FLUENT MORTGAGES HORWICH LTD - Profile & Financials

Accounts Submitted 2 Oct 2025

Confirmation Statement Submitted 12 Nov 2025

Net assets £-2.13M £2.12M 2023 year on year

Total assets £2.75M £2.40M 2023 year on year

Total Liabilities £4.89M £4.52M 2023 year on year

Charges None No charges registered

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Contact & Details

Contact

Update Details

Registered Address

102 Rivington House Chorley New Road Horwich Lancashire BL6 5UE United Kingdom

Telephone

0800 860 0024

Website

fluentlifetime.co.uk

Credit Report

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

Mutual Companies

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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 (2022–2023)

Cash in Bank

£213.00k

Net Assets

-£2.13M

Decreased by £2.12M (-18304%)

Total Liabilities

£4.89M

Increased by £4.52M (+1249%)

Turnover

£7.61M

Increased by £7.08M (+1344%)

Employees

Decreased by 12 (-71%)

Debt Ratio

178%

Increased by 75 (+73%)

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

Officers

4 active 4 resigned

Show resigned officers

						Status
Benjamin David Thompson	Director	British	United Kingdom	56	11 Jul 2022	Active
Emilie Nadia Marcelline Burgaud Mccarthy	Director	French	England	45	18 Jun 2024	Active
Peter Christopher Steven Brodnicki	Director	British	United Kingdom	63	11 Jul 2022	Active
Timothy Allen Wheeldon	Director	British	England	59	24 May 2022	Active

Shareholders

Shareholders (0)

No shareholder data available

Persons with Significant Control

Persons with Significant Control (1)

1 Active

Fluent Mortgage Holdings Limited

United Kingdom

Active

Notified 24 May 2022

Nature of Control

Ownership Of Shares 75 To 100 Percent
Voting Rights 75 To 100 Percent
Right To Appoint And Remove Directors

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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

MORTGAGE ADVICE BUREAU (HOLDINGS) PLC united kingdom

FLUENT MORTGAGES HORWICH LTD Current Company

Charges

No charges registered

Documents

Company Filings

Date	Category	Description	Document
12 Nov 2025	Confirmation Statement	Confirmation statement made on 2025-11-12 with no updates	View(3 pages)
2 Oct 2025	Accounts	Annual accounts filed	View(192 pages)
2 Oct 2025	Accounts	Annual accounts made up to 2024-12-31	View(17 pages)
14 Apr 2025	Other	Audit exemption statement of guarantee by parent company for period ending 31/12/24	View(3 pages)
14 Apr 2025	Other	Notice of agreement to exemption from audit of accounts for period ending 31/12/24	View(1 page)