THE MORTGAGE BUSINESS PUBLIC LIMITED COMPANY
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Next accounts due
2026-06-30 (in 1mo)
Last filed for 2024-12-31
Confirmation statement due
2027-01-17 (in 8mo)
Last made up 2026-01-03
Watchouts
None on the register
Cash
£19M
-74.5% vs 2023
Net assets
£44M
-63% vs 2023
Employees
0
Average over period
Profit before tax
£6M
-89.1% vs 2023
Net assets
2-year trend · vs Financials median
Accounts
2-year trend · latest reflected 2024-12-31
| Metric | Trend | 2023-12-31 | 2024-12-31 |
|---|---|---|---|
| Turnover | — | — | |
| Operating profit | £53,114,000 | £5,771,000 | |
| Profit before tax | £53,114,000 | £5,771,000 | |
| Net profit | £40,632,000 | £4,328,000 | |
| Cash | £74,681,000 | £19,015,000 | |
| Total assets less current liabilities | £120,170,000 | £44,498,000 | |
| Net assets | £120,170,000 | £44,498,000 | |
| Equity | £120,170,000 | £44,498,000 | |
| Average employees | 0 | 0 | |
| Wages | — | — |
Values shown as filed in the company's annual accounts. — indicates the figure wasn't present under that line item in that period. About these numbers
Ratios
Computed from the line items above — sparklines read oldest → newest
| Ratio | Trend | 2023-12-31 | 2024-12-31 |
|---|---|---|---|
| Return on capital employed | 44.2% | 13.0% | |
| Gearing (liabilities / total assets) | 10.0% | 48.5% | |
| Current ratio | 9.84x | 2.02x |
Margins divide P&L lines by turnover. Gearing is liabilities over total assets. Current ratio is current assets over creditors falling due within one year. Interest cover is operating profit over absolute finance costs. Sector-distribution context coming next.
Audit & accounting basis
- Accounting basis
- IFRS
- Reporting scope
- Standalone (parent only)
- Auditor
- Deloitte LLP
- Audit opinion
- Unqualified (clean)
- Going concern
- Affirmed
“The Directors have a reasonable expectation that the Company has adequate resources to continue in operational existence for at least 12 months from the date of approval of the accounts. Thus they continue to adopt the going concern basis of accounting in preparing the Annual Report and Accounts.”
Significant events
- “Loans and advances to customers of £2,500,000,000 were sold to the SPE on 19 January 2023.”
- “Other operating expenses for the year of £4,918,000 (2023: £2,677,000) increased due to write offs incurred relating to loans sold to the SPE which were not permitted per the sale agreement.”
- “Interest payable has reduced due to funding being settled following the sale of assets to the SPE.”
- “Management fees also reduced due to the reduction in the size of the loan book following the sale.”
Auditor, going-concern and subsidiary information is drawn from the narrative of the latest annual accounts. About these numbers
People
5 active · 51 resigned
| Name | Role | Appointed | Born | Nationality |
|---|---|---|---|---|
| FIDLER, Sarah Louise | Secretary | 2026-04-21 | — | — |
| ASAAM, Andrew | Director | 2023-02-27 | Jun 1971 | British |
| CAMPBELL, Melanie Candice | Director | 2023-09-29 | May 1974 | South African,British |
| DIGGINS, Ricky | Director | 2023-06-14 | May 1973 | British |
| KINNAIRD, Kimberley Amber | Director | 2023-07-11 | Jun 1981 | British |
Show 51 resigned officers
| Name | Role | Appointed | Resigned |
|---|---|---|---|
| GITTINS, Paul | Secretary | 2011-11-25 | 2024-07-31 |
| HALADNER, Stephanie | Secretary | 2024-07-31 | 2026-04-21 |
| LAKIN, Helen Mary | Secretary | 2000-06-01 | 2001-11-30 |
| LOCKWOOD, Angela | Secretary | 2006-06-13 | 2011-11-25 |
| MAYER, Sally | Secretary | 2001-11-30 | 2006-06-13 |
| NIXON, Raymond | Secretary | 1993-02-01 | 2000-05-31 |
| SOBO, Femi | Secretary | 2003-05-16 | 2003-12-24 |
| AMBANI, Anish Bipin | Director | 2023-03-14 | 2023-09-29 |
| BAKER, Paul Leslie | Director | 2007-02-15 | 2017-03-28 |
| BERGIN, Mark Joseph | Director | 2000-06-30 | 2005-09-30 |
| BICKERS, Andrew | Director | 2023-01-01 | 2023-11-30 |
| BIGNALL, Melvyn John | Director | 2000-06-30 | 2004-01-24 |
| BRINDLEY, Alan Robert | Director | 2015-08-13 | 2016-10-07 |
| BUSH, Claude Harry | Director | — | 1994-03-31 |
| CHARGE, Peter | Director | 2005-11-04 | 2006-07-03 |
| CHARLESWORTH, Edward Mark | Director | 1997-10-24 | 2000-05-05 |
| DUDGEON, William Wilson | Director | 2000-06-30 | 2005-09-30 |
| DUFFIN, Paul | Director | 2002-04-05 | 2002-09-21 |
| FLETCHER, Robert William | Director | 2014-10-03 | 2023-12-08 |
| FRYATT, David Richard | Director | — | 2001-02-20 |
| GOWLAND, Christopher | Director | 2015-10-30 | 2023-03-14 |
| HANSON, Philip David | Director | 2002-10-01 | 2005-05-10 |
| HARNETT, Iain James | Director | 2008-11-20 | 2008-12-17 |
| HOLMES, Robert John | Director | 2006-05-19 | 2008-11-14 |
| JENKS, Philip Anthony | Director | 2005-05-10 | 2008-10-27 |
| LENMAN, Alasdair Bruce | Director | 2011-09-28 | 2012-09-07 |
| LITTLER, Roy | Director | — | 1999-11-18 |
| MASSERANO, Patrick Anthony | Director | 2012-10-08 | 2013-12-31 |
| MCARTHUR, Daniel Rodger | Director | 2000-06-30 | 2002-04-05 |
| MEE, Robert James | Director | — | 2002-01-14 |
| MERCER, John Alexander | Director | — | 2000-06-30 |
| MURPHY, David Martin | Director | 2006-11-14 | 2008-11-14 |
| NICHOLSON, David Charles | Director | 2005-06-30 | 2006-11-15 |
| NOAKES, Stephen John | Director | 2019-12-09 | 2022-12-31 |
| NOAKES, Stephen John | Director | 2011-10-01 | 2015-10-30 |
| PARRY, David Anthony | Director | 2000-06-30 | 2005-09-30 |
| PAYNE, Nigel Christopher | Director | 2005-11-04 | 2008-11-14 |
| PEREZ, Israel Santos | Director | 2019-12-09 | 2023-02-24 |
| PURDY, Robert Andrew | Director | 2012-10-08 | 2014-08-08 |
| SINGH, Jasjyot | Director | 2018-09-28 | 2023-06-20 |
| SNOWDON, Colin | Director | — | 1997-08-29 |
| STEWART, Ian Gordon | Director | 2008-10-28 | 2012-12-03 |
| STOCKTON, Nigel | Director | 2005-11-04 | 2010-09-30 |
| TURNER, Grenville | Director | 2004-12-03 | 2005-11-04 |
| VON SCHMIDT AUF ALTENSTADT, Johan Robin Charles | Director | 2019-01-15 | 2019-11-22 |
| WALSH, Colin | Director | 2011-03-30 | 2011-09-30 |
| WATKINS, Daniel John | Director | 2004-12-03 | 2005-06-30 |
| WELLS, Richard Stephen | Director | 2005-05-10 | 2005-11-04 |
| WHITE, George Aikman Emslie | Director | 2000-06-30 | 2002-04-05 |
| WOOD, Kevin Laroux | Director | 2006-02-10 | 2008-11-14 |
| WORGAN, Katie Louise | Director | 2023-12-08 | 2025-01-30 |
Ownership
Persons with significant control
| Name | Kind | Nature of control | Notified | Status |
|---|---|---|---|---|
| Bank Of Scotland Plc | Corporate entity | Shares 75–100%, Voting 75–100%, Appoints directors | 2016-04-06 | Active |
Filing timeline
Last 20 of 270 total filings
| Date | Type | Category | Description | |
|---|---|---|---|---|
| 2026-04-29 | TM02 | officers | Termination secretary company with name termination date | |
| 2026-04-29 | AP03 | officers | Appoint person secretary company with name date | |
| 2026-01-05 | CS01 | confirmation-statement | Confirmation statement with no updates | |
| 2025-04-22 | AA | accounts | Accounts with accounts type full | |
| 2025-02-04 | TM01 | officers | Termination director company with name termination date | |
| 2025-01-06 | CS01 | confirmation-statement | Confirmation statement with no updates | |
| 2024-08-02 | TM02 | officers | Termination secretary company with name termination date | |
| 2024-08-02 | AP03 | officers | Appoint person secretary company with name date | |
| 2024-05-15 | AA | accounts | Accounts with accounts type full | |
| 2024-01-09 | CS01 | confirmation-statement | Confirmation statement with no updates | |
| 2024-01-08 | TM01 | officers | Termination director company with name termination date | |
| 2023-12-20 | AP01 | officers | Appoint person director company with name date | |
| 2023-12-05 | TM01 | officers | Termination director company with name termination date | |
| 2023-10-18 | TM01 | officers | Termination director company with name termination date | |
| 2023-10-12 | AP01 | officers | Appoint person director company with name date | |
| 2023-07-19 | AP01 | officers | Appoint person director company with name date | |
| 2023-07-03 | RP04AP01 | officers | Second filing of director appointment with name | |
| 2023-06-28 | TM01 | officers | Termination director company with name termination date | |
| 2023-06-21 | CH01 | officers | Change person director company with change date | |
| 2023-06-20 | AP01 | officers | Appoint person director company with name date |
Public-record activity
Raw counts from Companies House — last 12–24 months
- Filings
- 3
- Capital events
- 0
- Officers appointed
- 1
- Officers resigned
- 1
last 12 months
last 24 months
last 12 months
last 12 months
Direct counts from the register. No score, no rating — see the Filing timeline for the underlying events.
Year-on-year
FY2023 → FY2024 · period ending 2024-12-31 vs 2023-12-31
-
Turnover
—
Not reported
-
Cash
-74.5%
£74,681,000 £19,015,000
-
Net assets
-63%
£120,170,000 £44,498,000
-
Employees
—
Not reported
-
Operating profit
-89.1%
£53,114,000 £5,771,000
-
Profit before tax
-89.1%
£53,114,000 £5,771,000
Each % is (latest − prior) ÷ |prior| for the line item as filed. Periods don't have to be exactly 12 months apart — a long or short period (typical around incorporation or year-end changes) will distort the comparison. Lines a company doesn't report are omitted. About these numbers