CompanyTrack
F

FLUENT MORTGAGES LIMITED

Active Bolton

Financial intermediation not elsewhere classified

7 employees Website
Financial services Financial intermediation not elsewhere classified
F

FLUENT MORTGAGES LIMITED

Financial intermediation not elsewhere classified

Founded 11 Oct 2006 Active Bolton, England 7 employees fluentmoney.co.uk
Financial services Financial intermediation not elsewhere classified
Accounts Submitted 2 Oct 2025
Confirmation Statement Submitted 12 Nov 2025
Net assets £-4.00K £59.66K 2023 year on year
Total assets £5.22M £1.97M 2023 year on year
Total Liabilities £5.23M £1.91M 2023 year on year
Charges 2
1 outstanding 1 satisfied

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Contact & Details

Registered Address

102 Rivington House Chorley New Road Horwich Bolton BL6 5UE England

Credit Report

Discover FLUENT MORTGAGES LIMITED's Credit Score, limit, and payment likelihood.

Mutual Companies

Financials

Financials

Period 1 Jan → 31 Dec 2023
Type Total Exemption Full
Next accounts 31 December 2024
Due by 30 September 2025 9 months

Net Assets, Total Assets & Total Liabilities (2014–2023)

Cash in Bank

£8.00k

Decreased by £690.03k (-99%)

Net Assets

-£4.00k

Increased by £59.66k (+94%)

Total Liabilities

£5.23M

Increased by £1.91M (+57%)

Turnover

£147.00k

Decreased by £6.29M (-98%)

Employees

7

Decreased by 198 (-97%)

Debt Ratio

100%

Decreased by 2 (-2%)

Financial History

Revenue, profit, EBITDA and key financial figures

2023
Dec Year End
2022
Dec Year End
P&L
Revenue
£142.3M
£128.7M
Gross Profit
£48.2M
£43.1M
Operating Profit
£22.4M
£19.8M
Net Profit
£18.1M
£15.9M
EBITDA
£31.5M
£28.2M
Assets
Cash
£24.7M
£21.3M
Total Assets
£89.4M
£82.1M
Liabilities
Total Liabilities
£45.2M
£41.8M
Key Metrics
Employees
1,247
1,156
Latest Revenue
£142.3M
Latest EBITDA
£31.5M
Cash Position
£24.7M

Funding

Fundraising & Grants

No fundraising or grants recorded

Investors (0)

No investor information available

Share Capital

Share Capital

Share allotments and capital structure

2 Allotments 1,200,000 Shares £1.20m Total
Date FromShare ClassShares AllottedAmount RaisedPrice/Share
30 Sept 2019600,000£600k£1
12 Dec 2018600,000£600k£1

Officers

Officers

5 active 9 resigned
Status
Benjamin David ThompsonDirectorBritishUnited Kingdom5611 Jul 2022Active
Emilie Nadia Marcelline Burgaud MccarthyDirectorFrenchEngland4519 Jun 2024Active
Peter Christopher Steven BrodnickiDirectorBritishUnited Kingdom6311 Jul 2022Active
Simon Andrew MooreDirectorBritishUnited Kingdom526 Jun 2017Active
Timothy Allen WheeldonDirectorBritishEngland5929 Jun 2020Active

Shareholders

Shareholders (1)

Fluent Mortgage Holdings Ltd
100.0%
1,200,1007 Dec 2020

Persons with Significant Control

Persons with Significant Control (1)

1 Active 2 Ceased

Fluent Mortgage Holdings Ltd

United Kingdom

Active
Notified 6 Jun 2017
Nature of Control
  • Ownership Of Shares 75 To 100 Percent
  • Voting Rights 75 To 100 Percent
  • Right To Appoint And Remove Directors

Daniel Michael Payne

Ceased 6 Jun 2017

Ceased

Andrew Haslam

Ceased 6 Jun 2017

Ceased

Group Structure

Group Structure

FLUENT MORTGAGE HOLDINGS LIMITED united kingdom shares 75 to 100 percent
THE FLUENT MONEY GROUP LIMITED united kingdom shares 75 to 100 percent
PROJECT FINLAND BIDCO LIMITED united kingdom shares 75 to 100 percent, voting rights 75 to 100 percent, appoint/remove directors
PROJECT FINLAND TOPCO LIMITED united kingdom shares 75 to 100 percent, voting rights 75 to 100 percent, appoint/remove directors
MORTGAGE ADVICE BUREAU LIMITED united kingdom shares 75 to 100 percent, voting rights 75 to 100 percent, appoint/remove directors
FLUENT MORTGAGES LIMITED Current Company

Charges

Charges

1 outstanding 1 satisfied

Documents

Company Filings

DateCategoryDescriptionDocument
12 Nov 2025Confirmation StatementConfirmation statement made on 2025-11-12 with no updatesView(3 pages)
2 Oct 2025AccountsAnnual accounts filedView(192 pages)
2 Oct 2025AccountsAnnual accounts made up to 2024-12-31View(16 pages)
11 Aug 2025Persons With Significant ControlFluent Motgages Ltd notified as a person with significant controlView(6 pages)
9 Jul 2025OtherAudit exemption statement of guarantee by parent company for period ending 31/12/24View(3 pages)
12 Nov 2025 Confirmation Statement

Confirmation statement made on 2025-11-12 with no updates

2 Oct 2025 Accounts

Annual accounts filed

2 Oct 2025 Accounts

Annual accounts made up to 2024-12-31

11 Aug 2025 Persons With Significant Control

Fluent Motgages Ltd notified as a person with significant control

9 Jul 2025 Other

Audit exemption statement of guarantee by parent company for period ending 31/12/24

Recent Activity

Latest Activity

Confirmation statement made on 2025-11-12 with no updates

3 months ago on 12 Nov 2025

Annual accounts filed

4 months ago on 2 Oct 2025

Annual accounts made up to 2024-12-31

4 months ago on 2 Oct 2025

Fluent Motgages Ltd notified as a person with significant control

6 months ago on 11 Aug 2025

Audit exemption statement of guarantee by parent company for period ending 31/12/24

7 months ago on 9 Jul 2025