mortgage & lending solutions (uk) limited

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mortgage & lending solutions (uk) limited Company Information

Share MORTGAGE & LENDING SOLUTIONS (UK) LIMITED

Company Number

08920730

Directors

Paul Blake

Shareholders

paul anthony blake

marta maillo

Group Structure

View All

Industry

Activities of mortgage finance companies

 

Registered Address

c/o kingsley mayrbook ltd, unitec house, london, N3 1QB

mortgage & lending solutions (uk) limited Estimated Valuation

£1.1m

Pomanda estimates the enterprise value of MORTGAGE & LENDING SOLUTIONS (UK) LIMITED at £1.1m based on a Turnover of £726.2k and 1.53x industry multiple (adjusted for size and gross margin).

mortgage & lending solutions (uk) limited Estimated Valuation

£0

Pomanda estimates the enterprise value of MORTGAGE & LENDING SOLUTIONS (UK) LIMITED at £0 based on an EBITDA of £-15.9k and a 6.45x industry multiple (adjusted for size and gross margin).

mortgage & lending solutions (uk) limited Estimated Valuation

£87.4k

Pomanda estimates the enterprise value of MORTGAGE & LENDING SOLUTIONS (UK) LIMITED at £87.4k based on Net Assets of £24.3k and 3.6x industry multiple (adjusted for liquidity).

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Mortgage & Lending Solutions (uk) Limited Overview

Mortgage & Lending Solutions (uk) Limited is a live company located in london, N3 1QB with a Companies House number of 08920730. It operates in the activities of mortgage finance companies sector, SIC Code 64922. Founded in March 2014, it's largest shareholder is paul anthony blake with a 67% stake. Mortgage & Lending Solutions (uk) Limited is a established, small sized company, Pomanda has estimated its turnover at £726.2k with rapid growth in recent years.

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Mortgage & Lending Solutions (uk) Limited Health Check

Pomanda's financial health check has awarded Mortgage & Lending Solutions (Uk) Limited a 4 rating. We use a traffic light system to show it exceeds the industry average on 3 measures and has 3 areas for improvement. Company Health Check FAQs

Health Check Image
Health Rating4out of 5
positive_score

3 Strong

positive_score

3 Regular

positive_score

3 Weak

size

Size

annual sales of £726.2k, make it smaller than the average company (£6.1m)

£726.2k - Mortgage & Lending Solutions (uk) Limited

£6.1m - Industry AVG

growth

Growth

3 year (CAGR) sales growth of 65%, show it is growing at a faster rate (8.8%)

65% - Mortgage & Lending Solutions (uk) Limited

8.8% - Industry AVG

production

Production

with a gross margin of 29.2%, this company has a comparable cost of product (29.2%)

29.2% - Mortgage & Lending Solutions (uk) Limited

29.2% - Industry AVG

profitability

Profitability

an operating margin of -2.3% make it less profitable than the average company (11.8%)

-2.3% - Mortgage & Lending Solutions (uk) Limited

11.8% - Industry AVG

employees

Employees

with 3 employees, this is below the industry average (5)

3 - Mortgage & Lending Solutions (uk) Limited

5 - Industry AVG

paystructure

Pay Structure

on an average salary of £53.7k, the company has an equivalent pay structure (£53.7k)

£53.7k - Mortgage & Lending Solutions (uk) Limited

£53.7k - Industry AVG

efficiency

Efficiency

resulting in sales per employee of £242.1k, this is equally as efficient (£242.1k)

£242.1k - Mortgage & Lending Solutions (uk) Limited

£242.1k - Industry AVG

debtordays

Debtor Days

There is insufficient data available for this Key Performance Indicator!

- - Mortgage & Lending Solutions (uk) Limited

- - Industry AVG

creditordays

Creditor Days

There is insufficient data available for this Key Performance Indicator!

- - Mortgage & Lending Solutions (uk) Limited

- - Industry AVG

stockdays

Stock Days

There is insufficient data available for this Key Performance Indicator!

- - Mortgage & Lending Solutions (uk) Limited

- - Industry AVG

cashbalance

Cash Balance

has cash to cover current liabilities for 143 weeks, this is more cash available to meet short term requirements (20 weeks)

143 weeks - Mortgage & Lending Solutions (uk) Limited

20 weeks - Industry AVG

debtlevel

Debt Level

it has a ratio of liabilities to total assets of 49.6%, this is a lower level of debt than the average (93.9%)

49.6% - Mortgage & Lending Solutions (uk) Limited

93.9% - Industry AVG

MORTGAGE & LENDING SOLUTIONS (UK) LIMITED financials

EXPORTms excel logo

Mortgage & Lending Solutions (Uk) Limited's latest turnover from March 2024 is estimated at £726.2 thousand and the company has net assets of £24.3 thousand. According to their latest financial statements, Mortgage & Lending Solutions (Uk) Limited has 3 employees and maintains cash reserves of £47.5 thousand as reported in the balance sheet.

Data source: Companies HousePomanda Estimates

Mar 2024Mar 2023Mar 2022Mar 2021Mar 2020Mar 2019Mar 2018Mar 2017Mar 2016Mar 2015
Turnover726,228240,840316,821160,919166,787147,533167,43378,838235,51188,577
Other Income Or Grants
Cost Of Sales513,981165,431178,794106,69478,95568,20971,55926,43685,76931,816
Gross Profit212,24775,409138,02754,22687,83279,32395,87452,403149,74256,761
Admin Expenses228,89183,846102,72434,76679,29376,321113,037113,254103,02313,276
Operating Profit-16,644-8,43735,30319,4608,5393,002-17,163-60,85146,71943,485
Interest Payable1,6352,0121,594763
Interest Receivable3,1003,50156638178523130130
Pre-Tax Profit-15,179-6,94834,27418,7368,5563,086-17,140-60,85146,84943,615
Tax-6,512-3,560-1,626-586-9,370-9,159
Profit After Tax-15,179-6,94827,76215,1766,9302,500-17,140-60,85137,47934,456
Dividends Paid
Retained Profit-15,179-6,94827,76215,1766,9302,500-17,140-60,85137,47934,456
Employee Costs161,221104,77799,12746,00752,50046,75246,84452,02947,57842,500
Number Of Employees3221111111
EBITDA*-15,941-7,73335,93919,7278,6725,314-17,163-60,85146,71945,834

* Earnings Before Interest, Tax, Depreciation and Amortisation

Mar 2024Mar 2023Mar 2022Mar 2021Mar 2020Mar 2019Mar 2018Mar 2017Mar 2016Mar 2015
Tangible Assets7681,4711,3765382653984,5306,879508
Intangible Assets2,1808,720
Investments & Other
Debtors (Due After 1 year)
Total Fixed Assets7681,4711,3765382653982,1804,5306,8799,228
Stock & work in progress
Trade Debtors21,76489,067
Group Debtors
Misc Debtors
Cash47,45370,62694,12556,68819,85813,3389,23352,043
misc current assets1
total current assets47,45370,62694,12556,68819,85913,3389,23321,76489,06752,043
total assets48,22172,09795,50157,22620,12413,73611,41326,29495,94661,271
Bank overdraft5,3244,955
Bank loan
Trade Creditors 1115,21024,01126,715
Group/Directors Accounts
other short term finances
hp & lease commitments
other current liabilities11,88115,62126,84713,57616,65017,19117,369
total current liabilities17,20520,57726,84713,57616,65017,19217,36915,21024,01126,715
loans6,73112,05622,24225,000
hp & lease commitments
Accruals and Deferred Income
other liabilities
provisions
total long term liabilities6,73112,05622,24225,000
total liabilities23,93632,63349,08938,57616,65017,19217,36915,21024,01126,715
net assets24,28539,46446,41218,6503,474-3,456-5,95611,08471,93534,556
total shareholders funds24,28539,46446,41218,6503,474-3,456-5,95611,08471,93534,556
Mar 2024Mar 2023Mar 2022Mar 2021Mar 2020Mar 2019Mar 2018Mar 2017Mar 2016Mar 2015
Operating Activities
Operating Profit-16,644-8,43735,30319,4608,5393,002-17,163-60,85146,71943,485
Depreciation703704636267133132169
Amortisation2,1802,180
Tax-6,512-3,560-1,626-586-9,370-9,159
Stock
Debtors-21,764-67,30389,067
Creditors-11-11-15,210-8,801-2,70426,715
Accruals and Deferred Income-3,740-11,22613,271-3,074-541-17817,369
Deferred Taxes & Provisions
Cash flow from operations-19,682-18,95842,69813,0936,5044,5516,760-2,349-54,42263,390
Investing Activities
capital expenditure-799-1,474-540-5302,3502,3492,349-11,577
Change in Investments
cash flow from investments-799-1,474-540-5302,3502,3492,349-11,577
Financing Activities
Bank loans
Group/Directors Accounts
Other Short Term Loans
Long term loans-5,325-10,186-2,75825,000
Hire Purchase and Lease Commitments
other long term liabilities
share issue100-100100
interest1,4651,489-1,028-725178523130130
cash flow from financing-3,860-8,697-3,78624,275178512330230
cash and cash equivalents
cash-23,173-23,49937,43736,8306,5204,1059,233-52,04352,043
overdraft3694,955
change in cash-23,542-28,45437,43736,8306,5204,1059,233-52,04352,043

mortgage & lending solutions (uk) limited Credit Report and Business Information

Very Low Risk70 - 100
Low Risk50 - 70
Moderate Risk30 - 50
High Risk20 - 30
Very High Risk0 - 20
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Mortgage & Lending Solutions (uk) Limited Competitor Analysis

competitor_analysis_table_img

Perform a competitor analysis for mortgage & lending solutions (uk) limited by selecting its closest rivals, whether from the FINANCIAL AND INSURANCE ACTIVITIES sector, other small companies, companies in N 3 area or any other competitors across 12 key performance metrics.

mortgage & lending solutions (uk) limited Ownership

MORTGAGE & LENDING SOLUTIONS (UK) LIMITED group structure

Mortgage & Lending Solutions (Uk) Limited has no subsidiary companies.

Ultimate parent company

MORTGAGE & LENDING SOLUTIONS (UK) LIMITED

08920730

MORTGAGE & LENDING SOLUTIONS (UK) LIMITED Shareholders

paul anthony blake 67%
marta maillo 33%

mortgage & lending solutions (uk) limited directors

Mortgage & Lending Solutions (Uk) Limited currently has 1 director, Mr Paul Blake serving since Mar 2014.

officercountryagestartendrole
Mr Paul Blake56 years Mar 2014- Director

P&L

March 2024

turnover

726.2k

+202%

operating profit

-16.6k

0%

gross margin

29.3%

-6.66%

turnover

Turnover, or revenue, is the amount of sales generated by a company within the financial year.

Balance Sheet

March 2024

net assets

24.3k

-0.38%

total assets

48.2k

-0.33%

cash

47.5k

-0.33%

net assets

Total assets minus all liabilities

mortgage & lending solutions (uk) limited company details

company number

08920730

Type

Private limited with Share Capital

industry

64922 - Activities of mortgage finance companies

incorporation date

March 2014

age

11

incorporated

UK

ultimate parent company

None

accounts

Total Exemption Full

last accounts submitted

March 2024

previous names

mortgage & lending (uk) solutions limited (March 2014)

accountant

-

auditor

-

address

c/o kingsley mayrbook ltd, unitec house, london, N3 1QB

Bank

-

Legal Advisor

-

mortgage & lending solutions (uk) 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 mortgage & lending solutions (uk) limited.

mortgage & lending solutions (uk) 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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mortgage & lending solutions (uk) limited Companies House Filings - See Documents

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