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Individual Mortgage Solutions Limited

04292013

active
Private Limited Company
Companies House
Health Score
90 / 100

Healthy

30/30
Filing
20/30
Financial
40/40
Risk

No risk factors detected.

Details

WREN HOUSE, ST ALBANS, AL1 1NG
Incorporated 24/09/2001

Compliance

Accounts

Up to date

Confirmation statement

Up to date

Industry

82990
Other business support service activities

Officers

William Ernest Carsley Harding

director · Since 24/09/2001

COMPANY DIRECTOR

BRITISH

Also on 1 other board

Susan Josephine Harding

secretary · Since 01/11/2002

BRITISH

Also on 1 other board

Mrs Susan Josephine Harding

director · Since 30/01/2009

COMPANY DIRECTOR

BRITISH · ENGLAND

Persons with Significant Control

Mr William Ernest Carsley Harding

25–50% shares
25–50% votes

British · England

Notified 06/04/2016

Mrs Susan Josephine Harding

25–50% shares
25–50% votes

British · England

Notified 06/04/2016

Charges0 outstanding

charge
satisfied

LEGAL AND GENERAL ASSURANCE SOCIETY LIMITED

Created 20/11/2006Registered 22/11/2006Satisfied 30/07/2021

CompanyRankvs 28374+ SIC 82990 peers
70

Financial strength73th percentile among SIC peers · 18/25
Employees69th percentile among SIC peers · 10/15
LiquidityCurrent ratio 1.36× · 12/20
Longevity15 years trading (max 15) · 15/15
Filing complianceAll filings up to date · 15/15
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28374Individual Mortgage Solutions Limited
70
How is this score calculated?
Financial strength18/25 pts

Net worth compared to all companies in the same SIC code with published accounts. Top quartile earns the full 25 points.

Employees10/15 pts

Workforce size relative to sector peers from the most recent accounts. A larger team generally signals commercial scale.

Liquidity12/20 pts

Current assets ÷ current liabilities. A ratio above 2× earns full marks; between 1–2× scores partially; below 0.5× scores minimal points.

Longevity15/15 pts

One point per year of operation since incorporation, capped at 15. Older companies have a proven track record.

Filing compliance15/15 pts

Full 15 points when both annual accounts and confirmation statement are filed on time. Points are deducted for each overdue filing.

Maximum score is 100. Deductions apply for insolvency history, outstanding charges, going concern doubt, or disqualified officers.

Key FinancialsYear ending 31/05/2025

Net Worth

£28k

Balance sheet strength

Cash

£77k

Cash in the bank

Net Current Assets

£21k

Working capital

Current Assets

£77k

Current Liabilities

£57k

Fixed Assets

£8k

2avg. employees+2

Balance Sheet

Assets less current liabilities£29k
Signed by Mr William Harding 06/12/2025Prepared with Acorah Software Products - Accounts Production

EstimatesDerived

YearCurrent Ratio
20251.36

Derived from filed accounts. Not audited figures.