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NRAM LIMITED
THE WATERFRONT, SALTS MILL ROAD, SHIPLEY, BD17 7EZPrevious name: NRAM (NO. 1) LIMITED (changed on 18-Jul-2016)
Company Number: 09655526
Incorporation date: 24-Jun-2015
Status: Active
Entity type: Private Limited Company
SIC codes:
64922 Activities of mortgage finance companies
SUMMARY
This company is 8.8 years old and is currently active. It is controlled by multiple entities. The company has positive equity (net assets) of GBP 124 million which has decreased from the previous year's figure of GBP 124 million. The latest reported revenue figure is GBP 31.5 million which is down -90% on the previous year. The company has 5 active officers (directors or partners) who are or were officers of 22 other companies. The company has no public disputes filed on the Business Disputes Register. There are 4 court cases involving the company that we are aware of.FINANCIALS (BETA)
Next accounts due: 31-Dec-2024Accounts Filed: GROUP (31-Mar-2023)
P&L Financials:
Year end | Currency | Revenue | Operating profit | Interest Received | Interest Paid | Tax | Net Profit GBP |
---|---|---|---|---|---|---|---|
31-Mar-2019 | GBP | 31,500,000 | 65,300,000 | 400,000 | 84,300,000 | ||
25-Jun-2018 | GBP | 276,800,000 | 332,600,000 | 63,000,000 | 227,700,000 | ||
01-Apr-2018 | GBP | 241,400,000 | 298,700,000 | 69,900,000 | 251,200,000 | ||
03-Jul-2017 | GBP | 320,200,000 | 412,000,000 | 68,400,000 | 305,500,000 | ||
31-Mar-2016 | GBP |
Balance Sheet Financials:
Year end | Currency | Cash | Current Assets | Current Liabilities | Debt | Share Capital | Premium Reserve | Retained Earnings | Net Assets |
---|---|---|---|---|---|---|---|---|---|
31-Mar-2019 | GBP | 178,000,000 | 124,000,000 | 275,900,000 | 124,000,000 | ||||
25-Jun-2018 | GBP | 455,200,000 | 124,000,000 | 15,900,000 | 4,721,100,000 | 124,000,000 | |||
01-Apr-2018 | GBP | 430,200,000 | 124,000,000 | 47,500,000 | 4,957,800,000 | 124,000,000 | |||
03-Jul-2017 | GBP | 700,500,000 | 124,000,000 | 3,263,500,000 | 1,301,900,000 | 124,000,000 | |||
31-Mar-2016 | GBP | 0 | 0 | 0 |
VALUATION EVENTS (BETA)
Year end | Currency | % Equity | Sum raised | Pre-Money Valuation* | Post-Money Valuation* | Enterprise Value** |
---|---|---|---|---|---|---|
03-Jul-2017 | GBP | 100.00% | 3,387,500,000 | 8 | 3,387,500,008 | 1,343,500,008 |
** Estimated based on average Cash and Debt levels during period
DISPUTES
No disputes filed on www.disputesregister.orgCOMPANY SECRETARY
Status | Name | Appointed on | Resigned on | Occupation | Nationality | All apointments (active/resigned) |
---|---|---|---|---|---|---|
Active | Claire Louise CRAIGIE | 01 Jan 2021 | 28 Mar 2024 | 1 - 0 | ||
Resigned | John GORNALL | 24 Jun 2015 | 01 Jan 2021 | 0 - 1 |
DIRECTORS
Status | Name | Appointed on | Resigned on | Occupation | Nationality | All appointments (active/resigned) |
Dissolved companies (rate) |
---|---|---|---|---|---|---|---|
Active | Martin Andrew SCOTT | 01 Nov 2021 | Finance Director | British | 5 - 0 | 0 (0.0%) | |
Active | Matthew GILMOUR | 01 Nov 2021 | Company Director | British | 5 - 0 | 0 (0.0%) | |
Active | Mark WOULDHAVE | 01 Apr 2021 | Managing Director | British | 14 - 2 | 1 (6.3%) | |
Resigned | Holger Randolph VIETEN | 31 Jul 2018 | 29 Oct 2021 | Head Of Banking And Capital Markets | British,German | 2 - 3 | 0 (0.0%) |
Active | Brendan John RUSSELL | 27 Jun 2017 | Company Director | British | 2 - 3 | 0 (0.0%) | |
Resigned | Peter John NORTON | 06 Apr 2017 | 03 Jul 2018 | Government Employee | British | 0 - 4 | 0 (0.0%) |
Active | Brendan Paul MCDONAGH | 06 Jun 2016 | Non-Executive Director | Irish | 2 - 2 | 0 (0.0%) | |
Resigned | Susan Carol LANGLEY | 21 Mar 2016 | 29 Oct 2021 | Non-Executive Director | British | 0 - 1 | 0 (0.0%) |
Resigned | Richard Alan PYM | 21 Mar 2016 | 26 Jul 2016 | Chairman | British | 0 - 2 | 0 (0.0%) |
Resigned | Michael Kent ATKINSON | 21 Mar 2016 | 05 Jun 2016 | Non-Executive Director | English,Brazilian | 0 - 15 | 2 (13.3%) |
Resigned | David Benjamin LUNN | 21 Mar 2016 | 28 Feb 2017 | Non-Executive Director | British | 0 - 4 | 0 (0.0%) |
Resigned | John Hartley TATTERSALL | 21 Mar 2016 | 29 Oct 2021 | Non Executive Director | British | 2 - 2 | 0 (0.0%) |
Resigned | Keith Charles William MORGAN | 21 Mar 2016 | 29 Oct 2021 | Non-Executive Director | British | 4 - 30 | 5 (14.7%) |
Resigned | Michael Donal BUCKLEY | 21 Mar 2016 | 27 Jun 2017 | Self Employed Company Director And Adviser | Irish | 0 - 6 | 0 (0.0%) |
Resigned | David Benjamin LUNN | 21 Mar 2016 | 28 Feb 2017 | Non-Executive Director | British | 0 - 5 | 0 (0.0%) |
Resigned | Ian John HARES | 24 Jun 2015 | 29 Oct 2021 | Director | British | 1 - 83 | 49 (58.3%) |
Resigned | Richard Lee BANKS | 24 Jun 2015 | 05 Jun 2016 | Director | British | 9 - 42 | 11 (21.6%) |
Average tenure of active directors: 4.5 years
Average tenure of resigned directors: 2.7 years
Average active director Dissolution Rate: 1.3%
DIRECTOR APPOINTMENTS IN OTHER COMPANIES
SHAREHOLDERS (BETA)
Shareholder name | Share class | Shares at confirmation date | ||
---|---|---|---|---|
2018-06-19 | 2017-06-21 | 2016-06-24 | ||
UK ASSET RESOLUTION LIMITED | ORDINARY SHARES | 495,959,500 100% | 495,959,500 100% | 495,959,500 100% |
SHAREHOLDINGS (BETA)
Company name | Share class | Shares at confimation date | ||||
---|---|---|---|---|---|---|
2020-10-14 | 2018-10-12 | 2017-10-12 | 2017-02-01 | 2016-10-12 | ||
NRAM LIMITED | ORDINARY ?1 | 6 100% | 6 100% | 6 100% | 0 0% | 0 0% |
NRAM LIMITED | ORDINARY SHARES | 0 0% | 0 0% | 0 0% | 32,000 100% | 0 0% |
NRAM LIMITED | ORDINARY 1 | 0 0% | 0 0% | 0 0% | 0 0% | 6 100% |
CONTROLLED COMPANIES / CONTROLLING ENTITIES
Controlling entities above
NRAM LIMITED
Controlled companies below
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 |
---|---|---|---|---|---|
2021-10-01 | 2022-03-31 | 3 | 0% | 0% | 57956 |
2021-04-01 | 2021-09-30 | 16 | 0% | 21% | 51162 |
2020-10-01 | 2021-03-31 | 24 | 4% | 35% | 44372 |
2020-04-01 | 2020-09-30 | 17 | 5% | 24% | 37569 |
2019-10-01 | 2020-03-31 | 10 | 0% | 0% | 30101 |
2019-04-01 | 2019-09-30 | 32 | 0% | 39% | 22392 |
2018-10-01 | 2019-03-31 | 16 | 0% | 33% | 14348 |
2018-04-01 | 2018-09-30 | 31 | 18% | 47% | 7626 |
COURT CASES
Date | Title | Reference | Subject |
---|---|---|---|
2017-07-19 | NRAM Ltd v Evans & Ors | [2017] EWCA Civ 1013 | |
2015-07-23 | NRAM Plc v McAdam & Anor | [2015] EWCA Civ 751 | |
2014-12-10 | NRAM Plc v McAdam & Anor | [2014] EWHC 4174 (Comm) | |
2014-12-10 | NRAM Plc v McAdam & Anor | [2014] EWHC 4174 (Comm) |
PATENTS
No Patents found
COMPETITORS
(Based on Sic code:
64922 Activities of mortgage finance companies)
Company | Registered Address | Company Number | YE Date | Revenue GBP | Net Profit GBP | Other SIC codes |
---|---|---|---|---|---|---|
ACCORD MORTGAGES LIMITED | YORKSHIRE HOUSE, YORKSHIRE DRIVE, BRADFORD, WEST YORKSHIRE, BD5 8LJ | 02139881 | 2017-12-31 | 527,017,000 | 79,515,000 | |
GODIVA MORTGAGES LIMITED | COVENTRY HOUSE HARRY WESTON ROAD, BINLEY, COVENTRY, ENGLAND, CV3 2TQ | 05830727 | 2017-12-31 | 362,166,000 | 48,937,000 | |
BRADFORD & BINGLEY PLC | THE WATERFRONT, SALTS MILL ROAD, SHIPLEY, ENGLAND, BD17 7EZ | 03938288 | 2018-03-31 | 296,800,000 | 259,400,000 | |
NRAM LIMITED | THE WATERFRONT, SALTS MILL ROAD, SHIPLEY, ENGLAND, BD17 7EZ | 09655526 | 2018-03-31 | 276,800,000 | 227,700,000 | |
AGRICULTURAL MORTGAGE CORPORATION P L C(THE) | KEENS HOUSE, ANTON MILL ROAD, ANDOVER, HAMPSHIRE, UNITED KINGDOM, SP10 2NQ | 00234742 | 2017-12-31 | 105,474,000 | 31,386,000 | |
INDEMNITY & GUARANTEE LIMITED | HERON TOWER, 110 BISHOPSGATE, LONDON, ENGLAND, EC2N 4AY | 08471065 | 2018-03-31 | 89,311,204 | 0 | |
INTERBAY ML, LTD | RELIANCE HOUSE, SUN PIER, CHATHAM, ENGLAND, ME4 4ET | 06038070 | 2017-12-31 | 47,980,000 | 27,734,000 | |
CAPITAL HOME LOANS LIMITED | ADMIRAL HOUSE, HARLINGTON WAY, FLEET, HAMPSHIRE, GU51 4YA | 02174236 | 2017-12-31 | 36,633,000 | 3,009,000 |
64999-Financial intermediation not elsewhere classified |
LANDMARK MORTGAGES LIMITED | ADMIRAL HOUSE, HARLINGTON WAY, FLEET, HAMPSHIRE, ENGLAND, GU51 4YA | 03273685 | 2017-12-31 | 34,603,000 | 9,238,000 | |
YORKSHIRE BANK HOME LOANS LIMITED | 20 MERRION WAY, LEEDS, LS2 8NZ | 01855020 | 2018-09-30 | 31,250,000 | 8,820,000 | |
K T PARTNERSHIP LIMITED | DAVIS BURTON WILLIAMS AND CO UNIT B11, SUTTON BUSINESS CENTRE, RESTMOR WAY, WALLINGTON, SURREY, ENGLAND, SM6 7AH | 07381930 | 2017-09-30 | 837,166 | 0 | |
THE MORTGAGE STORE (IAN WILSON) LIMITED | 64 GOLD STREET, KETTERING, NORTHAMPTONSHIRE, ENGLAND, NN16 8JB | 09447172 | 2018-03-31 | 273,603 | 0 | |
SECURED FUNDING LIMITED | C/O PRYDIS ACCOUNTS LTD, THE PARADE, LISKEARD, CORNWALL, ENGLAND, PL14 6AF | 10698203 | 2018-03-31 | 259,498 | 0 | |
GP FINANCE LTD | 12 PROVIDENCE LANE, LONG ASHTON, BRISTOL, ENGLAND, BS41 9DQ | 09246542 | 2018-03-31 | 174,812 | 0 | |
DEVONFORTH LTD | BFC STADIUM, SEASIDERS WAY, BLACKPOOL, ENGLAND, FY1 6JJ | 05411760 | 2017-12-31 | 147,247 | 0 | |
LOLLYPOP PROPERTIES LIMITED | 43 ST. DAVIDS DRIVE, ENGLEFIELD GREEN, EGHAM, ENGLAND, TW20 0BA | 09411371 | 2019-01-31 | 116,463 | 0 | |
T H MORTGAGE SOLUTIONS LIMITED | THE OLD GRANARY, DUNTON ROAD, LAINDON, ESSEX, UNITED KINGDOM, SS15 4DB | 08003614 | 2018-03-31 | 101,766 | 0 | |
GREENTREE FINANCIAL PLANNING LTD | FLINT COTTAGE, SAWYERS LANE, SUTON, WYMONDHAM, UNITED KINGDOM, NR18 9JH | 09489587 | 2018-03-31 | 79,222 | 0 | |
ABEL FINANCIAL SERVICES LTD | 2 REDCOTE PLACE, DORKING, SURREY, ENGLAND, RH4 1PE | 09454460 | 2018-02-28 | 44,703 | 0 | |
LEWIS BENJAMIN LTD | GREENACRES, 46 FERRY ROAD, BARROW-UPON-HUMBER, ENGLAND, DN19 7BA | 07371734 | 2018-09-30 | 36,180 | 0 | |
PAS FINANCIAL AND MORTGAGE SOLUTIONS LIMITED | 28 ASHLEY ROAD, WESTCOTT, DORKING, SURREY, ENGLAND, RH4 3QJ | 05115189 | 2018-04-30 | 17,283 | 0 | |
CORNERSTONE WEALTH LIMITED | 85 ROCHESTER ROW, WESTMINSTER, LONDON, UNITED KINGDOM, SW1P 1LJ | 09593253 | 2019-05-31 | 11,737 | 0 | |
JO JONES FINANCIAL SERVICES LIMITED | 217 CITY ROAD, EDGBASTON, BIRMINGHAM, WEST MIDLANDS, UNITED KINGDOM, B16 0PU | 10046329 | 2018-03-31 | 11,299 | 0 | |
CHRIS CHANCE LTD | THE BEECHES, MILL LANE, SCAMBLESBY, LOUTH, LINCOLNSHIRE, LN11 9XP | 08436461 | 2019-03-31 | 0 | 0 | |
FORTUNE INVESTMENT GROUP LIMITED | ALBION HOUSE, 86 LONDON STREET, READING, ENGLAND, RG1 4SJ | 09815075 | 2018-10-31 | 0 | 0 | |
MORTGAGE & PROTECTION SOLUTIONS LIMITED | 15 BOLTONS LANE, BINFIELD, BRACKNELL, BERKSHIRE, ENGLAND, RG42 4UA | 08507660 | 2019-03-31 | 0 | 0 | |
PDJ LIMITED | FIFTH FLOOR, 11 LEADENHALL STREET, LONDON, UNITED KINGDOM, EC3V 1LP | 10050672 | 2018-03-31 | 0 | 0 | |
XCEL INVESTIGATIONS LTD. | CAIRDEAS, BARRHILL CRESCENT, KILBARCHAN, PA10 2EU | SC239099 | 2018-11-30 | 0 | 0 | |
INTER BAY FINANCIAL II LIMITED | RELIANCE HOUSE, SUN PIER, CHATHAM, ENGLAND, ME4 4ET | 06672384 | 0000-00-00 | 0 | 0 | |
INTERBAY FUNDING, LTD. | RELIANCE HOUSE, SUN PIER, CHATHAM, ENGLAND, ME4 4ET | 05595882 | 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 |
---|---|---|---|---|
NRAM LIMITED | 0.7% | 3.6% | 7.1% | Medium |
Other companies Active in the same sector | 0.9% | 3.6% | 5.6% | Medium |
Age | 0.6% | 2.5% | 4.9% | Medium |
Company Type | 0.7% | 3.7% | 7.4% | Medium |
Accounts category | 0.6% | 1.5% | 2.5% | Medium |
Accounting Month | 0.5% | 1.8% | 3.9% | Medium |
Sic code count | 0.7% | 3.5% | 7.0% | Medium |