hq. mortgage & finance limited
hq. mortgage & finance limited Company Information
Company Number
06585639
Next Accounts
Mar 2026
Shareholders
hqmf holdings limited
Group Structure
View All
Industry
Activities of mortgage finance companies
Registered Address
4 king square, bridgwater, somerset, TA6 3YF
hq. mortgage & finance limited Estimated Valuation
Pomanda estimates the enterprise value of HQ. MORTGAGE & FINANCE LIMITED at £405k based on a Turnover of £566.2k and 0.72x industry multiple (adjusted for size and gross margin).
hq. mortgage & finance limited Estimated Valuation
Pomanda estimates the enterprise value of HQ. MORTGAGE & FINANCE LIMITED at £0 based on an EBITDA of £-58k and a 3.02x industry multiple (adjusted for size and gross margin).
hq. mortgage & finance limited Estimated Valuation
Pomanda estimates the enterprise value of HQ. MORTGAGE & FINANCE LIMITED at £303.2k based on Net Assets of £84.2k and 3.6x industry multiple (adjusted for liquidity).
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Hq. Mortgage & Finance Limited Overview
Hq. Mortgage & Finance Limited is a live company located in somerset, TA6 3YF with a Companies House number of 06585639. It operates in the activities of mortgage finance companies sector, SIC Code 64922. Founded in May 2008, it's largest shareholder is hqmf holdings limited with a 100% stake. Hq. Mortgage & Finance Limited is a established, small sized company, Pomanda has estimated its turnover at £566.2k with high growth in recent years.
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Hq. Mortgage & Finance Limited Health Check
Pomanda's financial health check has awarded Hq. Mortgage & Finance Limited a 4 rating. We use a traffic light system to show it exceeds the industry average on 4 measures and has 5 areas for improvement. Company Health Check FAQs
4 Strong
2 Regular
5 Weak
Size
annual sales of £566.2k, make it smaller than the average company (£6.3m)
- Hq. Mortgage & Finance Limited
£6.3m - Industry AVG
Growth
3 year (CAGR) sales growth of 26%, show it is growing at a faster rate (11.3%)
- Hq. Mortgage & Finance Limited
11.3% - Industry AVG
Production
with a gross margin of 4.3%, this company has a higher cost of product (25.2%)
- Hq. Mortgage & Finance Limited
25.2% - Industry AVG
Profitability
an operating margin of -10.3% make it less profitable than the average company (8.1%)
- Hq. Mortgage & Finance Limited
8.1% - Industry AVG
Employees
with 9 employees, this is similar to the industry average (8)
9 - Hq. Mortgage & Finance Limited
8 - Industry AVG
Pay Structure
on an average salary of £54.6k, the company has an equivalent pay structure (£54.6k)
- Hq. Mortgage & Finance Limited
£54.6k - Industry AVG
Efficiency
resulting in sales per employee of £62.9k, this is less efficient (£265.4k)
- Hq. Mortgage & Finance Limited
£265.4k - Industry AVG
Debtor Days
it gets paid by customers after 85 days, this is later than average (24 days)
- Hq. Mortgage & Finance Limited
24 days - Industry AVG
Creditor Days
its suppliers are paid after 78 days, this is slower than average (13 days)
- Hq. Mortgage & Finance Limited
13 days - Industry AVG
Stock Days
There is insufficient data available for this Key Performance Indicator!
- Hq. Mortgage & Finance Limited
- - Industry AVG
Cash Balance
has cash to cover current liabilities for 29 weeks, this is more cash available to meet short term requirements (21 weeks)
29 weeks - Hq. Mortgage & Finance Limited
21 weeks - Industry AVG
Debt Level
it has a ratio of liabilities to total assets of 58.2%, this is a lower level of debt than the average (95.1%)
58.2% - Hq. Mortgage & Finance Limited
95.1% - Industry AVG
HQ. MORTGAGE & FINANCE LIMITED financials
Hq. Mortgage & Finance Limited's latest turnover from June 2024 is estimated at £566.2 thousand and the company has net assets of £84.2 thousand. According to their latest financial statements, Hq. Mortgage & Finance Limited has 9 employees and maintains cash reserves of £66.9 thousand as reported in the balance sheet.
Data source: Companies House, Pomanda Estimates
| Jun 2024 | Jun 2023 | Jun 2022 | Jun 2021 | Jun 2020 | Jun 2019 | Jun 2018 | Jun 2017 | Jun 2016 | Jun 2015 | Jun 2014 | Jun 2013 | Jun 2012 | Jun 2011 | Jun 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 | 9 | 9 | 8 | 6 | 6 | 6 | 6 | 5 | 4 | ||||||
| EBITDA* |
* Earnings Before Interest, Tax, Depreciation and Amortisation
| Jun 2024 | Jun 2023 | Jun 2022 | Jun 2021 | Jun 2020 | Jun 2019 | Jun 2018 | Jun 2017 | Jun 2016 | Jun 2015 | Jun 2014 | Jun 2013 | Jun 2012 | Jun 2011 | Jun 2010 | |
|---|---|---|---|---|---|---|---|---|---|---|---|---|---|---|---|
| Tangible Assets | 1,988 | 2,651 | 3,537 | 2,714 | 2,704 | 3,150 | 3,504 | 4,260 | 4,550 | 4,436 | 5,649 | 5,156 | 3,052 | 2,555 | 1,808 |
| Intangible Assets | |||||||||||||||
| Investments & Other | |||||||||||||||
| Debtors (Due After 1 year) | |||||||||||||||
| Total Fixed Assets | 1,988 | 2,651 | 3,537 | 2,714 | 2,704 | 3,150 | 3,504 | 4,260 | 4,550 | 4,436 | 5,649 | 5,156 | 3,052 | 2,555 | 1,808 |
| Stock & work in progress | |||||||||||||||
| Trade Debtors | 132,592 | 126,718 | 64,305 | 101,797 | 34,346 | 60,447 | 56,182 | 35,385 | 26,413 | 18,953 | 6,802 | 6,754 | 7,531 | 8,186 | 16,922 |
| Group Debtors | |||||||||||||||
| Misc Debtors | |||||||||||||||
| Cash | 66,913 | 158,574 | 161,149 | 159,839 | 98,860 | 120,166 | 102,630 | 61,612 | 48,681 | 30,415 | 25,016 | 16,754 | 14,964 | 10,026 | 11,344 |
| misc current assets | |||||||||||||||
| total current assets | 199,505 | 285,292 | 225,454 | 261,636 | 133,206 | 180,613 | 158,812 | 96,997 | 75,094 | 49,368 | 31,818 | 23,508 | 22,495 | 18,212 | 28,266 |
| total assets | 201,493 | 287,943 | 228,991 | 264,350 | 135,910 | 183,763 | 162,316 | 101,257 | 79,644 | 53,804 | 37,467 | 28,664 | 25,547 | 20,767 | 30,074 |
| Bank overdraft | |||||||||||||||
| Bank loan | |||||||||||||||
| Trade Creditors | 116,883 | 150,510 | 146,167 | 155,463 | 51,840 | 107,598 | 114,560 | 75,379 | 60,099 | 47,803 | 32,144 | 26,366 | 25,166 | 22,267 | 28,265 |
| Group/Directors Accounts | |||||||||||||||
| other short term finances | |||||||||||||||
| hp & lease commitments | |||||||||||||||
| other current liabilities | |||||||||||||||
| total current liabilities | 116,883 | 150,510 | 146,167 | 155,463 | 51,840 | 107,598 | 114,560 | 75,379 | 60,099 | 47,803 | 32,144 | 26,366 | 25,166 | 22,267 | 28,265 |
| loans | |||||||||||||||
| hp & lease commitments | |||||||||||||||
| Accruals and Deferred Income | |||||||||||||||
| other liabilities | |||||||||||||||
| provisions | 378 | 504 | 672 | 514 | 514 | 599 | 666 | 852 | 910 | 887 | 1,130 | ||||
| total long term liabilities | 378 | 504 | 672 | 514 | 514 | 599 | 666 | 852 | 910 | 887 | 1,130 | ||||
| total liabilities | 117,261 | 151,014 | 146,839 | 155,977 | 52,354 | 108,197 | 115,226 | 76,231 | 61,009 | 48,690 | 33,274 | 26,366 | 25,166 | 22,267 | 28,265 |
| net assets | 84,232 | 136,929 | 82,152 | 108,373 | 83,556 | 75,566 | 47,090 | 25,026 | 18,635 | 5,114 | 4,193 | 2,298 | 381 | -1,500 | 1,809 |
| total shareholders funds | 84,232 | 136,929 | 82,152 | 108,373 | 83,556 | 75,566 | 47,090 | 25,026 | 18,635 | 5,114 | 4,193 | 2,298 | 381 | -1,500 | 1,809 |
| Jun 2024 | Jun 2023 | Jun 2022 | Jun 2021 | Jun 2020 | Jun 2019 | Jun 2018 | Jun 2017 | Jun 2016 | Jun 2015 | Jun 2014 | Jun 2013 | Jun 2012 | Jun 2011 | Jun 2010 | |
|---|---|---|---|---|---|---|---|---|---|---|---|---|---|---|---|
| Operating Activities | |||||||||||||||
| Operating Profit | |||||||||||||||
| Depreciation | 663 | 886 | 1,178 | 904 | 900 | 1,048 | 1,633 | 1,318 | 1,604 | 1,479 | 1,797 | 1,545 | 1,017 | 851 | 604 |
| Amortisation | |||||||||||||||
| Tax | |||||||||||||||
| Stock | |||||||||||||||
| Debtors | 5,874 | 62,413 | -37,492 | 67,451 | -26,101 | 4,265 | 20,797 | 8,972 | 7,460 | 12,151 | 48 | -777 | -655 | -8,736 | 16,922 |
| Creditors | -33,627 | 4,343 | -9,296 | 103,623 | -55,758 | -6,962 | 39,181 | 15,280 | 12,296 | 15,659 | 5,778 | 1,200 | 2,899 | -5,998 | 28,265 |
| Accruals and Deferred Income | |||||||||||||||
| Deferred Taxes & Provisions | -126 | -168 | 158 | -85 | -67 | -186 | -58 | 23 | -243 | 1,130 | |||||
| Cash flow from operations | |||||||||||||||
| Investing Activities | |||||||||||||||
| capital expenditure | |||||||||||||||
| Change in Investments | |||||||||||||||
| cash flow from investments | |||||||||||||||
| Financing Activities | |||||||||||||||
| Bank loans | |||||||||||||||
| Group/Directors Accounts | |||||||||||||||
| Other Short Term Loans | |||||||||||||||
| Long term loans | |||||||||||||||
| Hire Purchase and Lease Commitments | |||||||||||||||
| other long term liabilities | |||||||||||||||
| share issue | |||||||||||||||
| interest | |||||||||||||||
| cash flow from financing | |||||||||||||||
| cash and cash equivalents | |||||||||||||||
| cash | -91,661 | -2,575 | 1,310 | 60,979 | -21,306 | 17,536 | 41,018 | 12,931 | 18,266 | 5,399 | 8,262 | 1,790 | 4,938 | -1,318 | 11,344 |
| overdraft | |||||||||||||||
| change in cash | -91,661 | -2,575 | 1,310 | 60,979 | -21,306 | 17,536 | 41,018 | 12,931 | 18,266 | 5,399 | 8,262 | 1,790 | 4,938 | -1,318 | 11,344 |
hq. mortgage & finance limited Credit Report and Business Information
Hq. Mortgage & Finance Limited Competitor Analysis
Perform a competitor analysis for hq. mortgage & finance limited by selecting its closest rivals, whether from the FINANCIAL AND INSURANCE ACTIVITIES sector, other small companies, companies in TA6 area or any other competitors across 12 key performance metrics.
hq. mortgage & finance limited Ownership
HQ. MORTGAGE & FINANCE LIMITED group structure
Hq. Mortgage & Finance Limited has no subsidiary companies.
Ultimate parent company
HQ. MORTGAGE & FINANCE LIMITED
06585639
hq. mortgage & finance limited directors
Hq. Mortgage & Finance Limited currently has 4 directors. The longest serving directors include Mr Mark Bevan (Jan 2023) and Mr Robert Plaistow (Jan 2023).
| officer | country | age | start | end | role |
|---|---|---|---|---|---|
| Mr Mark Bevan | United Kingdom | 44 years | Jan 2023 | - | Director |
| Mr Robert Plaistow | United Kingdom | 44 years | Jan 2023 | - | Director |
| Mr James Smith | United Kingdom | 45 years | Jan 2023 | - | Director |
| Mr Louis Down | United Kingdom | 28 years | Jan 2023 | - | Director |
P&L
June 2024turnover
566.2k
+3%
operating profit
-58.6k
0%
gross margin
4.3%
-49.97%
turnover
Turnover, or revenue, is the amount of sales generated by a company within the financial year.
Balance Sheet
June 2024net assets
84.2k
-0.38%
total assets
201.5k
-0.3%
cash
66.9k
-0.58%
net assets
Total assets minus all liabilities
hq. mortgage & finance limited company details
company number
06585639
Type
Private limited with Share Capital
industry
64922 - Activities of mortgage finance companies
incorporation date
May 2008
age
17
incorporated
UK
ultimate parent company
accounts
Unaudited Abridged
last accounts submitted
June 2024
previous names
N/A
accountant
MAXWELLS
auditor
-
address
4 king square, bridgwater, somerset, TA6 3YF
Bank
NATIONAL WESTMINSTER BANK PLC
Legal Advisor
-
hq. mortgage & finance 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 hq. mortgage & finance limited.
hq. mortgage & finance 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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hq. mortgage & finance limited Companies House Filings - See Documents
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