Back to search

Gemstone Mortgages Ltd

10045238

active
Private Limited Company
Companies House
Health Score
88 / 100

Healthy

30/30
Filing
20/30
Financial
38/40
Risk
  • 1 outstanding charge (-2)

Details

36 NORTH HILL, COLCHESTER, CO1 1QR
Incorporated 07/03/2016

Compliance

Accounts

Up to date

Confirmation statement

Up to date

Industry

64999
Other financial service activities

Officers

Miss Gemma Louise Cuff

director · Since 07/03/2016

MORTGAGE ADVISOR

BRITISH · UNITED KINGDOM · Age 39

Also on 1 other board

Persons with Significant Control

Miss Gemma Louise Cuff

75–100% shares
75–100% votes

British · United Kingdom · Age 39

36, North Hill, Colchester, CO1 1QR

Notified 01/06/2017

Charges1 outstanding

Charge
outstanding

ADVANCE MORTGAGE FUNDING LIMITED

Created 12/08/2021Registered 25/08/2021

CompanyRankvs 7023+ SIC 64999 peers
54

Financial strength53th percentile among SIC peers · 13/25
Employees92th percentile among SIC peers · 14/15
LiquidityCurrent ratio 1.09× · 12/20
Longevity10 years trading (max 15) · 10/15
Filing complianceAll filings up to date · 15/15
Outstanding charges -10
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
7Yfm Private Equity Limited
90
8South West Investment Group Limited
90
9Dowgate Capital Limited
90
10Greystone Financial Services Limited
90
7023Gemstone Mortgages Ltd
64
How is this score calculated?
Financial strength13/25 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.

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.

Longevity10/15 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 30/06/2025

Net Worth

£5k

Balance sheet strength

Cash

£74k

Cash in the bank

Net Current Assets

£6k

Working capital

Current Assets

£78k

Current Liabilities

£71k

Fixed Assets

£24k

Debtors

£4k

6avg. employees

Tax at Year End

Corp tax£24k

Director Loans

Company owes directors£491

Balance Sheet

Assets less current liabilities£30k
Signed by Miss Gemma Cuff 11th March 2026Prepared with Acorah Software Products - Accounts Production

EstimatesDerived

YearCurrent RatioImplied Profit
20251.09+£0
20251.09+£2k
20242.07+£201
20232.26—
20221.46—
20211.78—

Derived from filed accounts. Not audited figures.