Company Overview
Uk Mortgage Experts Ltd is listed at the official companies registry as Active Private Limited Company. The company was incorporated on Thursday 15 October 2015, so this is a well established company. Uk Mortgage Experts Ltd has been in business for 10 years and 5 months. The accounts status is total exemption full and the accounts are next due on Tuesday 28 July 2026.
Registered Address

131 High Street, Harrogate, HG2 7LL
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Companies House Data
Company NameUK MORTGAGE EXPERTS LTD
Company Number09826807
Registered Office Address131 High Street
 HG2 7LL
Company CategoryPrivate Limited Company
Company StatusActive
Country of OriginUnited Kingdom
Incorporation Date15/10/2015
Accounting Reference Date Day28
Accounting Reference Date Month10
Accounts Next Due Date28/07/2027
Accounts Last Made Up Date31/10/2025
Accounts Account CategoryTOTAL EXEMPTION FULL
Returns Next Due Date12/11/2016
Directors & Members
Paul Onslow - Director
(British, 56 years old, born May 1970)
Appointed 15 October 2015
 Active
Secretaries
No Secretaries Appointed
Other Company Directorships
Paul Onslow
AUSTIN MORTGAGES LTD
AUSTIN UK LIMITED
COUNTY & REGIONAL INSURANCE SERVICES LIMITED
IN-VOCATION RECRUITMENT LIMITED
LH RESIDENTIAL LIMITED
WE DO IRONING LIMITED
Balance Sheet Unlock full report
Accounts Date 31-Oct-2025 31-Oct-2022 31-Oct-2021
Balance Sheet
Fixed Assets 86,155 86,155 91,082
Current Assets 87,122 87,122 70,878
Creditors Due Within One Year 59,390 59,390 25,357
Working Cap 27,732 27,732 45,521
Total Assets Less Current Liabilities 113,887 113,887 136,603
Long-term Liabilities 97,036 97,036 117,123
Net Assets 16,851 16,851 19,480
Share Capital & Reserves
Share Cap - - -
Profit & Loss Reserves - - -
Other Reserves - - -
Shareholders Funds 16,851 16,851 19,480
Common Size Financial Analysis Unlock full report
Accounts Date 31-Oct-2025 31-Oct-2022 31-Oct-2021
Tangible Fixed Assets - - -
Fixed Assets 49.7% 49.7% 56.2%
Stocks Inventory - - -
Debtors 50.2% 50.2% 4.4%
Cash Bank In Hand 0.1% 0.1% 39.3%
Current Assets 50.3% 50.3% 43.8%
Creditors Due Within One Year 34.3% 34.3% 15.7%
Net Current Assets Liabilities 16.0% 16.0% 28.1%
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 9.7% 9.7% 12.0%
Capital Employed - - -
Total Assets Less Current Liabilities 65.7% 65.7% 84.3%
Financial Ratio Analysis Unlock full report
Accounts Date 31-Oct-2025 31-Oct-2022 31-Oct-2021
Liquidity Ratio 1.5 1.5 2.8
Solvency Ratio 1.1 1.1 1.1
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-Oct-2025 31-Oct-2022 31-Oct-2021
Assets 173,277 173,277 161,960
Debt 156,426 156,426 142,480
Net Assets/Debt 16,851 16,851 19,480

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 has some deficiency. The balance sheet presents modest net assets. For the size of the company inferred by the balance sheet this level of net assets suggests total debts and obligations were moderately well covered.

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 has some deficiency. The balance sheet presents modest net assets. For the size of the company inferred by the balance sheet this level of net assets suggests total debts and obligations were moderately well covered.   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 has some deficiency. The balance sheet presents modest net assets. For the size of the company inferred by the balance sheet this level of net assets suggests total debts and obligations were moderately well covered.

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 HG2 7LL
PENNINGTONS MAN AND VAN HIRE LIMITED
115 High Street, Harrogate, HG2 7LL
Document Filings
Confirmation statement made on 13 January 2026 with no updates
Previous accounting period shortened from 29 October 2024 to 28 October 2024
Confirmation statement made on 14 February 2025 with no updates
Previous accounting period shortened from 30 October 2023 to 29 October 2023
Previous accounting period shortened from 31 October 2023 to 30 October 2023
Confirmation statement made on 12 March 2024 with no updates
Current accounting period extended from 29 October 2023 to 31 October 2023
Confirmation statement made on 17 May 2023 with no updates
Confirmation statement made on 13 June 2022 with no updates
Previous accounting period shortened from 30 October 2020 to 29 October 2020
Confirmation statement made on 13 July 2021 with no updates
Confirmation statement made on 9 September 2020 with updates
Change of details for Mr Paul Austin Onslow as a person with significant control on 12 August 2020
Notification of Rebecca Louise Onslow as a person with significant control on 12 August 2020
Confirmation statement made on 11 August 2020 with no updates
Confirmation statement made on 9 September 2019 with no updates
Registered office address changed from 1 Princes Square Harrogate North Yorkshire HG1 1nd England to 131 High Street Harrogate HG2 7LL on 15 April 2019
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