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Your Mortgage People Limited

08503153

active
Private Limited Company
england wales
Companies House
Health Score
90 / 100

Healthy

30/30
Filing
20/30
Financial
40/40
Risk
  • Going concern doubt noted in accounts (-10)

Details

FAIR TRADE HOUSE, FAREHAM, PO15 5SH
Incorporated 24/04/2013

Compliance

Last accounts

31/12/2024

full

Next accounts due

30/09/2026

On track

Confirmation statement

Last: 01/03/2026

Due 15/03/2027

On track

Industry

66220
Activities of insurance agents and brokers

Officers

Mr Scott James Andrew Harris

director · Since 01/10/2018

COMPANY DIRECTOR

BRITISH · ENGLAND · Age 46

Also on 1 other board

Mr Graham Downes

director · Since 10/03/2022

SALES DIRECTOR

BRITISH · ENGLAND · Age 51

Mr Paul Hinton

director · Since 10/03/2022

DIRECTOR

BRITISH · ENGLAND · Age 50

Miss Fiona Avril Young

director · Since 10/03/2022

OPERATIONS DIRECTOR

BRITISH · ENGLAND · Age 43

Ms Amba Marie Mendez

director · Since 01/04/2024

DIRECTOR OF HR & FACILITIES

BRITISH · ENGLAND · Age 36

Ms Victoria Jayne Hemmings

director · Since 20/10/2025

DIRECTOR

BRITISH · ENGLAND · Age 41

Also on 1 other board

Persons with Significant Control

Lance Consolidation Limited

75–100% shares
75–100% votes

Fair Trade House, 3 Whittle Avenue, Fareham, PO15 5SH

Reg: 12695462 · Companies House · England And Wales

Notified 30/11/2020

Former PSCs

Mr Timothy James Hayes

Ceased 01/07/2018

Mr Timothy James Hayes

Ceased 01/10/2018

Mr James Jerold Reed

Ceased 01/07/2018

Mr Scott James Andrew Harris

Ceased 01/07/2018

Mr Scott James Andrew Harris

Ceased 30/06/2022

Mr James Jerold Reed

Ceased 30/11/2020

The Protection Specialist Limited

Ceased 15/12/2022

CompanyRankvs 79+ SIC 66220 peers
78

Financial strength99th percentile among SIC peers · 25/25
Employees100th percentile among SIC peers · 15/15
LiquidityCurrent ratio 6.09× · 20/20
Longevity13 years trading (max 15) · 13/15
Filing complianceAll filings up to date · 15/15
Going concern doubt -10
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How is this score calculated?
Financial strength25/25 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.

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.

Longevity13/15 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

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 co

Key FinancialsYear ending 31/12/2024

Turnover

£10.1M

Annual revenue

Net Worth

£5.4M

Balance sheet strength

Cash

£521k

Cash in the bank

Profit Before Tax

£2.2M

Bottom line earnings

Net Current Assets

£5.8M

Working capital

Current Assets

£6.9M

Current Liabilities

£1.1M

Fixed Assets

£3k

Debtors

£6.4M

Gross Profit

£10.1M

Admin Expenses

£6.3M

Operating Profit

£2.2M

Profit After Tax

£1.8M

140avg. employees+24

Tax at Year End

Corp tax£331k
Dividends paid-£319k

People Costs

Wages & salaries£4.6M
NI contributions£467k

Balance Sheet

Assets less current liabilities£5.8M
Prepared with Caseware UK (AP4) 2024.0.164

EstimatesDerived

YearCurrent RatioImplied Profit
20246.09+£1.5M
20232.50-£1.1M
20223.99+£3.4M
20227.40+£1.2M
20218.25+£1.0M
20202.37-£585k
20192.23
2018Infinity

Derived from filed accounts. Not audited figures.