Back to search

Unique Mortgage & Life Solutions Ltd

09297897

active
Private Limited Company
Companies House
Health Score
76 / 100

Some Concerns

30/30
Filing
10/30
Financial
36/40
Risk
  • Current liabilities exceed current assets (-10)
  • 2 outstanding charges (-4)

Details

23 VICTORIA ROAD EAST, THORNTON-CLEVELEYS, FY5 5HT
Incorporated 06/11/2014

Compliance

Accounts

Up to date

Confirmation statement

Up to date

Industry

64922
64922

Officers

Mrs Suzanne Patricia Hedley

director · Since 06/11/2014

MORTGAGE CONSULTANT

BRITISH · UNITED KINGDOM · Age 57

Also on 1 other board

Persons with Significant Control

Mrs Suzanne Patricia Hedley

75–100% shares
ownership-of-shares-75-to-100-percent-as-trust
ownership-of-shares-75-to-100-percent-as-firm
75–100% votes
voting-rights-75-to-100-percent-as-trust
voting-rights-75-to-100-percent-as-firm
right-to-appoint-and-remove-directors-as-trust
significant-influence-or-control-as-trust

British · England · Age 57

23, Victoria Road East, Thornton-Cleveleys, FY5 5HT

Notified 10/10/2016

Charges2 outstanding

Charge
outstanding

LLOYDS BANK PLC

Created 28/03/2019Registered 02/04/2019
Charge
outstanding

LLOYDS BANK PLC

Created 31/12/2018Registered 31/12/2018

CompanyRankvs 100+ SIC 64922 peers
74

Financial strength91th percentile among SIC peers · 23/25
Employees94th percentile among SIC peers · 14/15
LiquidityCurrent ratio 4.05× · 20/20
Longevity12 years trading (max 15) · 12/15
Filing complianceAll filings up to date · 15/15
Outstanding charges -10
Show leaderboard
1Cmme Mortgages And Protection Limited
90
2Mwa Financial Advice Ltd
90
3Threshold Financial Services Limited
90
4Maher Brownsword Limited
89
5South West Mortgage Solutions Limited
89
6Uk Property Finance Limited
89
7Financial Profiles Limited
89
8Jordan Lynch Limited
89
9Private Wealth Mortgages Limited
89
10Visionary Finance Limited
89
100Unique Mortgage & Life Solutions Ltd
83
How is this score calculated?
Financial strength23/25 pts

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

Employees14/15 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.

Longevity12/15 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 30/11/2025

Net Worth

£117k

Balance sheet strength

Cash

£104k

Cash in the bank

Net Current Assets

£124k

Working capital

Current Assets

£164k

Current Liabilities

£41k

Fixed Assets

£31k

Debtors

£60k

5avg. employees

Balance Sheet

Assets less current liabilities£154k
Signed by Mrs SUZANNE HEDLEY 12/05/2026Prepared with Acorah Software Products - Accounts Production

EstimatesDerived

YearCurrent RatioImplied Profit
20254.05+£15k
20244.16+£2k
20238.03—

Derived from filed accounts. Not audited figures.