Company Overview
Your Expert Mortgage & Protection Ltd is listed at the official companies registry as Active Private Limited Company. The company was incorporated on Monday 14 September 2020. Your Expert Mortgage & Protection Ltd has been in business for 5 years and 7 months. The accounts status is micro entity and the accounts are next due on Wednesday 30 September 2026.
Registered Address

89 West Regent Street, Glasgow, G2 2BA
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Companies House Data
Company NameYOUR EXPERT MORTGAGE & PROTECTION LTD
Company NumberSC674157
Registered Office Address89 West Regent Street
 G2 2BA
Company CategoryPrivate Limited Company
Company StatusActive
Country of OriginUnited Kingdom
Incorporation Date14/09/2020
Accounting Reference Date Day31
Accounting Reference Date Month12
Accounts Next Due Date30/09/2026
Accounts Last Made Up Date31/12/2024
Accounts Account CategoryMICRO ENTITY
Returns Next Due Date12/10/2021
Previous Company NameChanged Date
YOUR EXPERT MORTGAGE AND PROTECT LIMITED05 May 2022
BENTINCK GRANGE LIMITED24 Feb 2021
Directors & Members
Show Resigned
Derek McPhail - Director
(British, 42 years old, born May 1984)
Appointed 15 November 2023
 Active
Secretaries
Show Resigned
Other Company Directorships
Derek McPhail
3MI GROUP LTD
APTARE ADVISORY LTD
BDP (2019) LTD
BUCHANAN SUPPORT SERVICES LLP
CARRINGTON DEAN GROUP LIMITED
CARRINGTON DEAN NUMBER 2 LIMITED
CLARIO STRATEGIC PARTNERS LIMITED
COUNCIL TAX EXPERT CIC
ERSKINE PARK LIMITED
INITIUM INVESTMENTS LIMITED
INITIUM PROPERTIES LIMITED
NGL (SCOTLAND) LTD
REGENT EXECUTRY SERVICES LIMITED
SECURITAS PROPERTIES LIMITED
VERITAS PROPERTY FINANCE LIMITED
VOICEKEY LIMITED
YEG NO 2 LIMITED
YEGC LIMITED
YOUR EXPERT GROUP (HOLDINGS) LTD
YOUR EXPERT GROUP HOLDINGS LTD
YOUR EXPERT WILLS LTD
Balance Sheet Unlock full report
Accounts Date 31-Dec-2024 31-Dec-2022 31-Dec-2021
Balance Sheet
Fixed Assets -2 -2 2
Current Assets 5,136 5,136 0
Creditors Due Within One Year -93,827 -93,827 0
Working Cap 98,963 98,963 0
Total Assets Less Current Liabilities 98,961 98,961 2
Long-term Liabilities 188,700 188,700 0
Net Assets 100,007 100,007 2
Share Capital & Reserves
Share Cap - - -
Profit & Loss Reserves - - -
Other Reserves - - -
Shareholders Funds 100,007 100,007 2
Common Size Financial Analysis Unlock full report
Accounts Date 31-Dec-2024 31-Dec-2022 31-Dec-2021
Tangible Fixed Assets - - -
Fixed Assets 0.0% 0.0% 100.0%
Stocks Inventory - - -
Debtors - - -
Cash Bank In Hand - - 100.0%
Current Assets 100.0% 100.0% 0.0%
Creditors Due Within One Year -1827.6% -1827.6% 0.0%
Net Current Assets Liabilities 1927.6% 1927.6% 0.0%
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 1947.9% 1947.9% 100.0%
Capital Employed - - -
Total Assets Less Current Liabilities 1927.6% 1927.6% 100.0%
Financial Ratio Analysis Unlock full report
Accounts Date 31-Dec-2024 31-Dec-2022 31-Dec-2021
Liquidity Ratio -0.1 -0.1 0.0
Solvency Ratio 0.1 0.1 ∞
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-Dec-2024 31-Dec-2022 31-Dec-2021
Assets 5,134 5,134 2
Debt 94,873 94,873 0
Net Assets/Debt 100,007 100,007 2

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 appeared positive. We would normally view a company positively for this.

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 appeared positive. We would normally view a company positively for this.   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 appeared positive. We would normally view a company positively for this.

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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YOUR EXPERT GROUP (HOLDINGS) LTD
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Document Filings
Confirmation statement made on 14 February 2026 with updates
Confirmation statement made on 14 February 2025 with no updates
Change of details for Secure Financial Management Ltd as a person with significant control on 1 December 2024
Confirmation statement made on 14 February 2024 with updates
Notification of Secure Financial Management Ltd as a person with significant control on 1 February 2024
Cessation of Your Expert Group (Holdings) Ltd as a person with significant control on 1 February 2024
Termination of appointment of Gary Dickson as a director on 7 December 2023
Compulsory strike-off action has been discontinued
First Gazette notice for compulsory strike-off
Appointment of Mr Derek Peter Mcphail as a director on 15 November 2023
Confirmation statement made on 25 February 2023 with no updates
Certificate of change of name
Confirmation statement made on 25 February 2022 with no updates
Second filing for the notification of Your Expert Group (Holdings) Ltd as a person with significant control
Confirmation statement made on 25 February 2021 with updates
Current accounting period extended from 30 September 2021 to 31 December 2021
Registered office address changed from 26 Bentinck Grange East Kilbride Glasgow G74 5PL Scotland to 89 West Regent Street Glasgow G2 2BA on 25 February 2021
Resolutions
Cessation of Gary Dickson as a person with significant control on 1 February 2021
Notification of Your Expert Group (Holdings) Ltd as a person with significant control on 1 February 2021
Termination of appointment of Amanda-Jayne Dickson as a secretary on 1 February 2021
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