Company Overview
Keystone Commercial Mortgages Limited is listed at the official companies registry as Active Private Limited Company. The company was incorporated on Thursday 17 February 2005, so this is a well established company. Keystone Commercial Mortgages Limited has been in business for 21 years and 1 month. The accounts status is micro entity and the accounts are next due on Wednesday 30 September 2026.
Registered Address

42 Kings Hill Avenue, Kings Hill, West Malling, ME19 4AJ
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Companies House Data
Company NameKEYSTONE COMMERCIAL MORTGAGES LIMITED
Company Number05368462
Registered Office Address42 Kings Hill Avenue
 Kings Hill
 ME19 4AJ
Company CategoryPrivate Limited Company
Company StatusActive
Country of OriginUnited Kingdom
Incorporation Date17/02/2005
Accounting Reference Date Day31
Accounting Reference Date Month12
Accounts Next Due Date30/09/2027
Accounts Last Made Up Date31/12/2025
Accounts Account CategoryMICRO ENTITY
Returns Next Due Date17/03/2017
Returns Last Made Up Date17/02/2016
Previous Company NameChanged Date
KEYSTONE MORTGAGE GROUP LIMITED07 Nov 2016
Directors & Members
Show Resigned
Simon Whittaker - Director
(British, 73 years old, born October 1953)
Appointed 17 February 2005
 Active
David Whittaker - Director
(British, 68 years old, born July 1958)
Appointed 17 February 2005
 Active
Secretaries
Show Resigned
Elyse O'sheen - Secretary
Appointed 01 January 2022
 Active
Other Company Directorships
Simon Whittaker
INSURANCE SERVICES FOR BUSINESS LIMITED
KEYSTONE BTL ONE LIMITED
KEYSTONE BUSINESS MORTGAGES LIMITED
KEYSTONE BUY TO LET MORTGAGES LIMITED
KEYSTONE COMMERCIAL MORTGAGES LIMITED
KEYSTONE PROPERTY FINANCE LIMITED
KEYSTONE PROPERTY SERVICING LIMITED
KEYSTONE SPECIALIST LENDING LIMITED
MF BROKERS LIMITED
MFB LIMITED
MORTGAGE FINANCE BROKERS LIMITED
MORTGAGES FOR BUSINESS LIMITED
MORTGAGES FOR LANDLORDS LTD
PBG TRUSTEES LIMITED
SEWARD LIMITED
THE PROPERTY BUSINESS GROUP LIMITED
TRIANGLE CORPORATE SERVICES LIMITED
UK COMMERCIAL FUNDING (WALES) LIMITED
UK COMMERCIAL FUNDING GROUP LIMITED
David Whittaker
BECKENHAM M.C. LIMITED
INSURANCE SERVICES FOR BUSINESS LIMITED
KEYSTONE BTL ONE LIMITED
KEYSTONE BUSINESS MORTGAGES LIMITED
KEYSTONE BUY TO LET MORTGAGES LIMITED
KEYSTONE COMMERCIAL MORTGAGES LIMITED
KEYSTONE PROPERTY FINANCE LIMITED
KEYSTONE PROPERTY SERVICING LIMITED
KEYSTONE SPECIALIST LENDING LIMITED
KINGS HILL FUNDING LIMITED
KINGS HILL FUNDING NO 1 LIMITED
KINGS HILL FUNDING NO 2 LIMITED
KINGS HILL FUNDING NO 3 LIMITED
KINGS HILL FUNDING NO 4 LIMITED
KINGS HILL FUNDING NO 5 LIMITED
MFB LIMITED
MORTGAGE FINANCE BROKERS LIMITED
MORTGAGES FOR LANDLORDS LTD
NACFB MEMBER SERVICES LIMITED
PBG TRUSTEES LIMITED
THE BUSINESS MORTGAGE COMPANY SERVICES LIMITED
THE NATIONAL ASSOCIATION OF COMMERCIAL FINANCE BROKERS
THE PROPERTY BUSINESS GROUP LIMITED
UK COMMERCIAL FUNDING (WALES) LIMITED
UK COMMERCIAL FUNDING GROUP LIMITED
Balance Sheet Unlock full report
Accounts Date 31-Dec-2025 31-Dec-2022 31-Dec-2021
Balance Sheet
Fixed Assets -9,996 -9,996 -9,996
Current Assets 2 2 2
Creditors Due Within One Year -9,996 -9,996 -9,996
Working Cap 9,998 9,998 9,998
Total Assets Less Current Liabilities 2 2 2
Long-term Liabilities 19,992 19,992 19,992
Net Assets 2 2 2
Share Capital & Reserves
Share Cap - - -
Profit & Loss Reserves - - -
Other Reserves - - -
Shareholders Funds 2 2 2
Common Size Financial Analysis Unlock full report
Accounts Date 31-Dec-2025 31-Dec-2022 31-Dec-2021
Tangible Fixed Assets - - -
Fixed Assets 100.0% 100.0% 100.0%
Stocks Inventory - - -
Debtors - - -
Cash Bank In Hand - - -
Current Assets 0.0% 0.0% 0.0%
Creditors Due Within One Year 100.0% 100.0% 100.0%
Net Current Assets Liabilities -100.0% -100.0% -100.0%
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 0.0% 0.0% 0.0%
Capital Employed - - -
Total Assets Less Current Liabilities 0.0% 0.0% 0.0%
Financial Ratio Analysis Unlock full report
Accounts Date 31-Dec-2025 31-Dec-2022 31-Dec-2021
Liquidity Ratio 0.0 0.0 0.0
Solvency Ratio -1.0 -1.0 -1.0
Reserves to Assets - - -
Secured Creditors Unlock full report
Mortgages Charges 0
Mortgages Outstanding 0
Mortgages Part Satisfied 0
Mortgages Satisfied 0
Assets and Debt Analysis Unlock full report
Accounts Date 31-Dec-2025 31-Dec-2022 31-Dec-2021
Assets -9,994 -9,994 -9,994
Debt 9,996 9,996 9,996
Net Assets/Debt 2 2 2
It is not clear that the company was actively trading prior to the latest financial data filed. Examination of the full accounts may provide further information. If the company remains active on the company register it may have traded in the period since the date of the latest filed accounts. A full credit report may 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 ME19 4AJ
No other companies found in the same location
Document Filings
Director's details changed for Mr Simon William Whittaker on 16 March 2026
Confirmation statement made on 3 December 2025 with no updates
Director's details changed for Mr Simon William Whittaker on 17 October 2025
Registered office address changed from 17 Kings Hill Avenue Kings Hill West Malling Kent ME19 4UA England to 42 Kings Hill Avenue Kings Hill West Malling ME19 4AJ on 17 October 2025
Confirmation statement made on 3 December 2024 with no updates
Confirmation statement made on 3 December 2023 with no updates
Confirmation statement made on 3 December 2022 with no updates
Appointment of Elyse O'sheen as a secretary on 1 January 2022
Termination of appointment of Simon William Whittaker as a secretary on 1 January 2022
Confirmation statement made on 3 December 2021 with no updates
Current accounting period shortened from 31 March 2022 to 31 December 2021
Confirmation statement made on 17 February 2021 with no updates
Confirmation statement made on 17 February 2020 with no updates
Confirmation statement made on 17 February 2019 with no updates
Confirmation statement made on 17 February 2018 with no updates
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