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B B Mortgages Ltd

08057085

active
Private Limited Company
Companies House
Health Score
82 / 100

Healthy

30/30
Filing
20/30
Financial
32/40
Risk
  • 4 outstanding charges (-8)

Details

5 HIGH STREET, LINCOLN, LN5 0QX
Incorporated 03/05/2012

Compliance

Accounts

Up to date

Confirmation statement

Up to date

Industry

64999
Other financial service activities

Officers

Mr James Edward Carpenter

director · Since 03/05/2012

MORTGAGE ADVISOR

BRITISH · ENGLAND · Age 47

Also on 5 other boards

Mrs Carly Shantel Carpenter

director · Since 01/04/2013

NONE

BRITISH · UNITED KINGDOM · Age 41

Also on 2 other boards

Persons with Significant Control

Mr James Edward Carpenter

25–50% shares

British · England · Age 47

5, High Street, Lincoln, LN5 0QX

Notified 06/04/2017

Mrs Carly Shantel Carpenter

25–50% shares

British · England · Age 41

5, High Street, Lincoln, LN5 0QX

Notified 06/04/2017

Charges4 outstanding

Charge
outstanding

TSB BANK PLC

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outstanding

TSB BANK PLC

Created 06/06/2023Registered 26/06/2023
Charge
outstanding

CLYDESDALE BANK PLC (TRADING AS BOTH CLYDESDALE BANK AND YORKSHIRE BANK)

Created 30/07/2020Registered 12/08/2020
Charge
outstanding

NATIONAL WESTMINSTER BANK PLC

Created 20/04/2015Registered 21/04/2015

CompanyRankvs 2160+ SIC 64999 peers
68

Financial strength87th percentile among SIC peers · 22/25
Employees98th percentile among SIC peers · 15/15
LiquidityCurrent ratio 1.44× · 12/20
Longevity14 years trading (max 15) · 14/15
Filing complianceAll filings up to date · 15/15
Outstanding charges -10
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How is this score calculated?
Financial strength22/25 pts

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

Employees15/15 pts

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

Liquidity12/20 pts

Current assets ÷ current liabilities. A ratio above 2× earns full marks; between 1–2× scores partially; below 0.5× scores minimal points.

Longevity14/15 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

£277k

Balance sheet strength

Cash

£140k

Cash in the bank

Net Current Assets

£198k

Working capital

Current Assets

£646k

Current Liabilities

£448k

Fixed Assets

£319k

Debtors

£372k

15avg. employees+3

Tax at Year End

Corp tax£70k

Director Loans

Company owes directors£4k

Balance Sheet

Intangible assets£300k
Assets less current liabilities£517k
Signed by Mr James Carpenter 18 November 2025Prepared with Acorah Software Products - Accounts Production

EstimatesDerived

YearCurrent RatioImplied Profit
20251.44+£77k
20241.84-£50k
20232.66-£12k
20222.39+£82k
20213.24—

Derived from filed accounts. Not audited figures.