Mortgage Brain Holdings Limited

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mortgage brain holdings limited Company Information

Company Number

03887371

Next Accounts

Dec 2025

Directors

John Gibbons

Ian Andrew

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Shareholders

clydesdale bank plc

uberior investments limited

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Group Structure

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Industry

Business and domestic software development

Registered Address

6 the courtyard, buntsford gate, buntsford drive, bromsgrove, worcestershire, B60 3DJ

Website

www.mortgage-brain.co.uk

mortgage brain holdings limited Estimated Valuation

£15m

Pomanda estimates the enterprise value of MORTGAGE BRAIN HOLDINGS LIMITED at £15m based on Net Assets of £6.3m and 2.38x industry multiple (adjusted for liquidity).

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Mortgage Brain Holdings Limited is a live company located in bromsgrove, B60 3DJ with a Companies House number of 03887371. It operates in the business and domestic software development sector, SIC Code 62012. Founded in December 1999, it's largest shareholder is clydesdale bank plc with a 15.5% stake. Mortgage Brain Holdings Limited is a mature, mid sized company, Pomanda has estimated its turnover at £13.1m with healthy growth in recent years.

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Pomanda's financial health check has awarded Mortgage Brain Holdings Limited a 4 rating. We use a traffic light system to show it exceeds the industry average on 4 measures and has 3 areas for improvement. Company Health Check FAQs

Health Rating4out of 5

4 Strong

4 Regular

3 Weak

Size

annual sales of £13.1m, make it larger than the average company (£3.7m)

Growth

3 year (CAGR) sales growth of 7%, show it is growing at a slower rate (10.5%)

EXPORT

Mortgage Brain Holdings Limited's latest turnover from March 2024 is £13.1 million and the company has net assets of £6.3 million. According to their latest financial statements, Mortgage Brain Holdings Limited has 115 employees and maintains cash reserves of £5.4 million as reported in the balance sheet.

Data source: Companies House, Pomanda Estimates

	Mar 2024	Mar 2023	Mar 2022	Mar 2021	Mar 2020	Mar 2019	Mar 2018	Mar 2017	Mar 2016	Mar 2015	Mar 2014	Mar 2013	Mar 2012	Mar 2011	Mar 2010
Turnover	13,099,649	13,178,141	13,385,634	10,777,081	15,064,429	15,245,388	15,090,793	13,875,538	10,015,971	8,431,882	7,811,226	6,787,885	6,353,443	6,133,788	5,906,847
Other Income Or Grants			27,150
Cost Of Sales	3,651,550	3,696,357		2,972,583	1,876,874	1,785,312	1,501,086	1,282,079	382,612	328,415	251,714	270,852	79,706	88,350	92,571
Gross Profit	9,448,099	9,481,784	13,412,784	7,804,498	13,187,555	13,460,076	13,589,707	12,593,459	9,633,359	8,103,467	7,559,512	6,517,033	6,273,737	6,045,438	5,814,276
Admin Expenses	10,577,505	12,015,031	12,817,564	10,043,123	11,606,226	10,779,968	11,754,960	12,510,542	7,998,799	6,709,068	6,728,057	6,671,148	6,080,366	6,569,267	5,538,843
Operating Profit	-1,129,406	-2,533,247	595,220	-2,238,625	1,581,329	2,680,108	1,834,747	82,917	1,634,560	1,394,399	831,455	-154,115	193,371	-523,829	275,433
Interest Payable	210,470	189,969	78,444	78,583	93,253	103,879	135,711	68,538	17,889	12,940	127,256	103,069	205,969	18,986	21,481
Interest Receivable	21,313	1,807	23	193	7,718	12,479	23,973	13,387	22,189	19,909	14,060	9,767	10,989	4,911	3,367
Pre-Tax Profit	-1,318,563	-2,721,409	516,799	-2,317,015	1,495,794	2,588,708	1,723,009	27,766	1,638,860	1,401,368	718,259	-247,417	-1,609	-537,904	257,319
Tax	125,381	1,108,691	821,370	-161,615	-181,992	-256,620	-195,954	120,823	-207,103	-205,851	-8,227	118,189	120,989	95,419	47,913
Profit After Tax	-1,193,182	-1,612,718	1,338,169	-2,478,630	1,313,802	2,332,088	1,527,055	148,589	1,431,757	1,195,517	710,032	-129,228	119,380	-442,485	305,232
Dividends Paid
Retained Profit	-1,193,182	-1,612,718	1,338,169	-2,478,630	1,313,802	2,332,088	1,527,055	148,589	1,431,757	1,195,517	710,032	-129,228	119,380	-442,485	305,232
Employee Costs	9,290,961	9,527,870	8,808,768	8,675,927	9,109,702	8,623,888	9,257,880	10,216,324	6,727,576	5,650,105	5,622,774	5,082,227	4,952,555	4,775,407	4,311,581
Number Of Employees	115	121	119	134	133	123	121	111	97	91	86	89	87	89	88
EBITDA*	-629,309	-1,996,992	1,042,913	-1,428,317	2,394,916	3,399,322	2,486,715	874,656	1,983,071	1,728,942	1,147,883	182,704	296,036	-411,064	480,580

* Earnings Before Interest, Tax, Depreciation and Amortisation

	Mar 2024	Mar 2023	Mar 2022	Mar 2021	Mar 2020	Mar 2019	Mar 2018	Mar 2017	Mar 2016	Mar 2015	Mar 2014	Mar 2013	Mar 2012	Mar 2011	Mar 2010
Tangible Assets	4,119,601	4,171,909	4,238,368	4,258,957	4,322,474	4,419,456	4,390,858	3,556,028	2,245,843	1,897,537	1,832,693	1,793,800	1,802,583	1,805,502	1,806,079
Intangible Assets	1,474,298	1,960,128	2,362,063	2,015,590	4,300,884	4,660,541	4,365,509	4,899,816	282,867	565,735	836,186	1,106,637	1,448,998	56,759	126,720
Investments & Other										45
Debtors (Due After 1 year)
Total Fixed Assets	5,593,899	6,132,037	6,600,431	6,274,547	8,623,358	9,079,997	8,756,367	8,455,844	2,528,710	2,463,317	2,668,879	2,900,437	3,251,581	1,862,261	1,932,799
Stock & work in progress					58,074	128,134	98,011	152,944
Trade Debtors	1,076,388	1,753,785	2,289,631	1,390,113	2,784,430	1,468,423	2,141,764	1,847,655	485,957	391,231	826,131	756,101	454,209	315,528	250,087
Group Debtors
Misc Debtors	1,905,575	2,147,481	1,776,451	648,445	579,718	906,803	982,189	1,048,719	422,330	547,125	692,786	524,978	427,298	323,965	219,092
Cash	5,426,655	4,637,458	6,801,590	7,978,647	6,548,957	6,577,810	6,225,033	4,652,707	6,632,920	5,259,123	4,435,671	2,843,429	2,125,670	2,883,555	2,808,454
misc current assets
total current assets	8,408,618	8,538,724	10,867,672	10,017,205	9,971,179	9,081,170	9,446,997	7,702,025	7,541,207	6,197,479	5,954,588	4,124,508	3,007,177	3,523,048	3,277,633
total assets	14,002,517	14,670,761	17,468,103	16,291,752	18,594,537	18,161,167	18,203,364	16,157,869	10,069,917	8,660,796	8,623,467	7,024,945	6,258,758	5,385,309	5,210,432
Bank overdraft				465,877	161,022	156,247	195,691	206,424	202,019
Bank loan	764,286	768,992	767,727							167,477	164,165	160,872	157,695	162,964	154,049
Trade Creditors	256,184	381,848	601,648	424,624	271,960	371,503	140,196	213,888	112,251	65,305	33,488	69,044	84,798	123,090	65,561
Group/Directors Accounts
other short term finances	362,855	354,577	293,610		496,960
hp & lease commitments
other current liabilities	4,517,218	4,224,890	4,327,323	4,771,232	5,285,850	5,277,175	7,149,025	6,586,681	5,128,197	5,485,503	5,429,279	3,543,815	3,261,657	2,803,055	2,467,810
total current liabilities	5,900,543	5,730,307	5,990,308	5,661,733	6,215,792	5,804,925	7,484,912	7,006,993	5,442,467	5,718,285	5,626,932	3,773,731	3,504,150	3,089,109	2,687,420
loans	1,343,931	2,299,999	3,159,307	3,548,653	1,013,143	1,176,069	1,331,146	307,732	514,476	389,223	556,662	720,731	881,636	1,035,844	1,205,285
hp & lease commitments
Accruals and Deferred Income						484,839	473,017	1,237,218
other liabilities						654,365	1,674,163	1,936,060	287,322	159,393	1,140,009	1,835,403	1,005,398	688,287	271,971
provisions	434,834	505,538	611,763	712,810	2,518,416	2,207,585	1,738,830	1,695,625			101,486	206,734	250,000	73,875	105,077
total long term liabilities	1,778,765	2,805,537	3,771,070	4,261,463	3,531,559	4,522,858	5,217,156	5,176,635	801,798	548,616	1,798,157	2,762,868	2,137,034	1,798,006	1,582,333
total liabilities	7,679,308	8,535,844	9,761,378	9,923,196	9,747,351	10,327,783	12,702,068	12,183,628	6,244,265	6,266,901	7,425,089	6,536,599	5,641,184	4,887,115	4,269,753
net assets	6,323,209	6,134,917	7,706,725	6,368,556	8,847,186	7,833,384	5,501,296	3,974,241	3,825,652	2,393,895	1,198,378	488,346	617,574	498,194	940,679
total shareholders funds	6,323,209	6,134,917	7,706,725	6,368,556	8,847,186	7,833,384	5,501,296	3,974,241	3,825,652	2,393,895	1,198,378	488,346	617,574	498,194	940,679

	Mar 2024	Mar 2023	Mar 2022	Mar 2021	Mar 2020	Mar 2019	Mar 2018	Mar 2017	Mar 2016	Mar 2015	Mar 2014	Mar 2013	Mar 2012	Mar 2011	Mar 2010
Operating Activities
Operating Profit	-1,129,406	-2,533,247	595,220	-2,238,625	1,581,329	2,680,108	1,834,747	82,917	1,634,560	1,394,399	831,455	-154,115	193,371	-523,829	275,433
Depreciation	102,189	122,641	112,876	140,894	175,147	182,023	117,661	105,994	65,643	64,092	45,977	44,458	47,277	62,606	65,806
Amortisation	397,908	413,614	334,817	669,414	638,440	537,191	534,307	685,745	282,868	270,451	270,451	292,361	55,388	50,159	139,341
Tax	125,381	1,108,691	821,370	-161,615	-181,992	-256,620	-195,954	120,823	-207,103	-205,851	-8,227	118,189	120,989	95,419	47,913
Stock				-58,074	-70,060	30,123	-54,933	152,944
Debtors	-919,303	-164,816	2,027,524	-1,325,590	988,922	-748,727	227,579	1,988,087	-30,069	-580,561	237,838	399,572	242,014	170,314	469,179
Creditors	-125,664	-219,800	177,024	152,664	-99,543	231,307	-73,692	101,637	46,946	31,817	-35,556	-15,754	-38,292	57,529	65,561
Accruals and Deferred Income	292,328	-102,433	-443,909	-514,618	-476,164	-1,860,028	-201,857	2,695,702	-357,306	56,224	1,885,464	282,158	458,602	335,245	2,467,810
Deferred Taxes & Provisions	-70,704	-106,225	-101,047	-1,805,606	310,831	468,755	43,205	1,695,625		-101,486	-105,248	-43,266	176,125	-31,202	105,077
Cash flow from operations	511,335	-1,151,943	-531,173	-2,373,828	1,029,186	2,701,340	1,885,771	3,347,412	1,495,677	2,090,207	2,646,478	124,459	771,446	-124,387	2,697,762
Investing Activities
capital expenditure						-203,789	-952,491	-1,389,917	-423,667	-119,263	-84,870	-235,675	-1,219,990	-73,429	-87,306
Change in Investments									-45	45
cash flow from investments						-203,789	-952,491	-1,389,917	-423,622	-119,308	-84,870	-235,675	-1,219,990	-73,429	-87,306
Financing Activities
Bank loans	-4,706	1,265	767,727						-167,477	3,312	3,293	3,177	-5,269	8,915	154,049
Group/Directors Accounts
Other Short Term Loans	8,278	60,967	293,610	-496,960	496,960
Long term loans	-956,068	-859,308	-389,346	2,535,510	-162,926	-155,077	1,023,414	-206,744	125,253	-167,439	-164,069	-160,905	-154,208	-169,441	1,205,285
Hire Purchase and Lease Commitments
other long term liabilities					-654,365	-1,019,798	-261,897	1,648,738	127,929	-980,616	-695,394	830,005	317,111	416,316	271,971
share issue	1,381,474	40,910			-300,000										635,447
interest	-189,157	-188,162	-78,421	-78,390	-85,535	-91,400	-111,738	-55,151	4,300	6,969	-113,196	-93,302	-194,980	-14,075	-18,114
cash flow from financing	239,821	-944,328	593,570	1,960,160	-705,866	-1,266,275	649,779	1,386,843	90,005	-1,137,774	-969,366	578,975	-37,346	241,715	2,248,638
cash and cash equivalents
cash	789,197	-2,164,132	-1,177,057	1,429,690	-28,853	352,777	1,572,326	-1,980,213	1,373,797	823,452	1,592,242	717,759	-757,885	75,101	2,808,454
overdraft			-465,877	304,855	4,775	-39,444	-10,733	4,405	202,019
change in cash	789,197	-2,164,132	-711,180	1,124,835	-33,628	392,221	1,583,059	-1,984,618	1,171,778	823,452	1,592,242	717,759	-757,885	75,101	2,808,454

Very Low Risk70 - 100

Low Risk50 - 70

Moderate Risk30 - 50

High Risk20 - 30

Very High Risk0 - 20

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MORTGAGE BRAIN HOLDINGS LIMITED group structure

Mortgage Brain Holdings Limited has 6 subsidiary companies.

Ultimate parent company

MORTGAGE BRAIN HOLDINGS LIMITED

03887371

6 subsidiaries

MORTGAGE ENGINE LIMITED

11061594

CRITERIA HUB LTD

09794465

PREMIER PROCESSING SERVICES LIMITED

03886835

MBL FINANCIAL SERVICES LIMITED

03886832

AE3 MEDIA LTD.

08938488

MORTGAGE BRAIN LIMITED

02085187

MORTGAGE BRAIN HOLDINGS LIMITED Shareholders

clydesdale bank plc	15.5%
uberior investments limited	15.5%
barclays uk investments limited	15.5%
santander equity investments limited	15.5%
nationwide building society	15.5%
rbs aa holdings (uk) limited	15.5%
fintel iq limited	5.82%
jtc employer solutions trustee limited	1.2%

Mortgage Brain Holdings Limited currently has 12 directors. The longest serving directors include Mr John Gibbons (Mar 2014) and Mr Ian Andrew (Apr 2014).

officer	country	age	start	end	role
Mr John Gibbons	England	54 years	Mar 2014	-	Director
Mr Ian Andrew	England	60 years	Apr 2014	-	Director
Mr Peter Hill	United Kingdom	63 years	May 2019	-	Director
Mr Nicholas Walford	Scotland	50 years	Jul 2019	-	Director
Mr Iain Cartlidge		50 years	Jul 2019	-	Director
Mr Neil Wyatt	England	51 years	Oct 2019	-	Director
Mr Mark Daly	United Kingdom	40 years	Dec 2019	-	Director
Mr Zahid Bilgrami		54 years	Apr 2021	-	Director
Mr Alastair Brown	United Kingdom	50 years	Feb 2022	-	Director
Ms Cloe Atkinson		46 years	May 2022	-	Director

P&L

March 2024

turnover

13.1m

-1%

operating profit

-1.1m

-55%

gross margin

72.2%

+0.24%

turnover

Turnover, or revenue, is the amount of sales generated by a company within the financial year.

Balance Sheet

March 2024

net assets

6.3m

+0.03%

total assets

14m

-0.05%

cash

5.4m

+0.17%

net assets

Total assets minus all liabilities

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company number

03887371

Type

Private limited with Share Capital

industry

62012 - Business and domestic software development

incorporation date

December 1999

ultimate parent company

None

previous names

mbl holdings limited (November 2012)

address

6 the courtyard, buntsford gate, buntsford drive, bromsgrove, worcestershire, B60 3DJ

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 2 charges/mortgages relating to mortgage brain holdings limited. Currently there are 1 open charges and 1 have been satisfied in the past.

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mortgage brain holdings limited Company Information

mortgage brain holdings limited Estimated Valuation

mortgage brain holdings limited Estimated Valuation

mortgage brain holdings limited Estimated Valuation

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