FLEET MORTGAGES LIMITED
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Cash
£3.3m
-4.4% vs 2025
Net assets
£1.7m
-20.6% vs 2025
Employees
213
+6% highest in 3 filed years
Profit before tax
£13m
+11.9% highest in 3 filed years
Watchouts
Facts from the Companies House register and the latest accounts — not a rating
-
3 officer resignations in last 12 months
Multiple officers have left the board recently — see the People section for who.
Net assets
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 |
|---|---|---|---|---|---|
| Turnover | £36,083,748 | £38,108,935 | £44,659,909 | +17.2% | |
| Operating profit | £10,599,521 | £11,743,520 | £13,129,283 | +11.8% | |
| Profit before tax | £10,590,790 | £11,738,703 | £13,137,283 | +11.9% | |
| Net profit | £7,888,772 | £8,908,212 | £9,845,044 | +10.5% | |
| Cash | £1,429,124 | £3,480,456 | £3,328,799 | -4.4% | |
| Total assets less current liabilities | £1,995,937 | £2,505,853 | £1,770,000 | -29.4% | |
| Net assets | £1,396,619 | £2,204,831 | £1,749,875 | -20.6% | |
| Equity | £1,396,619 | £2,204,831 | £1,749,875 | -20.6% | |
| Average employees | 185 | 201 | 213 | +6% | |
| Wages | £9,962,429 | £10,094,845 | £11,581,145 | +14.7% | |
| Directors' remuneration | — | £1,317,614 | £1,397,453 | +6.1% |
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 |
|---|---|---|---|---|
| Operating margin | 29.4% | 30.8% | 29.4% | |
| Net margin | 21.9% | 23.4% | 22.0% | |
| Return on capital employed | 531.1% | 468.6% | 741.8% | |
| Gearing (liabilities / total assets) | 74.0% | 72.6% | 75.3% | |
| Current ratio | 1.18x | 1.26x | 1.19x |
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
- FLEET MORTGAGES LIMITED 2013-11-07 → present
- CHL MORTGAGES LIMITED 2013-08-27 → 2013-11-07
Audit & accounting basis
- Accounting basis
- UK-adopted international accounting standards
- Reporting scope
- Standalone (parent only)
- Auditor
- KPMG LLP
- Audit opinion
- Unqualified (clean)
- Going concern
- Affirmed
“As a result, the Directors have a reasonable expectation that the Company will have sufficient funds to continue to meet its liabilities as they fall due for at least 12 months from the date of approval of the financial statements and therefore have prepared the financial statements on a going concern basis.”
Auditor, going-concern and subsidiary information is drawn from the narrative of the latest annual accounts. About these numbers
People
8 active · 16 resigned
| Name | Role | Appointed | Born | Nationality |
|---|---|---|---|---|
| RIDLEY, Veronica | Secretary | 2024-12-20 | — | — |
| ALGIE, Keith Joseph | Director | 2026-04-01 | Jan 1981 | New Zealander |
| COX, Stephen Philip | Director | 2022-11-24 | May 1970 | British |
| FERGUSON, Declan | Director | 2021-07-23 | Jan 1989 | British |
| REES, Harriet Lorna | Director | 2024-06-21 | Jan 1990 | British |
| RICHARDSON, Nicola | Director | 2022-04-01 | May 1989 | British |
| TORRIJOS SIMON, Manuela | Director | 2026-04-01 | Dec 1971 | Spanish |
| VERMEULEN, Johannes Urbanus | Director | 2013-11-06 | Mar 1973 | British |
Show 16 resigned officers
| Name | Role | Appointed | Resigned |
|---|---|---|---|
| TEBBATT, Philip James | Secretary | 2014-08-04 | 2024-10-27 |
| AGNEW, Jonathan Geoffrey William | Director | 2014-08-04 | 2021-07-23 |
| BODEN, Anne Elizabeth | Director | 2021-07-23 | 2023-06-14 |
| COULSON, Toni Louise | Director | 2022-11-24 | 2026-04-01 |
| DAWKINS, Lee Robert | Director | 2022-11-24 | 2023-11-16 |
| ELLINGHAM, Tony | Director | 2021-07-23 | 2021-09-09 |
| GALLOWAY, Andrew Marcus | Director | 2014-08-04 | 2021-07-23 |
| KAFETZ, Cordelia Rose Singer | Director | 2022-11-24 | 2026-04-07 |
| LANE, Michael Roy | Director | 2013-11-06 | 2023-02-09 |
| LO, Sunny Ho Sun | Director | 2013-08-27 | 2021-07-23 |
| MURRELL, Keith Alan | Director | 2013-11-06 | 2019-12-31 |
| NEWMAN, Matthew Francis | Director | 2021-07-23 | 2024-06-11 |
| SALOMON, William Henry | Director | 2014-08-04 | 2021-07-23 |
| TEBBATT, Philip James | Director | 2014-07-08 | 2021-07-23 |
| THOMPSON, Damian Kevin | Director | 2021-09-09 | 2026-04-02 |
| YOUNG, Robert Leslie | Director | 2013-08-27 | 2022-03-31 |
Ownership
Persons with significant control
| Name | Kind | Nature of control | Notified | Status |
|---|---|---|---|---|
| Starling Bank Limited | Corporate entity | Shares 75–100%, Voting 75–100%, Appoints directors | 2021-07-23 | Active |
| Mr Robert Leslie Young | Individual | Significant influence | 2016-04-06 | Ceased 2021-07-23 |
| Mr Sunny Ho Sun Lo | Individual | Significant influence | 2016-04-06 | Ceased 2021-07-23 |
| Mr Michael Roy Lane | Individual | Significant influence | 2016-04-06 | Ceased 2021-07-23 |
| Mr Keith Alan Murrell | Individual | Significant influence | 2016-04-06 | Ceased 2021-07-23 |
| Mr Johannes Urbanus Vermeulen | Individual | Significant influence | 2016-04-06 | Ceased 2021-07-23 |
| Mr Philip James Tebbatt | Individual | Significant influence | 2016-04-06 | Ceased 2021-07-23 |
| Mr Jonathan Geoffrey William Agnew | Individual | Significant influence | 2016-04-06 | Ceased 2021-07-23 |
| Mr Andrew Marcus Galloway | Individual | Significant influence | 2016-04-06 | Ceased 2021-07-23 |
| Mr William Henry Salomon | Individual | Significant influence | 2016-04-06 | Ceased 2021-07-23 |
Filing timeline
Last 20 of 123 total filings
| Date | Type | Category | Description | |
|---|---|---|---|---|
| 2026-07-12 | AA | accounts | Accounts with accounts type full | |
| 2026-06-03 | AP01 | officers | Appoint person director company with name date | |
| 2026-06-02 | TM01 | officers | Termination director company with name termination date | |
| 2026-04-15 | AP01 | officers | Appoint person director company with name date | |
| 2026-04-15 | AP01 | officers | Appoint person director company with name date | |
| 2026-04-09 | TM01 | officers | Termination director company with name termination date | |
| 2026-04-09 | TM01 | officers | Termination director company with name termination date | |
| 2026-04-09 | TM01 | officers | Termination director company with name termination date | |
| 2026-02-17 | CS01 | confirmation-statement | Confirmation statement with no updates | |
| 2025-09-10 | AD03 | address | Move registers to sail company with new address | |
| 2025-09-10 | AD02 | address | Change sail address company with new address | |
| 2025-09-10 | CS01 | confirmation-statement | Confirmation statement with no updates | |
| 2025-09-09 | CH01 | officers | Change person director company with change date | |
| 2025-09-09 | CH01 | officers | Change person director company with change date | |
| 2025-09-09 | CH01 | officers | Change person director company with change date | |
| 2025-07-14 | AA | accounts | Accounts with accounts type full | |
| 2025-01-02 | AP03 | officers | Appoint person secretary company with name date | |
| 2024-11-14 | TM02 | officers | Termination secretary company with name termination date | |
| 2024-10-04 | MR04 | mortgage | Mortgage satisfy charge full | |
| 2024-08-29 | CS01 | confirmation-statement | Confirmation statement with no updates |
Public-record activity
Raw counts from Companies House — last 12–24 months
- Filings
- 15
- Capital events
- 0
- Officers appointed
- 2
- 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.