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Living By Sophia Limited

10910685

active
Private Limited Company
Companies House
Health Score
75 / 100

Some Concerns

25/30
Filing
20/30
Financial
30/40
Risk
  • No accounts filed in last 18 months (-5)
  • 17 outstanding charges (-10)

Details

THE GRANARY BUTLAS COURT, PLYMOUTH, PL7 5AB
Incorporated 11/08/2017

Compliance

Accounts

Up to date

Confirmation statement

Up to date

Industry

68100
Buying and selling of own real estate
68209
Other letting and operating of own or leased real estate
68320
Management of real estate on a fee or contract basis

Officers

Miss Sophie Louise Morbey

director · Since 11/08/2017

SELF-EMPLOYED

BRITISH · ENGLAND · Age 35

Also on 5 other boards

Persons with Significant Control

Former PSCs

Miss Sophie Louise Morbey

Ceased 17/07/2018

Mr Craig Lewis

Ceased 17/07/2018

Charges17 outstanding

Charge
outstanding

THE MORTGAGE LENDER LIMITED

Created 05/11/2025Registered 06/11/2025
Charge
outstanding

WEST ONE SECURED LOANS LIMITED

Created 29/11/2024Registered 13/12/2024
Charge
outstanding

MTF (LE) LIMITED

Created 27/11/2023Registered 06/12/2023
Charge
outstanding

MTF (LE) LIMITED

Created 27/11/2023Registered 01/12/2023
Charge
outstanding

PARATUS AMC LIMITED

Created 27/11/2023Registered 30/11/2023
Charge
outstanding

PARATUS AMC LIMITED

Created 27/11/2023Registered 30/11/2023
Charge
satisfied

ULTIMATE BRIDGING FINANCE LIMITED

Created 25/01/2023Registered 30/01/2023Satisfied 20/11/2024
Charge
satisfied

ULTIMATE BRIDGING FINANCE LIMITED

Created 25/01/2023Registered 26/01/2023Satisfied 20/11/2024
Charge
satisfied

ULTIMATE BRIDGING FINANCE LIMITED

Created 25/01/2023Registered 26/01/2023Satisfied 07/02/2023
Charge
outstanding

LANDBAY PARTNERS LIMITED

Created 21/06/2022Registered 21/06/2022
Charge
outstanding

LANDBAY PARTNERS LIMITED

Created 21/06/2022Registered 21/06/2022
Charge
outstanding

CHL MORTGAGES FOR INTERMEDIARIES LIMITED

Created 08/04/2022Registered 11/04/2022
Charge
outstanding

ONESAVINGS BANK PLC

Created 08/10/2021Registered 11/10/2021
Charge
outstanding

SHAWBROOK BANK LIMITED

Created 18/06/2021Registered 21/06/2021
Charge
outstanding

ONESAVINGS BANK PLC

Created 01/06/2021Registered 01/06/2021
Charge
outstanding

ONESAVINGS BANK PLC T/A KENT RELIANCE

Created 09/03/2021Registered 15/03/2021
Charge
outstanding

SHAWBROOK BANK LIMITED

Created 09/10/2020Registered 12/10/2020
Charge
outstanding

SHAWBROOK BANK LIMITED

Created 16/09/2020Registered 17/09/2020
Charge
outstanding

PARAGON BANK PLC

Created 11/07/2019Registered 16/07/2019
Charge
outstanding

ALDERMORE BANK PLC

Created 14/09/2018Registered 20/09/2018
Charge
satisfied

NIKKI TRATHEN

Created 08/01/2018Registered 11/01/2018Satisfied 03/05/2019
Charge
satisfied

ONGAR FIFTY TWO LIMITED

Created 08/01/2018Registered 11/01/2018Satisfied 03/05/2019

CompanyRankvs 18460+ SIC 68100 peers
58

Financial strength93th percentile among SIC peers · 23/25
Employees60th percentile among SIC peers · 9/15
LiquidityCurrent ratio 1.46× · 12/20
Longevity9 years trading (max 15) · 9/15
Filing complianceAll filings up to date · 15/15
Outstanding charges -10
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18460Living By Sophia Limited
67
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.

Employees9/15 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.

Longevity9/15 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 31/10/2024

Net Worth

£437k

Balance sheet strength

Cash

£20k

Cash in the bank

Net Current Assets

£159k

Working capital

Current Assets

£503k

Current Liabilities

£343k

Fixed Assets

£972k

Debtors

£483k

1avg. employees

Balance Sheet

Assets less current liabilities£1.1M
Signed by Miss S L Morbey 23 July 2025Prepared with Acorah Software Products - Accounts Production

EstimatesDerived

YearCurrent RatioImplied Profit
20241.46+£168k
20230.28+£7k
20220.55+£14k
20211.01+£156k
20204.80+£74k
20194.20+£9
20180.65—

Derived from filed accounts. Not audited figures.