E-MEX HOME FUNDING LIMITED
Get an alert when E-MEX HOME FUNDING LIMITED files next
Leroy will email you the moment a new filing lands at Companies House — one short note per filing, nothing else.
Cash
—
Latest balance sheet
Net assets
£28m
+4.8% highest in 3 filed years
Employees
0
Average over period
Profit before tax
£1.7m
-15.1% vs 2025
Watchouts
Facts from the Companies House register and the latest accounts — not a rating
-
Confirmation statement overdue
Due 2026-08-15.
Profit before tax
3-year trend · vs Financials median
Accounts
3-year trend · Δ = latest vs prior filed period · latest reflected 2026-03-31
| Metric | Trend | 2024-03-31 | 2025-03-31 | 2026-03-31 | Δ vs prior |
|---|---|---|---|---|---|
| Net interest income | — | £1,848,000 | £1,744,000 | -5.6% | |
| Fee & commission income | — | £7,000 | £3,000 | -57.1% | |
| Operating income | — | £1,855,000 | £1,741,000 | -6.1% | |
| Impairment losses | — | -£282,000 | -£67,000 | +76.2% | |
| Profit before tax | £1,376,000 | £2,026,000 | £1,720,000 | -15.1% | |
| Net profit | £1,032,000 | £1,520,000 | £1,290,000 | -15.1% | |
| Loans & advances to customers | — | £35,995,000 | £32,004,000 | -11.1% | |
| Customer deposits | — | — | — | — | |
| Total assets | £42,141,000 | £36,758,000 | £32,688,000 | -11.1% | |
| Total liabilities | — | £9,989,000 | £4,629,000 | -53.7% | |
| Equity | £25,249,000 | £26,769,000 | £28,059,000 | +4.8% | |
| Average employees | 0 | 0 | 0 | — |
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 | 2024-03-31 | 2025-03-31 | 2026-03-31 |
|---|---|---|---|---|
| Current ratio | 0.17x | 0.14x | — |
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 3 times since incorporation
- E-MEX HOME FUNDING LIMITED 2000-09-29 → present
- CHESHIRE FINANCIAL SERVICES LIMITED 1994-11-15 → 2000-09-29
- CHESHIRE BUILDING SOCIETY FINANCIAL SERVICES LIMITED 1990-12-04 → 1994-11-15
- BLACK CAT FINANCIAL SERVICES LIMITED 1987-04-22 → 1990-12-04
Audit & accounting basis
- Accounting basis
- FRS 101
- Reporting scope
- Standalone (parent only)
- Auditor
- Ernst & Young LLP
- Audit opinion
- Unqualified (clean)
- Going concern
- Affirmed
“The Company is fully funded by its parent undertaking, Nationwide Building Society. The Society has confirmed that it will continue to fund the Company's activities for the foreseeable future. The foreseeable future is considered for this purpose to be a period of not less than 12 months from the date of approval of the financial statements and it is therefore appropriate to continue to adopt the going concern basis in preparing these financial statements.”
Auditor, going-concern and subsidiary information is drawn from the narrative of the latest annual accounts. About these numbers
People
4 active · 57 resigned
| Name | Role | Appointed | Born | Nationality |
|---|---|---|---|---|
| NBS COSEC LIMITED | Corporate Secretary | 2019-01-18 | — | — |
| JORDAN, Henry | Director | 2024-08-14 | Apr 1973 | British |
| MATHIESON, Muir | Director | 2024-09-06 | Aug 1974 | British |
| SMYTH, Gavin | Director | 2021-03-24 | Jul 1977 | British |
Show 57 resigned officers
| Name | Role | Appointed | Resigned |
|---|---|---|---|
| GARRITY, Michael John | Secretary | 1994-08-16 | 2004-03-31 |
| HAYES, George Andrew | Secretary | — | 1993-04-30 |
| LINDSEY, Jason David | Secretary | 2011-04-01 | 2016-11-30 |
| O'BRIEN, Keith James | Secretary | 2004-03-31 | 2008-12-15 |
| ORME, Victoria Helen | Secretary | 2016-11-30 | 2019-01-18 |
| PAUL, Julyan | Secretary | 2008-12-15 | 2011-04-01 |
| WHATMUFF, David | Secretary | 1993-04-30 | 1994-08-16 |
| BAILEY, Richard Charles | Director | 2004-03-01 | 2007-04-13 |
| BANDA, Larry | Director | 2009-04-01 | 2010-02-01 |
| BENNISON, Sara Philippa | Director | 2019-10-15 | 2022-07-04 |
| BLOOR, Adrian Charles | Director | 2007-06-01 | 2008-03-27 |
| BOOTH, Daryl Clifford | Director | 2007-06-01 | 2008-12-15 |
| CARTER, Timothy Joseph | Director | 2019-11-01 | 2019-12-09 |
| CARTER, Timothy Joseph | Director | 2017-12-08 | 2019-11-01 |
| CRAIG, Ian Ashley | Director | 2016-09-02 | 2018-10-05 |
| DAVY, Jonathan Jasper Haydn | Director | 2019-11-01 | 2019-12-09 |
| DAVY, Jonathan Jasper Haydn | Director | 2018-10-05 | 2019-11-01 |
| DICKINSON, Brian | Director | 2002-02-26 | 2003-07-21 |
| DUNN, Julia Mary Roberts | Director | 2016-10-14 | 2020-11-16 |
| EVANS, David Morgan Alun, Ho Financial Management | Director | 2016-04-26 | 2018-05-01 |
| EVANS, David Morgan Alun | Director | 2009-04-01 | 2013-02-01 |
| GAUNT, Jason Peter | Director | 2001-11-01 | 2006-08-04 |
| GLOVER, Bryce Paul | Director | 2009-04-05 | 2013-10-21 |
| GOSS, Richard James | Director | 2008-12-15 | 2009-04-01 |
| HAYES, George Andrew | Director | — | 1993-04-30 |
| HODGES, Clive | Director | 2010-02-01 | 2011-07-01 |
| HOUGH, Robert Eric | Director | 2006-04-26 | 2007-04-13 |
| HUGHES, John David Paul | Director | 1993-04-30 | 1999-05-01 |
| JENKINS, Mark Radclyffe | Director | 2009-04-01 | 2009-05-05 |
| JENNINGS, Derek Bradford | Director | — | 1995-12-19 |
| JORDAN, Henry | Director | 2019-11-01 | 2019-12-09 |
| JORDAN, Henry | Director | 2019-05-01 | 2019-11-01 |
| JORDAN, Henry | Director | 2013-01-14 | 2016-03-31 |
| KNIGHT, Paul | Director | 2000-09-26 | 2001-09-07 |
| LAING, Iain Gordon | Director | 2011-07-01 | 2016-09-16 |
| MACKAY, Donald Barrett | Director | 1995-12-19 | 2000-09-26 |
| MARSHALL, Thomas Warwick | Director | 2000-09-26 | 2006-04-26 |
| MATHIESON, Muir | Director | 2019-11-01 | 2019-12-09 |
| MATHIESON, Muir | Director | 2018-05-01 | 2019-11-01 |
| MATSON, Andrew Brian | Director | 2013-11-19 | 2016-03-31 |
| MCCORMICK, Karen Elizabeth | Director | 2005-05-24 | 2008-12-15 |
| MCLEOD, John | Director | 2003-12-01 | 2004-03-01 |
| MCQUEEN, Andrew Peter | Director | 2008-12-15 | 2011-08-01 |
| MICHIE, James Webster | Director | 2002-12-17 | 2003-02-25 |
| NAPIER, Richard Stewart | Director | 2011-08-01 | 2016-07-22 |
| O'BRIEN, Keith James | Director | 2007-06-01 | 2008-03-27 |
| RHODES, Christopher Stuart | Director | 2009-04-20 | 2024-09-06 |
| RUSSELL, Andrew Nicholas | Director | 2003-07-21 | 2007-06-01 |
| SHEPHERD, Philip | Director | 2008-03-27 | 2008-12-15 |
| SINCLAIR, Rachael | Director | 2021-06-02 | 2025-06-13 |
| TULLY, David John | Director | 2006-04-26 | 2007-04-13 |
| TULLY, David John | Director | 2000-09-26 | 2003-12-01 |
| WHITTLE, Colin Philip | Director | 1999-05-01 | 2005-05-09 |
| WILLIAMS, Jayne, Director Of Product Operations | Director | 2017-03-31 | 2017-12-01 |
| WOOTTON, Paul Alexander | Director | 2019-11-01 | 2019-12-09 |
| WOOTTON, Paul Alexander | Director | 2016-03-31 | 2019-11-01 |
| WYLES, Matthew Peter Vincent | Director | 2008-12-15 | 2009-04-20 |
Ownership
Persons with significant control
| Name | Kind | Nature of control | Notified | Status |
|---|---|---|---|---|
| Nationwide Building Society | Corporate entity | Shares 75–100%, Voting 75–100%, Appoints directors | 2016-04-06 | Active |
Filing timeline
Last 20 of 236 total filings
| Date | Type | Category | Description | |
|---|---|---|---|---|
| 2026-07-26 | AA | accounts | Accounts with accounts type full | |
| 2025-10-08 | RP01CS01 | confirmation-statement | Replacement filing of confirmation statement with made up date | |
| 2025-08-08 | CS01 | confirmation-statement | Confirmation statement with updates | |
| 2025-07-17 | AA | accounts | Accounts with accounts type full | |
| 2025-06-16 | TM01 | officers | Termination director company with name termination date | |
| 2025-04-10 | CH01 | officers | Change person director company with change date | |
| 2024-09-19 | AP01 | officers | Appoint person director company with name date | |
| 2024-09-17 | TM01 | officers | Termination director company with name termination date | |
| 2024-08-21 | AP01 | officers | Appoint person director company with name date | |
| 2024-08-06 | CS01 | confirmation-statement | Confirmation statement with no updates | |
| 2024-07-18 | AA | accounts | Accounts with accounts type full | |
| 2023-08-15 | CS01 | confirmation-statement | Confirmation statement with no updates | |
| 2023-07-25 | AA | accounts | Accounts with accounts type full | |
| 2022-08-11 | CS01 | confirmation-statement | Confirmation statement with no updates | |
| 2022-07-25 | AA | accounts | Accounts with accounts type full | |
| 2022-07-18 | TM01 | officers | Termination director company with name termination date | |
| 2021-08-03 | CS01 | confirmation-statement | Confirmation statement with no updates | |
| 2021-07-29 | AA | accounts | Accounts with accounts type full | |
| 2021-06-22 | AP01 | officers | Appoint person director company with name date | |
| 2021-04-08 | AP01 | officers | Appoint person director company with name date |
Public-record activity
Raw counts from Companies House — last 12–24 months
- Filings
- 3
- Capital events
- 0
- Officers appointed
- 0
- Officers resigned
- 0
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.