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Prosper Home Loans Limited

05813247

active
Private Limited Company
england wales
Companies House
Health Score
78 / 100

Some Concerns

30/30
Filing
10/30
Financial
38/40
Risk
  • Current liabilities exceed current assets (-10)
  • 1 outstanding charge (-2)

Details

60 SEDLESCOMBE ROAD NORTH, ST LEONARDS ON SEA, TN37 7DT
Incorporated 11/05/2006

Compliance

Last accounts

31/05/2025

total exemption full

Next accounts due

28/02/2027

On track

Confirmation statement

Last: 11/05/2026

Due 25/05/2027

On track

Industry

64999
Other financial service activities

Officers

Mr Paul Clifford Mcmath

director · Since 11/05/2006

MORTGAGE CONSULTANT

BRITISH · ENGLAND · Age 60

Also on 3 other boards

Mrs Yolande Jacqueline Mcmath

secretary · Since 12/05/2022

Persons with Significant Control

Mr Paul Clifford Mcmath

75–100% shares
75–100% votes

British · England · Age 60

60, Sedlescombe Road North, St Leonards On Sea, TN37 7DT

Notified 06/04/2016

Charges1 outstanding

Charge
outstanding

NATIONAL WESTMINSTER BANK PLC

Created 01/04/2021Registered 01/04/2021

CompanyRankvs 264+ SIC 64999 peers
78

Financial strength95th percentile among SIC peers · 24/25
Employees94th percentile among SIC peers · 14/15
LiquidityCurrent ratio 2.74× · 20/20
Longevity15 years trading (max 15) · 15/15
Filing complianceAll filings up to date · 15/15
Outstanding charges -10
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How is this score calculated?
Financial strength24/25 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

Outstanding charges: -10 pts

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

£1.2M

Balance sheet strength

Cash

£49k

Cash in the bank

Net Current Assets

£1.0M

Working capital

Current Assets

£1.6M

Current Liabilities

£577k

Fixed Assets

£427k

Debtors

£1.5M

8avg. employees+1

Tax at Year End

Corp tax£13k

Balance Sheet

Bank loans & overdrafts£32k
Assets less current liabilities£1.4M
Prepared with IRIS Accounts Production

EstimatesDerived

YearCurrent RatioImplied Profit
20252.74-£43k
20242.99-£25k
202316.80-£26k
20228.96+£101k
20215.31+£322k
20205.53+£242k
20192.67+£302k
20181.95—

Derived from filed accounts. Not audited figures.