Back to search

Fair Mortgages Limited

09308386

active
Private Limited Company
england wales
Companies House
Health Score
80 / 100

Healthy

30/30
Filing
10/30
Financial
40/40
Risk
  • Negative net worth (-10)

Details

KINGS HOUSE, BRISTOL, BS1 5EH
Incorporated 12/11/2014

Compliance

Last accounts

30/04/2025

total exemption full

Next accounts due

31/01/2027

On track

Confirmation statement

Last: 12/11/2025

Due 26/11/2026

On track

Industry

64999
Other financial service activities

Officers

Mr James Alexander Caldwell

director · Since 12/11/2014

DIRECTOR

BRITISH · ENGLAND · Age 58

Also on 6 other boards

Mr Oliver Roylance-Smith

director · Since 12/11/2014

DIRECTOR

BRITISH · ENGLAND · Age 50

Also on 4 other boards

Persons with Significant Control

Mrs Emma Susan Caldwell

25–50% shares

British · United Kingdom · Age 60

Kings House, 14 Orchard Street, Bristol, BS1 5EH

Notified 30/06/2016

Mr James Alexander Caldwell

Significant control

British · England · Age 58

Kings House, 14 Orchard Street, Bristol, BS1 5EH

Notified 30/06/2016

Mr Oliver Roylance-Smith

25–50% shares

British · England · Age 50

Kings House, 14 Orchard Street, Bristol, BS1 5EH

Notified 30/06/2016

CompanyRankvs 13352+ SIC 64999 peers
48

Financial strength2th percentile among SIC peers · 1/25
Employees0th percentile among SIC peers · 0/15
LiquidityCurrent ratio 64.37× · 20/20
Longevity12 years trading (max 15) · 12/15
Filing complianceAll filings up to date · 15/15
Show leaderboard
1Atlanta Trust Limited
90
2Bishopsgate Corporate Finance Limited
90
3M.W. Beer & Co. Limited
90
4Mirabaud Asset Management Limited
90
5Chelsea Financial Services Plc
90
6Gee & Watson Wealth Management Limited
90
7Mileshield Commercial Funding Limited
90
8Yfm Private Equity Limited
90
9Dentons Pension Management Limited
90
10South West Investment Group Limited
90
13352Fair Mortgages Limited
47
How is this score calculated?
Financial strength1/25 pts

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

Employees0/15 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.

Maximum score is 100. Deductions apply for insolvency history, outstanding charges, going concern doubt, or disqualified officers.

Key FinancialsYear ending 30/04/2025

Net Worth

-£231k

Balance sheet strength

Cash

£10k

Cash in the bank

Net Current Assets

£9k

Working capital

Current Assets

£10k

Current Liabilities

£149

Director Loans(2023)

Company owes directors£15k

Balance Sheet

Assets less current liabilities£9k
Signed by Mr Oliver Roylance-Smith 3 June 2025Prepared with Acorah Software Products - Accounts Production

EstimatesDerived

YearCurrent RatioImplied Profit
202564.37-£2k
202436.49-£2k
202314.17-£947
20220.26—
20210.01—
2020—-£8k
2019—-£36k
20180.07—

Derived from filed accounts. Not audited figures.