Company Overview
Lomond Mortgages Limited is listed at the official companies registry as Active Private Limited Company. The company was incorporated on Thursday 16 December 2010, so this is a well established company. Lomond Mortgages Limited has been in business for 15 years and 3 months. The accounts status is total exemption full and the accounts are next due on Tuesday 30 September 2025.
Registered Address

23 Alva Street, Edinburgh, EH2 4PS
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Companies House Data
Company NameLOMOND MORTGAGES LIMITED
Company NumberSC390469
Registered Office Address23 Alva Street
 EH2 4PS
Company CategoryPrivate Limited Company
Company StatusActive
Country of OriginUnited Kingdom
Incorporation Date16/12/2010
Accounting Reference Date Day31
Accounting Reference Date Month12
Accounts Next Due Date30/09/2026
Accounts Last Made Up Date31/12/2024
Accounts Account CategoryTOTAL EXEMPTION FULL
Returns Next Due Date13/01/2017
Returns Last Made Up Date16/12/2015
Directors & Members
Show Resigned
Stuart Pender - Director
(British, 61 years old, born June 1965)
Appointed 08 December 2015
 Active
Secretaries
Show Resigned
Other Company Directorships
Stuart Pender
AROUND TOWN FLATS LIMITED
BARLOW WHITE ESTATES LIMITED
BARLOW WHITE LTD
BARLOW WHITE PROPERTY MAINTENANCE LTD
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HOME LEASING BRIGHTON LIMITED
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LOMOND (WOOD LANE) LIMITED
LOMOND CAPITAL NO. 3 LIMITED
LOMOND MAINTENANCE (BIRMINGHAM) LIMITED
PALMS AGENCY LIMITED
SECURELETS AT JEREMY AND CO LIMITED
SMART HOMES SOLIHULL LTD
STRATHSPEY DEVELOPMENTS LIMITED
SYMONDS READING ESTATE AGENTS LIMITED
THE PENDER FAMILY INVESTMENT COMPANY (SCOTLAND) LIMITED
Balance Sheet Unlock full report
Accounts Date 31-Dec-2024 31-Dec-2022 31-Dec-2021
Balance Sheet
Fixed Assets 1,083 1,083 1,720
Current Assets 242,307 242,307 286,139
Creditors Due Within One Year 70,546 70,546 146,894
Working Cap 171,761 171,761 139,245
Total Assets Less Current Liabilities 172,844 172,844 140,965
Long-term Liabilities 0 0 0
Net Assets 172,844 172,844 140,965
Share Capital & Reserves
Share Cap - - -
Profit & Loss Reserves - - -
Other Reserves - - -
Shareholders Funds 172,844 172,844 140,965
Common Size Financial Analysis Unlock full report
Accounts Date 31-Dec-2024 31-Dec-2022 31-Dec-2021
Tangible Fixed Assets - - -
Fixed Assets 0.4% 0.4% 0.6%
Stocks Inventory - - -
Debtors 50.1% 50.1% 39.6%
Cash Bank In Hand 49.5% 49.5% 59.8%
Current Assets 99.6% 99.6% 99.4%
Creditors Due Within One Year 29.0% 29.0% 51.0%
Net Current Assets Liabilities 70.6% 70.6% 48.4%
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 71.0% 71.0% 49.0%
Capital Employed - - -
Total Assets Less Current Liabilities 71.0% 71.0% 49.0%
Financial Ratio Analysis Unlock full report
Accounts Date 31-Dec-2024 31-Dec-2022 31-Dec-2021
Liquidity Ratio 3.4 3.4 1.9
Solvency Ratio 3.5 3.5 2.0
Reserves to Assets - - -
Secured Creditors Unlock full report
Mortgages Charges 7
Mortgages Outstanding 0
Mortgages Part Satisfied 0
Mortgages Satisfied 7
Assets and Debt Analysis Unlock full report
Accounts Date 31-Dec-2024 31-Dec-2022 31-Dec-2021
Assets 243,390 243,390 287,859
Debt 70,546 70,546 146,894
Net Assets/Debt 172,844 172,844 140,965

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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Document Filings
Confirmation statement made on 9 October 2025 with no updates
Registered office address changed from 1 Wemyss Place Edinburgh EH3 6DH Scotland to 23 Alva Street Edinburgh EH2 4PS on 21 October 2025
Confirmation statement made on 9 October 2024 with no updates
Change of details for The Pender Family Investment Company (Scotland) Limited as a person with significant control on 8 March 2024
Confirmation statement made on 9 October 2023 with no updates
Termination of appointment of Jason Watkin as a director on 24 August 2023
Termination of appointment of Robert James Hamilton as a director on 25 August 2023
Confirmation statement made on 9 October 2022 with no updates
Registered office address changed from 1 Wemyss Place Edinburgh EH3 6DH Scotland to 1 Wemyss Place Edinburgh EH3 6DH on 8 June 2022
Registered office address changed from Orchard Brae House 30 Queensferry Road Edinburgh EH4 2HS Scotland to 1 Wemyss Place Edinburgh EH3 6DH on 8 June 2022
Confirmation statement made on 9 October 2021 with updates
Consolidated accounts of parent company for subsidiary company period ending 31/12/19
Notice of agreement to exemption from audit of accounts for period ending 31/12/19
Audit exemption statement of guarantee by parent company for period ending 31/12/19
Statement of capital following an allotment of shares on 19 December 2020
Resolutions
Cessation of Lomond Capital No.1 Ltd as a person with significant control on 19 December 2020
Resolutions
Notification of The Pender Family Investment Company (Scotland) Limited as a person with significant control on 19 December 2020
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