Company Overview
Jlm Mortgage Network Ltd is listed at the official companies registry as Active Private Limited Company. The company was incorporated on Tuesday 18 March 2003, so this is a well established company. Jlm Mortgage Network Ltd has been in business for 23 years. The accounts status is total exemption full and the accounts are next due on Wednesday 31 December 2025.
Registered Address

122 Whinbush Road, Hitchin, SG5 1PN
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Companies House Data
Company NameJLM MORTGAGE NETWORK LTD
Company Number04701803
Registered Office Address122 Whinbush Road
 SG5 1PN
Company CategoryPrivate Limited Company
Company StatusActive
Country of OriginUnited Kingdom
Incorporation Date18/03/2003
Accounting Reference Date Day31
Accounting Reference Date Month3
Accounts Next Due Date31/12/2026
Accounts Last Made Up Date31/03/2025
Accounts Account CategoryTOTAL EXEMPTION FULL
Returns Next Due Date28/01/2017
Returns Last Made Up Date31/12/2015
Previous Company NameChanged Date
JLM MORTGAGE SERVICES LIMITED15 Nov 2021
Directors & Members
Show Resigned
Rory Joseph - Director
(British, 55 years old, born December 1971)
Appointed 15 June 2005
 Active
Sebastian Murphy - Director
(British, 52 years old, born August 1974)
Appointed 26 February 2020
 Active
Secretaries
Show Resigned
Other Company Directorships
Rory Joseph
CHARLIE PUFFIN GROUP LIMITED
CHARLIE PUFFIN WEALTH LIMITED
EQUITY RELEASE MORTGAGE ADVICE LTD
JLM INDEPENDENT WEALTH MANAGEMENT LTD
JLM MASTER BROKERS HITCHIN LTD
JLM MORTGAGE BROKERS LTD
JLM MORTGAGE SERVICES LIMITED
JLM NETWORK WEALTH LIMITED
JLM URBAN SPORTS MANAGEMENT SERVICES LIMITED
JLMMN HOLDING LIMITED
JM MARYLEBONE LIMITED
JOMUCO LTD
NOTT PYBUS & ASSOCIATES LIMITED
Sebastian Murphy
ABACUS ACCOUNTING TECHNICIANS LIMITED
CHARLIE PUFFIN GROUP LIMITED
EQUITY RELEASE MORTGAGE ADVICE LTD
FITCH & FITCH WEALTH LIMITED
JLM MASTER BROKERS HITCHIN LTD
JLM MORTGAGE SERVICES LIMITED
JLM URBAN SPORTS MANAGEMENT SERVICES LIMITED
JLMMN HOLDING LIMITED
JM MARYLEBONE PROPERTIES LTD
JOMUCO LTD
MASTER PRIVATE FINANCE LTD
Balance Sheet Unlock full report
Accounts Date 31-Mar-2025 31-Mar-2022 31-Mar-2021
Balance Sheet
Fixed Assets 135,050 135,050 177,178
Current Assets 2,472,428 2,472,428 2,161,818
Creditors Due Within One Year 1,176,387 1,176,387 1,287,158
Working Cap 1,296,041 1,296,041 874,660
Total Assets Less Current Liabilities 1,431,091 1,431,091 1,051,838
Long-term Liabilities 549,480 549,480 242,920
Net Assets 881,611 881,611 808,918
Share Capital & Reserves
Share Cap - - -
Profit & Loss Reserves - - -
Other Reserves - - -
Shareholders Funds 881,611 881,611 808,918
Common Size Financial Analysis Unlock full report
Accounts Date 31-Mar-2025 31-Mar-2022 31-Mar-2021
Tangible Fixed Assets - - -
Fixed Assets 5.2% 5.2% 7.6%
Stocks Inventory - - -
Debtors 66.2% 66.2% 49.8%
Cash Bank In Hand 24.6% 24.6% 39.0%
Current Assets 94.8% 94.8% 92.4%
Creditors Due Within One Year 45.1% 45.1% 55.0%
Net Current Assets Liabilities 49.7% 49.7% 37.4%
Creditors Due After One Year - - -
Accruals Deferred Income - - -
Provisions For Liabilities Charges - - -
Net Assets Liabilities Including Pension Asset Liability - - -
Called Up Share Capital - - -
Share Capital Allotted Called Up Paid - - -
Profit Loss Account Reserve - - -
Shareholder Funds 33.8% 33.8% 34.6%
Capital Employed - - -
Total Assets Less Current Liabilities 54.9% 54.9% 45.0%
Financial Ratio Analysis Unlock full report
Accounts Date 31-Mar-2025 31-Mar-2022 31-Mar-2021
Liquidity Ratio 2.1 2.1 1.7
Solvency Ratio 1.5 1.5 1.5
Reserves to Assets - - -
Secured Creditors Unlock full report
Mortgages Charges 2
Mortgages Outstanding 1
Mortgages Part Satisfied 0
Mortgages Satisfied 1
Assets and Debt Analysis Unlock full report
Accounts Date 31-Mar-2025 31-Mar-2022 31-Mar-2021
Assets 2,607,478 2,607,478 2,338,996
Debt 1,725,867 1,725,867 1,530,078
Net Assets/Debt 881,611 881,611 808,918

The following is based on the accounts data presented in this report sourced from Companies House, however the company has filed later accounts. Our analysis of the latest account can be viewed by unlocking our full report.

The company balance sheet displays a comfortable surplus of working capital. We would normally view this positively. Total reserves including retained profitability and movement in reserves appeared positive. We would normally view a company positively for this. For the size of the company inferred by the balance sheet the level of net assets suggests a comfortable level of cover for total debts and obligations.

Unlock full report  The following is based on the accounts data presented in this report sourced from Companies House, however the company has filed later accounts. Our analysis of the latest account can be viewed by unlocking our full report.The company balance sheet displays a comfortable surplus of working capital. We would normally view this positively. Total reserves including retained profitability and movement in reserves appeared positive. We would normally view a company positively for this. For the size of the company inferred by the balance sheet the level of net assets suggests a comfortable level of cover for total debts and obligations.   The following is based on the accounts data presented in this report sourced from Companies House, however the company has filed later accounts. Our analysis of the latest account can be viewed by unlocking our full report.The company balance sheet displays a comfortable surplus of working capital. We would normally view this positively. Total reserves including retained profitability and movement in reserves appeared positive. We would normally view a company positively for this. For the size of the company inferred by the balance sheet the level of net assets suggests a comfortable level of cover for total debts and obligations.

This review of public record balance sheet and company status information is presented under the terms of Open Government Licence and is for informational purposes only, is general in nature, and is not intended as an opinion or advice for any specific circumstances. The commentary and the colour band score is not a credit rating or credit risk assessment.

This review does not constitute a full credit rating or credit risk assessment based on the full analysis and credit score algorithms used in our credit reports. A full credit report may also provide information relating to trade payment history and county court or court judgments if any.

Public Record Information Unlock full report
Exact Court Judgements
Period of Months Last 12m 13-24m 25-36m 37-48m 49-60m 61-72m
Number of Exact CCJS X Y Y X X Y
Value of Exact CCJS YXY YK S S X KX
Supplier Credit Limits Unlock full report
Date Sector Notified Amount Terms
XK-SXY XKXYXK SXSKXYXK £X,000 XS XYSKS
SK-SYY SKXYXKYKKY KSXX KKXXYXS £YY,000 YS XYSKS SK YXXSXS
YK-SXY XKXYXYYK SXSXYXK £SX,000 XS XYSKS
Payment Records Unlock full report
Payment Records from it's suppliers' company ledger show how a company is paying its suppliers

Payment Analysis

Total Invoices Paid Before
30 days due		 Paid After
30 days due		 Owing Before
30 days due		 Owing after
30 days due
XYX SX K YX X
Company Valuation Analysis Unlock full report

Going Concern Valuation

The going concern valuations value the company on the basis that it continues to trade without the threat of liquidation for the foreseeable future. These valuations are primarily profit and cashflow based.

Valuations Valuation Measures
Estimated High Value £XSI,000 Retained Profit £YX,000
Estimated Mid Value £YY,000 EBIT £SY,000
Estimated Low Value £X,000 EBITDA £SSX,000

Liquidation Valuation

The liquidaton valuation values the company as if it were to cease trading and assets were subject to rapid disposal to cover liabilities. This valuation is primarily asset based.

Valuations Valuation Measures
Estimated High Value £XY,000 Total Assets £XIX,000
Estimated Mid Value £Y,000 Net Assets £YX,000
Estimated Low Value £S,000 Tangible Equity £SX,000

The above valuations are based on our own algorithms and take no account of many factors that can influence actual valuations realized and should not therefore be assumed to be accurate.
Credit Status Checklist Unlock full report
Business Growth Please purchase a report to see true comments
EBITDA Purchase a report to see true comments
Dividends Please purchase a report to see true comments about this company
Retained Profits Retained Profits for this company
Debt Interest Debt Interest for this company
Cash Flow Cash Flow for this company
CCJs CCJs for this company
Age of Company Age of Company for this company
Solvency Solvency for this company
Secured Creditors Secured Creditors for this company
Ownership Ownership for this company


First Report Score: (0-10) X
Financial Status Guide:
10 Very Strong
9 Strong
8 Very Good
7 Good
6 Above Average
5 Average
4 Below Average
3 Poor
2 Weak
1 Very Weak
0 Critical

Risk Score Trend

Risk Rating Unlock full report

This is the credit risk assessment used by one of the top UK credit reference agencies.

Risk Score (1-100) X
Risk Band Description XXMXMXMX SISX
Risk Assessment Meeting of Creditors
Credit Rating XSKX
Altman Z Score Credit Risk Rating Unlock full report

There have been many bankruptcy predictors developed, however none has been so thoroughly tested and broadly accepted as the Altman Z-Score.

Z Score X
Risk Band XY
Risk Band Description The Z Score is not used for small companies where full accounts are not filed because profit and loss account items are required to calculate the score.

Z Score Bands

1 Low Risk 3.00 and above
2 Caution 2.63 - 2.99
3 Risk of Failure within 2 years 1.24 - 2.62
4 High Probability Failure Below 1.24
Other Business around SG5 1PN
RAVEL LIMITED
98 WHINBUSH ROAD, HITCHIN, SG5 1PN
HALE HAWKINS AND CO LIMITED
98 WHINBUSH ROAD, HITCHIN, HERTS, SG5 1PN
RP HEALTH LIMITED
KING GEORGE SURGERY, 135 HIGH STREET, STEVENAGE, SG5 1PN
Document Filings
Registered office address changed from 21a Churchyard Hitchin Hertfordshire SG5 1HP England to 122 Whinbush Road Hitchin SG5 1PN on 17 September 2025
Confirmation statement made on 29 June 2025 with no updates
Change of details for Charlie Puffin Group Limited as a person with significant control on 8 July 2025
Notification of Charlie Puffin Group Limited as a person with significant control on 14 June 2024
Cessation of Rory Rajan Joseph as a person with significant control on 14 June 2024
Cessation of Hayley Joseph as a person with significant control on 14 June 2024
Confirmation statement made on 29 June 2024 with updates
Confirmation statement made on 31 December 2023 with updates
Confirmation statement made on 31 December 2022 with updates
Confirmation statement made on 31 December 2021 with updates
Certificate of change of name
Confirmation statement made on 31 December 2020 with updates
Appointment of Mr Sebastian Murphy as a director on 26 February 2020
Confirmation statement made on 31 December 2019 with updates
Registration of charge 047018030002, created on 2 December 2019
Satisfaction of charge 047018030001 in full
Registered office address changed from C/O S J Males & Co Basepoint Business & Innovation 110 Butterfield Luton Bedfordshire LU2 8DL to 21a Churchyard Hitchin Hertfordshire SG5 1HP on 4 April 2019
Statement of capital following an allotment of shares on 28 February 2019
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