Company Overview
Independent Mortgage Associates (Property) Limited is listed at the official companies registry as Active Private Limited Company. The company was incorporated on Wednesday 19 June 2013, so this is a well established company. Independent Mortgage Associates (Property) Limited has been in business for 12 years and 9 months. The accounts status is total exemption full and the accounts are next due on Tuesday 30 June 2026.
Registered Address

20-22 High Street, Hemel Hempstead, HP1 3AE
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Companies House Data
Company NameINDEPENDENT MORTGAGE ASSOCIATES (PROPERTY) LIMITED
Company Number08575713
Registered Office Address20-22 High Street
 HP1 3AE
Company CategoryPrivate Limited Company
Company StatusActive
Country of OriginUnited Kingdom
Incorporation Date19/06/2013
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 Date08/09/2016
Returns Last Made Up Date11/08/2015
Previous Company NameChanged Date
INDEPENDENT MORTGAGE ADVICE BUREAU (BERKHAMSTED) LIMITED17 Apr 2014
Directors & Members
Sam Wade - Director
(British, 58 years old, born July 1968)
Appointed 19 June 2013
 Active
Liane Wade - Director
(British, 57 years old, born August 1969)
Appointed 19 June 2013
 Active
Secretaries
No Secretaries Appointed
Other Company Directorships
Sam Wade
IMA (MORTGAGES) LIMITED
IMA (PROPERTY) MANAGEMENT COMPANY LIMITED
IMA FINANCIAL LTD
IMA MORTGAGES & PROTECTION LTD
Liane Wade
12 THE CRESCENT PROPERTY MANAGEMENT LIMITED
IMA (MORTGAGES) LIMITED
IMA (PROPERTY) MANAGEMENT COMPANY LIMITED
IMA FINANCIAL LTD
IMA MORTGAGES & PROTECTION LTD
Balance Sheet Unlock full report
Accounts Date 30-Sep-2025 30-Sep-2022 30-Sep-2021
Balance Sheet
Fixed Assets 1,231,050 1,231,050 1,231,050
Current Assets 78,793 78,793 10,730
Creditors Due Within One Year 639,878 639,878 726,978
Working Cap -561,085 -561,085 -716,248
Total Assets Less Current Liabilities 669,965 669,965 514,802
Long-term Liabilities 408,909 408,909 251,036
Net Assets 261,056 261,056 263,766
Share Capital & Reserves
Share Cap - - -
Profit & Loss Reserves - - -
Other Reserves - - -
Shareholders Funds 261,056 261,056 263,766
Common Size Financial Analysis Unlock full report
Accounts Date 30-Sep-2025 30-Sep-2022 30-Sep-2021
Tangible Fixed Assets - - -
Fixed Assets 94.0% 94.0% 99.1%
Stocks Inventory - - -
Debtors - - -
Cash Bank In Hand 6.0% 6.0% 0.9%
Current Assets 6.0% 6.0% 0.9%
Creditors Due Within One Year 48.9% 48.9% 58.5%
Net Current Assets Liabilities -42.8% -42.8% -57.7%
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 19.9% 19.9% 21.2%
Capital Employed - - -
Total Assets Less Current Liabilities 51.1% 51.1% 41.5%
Financial Ratio Analysis Unlock full report
Accounts Date 30-Sep-2025 30-Sep-2022 30-Sep-2021
Liquidity Ratio 0.1 0.1 0.0
Solvency Ratio 1.2 1.2 1.3
Reserves to Assets - - -
Secured Creditors Unlock full report
Mortgages Charges 3
Mortgages Outstanding 3
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 1,309,843 1,309,843 1,241,780
Debt 1,048,787 1,048,787 978,014
Net Assets/Debt 261,056 261,056 263,766

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.

Current debt exceeded short term liquid assets as at the balance sheet date. We would normally view this in the context of other profitability and solvency indicators. Total reserves including retained profitability and movement in reserves has some deficiency. 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.Current debt exceeded short term liquid assets as at the balance sheet date. We would normally view this in the context of other profitability and solvency indicators. Total reserves including retained profitability and movement in reserves has some deficiency. 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.Current debt exceeded short term liquid assets as at the balance sheet date. We would normally view this in the context of other profitability and solvency indicators. Total reserves including retained profitability and movement in reserves has some deficiency. 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 HP1 3AE
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30-32 HIGH STREET, HEMEL HEMPSTEAD, HERTFORDSHIRE, HP1 3AE
IMA MORTGAGES & PROTECTION LTD
20-22 HIGH STREET, OLD TOWN, HEMEL HEMPSTEAD, HP1 3AE
KEBABCIK LTD
16 High Street, Hemel Hempstead, Hertfordshire, HP1 3AE
BEAUTIQUE HOME & INTERIORS LIMITED
42 High Street, Old Town, Hemel Hempstead, Hertfordshire, HP1 3AE
AGE UK DACORUM
Half Moon Yard, High Street, Hemel Hempstead, Hertfordshire, HP1 3AE
IMA (MORTGAGES) LIMITED
20-22 High Street, Old Town, Hemel Hempstead, HP1 3AE
HEMEL HEMPSTEAD DAY CENTRE LIMITED(THE)
THE DAY CENTRE FOR THE ELDERLY, HALF MOON YARD HIGH ST, HEMEL HEMPSTEAD, HERTS, HP1 3AE
IMA (PROPERTY) MANAGEMENT COMPANY LIMITED
20-22 HIGH STREET, HEMEL HEMPSTEAD, HP1 3AE
HEMEL SUPERSTORE LIMITED
24-26 High Street, Hemel Hempstead, HP1 3AE
ABBELLE LIMITED
C/O Northpoint Cobalt Business Exchange, Cobalt Park Way, Wallsend, Newcastle Upon Tyne, HP1 3AE
Document Filings
Confirmation statement made on 11 August 2025 with no updates
Confirmation statement made on 11 August 2024 with no updates
Confirmation statement made on 11 August 2023 with no updates
Confirmation statement made on 11 August 2022 with no updates
Registration of charge 085757130003, created on 3 August 2022
Confirmation statement made on 11 August 2021 with no updates
Confirmation statement made on 11 August 2020 with no updates
Confirmation statement made on 11 August 2019 with no updates
Confirmation statement made on 11 August 2018 with no updates
Confirmation statement made on 11 August 2017 with no updates
Registered office address changed from The Granary 234a High Street Berkhamsted Herts HP4 1AG to 20-22 High Street Hemel Hempstead HP1 3AE on 5 September 2017
Confirmation statement made on 11 August 2016 with updates
Current accounting period extended from 31 August 2015 to 30 September 2015
Previous accounting period shortened from 30 June 2016 to 31 August 2015
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