EXACT MORTGAGE EXPERTS LIMITED
Get an alert when EXACT MORTGAGE EXPERTS LIMITED files next
Leroy will email you the moment a new filing lands at Companies House — one short note per filing, nothing else.
Next accounts due
2026-09-30 (in 4mo)
Last filed for 2024-12-31
Confirmation statement due
2026-11-28 (in 6mo)
Last made up 2025-11-14
Watchouts
Cash
£7M
-74.6% vs 2023
Net assets
£4M
-80.6% vs 2023
Employees
375
-7.6% vs 2023
Profit before tax
£4M
+7.3% vs 2023
Watchouts
Facts from the Companies House register and the latest accounts — not a rating
-
1 PSC ceased in last 24 months
Significant control changed hands — see the Ownership section.
Name history
Renamed 1 time since incorporation
- EXACT MORTGAGE EXPERTS LIMITED 2008-11-17 → present
- ALNERY NO. 2822 LIMITED 2008-11-14 → 2008-11-17
Net assets
2-year trend · vs Industrials median
Accounts
2-year trend · latest reflected 2024-12-31
| Metric | Trend | 2023-12-31 | 2024-12-31 |
|---|---|---|---|
| Turnover | £30,964,000 | £30,636,000 | |
| Operating profit | £3,671,000 | £3,940,000 | |
| Profit before tax | £3,671,000 | £3,940,000 | |
| Net profit | £2,804,000 | £2,988,000 | |
| Cash | £25,821,000 | £6,550,000 | |
| Total assets less current liabilities | £19,868,000 | £3,620,000 | |
| Net assets | £20,349,000 | £3,950,000 | |
| Equity | £20,349,000 | £3,950,000 | |
| Average employees | 406 | 375 | |
| Wages | £21,225,000 | £19,741,000 |
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 |
|---|---|---|---|
| Operating margin | 11.9% | 12.9% | |
| Net margin | 9.1% | 9.8% | |
| Return on capital employed | 18.5% | 108.8% | |
| Gearing (liabilities / total assets) | 23.9% | 62.1% | |
| Current ratio | 4.10x | 1.56x |
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 concluded that the Company has sufficient resources to continue in operational existence for a period in excess of 12 months from the date of this Report and as a result, it is appropriate to prepare these financial statements on a going concern basis.”
Significant events
- “The Directors have proposed a final dividend of £3,000k in relation to profits for the year ended 31 December 2024.”
Auditor, going-concern and subsidiary information is drawn from the narrative of the latest annual accounts. About these numbers
People
4 active · 22 resigned
| Name | Role | Appointed | Born | Nationality |
|---|---|---|---|---|
| ELPHICK, Jason Stanley | Secretary | 2019-11-12 | — | — |
| ALLEN, Benjamin | Director | 2025-09-24 | Apr 1982 | British |
| GOLDING, Andrew John | Director | 2019-10-04 | Jan 1969 | British |
| KHAN, Irfanulla | Director | 2025-09-24 | Aug 1981 | Indian |
Show 22 resigned officers
| Name | Role | Appointed | Resigned |
|---|---|---|---|
| MALSBURY, Dianne Wendy | Secretary | 2008-11-17 | 2019-11-12 |
| ALNERY INCORPORATIONS NO.1 LIMITED | Corporate Secretary | 2008-11-14 | 2008-11-17 |
| BROOKE, Timothy Tracey | Director | 2015-01-06 | 2020-05-07 |
| CLEARY, Alan Vincent | Director | 2008-11-17 | 2015-01-06 |
| ELCOCK, Peter Charles | Director | 2015-11-24 | 2019-10-04 |
| HARWERTH, Elizabeth Noel | Director | 2017-06-27 | 2020-06-01 |
| JENKS, Philip Anthony | Director | 2009-10-07 | 2019-10-04 |
| KAPOOR, Rajan | Director | 2016-09-23 | 2020-06-01 |
| KASOFF, Steven Howard | Director | 2008-11-17 | 2015-01-06 |
| KORNITZER, Clive David | Director | 2020-06-01 | 2025-09-01 |
| LONERGAN, Ian Martin | Director | 2008-11-17 | 2019-10-04 |
| MALONEY, Jean-Sebastien | Director | 2010-01-15 | 2019-10-04 |
| MORRIS, Craig Alexander James | Director | 2008-11-14 | 2008-11-17 |
| NIXON, John Edward | Director | 2008-11-17 | 2015-01-06 |
| SULLIVAN-HYDE, Victoria Jane | Director | 2024-05-09 | 2025-09-30 |
| SWIDLER, Joshua Eric | Director | 2008-11-17 | 2010-01-15 |
| TALINTYRE, April Carolyn | Director | 2019-10-04 | 2024-05-09 |
| WARD, Ian William | Director | 2015-01-06 | 2020-05-07 |
| WILLIAMSON, George Malcolm, Sir | Director | 2017-06-27 | 2020-02-04 |
| WILSON, Ian Douglas | Director | 2015-01-06 | 2015-11-24 |
| ALNERY INCORPORATIONS NO.1 LIMITED | Corporate Director | 2008-11-14 | 2008-11-17 |
| ALNERY INCORPORATIONS NO.2 LIMITED | Corporate Director | 2008-11-14 | 2008-11-17 |
Ownership
Persons with significant control
| Name | Kind | Nature of control | Notified | Status |
|---|---|---|---|---|
| Onesavings Bank Plc | Corporate entity | Shares 75–100%, Voting 75–100%, Appoints directors | 2025-09-22 | Active |
| Ccfsg Holdings Limited | Corporate entity | Shares 75–100%, Voting 75–100%, Appoints directors | 2016-04-06 | Ceased 2025-09-22 |
Filing timeline
Last 20 of 107 total filings
Material constitutional events — rename, articles re-file, resolution
- 2024-12-23 RESOLUTIONS Resolution
- 2024-12-23 RESOLUTIONS Resolution
| Date | Type | Category | Description | |
|---|---|---|---|---|
| 2026-02-18 | PSC05 | persons-with-significant-control | Change to a person with significant control | |
| 2025-11-14 | CS01 | confirmation-statement | Confirmation statement with updates | |
| 2025-10-09 | PSC02 | persons-with-significant-control | Notification of a person with significant control | |
| 2025-10-09 | PSC07 | persons-with-significant-control | Cessation of a person with significant control | |
| 2025-10-07 | TM01 | officers | Termination director company with name termination date | |
| 2025-10-04 | AP01 | officers | Appoint person director company with name date | |
| 2025-09-30 | AP01 | officers | Appoint person director company with name date | |
| 2025-09-02 | TM01 | officers | Termination director company with name termination date | |
| 2025-06-30 | PSC05 | persons-with-significant-control | Change to a person with significant control | |
| 2025-06-13 | AA | accounts | Accounts with accounts type full | |
| 2024-12-31 | AD03 | address | Move registers to sail company with new address | |
| 2024-12-24 | SH19 | capital | Capital statement capital company with date currency figure | |
| 2024-12-23 | RESOLUTIONS | resolution | Resolution | |
| 2024-12-23 | SH20 | capital | Legacy | |
| 2024-12-23 | CAP-SS | insolvency | Legacy | |
| 2024-12-23 | RESOLUTIONS | resolution | Resolution | |
| 2024-12-20 | AD02 | address | Change sail address company with new address | |
| 2024-11-14 | CS01 | confirmation-statement | Confirmation statement with updates | |
| 2024-06-04 | AA | accounts | Accounts with accounts type full | |
| 2024-05-17 | PSC05 | persons-with-significant-control | Change to a person with significant control |
Public-record activity
Raw counts from Companies House — last 12–24 months
- Filings
- 10
- Capital events
- 2
- Officers appointed
- 2
- Officers resigned
- 2
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
-1.1%
£30,964,000 £30,636,000
-
Cash
-74.6%
£25,821,000 £6,550,000
-
Net assets
-80.6%
£20,349,000 £3,950,000
-
Employees
-7.6%
406 375
-
Operating profit
+7.3%
£3,671,000 £3,940,000
-
Profit before tax
+7.3%
£3,671,000 £3,940,000
-
Wages
-7%
£21,225,000 £19,741,000
Each % is (latest − prior) ÷ |prior| for the line item as filed. The comparison is only shown when the latest and prior accounts cover broadly equal-length periods — short or long stubs (typical around incorporation or a year-end change) are suppressed rather than misrepresented. Lines a company doesn't report are omitted. About these numbers