raw mortgages limited
raw mortgages limited Company Information
Company Number
08610902
Next Accounts
Apr 2026
Shareholders
richard anthony williams
sian marie proctor
Group Structure
View All
Industry
Credit granting by non-deposit taking finance houses and other specialist consumer credit grantors
Registered Address
26 palace view, bromley, BR1 3EL
Website
-raw mortgages limited Estimated Valuation
Pomanda estimates the enterprise value of RAW MORTGAGES LIMITED at £256.4k based on a Turnover of £311.1k and 0.82x industry multiple (adjusted for size and gross margin).
raw mortgages limited Estimated Valuation
Pomanda estimates the enterprise value of RAW MORTGAGES LIMITED at £0 based on an EBITDA of £-128 and a 3x industry multiple (adjusted for size and gross margin).
raw mortgages limited Estimated Valuation
Pomanda estimates the enterprise value of RAW MORTGAGES LIMITED at £1.4k based on Net Assets of £585 and 2.41x industry multiple (adjusted for liquidity).
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Raw Mortgages Limited Overview
Raw Mortgages Limited is a live company located in bromley, BR1 3EL with a Companies House number of 08610902. It operates in the credit granting by non-deposit taking finance houses and other specialist consumer credit grantors sector, SIC Code 64921. Founded in July 2013, it's largest shareholder is richard anthony williams with a 50% stake. Raw Mortgages Limited is a established, micro sized company, Pomanda has estimated its turnover at £311.1k with declining growth in recent years.
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Raw Mortgages Limited Health Check
Pomanda's financial health check has awarded Raw Mortgages Limited a 3 rating. We use a traffic light system to show it exceeds the industry average on 2 measures and has 5 areas for improvement. Company Health Check FAQs
2 Strong
3 Regular
5 Weak
Size
annual sales of £311.1k, make it smaller than the average company (£21m)
- Raw Mortgages Limited
£21m - Industry AVG
Growth
3 year (CAGR) sales growth of -7%, show it is growing at a slower rate (22%)
- Raw Mortgages Limited
22% - Industry AVG
Production
with a gross margin of 15.7%, this company has a comparable cost of product (15.7%)
- Raw Mortgages Limited
15.7% - Industry AVG
Profitability
an operating margin of 0% make it less profitable than the average company (8.3%)
- Raw Mortgages Limited
8.3% - Industry AVG
Employees
with 1 employees, this is below the industry average (12)
1 - Raw Mortgages Limited
12 - Industry AVG
Pay Structure
on an average salary of £66.5k, the company has an equivalent pay structure (£66.5k)
- Raw Mortgages Limited
£66.5k - Industry AVG
Efficiency
resulting in sales per employee of £311.1k, this is less efficient (£446k)
- Raw Mortgages Limited
£446k - Industry AVG
Debtor Days
it gets paid by customers after 8 days, this is earlier than average (52 days)
- Raw Mortgages Limited
52 days - Industry AVG
Creditor Days
There is insufficient data available for this Key Performance Indicator!
- Raw Mortgages Limited
- - Industry AVG
Stock Days
There is insufficient data available for this Key Performance Indicator!
- Raw Mortgages Limited
- - Industry AVG
Cash Balance
has cash to cover current liabilities for 39 weeks, this is more cash available to meet short term requirements (5 weeks)
39 weeks - Raw Mortgages Limited
5 weeks - Industry AVG
Debt Level
it has a ratio of liabilities to total assets of 97.9%, this is a similar level of debt than the average (100%)
97.9% - Raw Mortgages Limited
100% - Industry AVG
RAW MORTGAGES LIMITED financials
Raw Mortgages Limited's latest turnover from July 2024 is estimated at £311.1 thousand and the company has net assets of £585. According to their latest financial statements, Raw Mortgages Limited has 1 employee and maintains cash reserves of £20.9 thousand as reported in the balance sheet.
Data source: Companies House, Pomanda Estimates
| Jul 2024 | Jul 2023 | Jul 2022 | Jul 2021 | Jul 2020 | Jul 2019 | Jul 2018 | Jul 2017 | Jul 2016 | Jul 2015 | Jul 2014 | |
|---|---|---|---|---|---|---|---|---|---|---|---|
| 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 | 1 | 1 | 2 | 2 | 2 | 2 | 2 | 1 | |||
| EBITDA* |
* Earnings Before Interest, Tax, Depreciation and Amortisation
| Jul 2024 | Jul 2023 | Jul 2022 | Jul 2021 | Jul 2020 | Jul 2019 | Jul 2018 | Jul 2017 | Jul 2016 | Jul 2015 | Jul 2014 | |
|---|---|---|---|---|---|---|---|---|---|---|---|
| Tangible Assets | |||||||||||
| Intangible Assets | |||||||||||
| Investments & Other | |||||||||||
| Debtors (Due After 1 year) | |||||||||||
| Total Fixed Assets | |||||||||||
| Stock & work in progress | |||||||||||
| Trade Debtors | 6,963 | 8,179 | 11,602 | 23,457 | 14,587 | 9,352 | 11,999 | 10,146 | 9,012 | ||
| Group Debtors | |||||||||||
| Misc Debtors | 8,596 | 3,689 | 1,467 | 8,287 | 2,223 | ||||||
| Cash | 20,909 | 8,557 | 16,084 | 16,333 | 11,488 | 8,631 | 2,220 | 4,676 | 27,284 | 8,849 | 16,234 |
| misc current assets | |||||||||||
| total current assets | 27,872 | 25,332 | 27,686 | 43,479 | 26,075 | 19,450 | 22,506 | 17,045 | 36,296 | 8,849 | 16,234 |
| total assets | 27,872 | 25,332 | 27,686 | 43,479 | 26,075 | 19,450 | 22,506 | 17,045 | 36,296 | 8,849 | 16,234 |
| Bank overdraft | |||||||||||
| Bank loan | |||||||||||
| Trade Creditors | 10,924 | 15,394 | |||||||||
| Group/Directors Accounts | |||||||||||
| other short term finances | |||||||||||
| hp & lease commitments | |||||||||||
| other current liabilities | 27,287 | 25,231 | 25,282 | 22,401 | 19,157 | 18,331 | 22,354 | 17,688 | 19,147 | ||
| total current liabilities | 27,287 | 25,231 | 25,282 | 22,401 | 19,157 | 18,331 | 22,354 | 17,688 | 19,147 | 10,924 | 15,394 |
| loans | |||||||||||
| hp & lease commitments | |||||||||||
| Accruals and Deferred Income | |||||||||||
| other liabilities | |||||||||||
| provisions | |||||||||||
| total long term liabilities | |||||||||||
| total liabilities | 27,287 | 25,231 | 25,282 | 22,401 | 19,157 | 18,331 | 22,354 | 17,688 | 19,147 | 10,924 | 15,394 |
| net assets | 585 | 101 | 2,404 | 21,078 | 6,918 | 1,119 | 152 | -643 | 17,149 | -2,075 | 840 |
| total shareholders funds | 585 | 101 | 2,404 | 21,078 | 6,918 | 1,119 | 152 | -643 | 17,149 | -2,075 | 840 |
| Jul 2024 | Jul 2023 | Jul 2022 | Jul 2021 | Jul 2020 | Jul 2019 | Jul 2018 | Jul 2017 | Jul 2016 | Jul 2015 | Jul 2014 | |
|---|---|---|---|---|---|---|---|---|---|---|---|
| Operating Activities | |||||||||||
| Operating Profit | |||||||||||
| Depreciation | |||||||||||
| Amortisation | |||||||||||
| Tax | |||||||||||
| Stock | |||||||||||
| Debtors | -9,812 | 5,173 | -15,544 | 12,559 | 3,768 | -9,467 | 7,917 | 3,357 | 9,012 | ||
| Creditors | -10,924 | -4,470 | 15,394 | ||||||||
| Accruals and Deferred Income | 2,056 | -51 | 2,881 | 3,244 | 826 | -4,023 | 4,666 | -1,459 | 19,147 | ||
| Deferred Taxes & Provisions | |||||||||||
| 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 | 12,352 | -7,527 | -249 | 4,845 | 2,857 | 6,411 | -2,456 | -22,608 | 18,435 | -7,385 | 16,234 |
| overdraft | |||||||||||
| change in cash | 12,352 | -7,527 | -249 | 4,845 | 2,857 | 6,411 | -2,456 | -22,608 | 18,435 | -7,385 | 16,234 |
raw mortgages limited Credit Report and Business Information
Raw Mortgages Limited Competitor Analysis
Perform a competitor analysis for raw mortgages limited by selecting its closest rivals, whether from the FINANCIAL AND INSURANCE ACTIVITIES sector, other micro companies, companies in BR1 area or any other competitors across 12 key performance metrics.
raw mortgages limited Ownership
RAW MORTGAGES LIMITED group structure
Raw Mortgages Limited has no subsidiary companies.
Ultimate parent company
RAW MORTGAGES LIMITED
08610902
raw mortgages limited directors
Raw Mortgages Limited currently has 2 directors. The longest serving directors include Mr Richard Williams (Jul 2013) and Ms Sian Proctor (Sep 2017).
| officer | country | age | start | end | role |
|---|---|---|---|---|---|
| Mr Richard Williams | England | 50 years | Jul 2013 | - | Director |
| Ms Sian Proctor | England | 51 years | Sep 2017 | - | Director |
P&L
July 2024turnover
311.1k
+24%
operating profit
-128.2
0%
gross margin
15.7%
-16.66%
turnover
Turnover, or revenue, is the amount of sales generated by a company within the financial year.
Balance Sheet
July 2024net assets
585
+4.79%
total assets
27.9k
+0.1%
cash
20.9k
+1.44%
net assets
Total assets minus all liabilities
Similar Companies
raw mortgages limited company details
company number
08610902
Type
Private limited with Share Capital
industry
64921 - Credit granting by non-deposit taking finance houses and other specialist consumer credit grantors
incorporation date
July 2013
age
12
incorporated
UK
ultimate parent company
accounts
Total Exemption Full
last accounts submitted
July 2024
previous names
N/A
accountant
IGD ACCOUNTING SERVICES LIMITED
auditor
-
address
26 palace view, bromley, BR1 3EL
Bank
-
Legal Advisor
-
raw 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 raw mortgages limited.
raw 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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raw mortgages limited Companies House Filings - See Documents
| date | description | view/download |
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