The Mortgage Lender Limited
09280057
Some Concerns
- No accounts filed in last 18 months (-5)
- Current liabilities exceed current assets (-10)
- 3 outstanding charges (-6)
Details
Compliance
Last accounts
31/12/2024
audit exemption subsidiary
Next accounts due
30/09/2026
Confirmation statement
Last: 23/10/2025
Due 06/11/2026
Industry
Officers
Mr Miguel Sard
director · Since 03/02/2025
COMPANY DIRECTOR
SPANISH · ENGLAND · Age 61
Mr Neil Edward Rudge
director · Since 23/03/2026
BRITISH · ENGLAND · Age 53
Former
director · Resigned 10/07/2017
director · Resigned 16/05/2018
director · Resigned 07/01/2019
director · Resigned 09/04/2020
director · Resigned 27/02/2021
Mr John Patrick Eastgate
director · Resigned 08/11/2021
director · Resigned 08/11/2021
director · Resigned 31/12/2021
director · Resigned 11/07/2022
director · Resigned 11/03/2024
director · Resigned 31/05/2024
secretary · Resigned 31/05/2024
director · Resigned 27/08/2024
director · Resigned 11/12/2024
director · Resigned 03/02/2025
director · Resigned 03/02/2025
director · Resigned 23/03/2026
Persons with Significant Control
Shawbrook Bank Limited
Lutea House, The Drive Warley Hill Business Park, Brentwood, CM13 3BE
Reg: 00388466 · Companies House Uk · Private Company Limited By Shares
Notified 26/02/2021
Former PSCs
Mrs Maureen Bernadette Pothecary
Ceased 26/02/2021
Mr Trevor John Pothecary
Ceased 26/02/2021
Shawbrook Bank Limited
Ceased 26/03/2018
Charges3 outstanding
SHAWBROOK BANK LIMITED
SHAWBROOK BANK LIMITED
BARCLAYS BANK PLC
Change History
Active
Private Limited Company
LUTEA HOUSE THE DRIVE, WARLEY HILL BUSINESS PARK
BRENTWOOD
CompanyRankvs 63+ SIC 64922 peers77
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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
Outstanding charges: -10 pts
Maximum score is 100. Deductions apply for insolvency history, outstanding charges, going concern doubt, or disqualified officers.
Key FinancialsYear ending 31/12/2023
Turnover
£48.9M
Annual revenue
Net Worth
£15.3M
Balance sheet strength
Cash
£1.7M
Cash in the bank
Profit Before Tax
£15.8M
Bottom line earnings
Net Current Assets
£14.1M
Working capital
Current Assets
£20.3M
Current Liabilities
£6.3M
Fixed Assets
£1.3M
Debtors
£18.6M
Cost of Sales
£10.4M
Gross Profit
£38.5M
Admin Expenses
£22.9M
Operating Profit
£15.6M
Balance Sheet
EstimatesDerived
| Year | Current Ratio |
|---|---|
| 2023 | 3.25 |
Derived from filed accounts. Not audited figures.