THE PROPERTY BUSINESS GROUP LIMITED

Values shown as filed in the company's annual accounts. — indicates the figure wasn't present under that line item in that period. About these numbers

• Turnover

  +21.3%

  £15,001,327 → £18,190,914

• Cash

  -28.7%

  £3,674,907 → £2,619,525

• Net assets

  +1.2%

  £5,225,523 → £5,290,696

• Employees

  +0.7%

  140 → 141

• Operating profit

  +137.2%

  £728,948 → £1,728,783

• Profit before tax

  +115.8%

  £914,468 → £1,973,589

• Wages

  +3.2%

  £6,336,392 → £6,536,571

Each % is (latest − prior) ÷ |prior| for the line item as filed. The comparison is only shown when the latest and prior accounts cover broadly equal-length periods — short or long stubs (typical around incorporation or a year-end change) are suppressed rather than misrepresented. Lines a company doesn't report are omitted. About these numbers

Margins divide P&L lines by turnover. Gearing is liabilities over total assets. Current ratio is current assets over creditors falling due within one year. Interest cover is operating profit over absolute finance costs. Sector-distribution context coming next.

Accounting basis

FRS 102

Reporting scope

Consolidated group

Auditor

Cooper Parry Group Limited

Audit opinion

Unqualified (clean)

Going concern

Affirmed

“In auditing the financial statements, we have concluded that the directors' use of the going concern basis of accounting in the preparation of the financial statements is appropriate. Based on the work we have performed, we have not identified any material uncertainties relating to events or conditions that, individually or collectively, may cast significant doubt on the group's or the parent company's ability to continue as a going concern for a period of at least twelve months from when the financial statements are authorised for issue.”

Group structure

1. THE PROPERTY BUSINESS GROUP LIMITED · parent
   1. Mortgage Finance Brokers Limited 100% · provision of mortgage broking services
   2. Keystone Property Finance Limited 100% · provision of specialist buy to let mortgages
   3. Mortgages For Landlords Limited 100%
   4. PBG Trustees Limited 100%
   5. MFB Limited 100%
   6. Keystone Property Servicing Limited 100%
   7. Keystone Specialist Lending Limited 100%
   8. Mortgage Flow Limited 100%
   9. Keystone Commercial Mortgages Limited 100%
   10. Keystone Buy to Let Mortgages Limited 100%
   11. MFB Property Finance Consulting Ltd 100%

Significant events

• “Bank of England Base Rate (BBR) remained elevated at 5.25% coming into 2024 only reducing to 5% on 1st August. Thereafter it cut again by 0.25% on 7th November ending the year at 4.75%. Whilst these cuts were welcome, market confidence was diminished by the premature General Election announcement by the Conservative Government in May followed by a business damaging Autumn Statement from the incoming Labour Government in October.”
• “MFB is preparing a new structure and format for the business to be ready for the start of 2026 which involves technology and right sized premises as the lease for No.17 Kings Hill Avenue expires in January 2026. Within that plan there is a streamlining of staff which has meant staff leaving the business not being automatically replaced with headcount at year end of 39 (2023 - 44).”

Auditor, going-concern and subsidiary information is drawn from the narrative of the latest annual accounts. About these numbers

Filings

4

last 12 months

Capital events

0

last 24 months

Officers appointed

0

last 12 months

Officers resigned

0

last 12 months

Direct counts from the register. No score, no rating — see the Filing timeline for the underlying events.