Pomanda estimates the enterprise value of MORTGAGE DECISIONS LIMITED at £2.1m based on a Turnover of £1.8m and 1.15x industry multiple (adjusted for size and gross margin).
mortgage decisions limitedEstimated Valuation
£0
Pomanda estimates the enterprise value of MORTGAGE DECISIONS LIMITED at £0 based on an EBITDA of £-731.8k and a 4.17x industry multiple (adjusted for size and gross margin).
mortgage decisions limitedEstimated Valuation
£82.7k
Pomanda estimates the enterprise value of MORTGAGE DECISIONS LIMITED at £82.7k based on Net Assets of £67.1k and 1.23x industry multiple (adjusted for liquidity).
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Mortgage Decisions LimitedOverview
Mortgage Decisions Limited is a live company located in eastleigh, SO53 2DR with a Companies House number of 07238950. It operates in the financial intermediation not elsewhere classified sector, SIC Code 64999. Founded in April 2010, it's largest shareholder is
gerard price
with a 46.7% stake. Mortgage Decisions Limited is a established,
small sized company, Pomanda has estimated its turnover at
£1.8m with
healthy
growth in recent years.
Pomanda's financial health check has awarded Mortgage Decisions Limited a 3 rating. We use a traffic light system to show it exceeds the industry average on 3 measures and has 5 areas for improvement. Company Health Check FAQs
Health Rating3out of 5
3 Strong
3 Regular
5 Weak
Size
annual sales of £1.8m, make it smaller than the average company (£5.1m)
£1.8m - Mortgage Decisions Limited
£5.1m - Industry AVG
Growth
3 year (CAGR) sales growth of 5%, show it is growing at a slower rate (6.8%)
5% - Mortgage Decisions Limited
6.8% - Industry AVG
Production
with a gross margin of 56.1%, this company has a comparable cost of product (56.1%)
56.1% - Mortgage Decisions Limited
56.1% - Industry AVG
Profitability
an operating margin of -39.8% make it less profitable than the average company (9.4%)
-39.8% - Mortgage Decisions Limited
9.4% - Industry AVG
Employees
with 18 employees, this is above the industry average (12)
18 - Mortgage Decisions Limited
12 - Industry AVG
Pay Structure
on an average salary of £79.4k, the company has an equivalent pay structure (£79.4k)
£79.4k - Mortgage Decisions Limited
£79.4k - Industry AVG
Efficiency
resulting in sales per employee of £102.4k, this is less efficient (£213.2k)
£102.4k - Mortgage Decisions Limited
£213.2k - Industry AVG
Debtor Days
it gets paid by customers after 0 days, this is earlier than average (32 days)
0 days - Mortgage Decisions Limited
32 days - Industry AVG
Creditor Days
its suppliers are paid after 0 days, this is quicker than average (41 days)
0 days - Mortgage Decisions Limited
41 days - Industry AVG
Stock Days
There is insufficient data available for this Key Performance Indicator!
- - Mortgage Decisions Limited
- - Industry AVG
Cash Balance
has cash to cover current liabilities
for 59 weeks, this is more cash available to meet short term requirements (28 weeks)
59 weeks - Mortgage Decisions Limited
28 weeks - Industry AVG
Debt Level
it has a ratio of liabilities to total assets of 69.8%, this is a similar level of debt than the average (69.3%)
69.8% - Mortgage Decisions Limited
69.3% - Industry AVG
MORTGAGE DECISIONS LIMITED financials
EXPORT
Mortgage Decisions Limited's latest turnover from March 2024 is estimated at £1.8 million and the company has net assets of £67.1 thousand. According to their latest financial statements, Mortgage Decisions Limited has 18 employees and maintains cash reserves of £151.4 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
Apr 2015
Apr 2014
Apr 2013
Apr 2012
Apr 2011
Turnover
1,843,410
2,385,012
1,877,954
1,611,483
279,243
495,020
747,584
804,676
154,017
7,263
8,828
34,395
12,879
40,451
Other Income Or Grants
Cost Of Sales
809,248
992,957
741,553
639,977
107,786
197,276
299,094
310,103
53,758
2,553
3,369
13,240
5,214
16,613
Gross Profit
1,034,162
1,392,055
1,136,401
971,505
171,457
297,745
448,490
494,574
100,260
4,711
5,459
21,155
7,665
23,838
Admin Expenses
1,767,842
907,079
803,008
911,690
145,952
340,433
456,911
440,394
91,005
-21,606
13,015
20,708
7,860
23,837
Operating Profit
-733,680
484,976
333,393
59,815
25,505
-42,688
-8,421
54,180
9,255
26,317
-7,556
447
-195
1
Interest Payable
16,242
23,255
20,187
10,065
Interest Receivable
15,544
22,301
3,789
213
12
58
170
60
12
17
38
29
Pre-Tax Profit
-734,378
484,022
316,995
49,963
25,517
-42,688
-8,421
54,238
9,425
26,376
-7,544
464
-157
30
Tax
-91,964
-60,229
-9,493
-4,848
-10,847
-1,885
-5,275
-107
-8
Profit After Tax
-734,378
392,058
256,766
40,470
20,669
-42,688
-8,421
43,390
7,540
21,101
-7,544
357
-157
22
Dividends Paid
Retained Profit
-734,378
392,058
256,766
40,470
20,669
-42,688
-8,421
43,390
7,540
21,101
-7,544
357
-157
22
Employee Costs
1,429,054
1,847,410
1,391,314
755,210
207,490
68,332
263,273
313,257
60,725
58,991
59,755
58,604
56,314
56,887
Number Of Employees
18
25
19
11
3
1
4
5
1
1
1
1
1
1
EBITDA*
-731,835
487,451
335,868
60,929
26,619
-42,688
-8,421
54,180
10,346
26,399
-7,446
593
1
* 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
Apr 2015
Apr 2014
Apr 2013
Apr 2012
Apr 2011
Tangible Assets
5,299
7,425
8,048
9,257
1,619
1,139
1,519
2,770
3,274
247
329
439
585
780
Intangible Assets
Investments & Other
Debtors (Due After 1 year)
Total Fixed Assets
5,299
7,425
8,048
9,257
1,619
1,139
1,519
2,770
3,274
247
329
439
585
780
Stock & work in progress
Trade Debtors
2,500
57
341
7
93,911
93,200
91,413
17,183
250
250
4,100
Group Debtors
14,188
517,143
37
Misc Debtors
48,754
32,445
66,277
35,226
42,997
7,653
10,026
Cash
151,449
440,710
608,753
401,668
24,789
46,185
21,999
1,883
2,813
3,862
11,522
misc current assets
total current assets
216,891
990,355
675,371
436,931
67,793
101,564
93,200
101,439
63,368
22,249
2,133
6,913
3,862
11,522
total assets
222,190
997,780
683,419
446,188
69,412
102,703
94,719
104,209
66,642
22,496
2,462
7,352
4,447
12,302
Bank overdraft
Bank loan
82,500
82,500
82,500
48,125
Trade Creditors
1,972
7,040
10,978
88
1,919
89,103
38,431
39,500
45,223
8,716
9,783
7,129
4,581
12,279
Group/Directors Accounts
6,127
other short term finances
hp & lease commitments
other current liabilities
48,982
79,928
71,511
33,600
33,124
total current liabilities
133,454
169,468
164,989
87,940
35,043
89,103
38,431
39,500
45,223
8,716
9,783
7,129
4,581
12,279
loans
20,625
103,125
185,625
281,875
hp & lease commitments
Accruals and Deferred Income
other liabilities
provisions
1,018
1,524
1,200
1,534
total long term liabilities
21,643
104,649
186,825
283,409
total liabilities
155,097
274,117
351,814
371,349
35,043
89,103
38,431
39,500
45,223
8,716
9,783
7,129
4,581
12,279
net assets
67,093
723,663
331,605
74,839
34,369
13,600
56,288
64,709
21,419
13,780
-7,321
223
-134
23
total shareholders funds
67,093
723,663
331,605
74,839
34,369
13,600
56,288
64,709
21,419
13,780
-7,321
223
-134
23
Mar 2024
Mar 2023
Mar 2022
Mar 2021
Mar 2020
Mar 2019
Mar 2018
Mar 2017
Mar 2016
Apr 2015
Apr 2014
Apr 2013
Apr 2012
Apr 2011
Operating Activities
Operating Profit
-733,680
484,976
333,393
59,815
25,505
-42,688
-8,421
54,180
9,255
26,317
-7,556
447
-195
1
Depreciation
1,845
2,475
2,475
1,114
1,114
1,091
82
110
146
195
Amortisation
Tax
-91,964
-60,229
-9,493
-4,848
-10,847
-1,885
-5,275
-107
-8
Stock
Debtors
-484,203
483,027
31,355
-7,741
-58,560
8,364
-8,239
84,256
16,933
-3,850
4,100
Creditors
-5,068
-3,938
10,890
-1,831
-87,184
50,672
-1,069
-5,723
36,507
-1,067
2,654
2,548
-7,698
12,279
Accruals and Deferred Income
-30,946
8,417
37,911
476
33,124
Deferred Taxes & Provisions
-506
324
-334
1,534
Cash flow from operations
-284,152
-82,737
292,751
59,356
26,271
-380
-1,251
-46,646
28,035
20,057
-942
-1,066
-7,698
12,272
Investing Activities
capital expenditure
281
-1,852
-1,266
-8,752
-1,594
380
1,251
504
-4,118
-780
Change in Investments
cash flow from investments
281
-1,852
-1,266
-8,752
-1,594
380
1,251
504
-4,118
-780
Financing Activities
Bank loans
34,375
48,125
Group/Directors Accounts
-6,127
6,127
Other Short Term Loans
Long term loans
-82,500
-82,500
-96,250
281,875
Hire Purchase and Lease Commitments
other long term liabilities
share issue
77,808
100
-100
99
1
interest
-698
-954
-16,398
-9,852
12
58
170
60
12
17
38
29
cash flow from financing
-5,390
-83,454
-84,400
326,275
112
-42
269
60
12
17
38
30
cash and cash equivalents
cash
-289,261
-168,043
207,085
376,879
24,789
-46,185
24,186
20,116
-930
-1,049
-7,660
11,522
overdraft
change in cash
-289,261
-168,043
207,085
376,879
24,789
-46,185
24,186
20,116
-930
-1,049
-7,660
11,522
mortgage decisions 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 mortgage decisions limited. Get real-time insights into mortgage decisions limited's credit score, group structure and payment trends.
Perform a competitor analysis for mortgage decisions limited by selecting its closest rivals, whether from the FINANCIAL AND INSURANCE ACTIVITIES sector, other small companies, companies in SO53 area or any other competitors across 12 key performance metrics.
mortgage decisions limited Ownership
MORTGAGE DECISIONS LIMITED group structure
Mortgage Decisions Limited has 1 subsidiary company.
The largest shareholders in Mortgage Decisions Limited include Gerard Price and Robert Mott.
gerard price
46.7%
robert mott
46.16%
philippa mott
7.14%
mortgage decisions limited directors
Mortgage Decisions Limited currently has 2 directors.
The longest serving directors include
Mr Robert Mott (Aug 2015) and
Mrs Christie West (May 2024).
trinity house winchester road, chandler's ford, eastleigh, SO53 2DR
Bank
-
Legal Advisor
-
mortgage decisions 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 found 1 charges/mortgages relating to mortgage decisions limited. Currently there are 0 open charges and 1 have been satisfied in the past.
mortgage decisions 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.
Click to start generating capital raising & share issue transactions for MORTGAGE DECISIONS LIMITED. This can take several minutes, an email will notify you when this has completed.
mortgage decisions limitedCompanies House Filings - See Documents
