Centric Mortgage Finance Ltd
Registered name: CENTRIC MORTGAGE FINANCE LTD
Centric Mortgage Finance Ltd made £248k revenue and £37.6k profit in the year to 31 Dec 2025.
Centric Mortgage Finance Ltd’s revenue grew 1% to £248k in the year to 31 Dec 2025, with £37.6k profit and 2 employees. The company is classified under “financial intermediation not elsewhere classified” and is based in Sevenoaks; we hold 4 years of its filed accounts.
- Status
- Active
- Location
- Sevenoaks, South East
- Age
- 13 yrs · since 2012
- Type
- Private Limited Company
Pass-through vehicle. This looks like a holding, staffing or umbrella company. Its revenue and profit may largely pass through to or from other entities, so the figures may not reflect a standalone operating business. It is excluded from our opportunity lists.
Key figures
Badges are automated estimates derived from the filed figures — not statements of fact about the company.
Financial history
| Year to | 31 Dec 2022 | 31 Dec 2023 | 31 Dec 2024 | 31 Dec 2025 |
|---|---|---|---|---|
| Disclosure | Full P&L | Full P&L | Full P&L | Full P&L |
| Profit & loss | ||||
| Revenue (turnover) | £379k | £264k | £246k | £248k |
| Profit after tax | £111k | £52.7k | £60.4k | £37.6k |
| Profit (best available) | £111k | £52.7k | £60.4k | £37.6k |
| Staff costs | £30k | £53.8k | £41k | £43.3k |
| Employees (average) | — | 2 | 2 | 2 |
| Ratios | ||||
| Profit margin | 29.3% | 19.9% | 24.6% | 15.2% |
| Revenue per employee | — | £132k | £123k | £124k |
| Profit per employee | — | £26.4k | £30.2k | £18.8k |
| Growth (year on year) | ||||
| Revenue growth | — | ▼30.2% | ▼7.1% | ▲0.9% |
| Profit growth | — | ▼52.5% | ▲14.5% | ▼37.8% |
| Headcount growth | — | — | 0% | 0% |
| Balance sheet — indirect signals, not revenue | ||||
| Net assets | £44.8k | £20.1k | £17.1k | £9.5k |
| Current assets | £44.8k | £20.1k | £17.1k | £9.5k |
| Source | FullAccounts · bulk data Sep 2024 | FullAccounts · bulk data Sep 2024 | FullAccounts · bulk data Sep 2025 | FullAccounts · bulk data Feb 2026 |
How the business works
- Profit margin
- 15.2%
- Profit ÷ revenue.
- Gross margin
- —
- Gross profit ÷ revenue. High for software and services.
- Revenue per employee
- £124k
- Revenue ÷ average employees.
- Profit per employee
- £18.8k
- Profit ÷ average employees.
- Cash conversion
- —
- Cash generated from operations ÷ operating profit. Needs a cash-flow statement.
- Fixed assets ÷ revenue
- —
- Capital intensity. Low = capital-light, cheaper to start.
- Deferred income ÷ revenue
- —
- Customers paying upfront (subscriptions, deposits). Approximate when combined with accruals.
- Debtors ÷ revenue
- —
- Money owed by customers. Low = customers pay quickly.
Balance-sheet signals
Year-on-year changes in filed balance-sheet items. They can hint at momentum (or investment) but are not revenue or profit and must not be read as such.
- Net assets
- ▼44%
- Now £9.5k
- Cash at bank
- —
- Now —
- Headcount
- 0%
- Now 2
- Deferred income
- —
- Now —
- Fixed assets
- —
- Now —
Sources
Latest figures from FullAccounts for the year to 31 Dec 2025 (profit £37.6k), from the Companies House accounts bulk data published Feb 2026. Spotted an error? Request a correction.
Contains public sector information from Companies House licensed under the Open Government Licence v3.0. Data from Companies House, © Crown copyright. View the licence.