Company Overview
Secure Mortgages And Protection Ltd is listed at the official companies registry as Active Private Limited Company. The company was incorporated on Monday 22 July 2019. Secure Mortgages And Protection Ltd has been in business for 6 years and 8 months. The accounts status is total exemption full and the accounts are next due on Thursday 30 April 2026.
Registered Address

C/O Donoghue & Co. Ltd, 19A Wellside Place, Falkirk, FK1 5RL
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Companies House Data
Company NameSECURE MORTGAGES AND PROTECTION LTD
Company NumberSC636756
Registered Office AddressC/O Donoghue & Co. Ltd
 19a Wellside Place
 FK1 5RL
Company CategoryPrivate Limited Company
Company StatusActive
Country of OriginUnited Kingdom
Incorporation Date22/07/2019
Accounting Reference Date Day31
Accounting Reference Date Month7
Accounts Next Due Date30/04/2027
Accounts Last Made Up Date31/07/2025
Accounts Account CategoryTOTAL EXEMPTION FULL
Returns Next Due Date19/08/2020
Previous Company NameChanged Date
GREYFRIARS ESTATE PLANNING LTD29 Jun 2022
Directors & Members
Show Resigned
Luis Aveiro - Director
(Ugandan, 37 years old, born September 1989)
Appointed 14 January 2026
 Active
Jyoti Patel - Director
(British, 42 years old, born October 1984)
Appointed 29 September 2025
 Active
Secretaries
No Secretaries Appointed
Other Company Directorships
Luis Aveiro
No companies found
Jyoti Patel
No companies found
Balance Sheet Unlock full report
Accounts Date 31-Jul-2025 31-Jul-2023 31-Jul-2022
Balance Sheet
Fixed Assets 2,501 2,501 0
Current Assets 63,161 63,161 10,397
Creditors Due Within One Year 124,141 124,141 21,938
Working Cap -60,980 -60,980 -11,541
Total Assets Less Current Liabilities -58,479 -58,479 -11,541
Long-term Liabilities 59,679 59,679 12,741
Net Assets 1,200 1,200 1,200
Share Capital & Reserves
Share Cap - - -
Profit & Loss Reserves - - -
Other Reserves - - -
Shareholders Funds 1,200 1,200 1,200
Common Size Financial Analysis Unlock full report
Accounts Date 31-Jul-2025 31-Jul-2023 31-Jul-2022
Tangible Fixed Assets - - -
Fixed Assets 3.8% 3.8% 0.0%
Stocks Inventory - - -
Debtors 15.2% 15.2% -
Cash Bank In Hand 81.0% 81.0% 100.0%
Current Assets 96.2% 96.2% 100.0%
Creditors Due Within One Year 189.1% 189.1% 211.0%
Net Current Assets Liabilities -92.9% -92.9% -111.0%
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 1.8% 1.8% 11.5%
Capital Employed - - -
Total Assets Less Current Liabilities -89.1% -89.1% -111.0%
Financial Ratio Analysis Unlock full report
Accounts Date 31-Jul-2025 31-Jul-2023 31-Jul-2022
Liquidity Ratio 0.5 0.5 0.5
Solvency Ratio 1.0 1.0 1.1
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-Jul-2025 31-Jul-2023 31-Jul-2022
Assets 65,662 65,662 10,397
Debt 64,462 64,462 9,197
Net Assets/Debt 1,200 1,200 1,200

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 balance sheet presents modest 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.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 balance sheet presents modest 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.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 balance sheet presents modest 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
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Document Filings
Confirmation statement made on 2 February 2026 with no updates
Appointment of Mr Luis Riano Aveiro as a director on 14 January 2026
Appointment of Mrs Jyoti Ramji Patel as a director on 29 September 2025
Termination of appointment of Josh Taylor as a director on 12 September 2025
Termination of appointment of James Wallace Green as a director on 17 April 2025
Confirmation statement made on 2 February 2025 with no updates
Termination of appointment of William Russell Thomson as a director on 19 March 2024
Appointment of Mr Josh Taylor as a director on 19 March 2024
Director's details changed for Mr James Wallace Green on 11 February 2024
Confirmation statement made on 2 February 2024 with no updates
Confirmation statement made on 2 February 2023 with no updates
Appointment of Mr James Green as a director on 31 October 2022
Certificate of change of name
Termination of appointment of Mark James Mcgoran as a director on 6 May 2022
Appointment of Mr William Russell Thomson as a director on 3 May 2022
Termination of appointment of William Russell Thomson as a director on 1 May 2022
Appointment of Mr Mark James Mcgoran as a director on 1 May 2022
Confirmation statement made on 4 February 2022 with no updates
Confirmation statement made on 4 February 2021 with updates
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