EXACT MORTGAGE EXPERTS LIMITED
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Cash
£9.1m
+39% vs 2024
Net assets
—
Equity attributable
Employees
318
-15.2% lowest in 3 filed years
Profit before tax
£2.5m
-35.5% lowest in 3 filed years
Watchouts
Facts from the Companies House register and the latest accounts — not a rating
-
1 PSC ceased in last 24 months
Significant control changed hands — see the Ownership section.
Net assets
3-year trend · vs Industrials 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 | £30,964,000 | £30,636,000 | £25,560,000 | -16.6% | |
| Operating profit | £3,671,000 | £3,940,000 | — | — | |
| Profit before tax | £3,671,000 | £3,940,000 | £2,541,000 | -35.5% | |
| Net profit | £2,804,000 | £2,988,000 | £1,996,000 | -33.2% | |
| Cash | £25,821,000 | £6,550,000 | £9,103,000 | +39% | |
| Total assets less current liabilities | £19,868,000 | — | — | — | |
| Net assets | £20,349,000 | £3,950,000 | — | — | |
| Equity | £20,349,000 | £3,950,000 | — | — | |
| Average employees | 406 | 375 | 318 | -15.2% | |
| Wages | £21,225,000 | £19,741,000 | £17,609,000 | -10.8% | |
| Directors' remuneration | — | — | — | — |
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 | 11.9% | 12.9% | — | |
| Net margin | 9.1% | 9.8% | 7.8% | |
| Return on capital employed | 18.5% | — | — | |
| Gearing (liabilities / total assets) | 23.9% | 62.1% | — | |
| Current ratio | 4.10x | 1.56x | — |
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
- EXACT MORTGAGE EXPERTS LIMITED 2008-11-17 → present
- ALNERY NO. 2822 LIMITED 2008-11-14 → 2008-11-17
Audit & accounting basis
- Accounting basis
- IFRS
- Reporting scope
- Standalone (parent only)
- Auditor
- Deloitte LLP
- Audit opinion
- Unqualified (clean)
- Going concern
- Affirmed
“The Directors have concluded that the Company has sufficient resources to continue in operational existence for a period in excess of 12 months from the date of this report and as a result, it is appropriate to prepare these financial statements on a going concern basis.”
Significant events
- “On 22 September 2025, the Company was transferred from CCFSG Holdings Limited to OSB.”
Auditor, going-concern and subsidiary information is drawn from the narrative of the latest annual accounts. About these numbers
People
4 active · 22 resigned
| Name | Role | Appointed | Born | Nationality |
|---|---|---|---|---|
| ELPHICK, Jason Stanley | Secretary | 2019-11-12 | — | — |
| ALLEN, Benjamin | Director | 2025-09-24 | Apr 1982 | British |
| GOLDING, Andrew John | Director | 2019-10-04 | Jan 1969 | British |
| KHAN, Irfanulla | Director | 2025-09-24 | Aug 1981 | Indian |
Show 22 resigned officers
| Name | Role | Appointed | Resigned |
|---|---|---|---|
| MALSBURY, Dianne Wendy | Secretary | 2008-11-17 | 2019-11-12 |
| ALNERY INCORPORATIONS NO.1 LIMITED | Corporate Secretary | 2008-11-14 | 2008-11-17 |
| BROOKE, Timothy Tracey | Director | 2015-01-06 | 2020-05-07 |
| CLEARY, Alan Vincent | Director | 2008-11-17 | 2015-01-06 |
| ELCOCK, Peter Charles | Director | 2015-11-24 | 2019-10-04 |
| HARWERTH, Elizabeth Noel | Director | 2017-06-27 | 2020-06-01 |
| JENKS, Philip Anthony | Director | 2009-10-07 | 2019-10-04 |
| KAPOOR, Rajan | Director | 2016-09-23 | 2020-06-01 |
| KASOFF, Steven Howard | Director | 2008-11-17 | 2015-01-06 |
| KORNITZER, Clive David | Director | 2020-06-01 | 2025-09-01 |
| LONERGAN, Ian Martin | Director | 2008-11-17 | 2019-10-04 |
| MALONEY, Jean-Sebastien | Director | 2010-01-15 | 2019-10-04 |
| MORRIS, Craig Alexander James | Director | 2008-11-14 | 2008-11-17 |
| NIXON, John Edward | Director | 2008-11-17 | 2015-01-06 |
| SULLIVAN-HYDE, Victoria Jane | Director | 2024-05-09 | 2025-09-30 |
| SWIDLER, Joshua Eric | Director | 2008-11-17 | 2010-01-15 |
| TALINTYRE, April Carolyn | Director | 2019-10-04 | 2024-05-09 |
| WARD, Ian William | Director | 2015-01-06 | 2020-05-07 |
| WILLIAMSON, George Malcolm, Sir | Director | 2017-06-27 | 2020-02-04 |
| WILSON, Ian Douglas | Director | 2015-01-06 | 2015-11-24 |
| ALNERY INCORPORATIONS NO.1 LIMITED | Corporate Director | 2008-11-14 | 2008-11-17 |
| ALNERY INCORPORATIONS NO.2 LIMITED | Corporate Director | 2008-11-14 | 2008-11-17 |
Ownership
Persons with significant control
| Name | Kind | Nature of control | Notified | Status |
|---|---|---|---|---|
| Onesavings Bank Plc | Corporate entity | Shares 75–100%, Voting 75–100%, Appoints directors | 2025-09-22 | Active |
| Ccfsg Holdings Limited | Corporate entity | Shares 75–100%, Voting 75–100%, Appoints directors | 2016-04-06 | Ceased 2025-09-22 |
Filing timeline
Last 20 of 109 total filings
Material constitutional events — rename, articles re-file, resolution
- 2024-12-23 RESOLUTIONS Resolution
- 2024-12-23 RESOLUTIONS Resolution
| Date | Type | Category | Description | |
|---|---|---|---|---|
| 2026-07-02 | AA | accounts | Accounts with accounts type full | |
| 2026-05-28 | CS01 | confirmation-statement | Confirmation statement with no updates | |
| 2026-02-18 | PSC05 | persons-with-significant-control | Change to a person with significant control | |
| 2025-11-14 | CS01 | confirmation-statement | Confirmation statement with updates | |
| 2025-10-09 | PSC02 | persons-with-significant-control | Notification of a person with significant control | |
| 2025-10-09 | PSC07 | persons-with-significant-control | Cessation of a person with significant control | |
| 2025-10-07 | TM01 | officers | Termination director company with name termination date | |
| 2025-10-04 | AP01 | officers | Appoint person director company with name date | |
| 2025-09-30 | AP01 | officers | Appoint person director company with name date | |
| 2025-09-02 | TM01 | officers | Termination director company with name termination date | |
| 2025-06-30 | PSC05 | persons-with-significant-control | Change to a person with significant control | |
| 2025-06-13 | AA | accounts | Accounts with accounts type full | |
| 2024-12-31 | AD03 | address | Move registers to sail company with new address | |
| 2024-12-24 | SH19 | capital | Capital statement capital company with date currency figure | |
| 2024-12-23 | RESOLUTIONS | resolution | Resolution | |
| 2024-12-23 | SH20 | capital | Legacy | |
| 2024-12-23 | CAP-SS | insolvency | Legacy | |
| 2024-12-23 | RESOLUTIONS | resolution | Resolution | |
| 2024-12-20 | AD02 | address | Change sail address company with new address | |
| 2024-11-14 | CS01 | confirmation-statement | Confirmation statement with updates |
Public-record activity
Raw counts from Companies House — last 12–24 months
- Filings
- 10
- Capital events
- 2
- Officers appointed
- 2
- Officers resigned
- 2
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.