the mortgage doctors limited

the mortgage doctors limited Company Information

Share THE MORTGAGE DOCTORS LIMITED
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Company Number

04693525

Industry

Life insurance

 

Activities of mortgage finance companies

 
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Shareholders

martin clements

martin charles rose

Group Structure

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Contact

Registered Address

21c station road cogenhoe, northampton, northamptonshire, NN7 1LT

the mortgage doctors limited Estimated Valuation

£83.5k

Pomanda estimates the enterprise value of THE MORTGAGE DOCTORS LIMITED at £83.5k based on a Turnover of £130k and 0.64x industry multiple (adjusted for size and gross margin).

the mortgage doctors limited Estimated Valuation

£0

Pomanda estimates the enterprise value of THE MORTGAGE DOCTORS LIMITED at £0 based on an EBITDA of £-19.2k and a 5.6x industry multiple (adjusted for size and gross margin).

the mortgage doctors limited Estimated Valuation

£923

Pomanda estimates the enterprise value of THE MORTGAGE DOCTORS LIMITED at £923 based on Net Assets of £419 and 2.2x industry multiple (adjusted for liquidity).

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The Mortgage Doctors Limited Overview

The Mortgage Doctors Limited is a live company located in northamptonshire, NN7 1LT with a Companies House number of 04693525. It operates in the activities of mortgage finance companies sector, SIC Code 64922. Founded in March 2003, it's largest shareholder is martin clements with a 51% stake. The Mortgage Doctors Limited is a mature, micro sized company, Pomanda has estimated its turnover at £130k with healthy growth in recent years.

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The Mortgage Doctors Limited Health Check

Pomanda's financial health check has awarded The Mortgage Doctors Limited a 1 rating. We use a traffic light system to show it exceeds the industry average on 1 measures and has 7 areas for improvement. Company Health Check FAQs

Health Check Image
Health Rating1out of 5
positive_score

1 Strong

positive_score

2 Regular

positive_score

7 Weak

size

Size

annual sales of £130k, make it smaller than the average company (£3.2m)

£130k - The Mortgage Doctors Limited

£3.2m - Industry AVG

growth

Growth

3 year (CAGR) sales growth of 11%, show it is growing at a similar rate (10.2%)

11% - The Mortgage Doctors Limited

10.2% - Industry AVG

production

Production

with a gross margin of 50.4%, this company has a higher cost of product (79.3%)

50.4% - The Mortgage Doctors Limited

79.3% - Industry AVG

profitability

Profitability

an operating margin of -14.8% make it less profitable than the average company (13.5%)

-14.8% - The Mortgage Doctors Limited

13.5% - Industry AVG

employees

Employees

with 2 employees, this is below the industry average (17)

2 - The Mortgage Doctors Limited

17 - Industry AVG

paystructure

Pay Structure

on an average salary of £58.9k, the company has an equivalent pay structure (£58.9k)

£58.9k - The Mortgage Doctors Limited

£58.9k - Industry AVG

efficiency

Efficiency

resulting in sales per employee of £65k, this is less efficient (£174.7k)

£65k - The Mortgage Doctors Limited

£174.7k - Industry AVG

debtordays

Debtor Days

it gets paid by customers after 259 days, this is later than average (151 days)

259 days - The Mortgage Doctors Limited

151 days - Industry AVG

creditordays

Creditor Days

its suppliers are paid after 522 days, this is slower than average (100 days)

522 days - The Mortgage Doctors Limited

100 days - Industry AVG

stockdays

Stock Days

There is insufficient data available for this Key Performance Indicator!

- - The Mortgage Doctors Limited

- - Industry AVG

cashbalance

Cash Balance

There is insufficient data available for this Key Performance Indicator!

- - The Mortgage Doctors Limited

- - Industry AVG

debtlevel

Debt Level

it has a ratio of liabilities to total assets of 99.6%, this is a higher level of debt than the average (87%)

99.6% - The Mortgage Doctors Limited

87% - Industry AVG

THE MORTGAGE DOCTORS LIMITED financials

EXPORTms excel logo

The Mortgage Doctors Limited's latest turnover from March 2024 is estimated at £130 thousand and the company has net assets of £419. According to their latest financial statements, The Mortgage Doctors Limited has 2 employees and maintains cash reserves of 0 as reported in the balance sheet.

Data source: Companies HousePomanda Estimates

Mar 2024Mar 2023Mar 2022Mar 2021Mar 2020Mar 2019Mar 2018Mar 2017Mar 2016Mar 2015Mar 2014Mar 2013Mar 2012Mar 2011Mar 2010
Turnover129,971143,184118,90595,86696,583101,03617,86310,7902,3548867871,6671,1101,1001,156
Other Income Or Grants000000000000000
Cost Of Sales64,51971,80459,79152,08450,85051,9568,3924,4571,062420408874556520678
Gross Profit65,45271,38159,11443,78245,73349,0809,4716,3331,291466378793554580478
Admin Expenses84,65977,57141,79835,96745,67543,84312,1827,0773,513-7,63285267060046448
Operating Profit-19,207-6,19017,3167,815585,237-2,711-744-2,2228,098-474123-4653430
Interest Payable000000000000000
Interest Receivable000000046149935652554925
Pre-Tax Profit-19,207-6,19017,3167,815585,237-2,711-698-2,0738,191-418175958356
Tax00-3,290-1,485-11-995000-1,7200-42-2-163-16
Profit After Tax-19,207-6,19014,0266,330474,242-2,711-698-2,0736,471-418133742040
Dividends Paid000000000000000
Retained Profit-19,207-6,19014,0266,330474,242-2,711-698-2,0736,471-418133742040
Employee Costs117,833109,740108,17199,505103,23899,69949,62949,33146,55045,19045,81044,30040,35638,41342,958
Number Of Employees222222111111111
EBITDA*-19,207-6,19017,3167,815585,237-2,711-744-1,4088,275-2971231411,2641,117

* Earnings Before Interest, Tax, Depreciation and Amortisation

Mar 2024Mar 2023Mar 2022Mar 2021Mar 2020Mar 2019Mar 2018Mar 2017Mar 2016Mar 2015Mar 2014Mar 2013Mar 2012Mar 2011Mar 2010
Tangible Assets2731,4092,3385598191,2641,4591,0371,49517935622189919
Intangible Assets000000000000000
Investments & Other000000000000000
Debtors (Due After 1 year)000000000000000
Total Fixed Assets2731,4092,3385598191,2641,4591,0371,49517935622189919
Stock & work in progress000000000000000
Trade Debtors92,462143,175143,868114,47979,92184,63261,47050,2728,5835,2791,5956,1042,5502,5642,390
Group Debtors000000000000000
Misc Debtors00000000001,305001,4541,421
Cash0000000036,87822,77314,3127,92812,7329,38010,164
misc current assets000000000000000
total current assets92,462143,175143,868114,47979,92184,63261,47050,27245,46128,05217,21214,03215,28213,39813,975
total assets92,735144,584146,206115,03880,74085,89662,92951,30946,95628,23117,56814,03415,28413,58714,894
Bank overdraft000000000000000
Bank loan000000000000000
Trade Creditors 92,316124,958120,390103,24875,28080,48361,75847,42741,97721,44217,28613,33414,71713,02714,754
Group/Directors Accounts000000000000000
other short term finances000000000000000
hp & lease commitments000000000000000
other current liabilities000000000000000
total current liabilities92,316124,958120,390103,24875,28080,48361,75847,42741,97721,44217,28613,33414,71713,02714,754
loans000000000000000
hp & lease commitments000000000000000
Accruals and Deferred Income000000000000000
other liabilities000000000000000
provisions000000002993600000
total long term liabilities000000002993600000
total liabilities92,316124,958120,390103,24875,28080,48361,75847,42742,27621,47817,28613,33414,71713,02714,754
net assets41919,62625,81611,7905,4605,4131,1713,8824,6806,753282700567560140
total shareholders funds41919,62625,81611,7905,4605,4131,1713,8824,6806,753282700567560140
Mar 2024Mar 2023Mar 2022Mar 2021Mar 2020Mar 2019Mar 2018Mar 2017Mar 2016Mar 2015Mar 2014Mar 2013Mar 2012Mar 2011Mar 2010
Operating Activities
Operating Profit-19,207-6,19017,3167,815585,237-2,711-744-2,2228,098-474123-4653430
Depreciation0000000081417717701877301,087
Amortisation000000000000000
Tax00-3,290-1,485-11-995000-1,7200-42-2-163-16
Stock000000000000000
Debtors-50,713-69329,38934,558-4,71123,16211,19841,6893,3042,379-3,2043,554-1,4682073,811
Creditors-32,6424,56817,14227,968-5,20318,72514,3315,45020,5354,1563,952-1,3831,690-1,72714,754
Accruals and Deferred Income000000000000000
Deferred Taxes & Provisions0000000-2992633600000
Cash flow from operations-1,136-9291,779-260-445-195422-37,28216,0868,3686,859-4,8563,297-83312,044
Investing Activities
capital expenditure1,136929-1,779260445195-422458-2,1300-531000-2,006
Change in Investments000000000000000
cash flow from investments1,136929-1,779260445195-422458-2,1300-531000-2,006
Financing Activities
Bank loans000000000000000
Group/Directors Accounts000000000000000
Other Short Term Loans 000000000000000
Long term loans000000000000000
Hire Purchase and Lease Commitments000000000000000
other long term liabilities000000000000000
share issue0000000-100000000100
interest000000046149935652554925
cash flow from financing0000000-541499356525549125
cash and cash equivalents
cash0000000-36,87814,1058,4616,384-4,8043,352-78410,164
overdraft000000000000000
change in cash0000000-36,87814,1058,4616,384-4,8043,352-78410,164

the mortgage doctors limited Credit Report and Business Information

Very Low Risk70 - 100
Low Risk50 - 70
Moderate Risk30 - 50
High Risk20 - 30
Very High Risk0 - 20
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The Mortgage Doctors Limited Competitor Analysis

competitor_analysis_table_img

Perform a competitor analysis for the mortgage doctors limited by selecting its closest rivals, whether from the FINANCIAL AND INSURANCE ACTIVITIES sector, other micro companies, companies in NN7 area or any other competitors across 12 key performance metrics.

the mortgage doctors limited Ownership

THE MORTGAGE DOCTORS LIMITED group structure

The Mortgage Doctors Limited has no subsidiary companies.

Ultimate parent company

THE MORTGAGE DOCTORS LIMITED

04693525

THE MORTGAGE DOCTORS LIMITED Shareholders

martin clements 51%
martin charles rose 49%

the mortgage doctors limited directors

The Mortgage Doctors Limited currently has 2 directors. The longest serving directors include Mr Martin Clements (Mar 2003) and Mr Martin Rose (Sep 2005).

officercountryagestartendrole
Mr Martin ClementsUnited Kingdom62 years Mar 2003- Director
Mr Martin Rose64 years Sep 2005- Director

P&L

March 2024

turnover

130k

-9%

operating profit

-19.2k

0%

gross margin

50.4%

+1.02%

turnover

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

Balance Sheet

March 2024

net assets

419

-0.98%

total assets

92.7k

-0.36%

cash

0

0%

net assets

Total assets minus all liabilities

the mortgage doctors limited company details

company number

04693525

Type

Private limited with Share Capital

industry

65120 - Non-life insurance

65110 - Life insurance

64922 - Activities of mortgage finance companies

incorporation date

March 2003

age

21

incorporated

UK

ultimate parent company

None

accounts

Micro-Entity Accounts

last accounts submitted

March 2024

previous names

N/A

accountant

-

auditor

-

address

21c station road cogenhoe, northampton, northamptonshire, NN7 1LT

Bank

-

Legal Advisor

-

the mortgage doctors 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 did not find charges/mortgages relating to the mortgage doctors limited.

the mortgage doctors 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.

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the mortgage doctors limited Companies House Filings - See Documents

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