# VIRTUOUS MORTGAGES LTD (12687834)

> VIRTUOUS MORTGAGES LTD is an active private limited company (company number 12687834) incorporated on 22 June 2020, registered in London. Its registered activity is activities of mortgage finance companies (SIC 64922). Latest abridged accounts cover the period ending 30 June 2025, showing net assets of £50 and cash of £56, with 1 employee on average. As abridged accounts, no profit and loss account is filed, so turnover and profit are not public. Net assets fell 100% on the prior period (£14k).

- Status: Active
- Incorporated: 2020-06-22
- Registered office: London, EC2A 4NE
- SIC 64922: Activities of mortgage finance companies
- Next accounts due: 2027-03-30
- Confirmation statement due: 2027-07-06
- Accounts type: UNAUDITED ABRIDGED

By net assets it sits in the lower half of 416 comparable companies in London (median £6,096, upper quartile £43k).

## Accounts (as filed)

| Period end | Net assets | Cash | Debtors | Creditors <1y | Turnover | Profit | Employees |
|---|---|---|---|---|---|---|---|
| 2025-06-30 | £50 | £56 | £2,035 | — | — | — | 1 |
| 2024-06-30 | £14k | £15k | £0 | — | — | — | 1 |

size band micro.

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

- Net assets above zero: Net assets £50 at 30 June 2025
- Net assets down 25% or more on the prior period: -99.6% vs prior period
- Incorporated five or more years ago: Incorporated 22 June 2020

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

## Persons with significant control

- Ms Aarti Bharakhada — owns 75–100% of shares; holds 75–100% of voting rights; can appoint or remove directors, since 2020-06-22

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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/12687834
HTML: https://firmoscan.com/company/12687834-virtuous-mortgages-ltd