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Charnock Mortgages Ltd

14106810

active
Private Limited Company
Companies House
Health Score
80 / 100

Healthy

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

Details

SUITE 2, LESSCENT HOUSE WIGAN ROAD, WIGAN, WN4 0AR
Incorporated 13/05/2022

Compliance

Accounts

Up to date

Confirmation statement

Up to date

Industry

66190
Other activities auxiliary to financial services

Officers

Mr Stephen Charnock

director · Since 13/05/2022

DIRECTOR

BRITISH · ENGLAND · Age 46

Also on 1 other board

Persons with Significant Control

Miss Lorraine Crompton

25–50% shares

British · England · Age 36

Suite 2, Lesscent House, Wigan Road, Wigan, WN4 0AR

Notified 13/05/2022

Mr Stephen Charnock

25–50% shares
25–50% votes
Appoint directors

British · England · Age 46

Suite 2, Lesscent House, Wigan Road, Wigan, WN4 0AR

Notified 13/05/2022

CompanyRankvs 5581+ SIC 66190 peers
37

Financial strength10th percentile among SIC peers · 3/25
Employees63th percentile among SIC peers · 9/15
LiquidityCurrent ratio 0.68× · 6/20
Longevity4 years trading (max 15) · 4/15
Filing complianceAll filings up to date · 15/15
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5581Charnock Mortgages Ltd
33
How is this score calculated?
Financial strength3/25 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.

Longevity4/15 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 31/05/2025

Net Worth

-£4k

Balance sheet strength

Cash

—

Cash in the bank

Net Current Assets

-£4k

Working capital

Current Assets

£8k

Current Liabilities

£12k

Fixed Assets

£0

2avg. employees+1

Balance Sheet

Assets less current liabilities-£4k
Prepared with FreeAgent

EstimatesDerived

YearCurrent RatioImplied Profit
20250.68-£15k
20242.08-£5k
20232.50—

Derived from filed accounts. Not audited figures.