Company Overview
Mortgage, Protection & Finance Ltd is listed at the official companies registry as Active Private Limited Company. The company was incorporated on Wednesday 22 October 2008, so this is a well established company. Mortgage, Protection & Finance Ltd has been in business for 17 years and 5 months. The accounts status is micro entity and the accounts are next due on Wednesday 31 March 2021.
Registered Address

208 Rodbourne Road, Swindon, Wiltshire, SN2 2AA
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Companies House Data
Company NameMORTGAGE, PROTECTION & FINANCE LTD
Company Number06730256
Registered Office Address208 Rodbourne Road
 SN2 2AA
Company CategoryPrivate Limited Company
Company StatusActive
Country of OriginUnited Kingdom
Incorporation Date22/10/2008
Accounting Reference Date Day31
Accounting Reference Date Month3
Accounts Next Due Date31/03/2021
Accounts Last Made Up Date31/03/2019
Accounts Account CategoryMICRO ENTITY
Returns Next Due Date27/07/2017
Returns Last Made Up Date29/06/2016
Directors & Members
Show Resigned
Fiaz Merali - Director
(British, 54 years old, born December 1972)
Appointed 22 October 2008
 Active
Secretaries
No Secretaries Appointed
Other Company Directorships
Fiaz Merali
ABBEY DEVELOPMENTS (UK) LIMITED
ABBEY FITNESS LTD
F.A.R GROUP LONDON LTD
FM MUSCLE LTD
GATEWAY FITNESS LTD
LMS PARTNERS LIMITED
MCLAREN FITNESS LTD
NEWINGTON BUTTS 247 LIMITED
PHYSEEK LEISURE LTD
PRIMARY FINANCIAL PLANNING LTD
SWINDON PROPERTY LTD
Balance Sheet Unlock full report
Accounts Date 31-Mar-2019 31-Mar-2018 31-Mar-2017
Balance Sheet
Fixed Assets 0 416 833
Current Assets 46,912 30,205 28,003
Creditors Due Within One Year 42,485 28,603 27,543
Working Cap 4,427 1,602 460
Total Assets Less Current Liabilities 4,427 2,018 1,293
Long-term Liabilities 0 0 840
Net Assets 4,427 2,018 453
Share Capital & Reserves
Share Cap - - -
Profit & Loss Reserves - - -
Other Reserves - - -
Shareholders Funds 4,427 2,018 453
Common Size Financial Analysis Unlock full report
Accounts Date 31-Mar-2019 31-Mar-2018 31-Mar-2017
Tangible Fixed Assets - - -
Fixed Assets 0.0% 1.4% 2.9%
Stocks Inventory - - -
Debtors - - -
Cash Bank In Hand - - -
Current Assets 100.0% 98.6% 97.1%
Creditors Due Within One Year 90.6% 93.4% 95.5%
Net Current Assets Liabilities 9.4% 5.2% 1.6%
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 9.4% 6.6% 1.6%
Capital Employed - - -
Total Assets Less Current Liabilities 9.4% 6.6% 4.5%
Financial Ratio Analysis Unlock full report
Accounts Date 31-Mar-2019 31-Mar-2018 31-Mar-2017
Liquidity Ratio 1.1 1.1 1.0
Solvency Ratio 1.1 1.1 1.0
Reserves to Assets - - -
Secured Creditors Unlock full report
Mortgages Charges 1
Mortgages Outstanding 1
Mortgages Part Satisfied 0
Mortgages Satisfied 0
Assets and Debt Analysis Unlock full report
Accounts Date 31-Mar-2019 31-Mar-2018 31-Mar-2017
Assets 46,912 30,621 28,836
Debt 42,485 28,603 28,383
Net Assets/Debt 4,427 2,018 453
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 balance sheet presents modest net assets. For the size of the company inferred by the balance sheet this level of net assets suggests total debts and obligations were moderately well covered. The latest accounts are not up-to-date. Later accounts are now overdue. Late filing is not a positive factor. Analysis based on the latest figures available must be taken in the context that the figures are not up-to-date.

Unlock 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 balance sheet presents modest net assets. For the size of the company inferred by the balance sheet this level of net assets suggests total debts and obligations were moderately well covered. The latest accounts are not up-to-date. Later accounts are now overdue. Late filing is not a positive factor. Analysis based on the latest figures available must be taken in the context that the figures are not up-to-date.   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 balance sheet presents modest net assets. For the size of the company inferred by the balance sheet this level of net assets suggests total debts and obligations were moderately well covered. The latest accounts are not up-to-date. Later accounts are now overdue. Late filing is not a positive factor. Analysis based on the latest figures available must be taken in the context that the figures are not up-to-date.

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
Order of court to wind up
Compulsory strike-off action has been suspended
First Gazette notice for compulsory strike-off
Compulsory strike-off action has been discontinued
First Gazette notice for compulsory strike-off
Compulsory strike-off action has been discontinued
Confirmation statement made on 29 June 2020 with no updates
Compulsory strike-off action has been suspended
First Gazette notice for compulsory strike-off
Confirmation statement made on 29 June 2019 with no updates
Compulsory strike-off action has been discontinued
Compulsory strike-off action has been suspended
First Gazette notice for compulsory strike-off
Notification of Fiaz Merali as a person with significant control on 6 November 2018
Confirmation statement made on 29 June 2018 with no updates
Compulsory strike-off action has been discontinued
First Gazette notice for compulsory strike-off
Confirmation statement made on 29 June 2017 with no updates
Annual return made up to 29 June 2016 with full list of shareholders
Annual return made up to 29 June 2015 with full list of shareholders
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