KEYSTONE PROPERTY FINANCE LIMITED
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Cash
£2.1M
-14.2% lowest in 3 filed years
Net assets
£5.4M
+16.5% highest in 3 filed years
Employees
106
+8.2% highest in 3 filed years
Profit before tax
£2.8M
+10.9% highest in 3 filed years
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 | £11,325,516 | £15,270,061 | £16,984,851 | +11.2% | |
| Operating profit | £1,041,238 | £2,407,181 | £2,583,215 | +7.3% | |
| Profit before tax | £1,122,508 | £2,554,582 | £2,833,249 | +10.9% | |
| Net profit | £851,641 | £2,062,559 | £2,256,030 | +9.4% | |
| Cash | £3,155,408 | £2,423,823 | £2,080,372 | -14.2% | |
| Total assets less current liabilities | £4,189,621 | £4,751,353 | £5,507,293 | +15.9% | |
| Net assets | £4,034,765 | £4,619,049 | £5,380,424 | +16.5% | |
| Equity | £4,034,765 | £4,619,049 | £5,380,424 | +16.5% | |
| Average employees | 93 | 98 | 106 | +8.2% | |
| Wages | £4,141,554 | £4,727,641 | £5,301,012 | +12.1% | |
| Directors' remuneration | £622,345 | £696,969 | £749,405 | +7.5% |
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 | 9.2% | 15.8% | 15.2% | |
| Net margin | 7.5% | 13.5% | 13.3% | |
| Return on capital employed | 24.9% | 50.7% | 46.9% | |
| Gearing (liabilities / total assets) | — | 26.4% | 24.3% | |
| Current ratio | 3.25x | 2.71x | 2.74x |
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
- KEYSTONE PROPERTY FINANCE LIMITED 2016-03-04 → present
- ENTERPRISE MORTGAGES LIMITED 2007-05-30 → 2016-03-04
Audit & accounting basis
- Accounting basis
- FRS 102
- Reporting scope
- Standalone (parent only)
- Auditor
- Cooper Parry Group Limited
- Audit opinion
- Unqualified (clean)
- Going concern
- Affirmed
“In auditing the financial statements, we have concluded that the directors' use of the going concern basis of accounting in the preparation of the financial statements is appropriate. Based on the work we have performed, we have not identified any material uncertainties relating to events or conditions that, individually or collectively, may cast significant doubt on the company's ability to continue as a going concern for a period of at least twelve months from when the financial statements are authorised for issue.”
Significant events
- “Achieved £485m of new business and Product Transfer completions in 2025.”
- “Completed its 5th Hops Hill securitisation at £400m, achieving the tightest AAA Note pricing in UK BTL securitisations issued in 2025 at SONIA +73bps.”
- “Achieved ISO27001 certification, an international standard for Information Security.”
Auditor, going-concern and subsidiary information is drawn from the narrative of the latest annual accounts. About these numbers
People
5 active · 3 resigned
| Name | Role | Appointed | Born | Nationality |
|---|---|---|---|---|
| O'SHEEN, Elyse | Secretary | 2022-01-01 | — | — |
| COOLE, Elise | Director | 2021-07-20 | Jun 1982 | British |
| O'SHEEN, Elyse | Director | 2022-01-01 | Dec 1988 | British |
| WHITTAKER, David Christopher | Director | 2018-01-15 | Jul 1958 | British |
| WHITTAKER, Simon William | Director | 2007-05-30 | Oct 1953 | British |
Show 3 resigned officers
| Name | Role | Appointed | Resigned |
|---|---|---|---|
| WHITTAKER, David Christopher | Secretary | 2011-05-10 | 2018-01-15 |
| WHITTAKER, Rosamond Mary | Secretary | 2007-05-30 | 2011-05-10 |
| WHITTAKER, Simon William | Secretary | 2018-01-15 | 2022-01-01 |
Ownership
Persons with significant control
| Name | Kind | Nature of control | Notified | Status |
|---|---|---|---|---|
| The Property Business Group Limited | Corporate entity | Shares 75–100% | 2018-05-10 | Active |
| Mortgages For Business Limited | Corporate entity | Shares 75–100% | 2016-04-06 | Ceased 2018-05-10 |
Filing timeline
Last 20 of 75 total filings
| Date | Type | Category | Description | |
|---|---|---|---|---|
| 2026-06-18 | AA | accounts | Accounts with accounts type full | |
| 2026-03-16 | CH01 | officers | Change person director company with change date | |
| 2025-12-09 | CS01 | confirmation-statement | Confirmation statement with updates | |
| 2025-12-08 | CS01 | confirmation-statement | Confirmation statement with no updates | |
| 2025-11-10 | AD01 | address | Change registered office address company with date old address new address | |
| 2025-08-06 | AA | accounts | Accounts with accounts type full | |
| 2024-12-09 | CS01 | confirmation-statement | Confirmation statement with no updates | |
| 2024-08-06 | AA | accounts | Accounts with accounts type full | |
| 2023-12-06 | CS01 | confirmation-statement | Confirmation statement with no updates | |
| 2023-09-12 | AA | accounts | Accounts with accounts type small | |
| 2022-12-06 | CS01 | confirmation-statement | Confirmation statement with no updates | |
| 2022-08-23 | AA | accounts | Accounts with accounts type small | |
| 2022-03-07 | SH06 | capital | Capital cancellation shares | |
| 2022-01-10 | AP01 | officers | Appoint person director company with name date | |
| 2022-01-10 | AP03 | officers | Appoint person secretary company with name date | |
| 2022-01-10 | TM02 | officers | Termination secretary company with name termination date | |
| 2021-12-09 | CS01 | confirmation-statement | Confirmation statement with updates | |
| 2021-09-16 | AUD | auditors | Auditors resignation company | |
| 2021-08-02 | AP01 | officers | Appoint person director company with name date | |
| 2021-06-30 | AA | accounts | Accounts with accounts type small |
Public-record activity
Raw counts from Companies House — last 12–24 months
- Filings
- 6
- 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.