ms lending group limited
ms lending group limited Company Information
Company Number
12723324
Next Accounts
Sep 2025
Industry
Other activities auxiliary to financial services, except insurance and pension funding
Shareholders
hornsearle property group limited
masb holdings limited
Group Structure
View All
Contact
Registered Address
1st floor cloister house, riverside, new bailey street, manchester, M3 5FS
Website
mslendinggroup.co.ukms lending group limited Estimated Valuation
Pomanda estimates the enterprise value of MS LENDING GROUP LIMITED at £777.5m based on a Turnover of £350.1m and 2.22x industry multiple (adjusted for size and gross margin).
ms lending group limited Estimated Valuation
Pomanda estimates the enterprise value of MS LENDING GROUP LIMITED at £20m based on an EBITDA of £2m and a 10.14x industry multiple (adjusted for size and gross margin).
ms lending group limited Estimated Valuation
Pomanda estimates the enterprise value of MS LENDING GROUP LIMITED at £9.1m based on Net Assets of £4m and 2.3x industry multiple (adjusted for liquidity).
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Ms Lending Group Limited Overview
Ms Lending Group Limited is a live company located in manchester, M3 5FS with a Companies House number of 12723324. It operates in the activities auxiliary to financial intermediation n.e.c. sector, SIC Code 66190. Founded in July 2020, it's largest shareholder is hornsearle property group limited with a 50% stake. Ms Lending Group Limited is a startup, mega sized company, Pomanda has estimated its turnover at £350.1m with unknown growth in recent years.
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Ms Lending Group Limited Health Check
Pomanda's financial health check has awarded Ms Lending Group Limited a 2.5 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 £350.1m, make it larger than the average company (£3.4m)
- Ms Lending Group Limited
£3.4m - Industry AVG
Growth
There is insufficient data available for this Key Performance Indicator!
- Ms Lending Group Limited
- - Industry AVG
Production
with a gross margin of 84.4%, this company has a comparable cost of product (84.4%)
- Ms Lending Group Limited
84.4% - Industry AVG
Profitability
an operating margin of 0.5% make it less profitable than the average company (9.1%)
- Ms Lending Group Limited
9.1% - Industry AVG
Employees
with 17 employees, this is similar to the industry average (15)
17 - Ms Lending Group Limited
15 - Industry AVG
Pay Structure
on an average salary of £82.3k, the company has an equivalent pay structure (£82.3k)
- Ms Lending Group Limited
£82.3k - Industry AVG
Efficiency
resulting in sales per employee of £20.6m, this is more efficient (£213.7k)
- Ms Lending Group Limited
£213.7k - Industry AVG
Debtor Days
it gets paid by customers after 81 days, this is later than average (36 days)
- Ms Lending Group Limited
36 days - Industry AVG
Creditor Days
its suppliers are paid after 0 days, this is quicker than average (30 days)
- Ms Lending Group Limited
30 days - Industry AVG
Stock Days
There is insufficient data available for this Key Performance Indicator!
- Ms Lending Group Limited
- - Industry AVG
Cash Balance
has cash to cover current liabilities for 3 weeks, this is less cash available to meet short term requirements (34 weeks)
3 weeks - Ms Lending Group Limited
34 weeks - Industry AVG
Debt Level
it has a ratio of liabilities to total assets of 95.4%, this is a higher level of debt than the average (44.1%)
95.4% - Ms Lending Group Limited
44.1% - Industry AVG
MS LENDING GROUP LIMITED financials
Ms Lending Group Limited's latest turnover from December 2023 is estimated at £350.1 million and the company has net assets of £4 million. According to their latest financial statements, Ms Lending Group Limited has 17 employees and maintains cash reserves of £5.8 million as reported in the balance sheet.
Data source: Companies House, Pomanda Estimates
| Dec 2023 | Dec 2022 | Dec 2021 | |
|---|---|---|---|
| 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 | 17 | 8 | 5 |
| EBITDA* |
* Earnings Before Interest, Tax, Depreciation and Amortisation
| Dec 2023 | Dec 2022 | Dec 2021 | |
|---|---|---|---|
| Tangible Assets | 194,826 | 134,863 | 33,129 |
| Intangible Assets | 0 | 0 | 0 |
| Investments & Other | 0 | 0 | 0 |
| Debtors (Due After 1 year) | 0 | 0 | 0 |
| Total Fixed Assets | 194,826 | 134,863 | 33,129 |
| Stock & work in progress | 0 | 0 | 0 |
| Trade Debtors | 78,177,848 | 68,149,145 | 22,072,499 |
| Group Debtors | 0 | 0 | 0 |
| Misc Debtors | 1,325,714 | 3,128,177 | 72,138 |
| Cash | 5,841,854 | 1,465,698 | 1,486,888 |
| misc current assets | 0 | 0 | 0 |
| total current assets | 85,345,416 | 72,743,020 | 23,631,525 |
| total assets | 85,540,242 | 72,877,883 | 23,664,654 |
| Bank overdraft | 0 | 0 | 0 |
| Bank loan | 0 | 0 | 0 |
| Trade Creditors | 30,697 | 0 | 1,872 |
| Group/Directors Accounts | 0 | 0 | 0 |
| other short term finances | 0 | 0 | 0 |
| hp & lease commitments | 0 | 0 | 0 |
| other current liabilities | 81,552,931 | 70,505,495 | 23,051,713 |
| total current liabilities | 81,583,628 | 70,505,495 | 23,053,585 |
| loans | 0 | 0 | 0 |
| hp & lease commitments | 0 | 0 | 0 |
| Accruals and Deferred Income | 0 | 0 | 0 |
| other liabilities | 0 | 0 | 0 |
| provisions | 0 | 0 | 0 |
| total long term liabilities | 0 | 0 | 0 |
| total liabilities | 81,583,628 | 70,505,495 | 23,053,585 |
| net assets | 3,956,614 | 2,372,388 | 611,069 |
| total shareholders funds | 3,956,614 | 2,372,388 | 611,069 |
| Dec 2023 | Dec 2022 | Dec 2021 | |
|---|---|---|---|
| Operating Activities | |||
| Operating Profit | |||
| Depreciation | 49,400 | 33,716 | |
| Amortisation | 0 | 0 | 0 |
| Tax | |||
| Stock | 0 | 0 | 0 |
| Debtors | 8,226,240 | 49,132,685 | 22,144,637 |
| Creditors | 30,697 | -1,872 | 1,872 |
| Accruals and Deferred Income | 11,047,436 | 47,453,782 | 23,051,713 |
| Deferred Taxes & Provisions | 0 | 0 | 0 |
| Cash flow from operations | |||
| Investing Activities | |||
| capital expenditure | |||
| Change in Investments | 0 | 0 | 0 |
| cash flow from investments | |||
| Financing Activities | |||
| Bank loans | 0 | 0 | 0 |
| Group/Directors Accounts | 0 | 0 | 0 |
| Other Short Term Loans | 0 | 0 | 0 |
| Long term loans | 0 | 0 | 0 |
| Hire Purchase and Lease Commitments | 0 | 0 | 0 |
| other long term liabilities | 0 | 0 | 0 |
| share issue | |||
| interest | |||
| cash flow from financing | |||
| cash and cash equivalents | |||
| cash | 4,376,156 | -21,190 | 1,486,888 |
| overdraft | 0 | 0 | 0 |
| change in cash | 4,376,156 | -21,190 | 1,486,888 |
ms lending group limited Credit Report and Business Information
Ms Lending Group Limited Competitor Analysis
Perform a competitor analysis for ms lending group limited by selecting its closest rivals, whether from the FINANCIAL AND INSURANCE ACTIVITIES sector, other mega companies, companies in M 3 area or any other competitors across 12 key performance metrics.
ms lending group limited Ownership
MS LENDING GROUP LIMITED group structure
Ms Lending Group Limited has no subsidiary companies.
Ultimate parent company
MS LENDING GROUP LIMITED
12723324
ms lending group limited directors
Ms Lending Group Limited currently has 2 directors. The longest serving directors include Mr Michael Stratton (Jul 2020) and Mr Stephen Alcock (Jul 2024).
| officer | country | age | start | end | role |
|---|---|---|---|---|---|
| Mr Michael Stratton | England | 33 years | Jul 2020 | - | Director |
| Mr Stephen Alcock | United Kingdom | 47 years | Jul 2024 | - | Director |
P&L
December 2023turnover
350.1m
-2%
operating profit
1.9m
0%
gross margin
84.4%
+2.2%
turnover
Turnover, or revenue, is the amount of sales generated by a company within the financial year.
Balance Sheet
December 2023net assets
4m
+0.67%
total assets
85.5m
+0.17%
cash
5.8m
+2.99%
net assets
Total assets minus all liabilities
Similar Companies
ms lending group limited company details
company number
12723324
Type
Private limited with Share Capital
industry
66190 - Other activities auxiliary to financial services, except insurance and pension funding
incorporation date
July 2020
age
4
incorporated
UK
ultimate parent company
accounts
Group
last accounts submitted
December 2023
previous names
N/A
accountant
LOPIAN GROSS BARNETT & CO
auditor
-
address
1st floor cloister house, riverside, new bailey street, manchester, M3 5FS
Bank
-
Legal Advisor
-
ms lending group 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 found 491 charges/mortgages relating to ms lending group limited. Currently there are 489 open charges and 2 have been satisfied in the past.
ms lending group 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.
Click to start generating capital raising & share issue transactions for MS LENDING GROUP LIMITED. This can take several minutes, an email will notify you when this has completed.
ms lending group limited Companies House Filings - See Documents
| date | description | view/download |
|---|
