Company Overview
S Y Mortgage Services Limited is listed at the official companies registry as Active Private Limited Company. The company was incorporated on Tuesday 22 September 2015, so this is a well established company. S Y Mortgage Services Limited has been in business for 10 years and 6 months. The accounts status is total exemption full and the accounts are next due on Thursday 31 December 2026.
Registered Address

17 Glenhurst Road, Southend On Sea, Essex, SS2 5DR
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Companies House Data
Company NameS Y MORTGAGE SERVICES LIMITED
Company Number09789013
Registered Office Address17 Glenhurst Road
 SS2 5DR
Company CategoryPrivate Limited Company
Company StatusActive
Country of OriginUnited Kingdom
Incorporation Date22/09/2015
Accounting Reference Date Day31
Accounting Reference Date Month3
Accounts Next Due Date31/12/2026
Accounts Last Made Up Date31/03/2025
Accounts Account CategoryTOTAL EXEMPTION FULL
Returns Next Due Date20/10/2016
Directors & Members
Sarah Yeates - Director
(British, 38 years old, born November 1988)
Appointed 22 September 2015
 Active
Secretaries
No Secretaries Appointed
Other Company Directorships
Sarah Yeates
No companies found
Balance Sheet Unlock full report
Accounts Date 31-Mar-2025 31-Mar-2023 31-Mar-2022
Balance Sheet
Fixed Assets 978 978 488
Current Assets 48,877 48,877 38,606
Creditors Due Within One Year 15,168 15,168 9,796
Working Cap 33,709 33,709 28,810
Total Assets Less Current Liabilities 34,687 34,687 29,298
Long-term Liabilities 16,325 16,325 0
Net Assets 18,362 18,362 29,298
Share Capital & Reserves
Share Cap - - -
Profit & Loss Reserves - - -
Other Reserves - - -
Shareholders Funds 18,362 18,362 29,298
Common Size Financial Analysis Unlock full report
Accounts Date 31-Mar-2025 31-Mar-2023 31-Mar-2022
Tangible Fixed Assets - - -
Fixed Assets 2.0% 2.0% 1.2%
Stocks Inventory - - -
Debtors - - 13.1%
Cash Bank In Hand 98.0% 98.0% 85.7%
Current Assets 98.0% 98.0% 98.8%
Creditors Due Within One Year 30.4% 30.4% 25.1%
Net Current Assets Liabilities 67.6% 67.6% 73.7%
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 36.8% 36.8% 74.9%
Capital Employed - - -
Total Assets Less Current Liabilities 69.6% 69.6% 74.9%
Financial Ratio Analysis Unlock full report
Accounts Date 31-Mar-2025 31-Mar-2023 31-Mar-2022
Liquidity Ratio 3.2 3.2 3.9
Solvency Ratio 1.6 1.6 4.0
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 31-Mar-2025 31-Mar-2023 31-Mar-2022
Assets 49,855 49,855 39,094
Debt 31,493 31,493 9,796
Net Assets/Debt 18,362 18,362 29,298

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
Other Business around SS2 5DR
No other companies found in the same location
Document Filings
Confirmation statement made on 7 July 2025 with updates
Confirmation statement made on 9 October 2024 with no updates
Confirmation statement made on 9 October 2023 with updates
Statement of capital following an allotment of shares on 1 October 2023
Confirmation statement made on 21 September 2023 with no updates
Confirmation statement made on 21 September 2022 with no updates
Confirmation statement made on 21 September 2021 with no updates
Registered office address changed from 21 Hamstel Road Southend-on-Sea SS2 4NF England to 17 Glenhurst Road Southend on Sea Essex SS2 5DR on 15 April 2021
Confirmation statement made on 21 September 2020 with no updates
Confirmation statement made on 21 September 2019 with no updates
Confirmation statement made on 21 September 2018 with no updates
Confirmation statement made on 21 September 2017 with no updates
Confirmation statement made on 21 September 2016 with updates
Previous accounting period shortened from 30 September 2016 to 31 March 2016
Registered office address changed from 457 Southchurch Road Southend on Sea Essex SS1 2PH United Kingdom to 21 Hamstel Road Southend-on-Sea SS2 4NF on 11 August 2016
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