LONDON & COUNTRY MORTGAGES LIMITED
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Cash
£18M
+22.2% highest in 3 filed years
Net assets
£15M
+57.5% highest in 3 filed years
Employees
851
-0.4% vs 2024
Profit before tax
£9.2M
+112.8% highest in 3 filed years
Net assets
3-year trend · vs Financials median
Accounts
3-year trend · Δ = latest vs prior filed period · latest reflected 2025-12-31
| Metric | Trend | 2023-12-31 | 2024-12-31 | 2025-12-31 | Δ vs prior |
|---|---|---|---|---|---|
| Turnover | £53,676,945 | £62,626,094 | £73,268,312 | +17% | |
| Operating profit | -£2,481,028 | £4,169,295 | £8,688,119 | +108.4% | |
| Profit before tax | -£2,471,741 | £4,323,108 | £9,199,964 | +112.8% | |
| Net profit | -£1,789,219 | £3,233,002 | £6,519,287 | +101.6% | |
| Cash | £8,915,022 | £15,041,628 | £18,384,961 | +22.2% | |
| Total assets less current liabilities | £9,749,009 | £13,629,059 | £19,044,192 | +39.7% | |
| Net assets | £6,362,369 | £9,600,440 | £15,120,474 | +57.5% | |
| Equity | £6,362,369 | £9,600,440 | £15,120,474 | +57.5% | |
| Average employees | 886 | 854 | 851 | -0.4% | |
| Wages | £33,789,243 | £36,524,492 | £40,901,437 | +12% | |
| Directors' remuneration | £500,553 | £424,034 | £573,514 | +35.3% |
Values shown as filed in the company's annual accounts. — indicates the figure wasn't present under that line item in that period. The Δ column is the change from the prior filed period as a percentage of |prior|; lines a company doesn't report show —. About these numbers
Ratios
Computed from the line items above — sparklines read oldest → newest
| Ratio | Trend | 2023-12-31 | 2024-12-31 | 2025-12-31 |
|---|---|---|---|---|
| Operating margin | -4.6% | 6.7% | 11.9% | |
| Net margin | -3.3% | 5.2% | 8.9% | |
| Return on capital employed | -25.4% | 30.6% | 45.6% | |
| Gearing (liabilities / total assets) | — | 56.7% | 41.5% | |
| Current ratio | 1.81x | 2.36x | 3.36x |
Margins divide P&L lines by turnover. Gearing is liabilities over total assets. Current ratio is current assets over creditors falling due within one year. Interest cover is operating profit over absolute finance costs. Sector-distribution context coming next.
Name history
Renamed 1 time since incorporation
- LONDON & COUNTRY MORTGAGES LIMITED 1987-01-19 → present
- LINCOLN'S INN MORTGAGE SERVICES LIMITED 1986-02-12 → 1987-01-19
Audit & accounting basis
- Accounting basis
- FRS 102
- Reporting scope
- Standalone (parent only)
- Auditor
- S&W Audit
- Audit opinion
- Unqualified (clean)
- Going concern
- Affirmed
“Having considered the available evidence, the opinion of the Directors is that there are no material uncertainties relating to going concern and thus, the adoption of the going concern basis in preparing the financial statements is reasonable.”
Significant events
- “In January 2026, the Company acquired a 20% equity interest in Revive Al Ltd for an initial cash consideration of £0.5m. As the transaction occurred after the reporting date of 31 December 2025, it is considered a non-adjusting event under FRS 102 section 32.”
Auditor, going-concern and subsidiary information is drawn from the narrative of the latest annual accounts. About these numbers
People
6 active · 25 resigned
| Name | Role | Appointed | Born | Nationality |
|---|---|---|---|---|
| GRAY, David | Secretary | 2024-07-05 | — | — |
| EDGE, Michael Robert | Director | — | May 1955 | British |
| HARRINGTON, Mark Philip | Director | 2024-04-16 | Jun 1976 | British |
| RICKARDS, Philip Martin | Director | 2022-09-26 | Dec 1967 | British |
| ROBERTSON, Andrew Benedict | Director | 2026-01-13 | Oct 1985 | British |
| WILDMAN, Nicola Tracey | Director | 2022-12-01 | Apr 1966 | British |
Show 25 resigned officers
| Name | Role | Appointed | Resigned |
|---|---|---|---|
| EDGE, Michael Robert | Secretary | — | 2013-09-30 |
| LOFTUS, David John | Secretary | 2021-08-18 | 2024-07-05 |
| MILLS, Christopher Andrew | Secretary | 2021-01-20 | 2021-08-18 |
| WINEMAN, Vivian | Secretary | 2001-05-21 | 2013-09-30 |
| ALDRIDGE, Michael Paul | Director | 2010-02-26 | 2018-01-09 |
| BLOOR, Robin Geoffrey Rawson | Director | 1995-06-26 | 2000-10-17 |
| BROWN, Suzanne Elizabeth | Director | 2023-01-09 | 2023-07-14 |
| BUNTON, Patrick John | Director | 2003-05-27 | 2018-01-09 |
| CARTWRIGHT, Philip Ronald | Director | 1997-03-24 | 2020-03-04 |
| CHADWICK, Michael | Director | — | 2000-09-18 |
| COOK, Michael Geoffrey | Director | 2003-05-27 | 2018-01-09 |
| CROCKER, Duncan | Director | 2014-06-01 | 2018-01-09 |
| FLOYDD, William James Spencer | Director | 2018-01-09 | 2018-04-26 |
| HARRISON, Jane | Director | 2003-05-27 | 2018-01-09 |
| KINNEY, Alexandra Brigid | Director | 2019-01-18 | 2021-12-11 |
| LAWSON, Clive Robert | Director | 2018-04-26 | 2022-07-01 |
| LOFTUS, David John | Director | 2015-06-11 | 2021-01-20 |
| LUKASZEK, Nicholas | Director | 2022-07-01 | 2023-08-29 |
| MACHIN, Katrina Jane | Director | 2019-01-18 | 2022-07-12 |
| MERRY, Steven John | Director | 2019-03-18 | 2021-11-16 |
| MERRY, Steven John | Director | 2015-07-27 | 2018-01-09 |
| MILLS, Christopher Andrew | Director | 2021-03-03 | 2022-10-31 |
| MONTGOMERY, Alistair Robert John | Director | 2023-08-29 | 2026-01-13 |
| SPOURS, Geoffrey Neil | Director | 2014-11-01 | 2018-01-09 |
| YOUNG, Alan James | Director | 2022-11-01 | 2024-03-20 |
Ownership
Persons with significant control
| Name | Kind | Nature of control | Notified | Status |
|---|---|---|---|---|
| Experian Limited | Corporate entity | Voting 25–50% | 2018-01-09 | Active |
| Restors Uk | Corporate entity | Voting 25–50% | 2016-04-06 | Ceased 2018-01-09 |
| Mike Edge Holdings Limited | Corporate entity | Voting 25–50% | 2016-04-06 | Ceased 2018-01-09 |
| Mr Michael Robert Edge | Individual | Shares 25–50%, Voting 25–50% | 2016-04-06 | Active |
Filing timeline
Last 20 of 682 total filings
Material constitutional events — rename, articles re-file, resolution
- 2025-11-10 RESOLUTIONS Resolution
| Date | Type | Category | Description | |
|---|---|---|---|---|
| 2026-06-10 | AA | accounts | Accounts with accounts type full | |
| 2026-06-02 | SH06 | capital | Capital cancellation shares | |
| 2026-06-02 | SH06 | capital | Capital cancellation shares | |
| 2026-06-02 | SH06 | capital | Capital cancellation shares | |
| 2026-06-02 | SH03 | capital | Capital return purchase own shares | |
| 2026-05-13 | CS01 | confirmation-statement | Confirmation statement with updates | |
| 2026-01-20 | AP01 | officers | Appoint person director company with name date | |
| 2026-01-20 | TM01 | officers | Termination director company with name termination date | |
| 2025-11-17 | SH06 | capital | Capital cancellation shares | |
| 2025-11-17 | SH06 | capital | Capital cancellation shares | |
| 2025-11-17 | SH03 | capital | Capital return purchase own shares | |
| 2025-11-17 | SH03 | capital | Capital return purchase own shares | |
| 2025-11-17 | SH03 | capital | Capital return purchase own shares | |
| 2025-11-10 | RESOLUTIONS | resolution | Resolution | |
| 2025-10-02 | AA | accounts | Accounts with accounts type full | |
| 2025-07-18 | CH01 | officers | Change person director company with change date | |
| 2025-06-16 | SH06 | capital | Capital cancellation shares | |
| 2025-06-16 | SH03 | capital | Capital return purchase own shares | |
| 2025-06-16 | SH03 | capital | Capital return purchase own shares | |
| 2025-06-16 | SH03 | capital | Capital return purchase own shares |
Public-record activity
Raw counts from Companies House — last 12–24 months
- Filings
- 16
- Capital events
- 13
- Officers appointed
- 1
- Officers resigned
- 1
last 12 months
last 24 months
last 12 months
last 12 months
Direct counts from the register. No score, no rating — see the Filing timeline for the underlying events.