UK Companies House feature
YOUR MORTGAGE PEOPLE LIMITED
Cash
£521K
-26.6% vs 2023
Net assets
£5M
+37.7% vs 2023
Employees
135
-3.6% vs 2023
Profit before tax
£2M
+165% vs 2023
Profile
- Company number
- 08503153
- Status
- Active
- Incorporation
- 2013-04-24
- Last accounts made up
- 2024-12-31
- Account category
- FULL
- Primary SIC
- 66220
- Hubs
- UK Fintech
Net assets
8-year trend · vs UK Fintech median
Accounts
8-year trend · latest 2024-12-31
| Metric | Trend | 2020-04-30 | 2021-05-31 | 2022-05-31 | 2022-06-01 | 2022-12-31 | 2023-01-01 | 2023-12-31 | 2024-12-31 |
|---|---|---|---|---|---|---|---|---|---|
| Turnover | — | — | — | — | £9,893,244 | — | £7,504,283 | £10,089,342 | |
| Operating profit | — | — | — | — | £3,175,571 | — | £827,757 | £2,210,871 | |
| Profit before tax | — | — | — | — | £3,177,404 | — | £839,953 | £2,225,692 | |
| Net profit | — | — | — | — | £3,012,774 | — | £773,399 | £1,804,528 | |
| Cash | £115,800 | £1,112,934 | £1,424,895 | £1,425,285 | £1,360,441 | £1,360,440 | £709,836 | £520,875 | |
| Total assets less current liabilities | £71,918 | £1,108,262 | £1,622,972 | — | £4,267,692 | — | £4,278,405 | £5,777,217 | |
| Net assets | -£543,524 | £458,164 | £1,622,972 | — | £3,906,120 | — | £3,942,276 | £5,428,051 | |
| Equity | -£543,524 | £458,164 | £1,622,972 | £1,622,972 | £3,906,120 | £3,906,120 | £3,942,276 | £5,428,051 | |
| Average employees | 23 | 87 | 90 | — | 116 | — | 140 | 135 | |
| Wages | — | — | — | — | £4,869,303 | — | £4,166,045 | £4,632,184 |
Values shown as filed in iXBRL accounts. — indicates the figure was not present in the extracted filing (either not filed under that concept or absent from the period). About these numbers
Audit & accounting basis
From AI-extracted PDF accounts
- Accounting basis
- FRS 102
- Reporting scope
- Standalone (parent only)
- Auditor
- Accendo Consulting Ltd
- Audit opinion
- Unqualified (clean)
- Going concern
- Affirmed
“The Directors have considered the company's financial performance, position and prospects and are confident that the going concern basis of preparation is appropriate for the following reasons: • The company continues to report strong and stable revenue, profitability, and cash reserves. • Net current assets at the reporting date total £5.7 million, with significant retained earnings. • The company has access to additional funding facilities should market conditions deteriorate. • Macroeconomic indicators, including interest and swap rates, are trending positively, supporting a favourable trading environment. • Despite recent economic challenges, the company has increased its market share and is well positioned to benefit from further growth. • The company benefits from a solid lead supply, acting as the FCA Principal for its two main introducers. • The customer base has expanded substantially, creating an opportunity to grow recurring income through renewals as customers approach the end of their fixed-rate terms. On this basis, the Directors have a reasonable expectation that the company has adequate resources to continue in operational existence for the foreseeable future and, therefore, consider the going concern basis to be appropriate.”
Auditor / going-concern / subsidiary information is extracted from the PDF version of the latest annual accounts and is not tagged in iXBRL. About these numbers
People
6 active · 7 resigned
| Name | Role | Appointed | Born | Nationality |
|---|---|---|---|---|
| DOWNES, Graham | Director | 2022-03-10 | Apr 1975 | British |
| HARRIS, Scott James Andrew | Director | 2018-10-01 | Jul 1979 | British |
| HEMMINGS, Victoria Jayne | Director | 2025-10-20 | Nov 1984 | British |
| HINTON, Paul | Director | 2022-03-10 | Jun 1976 | British |
| MENDEZ, Amba Marie | Director | 2024-04-01 | Mar 1990 | British |
| YOUNG, Fiona Avril | Director | 2022-03-10 | Apr 1983 | British |
Show 7 resigned officers
| Name | Role | Appointed | Resigned |
|---|---|---|---|
| HARRIS, Scott James Andrew | Director | 2018-07-01 | 2018-07-01 |
| HAYES, Timothy James | Director | 2018-07-01 | 2018-10-01 |
| HAYES, Timothy James | Director | 2013-04-24 | 2018-07-01 |
| LANCE, Mark Jonathan | Director | 2018-07-01 | 2018-10-01 |
| LANCE, Mark Jonathan | Director | 2015-03-01 | 2018-07-01 |
| REED, James Jerold | Director | 2018-10-01 | 2020-11-30 |
| REED, James Jerold | Director | 2018-07-01 | 2018-07-01 |
Ownership
Persons with significant control
| Name | Kind | Nature of control | Notified | Status |
|---|---|---|---|---|
| The Protection Specialist Limited | Corporate entity | Shares 50–75%, Voting 50–75%, Appoints directors | 2022-06-30 | Ceased 2022-12-15 |
| Lance Consolidation Limited | Corporate entity | Shares 75–100%, Voting 75–100% | 2020-11-30 | Active |
| Mr Scott James Andrew Harris | Individual | Shares 25–50% | 2018-10-01 | Ceased 2022-06-30 |
| Mr James Jerold Reed | Individual | Shares 25–50% | 2018-10-01 | Ceased 2020-11-30 |
| Mr Timothy James Hayes | Individual | Shares 75–100% | 2018-07-01 | Ceased 2018-10-01 |
| Mr James Jerold Reed | Individual | Shares 25–50% | 2018-07-01 | Ceased 2018-07-01 |
| Mr Scott James Andrew Harris | Individual | Shares 25–50% | 2018-07-01 | Ceased 2018-07-01 |
| Mr Timothy James Hayes | Individual | Shares 75–100% | 2016-04-06 | Ceased 2018-07-01 |
Filing timeline
Last 20 of 84 total filings
| Date | Type | Category | Description |
|---|---|---|---|
| 2026-03-19 | CS01 | confirmation-statement | confirmation statement with updates |
| 2025-10-30 | CH01 | officers | change person director company with change date |
| 2025-10-21 | AP01 | officers | appoint person director company with name date |
| 2025-08-03 | AA | accounts | accounts with accounts type full |
| 2025-03-10 | CS01 | confirmation-statement | confirmation statement with no updates |
| 2024-09-18 | AA | accounts | accounts with accounts type full |
| 2024-09-09 | AP01 | officers | appoint person director company with name date |
| 2024-07-26 | MA | incorporation | memorandum articles |
| 2024-07-26 | RESOLUTIONS | resolution | resolution |
| 2024-07-26 | SH10 | capital | capital variation of rights attached to shares |
| 2024-07-26 | SH08 | capital | capital name of class of shares |
| 2024-05-15 | AAMD | accounts | accounts amended with accounts type total exemption full |
| 2024-05-08 | AD01 | address | change registered office address company with date old address new address |
| 2024-04-15 | AAMD | accounts | accounts amended with made up date |
| 2024-03-01 | CS01 | confirmation-statement | confirmation statement with no updates |
| 2023-03-29 | AA | accounts | accounts with accounts type unaudited abridged |
| 2023-03-29 | PSC05 | persons-with-significant-control | change to a person with significant control |
| 2023-03-29 | PSC07 | persons-with-significant-control | cessation of a person with significant control |
| 2023-03-02 | PSC05 | persons-with-significant-control | change to a person with significant control |
| 2023-03-02 | PSC02 | persons-with-significant-control | notification of a person with significant control |
Credit score
Altman Z″ (private-firm) · reference 2024-12-31
11.47
SAFE
Altman Z″
- Working capital / Total assets 0.835 × 6.56 = +5.48
- Retained earnings / Total assets 0.000 × 3.26 = +0.00
- EBIT / Total assets 0.320 × 6.72 = +2.15
- Book equity / Total liabilities 3.659 × 1.05 = +3.84
Bands: > 2.6 safe · 1.1–2.6 grey · < 1.1 distress. Z″ is a public-formula baseline, not a substitute for adverse-data signals (CCJs, charges, gazette notices) — those land in a later pass.
Activity Score
Filings velocity, capital events, officer churn, accounts trajectory