top-up mortgage services limited
top-up mortgage services limited Company Information
Company Number
02203000
Next Accounts
Sep 2025
Shareholders
transcom worldwide (uk) ltd
Group Structure
View All
Industry
Activities of collection agencies
Registered Address
limewood house limewood way, seacroft, leeds, LS14 1AB
Website
www.srmortgages.co.uktop-up mortgage services limited Estimated Valuation
Pomanda estimates the enterprise value of TOP-UP MORTGAGE SERVICES LIMITED at £852.1k based on a Turnover of £1.2m and 0.72x industry multiple (adjusted for size and gross margin).
top-up mortgage services limited Estimated Valuation
Pomanda estimates the enterprise value of TOP-UP MORTGAGE SERVICES LIMITED at £0 based on an EBITDA of £-635 and a 3.42x industry multiple (adjusted for size and gross margin).
top-up mortgage services limited Estimated Valuation
Pomanda estimates the enterprise value of TOP-UP MORTGAGE SERVICES LIMITED at £1.1m based on Net Assets of £405.7k and 2.81x industry multiple (adjusted for liquidity).
Edit your figures and get a professional valuation report.
Top-up Mortgage Services Limited Overview
Top-up Mortgage Services Limited is a live company located in leeds, LS14 1AB with a Companies House number of 02203000. It operates in the activities of collection agencies sector, SIC Code 82911. Founded in December 1987, it's largest shareholder is transcom worldwide (uk) ltd with a 100% stake. Top-up Mortgage Services Limited is a mature, small sized company, Pomanda has estimated its turnover at £1.2m with declining growth in recent years.
Upgrade for unlimited company reports & a free credit check
Top-up Mortgage Services Limited Health Check
Pomanda's financial health check has awarded Top-Up Mortgage Services Limited a 3.5 rating. We use a traffic light system to show it exceeds the industry average on 3 measures and has 7 areas for improvement. Company Health Check FAQs
3 Strong
1 Regular
7 Weak
Size
annual sales of £1.2m, make it smaller than the average company (£7.3m)
- Top-up Mortgage Services Limited
£7.3m - Industry AVG
Growth
3 year (CAGR) sales growth of -3%, show it is growing at a slower rate (1.8%)
- Top-up Mortgage Services Limited
1.8% - Industry AVG
Production
with a gross margin of 37.1%, this company has a higher cost of product (68.7%)
- Top-up Mortgage Services Limited
68.7% - Industry AVG
Profitability
an operating margin of 0% make it less profitable than the average company (6.8%)
- Top-up Mortgage Services Limited
6.8% - Industry AVG
Employees
with 8 employees, this is below the industry average (86)
- Top-up Mortgage Services Limited
86 - Industry AVG
Pay Structure
on an average salary of £32.8k, the company has an equivalent pay structure (£32.8k)
- Top-up Mortgage Services Limited
£32.8k - Industry AVG
Efficiency
resulting in sales per employee of £148.3k, this is more efficient (£77.9k)
- Top-up Mortgage Services Limited
£77.9k - Industry AVG
Debtor Days
it gets paid by customers after 124 days, this is later than average (51 days)
- Top-up Mortgage Services Limited
51 days - Industry AVG
Creditor Days
its suppliers are paid after 4 days, this is quicker than average (30 days)
- Top-up Mortgage Services Limited
30 days - Industry AVG
Stock Days
There is insufficient data available for this Key Performance Indicator!
- Top-up Mortgage Services Limited
- - Industry AVG
Cash Balance
has cash to cover current liabilities for 61 weeks, this is more cash available to meet short term requirements (23 weeks)
61 weeks - Top-up Mortgage Services Limited
23 weeks - Industry AVG
Debt Level
it has a ratio of liabilities to total assets of 2.4%, this is a lower level of debt than the average (44.7%)
2.4% - Top-up Mortgage Services Limited
44.7% - Industry AVG
TOP-UP MORTGAGE SERVICES LIMITED financials
Top-Up Mortgage Services Limited's latest turnover from December 2023 is estimated at £1.2 million and the company has net assets of £405.7 thousand. According to their latest financial statements, we estimate that Top-Up Mortgage Services Limited has 8 employees and maintains cash reserves of £12.1 thousand as reported in the balance sheet.
Data source: Companies House, Pomanda Estimates
| Dec 2023 | Dec 2022 | Dec 2021 | Dec 2020 | Dec 2019 | Dec 2018 | Dec 2017 | Dec 2016 | Dec 2015 | Dec 2014 | Dec 2013 | Dec 2012 | Dec 2011 | Dec 2010 | Dec 2009 | |
|---|---|---|---|---|---|---|---|---|---|---|---|---|---|---|---|
| Turnover | 1,573 | 22,925 | 13,219 | 14,055 | 65,818 | 30,583 | |||||||||
| Other Income Or Grants | |||||||||||||||
| Cost Of Sales | |||||||||||||||
| Gross Profit | 1,573 | ||||||||||||||
| Admin Expenses | -40 | 2,928 | |||||||||||||
| Operating Profit | 40 | -1,355 | 6,150 | 1,130 | -8,263 | 54,083 | 25,132 | ||||||||
| Interest Payable | 3 | 469 | 1,360 | 1,821 | |||||||||||
| Interest Receivable | 2 | 17 | 1,170 | ||||||||||||
| Pre-Tax Profit | 40 | -1,358 | 5,681 | 1,130 | -8,261 | 52,740 | 24,481 | ||||||||
| Tax | -795 | 17,371 | |||||||||||||
| Profit After Tax | 40 | -1,358 | 5,681 | 1,130 | -8,261 | 51,945 | 41,852 | ||||||||
| Dividends Paid | |||||||||||||||
| Retained Profit | 40 | -1,358 | 5,681 | 1,130 | -8,261 | 51,945 | 41,852 | ||||||||
| Employee Costs | |||||||||||||||
| Number Of Employees | |||||||||||||||
| EBITDA* | 40 | -1,355 | 6,150 | 1,130 | -8,263 | 54,083 | 25,132 |
* Earnings Before Interest, Tax, Depreciation and Amortisation
| Dec 2023 | Dec 2022 | Dec 2021 | Dec 2020 | Dec 2019 | Dec 2018 | Dec 2017 | Dec 2016 | Dec 2015 | Dec 2014 | Dec 2013 | Dec 2012 | Dec 2011 | Dec 2010 | Dec 2009 | |
|---|---|---|---|---|---|---|---|---|---|---|---|---|---|---|---|
| Tangible Assets | |||||||||||||||
| Intangible Assets | |||||||||||||||
| Investments & Other | |||||||||||||||
| Debtors (Due After 1 year) | 75,677 | 75,677 | 75,667 | 75,677 | 75,677 | 137,463 | 150,621 | 215,583 | 243,648 | 239,822 | |||||
| Total Fixed Assets | 75,677 | 75,677 | 75,667 | 75,677 | 75,677 | 137,463 | 150,621 | 215,583 | 243,648 | 239,822 | |||||
| Stock & work in progress | |||||||||||||||
| Trade Debtors | 403,700 | 403,700 | 403,700 | 403,700 | 328,023 | 403,700 | |||||||||
| Group Debtors | 310,641 | 310,641 | 312,736 | 311,941 | 255,782 | 217,000 | |||||||||
| Misc Debtors | 17,382 | 17,392 | 17,382 | 17,383 | 14,354 | 19,288 | 21,656 | 19,745 | 53,769 | ||||||
| Cash | 12,105 | 12,105 | 12,105 | 12,105 | 12,105 | 12,105 | 12,105 | 12,105 | 12,859 | 7,413 | 58,605 | 195,665 | 156,297 | 124,189 | |
| misc current assets | 12,105 | ||||||||||||||
| total current assets | 415,805 | 415,805 | 415,805 | 415,805 | 340,128 | 415,805 | 340,128 | 340,138 | 342,223 | 342,183 | 277,549 | 294,893 | 217,321 | 176,042 | 177,958 |
| total assets | 415,805 | 415,805 | 415,805 | 415,805 | 415,805 | 415,805 | 415,805 | 415,805 | 417,900 | 417,860 | 415,012 | 445,514 | 432,904 | 419,690 | 417,780 |
| Bank overdraft | |||||||||||||||
| Bank loan | |||||||||||||||
| Trade Creditors | 10,154 | 10,154 | 10,154 | 10,154 | 4,027 | 4,027 | |||||||||
| Group/Directors Accounts | 1,336 | 1,336 | 1,336 | 39,854 | 25,126 | 1,300 | 23,332 | ||||||||
| other short term finances | |||||||||||||||
| hp & lease commitments | |||||||||||||||
| other current liabilities | 10,154 | 10,154 | 10,154 | 10,154 | 10,154 | 10,154 | 5,948 | 3,613 | 2,834 | 5,185 | 37,215 | ||||
| total current liabilities | 10,154 | 10,154 | 10,154 | 10,154 | 10,154 | 10,154 | 10,154 | 10,154 | 11,490 | 11,490 | 7,284 | 43,467 | 31,987 | 10,512 | 60,547 |
| loans | |||||||||||||||
| hp & lease commitments | |||||||||||||||
| Accruals and Deferred Income | |||||||||||||||
| other liabilities | |||||||||||||||
| provisions | |||||||||||||||
| total long term liabilities | |||||||||||||||
| total liabilities | 10,154 | 10,154 | 10,154 | 10,154 | 10,154 | 10,154 | 10,154 | 10,154 | 11,490 | 11,490 | 7,284 | 43,467 | 31,987 | 10,512 | 60,547 |
| net assets | 405,651 | 405,651 | 405,651 | 405,651 | 405,651 | 405,651 | 405,651 | 405,651 | 406,410 | 406,370 | 407,728 | 402,047 | 400,917 | 409,178 | 357,233 |
| total shareholders funds | 405,651 | 405,651 | 405,651 | 405,651 | 405,651 | 405,651 | 405,651 | 405,651 | 406,410 | 406,370 | 407,728 | 402,047 | 400,917 | 409,178 | 357,233 |
| Dec 2023 | Dec 2022 | Dec 2021 | Dec 2020 | Dec 2019 | Dec 2018 | Dec 2017 | Dec 2016 | Dec 2015 | Dec 2014 | Dec 2013 | Dec 2012 | Dec 2011 | Dec 2010 | Dec 2009 | |
|---|---|---|---|---|---|---|---|---|---|---|---|---|---|---|---|
| Operating Activities | |||||||||||||||
| Operating Profit | 40 | -1,355 | 6,150 | 1,130 | -8,263 | 54,083 | 25,132 | ||||||||
| Depreciation | |||||||||||||||
| Amortisation | |||||||||||||||
| Tax | -795 | 17,371 | |||||||||||||
| Stock | |||||||||||||||
| Debtors | -2,095 | 794 | -2,598 | 20,690 | 149,670 | -26,154 | -30,198 | 293,591 | |||||||
| Creditors | 10,154 | -4,027 | 4,027 | ||||||||||||
| Accruals and Deferred Income | -10,154 | 4,206 | 2,335 | 779 | -2,351 | -32,030 | 37,215 | ||||||||
| Deferred Taxes & Provisions | |||||||||||||||
| Cash flow from operations | 2,095 | -754 | 5,449 | -12,205 | -151,788 | 15,540 | 55,483 | -213,873 | |||||||
| Investing Activities | |||||||||||||||
| capital expenditure | |||||||||||||||
| Change in Investments | |||||||||||||||
| cash flow from investments | |||||||||||||||
| Financing Activities | |||||||||||||||
| Bank loans | |||||||||||||||
| Group/Directors Accounts | -1,336 | -38,518 | 14,728 | 23,826 | -22,032 | 23,332 | |||||||||
| Other Short Term Loans | |||||||||||||||
| Long term loans | |||||||||||||||
| Hire Purchase and Lease Commitments | |||||||||||||||
| other long term liabilities | |||||||||||||||
| share issue | |||||||||||||||
| interest | -3 | -469 | 2 | -1,343 | -651 | ||||||||||
| cash flow from financing | -2,095 | -3 | -38,987 | 14,728 | 23,828 | -23,375 | 338,062 | ||||||||
| cash and cash equivalents | |||||||||||||||
| cash | 12,105 | -12,105 | -754 | 5,446 | -51,192 | -137,060 | 39,368 | 32,108 | 124,189 | ||||||
| overdraft | |||||||||||||||
| change in cash | 12,105 | -12,105 | -754 | 5,446 | -51,192 | -137,060 | 39,368 | 32,108 | 124,189 |
top-up mortgage services limited Credit Report and Business Information
Top-up Mortgage Services Limited Competitor Analysis
Perform a competitor analysis for top-up mortgage services limited by selecting its closest rivals, whether from the ADMINISTRATIVE AND SUPPORT SERVICE ACTIVITIES sector, other small companies, companies in LS14 area or any other competitors across 12 key performance metrics.
top-up mortgage services limited Ownership
TOP-UP MORTGAGE SERVICES LIMITED group structure
Top-Up Mortgage Services Limited has no subsidiary companies.
Ultimate parent company
TRANSCOM WORLDWIDE AB
#0115465
2 parents
TOP-UP MORTGAGE SERVICES LIMITED
02203000
top-up mortgage services limited directors
Top-Up Mortgage Services Limited currently has 5 directors. The longest serving directors include Mr Sohit Saundh (Aug 2020) and Mr Rolf Dahlberg (Aug 2020).
| officer | country | age | start | end | role |
|---|---|---|---|---|---|
| Mr Sohit Saundh | 49 years | Aug 2020 | - | Director | |
| Mr Rolf Dahlberg | 51 years | Aug 2020 | - | Director | |
| Mr Ahmed Abdelhady | 35 years | May 2024 | - | Director | |
| Ms Snejana Koleva | 45 years | Sep 2024 | - | Director | |
| Marieke Smidt | England | 47 years | Dec 2024 | - | Director |
P&L
December 2023turnover
1.2m
-11%
operating profit
-635.5
0%
gross margin
37.1%
-10.1%
turnover
Turnover, or revenue, is the amount of sales generated by a company within the financial year.
Balance Sheet
December 2023net assets
405.7k
0%
total assets
415.8k
0%
cash
12.1k
0%
net assets
Total assets minus all liabilities
top-up mortgage services limited company details
company number
02203000
Type
Private limited with Share Capital
industry
82911 - Activities of collection agencies
incorporation date
December 1987
age
38
incorporated
UK
ultimate parent company
accounts
Unaudited Abridged
last accounts submitted
December 2023
previous names
helptry limited (March 1988)
accountant
-
auditor
-
address
limewood house limewood way, seacroft, leeds, LS14 1AB
Bank
NATIONAL WESTMINSTER BANK PLC
Legal Advisor
-
top-up mortgage services limited Charges & Mortgages
A charge, or mortgage, refers to the rights a company gives to a lender in return for a loan, often in the form of security given over business assets.
We found 1 charges/mortgages relating to top-up mortgage services limited. Currently there are 0 open charges and 1 have been satisfied in the past.
top-up mortgage services limited Capital Raised & Share Issues BETA
When a company issues new shares, e.g. to new investors following a funding round, it is required to notify Companies House within one month of making an allotment of shares.
Click to start generating capital raising & share issue transactions for TOP-UP MORTGAGE SERVICES LIMITED. This can take several minutes, an email will notify you when this has completed.
top-up mortgage services limited Companies House Filings - See Documents
| date | description | view/download |
|---|
