WARWICK FINANCE RESIDENTIAL MORTGAGES NUMBER FOUR PLC
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Next accounts due
2026-06-30 (in 1mo)
Last filed for 2024-12-31
Confirmation statement due
2026-06-04 (in 1mo)
Last made up 2025-05-21
Watchouts
Cash
£6M
+13.8% vs 2023
Net assets
£5M
+18.6% vs 2023
Employees
—
Average over period
Profit before tax
£829K
+230.3% vs 2023
Watchouts
Facts from the Companies House register and the latest accounts — not a rating
-
Material uncertainty over going concern
The directors have adopted the going concern basis in preparing the financial statements, however, as the optional redemption date is a potential significant event, taking place 1 month after signing the financial statements, which would lead to the assets being sold, the notes being repaid and effectively the entity being placed into liquidation this raises a material uncertainty for the entity. There is a material uncertainty related to events or conditions that may cast significant doubt on the entity's ability to continue as a going concern. The financial statements do not contain the adjustments that would result if the company were unable to continue as a going concern.
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 | — | — | |
| Operating profit | — | — | |
| Profit before tax | -£636,632 | £829,229 | |
| Net profit | -£636,867 | £828,979 | |
| Cash | £5,425,818 | £6,173,926 | |
| Total assets less current liabilities | £4,454,585 | £5,283,564 | |
| Net assets | £4,454,585 | £5,283,564 | |
| Equity | £4,454,585 | £5,283,564 | |
| Average employees | — | — | |
| 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 |
|---|---|---|---|
| Current ratio | 0.20x | 0.30x |
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
- FRS 102
- Reporting scope
- Standalone (parent only)
- Auditor
- Ernst & Young LLP
- Audit opinion
- Unqualified (clean)
- Going concern
- Material uncertainty disclosed
“The directors have adopted the going concern basis in preparing the financial statements, however, as the optional redemption date is a potential significant event, taking place 1 month after signing the financial statements, which would lead to the assets being sold, the notes being repaid and effectively the entity being placed into liquidation this raises a material uncertainty for the entity. There is a material uncertainty related to events or conditions that may cast significant doubt on the entity's ability to continue as a going concern. The financial statements do not contain the adjustments that would result if the company were unable to continue as a going concern.”
Significant events
- “In April 2025, formal written communication was received from the portfolio option holders to confirm that the option will not be exercised at this time, and that the entity will continue with its current activities.”
Auditor, going-concern and subsidiary information is drawn from the narrative of the latest annual accounts. About these numbers
People
4 active · 2 resigned
| Name | Role | Appointed | Born | Nationality |
|---|---|---|---|---|
| CSC CORPORATE SERVICES (LONDON) LIMITED | Corporate Secretary | 2019-05-22 | — | — |
| KHAN, Muhammad Umar | Director | 2024-03-13 | Jan 1988 | British |
| CSC DIRECTORS (NO.3) LIMITED | Corporate Director | 2019-05-22 | — | — |
| CSC DIRECTORS (NO.4) LIMITED | Corporate Director | 2019-05-22 | — | — |
Show 2 resigned officers
| Name | Role | Appointed | Resigned |
|---|---|---|---|
| JAFFE, Daniel Marc Richard | Director | 2019-05-22 | 2023-02-01 |
| VIVEK, Arun | Director | 2023-02-01 | 2024-03-13 |
Ownership
Persons with significant control
| Name | Kind | Nature of control | Notified | Status |
|---|---|---|---|---|
| Warwick Finance Residential Mortgages Holdings Number Four Limited | Corporate entity | Shares 75–100%, Voting 75–100%, Appoints directors | 2019-05-22 | Active |
Filing timeline
Last 20 of 41 total filings
| Date | Type | Category | Description | |
|---|---|---|---|---|
| 2026-01-13 | MR04 | mortgage | Mortgage satisfy charge full | |
| 2026-01-13 | MR04 | mortgage | Mortgage satisfy charge full | |
| 2025-12-10 | MR04 | mortgage | Mortgage satisfy charge full | |
| 2025-10-07 | MR01 | mortgage | Mortgage create with deed with charge number charge creation date | |
| 2025-07-07 | AA | accounts | Accounts with accounts type full | |
| 2025-05-30 | CS01 | confirmation-statement | Confirmation statement with no updates | |
| 2025-04-25 | PSC05 | persons-with-significant-control | Change to a person with significant control | |
| 2025-04-25 | CH02 | officers | Change corporate director company with change date | |
| 2025-04-25 | CH02 | officers | Change corporate director company with change date | |
| 2025-04-25 | CH04 | officers | Change corporate secretary company with change date | |
| 2025-04-14 | AD01 | address | Change registered office address company with date old address new address | |
| 2024-12-17 | CH02 | officers | Change corporate director company with change date | |
| 2024-12-17 | CH02 | officers | Change corporate director company with change date | |
| 2024-12-17 | CH04 | officers | Change corporate secretary company with change date | |
| 2024-07-08 | AA | accounts | Accounts with accounts type full | |
| 2024-05-31 | CS01 | confirmation-statement | Confirmation statement with no updates | |
| 2024-04-24 | AP01 | officers | Appoint person director company with name date | |
| 2024-04-24 | TM01 | officers | Termination director company with name termination date | |
| 2023-07-13 | AA | accounts | Accounts with accounts type full | |
| 2023-06-01 | CS01 | confirmation-statement | Confirmation statement with no updates |
Public-record activity
Raw counts from Companies House — last 12–24 months
- Filings
- 6
- Capital events
- 0
- Officers appointed
- 0
- Officers resigned
- 0
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
+13.8%
£5,425,818 £6,173,926
-
Net assets
+18.6%
£4,454,585 £5,283,564
-
Employees
—
Not reported
-
Profit before tax
+230.3%
-£636,632 £829,229
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