Filing status
- Accounts due
- 30 September 2027
- Last accounts
- 31 December 2025
- Conf. stmt due
- 14 March 2027
- Last conf. stmt
- 28 February 2026
M & R FM Ltd
- Incorporated
- 28 February 2012 (14 years)
- Previously known as
- M&R FM Limited (until 21 May 2013)This list may be incomplete. See all names on Companies House
- Industry
- Financial intermediation not elsewhere classified (64999)
- Owned by
- Accounts type
- Small
- Region
- North East
- Address
- 14 Kensington TerraceGatesheadNE11 9SL
Charges
- Total
- 4
- Outstanding
- 0
- Part satisfied
- 0
- Satisfied
- 4
Officers 4 active
Officer details are public data from the Companies House register.
Director · Appointed 22 September 2026
British
Born February 1970 (56)
Director · Appointed 15 September 2025
British
Born September 1979 (47)
British
Born August 1981 (45)
Director · Appointed 28 February 2012
British
Born February 1980 (46)
Officer history (5 former)
22 September 2026
22 September 2026
22 September 2026
31 December 2025
15 September 2025
15 September 2025
15 September 2025
15 September 2025
11 January 2021
11 January 2021
Resigned Riley, Rachel Anne as Director
1 July 2014
1 July 2014
Appointed Riley, Rachel Anne as Director
28 February 2012
28 February 2012
Ownership 1 active
People and entities with significant control, from the Companies House PSC register
Corporate entity · Notified 3 April 2025
Owns 50–75% of shares
Holds 50–75% of voting rights
Private Limited Company
Reg. no. Sc175659
Holdings 2
Companies where M & R FM Ltd is registered as a person with significant control
Owns 75–100% of shares
Status not confirmed
Owns 75–100% of shares
Active
Former controllers (2)
15 September 2025
15 September 2025
Group structure 56 shown
Ownership group derived from the Companies House PSC register
Mortgage Advice Bureau Limited Owns 75–100% of shares
Aux Group Limited Owns 75–100% of shares
Auxilium Partnership Limited Owns 75–100% of shares
Buildstore Limited Owns 25–50% of shares
Blank Canvas Homes Ltd Owns 75–100% of shares
Blank Canvas Mortgages Limited Owns 25–50% of shares
Buildloan Limited Owns 75–100% of shares
Buildstore Buying Group Limited Owns 25–50% of shares
Buildstore Custom Build Limited Owns 75–100% of shares
Buildstore Insurance Services Limited Owns 75–100% of shares
Buildstore Mortgage Services Limited Owns 75–100% of shares
Create Your Home Limited Owns 75–100% of shares
Create Yours Limited Owns 75–100% of shares
Custom Build Homeloans Ltd Owns 75–100% of shares
Custom Build Homes England Limited Owns 75–100% of shares
Launchpad Custombuild Homes Limited Owns 75–100% of shares
Launchpad Custombuild Limited Owns 75–100% of shares
Project Home Finance Limited Owns 75–100% of shares
Right to Build Register Limited Owns 75–100% of shares
Capital Protect Limited Owns 75–100% of shares
Clear Mortgage Solutions Limited Owns 25–50% of shares
True North Specialist Finance Ltd Owns 75–100% of shares
CO2 Commercial Limited Owns 25–50% of shares
Pinnacle Surveyors (England and Wales) Limited Owns 75–100% of shares
Pinnacle Surveyors Limited Owns 75–100% of shares
Dashly Limited Owns 75–100% of shares
Evolve FS Ltd Owns 75–100% of shares
Evolve Mortgages Limited Owns 75–100% of shares
Evolve Specialist Lending Solutions Limited Owns 75–100% of shares
First Mortgage Direct Limited Owns 75–100% of shares
First Mortgage Limited Owns 75–100% of shares
First Mortgage Shop Limited Owns 75–100% of shares
First Mortgages Limited Owns 75–100% of shares
Fresh Start Finance Limited Owns 75–100% of shares
Home Loan Services (Glasgow) Limited Owns 75–100% of shares
Kinleigh Financial Services Limited Owns 75–100% of shares
Lucra Mortgages Limited Owns 75–100% of shares
M & R FM Ltd This company Owns 50–75% of shares
Property Law Centre Limited Owns 75–100% of shares
Heron Financial Limited Owns 50–75% of shares
Heron Financial North East Limited Owns 75–100% of shares
Homeowners Alliance Ltd Owns 75–100% of shares
Mab (Derby) Limited Owns 75–100% of shares
Mab Financial Planning Limited Owns 75–100% of shares
Mab Private Finance Ltd Owns 75–100% of shares
Mab1 Limited Owns 75–100% of shares
Mabwm Limited Owns 75–100% of shares
Talk Limited Owns 75–100% of shares
Financial Talk Limited Owns 75–100% of shares
L&P 137 Limited Owns 75–100% of shares
L&P 134 Limited Owns 75–100% of shares
Mortgage Talk (Partnership) Limited Owns 75–100% of shares
Mortgage Talk Ltd. Owns 75–100% of shares
Loan Talk Limited Owns 75–100% of shares
Survey Talk Limited Owns 75–100% of shares
Financials
Figures from 2022 accounts. Newer accounts, made up to 31 December 2025, are filed but not read yet. See them on Companies House
- Net Assets
- £732,765
- Cash
- £981,548
- Turnover
- £3,206,953
- Profit Before Tax
- £743,709
- Employees
- 51
- Debt Ratio
- 41%
- Current Ratio
- 4.0x
- Profit Margin
- 23%
- Return on Equity
- 82%
Trend
Net Assets
Balance sheet detail
| 2022 | 2020 | 2019 | |
|---|---|---|---|
| Fixed Assets | £46,108 | £37,665 | £520,384 |
| Current Assets | £1,198,966 | £1,193,616 | £1,082,223 |
| Debtors | £90,101 | £213,558 | |
| Cash | £981,548 | £1,103,515 | £868,665 |
| Creditors (< 1 year) | £297,070 | £309,262 | |
| Creditors (> 1 year) | £50,000 | ||
| Net Current Assets | £901,896 | £884,354 | £819,076 |
| Net Assets | £732,765 | £864,862 | £1,119,615 |
| Shareholder Funds | £732,765 | £864,862 | |
| Turnover | £3,206,953 | ||
| Cost of Sales | £465,227 | ||
| Gross Profit | £2,741,726 | ||
| Admin Expenses | £2,005,615 | ||
| Staff Costs | £1,613,136 | ||
| Operating Profit | £741,815 | ||
| Profit Before Tax | £743,709 | ||
| Tax | £143,878 | ||
| Profit for Period | £599,831 | ||
Filings
Recent filings only. See the full history on Companies House
| Date | Description | Made Up To | Pages | |
|---|---|---|---|---|
| 2 September 2026 | Replacement filing of Confirmation Statement | 28 February 2024 | ||
| 10 August 2026 | Accounts for a small company | 31 December 2025 | ||
| 28 February 2024 | Confirmation statement with no updates | 28 February 2024 |
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