M & R Fm Ltd
07968454
Some Concerns
- No accounts filed in last 18 months (-5)
- Current liabilities exceed current assets (-10)
- Going concern doubt noted in accounts (-10)
Details
Compliance
Accounts
Confirmation statement
Industry
Officers
director · Since 28/02/2012
MORTGAGE ADVISOR
BRITISH · ENGLAND · Age 44
Also on 1 other board
director · Since 28/02/2012
MORTGAGE ADVISOR
BRITISH · UNITED KINGDOM · Age 46
Also on 6 other boards
director · Since 15/09/2025
CHIEF EXECUTIVE
BRITISH · UNITED KINGDOM · Age 64
Also on 18 other boards
director · Since 15/09/2025
DIRECTOR
FRENCH · UNITED KINGDOM · Age 45
Also on 13 other boards
director · Since 15/09/2025
DIRECTOR
BRITISH · UNITED KINGDOM · Age 46
Also on 9 other boards
Persons with Significant Control
First Mortgage Direct Limited
30, Walker Street, Edinburgh, EH3 7HR
Reg: Sc175659 · Companies House Edinburgh · Private Limited Company
Notified 03/04/2025
Former PSCs
Mr Ben Fulton Riley
Ceased 15/09/2025
Mr Philip Mcguire
Ceased 15/09/2025
Charges0 outstanding
LLOYDS BANK PLC
LLOYDS BANK PLC
LLOYDS BANK PLC
LLOYDS BANK PLC
CompanyRankvs 429+ SIC 64999 peers77
Show leaderboard
How is this score calculated?
Net worth compared to all companies in the same SIC code with published accounts. Top quartile earns the full 25 points.
Workforce size relative to sector peers from the most recent accounts. A larger team generally signals commercial scale.
Current assets ÷ current liabilities. A ratio above 2× earns full marks; between 1–2× scores partially; below 0.5× scores minimal points.
One point per year of operation since incorporation, capped at 15. Older companies have a proven track record.
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
Maximum score is 100. Deductions apply for insolvency history, outstanding charges, going concern doubt, or disqualified officers.
Going Concern Doubt
we have not identified any material uncertainties relating to events or conditions that, individually or collectively, may cast significant doubt on the Company's ability to continue as a going concern for a period of at least twelve months from when the financial statements are authorised for issue. Our responsibilities and the responsibilities of the directors with respect to going concern are d
Key FinancialsYear ending 31/12/2022
Turnover
£3.2M
Annual revenue
Net Worth
£733k
Balance sheet strength
Cash
£982k
Cash in the bank
Profit Before Tax
£744k
Bottom line earnings
Net Current Assets
£902k
Working capital
Current Assets
£1.2M
Current Liabilities
£297k
Fixed Assets
£46k
Debtors
£217k
Cost of Sales
£465k
Gross Profit
£2.7M
Admin Expenses
£2.0M
Operating Profit
£742k
Profit After Tax
£600k
Tax at Year End
Director Loans(2018)
People Costs
Balance Sheet
EstimatesDerived
| Year | Current Ratio | Implied Profit |
|---|---|---|
| 2022 | 4.04 | -£132k |
| 2020 | 3.86 | -£255k |
| 2019 | 4.11 | +£304k |
| 2018 | 3.30 | — |
Derived from filed accounts. Not audited figures.