WEST BROMWICH MORTGAGE COMPANY LIMITED
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Cash
—
Latest balance sheet
Net assets
£17m
+23.3% highest in 3 filed years
Employees
0
Average over period
Profit before tax
£4.7m
-54.4% 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 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 | — | £10,831,000 | £7,624,000 | -29.6% | |
| Fee & commission income | — | — | — | — | |
| Operating income | — | — | — | — | |
| Impairment losses | — | -£773,000 | £1,631,000 | +311% | |
| Profit before tax | £13,210,000 | £10,363,000 | £4,728,000 | -54.4% | |
| Net profit | £9,660,000 | £7,439,000 | £3,288,000 | -55.8% | |
| Loans & advances to customers | — | £574,713,000 | £481,536,000 | -16.2% | |
| Customer deposits | — | — | — | — | |
| Total assets | £689,472,000 | £576,067,000 | £482,865,000 | -16.2% | |
| Total liabilities | £682,781,000 | £561,937,000 | £465,447,000 | -17.2% | |
| Equity | £6,691,000 | £14,130,000 | £17,418,000 | +23.3% | |
| 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 |
|---|---|---|---|---|
| Operating margin | 27.9% | 25.2% | — | |
| Net margin | 21.8% | 19.6% | — | |
| Return on capital employed | 1.8% | 1.7% | — | |
| Gearing (liabilities / total assets) | 99.0% | 97.5% | 96.4% | |
| Current ratio | 63.44x | 7.91x | — |
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.
Audit & accounting basis
- Accounting basis
- IFRS
- Reporting scope
- Standalone (parent only)
- Auditor
- PricewaterhouseCoopers LLP
- Audit opinion
- Unqualified (clean)
- Going concern
- Affirmed
“Accordingly they continue to adopt the going concern basis in preparing the financial statements.”
Auditor, going-concern and subsidiary information is drawn from the narrative of the latest annual accounts. About these numbers
People
4 active · 32 resigned
| Name | Role | Appointed | Born | Nationality |
|---|---|---|---|---|
| PENNELLS, Sarah Louise | Secretary | 2019-06-06 | — | — |
| BOYLE, Martin | Director | 2023-04-04 | Oct 1970 | British |
| PAWLEY, Alexander Shaun | Director | 2020-01-02 | Sep 1982 | British |
| WESTHOFF, Jonathan | Director | 2017-03-31 | Jul 1964 | British |
Show 32 resigned officers
| Name | Role | Appointed | Resigned |
|---|---|---|---|
| BARTLEET-CROSS, Susan Lyn | Secretary | 2009-04-29 | 2012-11-28 |
| DAVIES, Peter Charles | Secretary | 2004-07-20 | 2004-10-19 |
| FERRIS, James Daniel | Secretary | 2004-10-19 | 2006-03-13 |
| KARLE, Stephen Ashley | Secretary | 1995-08-01 | 2004-07-20 |
| MANN, Ajwinder Singh | Secretary | 2012-11-28 | 2019-05-30 |
| PRICE, John Michael Anthony | Secretary | 1992-12-11 | 1995-08-01 |
| WELCH, Simon Edward | Secretary | 2006-03-13 | 2009-02-20 |
| BAKER, John Derek | Director | 1992-12-11 | 1995-09-25 |
| BROWN, Michael David | Director | 1992-12-11 | 1995-08-01 |
| CENEY, Samuel | Director | 1992-12-11 | 1995-08-01 |
| CONROY, Andrew Peter | Director | 2013-06-24 | 2014-07-24 |
| COWDRILL, Gary Terence | Director | 1998-09-30 | 2004-04-21 |
| DAVIES, Peter Charles | Director | 2004-07-20 | 2010-05-28 |
| DICKINSON, Raymond Geoffrey | Director | 1992-12-11 | 1995-08-01 |
| DUBBERLEY, Anthony Ronald | Director | 2002-08-08 | 2004-07-20 |
| ELLIOT, Glenn William | Director | 1992-12-11 | 1995-08-01 |
| FIELD, Paul David | Director | 2004-07-20 | 2014-04-17 |
| JOHNSTON, David Thomas | Director | 2002-08-08 | 2004-07-20 |
| KINGDON, Simon Charles | Director | 1996-02-29 | 1997-11-30 |
| LEE, Phillip Andrew | Director | 1998-06-15 | 2002-08-08 |
| LYNCH, Thomas Michael | Director | 2002-08-08 | 2020-01-02 |
| MACKAY, David Michael | Director | 2004-07-20 | 2006-10-03 |
| MARLAND, Paul | Director | 2007-02-15 | 2007-04-11 |
| MESSENGER, Andrew | Director | 1995-08-01 | 2002-08-08 |
| PIRANIE, Mahomed Ashraf | Director | 2017-03-31 | 2022-12-31 |
| PRICE, John Michael Anthony | Director | 1992-12-11 | 1995-08-01 |
| SAYERS, John Richard Charles | Director | 1995-01-25 | 1995-08-01 |
| SMART, Stephen John | Director | 2014-04-17 | 2017-05-04 |
| SMITH, Roger David | Director | 2003-02-10 | 2009-04-16 |
| SOUTHCOTT, Peter Mallet | Director | 2011-09-12 | 2013-03-31 |
| SPITTLE, John Anthony | Director | 1992-12-11 | 1998-07-22 |
| WRIGHT, James Roy Babington | Director | 2014-12-03 | 2017-05-18 |
Ownership
Persons with significant control
| Name | Kind | Nature of control | Notified | Status |
|---|---|---|---|---|
| Mr Manjit Singh Hayre | Individual | Significant influence, Significant influence (as firm) | 2021-12-03 | Ceased 2026-07-07 |
| Mr Jonathan Westhoff | Individual | Significant influence | 2016-04-06 | Ceased 2017-03-31 |
| Mr Mark James Gibbard | Individual | Significant influence | 2016-04-06 | Ceased 2017-03-31 |
| West Bromwich Building Society | Corporate entity | Shares 75–100%, Voting 75–100%, Appoints directors | 2016-04-06 | Active |
Filing timeline
Last 20 of 149 total filings
| Date | Type | Category | Description | |
|---|---|---|---|---|
| 2026-09-15 | AA | accounts | Accounts with accounts type full | |
| 2026-08-06 | CS01 | confirmation-statement | Confirmation statement with no updates | |
| 2026-07-09 | PSC07 | persons-with-significant-control | Cessation of a person with significant control | |
| 2025-08-29 | CS01 | confirmation-statement | Confirmation statement with no updates | |
| 2025-08-22 | AA | accounts | Accounts with accounts type full | |
| 2024-08-23 | AA | accounts | Accounts with accounts type full | |
| 2024-08-13 | CS01 | confirmation-statement | Confirmation statement with no updates | |
| 2023-09-28 | AA | accounts | Accounts with accounts type full | |
| 2023-08-21 | CS01 | confirmation-statement | Confirmation statement with no updates | |
| 2023-04-17 | AP01 | officers | Appoint person director company with name date | |
| 2023-01-10 | CH01 | officers | Change person director company with change date | |
| 2023-01-10 | CH01 | officers | Change person director company with change date | |
| 2023-01-10 | TM01 | officers | Termination director company with name termination date | |
| 2022-10-17 | AA | accounts | Accounts with accounts type full | |
| 2022-07-27 | CS01 | confirmation-statement | Confirmation statement with no updates | |
| 2021-12-16 | CS01 | confirmation-statement | Confirmation statement with no updates | |
| 2021-12-15 | PSC01 | persons-with-significant-control | Notification of a person with significant control | |
| 2021-07-14 | AA | accounts | Accounts with accounts type full | |
| 2020-12-16 | CS01 | confirmation-statement | Confirmation statement with no updates | |
| 2020-06-29 | AA | accounts | Accounts with accounts type full |
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.