CAPITAL HOME LOANS LIMITED
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Cash
£2.8M
-77% lowest in 3 filed years
Net assets
£2.1M
-80.6% lowest in 3 filed years
Employees
55
-45% lowest in 3 filed years
Profit before tax
-£8.8M
-254.4% lowest in 3 filed years
Watchouts
Facts from the Companies House register and the latest accounts — not a rating
-
Accounts not prepared on a going-concern basis
Due to the decision to wind-down the Company in 2024, these financial statements continue to be prepared on a basis other than going concern as at 31 December 2025.
-
3 officer resignations in last 12 months
Multiple officers have left the board recently — see the People section for who.
-
Going-concern uncertainty disclosed
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 | £9,443,000 | £7,815,000 | £3,215,000 | -58.9% | |
| Operating profit | — | -£2,915,000 | -£9,068,000 | -211.1% | |
| Profit before tax | £3,158,000 | -£2,471,000 | -£8,757,000 | -254.4% | |
| Net profit | £3,158,000 | -£2,471,000 | -£8,757,000 | -254.4% | |
| Cash | £7,616,000 | £12,002,000 | £2,758,000 | -77% | |
| Total assets less current liabilities | £27,527,000 | £11,202,000 | £2,107,000 | -81.2% | |
| Net assets | £27,527,000 | £10,864,000 | £2,107,000 | -80.6% | |
| Equity | £27,527,000 | £10,864,000 | £2,107,000 | -80.6% | |
| Average employees | 107 | 100 | 55 | -45% | |
| Wages | £5,648,000 | £5,359,000 | £5,689,000 | +6.2% | |
| Directors' remuneration | £867,000 | £994,000 | £1,040,000 | +4.6% |
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 | — | -37.3% | — | |
| Net margin | 33.4% | -31.6% | — | |
| Return on capital employed | — | -26.0% | -430.4% | |
| Gearing (liabilities / total assets) | 95.6% | 22.1% | 23.6% | |
| Current ratio | 1.05x | 4.94x | 4.24x | |
| Interest cover | — | -60.73x | — |
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. Margin ratios are hidden where reported turnover is too small relative to profit to yield a meaningful figure — typical of holding companies whose income is mostly subsidiary dividends rather than trading revenue. Sector-distribution context coming next.
Name history
Renamed 2 times since incorporation
- CAPITAL HOME LOANS LIMITED 1989-01-06 → present
- SPC HOMES (20) LIMITED 1987-12-11 → 1989-01-06
- NICEQUOTE LIMITED 1987-10-06 → 1987-12-11
Audit & accounting basis
- Accounting basis
- UK-adopted IFRS
- Reporting scope
- Standalone (parent only)
- Auditor
- Rothmans Audit LLP
- Audit opinion
- Unqualified (clean)
- Going concern
- Not a going concern (break-up basis)
“Due to the decision to wind-down the Company in 2024, these financial statements continue to be prepared on a basis other than going concern as at 31 December 2025.”
Significant events
- “On 17 February 2026, the FCA cancelled the Company's regulatory permissions, reflecting the completion of the transfer of all regulated mortgage servicing activities in 2025 and the ongoing orderly solvent wind-down of the Company.”
Auditor, going-concern and subsidiary information is drawn from the narrative of the latest annual accounts. About these numbers
People
4 active · 67 resigned
| Name | Role | Appointed | Born | Nationality |
|---|---|---|---|---|
| CSC CORPORATE SERVICES (UK) LIMITED | Corporate Secretary | 2026-02-24 | — | — |
| KHAN, Muhammad Umar | Director | 2026-02-24 | Jan 1988 | British |
| CSC DIRECTORS (NO.1) LIMITED | Corporate Director | 2026-02-24 | — | — |
| CSC DIRECTORS (NO.2) LIMITED | Corporate Director | 2026-02-24 | — | — |
Show 67 resigned officers
| Name | Role | Appointed | Resigned |
|---|---|---|---|
| ANG, Hean Kuan | Secretary | 2015-07-31 | 2016-07-25 |
| ATKINS, Clive Richard | Secretary | — | 1993-02-26 |
| BARBOUR, Michael Robert David | Secretary | 1993-02-26 | 1993-11-26 |
| HICKEY, Gerald Walter | Secretary | 2000-10-23 | 2003-11-11 |
| KRAUSE, Ludwig | Secretary | 2006-05-18 | 2010-12-31 |
| LANE, Michael Roy | Secretary | 2003-11-11 | 2006-05-18 |
| LO, Sunny Ho Sun | Secretary | 2011-01-10 | 2012-08-14 |
| LO, Sunny Ho Sun | Secretary | 1993-11-26 | 2000-10-23 |
| RYAN, Conor | Secretary | 2012-08-14 | 2015-07-31 |
| STONE, Andrew Howard | Secretary | 1996-12-11 | 1996-12-17 |
| YOUNG, Hilary Susanna | Secretary | 2016-07-25 | 2025-06-30 |
| ANDREWS, Robert Kenneth | Director | 2016-10-28 | 2017-07-01 |
| BAAIJENS, Lukas Christiaan | Director | 2021-05-20 | 2026-02-24 |
| BAILLET, Roland Maurice Guy | Director | — | 1996-10-22 |
| BERNARD, Jean-Rene | Director | 1994-11-23 | 1996-06-04 |
| BRADLEY, Diarmuid Patrick | Director | 2001-04-26 | 2005-05-06 |
| BRUNYATE, John Maitland | Director | 2000-10-23 | 2009-05-26 |
| BUSSON, Jean Francois Leon | Director | 1993-11-26 | 1995-11-15 |
| CASEY, Denis | Director | 2005-07-26 | 2009-02-28 |
| CLINTON, David Robert | Director | 2017-12-20 | 2025-06-30 |
| COLLI, Jean-Claude | Director | — | 1994-12-07 |
| COOK, Alan Ronald | Director | 2012-08-14 | 2015-07-31 |
| DARDALHON, Pierre Christian | Director | 1991-07-01 | 1992-10-01 |
| DAVID, Bernard Charles Marie | Director | — | 1992-10-01 |
| DOUGLAS, Patrick Robert Douglas | Director | 1997-01-31 | 1999-05-13 |
| DUVERGER, Patrick | Director | — | 1992-10-01 |
| FERGUSON, John Joseph | Director | 2005-10-13 | 2009-08-28 |
| FITZPATRICK, Peter | Director | 2005-05-06 | 2009-02-13 |
| FREISZMUTH-LAGNIER, Gerard | Director | — | 1992-10-01 |
| GERVASI, Pierre Rene | Director | 1991-09-04 | 1993-11-26 |
| GUINANE, David Joseph | Director | 2007-11-21 | 2012-02-08 |
| GUINANE, David Joseph | Director | 1996-10-22 | 2005-10-13 |
| HASSLER, Olivier Georges | Director | — | 1996-10-22 |
| HEIJMEIJER, Michiel Jozef Alexander | Director | 2018-06-08 | 2020-04-30 |
| HICKEY, Gerald Walter | Director | 2002-02-15 | 2016-10-28 |
| HUNT, Gerard | Director | 1999-12-03 | 2001-09-06 |
| INSINGER, Charlotte Marie | Director | 2018-06-14 | 2021-04-30 |
| JONES, Stephen Edward | Director | 2016-12-21 | 2017-06-30 |
| KANE, William | Director | 1996-10-22 | 2001-05-01 |
| KELLY, Lee James | Director | 2017-07-01 | 2026-02-24 |
| KLOOSTERMAN, Alexander | Director | 2020-05-15 | 2022-09-16 |
| KORTEWEG, Pieter, Dr | Director | 2015-10-01 | 2017-01-27 |
| KRAUSE, Ludwig | Director | 2007-05-16 | 2010-12-31 |
| LANE, Michael Roy | Director | 2003-11-11 | 2014-09-12 |
| LEBRUN, Christophe | Director | 1995-12-14 | 1996-10-22 |
| LO, Sunny Ho Sun | Director | 2011-02-03 | 2014-09-12 |
| LO, Sunny Ho Sun | Director | 2000-10-23 | 2005-04-22 |
| LO, Sunny Ho Sun | Director | 2000-10-23 | 2000-10-23 |
| LO, Sunny Ho Sun | Director | 2000-10-23 | 2000-10-23 |
| LORTON, Henry William | Director | 2001-04-26 | 2002-08-31 |
| LUCKEN, Glen | Director | 2012-09-20 | 2015-07-31 |
| MASDING, Jeremy John | Director | 2012-05-01 | 2015-07-31 |
| MAYER, Jeffrey Alan | Director | 2015-10-01 | 2018-03-30 |
| MCCARTHY, David | Director | 2009-05-26 | 2012-05-11 |
| MCCONNELL, Brian Warwick | Director | 2002-10-30 | 2005-06-30 |
| MURPHY, Kevin Patrick | Director | 2009-09-07 | 2012-02-08 |
| NGUYEN-QUANG, Hoan | Director | — | 1991-06-30 |
| PATEL, Hiteshkumar Rameshchandra | Director | 2015-10-01 | 2026-02-24 |
| PERRET, Michael | Director | — | 1993-11-26 |
| ROGER, Luc Aley Pierre | Director | 1992-10-15 | 1996-10-22 |
| ROL, Jean Louis Marie | Director | 1996-04-29 | 1996-10-22 |
| SCHANCUPP, Peter Jeremy | Director | 2019-02-28 | 2021-04-30 |
| THUNNISSEN, Jacques Henri | Director | 1993-11-10 | 1999-12-03 |
| TULOUP, Yves | Director | — | 1992-10-01 |
| VAN DIJKHUIZEN, Cornelis | Director | 2022-07-19 | 2025-06-30 |
| WENT, David | Director | 1999-12-03 | 2007-05-18 |
| YOUNG, Robert Leslie | Director | 2000-10-23 | 2014-09-12 |
Ownership
Persons with significant control
| Name | Kind | Nature of control | Notified | Status |
|---|---|---|---|---|
| Promontoria (Lansdowne) Limited | Corporate entity | Shares 75–100% | 2016-04-06 | Active |
Filing timeline
Last 20 of 295 total filings
| Date | Type | Category | Description | |
|---|---|---|---|---|
| 2026-06-18 | CS01 | confirmation-statement | Confirmation statement with no updates | |
| 2026-06-05 | AA | accounts | Accounts with accounts type full | |
| 2026-02-24 | AP01 | officers | Appoint person director company with name date | |
| 2026-02-24 | TM01 | officers | Termination director company with name termination date | |
| 2026-02-24 | AP04 | officers | Appoint corporate secretary company with name date | |
| 2026-02-24 | AP02 | officers | Appoint corporate director company with name date | |
| 2026-02-24 | TM01 | officers | Termination director company with name termination date | |
| 2026-02-24 | AP02 | officers | Appoint corporate director company with name date | |
| 2026-02-24 | TM01 | officers | Termination director company with name termination date | |
| 2026-01-19 | AD01 | address | Change registered office address company with date old address new address | |
| 2025-07-03 | AA | accounts | Accounts with accounts type full | |
| 2025-06-30 | TM02 | officers | Termination secretary company with name termination date | |
| 2025-06-30 | TM01 | officers | Termination director company with name termination date | |
| 2025-06-30 | TM01 | officers | Termination director company with name termination date | |
| 2025-06-02 | CS01 | confirmation-statement | Confirmation statement with no updates | |
| 2024-06-26 | CS01 | confirmation-statement | Confirmation statement with updates | |
| 2024-06-19 | AA | accounts | Accounts with accounts type group | |
| 2023-12-15 | SH19 | capital | Capital statement capital company with date currency figure | |
| 2023-12-15 | SH20 | capital | Legacy | |
| 2023-12-15 | CAP-SS | insolvency | Legacy |
Public-record activity
Raw counts from Companies House — last 12–24 months
- Filings
- 11
- Capital events
- 0
- Officers appointed
- 4
- Officers resigned
- 3
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.