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Next accounts due

2027-09-30 (in 1y)

Last filed for 2025-12-31

Confirmation statement due

2027-05-15 (in 1y)

Last made up 2026-05-01

Watchouts

None on the register

Cash

Latest balance sheet

Net assets

£5M

+7.3% vs 2024

Employees

Average over period

Profit before tax

£455K

-51.5% vs 2024

Accounts

2-year trend · latest reflected 2025-12-31

Metric Trend 2024-12-312025-12-31
Turnover £2,758,812£2,335,315
Operating profit £1,028,802£455,485
Profit before tax £938,283£455,485
Net profit £700,029£341,538
Cash
Total assets less current liabilities £44,276,965£43,064,712
Net assets £4,647,136£4,988,674
Equity £4,647,136£4,988,674
Average employees
Wages
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. About these numbers

Year-on-year

FY2024 → FY2025 · period ending 2025-12-31 vs 2024-12-31

Each % is (latest − prior) ÷ |prior| for the line item as filed. The comparison is only shown when the latest and prior accounts cover broadly equal-length periods — short or long stubs (typical around incorporation or a year-end change) are suppressed rather than misrepresented. Lines a company doesn't report are omitted. About these numbers

Ratios

Computed from the line items above — sparklines read oldest → newest

Ratio Trend 2024-12-312025-12-31
Operating margin 37.3%19.5%
Net margin 25.4%14.6%
Return on capital employed 2.3%1.1%
Gearing (liabilities / total assets) 89.5%88.4%
Current ratio 154.55x60.87x

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

  1. COUNTIES HOME LOAN MANAGEMENT LIMITED 2002-10-07 → present
  2. COUNTIES AND GUARDIAN FINANCIAL SERVICES LIMITED 1989-10-26 → 2002-10-07

Audit & accounting basis

Accounting basis
FRS 102 §1A
Reporting scope
Standalone (parent only)
Abridged
Yes — abridged accounts (limited disclosure)
Auditor
Ernst & Young LLP
Audit opinion
Unqualified (clean)
Going concern
Affirmed

“The Directors have considered the Company's ability to continue as a going concern (see note 1.1), and with the full support of the National Counties Building Society Group which the Company is part of, believe that the Company has sufficient resources to continue operating for the foreseeable future. Accordingly, the financial statements have been prepared on a going concern basis. The Group Board has made an assessment of going concern for a period ending 9th March 2027, which is twelve months from when the financial statements are authorised for issue. The Directors of Counties Home Loan Management Limited have a reasonable expectation that the Company has adequate resources to continue in operational existence for a period of at least 12 months from the date of approval of these financial statements. Therefore, they continue to adopt the going concern basis of accounting 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

2 active · 11 resigned

Name Role Appointed Born Nationality
BARNARD, Andrew David Director 2018-12-24 Jul 1971 British
BOGARD, Mark Alexander Director 2022-11-24 Jan 1962 British
Show 11 resigned officers
Name Role Appointed Resigned
GRATION, Anthony Philip Secretary 1992-05-01 2014-04-30
PERKS, Michael Secretary 1992-05-01
BATCHELOR, Paul Anthony Director 2004-04-21 2010-04-28
CROFT, Christopher Rendell Director 2014-05-01 2022-11-04
FRY, Christopher James Director 2010-04-28 2018-04-24
GRATION, Anthony Philip Director 2002-10-03 2014-04-30
HUGHES, Rodger Grant Director 2015-04-30 2024-04-24
MILTON, John Stephen Director 2012-05-07
WARD, Haydn, Dr Director 2004-04-21
WAYT, John Lancaster Director 2007-04-25
WILLIAMS, Polly Ann Director 2007-06-25 2015-04-30

Ownership

Persons with significant control

Name Kind Nature of control Notified Status
National Counties Building Society Corporate entity Shares 75–100% 2016-06-30 Active

Filing timeline

Last 20 of 117 total filings

Date Type Category Description
2026-05-01 CS01 confirmation-statement Confirmation statement with updates PDF
2026-04-15 AA accounts Accounts with accounts type full
2025-07-02 AA accounts Accounts with accounts type full
2025-06-27 ANNOTATION miscellaneous Legacy
2025-05-01 CS01 confirmation-statement Confirmation statement with updates PDF
2024-05-10 CS01 confirmation-statement Confirmation statement with updates PDF
2024-05-07 CH01 officers Change person director company with change date PDF
2024-04-30 TM01 officers Termination director company with name termination date PDF
2024-04-04 AA accounts Accounts with accounts type full
2023-09-18 AA accounts Accounts with accounts type full
2023-05-03 CS01 confirmation-statement Confirmation statement with updates PDF
2023-01-05 AP01 officers Appoint person director company with name date PDF
2022-11-08 TM01 officers Termination director company with name termination date PDF
2022-05-03 CS01 confirmation-statement Confirmation statement with updates PDF
2022-03-24 AA accounts Accounts with accounts type full
2021-05-12 CS01 confirmation-statement Confirmation statement with no updates PDF
2021-04-19 AA accounts Accounts with accounts type full
2020-07-03 AA accounts Accounts with accounts type full
2020-05-01 CS01 confirmation-statement Confirmation statement with no updates PDF
2019-05-07 CS01 confirmation-statement Confirmation statement with no updates PDF

Public-record activity

Raw counts from Companies House — last 12–24 months

Filings
5

last 12 months

Capital events
0

last 24 months

Officers appointed
0

last 12 months

Officers resigned
0

last 12 months

Direct counts from the register. No score, no rating — see the Filing timeline for the underlying events.

Official Companies House page