Company Overview
Financial & Mortgage Planning Associates Ltd. is listed at the official companies registry as Active Private Limited Company. The company was incorporated on Friday 23 June 2006, so this is a well established company. Financial & Mortgage Planning Associates Ltd. has been in business for 19 years and 9 months. The accounts status is total exemption full and the accounts are next due on Tuesday 30 June 2026.
Registered Address

15 Kenneth Gardens, Stanmore, HA7 3SA
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Companies House Data
Company NameFINANCIAL & MORTGAGE PLANNING ASSOCIATES LTD.
Company Number05856859
Registered Office Address15 Kenneth Gardens
 HA7 3SA
Company CategoryPrivate Limited Company
Company StatusActive
Country of OriginUnited Kingdom
Incorporation Date23/06/2006
Accounting Reference Date Day30
Accounting Reference Date Month9
Accounts Next Due Date30/06/2027
Accounts Last Made Up Date30/09/2025
Accounts Account CategoryTOTAL EXEMPTION FULL
Returns Next Due Date21/07/2017
Returns Last Made Up Date23/06/2016
Directors & Members
Show Resigned
Najmudean Bhaiji - Director
(British, 84 years old, born July 1942)
Appointed 23 June 2006
 Active
Nafisabai Bhaiji - Director
(British, 74 years old, born January 1952)
Appointed 30 November 2021
 Active
Secretaries
Show Resigned
Other Company Directorships
Najmudean Bhaiji
CRADLEY HEATH DEVELOPMENT LIMITED
CRADLEY HEATH MARKET SQUARE LIMITED
UNIBASE BUILDING LIMITED
Nafisabai Bhaiji
No companies found
Balance Sheet Unlock full report
Accounts Date 30-Sep-2025 30-Sep-2022 30-Sep-2021
Balance Sheet
Fixed Assets 1,408 1,408 3,012
Current Assets 62,839 62,839 70,303
Creditors Due Within One Year 11,628 11,628 10,539
Working Cap 51,211 51,211 59,764
Total Assets Less Current Liabilities 52,619 52,619 62,776
Long-term Liabilities 900 900 8,625
Net Assets 51,719 51,719 54,151
Share Capital & Reserves
Share Cap - - -
Profit & Loss Reserves - - -
Other Reserves - - -
Shareholders Funds 51,719 51,719 54,151
Common Size Financial Analysis Unlock full report
Accounts Date 30-Sep-2025 30-Sep-2022 30-Sep-2021
Tangible Fixed Assets - - -
Fixed Assets 2.2% 2.2% 4.1%
Stocks Inventory - - -
Debtors - - -
Cash Bank In Hand - - -
Current Assets 97.8% 97.8% 95.9%
Creditors Due Within One Year 18.1% 18.1% 14.4%
Net Current Assets Liabilities 79.7% 79.7% 81.5%
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 80.5% 80.5% 73.9%
Capital Employed - - -
Total Assets Less Current Liabilities 81.9% 81.9% 85.6%
Financial Ratio Analysis Unlock full report
Accounts Date 30-Sep-2025 30-Sep-2022 30-Sep-2021
Liquidity Ratio 5.4 5.4 6.7
Solvency Ratio 5.1 5.1 3.8
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 30-Sep-2025 30-Sep-2022 30-Sep-2021
Assets 64,247 64,247 73,315
Debt 12,528 12,528 19,164
Net Assets/Debt 51,719 51,719 54,151

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
Confirmation statement made on 9 December 2025 with no updates
Change of details for Mr Najmudean Fakrudin Bhaiji as a person with significant control on 21 November 2025
Change of details for Mr Najmudean Fakrudin Bhaiji as a person with significant control on 12 November 2025
Director's details changed for Mrs Nafisabai Bhaiji on 12 November 2025
Director's details changed for Mrs Nafisabai Bhaiji on 12 November 2025
Director's details changed for Mr Najmudean Fakrudin Bhaiji on 12 November 2025
Director's details changed for Mr Najmudean Fakrudin Bhaiji on 12 November 2025
Registered office address changed from 15 Kenneth Gardens Stanmore HA7 3SA England to 37 Langley Park London NW7 2AA on 12 November 2025
Confirmation statement made on 9 December 2024 with updates
Confirmation statement made on 9 December 2023 with no updates
Director's details changed for Mr Najmudean Fakrudin Bhaiji on 1 October 2017
Confirmation statement made on 9 December 2022 with no updates
Confirmation statement made on 9 December 2021 with no updates
Appointment of Mrs Nafisabai Bhaiji as a director on 30 November 2021
Confirmation statement made on 23 June 2021 with no updates
Termination of appointment of Nafisabai Bhaiji as a director on 1 March 2021
Appointment of Mrs Nafisabai Bhaiji as a director on 1 March 2021
Confirmation statement made on 23 June 2020 with no updates
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