# GOBEAR LOANS LTD (12356654)

> GOBEAR LOANS LTD is an active private limited company (company number 12356654) incorporated on 10 December 2019, registered in Cardiff. Its registered activity is activities of mortgage finance companies (SIC 64922). Latest small accounts cover the period ending 31 December 2025, showing net assets of £429k and cash of £381k, with 9 employees on average. Net assets rose 8% on the prior period (£396k).

- Status: Active
- Incorporated: 2019-12-10
- Registered office: Cardiff, CF3 0LT
- SIC 64922: Activities of mortgage finance companies
- Next accounts due: 2027-09-30
- Confirmation statement due: 2026-12-24
- Accounts type: TOTAL EXEMPTION FULL

By net assets it sits in the top quarter of 100 comparable companies in Cardiff (median £2,778, upper quartile £30k).

## Accounts (as filed)

| Period end | Net assets | Cash | Debtors | Creditors <1y | Turnover | Profit | Employees |
|---|---|---|---|---|---|---|---|
| 2025-12-31 | £429k | £381k | £100k | — | — | — | 9 |
| 2024-12-31 | £396k | £325k | £127k | — | — | — | 7 |

size band micro.

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

- Net assets above zero: Net assets £428,646 at 31 December 2025
- Cash at bank of £50,000 or more: Cash £381,145
- Incorporated five or more years ago: Incorporated 10 December 2019

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

## Persons with significant control

- Mr Mike Anthony Smith — owns 25–50% of shares; holds 25–50% of voting rights, since 2019-12-10
- Mr Mangel Robert Singh-Sually — owns 25–50% of shares; holds 25–50% of voting rights, since 2020-01-31

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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/12356654
HTML: https://firmoscan.com/company/12356654-gobear-loans-ltd