Pomanda estimates the enterprise value of INDEPENDENT MORTGAGE GUY LTD at £32.1k based on a Turnover of £42.1k and 0.76x industry multiple (adjusted for size and gross margin).
independent mortgage guy ltdEstimated Valuation
£0
Pomanda estimates the enterprise value of INDEPENDENT MORTGAGE GUY LTD at £0 based on an EBITDA of £-14 and a 3.8x industry multiple (adjusted for size and gross margin).
independent mortgage guy ltdEstimated Valuation
£107
Pomanda estimates the enterprise value of INDEPENDENT MORTGAGE GUY LTD at £107 based on Net Assets of £39 and 2.75x industry multiple (adjusted for liquidity).
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Independent Mortgage Guy LtdOverview
Independent Mortgage Guy Ltd is a live company located in bristol, BS48 4YS with a Companies House number of 10962572. It operates in the activities of mortgage finance companies sector, SIC Code 64922. Founded in September 2017, it's largest shareholder is
guy williams
with a 100% stake. Independent Mortgage Guy Ltd is a young,
micro sized company, Pomanda has estimated its turnover at
£42.1k with
declining
growth in recent years.
Pomanda's financial health check has awarded Independent Mortgage Guy Ltd a 1 rating. We use a traffic light system to show it exceeds the industry average on 1 measures and has 8 areas for improvement. Company Health Check FAQs
Health Rating1out of 5
1 Strong
1 Regular
8 Weak
Size
annual sales of £42.1k, make it smaller than the average company (£4m)
£42.1k - Independent Mortgage Guy Ltd
£4m - Industry AVG
Growth
3 year (CAGR) sales growth of -3%, show it is growing at a slower rate (6.1%)
-3% - Independent Mortgage Guy Ltd
6.1% - Industry AVG
Production
with a gross margin of 34.8%, this company has a higher cost of product (66.8%)
34.8% - Independent Mortgage Guy Ltd
66.8% - Industry AVG
Profitability
an operating margin of 0% make it less profitable than the average company (17.5%)
0% - Independent Mortgage Guy Ltd
17.5% - Industry AVG
Employees
with 1 employees, this is below the industry average (14)
1 - Independent Mortgage Guy Ltd
14 - Industry AVG
Pay Structure
on an average salary of £49.1k, the company has an equivalent pay structure (£49.1k)
£49.1k - Independent Mortgage Guy Ltd
£49.1k - Industry AVG
Efficiency
resulting in sales per employee of £42.1k, this is less efficient (£135.8k)
£42.1k - Independent Mortgage Guy Ltd
£135.8k - Industry AVG
Debtor Days
it gets paid by customers after 59 days, this is later than average (46 days)
59 days - Independent Mortgage Guy Ltd
46 days - Industry AVG
Creditor Days
its suppliers are paid after 100 days, this is slower than average (57 days)
100 days - Independent Mortgage Guy Ltd
57 days - Industry AVG
Stock Days
There is insufficient data available for this Key Performance Indicator!
- - Independent Mortgage Guy Ltd
- - Industry AVG
Cash Balance
There is insufficient data available for this Key Performance Indicator!
- - Independent Mortgage Guy Ltd
- - Industry AVG
Debt Level
it has a ratio of liabilities to total assets of 99.5%, this is a higher level of debt than the average (76.5%)
99.5% - Independent Mortgage Guy Ltd
76.5% - Industry AVG
INDEPENDENT MORTGAGE GUY LTD financials
EXPORT
Independent Mortgage Guy Ltd's latest turnover from September 2023 is estimated at £42.1 thousand and the company has net assets of £39. According to their latest financial statements, Independent Mortgage Guy Ltd has 1 employee and maintains cash reserves of 0 as reported in the balance sheet.
Data source:Companies House, Pomanda Estimates
Sep 2023
Sep 2022
Sep 2021
Sep 2020
Sep 2019
Sep 2018
Turnover
42,069
41,927
41,199
46,549
49,519
43,222
Other Income Or Grants
Cost Of Sales
27,443
25,209
24,746
27,924
29,685
24,179
Gross Profit
14,626
16,718
16,453
18,625
19,835
19,043
Admin Expenses
14,640
16,856
27,082
16,760
9,770
17,616
Operating Profit
-14
-138
-10,629
1,865
10,065
1,427
Interest Payable
Interest Receivable
Pre-Tax Profit
-14
-138
-10,629
1,865
10,065
1,427
Tax
-354
-1,912
-271
Profit After Tax
-14
-138
-10,629
1,511
8,153
1,156
Dividends Paid
Retained Profit
-14
-138
-10,629
1,511
8,153
1,156
Employee Costs
49,069
53,231
46,082
50,599
46,673
46,850
Number Of Employees
1
1
1
1
1
1
EBITDA*
-14
-138
-10,629
1,865
10,065
1,427
* Earnings Before Interest, Tax, Depreciation and Amortisation
Sep 2023
Sep 2022
Sep 2021
Sep 2020
Sep 2019
Sep 2018
Tangible Assets
659
331
663
1,229
468
702
Intangible Assets
Investments & Other
Debtors (Due After 1 year)
Total Fixed Assets
659
331
663
1,229
468
702
Stock & work in progress
Trade Debtors
6,910
10,456
14,059
20,132
20,250
20,667
Group Debtors
Misc Debtors
Cash
misc current assets
total current assets
6,910
10,456
14,059
20,132
20,250
20,667
total assets
7,569
10,787
14,722
21,361
20,718
21,369
Bank overdraft
Bank loan
Trade Creditors
7,530
10,734
14,531
10,541
11,409
20,213
Group/Directors Accounts
other short term finances
hp & lease commitments
other current liabilities
total current liabilities
7,530
10,734
14,531
10,541
11,409
20,213
loans
hp & lease commitments
Accruals and Deferred Income
other liabilities
provisions
total long term liabilities
total liabilities
7,530
10,734
14,531
10,541
11,409
20,213
net assets
39
53
191
10,820
9,309
1,156
total shareholders funds
39
53
191
10,820
9,309
1,156
Sep 2023
Sep 2022
Sep 2021
Sep 2020
Sep 2019
Sep 2018
Operating Activities
Operating Profit
-14
-138
-10,629
1,865
10,065
1,427
Depreciation
Amortisation
Tax
-354
-1,912
-271
Stock
Debtors
-3,546
-3,603
-6,073
-118
-417
20,667
Creditors
-3,204
-3,797
3,990
-868
-8,804
20,213
Accruals and Deferred Income
Deferred Taxes & Provisions
Cash flow from operations
328
-332
-566
761
-234
702
Investing Activities
capital expenditure
-328
332
566
-761
234
-702
Change in Investments
cash flow from investments
-328
332
566
-761
234
-702
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
overdraft
change in cash
independent mortgage guy ltd 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 independent mortgage guy ltd. Get real-time insights into independent mortgage guy ltd's credit score, group structure and payment trends.
Perform a competitor analysis for independent mortgage guy ltd by selecting its closest rivals, whether from the FINANCIAL AND INSURANCE ACTIVITIES sector, other micro companies, companies in BS48 area or any other competitors across 12 key performance metrics.
independent mortgage guy ltd Ownership
INDEPENDENT MORTGAGE GUY LTD group structure
Independent Mortgage Guy Ltd has no subsidiary companies.
Ultimate parent company
INDEPENDENT MORTGAGE GUY LTD
10962572
INDEPENDENT MORTGAGE GUY LTD Shareholders
The sole shareholder of Independent Mortgage Guy Ltd is Guy Williams.
guy williams
100%
independent mortgage guy ltd directors
Independent Mortgage Guy Ltd currently has 1 director, Mr Guy Williams serving since Sep 2017.
66220 - Activities of insurance agents and brokers
64922 - Activities of mortgage finance companies
incorporation date
September 2017
age
8
incorporated
UK
ultimate parent company
None
accounts
Micro-Entity Accounts
last accounts submitted
September 2023
previous names
N/A
accountant
-
auditor
-
address
29 white oak way, nailsea, bristol, BS48 4YS
Bank
-
Legal Advisor
-
independent mortgage guy ltd 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 independent mortgage guy ltd.
independent mortgage guy ltd 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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independent mortgage guy ltdCompanies House Filings - See Documents
