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M Bray Property Ltd

11011320

active
Private Limited Company
england wales
Companies House
Health Score
60 / 100

Some Concerns

30/30
Filing
0/30
Financial
30/40
Risk
  • Negative net worth (-10)
  • Current liabilities exceed current assets (-10)
  • 13 outstanding charges (-10)

Details

6 BEECHSIDE, CRAWLEY, RH10 6TL
Incorporated 13/10/2017

Compliance

Last accounts

31/10/2025

micro entity

Next accounts due

31/07/2027

On track

Confirmation statement

Last: 12/10/2025

Due 26/10/2026

On track

Industry

68100
Buying and selling of own real estate
68201
Renting and operating of Housing Association 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

Mr Matthew Bray

director · Since 13/10/2017

DIRECTOR

ENGLISH · ENGLAND · Age 42

Persons with Significant Control

Mr Matthew Bray

75–100% shares

English · England · Age 42

6, Beechside, Crawley, RH10 6TL

Notified 13/10/2017

Charges13 outstanding

Charge
outstanding

FLEET MORTGAGES LIMITED

Created 23/04/2026Registered 28/04/2026
Charge
outstanding

TOGETHER COMMERCIAL FINANCE LIMITED

Created 16/12/2025Registered 17/12/2025
Charge
outstanding

TOGETHER COMMERCIAL FINANCE LIMITED

Created 16/12/2025Registered 17/12/2025
Charge
outstanding

PARAGON BANK PLC

Created 12/09/2025Registered 18/09/2025
Charge
outstanding

TOGETHER COMMERCIAL FINANCE LIMITED

Created 05/09/2025Registered 09/09/2025
Charge
outstanding

TOGETHER COMMERCIAL FINANCE LIMITED

Created 05/09/2025Registered 09/09/2025
Charge
outstanding

KENSINGTON MORTGAGE COMPANY LIMITED

Created 01/04/2025Registered 01/04/2025
Charge
outstanding

FLEET MORTGAGES LIMITED

Created 13/02/2025Registered 20/02/2025
Charge
satisfied

TOGETHER COMMERCIAL FINANCE LIMITED

Created 08/07/2024Registered 08/07/2024Satisfied 25/03/2025
Charge
satisfied

TOGETHER COMMERCIAL FINANCE LIMITED

Created 08/07/2024Registered 08/07/2024Satisfied 23/03/2025
Charge
outstanding

THE MORTGAGE WORKS (UK) PLC

Created 02/04/2024Registered 02/04/2024
Charge
outstanding

KENSINGTON MORTGAGE COMPANY LIMITED

Created 01/08/2023Registered 02/08/2023
Charge
satisfied

PARAGON BANK PLC

Created 31/03/2023Registered 03/04/2023Satisfied 06/04/2025
Charge
outstanding

THE MORTGAGE WORKS (UK) PLC

Created 17/10/2022Registered 25/10/2022
Charge
satisfied

NOTTINGHAM BUILDING SOCIETY

Created 30/05/2022Registered 06/06/2022Satisfied 23/03/2025
Charge
outstanding

PARAGON BANK PLC

Created 01/11/2021Registered 05/11/2021
Charge
satisfied

THE MORTGAGE WORKS (UK) PLC

Created 30/07/2021Registered 02/08/2021Satisfied 23/03/2025
Charge
satisfied

NOTTINGHAM BUILDING SOCIETY

Created 28/08/2020Registered 28/08/2020Satisfied 23/03/2025
Charge
outstanding

THE MORTGAGE WORKS (UK) PLC

Created 08/06/2020Registered 08/06/2020
Charge
satisfied

KENSINGTON MORTGAGE COMPANY LIMITED

Created 29/10/2019Registered 30/10/2019Satisfied 23/03/2025
Charge
satisfied

PARAGON BANK PLC · PARAGON MORTGAGES (2010) LIMITED

Created 07/06/2018Registered 19/06/2018Satisfied 25/03/2025
Charge
satisfied

PARAGON BANK PLC

Created 07/06/2018Registered 19/06/2018Satisfied 23/03/2025

CompanyRankvs 49973+ SIC 68100 peers
44

Financial strength3th percentile among SIC peers · 1/25
Employees60th percentile among SIC peers · 9/15
LiquidityCurrent ratio 9.68× · 20/20
Longevity9 years trading (max 15) · 9/15
Filing complianceAll filings up to date · 15/15
Outstanding charges -10
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49973M Bray Property Ltd
53
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.

Employees9/15 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.

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

-£122k

Balance sheet strength

Cash

—

Cash in the bank

Net Current Assets

£50k

Working capital

Current Assets

£56k

Current Liabilities

£6k

Fixed Assets

£2.0M

1avg. employees+1

Balance Sheet

Assets less current liabilities£2.1M
Signed by Mr Matthew Bray 21/04/2026Prepared with Acorah Software Products - Accounts Production

EstimatesDerived

YearCurrent RatioImplied Profit
20259.68-£91k
2024290.20+£33k
20230.01+£7k
20220.05-£13k
20210.26+£4k
2020—-£15k
2019—-£18k

Derived from filed accounts. Not audited figures.