no updates
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