ACCORD MORTGAGES LIMITED
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Next accounts due
2027-09-30 (in 1y)
Last filed for 2025-12-31
Confirmation statement due
2027-03-28 (in 10mo)
Last made up 2026-03-14
Watchouts
Cash
-£5M
-56.7% vs 2024
Net assets
—
Equity attributable
Employees
0
Average over period
Profit before tax
£104M
-26.9% vs 2024
Watchouts
Facts from the Companies House register and the latest accounts — not a rating
-
3 officer resignations in last 12 months
Multiple officers have left the board recently — see the People section for who.
Name history
Renamed 3 times since incorporation
- ACCORD MORTGAGES LIMITED 2002-10-29 → present
- ABACUS HOME LOANS LIMITED 2002-10-08 → 2002-10-29
- MORTGAGE LOAN MANAGEMENT LIMITED 1991-09-13 → 2002-10-08
- YORKSHIRE KEY SERVICES LIMITED 1987-06-11 → 1991-09-13
Profit before tax
2-year trend · vs Financials median
Accounts
2-year trend · latest reflected 2025-12-31
| Metric | Trend | 2024-12-31 | 2025-12-31 |
|---|---|---|---|
| Turnover | £2,132,500,000 | £2,161,600,000 | |
| Operating profit | — | — | |
| Profit before tax | £141,800,000 | £103,700,000 | |
| Net profit | £107,500,000 | £79,000,000 | |
| Cash | -£3,000,000 | -£4,700,000 | |
| Total assets less current liabilities | — | — | |
| Net assets | — | — | |
| Equity | £498,300,000 | £499,300,000 | |
| 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 | 2024-12-31 | 2025-12-31 |
|---|---|---|---|
| Net margin | 5.0% | 3.7% |
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
- PricewaterhouseCoopers LLP
- Audit opinion
- Unqualified (clean)
- Going concern
- Affirmed
“The directors confirm that, based on the latest formal review undertaken in February 2026, and stress tests performed throughout the year, they consider the Group has adequate resources to continue in existence for at least 12 months from the date the financial statements were authorised for issue.”
Auditor, going-concern and subsidiary information is drawn from the narrative of the latest annual accounts. About these numbers
People
6 active · 40 resigned
| Name | Role | Appointed | Born | Nationality |
|---|---|---|---|---|
| COLLEY, Deborah | Secretary | 2017-12-13 | — | — |
| DUNCOMBE, Jeremy Michael | Director | 2018-06-20 | Jul 1969 | British |
| FOX, Simone Deborah | Director | 2026-02-10 | Aug 1978 | British |
| IRWIN, Christopher | Director | 2025-12-10 | Jul 1981 | British |
| MARTIN, Simon | Director | 2022-04-01 | May 1980 | British |
| RANGER, Thomas Allan | Director | 2024-08-01 | Nov 1977 | British |
Show 40 resigned officers
| Name | Role | Appointed | Resigned |
|---|---|---|---|
| CORNISH, Iain Charles Andrew | Secretary | 1999-09-20 | 2002-08-07 |
| FITZPATRICK, Ann Louise | Secretary | 2002-08-07 | 2016-05-05 |
| IRELAND, Philip Anthony | Secretary | — | 1999-09-20 |
| NELLIST, Helen | Secretary | 2016-05-05 | 2017-12-13 |
| ANDERSON, David | Director | 1991-09-11 | 2003-06-30 |
| ANDERSON, Edmund John Seward | Director | 2005-07-01 | 2007-07-31 |
| BULL, Christopher Charles | Director | 2003-02-11 | 2014-03-13 |
| BULLOCK, Ian Jeffrey | Director | 2007-05-01 | 2015-11-30 |
| CANNING, Charles Peter | Director | 2015-12-16 | 2020-12-31 |
| CANNING, Charles Peter | Director | 2007-12-03 | 2013-12-31 |
| CATON, Andrew Mark | Director | 2004-07-01 | 2007-07-31 |
| CONNOLLY, Patrick John Thomas | Director | 2022-07-28 | 2025-08-14 |
| CORNISH, Iain Charles Andrew | Director | 2003-06-30 | 2011-11-11 |
| CORNISH, Iain Charles Andrew | Director | 1999-09-20 | 2002-08-07 |
| COURT, Rachel Diane | Director | 2002-08-07 | 2003-10-21 |
| DAVIES, Barry William | Director | — | 1991-09-11 |
| EVANS, Gillian Clare | Director | 2014-03-12 | 2015-11-30 |
| FAULKNER, Christopher John | Director | 1991-09-11 | 2002-08-07 |
| GRAHAM, Robert Charles | Director | 2003-02-11 | 2015-02-13 |
| HILLIS, Catherine Alison | Director | 2011-08-02 | 2015-09-01 |
| HILLIS, Catherine Alison | Director | 2008-02-08 | 2010-09-08 |
| HOWLEY, Paul | Director | 2017-05-17 | 2020-12-31 |
| HUDSON, Desmond Gerard | Director | 1991-09-11 | 1992-05-15 |
| IRELAND, Philip Anthony | Director | — | 1991-09-11 |
| JACKSON, Robert Bruce | Director | 1991-09-11 | 2002-08-07 |
| JACKSON, Sarah Louise | Director | 2021-01-01 | 2022-07-01 |
| MERRITT, Benjamin David | Director | 2025-08-14 | 2025-11-30 |
| MORRIS, David Edmund Thomas | Director | 2021-01-01 | 2024-08-01 |
| PEARCE, Andrew John | Director | 1996-04-30 | 2001-04-30 |
| PURDY, Rob Andrew | Director | 2015-06-29 | 2023-01-21 |
| REGNIER, Michael Charles | Director | 2015-12-16 | 2017-05-17 |
| ROBERTS, Derek Franklyn | Director | 1991-09-11 | 1996-04-30 |
| SMITH, Iain Mcmaster | Director | 2003-10-21 | 2010-09-08 |
| SMITH, Thomas Anthony | Director | 1991-09-11 | 1996-04-30 |
| STEWART, Martin Alastair | Director | 2003-02-11 | 2005-02-28 |
| UNDERHILL, Mark David | Director | 2002-08-07 | 2007-07-31 |
| WELLS, Richard Stephen | Director | 2011-12-09 | 2024-03-28 |
| WHITE, Stephen Cameron | Director | 2017-04-17 | 2022-01-14 |
| WILL, Linda | Director | 2002-08-07 | 2007-11-15 |
| YOUNG, Nikki Lee | Director | 2023-02-10 | 2025-11-14 |
Ownership
Persons with significant control
Filing timeline
Last 20 of 203 total filings
| Date | Type | Category | Description | |
|---|---|---|---|---|
| 2026-04-19 | AA | accounts | Accounts with accounts type full | |
| 2026-03-26 | CS01 | confirmation-statement | Confirmation statement with no updates | |
| 2026-02-11 | AP01 | officers | Appoint person director company with name date | |
| 2025-12-10 | AP01 | officers | Appoint person director company with name date | |
| 2025-12-01 | TM01 | officers | Termination director company with name termination date | |
| 2025-11-14 | TM01 | officers | Termination director company with name termination date | |
| 2025-08-14 | TM01 | officers | Termination director company with name termination date | |
| 2025-08-14 | AP01 | officers | Appoint person director company with name date | |
| 2025-04-14 | AA | accounts | Accounts with accounts type full | |
| 2025-03-24 | CS01 | confirmation-statement | Confirmation statement with no updates | |
| 2024-08-01 | AP01 | officers | Appoint person director company with name date | |
| 2024-08-01 | TM01 | officers | Termination director company with name termination date | |
| 2024-05-01 | AA | accounts | Accounts with accounts type full | |
| 2024-03-28 | TM01 | officers | Termination director company with name termination date | |
| 2024-03-21 | CS01 | confirmation-statement | Confirmation statement with no updates | |
| 2023-04-06 | AA | accounts | Accounts with accounts type full | |
| 2023-03-21 | CS01 | confirmation-statement | Confirmation statement with no updates | |
| 2023-02-13 | TM01 | officers | Termination director company with name termination date | |
| 2023-02-13 | AP01 | officers | Appoint person director company with name date | |
| 2022-08-09 | AP01 | officers | Appoint person director company with name date |
Public-record activity
Raw counts from Companies House — last 12–24 months
- Filings
- 8
- Capital events
- 0
- Officers appointed
- 2
- Officers resigned
- 3
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
FY2024 → FY2025 · period ending 2025-12-31 vs 2024-12-31
-
Turnover
+1.4%
£2,132,500,000 £2,161,600,000
-
Cash
-56.7%
-£3,000,000 -£4,700,000
-
Net assets
—
Not reported
-
Employees
—
Not reported
-
Profit before tax
-26.9%
£141,800,000 £103,700,000
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