bluestone consumer finance limited
bluestone consumer finance limited Company Information
Company Number
01028803
Next Accounts
Mar 2026
Shareholders
bluestone investment holdings limited
Group Structure
View All
Industry
Other business support service activities n.e.c.
Registered Address
westfield house 60 charter row, sheffield, S1 3FZ
Website
www.paybluestone.co.ukbluestone consumer finance limited Estimated Valuation
Pomanda estimates the enterprise value of BLUESTONE CONSUMER FINANCE LIMITED at £2.7m based on a Turnover of £4.5m and 0.61x industry multiple (adjusted for size and gross margin).
bluestone consumer finance limited Estimated Valuation
Pomanda estimates the enterprise value of BLUESTONE CONSUMER FINANCE LIMITED at £2.9m based on an EBITDA of £665k and a 4.4x industry multiple (adjusted for size and gross margin).
bluestone consumer finance limited Estimated Valuation
Pomanda estimates the enterprise value of BLUESTONE CONSUMER FINANCE LIMITED at £2.5m based on Net Assets of £1.1m and 2.3x industry multiple (adjusted for liquidity).
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Bluestone Consumer Finance Limited Overview
Bluestone Consumer Finance Limited is a live company located in sheffield, S1 3FZ with a Companies House number of 01028803. It operates in the other business support service activities n.e.c. sector, SIC Code 82990. Founded in October 1971, it's largest shareholder is bluestone investment holdings limited with a 100% stake. Bluestone Consumer Finance Limited is a mature, small sized company, Pomanda has estimated its turnover at £4.5m with healthy growth in recent years.
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Bluestone Consumer Finance Limited Health Check
Pomanda's financial health check has awarded Bluestone Consumer Finance Limited a 4 rating. We use a traffic light system to show it exceeds the industry average on 4 measures and has 3 areas for improvement. Company Health Check FAQs
4 Strong
3 Regular
3 Weak
Size
annual sales of £4.5m, make it in line with the average company (£4.3m)
£4.5m - Bluestone Consumer Finance Limited
£4.3m - Industry AVG
Growth
3 year (CAGR) sales growth of 7%, show it is growing at a slower rate (9.2%)
7% - Bluestone Consumer Finance Limited
9.2% - Industry AVG
Production
with a gross margin of 37.8%, this company has a comparable cost of product (37.8%)
37.8% - Bluestone Consumer Finance Limited
37.8% - Industry AVG
Profitability
an operating margin of 14.3% make it more profitable than the average company (5.5%)
14.3% - Bluestone Consumer Finance Limited
5.5% - Industry AVG
Employees
with 61 employees, this is above the industry average (26)
61 - Bluestone Consumer Finance Limited
26 - Industry AVG
Pay Structure
on an average salary of £37k, the company has a lower pay structure (£51.1k)
£37k - Bluestone Consumer Finance Limited
£51.1k - Industry AVG
Efficiency
resulting in sales per employee of £73.1k, this is less efficient (£158.4k)
£73.1k - Bluestone Consumer Finance Limited
£158.4k - Industry AVG
Debtor Days
it gets paid by customers after 34 days, this is near the average (38 days)
34 days - Bluestone Consumer Finance Limited
38 days - Industry AVG
Creditor Days
There is insufficient data available for this Key Performance Indicator!
- - Bluestone Consumer Finance Limited
- - Industry AVG
Stock Days
There is insufficient data available for this Key Performance Indicator!
- - Bluestone Consumer Finance Limited
- - Industry AVG
Cash Balance
has cash to cover current liabilities for 60 weeks, this is more cash available to meet short term requirements (24 weeks)
60 weeks - Bluestone Consumer Finance Limited
24 weeks - Industry AVG
Debt Level
it has a ratio of liabilities to total assets of 72%, this is a higher level of debt than the average (60%)
72% - Bluestone Consumer Finance Limited
60% - Industry AVG
BLUESTONE CONSUMER FINANCE LIMITED financials
Bluestone Consumer Finance Limited's latest turnover from June 2024 is £4.5 million and the company has net assets of £1.1 million. According to their latest financial statements, Bluestone Consumer Finance Limited has 61 employees and maintains cash reserves of £3.2 million as reported in the balance sheet.
Data source: Companies House, Pomanda Estimates
| Jun 2024 | Jun 2023 | Jun 2022 | Jun 2021 | Jun 2020 | Jun 2019 | Jun 2018 | Jun 2017 | Jun 2016 | Jun 2015 | Jun 2014 | Jun 2013 | Jun 2012 | Jul 2011 | Jul 2010 | Jul 2009 | |
|---|---|---|---|---|---|---|---|---|---|---|---|---|---|---|---|---|
| Turnover | 4,456,862 | 4,303,466 | 3,770,204 | 3,647,983 | 3,066,990 | 3,373,232 | 2,278,373 | 2,423,016 | 2,711,690 | 2,614,596 | 5,400,000 | 8,656,000 | 7,606,000 | 6,480,000 | 6,126,000 | 6,801,000 |
| Other Income Or Grants | ||||||||||||||||
| Cost Of Sales | 351,000 | 51,000 | 8,000 | |||||||||||||
| Gross Profit | 6,129,000 | 6,075,000 | 6,793,000 | |||||||||||||
| Admin Expenses | 5,479,000 | 4,982,000 | 5,736,000 | |||||||||||||
| Operating Profit | 637,428 | 646,194 | 293,576 | 19,996 | -1,609,378 | -1,366,253 | -1,396,230 | -1,052,270 | -1,134,915 | -2,658,539 | -98,000 | 3,161,000 | 1,140,000 | 650,000 | 1,093,000 | 1,057,000 |
| Interest Payable | 176,197 | 247,289 | 157,711 | 89,380 | 34,579 | 16,672 | 39,001 | 43,856 | 57,677 | 64,771 | 57,000 | 69,000 | 44,000 | |||
| Interest Receivable | 15 | 25 | 26 | 2,603 | 632 | 841 | 2,000 | 3,000 | 4,000 | 6,000 | 163,000 | 36,000 | ||||
| Pre-Tax Profit | 461,231 | 398,905 | 135,865 | -69,384 | -1,643,942 | -1,382,900 | -1,435,205 | -1,093,523 | -1,191,960 | -2,722,469 | -153,000 | 3,095,000 | 1,100,000 | 656,000 | 1,256,000 | 1,093,000 |
| Tax | -30,100 | -332,768 | -287,437 | 546,618 | 246,385 | 211,124 | -195,583 | -346,582 | 304,779 | 596,246 | 15,000 | -638,000 | -312,000 | -180,000 | -308,000 | -311,000 |
| Profit After Tax | 431,131 | 66,137 | -151,572 | 477,234 | -1,397,557 | -1,171,776 | -1,630,788 | -1,440,105 | -887,181 | -2,126,223 | -138,000 | 2,457,000 | 788,000 | 476,000 | 948,000 | 782,000 |
| Dividends Paid | 88,197 | 2,800,000 | 2,212,000 | 100,000 | 400,000 | |||||||||||
| Retained Profit | 431,131 | -22,060 | -151,572 | 477,234 | -1,397,557 | -1,171,776 | -1,630,788 | -1,440,105 | -887,181 | -2,126,223 | -138,000 | -343,000 | -1,424,000 | 376,000 | 548,000 | 782,000 |
| Employee Costs | 2,254,615 | 2,075,189 | 1,782,520 | 455,042 | 3,116,056 | 3,512,000 | 4,403,000 | 3,905,000 | 3,977,000 | 3,697,000 | 3,904,000 | |||||
| Number Of Employees | 61 | 61 | 68 | 65 | 75 | 132 | 132 | 171 | 164 | 164 | 165 | 156 | ||||
| EBITDA* | 665,001 | 695,092 | 343,493 | 39,155 | -1,587,459 | -1,310,387 | -1,093,949 | -655,321 | -845,083 | -2,486,670 | 96,000 | 3,358,000 | 1,311,000 | 797,000 | 1,298,000 | 1,298,000 |
* Earnings Before Interest, Tax, Depreciation and Amortisation
| Jun 2024 | Jun 2023 | Jun 2022 | Jun 2021 | Jun 2020 | Jun 2019 | Jun 2018 | Jun 2017 | Jun 2016 | Jun 2015 | Jun 2014 | Jun 2013 | Jun 2012 | Jul 2011 | Jul 2010 | Jul 2009 | |
|---|---|---|---|---|---|---|---|---|---|---|---|---|---|---|---|---|
| Tangible Assets | 35,009 | 30,514 | 466,788 | 1,134,588 | 250,000 | 271,918 | 327,784 | 844,851 | 1,183,658 | 2,603,357 | 488,000 | 225,000 | 260,000 | 1,415,000 | 408,000 | 296,000 |
| Intangible Assets | 6,914 | 4,311 | 941,000 | 274,000 | 106,000 | 8,000 | ||||||||||
| Investments & Other | 3 | 3 | 1 | 250,000 | 250,001 | 250,001 | 574,603 | 1,741,601 | 1,129,815 | 250,000 | ||||||
| Debtors (Due After 1 year) | 202,608 | 520,415 | 1,095,000 | 532,000 | ||||||||||||
| Total Fixed Assets | 35,009 | 30,517 | 271,094 | 618,484 | 250,000 | 271,918 | 327,784 | 1,419,454 | 2,925,259 | 2,603,357 | 1,679,000 | 499,000 | 366,000 | 1,423,000 | 1,503,000 | 828,000 |
| Stock & work in progress | ||||||||||||||||
| Trade Debtors | 422,375 | 533,498 | 477,638 | 475,688 | 308,572 | 240,642 | 312,914 | 268,766 | 236,781 | 353,801 | 272,000 | 650,000 | 537,000 | 687,000 | 648,000 | 1,247,000 |
| Group Debtors | 14,279 | 1,887,953 | 1,963,664 | 3,567,728 | 580,000 | 443,000 | 157,000 | 130,000 | 49,000 | 20,000 | ||||||
| Misc Debtors | 165,092 | 72,416 | 88,601 | 100,205 | 62,181 | 146,675 | 245,863 | 233,039 | 580,393 | 607,989 | 391,000 | 281,000 | 317,000 | 206,000 | 921,000 | 479,000 |
| Cash | 3,191,394 | 2,440,663 | 2,884,971 | 1,299,491 | 879,799 | 1,262,946 | 2,537,526 | 1,942,034 | 1,768,327 | 516,936 | 1,495,000 | 851,000 | 1,251,000 | 1,934,000 | 2,508,000 | 2,684,000 |
| misc current assets | 53,842 | 116,362 | 2,144,244 | 947,000 | 1,240,000 | 2,096,000 | 1,264,000 | |||||||||
| total current assets | 3,793,140 | 4,934,530 | 3,535,422 | 3,955,410 | 4,818,280 | 1,650,263 | 3,096,303 | 2,443,839 | 2,585,501 | 3,622,970 | 3,685,000 | 3,465,000 | 4,358,000 | 4,221,000 | 4,126,000 | 4,430,000 |
| total assets | 3,828,149 | 4,965,047 | 3,806,516 | 4,573,894 | 5,068,280 | 1,922,181 | 3,424,087 | 3,863,293 | 5,510,760 | 6,226,327 | 5,364,000 | 3,964,000 | 4,724,000 | 5,644,000 | 5,629,000 | 5,258,000 |
| Bank overdraft | ||||||||||||||||
| Bank loan | ||||||||||||||||
| Trade Creditors | 66,584 | 66,572 | 559,361 | 203,093 | 96,000 | 97,000 | 193,000 | 44,000 | 71,000 | 221,000 | ||||||
| Group/Directors Accounts | 37,654 | 2,002,059 | 4,521,682 | 4,132,467 | 1,552,000 | 25,000 | 617,000 | 635,000 | ||||||||
| other short term finances | 1,725,008 | |||||||||||||||
| hp & lease commitments | ||||||||||||||||
| other current liabilities | 2,720,245 | 2,323,870 | 3,264,518 | 3,988,008 | 6,567,234 | 8,018,734 | 8,282,280 | 2,569,028 | 947,808 | 6,989,937 | 2,557,000 | 2,545,000 | 2,891,000 | 2,536,000 | 2,253,000 | 2,262,000 |
| total current liabilities | 2,757,899 | 4,325,929 | 3,264,518 | 3,988,008 | 6,567,234 | 8,018,734 | 8,348,864 | 7,157,282 | 7,364,644 | 7,193,030 | 4,205,000 | 2,667,000 | 3,084,000 | 2,580,000 | 2,941,000 | 3,118,000 |
| loans | ||||||||||||||||
| hp & lease commitments | ||||||||||||||||
| Accruals and Deferred Income | ||||||||||||||||
| other liabilities | ||||||||||||||||
| provisions | ||||||||||||||||
| total long term liabilities | ||||||||||||||||
| total liabilities | 2,757,899 | 4,325,929 | 3,264,518 | 3,988,008 | 6,567,234 | 8,018,734 | 8,348,864 | 7,157,282 | 7,364,644 | 7,193,030 | 4,205,000 | 2,667,000 | 3,084,000 | 2,580,000 | 2,941,000 | 3,118,000 |
| net assets | 1,070,250 | 639,118 | 541,998 | 585,886 | -1,498,954 | -6,096,553 | -4,924,777 | -3,293,989 | -1,853,884 | -966,703 | 1,159,000 | 1,297,000 | 1,640,000 | 3,064,000 | 2,688,000 | 2,140,000 |
| total shareholders funds | 1,070,250 | 639,118 | 541,998 | 585,886 | -1,498,954 | -6,096,553 | -4,924,777 | -3,293,989 | -1,853,884 | -966,703 | 1,159,000 | 1,297,000 | 1,640,000 | 3,064,000 | 2,688,000 | 2,140,000 |
| Jun 2024 | Jun 2023 | Jun 2022 | Jun 2021 | Jun 2020 | Jun 2019 | Jun 2018 | Jun 2017 | Jun 2016 | Jun 2015 | Jun 2014 | Jun 2013 | Jun 2012 | Jul 2011 | Jul 2010 | Jul 2009 | |
|---|---|---|---|---|---|---|---|---|---|---|---|---|---|---|---|---|
| Operating Activities | ||||||||||||||||
| Operating Profit | 637,428 | 646,194 | 293,576 | 19,996 | -1,609,378 | -1,366,253 | -1,396,230 | -1,052,270 | -1,134,915 | -2,658,539 | -98,000 | 3,161,000 | 1,140,000 | 650,000 | 1,093,000 | 1,057,000 |
| Depreciation | 27,573 | 48,898 | 49,917 | 19,159 | 21,919 | 55,866 | 302,281 | 396,949 | 289,832 | 171,869 | 197,000 | 128,000 | 120,000 | 133,000 | 205,000 | 241,000 |
| Amortisation | -3,000 | 69,000 | 51,000 | 14,000 | ||||||||||||
| Tax | -30,100 | -332,768 | -287,437 | 546,618 | 246,385 | 211,124 | -195,583 | -346,582 | 304,779 | 596,246 | 15,000 | -638,000 | -312,000 | -180,000 | -308,000 | -311,000 |
| Stock | ||||||||||||||||
| Debtors | -1,892,121 | 1,725,020 | -2,291,125 | -878,509 | 3,551,164 | -171,460 | 56,972 | -315,369 | -144,616 | -281,210 | -131,000 | 363,000 | -12,000 | -1,690,000 | 435,000 | 2,278,000 |
| Creditors | -66,584 | 12 | -492,789 | 356,268 | 107,093 | -1,000 | -96,000 | 149,000 | -27,000 | -150,000 | 221,000 | |||||
| Accruals and Deferred Income | 396,375 | -940,648 | -723,490 | -2,579,226 | -1,451,500 | -263,546 | 5,713,252 | 1,621,220 | -6,042,129 | 4,432,937 | 12,000 | -346,000 | 355,000 | 283,000 | -9,000 | 2,262,000 |
| Deferred Taxes & Provisions | ||||||||||||||||
| Cash flow from operations | 2,923,397 | -2,303,344 | 1,623,691 | -1,114,944 | -6,343,738 | -1,257,933 | 4,366,760 | 441,897 | -6,081,549 | 2,930,816 | 253,000 | 1,915,000 | 1,515,000 | 2,563,000 | 396,000 | 1,192,000 |
| Investing Activities | ||||||||||||||||
| capital expenditure | ||||||||||||||||
| Change in Investments | -3 | 2 | -249,999 | -1 | -324,602 | -1,166,998 | 611,786 | 879,815 | 250,000 | |||||||
| cash flow from investments | 3 | |||||||||||||||
| Financing Activities | ||||||||||||||||
| Bank loans | ||||||||||||||||
| Group/Directors Accounts | -1,964,405 | 2,002,059 | -4,521,682 | 389,215 | 4,132,467 | -1,552,000 | 1,527,000 | 25,000 | -617,000 | -18,000 | 635,000 | |||||
| Other Short Term Loans | -1,725,008 | 1,725,008 | ||||||||||||||
| Long term loans | ||||||||||||||||
| Hire Purchase and Lease Commitments | ||||||||||||||||
| other long term liabilities | ||||||||||||||||
| share issue | ||||||||||||||||
| interest | -176,197 | -247,289 | -157,711 | -89,380 | -34,564 | -16,647 | -38,975 | -41,253 | -57,045 | -63,930 | -55,000 | -66,000 | -40,000 | 6,000 | 163,000 | 36,000 |
| cash flow from financing | -2,140,601 | 1,873,950 | -50,027 | 1,518,226 | 5,960,592 | -16,647 | -4,560,657 | -1,377,046 | 5,800,430 | -1,615,410 | 1,472,000 | -41,000 | -40,000 | -611,000 | 145,000 | 2,029,000 |
| cash and cash equivalents | ||||||||||||||||
| cash | 750,731 | -444,308 | 1,585,480 | 419,692 | -383,147 | -1,274,580 | 595,492 | 173,707 | 1,251,391 | -978,064 | 644,000 | -400,000 | -683,000 | -574,000 | -176,000 | 2,684,000 |
| overdraft | ||||||||||||||||
| change in cash | 750,731 | -444,308 | 1,585,480 | 419,692 | -383,147 | -1,274,580 | 595,492 | 173,707 | 1,251,391 | -978,064 | 644,000 | -400,000 | -683,000 | -574,000 | -176,000 | 2,684,000 |
bluestone consumer finance limited Credit Report and Business Information
Bluestone Consumer Finance Limited Competitor Analysis
Perform a competitor analysis for bluestone consumer finance limited by selecting its closest rivals, whether from the ADMINISTRATIVE AND SUPPORT SERVICE ACTIVITIES sector, other small companies, companies in S 1 area or any other competitors across 12 key performance metrics.
bluestone consumer finance limited Ownership
BLUESTONE CONSUMER FINANCE LIMITED group structure
Bluestone Consumer Finance Limited has 5 subsidiary companies.
Ultimate parent company
1 parent
BLUESTONE CONSUMER FINANCE LIMITED
01028803
5 subsidiaries
bluestone consumer finance limited directors
Bluestone Consumer Finance Limited currently has 5 directors. The longest serving directors include Mr Peter McGuinness (Apr 2014) and Mr Peter McGuinness (Apr 2014).
| officer | country | age | start | end | role |
|---|---|---|---|---|---|
| Mr Peter McGuinness | United Kingdom | 55 years | Apr 2014 | - | Director |
| Mr Peter McGuinness | England | 55 years | Apr 2014 | - | Director |
| Mrs Deborah Stokes | United Kingdom | 51 years | Jun 2016 | - | Director |
| Mr Alistair Jeffery | United Kingdom | 58 years | Mar 2019 | - | Director |
| Mrs Rebecca Neves | United Kingdom | 35 years | Jul 2024 | - | Director |
P&L
June 2024turnover
4.5m
+4%
operating profit
637.4k
-1%
gross margin
37.9%
+0.03%
turnover
Turnover, or revenue, is the amount of sales generated by a company within the financial year.
Balance Sheet
June 2024net assets
1.1m
+0.67%
total assets
3.8m
-0.23%
cash
3.2m
+0.31%
net assets
Total assets minus all liabilities
Similar Companies
bluestone consumer finance limited company details
company number
01028803
Type
Private limited with Share Capital
industry
82990 - Other business support service activities n.e.c.
incorporation date
October 1971
age
54
incorporated
UK
ultimate parent company
accounts
Group
last accounts submitted
June 2024
previous names
bluestone credit management limited (January 2020)
close credit management limited (November 2011)
accountant
-
auditor
GRANT THORNTON UK LLP
address
westfield house 60 charter row, sheffield, S1 3FZ
Bank
THE ROYAL BANK OF SCOTLAND PLC
Legal Advisor
-
bluestone consumer 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 found 2 charges/mortgages relating to bluestone consumer finance limited. Currently there are 0 open charges and 2 have been satisfied in the past.
bluestone consumer 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.
Click to start generating capital raising & share issue transactions for BLUESTONE CONSUMER FINANCE LIMITED. This can take several minutes, an email will notify you when this has completed.
bluestone consumer finance limited Companies House Filings - See Documents
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