your mortgage expert limited
your mortgage expert limited Company Information
Company Number
08924507
Registered Address
18 new canal, salisbury, SP1 2AQ
Industry
Other financial service activities, except insurance and pension funding, (not including security dealing on own account and factoring) n.e.c.
Telephone
01722322683
Next Accounts Due
January 2025
Group Structure
View All
Shareholders
abigail nanson 50%
adam nanson 50%
your mortgage expert limited Estimated Valuation
Pomanda estimates the enterprise value of YOUR MORTGAGE EXPERT LIMITED at £1.9m based on a Turnover of £1.3m and 1.49x industry multiple (adjusted for size and gross margin).
your mortgage expert limited Estimated Valuation
Pomanda estimates the enterprise value of YOUR MORTGAGE EXPERT LIMITED at £35.9k based on an EBITDA of £6.1k and a 5.9x industry multiple (adjusted for size and gross margin).
your mortgage expert limited Estimated Valuation
Pomanda estimates the enterprise value of YOUR MORTGAGE EXPERT LIMITED at £721 based on Net Assets of £1.1k and 0.68x industry multiple (adjusted for liquidity).
Edit your figures and get a professional valuation report.
Your Mortgage Expert Limited Overview
Your Mortgage Expert Limited is a live company located in salisbury, SP1 2AQ with a Companies House number of 08924507. It operates in the financial intermediation not elsewhere classified sector, SIC Code 64999. Founded in March 2014, it's largest shareholder is abigail nanson with a 50% stake. Your Mortgage Expert Limited is a established, small sized company, Pomanda has estimated its turnover at £1.3m with high growth in recent years.
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Your Mortgage Expert Limited Health Check
Pomanda's financial health check has awarded Your Mortgage Expert Limited a 1.5 rating. We use a traffic light system to show it exceeds the industry average on 1 measures and has 6 areas for improvement. Company Health Check FAQs
1 Strong
3 Regular
6 Weak
Size
annual sales of £1.3m, make it smaller than the average company (£4.3m)
- Your Mortgage Expert Limited
£4.3m - Industry AVG
Growth
3 year (CAGR) sales growth of 22%, show it is growing at a faster rate (4%)
- Your Mortgage Expert Limited
4% - Industry AVG
Production
with a gross margin of 59.8%, this company has a comparable cost of product (59.8%)
- Your Mortgage Expert Limited
59.8% - Industry AVG
Profitability
an operating margin of 0.3% make it less profitable than the average company (10.8%)
- Your Mortgage Expert Limited
10.8% - Industry AVG
Employees
with 8 employees, this is below the industry average (13)
8 - Your Mortgage Expert Limited
13 - Industry AVG
Pay Structure
on an average salary of £73.3k, the company has an equivalent pay structure (£73.3k)
- Your Mortgage Expert Limited
£73.3k - Industry AVG
Efficiency
resulting in sales per employee of £162.8k, this is less efficient (£206.8k)
- Your Mortgage Expert Limited
£206.8k - Industry AVG
Debtor Days
There is insufficient data available for this Key Performance Indicator!
- Your Mortgage Expert Limited
- - Industry AVG
Creditor Days
its suppliers are paid after 12 days, this is quicker than average (38 days)
- Your Mortgage Expert Limited
38 days - Industry AVG
Stock Days
There is insufficient data available for this Key Performance Indicator!
- Your Mortgage Expert Limited
- - Industry AVG
Cash Balance
has cash to cover current liabilities for 38 weeks, this is average cash available to meet short term requirements (38 weeks)
38 weeks - Your Mortgage Expert Limited
38 weeks - Industry AVG
Debt Level
it has a ratio of liabilities to total assets of 98.9%, this is a higher level of debt than the average (57.6%)
98.9% - Your Mortgage Expert Limited
57.6% - Industry AVG
YOUR MORTGAGE EXPERT LIMITED financials
Your Mortgage Expert Limited's latest turnover from April 2023 is estimated at £1.3 million and the company has net assets of £1.1 thousand. According to their latest financial statements, Your Mortgage Expert Limited has 8 employees and maintains cash reserves of £53.2 thousand as reported in the balance sheet.
Data source: Companies House, Pomanda Estimates
| Apr 2023 | Mar 2022 | Mar 2021 | Mar 2020 | Mar 2019 | Mar 2018 | Mar 2017 | Mar 2016 | Mar 2015 | |
|---|---|---|---|---|---|---|---|---|---|
| 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 | 8 | 8 | 8 | 6 | 6 | 5 | 4 | ||
| EBITDA* |
* Earnings Before Interest, Tax, Depreciation and Amortisation
| Apr 2023 | Mar 2022 | Mar 2021 | Mar 2020 | Mar 2019 | Mar 2018 | Mar 2017 | Mar 2016 | Mar 2015 | |
|---|---|---|---|---|---|---|---|---|---|
| Tangible Assets | 1,376 | 2,486 | 18,939 | 22,576 | 29,595 | 3,167 | 4,306 | 740 | 0 |
| Intangible Assets | 2,200 | 3,300 | 4,400 | 5,500 | 6,600 | 7,700 | 8,800 | 9,900 | 0 |
| Investments & Other | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 |
| Debtors (Due After 1 year) | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 |
| Total Fixed Assets | 3,576 | 5,786 | 23,339 | 28,076 | 36,195 | 10,867 | 13,106 | 10,640 | 0 |
| Stock & work in progress | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 |
| Trade Debtors | 0 | 39,374 | 20,733 | 33,142 | 2,906 | 3,062 | 645 | 1,495 | 50 |
| Group Debtors | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 |
| Misc Debtors | 36,302 | 22,629 | 4,392 | 8,561 | 26,453 | 0 | 0 | 0 | 0 |
| Cash | 53,156 | 1 | 44,354 | 40 | 755 | 19,816 | 40 | 1,942 | 8 |
| misc current assets | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 |
| total current assets | 89,458 | 62,004 | 69,479 | 41,743 | 30,114 | 23,878 | 685 | 3,437 | 58 |
| total assets | 93,034 | 67,790 | 92,818 | 69,819 | 66,309 | 34,745 | 13,791 | 14,077 | 58 |
| Bank overdraft | 10,000 | 15,750 | 8,432 | 5,630 | 3,656 | 0 | 0 | 0 | 0 |
| Bank loan | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 |
| Trade Creditors | 17,544 | 0 | 1,194 | 480 | 0 | 0 | 12,737 | 13,818 | 8 |
| Group/Directors Accounts | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 |
| other short term finances | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 |
| hp & lease commitments | 0 | 0 | 4,680 | 4,680 | 4,680 | 0 | 0 | 0 | 0 |
| other current liabilities | 43,588 | 19,605 | 20,025 | 26,585 | 16,984 | 0 | 0 | 0 | 0 |
| total current liabilities | 71,132 | 35,355 | 34,331 | 37,375 | 25,320 | 31,812 | 12,737 | 13,818 | 8 |
| loans | 20,833 | 31,667 | 41,568 | 11,916 | 15,751 | 0 | 0 | 0 | 0 |
| hp & lease commitments | 0 | 0 | 16,777 | 20,419 | 25,099 | 0 | 0 | 0 | 0 |
| Accruals and Deferred Income | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 |
| other liabilities | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 |
| provisions | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 |
| total long term liabilities | 20,833 | 31,667 | 58,345 | 32,335 | 40,850 | 0 | 0 | 0 | 0 |
| total liabilities | 91,965 | 67,022 | 92,676 | 69,710 | 66,170 | 31,812 | 12,737 | 13,818 | 8 |
| net assets | 1,069 | 768 | 142 | 109 | 139 | 2,933 | 1,054 | 259 | 50 |
| total shareholders funds | 1,069 | 768 | 142 | 109 | 139 | 2,933 | 1,054 | 259 | 50 |
| Apr 2023 | Mar 2022 | Mar 2021 | Mar 2020 | Mar 2019 | Mar 2018 | Mar 2017 | Mar 2016 | Mar 2015 | |
|---|---|---|---|---|---|---|---|---|---|
| Operating Activities | |||||||||
| Operating Profit | |||||||||
| Depreciation | 1,706 | 1,565 | 6,961 | 7,754 | 11,245 | 2,053 | 1,830 | 276 | 0 |
| Amortisation | 1,100 | 1,100 | 1,100 | 1,100 | 1,100 | 1,100 | 1,100 | 1,100 | 0 |
| Tax | |||||||||
| Stock | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 |
| Debtors | -25,701 | 36,878 | -16,578 | 12,344 | 25,297 | 3,417 | -850 | 1,445 | 50 |
| Creditors | 17,544 | -1,194 | 714 | 480 | 0 | -12,737 | -1,081 | 13,810 | 8 |
| Accruals and Deferred Income | 23,983 | -420 | -6,560 | 9,601 | 16,984 | 0 | 0 | 0 | 0 |
| Deferred Taxes & Provisions | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 |
| Cash flow from operations | |||||||||
| Investing Activities | |||||||||
| capital expenditure | |||||||||
| Change in Investments | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 |
| cash flow from investments | |||||||||
| Financing Activities | |||||||||
| Bank loans | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 |
| Group/Directors Accounts | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 |
| Other Short Term Loans | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 |
| Long term loans | -10,834 | -9,901 | 29,652 | -3,835 | 15,751 | 0 | 0 | 0 | 0 |
| Hire Purchase and Lease Commitments | 0 | -21,457 | -3,642 | -4,680 | 29,779 | 0 | 0 | 0 | 0 |
| other long term liabilities | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 |
| share issue | |||||||||
| interest | |||||||||
| cash flow from financing | |||||||||
| cash and cash equivalents | |||||||||
| cash | 53,155 | -44,353 | 44,314 | -715 | -19,061 | 19,776 | -1,902 | 1,934 | 8 |
| overdraft | -5,750 | 7,318 | 2,802 | 1,974 | 3,656 | 0 | 0 | 0 | 0 |
| change in cash | 58,905 | -51,671 | 41,512 | -2,689 | -22,717 | 19,776 | -1,902 | 1,934 | 8 |
your mortgage expert limited Credit Report and Business Information
Your Mortgage Expert Limited Competitor Analysis
Perform a competitor analysis for your mortgage expert limited by selecting its closest rivals, whether from the FINANCIAL AND INSURANCE ACTIVITIES sector, other small companies, companies in SP1 area or any other competitors across 12 key performance metrics.
your mortgage expert limited Ownership
YOUR MORTGAGE EXPERT LIMITED group structure
Your Mortgage Expert Limited has no subsidiary companies.
Ultimate parent company
YOUR MORTGAGE EXPERT LIMITED
08924507
your mortgage expert limited directors
Your Mortgage Expert Limited currently has 2 directors. The longest serving directors include Mr Adam Nanson (Mar 2014) and Mrs Abigail Nanson (Jul 2015).
| officer | country | age | start | end | role |
|---|---|---|---|---|---|
| Mr Adam Nanson | England | 44 years | Mar 2014 | - | Director |
| Mrs Abigail Nanson | England | 46 years | Jul 2015 | - | Director |
P&L
April 2023turnover
1.3m
+17%
operating profit
3.3k
0%
gross margin
59.9%
-7.27%
turnover
Turnover, or revenue, is the amount of sales generated by a company within the financial year.
Balance Sheet
April 2023net assets
1.1k
+0.39%
total assets
93k
+0.37%
cash
53.2k
+53155%
net assets
Total assets minus all liabilities
Similar Companies
your mortgage expert limited company details
company number
08924507
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
March 2014
age
10
incorporated
UK
accounts
Total Exemption Full
ultimate parent company
previous names
N/A
last accounts submitted
April 2023
address
18 new canal, salisbury, SP1 2AQ
accountant
FAWCETTS LLP
auditor
-
your mortgage expert 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 your mortgage expert limited.
your mortgage expert limited Companies House Filings - See Documents
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