PARTNERSHIP HOME LOANS LIMITED

ENTERPRISE HOUSE, BANCROFT ROAD, REIGATE, SURREY, RH2 7RP

Previous name: CITY HOME LOANS LIMITED (changed on 20-Dec-2005)

Company Number: 05108846
Incorporation date: 22-Apr-2004
Status: Active
Entity type: Private Limited Company

SIC codes:
64921 Credit granting by non-deposit taking finance houses and other specialist consumer credit grantors





SUMMARY

This company is 19.9 years old and is currently active. It is controlled by Partnership Group Holdings Limited. The company has positive equity (net assets) of GBP 555.9 thousand which has decreased from the previous year's figure of GBP 573.7 thousand. The latest reported revenue figure is GBP 53.6 thousand which is down -40% on the previous year. Retained earnings is negative (GBP -1.6 million), which means the company has aggregate losses since it's inception or it has paid more dividends than it can afford; given the company's age, this is a sign of serious financial problems. The company has 5 active officers (directors or partners) who are or were officers of 84 other companies, 9 (10.7%) of which have since been dissolved or are proposed for strike off. The company has no public disputes filed on the Business Disputes Register. There are no court cases involving the company that we are aware of.


FINANCIALS (BETA)

Next accounts due: 30-Sep-2024
Accounts Filed: FULL (31-Dec-2022)


P&L Financials:
Year end Currency Revenue Operating profit Interest Received Interest Paid Tax Net Profit GBP
31-Dec-2019 GBP 53,625 116,211
31-Dec-2018 GBP 84,445 109,271
31-Dec-2017 GBP 118,503 80,526
31-Dec-2016 GBP 738,688 1,070 -85,300


Balance Sheet Financials:
Year end Currency Cash Current Assets Current Liabilities Debt Share Capital Premium Reserve Retained Earnings Net Assets
31-Dec-2019 GBP 112,139 2,115,000 -1,559,142 555,858
31-Dec-2018 GBP 68,042 1,665,000 -1,091,346 573,654
31-Dec-2017 GBP 10 11 -627,829 587,171
31-Dec-2016 GBP 549,749 765,000 -179,934 765,000

VALUATION EVENTS (BETA)

Year end Currency % Equity Sum raised Pre-Money Valuation* Post-Money Valuation* Enterprise Value**
31-Dec-2019 GBP 21.28% 450,000 1,665,000 2,115,000 1,799,910
31-Dec-2018 GBP 100.00% 1,664,989 11 1,665,000 798,480
31-Dec-2017 GBP -6,954,445.45% -764,989 765,000 11 107,626
* Average valuation during the period
** Estimated based on average Cash and Debt levels during period

DISPUTES

No disputes filed on www.disputesregister.org

COMPANY SECRETARY


Status Name Appointed on Resigned on Occupation Nationality All apointments
(active/resigned)
Active Simon Donald WATSON 29 Jan 2020 29 Mar 2024 1 - 0
Resigned David WHITEHEAD 26 Apr 2019 29 Jan 2020 0 - 1
Resigned Paul WATERS 15 Mar 2019 26 Apr 2019 0 - 1
Resigned Simon Andrew O'HARA 06 Jul 2015 15 Mar 2019 0 - 1
Resigned RISM COSEC LIMITED 22 Dec 2014 06 Jul 2015 0 - 1
Resigned Fiona Elizabeth DARBY 30 Apr 2010 22 Dec 2014 0 - 1
Resigned Peter John LAGERBERG 26 Apr 2005 30 Apr 2010 0 - 12

DIRECTORS


Status Name Appointed on Resigned on Occupation Nationality All appointments
(active/resigned)
Dissolved companies
(rate)
Active Mark William GODSON 01 Dec 2023 Executive Director British 34 - 20 (0.0%)
Active Michelle Ann CRACKNELL 05 Jan 2023 Director British 11 - 288 (20.5%)
Active Kathleen Jeanette BYRNE 05 Jan 2023 Non-Executive Director British 6 - 12 (28.6%)
Active Mary Catherine PHIBBS 05 Jan 2023 Director British, 11 - 112 (9.1%)
Resigned Andrew Mark PARSONS 13 Feb 2020 01 Dec 2023 Director British 2 - 13643 (31.2%)
Resigned David Paul COOPER 11 May 2016 05 Jan 2023 Director British 15 - 102 (8.0%)
Active Paul James TURNER 29 Apr 2016 Director British 19 - 10 (0.0%)
Resigned Andrew Stephen MELCHER 12 Apr 2016 31 Dec 2022 Company Director British 1 - 437 (15.9%)
Resigned Michael John DEAKIN 12 Apr 2016 15 Jul 2019 Company Director British 0 - 20 (0.0%)
Resigned Tom CROSS BROWN 08 Apr 2016 08 Apr 2016 Company Director English 1 - 405 (12.2%)
Resigned Rodney Malcolm COOK 04 Apr 2016 04 Apr 2016 Company Director British 6 - 262 (6.3%)
Resigned Keith NICHOLSON 04 Apr 2016 04 Apr 2016 Company Director British 0 - 20 (0.0%)
Resigned Simon George THOMAS 04 Apr 2016 04 Apr 2016 Company Director British 0 - 4811 (22.9%)
Resigned Clare SPOTTISWOODE 27 Mar 2015 04 Apr 2016 Non-Executive Director British 0 - 30 (0.0%)
Resigned Paul BISHOP 29 Sep 2014 05 Jan 2023 Director British 0 - 60 (0.0%)
Resigned Simon John WAUGH 26 Jun 2014 04 Apr 2016 Director British 0 - 30 (0.0%)
Resigned Ian Donald CORMACK 06 Sep 2013 05 Jan 2023 Director British 5 - 295 (14.7%)
Resigned Douglas FERRANS 28 Aug 2013 04 Apr 2016 Director British 4 - 2310 (37.0%)
Resigned Chistopher Shaw GIBSON-SMITH 28 Aug 2013 04 Apr 2016 Director British 0 - 10 (0.0%)
Resigned Richard Churchill WARD 28 Aug 2013 04 Apr 2016 Director British 8 - 100 (0.0%)
Resigned David Louis RICHARDSON 11 Feb 2013 05 Jan 2023 Chief Financial Officer Irish 6 - 20 (0.0%)
Resigned Kathryn Elizabeth PURVES 22 Feb 2012 24 Sep 2015 Director British 7 - 222 (6.9%)
Resigned Gerard Michael HOSTY 29 Mar 2011 15 Jan 2015 Md Equity Release British 2 - 138 (53.3%)
Resigned Andrew John Michael CHAMBERLAIN 25 Oct 2010 04 Apr 2016 Chief Financial Actuary British 1 - 61 (14.3%)
Resigned Andrew Peter MEGSON 25 Jun 2009 04 Apr 2016 Managing Director Of Retirement British 4 - 132 (11.8%)
Resigned Arthur Mark DEARSLEY 01 Apr 2009 04 Apr 2016 Chief Financial Officer British 0 - 130 (0.0%)
Resigned Robin John HOUGHTON 23 Sep 2008 16 Feb 2011 Chief Actuary British 2 - 30 (0.0%)
Resigned Robin Ashley PHIPPS 28 Feb 2008 07 Mar 2014 Business Consultant British 4 - 3613 (32.5%)
Resigned Christopher James RHODES 26 Apr 2007 24 Aug 2009 Chartered Accountant British 0 - 101 (10.0%)
Resigned Jane Anne KENNEDY 19 Feb 2007 30 Jun 2017 Financial Services British 6 - 122 (11.1%)
Resigned Ruth Elizabeth CLARKE 19 Feb 2007 17 Aug 2009 Sales & Marketing Director British 0 - 20 (0.0%)
Resigned David Thomas Mcaree YOUNG 25 May 2006 01 Oct 2013 Company Secretary British 11 - 3713 (27.1%)
Resigned Ian Bruce, Dr OWEN 25 May 2006 04 Apr 2016 Actuary British 4 - 589 (14.5%)
Resigned Alastair William MUIRHEAD 25 May 2006 05 Aug 2008 Private Equity Scottish 3 - 3310 (27.8%)
Resigned Gaynor Annette WATERMAN 25 May 2006 01 Aug 2009 Underwriting Director British 0 - 50 (0.0%)
Resigned Simon Gregory Michael WHITEHEAD 26 Apr 2005 21 Dec 2006 Chief Executive British 1 - 2711 (39.3%)
Resigned Stephen James GROVES 26 Apr 2005 04 Apr 2016 Managing Director British 27 - 171 (2.3%)
Resigned FORM 10 DIRECTORS FD LTD 22 Apr 2004 23 Apr 2004 0 - 2692514066 (52.2%)
Resigned FORM 10 SECRETARIES FD LTD 22 Apr 2004 23 Apr 2004 0 - 2543613403 (52.7%)
Number of active directors: 5
Average tenure of active directors: 2.4 years
Average tenure of resigned directors: 4.2 years
Average active director Dissolution Rate: 11.6%

DIRECTOR APPOINTMENTS IN OTHER COMPANIES

Name
 
ORIGEN INVESTMENT SERVICES LIMITED (00703741) - Dissolved
REASSURE LIFE LIMITED (01363932) - Active
REASSURE LIFE PENSION TRUSTEES LIMITED (01538109) - Active
QUILTER BUSINESS SERVICES LIMITED (01579311) - Active
FINANCIAL ADMINISTRATION SERVICES LIMITED (01629709) - Active
QUILTER INVESTMENT PLATFORM LIMITED (01680071) - Active
BARNETT WADDINGHAM TRUSTEES (1984) LIMITED (01786826) - Active
ORIGEN TRUSTEE SERVICES LIMITED (01943724) - Active
MORGAN STANLEY SECURITIES LIMITED (02068221) - Active
MORGAN STANLEY & CO. INTERNATIONAL PLC (02068222) - Active
NOVAE SYNDICATES LIMITED (02082070) - Active
OMNILIFE INSURANCE COMPANY LIMITED (02294080) - Active
INVESTMENT STRATEGIES (UK) LIMITED (02294264) - Dissolved
IFA HOLDING COMPANY LIMITED (02411822) - Liquidation
THE PENSIONS ADVISORY SERVICE (02459671) - Active
BARNETT WADDINGHAM TRUSTEES (1992) LIMITED (02738578) - Active
VIRGIN MONEY UNIT TRUST MANAGERS LIMITED (03000482) - Active
MORGAN STANLEY INTERNATIONAL LIMITED (03584019) - Active
MORGAN STANLEY BANK INTERNATIONAL LIMITED (03722571) - Active
ASSOCIATION OF PROFESSIONAL FINANCIAL ADVISERS (03779289) - Active
ORIGEN FINANCIAL SERVICES LIMITED (03926629) - Active
BROOMCO (2248) LIMITED (04018809) - Dissolved
LIGHTHOUSE GROUP LIMITED (04042743) - Active
THE PENSIONS POLICY INSTITUTE (04145584) - Active
QUILTER LIFE & PENSIONS LIMITED (04163431) - Active
IFA SERVICES HOLDINGS COMPANY LIMITED (04313970) - Liquidation
JUST RETIREMENT MANAGEMENT SERVICES LIMITED (04682458) - Active
JUST RETIREMENT LIMITED (05017193) - Active
JUST RETIREMENT (HOLDINGS) LIMITED (05078978) - Active
PARTNERSHIP HOME LOANS LIMITED (05108846) - Active
ORIGEN LIMITED (05113506) - Active
HUB FINANCIAL SOLUTIONS LIMITED (05125701) - Active
ENHANCED RETIREMENT LIMITED (05125745) - Active
JUST EQUITY RELEASE LIMITED (05135289) - Active
JUST ANNUITIES LIMITED (05135298) - Active
JUST RETIREMENT NOMINEES LIMITED (05204742) - Active
PARTNERSHIP LIFE ASSURANCE COMPANY LIMITED (05465261) - Active
PARTNERSHIP SERVICES LIMITED (05465380) - Active
PARTNERSHIP GROUP HOLDINGS LIMITED (05465382) - Active
NOVAE GROUP LIMITED (05673306) - Active
PAYNES AND BORTHWICK WHARVES RESIDENTS COMPANY LIMITED (05918111) - Active
FIL WEALTH MANAGEMENT LIMITED (06121251) - Active
JUST PROTECTION LIMITED (06199816) - Active
LIFT-FINANCIAL LTD (06281244) - Active
LIFT-FINANCIAL GROUP LTD (06281490) - Active
INVESTMENT & LIFE ASSURANCE GROUP LIMITED (06295782) - Active
PARTNERSHIP HOLDINGS LIMITED (06610600) - Active
FIL HOLDINGS (UK) LIMITED (06737476) - Active
JUST RETIREMENT GROUP HOLDINGS LIMITED (06930326) - Active
ASKIS LIMITED (07146307) - Active - Proposal to Strike off
EDENDICLARE LIMITED (07232912) - Active - Proposal to Strike off
LLOYDS YOUR TOMORROW TRUSTEE LIMITED (07273393) - Liquidation
NEWDAY LTD (07297722) - Active
MAC 1 CONSULTING LIMITED (07374440) - Dissolved
NEWDAY INTERMEDIATE HOLDINGS LIMITED (07753556) - Active
PAYINGFORCARE LIMITED (07866192) - Active
HUB PENSION CONSULTING LIMITED (08212953) - Active
PASPV LIMITED (08338094) - Active
PARTNERSHIP ASSURANCE GROUP LIMITED (08419490) - Active
JUST GROUP PLC (08568957) - Active
JUST RETIREMENT FINANCE PLC (09297460) - Active
PENSIONBEE LIMITED (09354862) - Active
EPPARG LIMITED (09360811) - Active
JUST RETIREMENT MONEY LIMITED (09415215) - Active
JUST RE 1 LIMITED (09572658) - Active
JUST RE 2 LIMITED (09572665) - Active
SINGING GORILLA PROJECTS (09635623) - Active
JRP NOMINEES LIMITED (09725785) - Active
LLOYDS BANKING GROUP PENSIONS TRUSTEES LIMITED (09919377) - Active
PLACL RE 1 LIMITED (09928101) - Active
HUB PENSION CONSULTING (HOLDINGS) LIMITED (10145612) - Active
JUST RETIREMENT SOLUTIONS LIMITED (10452758) - Active
HUB PENSION SOLUTIONS LIMITED (10459817) - Active
JUST INCORPORATED LIMITED (10496704) - Active
JRP GROUP LIMITED (10496803) - Active
PLACL RE 2 LIMITED (10669500) - Active
HUB TRANSFER SOLUTIONS LIMITED (11333774) - Active
SPIRE PLATFORM SOLUTIONS LIMITED (11401397) - Active
HUB DIGITAL SOLUTIONS LIMITED (11448071) - Active
TOMAS ACQUISITIONS LIMITED (11448177) - Active
METFRIENDS LIMITED (12620550) - Active - Proposal to Strike off
AMICORP FS (UK) PLC (14704124) - Active
FIL PLATFORM SOLUTIONS (UK) LIMITED (15018212) - Active
CANADA PENSION PLAN INVESTMENT BOARD (FC028137) - Active
PENSION BUDDY LIMITED (NI650449) - Active

SHAREHOLDERS (BETA)

Shareholder name Share class Shares at confirmation date
2021-03-242020-03-242019-03-242018-03-242017-03-24
PARTNERSHIP GROUP HOLDINGS LIMITEDORDINARY2,615,000
100%
2,265,000
100%
1,815,000
100%
1,365,000
100%
765,000
100%

SHAREHOLDINGS (BETA)

no shareholding data

CONTROLLED COMPANIES / CONTROLLING ENTITIES



Controlling entities above

PARTNERSHIP HOME LOANS LIMITED

no controlled companies

LATE PAYMENTS REPORT


Start date End date Average days to pay % invoices paid over 60 days % invoices not paid within agreed terms Gov.uk report
2020-01-01 2020-06-30 % % 32205
2019-07-01 2019-12-31 % % 25201
2019-01-01 2019-06-30 18 17% 23% 20200
2018-01-01 2018-12-31 32 14% 27% 12811
2018-01-01 2018-06-30 % % 3302


COURT CASES


No Court Cases found

PATENTS


No Patents found

COMPETITORS

(Based on Sic code: 64921 Credit granting by non-deposit taking finance houses and other specialist consumer credit grantors)

Company Registered Address Company Number YE Date Revenue GBP Net Profit GBP Other SIC codes
BMW FINANCIAL SERVICES (GB) LIMITED SUMMIT ONE, SUMMIT AVENUE, FARNBOROUGH, ENGLAND, GU14 0FB 01288537 2017-12-31 870,090,000 231,774,000
CAPITAL ONE (EUROPE) PLC TRENT HOUSE, STATION STREET, NOTTINGHAM, NG2 3HX 03879023 2017-12-31 566,574,000 166,706,000
PARAGON BANKING GROUP PLC 51 HOMER ROAD, SOLIHULL, WEST MIDLANDS, UNITED KINGDOM, B91 3QJ 02336032 2018-09-30 451,900,000 145,800,000
PROVIDENT PERSONAL CREDIT LIMITED NO. 1, GODWIN STREET, BRADFORD, WEST YORKSHIRE, BD1 2SU 00146091 2018-12-31 339,900,000 -81,800,000
NEWDAY CARDS LTD 7 HANDYSIDE STREET, LONDON, ENGLAND, N1C 4DA 04134880 2018-12-31 259,100,000 26,200,000
RCI FINANCIAL SERVICES LIMITED RIVERS OFFICE PARK DENHAM WAY, MAPLE CROSS, RICKMANSWORTH, ENGLAND, WD3 9YS 03302462 2017-12-31 234,871,000 35,078,000
AMIGO LOANS LTD UNIT 11A,, THE AVENUE CENTRE, BOURNEMOUTH, ENGLAND, BH2 5RP 04841153 2018-03-31 210,600,000 72,200,000
ARROW GLOBAL LIMITED BELVEDERE, 12 BOOTH STREET, MANCHESTER, UNITED KINGDOM, M2 4AW 05606545 2017-12-31 153,292,000 2,254,000
CREATION CONSUMER FINANCE LIMITED WELLINGTON BUILDINGS 6TH FLOOR, WELLINGTON BUILDINGS, 2 - 4 WELLINGTON STREET, BELFAST, NORTHERN IRELAND, BT1 6HT NI032565 2017-12-31 127,785,000 29,541,000
HOME RETAIL GROUP CARD SERVICES LIMITED 33 HOLBORN, LONDON, ENGLAND, EC1N 2HT 04007072 2018-02-28 127,117,000 9,734,000
PREMIUM CREDIT LIMITED ERMYN HOUSE, ERMYN WAY, LEATHERHEAD, ENGLAND, KT22 8UX 02015200 2017-12-31 119,133,000 43,946,000
CREATION FINANCIAL SERVICES LIMITED CHADWICK HOUSE, BLENHEIM COURT, SOLIHULL, WEST MIDLANDS, B91 2AA 01091883 2017-12-31 86,676,000 28,024,000
ADVANTAGE FINANCE LIMITED 2 STRATFORD COURT C/O S&U PLC CRANMORE BOULEVARD, SHIRLEY, SOLIHULL, ENGLAND, B90 4QT 03773673 2018-01-31 78,882,000 24,458,000
S.D. TAYLOR LIMITED 11TH FLOOR LANDMARK ST PETER'S SQUARE, 1 OXFORD ST, MANCHESTER, M1 4PB 00550055 2017-12-31 50,741,000 1,513,000
WELLS FARGO CAPITAL FINANCE (UK) LIMITED 33 KING WILLIAM STREET, LONDON, UNITED KINGDOM, EC4R 9AT 02656007 2017-12-31 48,978,000 20,394,000
BLEMAIN FINANCE LIMITED LAKE VIEW, LAKESIDE, CHEADLE, CHESHIRE, SK8 3GW 01185052 2018-06-30 47,500,000 8,800,000
FIRST RESPONSE FINANCE LIMITED 5 REGAN WAY, CHETWYND BUSINESS PARK, CHILWELL, NOTTINGHAM, NOTTINGHAMSHIRE, UNITED KINGDOM 03560611 2018-03-31 41,023,376 11,684,534
THE CAR FINANCE COMPANY (2007) LTD THE OLD TOWN HALL, 71 CHRISTCHURCH ROAD, RINGWOOD, BH24 1DH 06060536 2018-06-30 21,835,000 -16,791,000
OAKMORE INVESTMENTS LIMITED 98 LIVERPOOL ROAD, FORMBY, LIVERPOOL, ENGLAND, L37 6BS 10321045 2017-12-31 20,334,041 0
MUTUAL CLOTHING & SUPPLY COMPANY LIMITED 39/43 BEDFORD STREET SOUTH, LEICESTER, LE1 3JN 00181701 2017-12-31 19,464,000 965,000
PARAGON FINANCE PLC 51 HOMER ROAD, SOLIHULL, WEST MIDLANDS, B91 3QJ 01917566 2018-09-30 13,244,000 12,255,000
PARTNERSHIP HOME LOANS LIMITED ENTERPRISE HOUSE, BANCROFT ROAD, REIGATE, SURREY, ENGLAND, RH2 7RP 05108846 2017-12-31 118,339 -447,895
CLB GLOBAL GROUP LTD 21 THE GATEWAY, WATFORD, HERTFORDSHIRE, WD18 7HW 07011241 2018-12-31 60,083 0
ROBIN OF HEATHFIELD LIMITED ELDERBURY HOUSE, HOWARDS THICKET, GERRARDS CROSS, BUCKINGHAMSHIRE, SL9 7NU 09245948 2018-09-30 18,417 0
RAVSPEED LTD 12 VICTORIA BUNGALOWS, MAIDSTONE ROAD, SIDCUP, ENGLAND, DA14 5BB 09442820 2018-03-31 14,489 0
REVLINK LIMITED UNIT 53 CARIOCCA BUSINESS PARK 2 HELLIDON CLOSE, ARDWICK, MANCHESTER, ENGLAND, M12 4AH 07209905 2018-03-31 800 0 68209-Other letting and operating of own or leased real estate
70210-Public relations and communications activities
70229-Management consultancy activities other than financial management
GLF LIMITED 7 PORCHESTER PLACE, LONDON, ENGLAND, W2 2BS 06758130 2017-12-31 0 0
ARROW GLOBAL INVESTMENTS HOLDINGS LIMITED BELVEDERE, 12 BOOTH STREET, MANCHESTER, UNITED KINGDOM, M2 4AW 06568603 0000-00-00 0 0
INTERNATIONAL PERSONAL FINANCE PLC 26 WHITEHALL ROAD, LEEDS, UNITED KINGDOM, LS12 1BE 06018973 0000-00-00 0 0

LIQUIDATION RISK (BETA)



This company is Active. Statistically, Active companies have a low probability of being liquidated within a year.
Here are our probability predictions:
Basis Liquidation within 3 months Liquidation within 6 months Liquidation within 12 months Prediction confidence
PARTNERSHIP HOME LOANS LIMITED 0.7% 3.6% 7.1% Medium
Other companies Active in the same sector 0.5% 3.3% 9.3% Medium
Age 0.4% 1.7% 3.3% Medium
Company Type 0.7% 3.7% 7.4% Medium
Accounts category 0.7% 2.2% 3.8% Medium
Accounting Month 0.6% 2.4% 5.5% Medium
Sic code count 0.7% 3.5% 7.0% Medium
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