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M & L Homes Ltd

07824145

active
Private Limited Company
england wales
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

Last accounts

31/10/2024

total exemption full

Next accounts due

31/07/2026

On track

Confirmation statement

Last: 26/10/2025

Due 09/11/2026

On track

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
75–100% votes

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 23146+ 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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23146M & 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—

Derived from filed accounts. Not audited figures.