brilliant mortgages limited
brilliant mortgages limited Company Information
Company Number
06140621
Next Accounts
Dec 2025
Industry
Other financial service activities, except insurance and pension funding, (not including security dealing on own account and factoring) n.e.c.
Directors
Shareholders
matthew vincenzo arena
Group Structure
View All
Contact
Registered Address
3 murray street, llanelli, SA15 1AQ
Website
www.brilliantmoney.co.ukbrilliant mortgages limited Estimated Valuation
Pomanda estimates the enterprise value of BRILLIANT MORTGAGES LIMITED at £997.8k based on a Turnover of £724.4k and 1.38x industry multiple (adjusted for size and gross margin).
brilliant mortgages limited Estimated Valuation
Pomanda estimates the enterprise value of BRILLIANT MORTGAGES LIMITED at £39.9k based on an EBITDA of £8.2k and a 4.85x industry multiple (adjusted for size and gross margin).
brilliant mortgages limited Estimated Valuation
Pomanda estimates the enterprise value of BRILLIANT MORTGAGES LIMITED at £65.5k based on Net Assets of £50.9k and 1.29x industry multiple (adjusted for liquidity).
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Brilliant Mortgages Limited Overview
Brilliant Mortgages Limited is a live company located in llanelli, SA15 1AQ with a Companies House number of 06140621. It operates in the financial intermediation not elsewhere classified sector, SIC Code 64999. Founded in March 2007, it's largest shareholder is matthew vincenzo arena with a 100% stake. Brilliant Mortgages Limited is a established, small sized company, Pomanda has estimated its turnover at £724.4k with high growth in recent years.
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Brilliant Mortgages Limited Health Check
Pomanda's financial health check has awarded Brilliant Mortgages Limited a 4 rating. We use a traffic light system to show it exceeds the industry average on 4 measures and has 4 areas for improvement. Company Health Check FAQs
4 Strong
2 Regular
4 Weak
Size
annual sales of £724.4k, make it smaller than the average company (£5.2m)
- Brilliant Mortgages Limited
£5.2m - Industry AVG
Growth
3 year (CAGR) sales growth of 19%, show it is growing at a faster rate (6.6%)
- Brilliant Mortgages Limited
6.6% - Industry AVG
Production
with a gross margin of 56.2%, this company has a comparable cost of product (56.2%)
- Brilliant Mortgages Limited
56.2% - Industry AVG
Profitability
an operating margin of 1.1% make it less profitable than the average company (9.3%)
- Brilliant Mortgages Limited
9.3% - Industry AVG
Employees
with 5 employees, this is below the industry average (12)
5 - Brilliant Mortgages Limited
12 - Industry AVG
Pay Structure
on an average salary of £80k, the company has an equivalent pay structure (£80k)
- Brilliant Mortgages Limited
£80k - Industry AVG
Efficiency
resulting in sales per employee of £144.9k, this is less efficient (£218.9k)
- Brilliant Mortgages Limited
£218.9k - Industry AVG
Debtor Days
it gets paid by customers after 12 days, this is earlier than average (32 days)
- Brilliant Mortgages Limited
32 days - Industry AVG
Creditor Days
There is insufficient data available for this Key Performance Indicator!
- Brilliant Mortgages Limited
- - Industry AVG
Stock Days
There is insufficient data available for this Key Performance Indicator!
- Brilliant Mortgages Limited
- - Industry AVG
Cash Balance
has cash to cover current liabilities for 203 weeks, this is more cash available to meet short term requirements (30 weeks)
203 weeks - Brilliant Mortgages Limited
30 weeks - Industry AVG
Debt Level
it has a ratio of liabilities to total assets of 14.7%, this is a lower level of debt than the average (67.7%)
14.7% - Brilliant Mortgages Limited
67.7% - Industry AVG
BRILLIANT MORTGAGES LIMITED financials
Brilliant Mortgages Limited's latest turnover from March 2024 is estimated at £724.4 thousand and the company has net assets of £50.9 thousand. According to their latest financial statements, Brilliant Mortgages Limited has 5 employees and maintains cash reserves of £34.4 thousand 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 | |||||||||||||||
| 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 | 5 | 4 | 2 | 4 | 4 | 4 | 8 | 8 | |||||||
| EBITDA* |
* 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 | 643 | 858 | 1,144 | 1,525 | 2,048 | 127 | 169 | 226 | 301 | 599 | 897 | 0 | 0 | 0 | 0 |
| Intangible Assets | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 |
| 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 | 79 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 |
| Total Fixed Assets | 643 | 858 | 1,144 | 1,525 | 2,048 | 127 | 248 | 226 | 301 | 599 | 897 | 0 | 0 | 0 | 0 |
| Stock & work in progress | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 |
| Trade Debtors | 24,591 | 16,451 | 7,573 | 4,573 | 2,129 | 2,931 | 15,700 | 1,500 | 2,459 | 16,983 | 17,741 | 2,000 | 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 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 |
| Cash | 34,411 | 36,997 | 21,137 | 34,681 | 13,290 | 29,491 | 6,538 | 34,640 | 33,732 | 14,365 | 9,998 | 5,749 | 0 | 0 | 0 |
| misc current assets | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 |
| total current assets | 59,002 | 53,448 | 28,710 | 39,254 | 15,419 | 32,422 | 22,238 | 36,140 | 36,191 | 31,348 | 27,739 | 7,749 | 0 | 0 | 0 |
| total assets | 59,645 | 54,306 | 29,854 | 40,779 | 17,467 | 32,549 | 22,486 | 36,366 | 36,492 | 31,947 | 28,636 | 7,749 | 0 | 0 | 0 |
| 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 | 0 | 4,585 | 0 | 0 | 0 | 0 | 0 | 0 | 1,476 | 3,021 | 3,287 | 2,115 | 0 | 0 | 0 |
| Group/Directors Accounts | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 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 | 8,778 | 6,264 | 282 | 3,251 | 103 | 4,004 | 4,756 | 4,682 | 4,289 | 0 | 0 | 0 | 0 | 0 | 0 |
| total current liabilities | 8,778 | 10,849 | 282 | 3,251 | 103 | 4,004 | 4,756 | 4,682 | 5,765 | 3,021 | 3,287 | 2,115 | 0 | 0 | 0 |
| 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 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 2,220 | 0 | 0 | 0 | 0 | 0 |
| other liabilities | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 14,366 | 0 | 0 | 0 | 0 |
| provisions | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 |
| total long term liabilities | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 2,220 | 14,366 | 0 | 0 | 0 | 0 |
| total liabilities | 8,778 | 10,849 | 282 | 3,251 | 103 | 4,004 | 4,756 | 4,682 | 5,765 | 5,241 | 17,653 | 2,115 | 0 | 0 | 0 |
| net assets | 50,867 | 43,457 | 29,572 | 37,528 | 17,364 | 28,545 | 17,730 | 31,684 | 30,727 | 26,706 | 10,983 | 5,634 | 0 | 0 | 0 |
| total shareholders funds | 50,867 | 43,457 | 29,572 | 37,528 | 17,364 | 28,545 | 17,730 | 31,684 | 30,727 | 26,706 | 10,983 | 5,634 | 0 | 0 | 0 |
| 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 | |||||||||||||||
| Depreciation | 215 | 286 | 381 | 523 | 683 | 42 | 57 | 75 | 298 | 298 | 298 | 0 | |||
| Amortisation | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | |||
| Tax | |||||||||||||||
| Stock | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 |
| Debtors | 8,140 | 8,878 | 3,000 | 2,444 | -802 | -12,848 | 14,279 | -959 | -14,524 | -758 | 15,741 | 2,000 | 0 | 0 | 0 |
| Creditors | -4,585 | 4,585 | 0 | 0 | 0 | 0 | 0 | -1,476 | -1,545 | -266 | 1,172 | 2,115 | 0 | 0 | 0 |
| Accruals and Deferred Income | 2,514 | 5,982 | -2,969 | 3,148 | -3,901 | -752 | 74 | 393 | 2,069 | 2,220 | 0 | 0 | 0 | 0 | 0 |
| Deferred Taxes & Provisions | 0 | 0 | 0 | 0 | 0 | 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 | 0 | 0 | 0 | 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 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | -14,366 | 14,366 | 0 | 0 | 0 | 0 |
| share issue | |||||||||||||||
| interest | |||||||||||||||
| cash flow from financing | |||||||||||||||
| cash and cash equivalents | |||||||||||||||
| cash | -2,586 | 15,860 | -13,544 | 21,391 | -16,201 | 22,953 | -28,102 | 908 | 19,367 | 4,367 | 4,249 | 5,749 | 0 | 0 | 0 |
| overdraft | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 |
| change in cash | -2,586 | 15,860 | -13,544 | 21,391 | -16,201 | 22,953 | -28,102 | 908 | 19,367 | 4,367 | 4,249 | 5,749 | 0 | 0 | 0 |
brilliant mortgages limited Credit Report and Business Information
Brilliant Mortgages Limited Competitor Analysis
Perform a competitor analysis for brilliant mortgages limited by selecting its closest rivals, whether from the FINANCIAL AND INSURANCE ACTIVITIES sector, other small companies, companies in SA15 area or any other competitors across 12 key performance metrics.
brilliant mortgages limited Ownership
BRILLIANT MORTGAGES LIMITED group structure
Brilliant Mortgages Limited has no subsidiary companies.
Ultimate parent company
BRILLIANT MORTGAGES LIMITED
06140621
brilliant mortgages limited directors
Brilliant Mortgages Limited currently has 1 director, Mr Matthew Arena serving since Mar 2007.
| officer | country | age | start | end | role |
|---|---|---|---|---|---|
| Mr Matthew Arena | 45 years | Mar 2007 | - | Director |
P&L
March 2024turnover
724.4k
+60%
operating profit
8k
0%
gross margin
56.3%
-2.59%
turnover
Turnover, or revenue, is the amount of sales generated by a company within the financial year.
Balance Sheet
March 2024net assets
50.9k
+0.17%
total assets
59.6k
+0.1%
cash
34.4k
-0.07%
net assets
Total assets minus all liabilities
brilliant mortgages limited company details
company number
06140621
Type
Private limited with Share Capital
industry
64999 - Other financial service activities, except insurance and pension funding, (not including security dealing on own account and factoring) n.e.c.
incorporation date
March 2007
age
18
incorporated
UK
ultimate parent company
accounts
Total Exemption Full
last accounts submitted
March 2024
previous names
N/A
accountant
CHARLES & CO
auditor
-
address
3 murray street, llanelli, SA15 1AQ
Bank
-
Legal Advisor
-
brilliant mortgages 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 brilliant mortgages limited.
brilliant mortgages 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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brilliant mortgages limited Companies House Filings - See Documents
| date | description | view/download |
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