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M & L Homes Ltd

07824145

active
Private Limited Company
Companies House
Health Score
65 / 100

Some Concerns

25/30
Filing
10/30
Financial
30/40
Risk
  • No accounts filed in last 18 months (-5)
  • Current liabilities exceed current assets (-10)
  • 22 outstanding charges (-10)

Details

35 NIMMINGS ROAD, HALESOWEN, B62 9JF
Incorporated 26/10/2011

Compliance

Accounts

Up to date

Confirmation statement

Up to date

Industry

68100
Buying and selling of own real estate
68209
Other letting and operating of own or leased real estate

Officers

Mr Martin David Scullard

director · Since 26/10/2011

SALES AGENT

BRITISH · ENGLAND · Age 47

Also on 3 other boards

Persons with Significant Control

Mr Martin David Scullard

75–100% shares

British · England · Age 47

35, Nimmings Road, Halesowen, B62 9JF

Notified 01/09/2016

Charges22 outstanding

Charge
outstanding

ONESAVINGS BANK PLC

Created 14/05/2026Registered 22/05/2026
Charge
outstanding

PENNBURY GROUP LIMITED

Created 05/05/2026Registered 19/05/2026
Charge
outstanding

SHAWBROOK BANK LIMITED

Created 01/05/2026Registered 05/05/2026
Charge
outstanding

ZOE ELIZABETH SMITH

Created 10/04/2026Registered 11/04/2026
Charge
outstanding

PARATUS AMC LIMITED

Created 03/02/2026Registered 05/02/2026
Charge
outstanding

ZOE ELIZABETH SMITH

Created 13/08/2024Registered 23/08/2024
Charge
outstanding

ONESAVINGS BANK PLC

Created 13/08/2024Registered 15/08/2024
Charge
outstanding

ZOE ELIZABETH SMITH

Created 26/01/2024Registered 14/02/2024
Charge
outstanding

SHAWBROOK BANK LIMITED

Created 12/12/2023Registered 12/12/2023
Charge
outstanding

HAMPSHIRE TRUST BANK PLC

Created 18/08/2023Registered 24/08/2023
Charge
outstanding

CASTLE TRUST CAPITAL PLC

Created 08/02/2023Registered 16/02/2023
Charge
outstanding

ZOE ELIZABETH SMITH

Created 27/01/2023Registered 07/02/2023
Charge
outstanding

SHAWBROOK BANK LIMITED

Created 21/12/2022Registered 22/12/2022
Charge
outstanding

LENDINVEST BTL LIMITED

Created 30/09/2021Registered 30/09/2021
Charge
satisfied

HAMPSHIRE TRUST BANK PLC (01311315)

Created 01/04/2021Registered 13/04/2021Satisfied 22/05/2026
Charge
satisfied

HAMPSHIRE TRUST BANK PLC (01311315)

Created 01/04/2021Registered 13/04/2021Satisfied 22/05/2026
Charge
outstanding

ZOE ELIZABETH SMITH

Created 20/04/2018Registered 24/04/2018
Charge
outstanding

ZOE ELIZABETH SMITH

Created 17/10/2017Registered 18/10/2017
Charge
outstanding

ONESAVINGS BANK PLC

Created 05/09/2017Registered 07/09/2017
Charge
outstanding

ONESAVINGS BANK PLC

Created 29/08/2017Registered 02/09/2017
Charge
satisfied

SHAWBROOK BANK LIMITED

Created 18/08/2017Registered 21/08/2017Satisfied 22/05/2026
Charge
outstanding

ONESAVINGS BANK PLC

Created 11/05/2017Registered 20/05/2017
Charge
outstanding

B.I.G. FINANCE LIMITED

Created 04/05/2017Registered 06/05/2017
Charge
outstanding

ONESAVINGS BANK PLC

Created 13/04/2017Registered 15/04/2017
Charge
outstanding

ONESAVINGS BANK PLC

Created 04/04/2017Registered 05/04/2017

CompanyRankvs 23014+ SIC 68100 peers
55

Financial strength95th percentile among SIC peers · 24/25
Employees60th percentile among SIC peers · 9/15
LiquidityCurrent ratio 0.01× · 2/20
Longevity15 years trading (max 15) · 15/15
Filing complianceAll filings up to date · 15/15
Outstanding charges -10
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23014M & L Homes Ltd
64
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.

Employees9/15 pts

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

Liquidity2/20 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 31/10/2024

Net Worth

£786k

Balance sheet strength

Cash

£3k

Cash in the bank

Net Current Assets

-£513k

Working capital

Current Assets

£3k

Current Liabilities

£516k

Fixed Assets

£6.0M

Debtors

£614

1avg. employees

Director Loans

Company owes directors£514k

Balance Sheet

Assets less current liabilities£5.5M
Signed by Mr Martin Scullard 31/07/2025Prepared with Acorah Software Products - Accounts Production

EstimatesDerived

YearCurrent RatioImplied Profit
20240.01+£417k
20230.06-£215k
20220.03+£197k
20210.05-£164k
20200.17+£691k
20190.96-£268k
20181.20+£115k
201710.33—

Derived from filed accounts. Not audited figures.