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Chelmsford Mortgage Solutions Limited

05254825

active
Private Limited Company
Companies House
Health Score
66 / 100

Some Concerns

30/30
Filing
0/30
Financial
36/40
Risk
  • Current liabilities exceed current assets (-10)
  • Going concern doubt noted in accounts (-10)
  • 2 outstanding charges (-4)

Details

186 MOULSHAM STREET, ESSEX, CM2 0LG
Incorporated 11/10/2004

Compliance

Accounts

Up to date

Confirmation statement

Up to date

Industry

64999
Other financial service activities

Officers

Mrs Anita Cockrell

secretary · Since 29/08/2008

SECRETARY

BRITISH · Age 58

Ms Michelle Olivia Heard

director · Since 26/02/2016

MORTGAGE BROKER

ENGLISH · ENGLAND · Age 53

Persons with Significant Control

Ms Michelle Olivia Heard

25–50% shares
25–50% votes

English · England · Age 53

186 Moulsham Street, Essex, CM2 0LG

Notified 08/11/2017

Former PSCs

Mr Pau Cockrell

Ceased 08/11/2017

Mr Simon Williams

Ceased 31/01/2023

Charges2 outstanding

charge
outstanding

LLOYDS TSB BANK PLC

Created 26/03/2012Registered 27/03/2012
charge
outstanding

LLOYDS TSB BANK PLC

Created 19/02/2008Registered 20/02/2008

CompanyRankvs 663+ SIC 64999 peers
65

Financial strength83th percentile among SIC peers · 21/25
Employees92th percentile among SIC peers · 14/15
LiquidityCurrent ratio 6.99× · 20/20
Longevity15 years trading (max 15) · 15/15
Filing complianceAll filings up to date · 15/15
Going concern doubt -10Outstanding charges -10
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663Chelmsford Mortgage Solutions Limited
85
How is this score calculated?
Financial strength21/25 pts

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

Employees14/15 pts

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

Liquidity20/20 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.

Risk deductions

Going concern doubt: -10 pts

Outstanding charges: -10 pts

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

Going Concern Doubt

and the Companies Act 2006. The financial statements have been prepared under the historic cost convention. Presentation currency The company’s financial statements are presented in sterling. Going concern In preparing these financial statements, the director has assessed whether there are any material uncertainties related to events or conditions that cast significant doubt upon the company’s abi

Key FinancialsYear ending 31/10/2025

Net Worth

£168k

Balance sheet strength

Cash

£32k

Cash in the bank

Net Current Assets

£44k

Working capital

Current Assets

£51k

Current Liabilities

£7k

Fixed Assets

£124k

Debtors

£19k

6avg. employees+1

Director Loans

Company owes directors£3k

Balance Sheet

Assets less current liabilities£168k
Signed by Mrs M Heard,Prepared with IRIS Elements Accounts Production

EstimatesDerived

YearCurrent RatioImplied Profit
20256.99-£34k
20242.28-£19k
20233.30+£28k
20223.59-£21k
20212.56-£18k
20202.51+£40k
20192.10-£3k
20183.69—

Derived from filed accounts. Not audited figures.