Company Overview
Advanced Mortgage Lending Ltd is listed at the official companies registry as Active Private Limited Company. The company was incorporated on Friday 26 November 2004, so this is a well established company. Advanced Mortgage Lending Ltd has been in business for 21 years and 4 months. The accounts status is micro entity and the accounts are next due on Monday 31 August 2026.
Registered Address

42-44 West Street, Fareham, Hampshire, PO16 0JN
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Companies House Data
Company NameADVANCED MORTGAGE LENDING LTD
Company Number05297126
Registered Office Address42-44 West Street
 PO16 0JN
Company CategoryPrivate Limited Company
Company StatusActive
Country of OriginUnited Kingdom
Incorporation Date26/11/2004
Accounting Reference Date Day30
Accounting Reference Date Month11
Accounts Next Due Date31/08/2027
Accounts Last Made Up Date30/11/2025
Accounts Account CategoryMICRO ENTITY
Returns Next Due Date24/12/2016
Returns Last Made Up Date26/11/2015
Previous Company NameChanged Date
ADVANCED FINANCIAL SOLUTIONS SOLENT LIMITED12 Apr 2007
Directors & Members
Show Resigned
Christopher Nicolaou - Director
(British, 61 years old, born September 1965)
Appointed 12 July 2005
 Active
Secretaries
Show Resigned
Louise Nicolaou - Secretary
(British)
Appointed 31 January 2007
 Active
Other Company Directorships
Christopher Nicolaou
ADVANCED MARINE REFIT UK LTD
AWARD MORTGAGES SOUTHERN LIMITED
THE TRAINING HUTS LIMITED
Balance Sheet Unlock full report
Accounts Date 30-Nov-2025 30-Nov-2022 30-Nov-2021
Balance Sheet
Fixed Assets 459,180 459,180 382,498
Current Assets 171,903 171,903 98,248
Creditors Due Within One Year 92,428 92,428 45,834
Working Cap 79,475 79,475 52,414
Total Assets Less Current Liabilities 538,655 538,655 434,912
Long-term Liabilities 152,631 152,631 192,000
Net Assets 386,024 386,024 242,912
Share Capital & Reserves
Share Cap - - -
Profit & Loss Reserves - - -
Other Reserves - - -
Shareholders Funds 386,024 386,024 242,912
Common Size Financial Analysis Unlock full report
Accounts Date 30-Nov-2025 30-Nov-2022 30-Nov-2021
Tangible Fixed Assets - - -
Fixed Assets 72.8% 72.8% 79.6%
Stocks Inventory - - -
Debtors - - -
Cash Bank In Hand - - -
Current Assets 27.2% 27.2% 20.4%
Creditors Due Within One Year 14.6% 14.6% 9.5%
Net Current Assets Liabilities 12.6% 12.6% 10.9%
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 61.2% 61.2% 50.5%
Capital Employed - - -
Total Assets Less Current Liabilities 85.4% 85.4% 90.5%
Financial Ratio Analysis Unlock full report
Accounts Date 30-Nov-2025 30-Nov-2022 30-Nov-2021
Liquidity Ratio 1.9 1.9 2.1
Solvency Ratio 2.6 2.6 2.0
Reserves to Assets - - -
Secured Creditors Unlock full report
Mortgages Charges 2
Mortgages Outstanding 0
Mortgages Part Satisfied 0
Mortgages Satisfied 2
Assets and Debt Analysis Unlock full report
Accounts Date 30-Nov-2025 30-Nov-2022 30-Nov-2021
Assets 631,083 631,083 480,746
Debt 245,059 245,059 237,834
Net Assets/Debt 386,024 386,024 242,912

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
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56 West Street, Fareham, PO16 0JN
NAILZ INC. LIMITED
42-44 West St, Fareham, Hants, PO16 0JN
KUNGFU FAREHAM LTD
5 Mercia Business Village, Torwood Close, Coventry, West Midlands, PO16 0JN
Document Filings
Confirmation statement made on 5 February 2026 with updates
Satisfaction of charge 052971260002 in full
Satisfaction of charge 052971260001 in full
Confirmation statement made on 25 July 2025 with updates
Confirmation statement made on 13 October 2024 with updates
Statement of capital following an allotment of shares on 6 June 2024
Sub-division of shares on 5 June 2024
Resolutions
Resolutions
Memorandum and Articles of Association
Confirmation statement made on 13 October 2023 with no updates
Confirmation statement made on 13 October 2022 with no updates
Registered office address changed from Ground Floor 14 East Street Fareham Hampshire PO16 0BN to 42-44 West Street Fareham Hampshire PO16 0JN on 28 February 2022
Registration of charge 052971260002, created on 22 October 2021
Confirmation statement made on 13 October 2021 with no updates
Registration of charge 052971260001, created on 29 July 2021
Confirmation statement made on 4 November 2020 with no updates
Confirmation statement made on 26 November 2019 with no updates
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