paul charles mortgage and financial services limitedEstimated Valuation
£332.6k
Pomanda estimates the enterprise value of PAUL CHARLES MORTGAGE AND FINANCIAL SERVICES LIMITED at £332.6k based on a Turnover of £463.7k and 0.72x industry multiple (adjusted for size and gross margin).
paul charles mortgage and financial services limitedEstimated Valuation
£63.6k
Pomanda estimates the enterprise value of PAUL CHARLES MORTGAGE AND FINANCIAL SERVICES LIMITED at £63.6k based on an EBITDA of £24.4k and a 2.6x industry multiple (adjusted for size and gross margin).
paul charles mortgage and financial services limitedEstimated Valuation
£34.6k
Pomanda estimates the enterprise value of PAUL CHARLES MORTGAGE AND FINANCIAL SERVICES LIMITED at £34.6k based on Net Assets of £28.1k and 1.23x industry multiple (adjusted for liquidity).
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Paul Charles Mortgage And Financial Services LimitedOverview
Paul Charles Mortgage And Financial Services Limited is a live company located in surrey, KT9 1QT with a Companies House number of 06693768. It operates in the financial intermediation not elsewhere classified sector, SIC Code 64999. Founded in September 2008, it's largest shareholder is
anthony charles david douch
with a 100% stake. Paul Charles Mortgage And Financial Services Limited is a established,
micro sized company, Pomanda has estimated its turnover at
£463.7k with
healthy
growth in recent years.
Paul Charles Mortgage And Financial Services Limited Health Check
Pomanda's financial health check has awarded Paul Charles Mortgage And Financial Services Limited a 1.5 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
Health Rating1.5out of 5
1 Strong
2 Regular
8 Weak
Size
annual sales of £463.7k, make it smaller than the average company (£5.1m)
£463.7k - Paul Charles Mortgage And Financial Services Limited
£5.1m - Industry AVG
Growth
3 year (CAGR) sales growth of 15%, show it is growing at a faster rate (6.8%)
15% - Paul Charles Mortgage And Financial Services Limited
6.8% - Industry AVG
Production
with a gross margin of 14.6%, this company has a higher cost of product (56.1%)
14.6% - Paul Charles Mortgage And Financial Services Limited
56.1% - Industry AVG
Profitability
an operating margin of 5.2% make it less profitable than the average company (9.4%)
5.2% - Paul Charles Mortgage And Financial Services Limited
9.4% - Industry AVG
Employees
with 6 employees, this is below the industry average (12)
6 - Paul Charles Mortgage And Financial Services Limited
12 - Industry AVG
Pay Structure
on an average salary of £79.4k, the company has an equivalent pay structure (£79.4k)
£79.4k - Paul Charles Mortgage And Financial Services Limited
£79.4k - Industry AVG
Efficiency
resulting in sales per employee of £77.3k, this is less efficient (£213.2k)
£77.3k - Paul Charles Mortgage And Financial Services Limited
£213.2k - Industry AVG
Debtor Days
it gets paid by customers after 81 days, this is later than average (32 days)
81 days - Paul Charles Mortgage And Financial Services Limited
32 days - Industry AVG
Creditor Days
its suppliers are paid after 25 days, this is quicker than average (41 days)
25 days - Paul Charles Mortgage And Financial Services Limited
41 days - Industry AVG
Stock Days
There is insufficient data available for this Key Performance Indicator!
- - Paul Charles Mortgage And Financial Services Limited
- - Industry AVG
Cash Balance
has cash to cover current liabilities
for 28 weeks, this is average cash available to meet short term requirements (28 weeks)
28 weeks - Paul Charles Mortgage And Financial Services Limited
28 weeks - Industry AVG
Debt Level
it has a ratio of liabilities to total assets of 78.3%, this is a higher level of debt than the average (69.3%)
78.3% - Paul Charles Mortgage And Financial Services Limited
69.3% - Industry AVG
PAUL CHARLES MORTGAGE AND FINANCIAL SERVICES LIMITED financials
EXPORT
Paul Charles Mortgage And Financial Services Limited's latest turnover from March 2024 is estimated at £463.7 thousand and the company has net assets of £28.1 thousand. According to their latest financial statements, Paul Charles Mortgage And Financial Services Limited has 6 employees and maintains cash reserves of £15.5 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
463,742
332,081
381,686
306,913
284,791
284,130
286,093
369,393
348,339
41,139
56,905
33,526
18,709
29,857
23,252
Other Income Or Grants
Cost Of Sales
395,876
274,313
309,040
246,903
226,652
229,256
224,682
280,381
238,624
28,605
40,365
23,629
13,404
21,786
18,110
Gross Profit
67,866
57,768
72,646
60,010
58,139
54,874
61,411
89,012
109,715
12,534
16,540
9,897
5,305
8,071
5,142
Admin Expenses
43,857
88,617
28,333
61,743
69,123
38,929
72,956
76,028
117,576
18,484
-4,761
12,057
4,360
7,045
-1,601
Operating Profit
24,009
-30,849
44,313
-1,733
-10,984
15,945
-11,545
12,984
-7,861
-5,950
21,301
-2,160
945
1,026
6,743
Interest Payable
389
966
1,124
1,249
691
Interest Receivable
1,238
1,653
390
37
14
63
17
17
68
57
28
23
36
27
6
Pre-Tax Profit
25,247
-29,196
44,702
-1,696
-11,359
15,042
-12,652
11,753
-8,484
-5,893
21,329
-2,137
981
1,053
6,749
Tax
-6,312
-8,493
-2,858
-2,350
-4,906
-255
-295
-1,890
Profit After Tax
18,935
-29,196
36,209
-1,696
-11,359
12,184
-12,652
9,402
-8,484
-5,893
16,423
-2,137
726
758
4,859
Dividends Paid
Retained Profit
18,935
-29,196
36,209
-1,696
-11,359
12,184
-12,652
9,402
-8,484
-5,893
16,423
-2,137
726
758
4,859
Employee Costs
476,351
443,378
439,362
411,933
414,981
341,662
329,091
375,909
364,348
58,136
59,249
57,417
55,761
55,891
56,650
Number Of Employees
6
6
6
6
6
5
5
6
6
1
1
1
1
1
1
EBITDA*
24,431
-29,946
45,158
5,815
-4,704
21,168
-1,037
18,472
-1,028
-1,627
25,586
1,485
3,903
2,680
8,397
* 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
347
769
872
1,239
8,013
11,091
6,874
10,977
8,653
5,052
4,285
1,898
2,697
4,203
3,357
Intangible Assets
Investments & Other
Debtors (Due After 1 year)
9,933
3,241
Total Fixed Assets
10,280
4,010
872
1,239
8,013
11,091
6,874
10,977
8,653
5,052
4,285
1,898
2,697
4,203
3,357
Stock & work in progress
Trade Debtors
103,630
29,746
69,578
33,611
13,250
19,700
18,178
43,000
25,000
15,000
22,000
12,550
6,500
10,800
8,425
Group Debtors
Misc Debtors
5,458
4,257
4,257
Cash
15,518
31,640
46,156
57,783
17,043
11,365
5,396
1,298
12,218
14,907
7,865
3,201
5,925
8,448
2,334
misc current assets
total current assets
119,148
61,386
115,734
91,394
30,293
36,523
27,831
48,555
37,218
29,907
29,865
15,751
12,425
19,248
10,759
total assets
129,428
65,396
116,606
92,633
38,306
47,614
34,705
59,532
45,871
34,959
34,150
17,649
15,122
23,451
14,116
Bank overdraft
3,139
3,139
2,479
2,479
Bank loan
Trade Creditors
28,054
24,438
35,803
38,374
27,619
19,212
13,520
13,442
8,778
17,833
9,256
Group/Directors Accounts
6,989
6,127
other short term finances
hp & lease commitments
other current liabilities
18,303
14,446
13,160
10,509
total current liabilities
28,054
24,438
35,803
38,374
27,619
21,442
17,585
22,628
19,115
19,212
13,520
13,442
8,778
17,833
9,256
loans
9,610
12,742
16,225
18,772
hp & lease commitments
Accruals and Deferred Income
other liabilities
73,228
31,667
42,296
51,892
5,337
provisions
66
146
166
235
1,522
1,375
1,375
5,024
1,731
1,010
total long term liabilities
73,294
31,813
42,462
52,127
6,859
10,985
14,117
21,249
20,503
1,010
total liabilities
101,348
56,251
78,265
90,501
34,478
32,427
31,702
43,877
39,618
20,222
13,520
13,442
8,778
17,833
9,256
net assets
28,080
9,145
38,341
2,132
3,828
15,187
3,003
15,655
6,253
14,737
20,630
4,207
6,344
5,618
4,860
total shareholders funds
28,080
9,145
38,341
2,132
3,828
15,187
3,003
15,655
6,253
14,737
20,630
4,207
6,344
5,618
4,860
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
24,009
-30,849
44,313
-1,733
-10,984
15,945
-11,545
12,984
-7,861
-5,950
21,301
-2,160
945
1,026
6,743
Depreciation
422
903
845
7,548
6,280
5,223
10,508
5,488
6,833
4,323
4,285
3,645
2,958
1,654
1,654
Amortisation
Tax
-6,312
-8,493
-2,858
-2,350
-4,906
-255
-295
-1,890
Stock
Debtors
80,576
-36,591
35,967
20,361
-11,908
2,723
-24,822
22,257
10,000
-7,000
9,450
6,050
-4,300
2,375
8,425
Creditors
3,616
-11,365
-2,571
10,755
27,619
-19,212
5,692
78
4,664
-9,055
8,577
9,256
Accruals and Deferred Income
-18,303
3,857
1,286
2,651
10,509
Deferred Taxes & Provisions
-80
-20
-69
-1,287
147
-3,649
3,293
721
1,010
Cash flow from operations
-58,921
-4,740
-1,942
-5,078
16,667
19,444
21,422
-191
-19,010
12,075
11,308
99
-1,107
8,587
7,338
Investing Activities
capital expenditure
-800
-478
-774
-3,202
-9,440
-6,405
-7,812
-10,434
-5,090
-6,672
-2,846
-1,452
-2,500
-5,011
Change in Investments
cash flow from investments
-800
-478
-774
-3,202
-9,440
-6,405
-7,812
-10,434
-5,090
-6,672
-2,846
-1,452
-2,500
-5,011
Financing Activities
Bank loans
Group/Directors Accounts
-6,989
862
6,127
Other Short Term Loans
Long term loans
-9,610
-3,132
-3,483
-2,547
18,772
Hire Purchase and Lease Commitments
other long term liabilities
41,561
-10,629
-9,596
46,555
5,337
share issue
1
interest
1,238
1,653
390
37
-375
-903
-1,107
-1,232
-623
57
28
23
36
27
6
cash flow from financing
42,799
-8,976
-9,206
46,592
-4,648
-4,035
-11,579
-2,917
24,276
57
28
23
36
27
7
cash and cash equivalents
cash
-16,122
-14,516
-11,627
40,740
5,678
5,969
4,098
-10,920
-2,689
7,042
4,664
-2,724
-2,523
6,114
2,334
overdraft
-3,139
660
2,479
change in cash
-16,122
-14,516
-11,627
40,740
8,817
5,969
3,438
-10,920
-5,168
7,042
4,664
-2,724
-2,523
6,114
2,334
paul charles mortgage and financial services limited Credit Report and Business Information
Very Low Risk70 - 100
Low Risk50 - 70
Moderate Risk30 - 50
High Risk20 - 30
Very High Risk0 - 20
Get a comprehensive credit check for paul charles mortgage and financial services limited. Get real-time insights into paul charles mortgage and financial services limited's credit score, group structure and payment trends.
Paul Charles Mortgage And Financial Services Limited Competitor Analysis
Perform a competitor analysis for paul charles mortgage and financial services limited by selecting its closest rivals, whether from the FINANCIAL AND INSURANCE ACTIVITIES sector, other micro companies, companies in KT9 area or any other competitors across 12 key performance metrics.
paul charles mortgage and financial services limited Ownership
PAUL CHARLES MORTGAGE AND FINANCIAL SERVICES LIMITED group structure
Paul Charles Mortgage And Financial Services Limited has no subsidiary companies.
Ultimate parent company
PAUL CHARLES MORTGAGE AND FINANCIAL SERVICES LIMITED
06693768
PAUL CHARLES MORTGAGE AND FINANCIAL SERVICES LIMITED Shareholders
The sole shareholder of Paul Charles Mortgage And Financial Services Limited is Anthony Charles David Douch.
anthony charles david douch
100%
paul charles mortgage and financial services limited directors
Paul Charles Mortgage And Financial Services Limited currently has 1 director, Mr Anthony Lewis-Douch serving since Jan 2009.
paul charles mortgage and financial services limited company details
company number
06693768
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
September 2008
age
17
incorporated
UK
ultimate parent company
None
accounts
Unaudited Abridged
last accounts submitted
March 2024
previous names
N/A
accountant
PENNYWISE ACCOUNTING LTD
auditor
-
address
106 frimley road, chessington, surrey, KT9 1QT
Bank
-
Legal Advisor
-
paul charles mortgage and financial services 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 paul charles mortgage and financial services limited.
paul charles mortgage and financial services 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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paul charles mortgage and financial services limitedCompanies House Filings - See Documents
