burch credits limited
burch credits limited Company Information
Company Number
00672792
Next Accounts
Nov 2025
Shareholders
wollaston garage ltd
john burch heynes
Group Structure
View All
Industry
Other credit granting (not including credit granting by non-deposit taking finance houses and other specialist consumer credit grantors and activities of mortgage finance companies) n.e.c.
Registered Address
hextons farm house, arley, bewdley, worcestershire, DY12 1SW
Website
-burch credits limited Estimated Valuation
Pomanda estimates the enterprise value of BURCH CREDITS LIMITED at £26.3k based on a Turnover of £20.2k and 1.3x industry multiple (adjusted for size and gross margin).
burch credits limited Estimated Valuation
Pomanda estimates the enterprise value of BURCH CREDITS LIMITED at £0 based on an EBITDA of £-551 and a 4.4x industry multiple (adjusted for size and gross margin).
burch credits limited Estimated Valuation
Pomanda estimates the enterprise value of BURCH CREDITS LIMITED at £10.1k based on Net Assets of £5.5k and 1.83x industry multiple (adjusted for liquidity).
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Burch Credits Limited Overview
Burch Credits Limited is a live company located in bewdley, DY12 1SW with a Companies House number of 00672792. It operates in the other credit granting n.e.c. sector, SIC Code 64929. Founded in October 1960, it's largest shareholder is wollaston garage ltd with a 99.9% stake. Burch Credits Limited is a mature, micro sized company, Pomanda has estimated its turnover at £20.2k with rapid growth in recent years.
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Burch Credits Limited Health Check
Pomanda's financial health check has awarded Burch Credits Limited a 1.5 rating. We use a traffic light system to show it exceeds the industry average on 1 measures and has 6 areas for improvement. Company Health Check FAQs
1 Strong
3 Regular
6 Weak
Size
annual sales of £20.2k, make it smaller than the average company (£5.2m)
- Burch Credits Limited
£5.2m - Industry AVG
Growth
3 year (CAGR) sales growth of 50%, show it is growing at a faster rate (6.9%)
- Burch Credits Limited
6.9% - Industry AVG
Production
with a gross margin of 59.8%, this company has a comparable cost of product (59.8%)
- Burch Credits Limited
59.8% - Industry AVG
Profitability
an operating margin of -2.7% make it less profitable than the average company (25.3%)
- Burch Credits Limited
25.3% - Industry AVG
Employees
with 1 employees, this is below the industry average (5)
- Burch Credits Limited
5 - Industry AVG
Pay Structure
on an average salary of £67.5k, the company has an equivalent pay structure (£67.5k)
- Burch Credits Limited
£67.5k - Industry AVG
Efficiency
resulting in sales per employee of £20.2k, this is less efficient (£385.3k)
- Burch Credits Limited
£385.3k - Industry AVG
Debtor Days
it gets paid by customers after 253 days, this is later than average (178 days)
- Burch Credits Limited
178 days - Industry AVG
Creditor Days
its suppliers are paid after 3 days, this is quicker than average (17 days)
- Burch Credits Limited
17 days - Industry AVG
Stock Days
There is insufficient data available for this Key Performance Indicator!
- Burch Credits Limited
- - Industry AVG
Cash Balance
There is insufficient data available for this Key Performance Indicator!
- - Burch Credits Limited
- - Industry AVG
Debt Level
it has a ratio of liabilities to total assets of 91.9%, this is a similar level of debt than the average (86.9%)
91.9% - Burch Credits Limited
86.9% - Industry AVG
BURCH CREDITS LIMITED financials
Burch Credits Limited's latest turnover from February 2024 is estimated at £20.2 thousand and the company has net assets of £5.5 thousand. According to their latest financial statements, we estimate that Burch Credits Limited has 1 employee and maintains cash reserves of 0 as reported in the balance sheet.
Data source: Companies House, Pomanda Estimates
| Feb 2024 | Feb 2023 | Feb 2022 | Feb 2021 | Feb 2020 | Feb 2019 | Feb 2018 | Feb 2017 | Feb 2016 | Feb 2015 | Feb 2014 | Feb 2013 | Feb 2012 | Feb 2011 | Feb 2010 | |
|---|---|---|---|---|---|---|---|---|---|---|---|---|---|---|---|
| Turnover | 724 | 2,382 | 2,638 | ||||||||||||
| Other Income Or Grants | |||||||||||||||
| Cost Of Sales | |||||||||||||||
| Gross Profit | |||||||||||||||
| Admin Expenses | |||||||||||||||
| Operating Profit | -6,586 | -140,891 | 110 | ||||||||||||
| Interest Payable | 757 | 988 | 745 | ||||||||||||
| Interest Receivable | 0 | 0 | 1 | ||||||||||||
| Pre-Tax Profit | -7,343 | -141,879 | -634 | ||||||||||||
| Tax | 0 | 0 | 0 | ||||||||||||
| Profit After Tax | -7,343 | -141,879 | -634 | ||||||||||||
| Dividends Paid | 0 | 0 | 0 | ||||||||||||
| Retained Profit | -7,343 | -141,879 | -634 | ||||||||||||
| Employee Costs | 0 | 0 | 0 | ||||||||||||
| Number Of Employees | 3 | 3 | 3 | 3 | 4 | ||||||||||
| EBITDA* | -6,586 | -140,891 | 110 |
* Earnings Before Interest, Tax, Depreciation and Amortisation
| Feb 2024 | Feb 2023 | Feb 2022 | Feb 2021 | Feb 2020 | Feb 2019 | Feb 2018 | Feb 2017 | Feb 2016 | Feb 2015 | Feb 2014 | Feb 2013 | Feb 2012 | Feb 2011 | Feb 2010 | |
|---|---|---|---|---|---|---|---|---|---|---|---|---|---|---|---|
| Tangible Assets | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 |
| Intangible Assets | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 |
| Investments & Other | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 |
| Debtors (Due After 1 year) | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 26,183 | 27,093 | 27,605 |
| Total Fixed Assets | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 26,183 | 27,093 | 27,605 |
| Stock & work in progress | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 |
| Trade Debtors | 14,044 | 14,044 | 67,953 | 14,044 | 14,044 | 27,344 | 29,744 | 31,944 | 33,544 | 101,671 | 104,674 | 82,553 | 46,926 | 30,702 | 40,566 |
| Group Debtors | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 |
| Misc Debtors | 53,909 | 53,909 | 0 | 53,909 | 53,909 | 53,909 | 53,909 | 53,909 | 64,744 | 0 | 0 | 19,209 | 18,735 | 17,595 | 149,374 |
| Cash | 0 | 0 | 0 | 0 | 7 | 209 | 11 | 633 | 7 | 384 | 137 | 1,864 | 742 | 6,265 | 6,352 |
| misc current assets | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 |
| total current assets | 67,953 | 67,953 | 67,953 | 67,953 | 67,960 | 81,462 | 83,664 | 86,486 | 98,295 | 102,055 | 104,811 | 103,626 | 66,403 | 54,562 | 196,292 |
| total assets | 67,953 | 67,953 | 67,953 | 67,953 | 67,960 | 81,462 | 83,664 | 86,486 | 98,295 | 102,055 | 104,811 | 103,626 | 92,586 | 81,655 | 223,897 |
| Bank overdraft | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 |
| Bank loan | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 |
| Trade Creditors | 73 | 73 | 61,343 | 73 | 74 | 2,323 | 2,250 | 2,268 | 2,268 | 93,366 | 86,865 | 84,808 | 0 | 0 | 0 |
| Group/Directors Accounts | 53,067 | 52,516 | 0 | 51,410 | 50,359 | 58,892 | 61,038 | 63,695 | 78,840 | 0 | 0 | 0 | 70,456 | 25,795 | 37,670 |
| other short term finances | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 |
| hp & lease commitments | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 |
| other current liabilities | 9,307 | 9,307 | 0 | 9,823 | 9,787 | 11,707 | 10,747 | 9,847 | 9,847 | 0 | 0 | 0 | 1,862 | 9,854 | 1,196 |
| total current liabilities | 62,447 | 61,896 | 61,343 | 61,306 | 60,220 | 72,922 | 74,035 | 75,810 | 90,955 | 93,366 | 86,865 | 84,808 | 72,318 | 35,649 | 38,866 |
| loans | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 8,761 | 27,156 | 24,302 |
| hp & lease commitments | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 |
| Accruals and Deferred Income | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 |
| other liabilities | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 8,827 | 8,936 | 0 | 0 | 0 |
| provisions | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 |
| total long term liabilities | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 8,827 | 8,936 | 8,761 | 27,156 | 24,302 |
| total liabilities | 62,447 | 61,896 | 61,343 | 61,306 | 60,220 | 72,922 | 74,035 | 75,810 | 90,955 | 93,366 | 95,692 | 93,744 | 81,079 | 62,805 | 63,168 |
| net assets | 5,506 | 6,057 | 6,610 | 6,647 | 7,740 | 8,540 | 9,629 | 10,676 | 7,340 | 8,689 | 9,119 | 9,882 | 11,507 | 18,850 | 160,729 |
| total shareholders funds | 5,506 | 6,057 | 6,610 | 6,647 | 7,740 | 8,540 | 9,629 | 10,676 | 7,340 | 8,689 | 9,119 | 9,882 | 11,507 | 18,850 | 160,729 |
| Feb 2024 | Feb 2023 | Feb 2022 | Feb 2021 | Feb 2020 | Feb 2019 | Feb 2018 | Feb 2017 | Feb 2016 | Feb 2015 | Feb 2014 | Feb 2013 | Feb 2012 | Feb 2011 | Feb 2010 | |
|---|---|---|---|---|---|---|---|---|---|---|---|---|---|---|---|
| Operating Activities | |||||||||||||||
| Operating Profit | -6,586 | -140,891 | 110 | ||||||||||||
| Depreciation | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 |
| Amortisation | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 |
| Tax | 0 | 0 | 0 | ||||||||||||
| Stock | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 |
| Debtors | 0 | 0 | 0 | 0 | -13,300 | -2,400 | -2,200 | -12,435 | -3,383 | -3,003 | 2,912 | 9,918 | 16,454 | -142,155 | 217,545 |
| Creditors | 0 | -61,270 | 61,270 | -1 | -2,249 | 73 | -18 | 0 | -91,098 | 6,501 | 2,057 | 84,808 | 0 | 0 | 0 |
| Accruals and Deferred Income | 0 | 9,307 | -9,823 | 36 | -1,920 | 960 | 900 | 0 | 9,847 | 0 | 0 | -1,862 | -7,992 | 8,658 | 1,196 |
| Deferred Taxes & Provisions | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 |
| Cash flow from operations | -31,032 | 9,922 | -216,239 | ||||||||||||
| Investing Activities | |||||||||||||||
| capital expenditure | |||||||||||||||
| Change in Investments | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 |
| cash flow from investments | |||||||||||||||
| Financing Activities | |||||||||||||||
| Bank loans | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 |
| Group/Directors Accounts | 551 | 52,516 | -51,410 | 1,051 | -8,533 | -2,146 | -2,657 | -15,145 | 78,840 | 0 | 0 | -70,456 | 44,661 | -11,875 | 37,670 |
| Other Short Term Loans | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 |
| Long term loans | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | -8,761 | -18,395 | 2,854 | 24,302 |
| Hire Purchase and Lease Commitments | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 |
| other long term liabilities | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | -8,827 | -109 | 8,936 | 0 | 0 | 0 |
| share issue | |||||||||||||||
| interest | -757 | -988 | -744 | ||||||||||||
| cash flow from financing | 25,509 | -10,009 | 222,591 | ||||||||||||
| cash and cash equivalents | |||||||||||||||
| cash | 0 | 0 | 0 | -7 | -202 | 198 | -622 | 626 | -377 | 247 | -1,727 | 1,122 | -5,523 | -87 | 6,352 |
| overdraft | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 |
| change in cash | 0 | 0 | 0 | -7 | -202 | 198 | -622 | 626 | -377 | 247 | -1,727 | 1,122 | -5,523 | -87 | 6,352 |
burch credits limited Credit Report and Business Information
Burch Credits Limited Competitor Analysis
Perform a competitor analysis for burch credits limited by selecting its closest rivals, whether from the FINANCIAL AND INSURANCE ACTIVITIES sector, other micro companies, companies in DY12 area or any other competitors across 12 key performance metrics.
burch credits limited Ownership
BURCH CREDITS LIMITED group structure
Burch Credits Limited has no subsidiary companies.
burch credits limited directors
Burch Credits Limited currently has 2 directors. The longest serving directors include Mr John Heynes (Mar 1992) and Mr Mark Heynes (Apr 1993).
| officer | country | age | start | end | role |
|---|---|---|---|---|---|
| Mr John Heynes | 95 years | Mar 1992 | - | Director | |
| Mr Mark Heynes | 63 years | Apr 1993 | - | Director |
P&L
February 2024turnover
20.2k
+26%
operating profit
-551
0%
gross margin
59.9%
-8.14%
turnover
Turnover, or revenue, is the amount of sales generated by a company within the financial year.
Balance Sheet
February 2024net assets
5.5k
-0.09%
total assets
68k
0%
cash
0
0%
net assets
Total assets minus all liabilities
Similar Companies
burch credits limited company details
company number
00672792
Type
Private limited with Share Capital
industry
64929 - Other credit granting (not including credit granting by non-deposit taking finance houses and other specialist consumer credit grantors and activities of mortgage finance companies) n.e.c.
incorporation date
October 1960
age
65
incorporated
UK
ultimate parent company
accounts
Total Exemption Full
last accounts submitted
February 2024
previous names
N/A
accountant
GRIFFITHS AND PEGG LIMITED
auditor
-
address
hextons farm house, arley, bewdley, worcestershire, DY12 1SW
Bank
HSBC BANK PLC
Legal Advisor
-
burch credits 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 burch credits limited.
burch credits 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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burch credits limited Companies House Filings - See Documents
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