H & S Commercial Finance & Mortgages Limited
Registered name: H & S COMMERCIAL FINANCE & MORTGAGES LIMITED
H & S Commercial Finance & Mortgages Limited made £90k revenue and a £510k loss in the year to 30 Sep 2025.
H & S Commercial Finance & Mortgages Limited’s revenue was £90k in the year to 30 Sep 2025, with a loss of £511k and 2 employees. The company is classified under “financial intermediation not elsewhere classified” and is based in Stoke-on-Trent.
- Status
- Active
- Location
- Stoke-on-Trent, West Midlands
- Age
- 2 yrs · since 2024
- 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 | 30 Sep 2025 |
|---|---|
| Disclosure | Full P&L |
| Profit & loss | |
| Revenue (turnover) | £90k |
| Cost of sales | £180k |
| Gross profit | −£90k |
| Operating profit | −£140k |
| Profit before tax | −£139k |
| Profit after tax | −£511k |
| Profit (best available) | −£511k |
| Employees (average) | 2 |
| Ratios | |
| Profit margin | −567.2% |
| Gross margin | −100% |
| Revenue per employee | £45k |
| Profit per employee | −£255k |
| Balance sheet — indirect signals, not revenue | |
| Cash at bank | £15k |
| Net assets | £30.5k |
| Fixed assets | £13.5k |
| Current assets | £25.5k |
| Debtors | £4.5k |
| Deferred income | £1k |
| Source | FullAccounts · bulk data Oct 2025 |
How the business works
- Profit margin
- −567.2%
- Profit ÷ revenue.
- Gross margin
- −100%
- Gross profit ÷ revenue. High for software and services.
- Revenue per employee
- £45k
- Revenue ÷ average employees.
- Profit per employee
- −£255k
- Profit ÷ average employees.
- Cash conversion
- —
- Cash generated from operations ÷ operating profit. Needs a cash-flow statement.
- Fixed assets ÷ revenue
- 15%
- Capital intensity. Low = capital-light, cheaper to start.
- Deferred income ÷ revenue
- 1.1%
- Customers paying upfront (subscriptions, deposits). Approximate when combined with accruals.
- Debtors ÷ revenue
- 5%
- 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
- —
- Now £30.5k
- Cash at bank
- —
- Now £15k
- Headcount
- —
- Now 2
- Deferred income
- —
- Now £1k
- Fixed assets
- —
- Now £13.5k
Deferred income is reported together with accruals in this filing (“accruals and deferred income”), so it is an approximate signal only.
Sources
Latest figures from FullAccounts for the year to 30 Sep 2025 (profit −£511k), from the Companies House accounts bulk data published Oct 2025. 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.