m s loans ltd
m s loans ltd Company Information
Company Number
04605781
Next Accounts
Sep 2025
Shareholders
mohin kassam
mohamed kassam
Group Structure
View All
Industry
Activities of insurance agents and brokers
Registered Address
10 empire parade, empire way, wembley, middlesex, HA9 0RQ
Website
www.towerloan.comm s loans ltd Estimated Valuation
Pomanda estimates the enterprise value of M S LOANS LTD at £46.3k based on a Turnover of £58.5k and 0.79x industry multiple (adjusted for size and gross margin).
m s loans ltd Estimated Valuation
Pomanda estimates the enterprise value of M S LOANS LTD at £0 based on an EBITDA of £-5.2k and a 4.81x industry multiple (adjusted for size and gross margin).
m s loans ltd Estimated Valuation
Pomanda estimates the enterprise value of M S LOANS LTD at £0 based on Net Assets of £-17.2k and 1.9x industry multiple (adjusted for liquidity).
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M S Loans Ltd Overview
M S Loans Ltd is a live company located in wembley, HA9 0RQ with a Companies House number of 04605781. It operates in the activities of insurance agents and brokers sector, SIC Code 66220. Founded in December 2002, it's largest shareholder is mohin kassam with a 50% stake. M S Loans Ltd is a mature, micro sized company, Pomanda has estimated its turnover at £58.5k with declining growth in recent years.
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M S Loans Ltd Health Check
Pomanda's financial health check has awarded M S Loans Ltd a 1 rating. We use a traffic light system to show it exceeds the industry average on 1 measures and has 8 areas for improvement. Company Health Check FAQs
1 Strong
1 Regular
8 Weak
Size
annual sales of £58.5k, make it smaller than the average company (£2.9m)
- M S Loans Ltd
£2.9m - Industry AVG
Growth
3 year (CAGR) sales growth of -18%, show it is growing at a slower rate (6.7%)
- M S Loans Ltd
6.7% - Industry AVG
Production
with a gross margin of 60.6%, this company has a higher cost of product (94.6%)
- M S Loans Ltd
94.6% - Industry AVG
Profitability
an operating margin of -9% make it less profitable than the average company (19.6%)
- M S Loans Ltd
19.6% - Industry AVG
Employees
with 1 employees, this is below the industry average (18)
1 - M S Loans Ltd
18 - Industry AVG
Pay Structure
on an average salary of £52.4k, the company has an equivalent pay structure (£52.4k)
- M S Loans Ltd
£52.4k - Industry AVG
Efficiency
resulting in sales per employee of £58.5k, this is less efficient (£126.5k)
- M S Loans Ltd
£126.5k - Industry AVG
Debtor Days
it gets paid by customers after 106 days, this is later than average (73 days)
- M S Loans Ltd
73 days - Industry AVG
Creditor Days
its suppliers are paid after 237 days, this is slower than average (150 days)
- M S Loans Ltd
150 days - Industry AVG
Stock Days
There is insufficient data available for this Key Performance Indicator!
- M S Loans Ltd
- - Industry AVG
Cash Balance
There is insufficient data available for this Key Performance Indicator!
- - M S Loans Ltd
- - Industry AVG
Debt Level
it has a ratio of liabilities to total assets of 201.1%, this is a higher level of debt than the average (58%)
201.1% - M S Loans Ltd
58% - Industry AVG
M S LOANS LTD financials
M S Loans Ltd's latest turnover from December 2023 is estimated at £58.5 thousand and the company has net assets of -£17.2 thousand. According to their latest financial statements, M S Loans Ltd has 1 employee and maintains cash reserves of 0 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 | |||||||||||||||
| Other Income Or Grants | |||||||||||||||
| Cost Of Sales | |||||||||||||||
| Gross Profit | |||||||||||||||
| Admin Expenses | |||||||||||||||
| Operating Profit | |||||||||||||||
| Interest Payable | |||||||||||||||
| Interest Receivable | |||||||||||||||
| Pre-Tax Profit | |||||||||||||||
| Tax | |||||||||||||||
| Profit After Tax | |||||||||||||||
| Dividends Paid | |||||||||||||||
| Retained Profit | |||||||||||||||
| Employee Costs | |||||||||||||||
| Number Of Employees | 1 | 1 | 1 | 1 | 3 | ||||||||||
| EBITDA* |
* 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 | 0 | 0 | 0 | 0 | 0 | 161 | 214 | 285 | 380 | 507 | 676 | 626 | 836 | 1,115 | 1,486 |
| Intangible Assets | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 2,900 | 5,800 | 8,700 | 11,600 | 14,500 | 14,500 | 14,500 |
| Investments & Other | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 |
| Debtors (Due After 1 year) | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 |
| Total Fixed Assets | 0 | 0 | 0 | 0 | 0 | 161 | 214 | 285 | 3,280 | 6,307 | 9,376 | 12,226 | 15,336 | 15,615 | 15,986 |
| Stock & work in progress | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 |
| Trade Debtors | 17,009 | 23,397 | 62,435 | 84,076 | 55,710 | 129,167 | 68,281 | 0 | 8,837 | 6,130 | 5,835 | 0 | 0 | 0 | 0 |
| Group Debtors | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 |
| Misc Debtors | 0 | 0 | 0 | 12,322 | 19,997 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 2,706 | 172 | 0 |
| Cash | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 72,375 | 35,058 | 17,817 | 30,456 | 16,781 | 51,227 | 42,394 | 37,230 |
| misc current assets | 0 | 0 | 0 | 0 | 23,062 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 |
| total current assets | 17,009 | 23,397 | 62,435 | 96,398 | 98,769 | 129,167 | 68,281 | 72,375 | 43,895 | 23,947 | 36,291 | 16,781 | 53,933 | 42,566 | 37,230 |
| total assets | 17,009 | 23,397 | 62,435 | 96,398 | 98,769 | 129,328 | 68,495 | 72,660 | 47,175 | 30,254 | 45,667 | 29,007 | 69,269 | 58,181 | 53,216 |
| Bank overdraft | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 |
| Bank loan | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 |
| Trade Creditors | 15,006 | 13,047 | 9,269 | 6,586 | 0 | 73,932 | 25,592 | 36,592 | 9,808 | 3,936 | 18,524 | 0 | 0 | 0 | 50,721 |
| Group/Directors Accounts | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 9,113 | 20,856 | 0 | 0 |
| other short term finances | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 |
| hp & lease commitments | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 |
| other current liabilities | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 6,472 | 33,782 | 45,116 | 0 |
| total current liabilities | 15,006 | 13,047 | 9,269 | 6,586 | 0 | 73,932 | 25,592 | 36,592 | 9,808 | 3,936 | 18,524 | 15,585 | 54,638 | 45,116 | 50,721 |
| loans | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 |
| hp & lease commitments | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 |
| Accruals and Deferred Income | 5,332 | 5,332 | 3,892 | 2,952 | 3,032 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 |
| other liabilities | 13,874 | 16,978 | 20,083 | 25,000 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 |
| provisions | 0 | 0 | 28,627 | 57,255 | 57,255 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 |
| total long term liabilities | 19,206 | 22,310 | 52,602 | 85,207 | 60,287 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 |
| total liabilities | 34,212 | 35,357 | 61,871 | 91,793 | 60,287 | 73,932 | 25,592 | 36,592 | 9,808 | 3,936 | 18,524 | 15,585 | 54,638 | 45,116 | 50,721 |
| net assets | -17,203 | -11,960 | 564 | 4,605 | 38,482 | 55,396 | 42,903 | 36,068 | 37,367 | 26,318 | 27,143 | 13,422 | 14,631 | 13,065 | 2,495 |
| total shareholders funds | -17,203 | -11,960 | 564 | 4,605 | 38,482 | 55,396 | 42,903 | 36,068 | 37,367 | 26,318 | 27,143 | 13,422 | 14,631 | 13,065 | 2,495 |
| 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 | |||||||||||||||
| Depreciation | 0 | 0 | 0 | 0 | 0 | 95 | 127 | 169 | 225 | 209 | 279 | 372 | 495 | ||
| Amortisation | 0 | 0 | 0 | 0 | 0 | 2,900 | 2,900 | 2,900 | 2,900 | 2,900 | 0 | 0 | 0 | ||
| Tax | |||||||||||||||
| Stock | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 |
| Debtors | -6,388 | -39,038 | -33,963 | 20,691 | -53,460 | 60,886 | 68,281 | -8,837 | 2,707 | 295 | 5,835 | -2,706 | 2,534 | 172 | 0 |
| Creditors | 1,959 | 3,778 | 2,683 | 6,586 | -73,932 | 48,340 | -11,000 | 26,784 | 5,872 | -14,588 | 18,524 | 0 | 0 | -50,721 | 50,721 |
| Accruals and Deferred Income | 0 | 1,440 | 940 | -80 | 3,032 | 0 | 0 | 0 | 0 | 0 | -6,472 | -27,310 | -11,334 | 45,116 | 0 |
| Deferred Taxes & Provisions | 0 | -28,627 | -28,628 | 0 | 57,255 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 |
| Cash flow from operations | |||||||||||||||
| Investing Activities | |||||||||||||||
| capital expenditure | |||||||||||||||
| Change in Investments | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 |
| cash flow from investments | |||||||||||||||
| Financing Activities | |||||||||||||||
| Bank loans | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 |
| Group/Directors Accounts | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | -9,113 | -11,743 | 20,856 | 0 | 0 |
| Other Short Term Loans | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 |
| Long term loans | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 |
| Hire Purchase and Lease Commitments | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 |
| other long term liabilities | -3,104 | -3,105 | -4,917 | 25,000 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 |
| share issue | |||||||||||||||
| interest | |||||||||||||||
| cash flow from financing | |||||||||||||||
| cash and cash equivalents | |||||||||||||||
| cash | 0 | 0 | 0 | 0 | 0 | 0 | -72,375 | 37,317 | 17,241 | -12,639 | 13,675 | -34,446 | 8,833 | 5,164 | 37,230 |
| overdraft | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 |
| change in cash | 0 | 0 | 0 | 0 | 0 | 0 | -72,375 | 37,317 | 17,241 | -12,639 | 13,675 | -34,446 | 8,833 | 5,164 | 37,230 |
m s loans ltd Credit Report and Business Information
M S Loans Ltd Competitor Analysis
Perform a competitor analysis for m s loans ltd by selecting its closest rivals, whether from the FINANCIAL AND INSURANCE ACTIVITIES sector, other micro companies, companies in HA9 area or any other competitors across 12 key performance metrics.
m s loans ltd Ownership
M S LOANS LTD group structure
M S Loans Ltd has no subsidiary companies.
Ultimate parent company
M S LOANS LTD
04605781
m s loans ltd directors
M S Loans Ltd currently has 2 directors. The longest serving directors include Mr Mohamed Kassam (Dec 2002) and Mohin Kassam (Feb 2011).
| officer | country | age | start | end | role |
|---|---|---|---|---|---|
| Mr Mohamed Kassam | 85 years | Dec 2002 | - | Director | |
| Mohin Kassam | 38 years | Feb 2011 | - | Director |
P&L
December 2023turnover
58.5k
-2%
operating profit
-5.2k
0%
gross margin
60.7%
-1.82%
turnover
Turnover, or revenue, is the amount of sales generated by a company within the financial year.
Balance Sheet
December 2023net assets
-17.2k
+0.44%
total assets
17k
-0.27%
cash
0
0%
net assets
Total assets minus all liabilities
m s loans ltd company details
company number
04605781
Type
Private limited with Share Capital
industry
66220 - Activities of insurance agents and brokers
incorporation date
December 2002
age
23
incorporated
UK
ultimate parent company
accounts
Micro-Entity Accounts
last accounts submitted
December 2023
previous names
m & s loans limited (October 2010)
harefield enterprises limited (April 2004)
accountant
-
auditor
-
address
10 empire parade, empire way, wembley, middlesex, HA9 0RQ
Bank
-
Legal Advisor
-
m s loans ltd 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 did not find charges/mortgages relating to m s loans ltd.
m s loans ltd 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.
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m s loans ltd Companies House Filings - See Documents
| date | description | view/download |
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