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Living By Sophia Limited

10910685

active
Private Limited Company
england wales
Companies House
Health Score
70 / 100

Some Concerns

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

Details

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

Compliance

Last accounts

31/10/2024

total exemption full

Next accounts due

31/07/2026

On track

Confirmation statement

Last: 29/06/2025

Due 13/07/2026

On track

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 07/02/2023
Charge
satisfied

ULTIMATE BRIDGING FINANCE LIMITED

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

CompanyRankvs 33743+ SIC 68100 peers
53

Financial strength94th percentile among SIC peers · 24/25
Employees60th percentile among SIC peers · 9/15
LiquidityCurrent ratio 0.87× · 6/20
Longevity9 years trading (max 15) · 9/15
Filing complianceAll filings up to date · 15/15
Outstanding charges -10
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How is this score calculated?
Financial strength24/25 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.

Liquidity6/20 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 31/10/2025

Net Worth

£547k

Balance sheet strength

Cash

£32k

Cash in the bank

Net Current Assets

-£25k

Working capital

Current Assets

£164k

Current Liabilities

£189k

Fixed Assets

£1.6M

Debtors

£132k

1avg. employees

Balance Sheet

Assets less current liabilities£1.6M
Signed by Miss S L Morbey 23 July 2026Prepared with Acorah Software Products - Accounts Production

EstimatesDerived

YearCurrent RatioImplied Profit
20250.87+£110k
20241.46+£168k
20230.28

Derived from filed accounts. Not audited figures.