# CARTREF MORTGAGES LIMITED (10387757)

> CARTREF MORTGAGES LIMITED is an active private limited company (company number 10387757) incorporated on 21 September 2016, registered in Denbigh. Its registered activity is activities of mortgage finance companies (SIC 64922). Latest small accounts cover the period ending 30 September 2025, showing net assets of −£16k and cash of £4,912, with 8 employees on average. Net assets rose 29% on the prior period (−£23k).

- Status: Active
- Incorporated: 2016-09-21
- Registered office: Denbigh, LL16 3HY
- SIC 64922: Activities of mortgage finance companies
- SIC 65110: Life insurance
- SIC 65120: Non-life insurance
- SIC 66220: Activities of insurance agents and brokers
- Next accounts due: 2027-06-30
- Confirmation statement due: 2027-10-05
- Accounts type: TOTAL EXEMPTION FULL

By net assets it sits in the bottom quarter of 576 comparable companies in Other (median £4,304, upper quartile £29k).

## Accounts (as filed)

| Period end | Net assets | Cash | Debtors | Creditors <1y | Turnover | Profit | Employees |
|---|---|---|---|---|---|---|---|
| 2025-09-30 | −£16k | £4,912 | £15k | £48k | — | — | 8 |
| 2024-09-30 | −£23k | £5,046 | £23k | £56k | — | — | 6 |

current ratio 0.42; size band micro.

## Filing and accounts signals (facts, not a rating)

- Net assets below zero: Net assets £-16,059 at 30 September 2025
- Net assets up 10% or more on the prior period: +29.4% vs prior period
- Current assets below creditors within one year: Current ratio 0.42
- Incorporated five or more years ago: Incorporated 21 September 2016

How each signal is derived: https://firmoscan.com/methodology

## Persons with significant control

- Mr Rhodri Gwilym Sellers — owns 75–100% of shares; holds 75–100% of voting rights; can appoint or remove directors, since 2016-09-21

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Source: Companies House register snapshot 2026-08-31, Open Government Licence v3.0. Information may have changed since that date and is not advice or a credit reference; check the official record before relying on it. Official record: https://find-and-update.company-information.service.gov.uk/company/10387757
HTML: https://firmoscan.com/company/10387757-cartref-mortgages-limited