jmt finance limited Company Information
Company Number
12286188
Next Accounts
Jul 2025
Shareholders
john ellison lund
terri louise lund
Group Structure
View All
Industry
Activities of mortgage finance companies
Registered Address
prospect court, 2 courthouse street, otley, west yorkshire, LS21 1AQ
Website
jmtfinance.comjmt finance limited Estimated Valuation
Pomanda estimates the enterprise value of JMT FINANCE LIMITED at £1.1m based on a Turnover of £406.7k and 2.72x industry multiple (adjusted for size and gross margin).
jmt finance limited Estimated Valuation
Pomanda estimates the enterprise value of JMT FINANCE LIMITED at £0 based on an EBITDA of £-168.9k and a 11.97x industry multiple (adjusted for size and gross margin).
jmt finance limited Estimated Valuation
Pomanda estimates the enterprise value of JMT FINANCE LIMITED at £37.4m based on Net Assets of £11.1m and 3.38x industry multiple (adjusted for liquidity).
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Jmt Finance Limited Overview
Jmt Finance Limited is a live company located in otley, LS21 1AQ with a Companies House number of 12286188. It operates in the activities of mortgage finance companies sector, SIC Code 64922. Founded in October 2019, it's largest shareholder is john ellison lund with a 80% stake. Jmt Finance Limited is a young, micro sized company, Pomanda has estimated its turnover at £406.7k with rapid growth in recent years.
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Jmt Finance Limited Health Check
Pomanda's financial health check has awarded Jmt Finance Limited a 3.5 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
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3 Strong
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2 Regular
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5 Weak
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Size
annual sales of £406.7k, make it smaller than the average company (£5.6m)
- Jmt Finance Limited
£5.6m - Industry AVG
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Growth
3 year (CAGR) sales growth of 37%, show it is growing at a faster rate (6.7%)
- Jmt Finance Limited
6.7% - Industry AVG
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Production
with a gross margin of 29%, this company has a comparable cost of product (29%)
- Jmt Finance Limited
29% - Industry AVG
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Profitability
an operating margin of -41.5% make it less profitable than the average company (16.1%)
- Jmt Finance Limited
16.1% - Industry AVG
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Employees
with 3 employees, this is below the industry average (12)
3 - Jmt Finance Limited
12 - Industry AVG
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Pay Structure
on an average salary of £49.4k, the company has an equivalent pay structure (£49.4k)
- Jmt Finance Limited
£49.4k - Industry AVG
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Efficiency
resulting in sales per employee of £135.6k, this is less efficient (£180k)
- Jmt Finance Limited
£180k - Industry AVG
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Debtor Days
There is insufficient data available for this Key Performance Indicator!
- Jmt Finance Limited
- - Industry AVG
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Creditor Days
its suppliers are paid after 0 days, this is quicker than average (10 days)
- Jmt Finance Limited
10 days - Industry AVG
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Stock Days
There is insufficient data available for this Key Performance Indicator!
- Jmt Finance Limited
- - Industry AVG
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Cash Balance
has cash to cover current liabilities for 136 weeks, this is more cash available to meet short term requirements (24 weeks)
136 weeks - Jmt Finance Limited
24 weeks - Industry AVG
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Debt Level
it has a ratio of liabilities to total assets of 1.6%, this is a lower level of debt than the average (92.5%)
1.6% - Jmt Finance Limited
92.5% - Industry AVG
JMT FINANCE LIMITED financials
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Jmt Finance Limited's latest turnover from October 2023 is estimated at £406.7 thousand and the company has net assets of £11.1 million. According to their latest financial statements, Jmt Finance Limited has 3 employees and maintains cash reserves of £481.7 thousand as reported in the balance sheet.
Data source: Companies House, Pomanda Estimates
Oct 2023 | Oct 2022 | Oct 2021 | Oct 2020 | |
---|---|---|---|---|
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 | 3 | 3 | 2 | 1 |
EBITDA* |
* Earnings Before Interest, Tax, Depreciation and Amortisation
Oct 2023 | Oct 2022 | Oct 2021 | Oct 2020 | |
---|---|---|---|---|
Tangible Assets | 0 | 0 | 0 | 0 |
Intangible Assets | 0 | 0 | 0 | 0 |
Investments & Other | 12,575 | 12,575 | 12,575 | 12,575 |
Debtors (Due After 1 year) | 10,133,105 | 10,857,302 | 5,433,193 | 1,880,382 |
Total Fixed Assets | 10,145,680 | 10,869,877 | 5,445,768 | 1,892,957 |
Stock & work in progress | 0 | 0 | 0 | 0 |
Trade Debtors | 0 | 0 | 0 | 0 |
Group Debtors | 146,669 | 150,044 | 555,673 | 0 |
Misc Debtors | 478,315 | 284,073 | 265,297 | 174,640 |
Cash | 481,748 | 62,147 | 235,104 | 7,357 |
misc current assets | 0 | 0 | 0 | 0 |
total current assets | 1,106,732 | 496,264 | 1,056,074 | 181,997 |
total assets | 11,252,412 | 11,366,141 | 6,501,842 | 2,074,954 |
Bank overdraft | 0 | 0 | 0 | 0 |
Bank loan | 0 | 0 | 0 | 0 |
Trade Creditors | 121 | 0 | 240 | 14,855 |
Group/Directors Accounts | 0 | 0 | 0 | 169,379 |
other short term finances | 0 | 0 | 0 | 0 |
hp & lease commitments | 0 | 0 | 0 | 0 |
other current liabilities | 183,207 | 142,447 | 102,847 | 78,188 |
total current liabilities | 183,328 | 142,447 | 103,087 | 262,422 |
loans | 0 | 0 | 0 | 0 |
hp & lease commitments | 0 | 0 | 0 | 0 |
Accruals and Deferred Income | 0 | 0 | 0 | 0 |
other liabilities | 0 | 0 | 0 | 0 |
provisions | 0 | 0 | 0 | 0 |
total long term liabilities | 0 | 0 | 0 | 0 |
total liabilities | 183,328 | 142,447 | 103,087 | 262,422 |
net assets | 11,069,084 | 11,223,694 | 6,398,755 | 1,812,532 |
total shareholders funds | 11,069,084 | 11,223,694 | 6,398,755 | 1,812,532 |
Oct 2023 | Oct 2022 | Oct 2021 | Oct 2020 | |
---|---|---|---|---|
Operating Activities | ||||
Operating Profit | ||||
Depreciation | 0 | 0 | 0 | 0 |
Amortisation | 0 | 0 | 0 | 0 |
Tax | ||||
Stock | 0 | 0 | 0 | 0 |
Debtors | -533,330 | 5,037,256 | 4,199,141 | 2,055,022 |
Creditors | 121 | -240 | -14,615 | 14,855 |
Accruals and Deferred Income | 40,760 | 39,600 | 24,659 | 78,188 |
Deferred Taxes & Provisions | 0 | 0 | 0 | 0 |
Cash flow from operations | ||||
Investing Activities | ||||
capital expenditure | ||||
Change in Investments | 0 | 0 | 0 | 12,575 |
cash flow from investments | ||||
Financing Activities | ||||
Bank loans | 0 | 0 | 0 | 0 |
Group/Directors Accounts | 0 | 0 | -169,379 | 169,379 |
Other Short Term Loans | 0 | 0 | 0 | 0 |
Long term loans | 0 | 0 | 0 | 0 |
Hire Purchase and Lease Commitments | 0 | 0 | 0 | 0 |
other long term liabilities | 0 | 0 | 0 | 0 |
share issue | ||||
interest | ||||
cash flow from financing | ||||
cash and cash equivalents | ||||
cash | 419,601 | -172,957 | 227,747 | 7,357 |
overdraft | 0 | 0 | 0 | 0 |
change in cash | 419,601 | -172,957 | 227,747 | 7,357 |
jmt finance limited Credit Report and Business Information
Jmt Finance Limited Competitor Analysis
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Perform a competitor analysis for jmt finance limited by selecting its closest rivals, whether from the FINANCIAL AND INSURANCE ACTIVITIES sector, other micro companies, companies in LS21 area or any other competitors across 12 key performance metrics.
jmt finance limited Ownership
JMT FINANCE LIMITED group structure
Jmt Finance Limited has no subsidiary companies.
Ultimate parent company
JMT FINANCE LIMITED
12286188
jmt finance limited directors
Jmt Finance Limited currently has 3 directors. The longest serving directors include Mr John Lund (Oct 2019) and Mr Steven Marsh (Oct 2020).
officer | country | age | start | end | role |
---|---|---|---|---|---|
Mr John Lund | England | 70 years | Oct 2019 | - | Director |
Mr Steven Marsh | 63 years | Oct 2020 | - | Director | |
Mr Christopher Jones | United Kingdom | 39 years | Dec 2021 | - | Director |
P&L
October 2023turnover
406.7k
-3%
operating profit
-168.9k
0%
gross margin
29.1%
-31.14%
turnover
Turnover, or revenue, is the amount of sales generated by a company within the financial year.
Balance Sheet
October 2023net assets
11.1m
-0.01%
total assets
11.3m
-0.01%
cash
481.7k
+6.75%
net assets
Total assets minus all liabilities
jmt finance limited company details
company number
12286188
Type
Private limited with Share Capital
industry
64922 - Activities of mortgage finance companies
incorporation date
October 2019
age
6
incorporated
UK
ultimate parent company
accounts
Total Exemption Full
last accounts submitted
October 2023
previous names
N/A
accountant
NICKLIN ACCOUNTANCY SERVICES LTD
auditor
-
address
prospect court, 2 courthouse street, otley, west yorkshire, LS21 1AQ
Bank
-
Legal Advisor
-
jmt finance 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 jmt finance limited.
jmt finance 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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jmt finance limited Companies House Filings - See Documents
date | description | view/download |
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