exact mortgage experts limited
exact mortgage experts limited Company Information
Company Number
06749563
Next Accounts
Sep 2025
Shareholders
ccfsg holdings limited
Group Structure
View All
Industry
Other business support service activities n.e.c.
Registered Address
2 charter court, broadlands, wolverhampton, west midlands, WV10 6TD
exact mortgage experts limited Estimated Valuation
Pomanda estimates the enterprise value of EXACT MORTGAGE EXPERTS LIMITED at £29.8m based on a Turnover of £31m and 0.96x industry multiple (adjusted for size and gross margin).
exact mortgage experts limited Estimated Valuation
Pomanda estimates the enterprise value of EXACT MORTGAGE EXPERTS LIMITED at £26.3m based on an EBITDA of £3.7m and a 7.04x industry multiple (adjusted for size and gross margin).
exact mortgage experts limited Estimated Valuation
Pomanda estimates the enterprise value of EXACT MORTGAGE EXPERTS LIMITED at £43.4m based on Net Assets of £20.3m and 2.13x industry multiple (adjusted for liquidity).
Edit your figures and get a professional valuation report.
Exact Mortgage Experts Limited Overview
Exact Mortgage Experts Limited is a live company located in wolverhampton, WV10 6TD with a Companies House number of 06749563. It operates in the other business support service activities n.e.c. sector, SIC Code 82990. Founded in November 2008, it's largest shareholder is ccfsg holdings limited with a 100% stake. Exact Mortgage Experts Limited is a established, large sized company, Pomanda has estimated its turnover at £31m with declining growth in recent years.
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Exact Mortgage Experts Limited Health Check
Pomanda's financial health check has awarded Exact Mortgage Experts Limited a 3.5 rating. We use a traffic light system to show it exceeds the industry average on 4 measures and has 3 areas for improvement. Company Health Check FAQs
4 Strong
2 Regular
3 Weak
Size
annual sales of £31m, make it larger than the average company (£4.8m)
£31m - Exact Mortgage Experts Limited
£4.8m - Industry AVG
Growth
3 year (CAGR) sales growth of -10%, show it is growing at a slower rate (6.7%)
-10% - Exact Mortgage Experts Limited
6.7% - Industry AVG
Production
with a gross margin of 38.3%, this company has a comparable cost of product (38.3%)
38.3% - Exact Mortgage Experts Limited
38.3% - Industry AVG
Profitability
an operating margin of 12.1% make it more profitable than the average company (5.7%)
12.1% - Exact Mortgage Experts Limited
5.7% - Industry AVG
Employees
with 406 employees, this is above the industry average (27)
406 - Exact Mortgage Experts Limited
27 - Industry AVG
Pay Structure
on an average salary of £62.1k, the company has an equivalent pay structure (£53.9k)
£62.1k - Exact Mortgage Experts Limited
£53.9k - Industry AVG
Efficiency
resulting in sales per employee of £76.3k, this is less efficient (£171.3k)
£76.3k - Exact Mortgage Experts Limited
£171.3k - Industry AVG
Debtor Days
There is insufficient data available for this Key Performance Indicator!
- - Exact Mortgage Experts Limited
- - Industry AVG
Creditor Days
its suppliers are paid after 0 days, this is quicker than average (32 days)
0 days - Exact Mortgage Experts Limited
32 days - Industry AVG
Stock Days
There is insufficient data available for this Key Performance Indicator!
- - Exact Mortgage Experts Limited
- - Industry AVG
Cash Balance
There is insufficient data available for this Key Performance Indicator!
- - Exact Mortgage Experts Limited
- - Industry AVG
Debt Level
it has a ratio of liabilities to total assets of 23.9%, this is a lower level of debt than the average (62.5%)
23.9% - Exact Mortgage Experts Limited
62.5% - Industry AVG
EXACT MORTGAGE EXPERTS LIMITED financials
Exact Mortgage Experts Limited's latest turnover from December 2023 is £31 million and the company has net assets of £20.3 million. According to their latest financial statements, Exact Mortgage Experts Limited has 406 employees 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 | 30,964,000 | 31,374,000 | 36,385,000 | 42,739,000 | 49,709,000 | 41,858,000 | 35,871,000 | 28,441,000 | 20,602,000 | 15,893,000 | 93,406 | ||||
| Other Income Or Grants | |||||||||||||||
| Cost Of Sales | |||||||||||||||
| Gross Profit | |||||||||||||||
| Admin Expenses | |||||||||||||||
| Operating Profit | -95,000 | -172,000 | -253,000 | -8,292,456 | -7,745,258 | -7,266,473 | -6,440,248 | ||||||||
| Interest Payable | |||||||||||||||
| Interest Receivable | |||||||||||||||
| Pre-Tax Profit | 3,671,000 | 2,951,000 | 3,174,000 | 3,987,000 | 32,000 | -6,000 | -29,000 | -95,000 | -172,000 | -253,000 | -13,067 | -8,292,456 | -7,745,258 | -7,266,473 | -6,440,248 |
| Tax | -867,000 | -430,000 | -618,000 | -792,000 | -1,077,000 | -403,000 | -324,000 | -293,000 | -378,000 | 331,000 | |||||
| Profit After Tax | 2,804,000 | 2,521,000 | 2,556,000 | 3,195,000 | -1,045,000 | -409,000 | -353,000 | -388,000 | -550,000 | 78,000 | -13,067 | -8,292,456 | -7,745,258 | -7,266,473 | -6,440,248 |
| Dividends Paid | |||||||||||||||
| Retained Profit | 2,804,000 | 2,521,000 | 2,556,000 | 3,195,000 | -1,045,000 | -409,000 | -353,000 | -388,000 | -550,000 | 78,000 | -13,067 | -8,292,456 | -7,745,258 | -7,266,473 | -6,440,248 |
| Employee Costs | 25,225,000 | 26,339,000 | 31,764,000 | 35,446,000 | 45,375,000 | 37,683,000 | 31,349,000 | 24,499,000 | 17,008,000 | 12,087,000 | 8,402 | 5,862,621 | 5,240,843 | 4,387,580 | 4,109,204 |
| Number Of Employees | 406 | 450 | 585 | 684 | 669 | 577 | 462 | 370 | 282 | 186 | 128 | 90 | 73 | 57 | 34 |
| EBITDA* | 3,000 | 6,000 | 28,000 | -7,779,567 | -7,276,657 | -6,890,845 | -6,370,624 |
* 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 | 1,836,000 | 1,439,000 | 56,000 | 81,000 | 99,000 | 207,000 | 194,000 | 293 | 84,148 | 83,857 | 88,231 | 89,039 | |||
| Intangible Assets | 87,000 | 124,000 | 163,000 | 4,000 | 45,000 | 164,000 | 362 | 730,234 | 1,107,165 | 1,194,360 | 1,122,260 | ||||
| Investments & Other | |||||||||||||||
| Debtors (Due After 1 year) | 918,000 | 672,000 | |||||||||||||
| Total Fixed Assets | 87,000 | 124,000 | 1,081,000 | 767,000 | 56,000 | 81,000 | 103,000 | 252,000 | 358,000 | 655 | 814,382 | 1,191,022 | 1,282,591 | 1,211,299 | |
| Stock & work in progress | |||||||||||||||
| Trade Debtors | 159,000 | 329,000 | 1,000 | 133,000 | 2,000 | 310,000 | 386 | 13,477 | |||||||
| Group Debtors | 19,000 | 3,640,000 | 696,000 | ||||||||||||
| Misc Debtors | 318,000 | 194,000 | 170,000 | 186,000 | 239,000 | 176,000 | 506,000 | 323,153 | 266,436 | 276,007 | 218,762 | ||||
| Cash | 10,293,000 | 8,481,000 | 2,297,000 | 3,262,000 | 1,725,000 | 273 | 62,346 | 132,658 | 147,521 | 102,962 | |||||
| misc current assets | 25,875,000 | 23,172,000 | 18,657,000 | 11,342,000 | 7,985,000 | ||||||||||
| total current assets | 26,640,000 | 23,884,000 | 18,856,000 | 15,300,000 | 9,410,000 | 10,792,000 | 8,668,000 | 2,669,000 | 3,440,000 | 2,541,000 | 659 | 385,499 | 399,094 | 423,528 | 335,201 |
| total assets | 26,727,000 | 24,008,000 | 19,937,000 | 16,067,000 | 9,410,000 | 10,848,000 | 8,749,000 | 2,772,000 | 3,692,000 | 2,899,000 | 1,314 | 1,199,881 | 1,590,116 | 1,706,119 | 1,546,500 |
| Bank overdraft | |||||||||||||||
| Bank loan | |||||||||||||||
| Trade Creditors | 23,000 | 12,000 | 87,000 | 209,000 | 175,000 | 358,000 | 131,000 | 609,000 | 134,000 | 44,126 | 126,648 | 108,755 | 108,232 | 338,854 | |
| Group/Directors Accounts | 30,014,473 | ||||||||||||||
| other short term finances | |||||||||||||||
| hp & lease commitments | |||||||||||||||
| other current liabilities | 6,355,000 | 6,906,000 | 6,079,000 | 6,096,000 | 3,964,000 | 8,368,000 | 7,750,000 | 2,694,000 | 2,842,000 | 1,974,000 | 803,194 | 22,933,339 | 15,304,607 | 7,647,893 | |
| total current liabilities | 6,378,000 | 6,918,000 | 6,079,000 | 6,183,000 | 4,173,000 | 8,543,000 | 8,108,000 | 2,825,000 | 3,451,000 | 2,108,000 | 44,126 | 30,944,315 | 23,042,094 | 15,412,839 | 7,986,747 |
| loans | |||||||||||||||
| hp & lease commitments | |||||||||||||||
| Accruals and Deferred Income | |||||||||||||||
| other liabilities | |||||||||||||||
| provisions | |||||||||||||||
| total long term liabilities | |||||||||||||||
| total liabilities | 6,378,000 | 6,918,000 | 6,079,000 | 6,183,000 | 4,173,000 | 8,543,000 | 8,108,000 | 2,825,000 | 3,451,000 | 2,108,000 | 44,126 | 30,944,315 | 23,042,094 | 15,412,839 | 7,986,747 |
| net assets | 20,349,000 | 17,090,000 | 13,858,000 | 9,884,000 | 5,237,000 | 2,305,000 | 641,000 | -53,000 | 241,000 | 791,000 | -42,812 | -29,744,434 | -21,451,978 | -13,706,720 | -6,440,247 |
| total shareholders funds | 20,349,000 | 17,090,000 | 13,858,000 | 9,884,000 | 5,237,000 | 2,305,000 | 641,000 | -53,000 | 241,000 | 791,000 | -42,812 | -29,744,434 | -21,451,978 | -13,706,720 | -6,440,247 |
| 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 | -95,000 | -172,000 | -253,000 | -8,292,456 | -7,745,258 | -7,266,473 | -6,440,248 | ||||||||
| Depreciation | 4,000 | 26,000 | 28,000 | 57,000 | 79,000 | 86,000 | 61 | 45,890 | 54,052 | 44,261 | 30,328 | ||||
| Amortisation | 36,000 | 22,000 | 4,000 | 41,000 | 99,000 | 195,000 | 446 | 466,999 | 414,549 | 331,367 | 39,296 | ||||
| Tax | -867,000 | -430,000 | -618,000 | -792,000 | -1,077,000 | -403,000 | -324,000 | -293,000 | -378,000 | 331,000 | |||||
| Stock | |||||||||||||||
| Debtors | -937,000 | -3,693,000 | 3,581,000 | 550,000 | 312,000 | -185,000 | 194,000 | -638,000 | 815,614 | -322,767 | 56,717 | -9,571 | 43,768 | 232,239 | |
| Creditors | 11,000 | 12,000 | -87,000 | -122,000 | 34,000 | -183,000 | 227,000 | -478,000 | 475,000 | 89,874 | -82,522 | 17,893 | 523 | -230,622 | 338,854 |
| Accruals and Deferred Income | -551,000 | 827,000 | -17,000 | 2,132,000 | -4,404,000 | 618,000 | 5,056,000 | -148,000 | 868,000 | 1,974,000 | -803,194 | -22,130,145 | 7,628,732 | 7,656,714 | 7,647,893 |
| Deferred Taxes & Provisions | |||||||||||||||
| Cash flow from operations | -1,110,000 | 1,609,000 | 1,607,260 | -29,948,536 | 362,169 | 491,479 | 1,383,884 | ||||||||
| Investing Activities | |||||||||||||||
| capital expenditure | |||||||||||||||
| Change in Investments | |||||||||||||||
| cash flow from investments | |||||||||||||||
| Financing Activities | |||||||||||||||
| Bank loans | |||||||||||||||
| Group/Directors Accounts | -30,014,473 | 30,014,473 | |||||||||||||
| Other Short Term Loans | |||||||||||||||
| Long term loans | |||||||||||||||
| Hire Purchase and Lease Commitments | |||||||||||||||
| other long term liabilities | |||||||||||||||
| share issue | |||||||||||||||
| interest | |||||||||||||||
| cash flow from financing | 455,000 | 711,000 | 1,418,000 | 1,452,000 | 3,977,000 | 2,073,000 | 1,047,000 | 94,000 | 755,812 | -299,784 | 30,014,473 | 1 | |||
| cash and cash equivalents | |||||||||||||||
| cash | -10,293,000 | 1,812,000 | 6,184,000 | -965,000 | 1,537,000 | 1,724,727 | -62,073 | -70,312 | -14,863 | 44,559 | 102,962 | ||||
| overdraft | |||||||||||||||
| change in cash | -10,293,000 | 1,812,000 | 6,184,000 | -965,000 | 1,537,000 | 1,724,727 | -62,073 | -70,312 | -14,863 | 44,559 | 102,962 |
exact mortgage experts limited Credit Report and Business Information
Exact Mortgage Experts Limited Competitor Analysis
Perform a competitor analysis for exact mortgage experts limited by selecting its closest rivals, whether from the ADMINISTRATIVE AND SUPPORT SERVICE ACTIVITIES sector, other large companies, companies in WV10 area or any other competitors across 12 key performance metrics.
exact mortgage experts limited Ownership
EXACT MORTGAGE EXPERTS LIMITED group structure
Exact Mortgage Experts Limited has no subsidiary companies.
Ultimate parent company
2 parents
EXACT MORTGAGE EXPERTS LIMITED
06749563
exact mortgage experts limited directors
Exact Mortgage Experts Limited currently has 3 directors. The longest serving directors include Mr Andrew Golding (Oct 2019) and Mr Clive Kornitzer (Jun 2020).
| officer | country | age | start | end | role |
|---|---|---|---|---|---|
| Mr Andrew Golding | 56 years | Oct 2019 | - | Director | |
| Mr Clive Kornitzer | England | 60 years | Jun 2020 | - | Director |
| Ms Victoria Sullivan-Hyde | 48 years | May 2024 | - | Director |
P&L
December 2023turnover
31m
-1%
operating profit
3.7m
0%
gross margin
38.3%
-0.3%
turnover
Turnover, or revenue, is the amount of sales generated by a company within the financial year.
Balance Sheet
December 2023net assets
20.3m
+0.19%
total assets
26.7m
+0.11%
cash
0
0%
net assets
Total assets minus all liabilities
exact mortgage experts limited company details
company number
06749563
Type
Private limited with Share Capital
industry
82990 - Other business support service activities n.e.c.
incorporation date
November 2008
age
17
incorporated
UK
ultimate parent company
accounts
Full Accounts
last accounts submitted
December 2023
previous names
alnery no. 2822 limited (November 2008)
accountant
-
auditor
DELOITTE LLP
address
2 charter court, broadlands, wolverhampton, west midlands, WV10 6TD
Bank
-
Legal Advisor
-
exact mortgage experts 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 exact mortgage experts limited.
exact mortgage experts 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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exact mortgage experts limited Companies House Filings - See Documents
| date | description | view/download |
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