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Concept Mortgages Limited

06213893

active
Private Limited Company
Companies House
Health Score
86 / 100

Healthy

30/30
Filing
20/30
Financial
36/40
Risk
  • 2 outstanding charges (-4)

Details

43 TELEGRAPH ROAD TELEGRAPH ROAD, WIRRAL, CH60 0AD
Incorporated 16/04/2007

Compliance

Accounts

Up to date

Confirmation statement

Up to date

Industry

64999
Other financial service activities
66220
Activities of insurance agents and brokers

Officers

Mrs Nicola Coventry

secretary · Since 16/04/2007

BRITISH

Also on 1 other board

Mr Christian Nevinson Coventry

director · Since 16/04/2007

MORTGAGE AND INSURANCE BROKER

BRITISH · UNITED KINGDOM · Age 51

Mrs Nicola Coventry

director · Since 01/04/2014

COMPANY DIRECTOR

BRITISH · UNITED KINGDOM · Age 48

Also on 1 other board

Persons with Significant Control

Mr Christian Coventry

50–75% shares
50–75% votes
Appoint directors

British · United Kingdom · Age 51

43, Telegraph Road, Wirral, CH60 0AD

Notified 06/04/2016

Mrs Nicola Coventry

25–50% shares
25–50% votes

British · United Kingdom · Age 48

8, Pipers Lane, Wirral, CH60 9HP

Notified 01/10/2025

Charges2 outstanding

Charge
outstanding

BARCLAYS BANK PLC

Created 12/08/2016Registered 27/08/2016
Charge
outstanding

BARCLAYS BANK PLC

Created 16/07/2016Registered 20/07/2016

CompanyRankvs 3762+ SIC 64999 peers
63

Financial strength38th percentile among SIC peers · 10/25
Employees86th percentile among SIC peers · 13/15
LiquidityCurrent ratio 16.26× · 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 strength10/25 pts

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

Employees13/15 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 30/04/2025

Net Worth

£150

Balance sheet strength

Cash

£66k

Cash in the bank

Net Current Assets

£215k

Working capital

Current Assets

£229k

Current Liabilities

£14k

Fixed Assets

£112k

Debtors

£162k

4avg. employees

Balance Sheet

Assets less current liabilities£327k
Prepared with IRIS Accounts Production

EstimatesDerived

YearCurrent Ratio
202516.26
20247.50
20233.35
20221.77
20211.61
20201.32
20191.06

Derived from filed accounts. Not audited figures.