RNS Number:2473R
Network Data Holdings PLC
01 April 2008
1 April 2008
NETWORK DATA HOLDINGS PLC
(the "Group")
Annual results for year ended 31 December 2007
Network Data Holdings, the holding company for a group of companies providing
intermediary services to the mortgage and property industries, today announces
its results for the year ended 31 December 2007.
Commenting on the results, Richard Griffiths, Chief Executive of Network Data
Holdings, said:
"The Group has faced a number of challenges during the course of the year, most
notably the delay and phased implementation of the Home Information Pack program
and the difficulties in the mortgage and property industries. This has
obviously impacted the Group's profitability for the year ended 31 December
2007. However the core business, Network Data Limited, has achieved good
growth in its business volumes and increased profit before tax by a healthy 26%.
2008 will obviously continue to be difficult for businesses operating in the
mortgage and property industries, however we believe the Group is well
positioned to ride out those troubles. Network Data Limited continues to
operate as one of the largest mortgage broking networks in the UK and we
anticipate our HIPs business to gather momentum during the course of the year.
We are well placed to take advantage of any opportunities which may arise over
the forthcoming months."
Enquiries:
Richard Griffiths
Chief Executive
01932 875 728
John Riddell
Noble & Company Limited
020 7763 2200
Financial Highlights
* Turnover increased by 11% to �32.4m (2006: �29.2m)
* Gross profit up by 6% to �8.2m (2006: �7.7m)
* Profit before tax in Network Data Limited up by 26% to �2.35m (2006:
�1.86m)
* Dividend of 0.35p per share to be approved at the Annual General Meeting
Operational Highlights
* Business volumes in Network Data Limited increased by 11%
* Increase in the profitability of the Appointed Representative firms
operating under NDL
* 14% increase in surveys carried out by Network Surveyors Limited
CHAIRMAN'S STATEMENT
Introduction
Our first full year of trading as an AIM listed company has been a challenging
time for the Group as a whole. The challenges have arisen for reasons beyond
our control as a result of the global credit crunch in the second half of the
year and the regulatory delays surrounding the introduction of Home Information
Packs (HIPs).
Nevertheless, we are reporting that our results for the year ended 31 December
2007 are in line with market expectations as revised following our announcement
of 29 November 2007.
Financial performance of operating companies
Group sales rose by approximately 11% year on year to �32.4m and the Group made
gross profits of �8.2m which is an increase of 6% over last year. However as a
result of the requirement to carry the HIPs business for longer than expected,
the Group incurred a pre-tax loss of �1.1m against a profit of �0.3m for 2006.
Loss per share was 2.9p against earnings per share of 0.5p in 2006.
Nevertheless the Group will be maintaining its dividend of 0.35p per share
payable on 9 May 2008 to shareholders on the register on 2 May 2008.
Our results can be broken down into the different continuing business operations
as follows:
Business Segments FY 2007 FY 2006
(Restated)
Revenue �'000s �'000s
Intermediary services for mortgage brokers (NDL) 29,696 27,300
Panel management of surveys and valuations (NSL) 2,094 2,024
Provision of HIPs (HIPSTAR) 742 -
less Inter-Segment Revenue (102) (152)
Total Revenue 32,430 29,172
Profit / (loss) before tax
Intermediary services for mortgage brokers (NDL) 2,350 1,861
Panel management of surveys and valuations (NSL) 122 11
Provision of HIPs (HIPSTAR) (3,579) (1,333)
Network Data Holdings plc - (268)
Eliminations on Consolidation 2 -
Total profit (loss) before tax (1,105) 271
(The 2006 results have been restated due to the transition to IFRS)
The core business of providing intermediary services to mortgage brokers, NDL,
has performed well, growing business volumes at approximately 11% which is
particularly positive given the turmoil seen in the mortgage and credit markets
from August 2007.
2007 was very much a year of two halves for the UK mortgage market. In the
first half, the market was slow to react to the rising trend in interest rates
that had started in the summer of 2006. Innovation and competition in the
mortgage market continued to facilitate borrowers' access to the market. As a
result, house sales held up and house price growth crept over 10%.
However, by the end of the year, the market was much more subdued. The rising
interest rates began to weigh on the market and towards the end of the year, the
credit crunch which broke in early August as concerns over the performance of US
sub prime mortgages increased, was clearly beginning to have an impact.
The credit crunch has resulted in funding difficulties for a number of mortgage
lenders reducing their capacity to lend. In response, lenders have reappraised
the risks involved in lending resulting in a tightening in lending criteria and
a widening in mortgage margins to parts of the market, notably the sub-prime and
buy to let sectors. The combined impact of rising interest rates and the
tightening availability of mortgages has seen a sharp fall in mortgage approvals
for house purchase in the second half of the year.
The NDL business experienced a less severe downturn than the market as a whole,
which we see as evidence of the robustness of the NDL business model and the
value added service which the NDL Appointed Representatives provide to their
customers.
The results of NSL, the panel manager of property valuations and surveys, again
reflect the change in the housing market between the first and second half of
2007. The number of residential surveys conducted by NSL during the course of
the year was 11,042 compared with 9,647 for 2006.
The delay in the implementation of the Home Information Pack (HIP) program
obviously had a significant impact on the performance of the Group. It was
expected that HIPs would become mandatory on 1 June 2007, however the
Government's lack of resolve on HIPs led to a two month delay and a phased
implementation over the last five months of the year. The final outcome was
that HIPs only became mandatory for all properties on 14 December 2007.
The Group has therefore been carrying the costs of HIPSTAR for over 6 months
longer than previously expected. In addition, the expected revenues have not
been forthcoming within the timeframe originally forecast. Although the
overheads of the business have been kept to a minimum during the period of
uncertainty it has nevertheless meant that the overall results of the Group have
been significantly impacted.
As announced on 7 January 2008, the Group decided to close down the operations
of Homeowners Mortgages Limited (HOM) on 31 December 2007 due to the ongoing
problems in the credit markets and the lack of visibility for the commencement
of trading of HOM. All the costs of HOM have been fully absorbed into the 2007
results.
Dividend
Subject to approval at the Annual General Meeting on 24 April 2008, the
Directors are proposing to maintain a final dividend of 0.35p per share,
approximately �100,000 in total, payable on 9 May 2008 to shareholders on the
register on 2 May 2008.
Outlook
2008 will be another challenging year for the mortgage market. There are
significant downside risks in the strength of the demand for house purchases and
the extent to which lenders will be able to meet the mortgage demand.
However, it is possible that the worst of the problems for mortgage supply could
be behind us by the middle of the year and sentiment will stabilise and slowly
start to improve as the year progresses. On the positive side, interest rates
are falling and are likely to continue to do so. This is good news for the 1.4
million borrowers whose fixed or discounted rate mortgages mature in 2008. The
Directors expect that NDL will continue to see a strong demand for products as
borrowers remortgage during the course of the year.
NDL continues its strategy of attracting more high quality Appointed
Representatives to our network. Our Appointed Representatives will continue to
increase their market share of the overall market as a result of the complexity
and range of products available.
In addition, HIPSTAR is very well placed to be one of the major providers of
HIPs now that the market can at long last establish itself.
The Directors are keen to grow the Group and regularly review a number of
acquisition opportunities. The Group will undoubtedly play a key role in any
consolidation of the mortgage networks.
To conclude, I would like to thank our customers for their continued support and
all our employees for their commitment and enthusiasm over the last year.
Grenville Folwell
Chairman
CHIEF EXECUTIVE'S REVIEW
Network Data Holdings provides a range of services to the property and mortgage
industries through its three wholly owned trading subsidiaries. The Group
provides services to intermediaries in these sectors and does not deal directly
with the general public.
2007 has been a challenging year for the Group as we have had to contend with
Government's last minute delay and the phased implementation of the Home
Information Pack program and the well publicised difficulties which have hit the
mortgage and property markets.
However, we are pleased to report that the Group's results are in line with
market expectations following our trading update to the market on 29 November
2007.
Network Data Limited
The core business, NDL, has been established over 20 years and operates as a
distribution channel in the UK mortgage and insurance markets.
As at 31 December 2007, NDL had 511 mortgage firms (Appointed Representative
firms) contracted to place all their mortgage and related insurance business
through NDL.
During the course of 2007, we have continued with our strategy to terminate
contracts with those Appointed Representative (AR) firms with low volumes of
business or poor adherence to our compliance requirements. This has resulted in
a slight decrease in the number of AR firms from 2006 but the Directors believe
that productivity and profitability of the firms which trade under the banner of
Network Data is of more importance that the overall number.
This focus on productivity is evidenced by the fact that NDL levels of business
have grown in excess of the market with business volumes increasing by
approximately 11% year on year.
The gross margin for NDL has declined from 27% in 2006 to 25.5% in 2007 which is
in line with our expectations. We anticipate that our longer term sustainable
gross margin will settle at just above the 20% mark.
For the market as a whole, 2007 was a record year for gross mortgage lending
with volumes rising by 5% to close to �364 billion from �345 billion in 2006, as
reported by the Council of Mortgage Lenders. From August 2007, market activity
was affected by the global credit crunch and in the final months of the year
mortgage approvals fell away sharply.
Network Surveyors Limited
NSL acts as a panel manager for property valuations on behalf of mortgage
lenders. The first half of 2007 was particularly strong with significant year
on year growth in the number of surveys conducted. However, the latter half of
the year showed a marked decrease in the number of new surveys being carried out
as a result of the slow down in the housing market which had a direct knock on
effect on the surveying business. Overall the number of surveys conducted in
2007 was 11,042 compared with 9,647 in 2006, an increase of 14%.
NSL also panel manages the production of the Energy Performance Certificate
(EPC), an integral part of the Home Information Pack. In addition to being the
sole supplier of EPCs to HIPSTAR, NSL also carries out EPCs for a number of
third party suppliers of HIPs. As a result of the phased implementation of HIPs,
the EPC business was much slower than expected for the majority of the year.
For the segmental analysis of the operating companies, the revenues of the EPCs
performed for HIPSTAR are included within the HIPs business rather than NSL.
Hipstar Limited
We identified HIPs as a natural fit into the Group's activities since early
2005. Since that time we have invested in building the appropriate IT systems,
employing a field sales force and an extensive marketing campaign to estate
agents.
It was extremely disappointing for the Group that the HIP program was delayed by
the Government's announcement on 22 May, a mere 10 days before HIPs were due to
come into force on the long-publicised date of 1 June. The phased implementation
of the program resulted in an extremely slow adoption of HIPs by the market as
many estate agents continued to believe, or, hope that the whole program would
be cancelled.
The net result to the Group of the phased implementation meant that the revenues
for the business were negligible against an expectation of 6 months of strong
revenues. In addition, the rest of the Group had to carry the cost of
maintaining the HIPSTAR operations during the uncertainty. Although the
operations were to some extent virtual as HIPSTAR does not employ its own home
inspectors, energy assessors or solicitors, some overheads such as development
of the purpose built IT systems and maintaining a field sales force were deemed
to be unavoidable.
In the light of the uncertainty surrounding HIPs, the number of Home Inspector
franchises sold during the latter half of 2007 was very few but the Directors
expect to see this picking up again during the course of 2008 as discussed
below, under Outlook for 2008.
The final roll-out of the HIP program on 14 December to all houses on the market
was welcomed by the Group. However this was too late to have any positive
effect on the results for 2007.
Homeowners Mortgages Limited
The decision on 31 December 2007 to close our proposed new lending business,
Homeowners Mortgages Limited, was reluctantly taken as a result of the worsening
credit situation and no clear timeframe for the advent of funding for the
business from our potential partners. The accounts indicate the exceptional
costs of this discontinued operation.
Outlook for 2008
The Group's revenues for NDL and NSL for January and February were closely in
line with our expectations. However, the activity levels for the first couple of
months of 2008 were more muted than the same period in 2007 as a result of the
ongoing problems in global credit markets.
Analysis of Land Registry figures for monthly house sales over the last 10 years
show that the first two months of the year are always significantly weaker than
the rest of the year and that activity levels normally pick up in the second
quarter of the year.
The Directors believe that the market, whilst being down on 2007, will improve
during the course of the year and may even show year on year growth in the
second half of 2008 as a result of the low base during the second half of 2007.
The Council of Mortgage Lenders is forecasting that gross mortgage lending for
2008 will be down approximately 7% on 2007. The demand for mortgage products is
still strong but problems may arise if lenders struggle to meet the demand for
mortgages in a tight credit market. In addition, the tightening of criteria in
the sub-prime market and the decrease in the number of products, particularly
high loan to value mortgages, may make conditions difficult for sub-prime
borrowers wishing to remortgage.
On the positive side, interest rates are falling and the move in longer term
rates against which fixed rate mortgage products are priced has been much
greater than the falls in bank rate. This means that the severity of payment
shock for the 1.4 million borrowers whose fixed and discounted rate mortgages
mature in 2008 could be less than previously anticipated and looks set to
diminish further as the year progresses. Provided the mortgage funds are
available, the Directors expect to see a significant amount of churn going on in
the market place as borrowers look to remortgage during the course of the year.
In addition, affordability from the recent rate cuts and the subdued house price
inflation could bring more first time buyers back to the market attracted by the
prospect of obtaining better value.
The number of HIPs being placed through HIPSTAR has shown a dramatic increase
during the first couple of months of 2008, and the Directors believe that this
trend will continue as HIPs become recognised as an integral part of house
selling process. At this stage though it is still too early make any estimate of
the market share for HIPSTAR given the paucity of information from competitors.
First day marketing, whereby properties can be marketed without a HIP as long as
the HIP has been ordered, is due to expire on 1 June 2008. Home sellers, who
account for in excess of 80% of all property purchasers, are likely to exert
pressure on the industry to ensure that properties are required to have a HIP
before they can be placed on the market.
Although the forecasts for 2008 do not include any contribution from the
franchise business, the Directors expect to sell the remaining domestic energy
assessor franchises during the course of the year. Existing franchisees have
shown interest in extending their current franchise areas and we are seeing a
pick up in interest from new franchisees.
The Group has also recently negotiated new banking facilities with Bank of
Scotland Corporate which are a significant improvement on the previous terms
available to the Group. The facilities include a 10 year term loan of �3.5
million to refinance existing debt and to provide additional working capital and
an overdraft facility of �1 million for working capital purposes. The new
facilities required a revaluation of the Group's freehold head office, Botleys
Mansion. The head office building is now valued at �5 million, compared with
the previous valuation of �4.7 million. The increase in value, plus depreciation
of �94,000 over the past two years, has been included in the balance sheet.
New Initiatives
In order to improve transparency of operations and management focus, a new
operating division will be carved out of HIPSTAR from 2008:
Network Conveyancing Limited (NCL): will deal exclusively with the referral of
conveyancing instructions from estate agents and mortgage brokers to a
controlled panel of solicitors situated in locations around the country. Chris
Poulton, who joined the Group in October 2006, has substantial experience in
this area and has been appointed Chief Executive Officer of NCL.
This referral process has been operational for some time, albeit on a very small
scale with the financial figures subsumed within the Hipstar accounts.
During the first half of 2008, the Directors also expect to announce the launch
of a new initiative for NSL which will enable mortgage brokers to directly
instruct surveyors to carry out valuations for lending purposes. This is an
innovative move within the surveying industry and will be attractive to both
mortgage brokers and lenders alike. The Directors believe it will substantially
drive up the number of valuation cases managed by NSL.
HIPSTAR has entered into an arrangement with a personal search agency company
that will see up to 50 of its franchisees trained to be personal search agents
as a source of additional income. There are a number of benefits in the same
person obtaining the local authority search and visiting the property in
question for the production of the energy performance certificate.
The Group has weathered a number of setbacks reasonably successfully during
2007. Downturns in the market can create opportunities and the Directors believe
that the Group is well positioned to take advantage of opportunities that will
doubtless arise over the course of 2008.
Richard Griffiths
Chief Executive
CONSOLIDATED INCOME STATEMENT
For the year ended 31 December 2007
Restated
2007 2006
Notes �'000 �'000
Continuing Operations
Revenue 32,430 29,172
Cost of sales (24,213) (21,452)
Gross profit 8,217 7,720
Other operating income - 250
Administrative expenses (9,047) (7,142)
Admission costs - (306)
Operating (loss)/profit (830) 522
Investment revenues 5 4
Finance costs (280) (255)
(Loss)/profit before tax (1,105) 271
Tax on loss / profit for the year 282 (119)
(Loss)/profit for the period from continuing operations (823) 152
Discontinued operations
Loss for the period from discontinued operations (802) -
(Loss)/profit for the period attributable to equity shareholders (1,625) 152
Earnings per share 2
From continuing operations
Basic (2.9)p 0.5p
Diluted (2.9)p 0.5p
From continuing and discontinued operations
Basic (5.8)p 0.5p
Diluted (5.8)p 0.5p
CONSOLIDATED STATEMENT OF RECOGNISED INCOME AND EXPENSE
For the year ended 31 December 2007
Restated
2007 2006
Notes �'000 �'000
Gains / (losses) on revaluation of properties 394 -
Tax on items taken directly to equity (79) -
Net income recognised directly in equity 315 -
(Loss)/profit for the year (1,625) 152
Total recognised income and expense for the year attributable to equity
shareholders (1,310) 152
CONSOLIDATED STATEMENT OF CHANGES IN EQUITY
For the year ended 31 December 2007
Ordinary Share Retained Other reserves Total
Share premium earnings
capital
�'000 �'000 �'000 �'000 �'000
Balance at 1 January 2007 2,810 - (346) (1,474) 990
Shares issued in year 17 4 - - 21
Share based payments - - - 36 36
Property revaluation - - - 315 315
Dividend paid - - (98) - (98)
Loss for the period - - (1,625) - (1,625)
Balance at 31 December 2007 2,827 4 (2,069) (1,123) (361)
For the year ended 31 December 2006
Ordinary Share Retained Other reserves Total
Share premium earnings
capital
�'000 �'000 �'000 �'000 �'000
Balance at 1 January 2006 2,755 - (498) (1,368) 889
Changes in accounting policy arising from - - - (106) (106)
IFRS
Balance at 1 January 2006 (restated) 2,755 - (498) (1,474) 783
Shares issued in year 55 165 - - 220
Share issue costs (165) - - (165)
Profit for the period - - 152 - 152
Balance at 31 December 2006 2,810 - (346) (1,474) 990
CONSOLIDATED BALANCE SHEET
At 31 December 2007
Restated
2007 2006
�'000 �'000
Non-current assets
Intangible assets 497 50
Property, plant and equipment 6,009 5,749
Deferred tax asset 552 70
7,058 5,869
Current assets
Trade and other receivables 819 1,213
Cash and cash equivalents 25 544
844 1,757
Total assets 7,902 7,626
Current Liabilities
Trade and other payables 4,535 2,872
Current tax liabilities 241 76
Obligations under finance leases 200 205
Bank overdrafts and loans 661 474
5,637 3,627
Net current liabilities (4,793) (1,870)
Non-current liabilities
Bank loans 2,484 2,760
Obligations under finance leases 142 249
2,662 3,009
Total liabilities 8,299 6,636
Net (liabilities) / assets (361) 990
EQUITY
Share capital 2,827 2,810
Share premium account 4 -
Other reserves (1,123) (1,474)
Retained earnings (2,069) (346)
Total equity (361) 990
The financial statements were approved by the board of directors and authorised
for issue on 28 March 2008.
They were signed on its behalf by:
Director
Richard Griffiths
CONSOLIDATED CASH FLOW STATEMENT
For the year ended 31 December 2007
Restated
2007 2006
�'000 �'000
Operating (loss) / profit for the year (830) 522
Adjustments for
Depreciation of property, plant and equipment 352 308
Amortisation of intangible assets 77
Share based payment expense 36 -
(Gain) / loss on disposal of property, plant and equipment (2) 5
Operating cash flows before movements in working capital (367) 835
Decrease / (increase) in receivables 393 (409)
Increase in payables 1,501 735
Cash generated by operations 1,527 1,161
Income taxes paid (113) -
Interest paid (250) (234)
Net cash from operating activities 1,164 927
Investing activities
Interest received 4 4
Discontinued activity (670) -
Proceeds on disposal of property, plant and equipment 60 36
Purchases of property, plant and equipment (171) (260)
Expenditure on intangible assets (524) (50)
Net cash used in investing activities (1,301) (270)
Financing activities
Dividends paid (98) -
Repayments of borrowings (436) (307)
Repayments of obligations under finance leases (214) (131)
Proceeds on issue of shares 21 220
Increase / (decrease) in bank overdrafts 345 40
Share issue costs charged against share premium - (165)
Net cash (used in) / from financing activities (382) (343)
Net increase / (decrease) in cash and cash equivalents (519) 314
Cash and cash equivalents at beginning of year 544 230
Cash and cash equivalents at end of year 25 544
Notes to the Consolidated Financial Statements
For the year ended 31 December 2007
1. General Information
Network Data Holdings Plc is a company incorporated in the United Kingdom
under the Companies Act 1985. The address of the registered office is Botleys
Mansion, Stonehill Road, Chertsey, KT16 0AP.
Accounting Policies
International Financial Reporting Standards ("IFRS")
These are the first set of results the Group has reported under IFRS. The
comparative information has been restated and reconciliations from UK Generally
Accepted Accounting Practice (UK GAAP) to IFRS are given in the notes. As a
result the Group has been required to capitalise certain development costs and
provide deferred tax on the property revaluation.
Restatement of financial information under International Financial Reporting
Standards ("IFRS")
This is the first year that the Group will present its financial statements
under IFRS. The Company reported under UK GAAP in its previously published
financial statements for the year ended 31 December 2006. The date of
transition to IFRS is 1 January 2006.
Previous Effect of IFRS Previous Effect of IFRS
UK GAAP transition UK GAAP transition
to IFRS to IFRS
�'000 �'000 �'000 �'000 �'000 �'000
1 January 2006 31 December 2006
- - - Intangible assets - 50 50
5,450 - 5,450 Property, plant and equipment 5,749 - 5,749
201 (106) 95 Deferred tax asset 191 (121) 70
5,651 (106) 5,545 Non-current assets 5,940 (71) 5,869
821 - 821 Trade and other receivables 1,213 - 1,213
230 - 230 Cash and cash equivalents 544 - 544
1,051 - 1,051 Current assets 1,757 - 1,757
6,702 (106) 6,596 Total assets 7,697 - 7,626
2,114 - 2,114 Trade and other payables 2,872 - 2,872
- - - Current tax liabilities 76 - 76
101 - 101 Obligations under finance leases 205 - 205
298 - 298 Bank overdrafts and loans 474 - 474
2,513 - 2,513 Current Liabilities 3,627 - 3,627
(1,462) - (1,462) Net current liabilities (1,870) - (1,870)
3,204 - 3,204 Bank loans 2,760 - 2,760
96 - 96 Obligations under finance leases 249 - 249
3,300 - 3,300 Non-current liabilities 3,009 - 3,009
5,813 - 5,813 Total liabilities 6,636 - 6,636
889 (106) 783 Net assets 1,061 (71) 990
2,755 - 2,755 Share capital 2,810 - 2,810
- - - Share premium account - - -
(1,368) (106) (1,474) Other reserves (1,368) (106) (1,474)
(498) - (498) Retained earnings (381) 35 (346)
889 (106) 783 Total equity 1,061 (71) 990
Deferred tax of �106,000 has been provided on the property valuation as at 1
January 2006 and 31 December 2006. Software development costs of �50,000 were
capitalised during 2006. An adjustment to the deferred tax liability has been
made of �15,000 in respect of this capitalisation.
2. Earnings per share
From continuing and discontinued operations
The calculation of the basic and diluted earnings per share is based on the
following data:
Earnings Restated
2007 2006
�'000 �'000
Earnings for the purposes of basic earnings per share being net profit
attributable to equity holders of the parent (1,625) 152
Earnings for the purposes of diluted earnings per share (1,625) 152
Number of shares
2007 2006
Weighted average number of ordinary shares for the purposes of basic
earnings per share 28,191,276 27,681,472
Effect of dilutive potential ordinary shares:
Share options 2,381,405 2,492,740
Weighted average number of ordinary shares for the purposes of diluted
earnings per share 30,572,681 30,174,212
The effect of the dilution in 2007 has been ignored due to the loss for the
year.
From continuing operations
Earnings Restated
2007 2006
�'000 �'000
Earnings for the purposes of basic earnings per share being net profit
attributable to equity holders of the parent (823) 152
Earnings for the purposes of diluted earnings per share (823) 152
3. Further copies
Further copies of the Annual Report and Accounts will be available, free of
charge, for a period of one month following posting to shareholders from the
company's Nominated Adviser and Broker, Noble & Company Limited, 120 Old Broad
Street, London, EC2N 1AR, tel:020 7763 2200. Copies of the full Financial
Statements will be posted to shareholders as soon as possible and will be
available on the Company's website.
This information is provided by RNS
The company news service from the London Stock Exchange
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