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.
Pomanda estimates the enterprise value of NAYLORS FINANCE LIMITED at £6.2m based on a Turnover of £4.7m and 1.31x industry multiple (adjusted for size and gross margin).
naylors finance limitedEstimated Valuation
£0
Pomanda estimates the enterprise value of NAYLORS FINANCE LIMITED at £0 based on an EBITDA of £-1.1m and a 4.78x industry multiple (adjusted for size and gross margin).
naylors finance limitedEstimated Valuation
£2.2m
Pomanda estimates the enterprise value of NAYLORS FINANCE LIMITED at £2.2m based on Net Assets of £1.2m and 1.89x industry multiple (adjusted for liquidity).
Edit your figures and get a professional valuation report.
Naylors Finance LimitedOverview
Naylors Finance Limited is a live company located in london, EC4M 7RB with a Companies House number of 01381758. It operates in the other credit granting n.e.c. sector, SIC Code 64929. Founded in August 1978, it's largest shareholder is
j & r naylors holdings limited
with a 100% stake. Naylors Finance Limited is a mature,
small sized company, Pomanda has estimated its turnover at
£4.7m with
declining
growth in recent years.
Pomanda's financial health check has awarded Naylors Finance Limited a 4.5 rating. We use a traffic light system to show it exceeds the industry average on 6 measures and has 3 areas for improvement. Company Health Check FAQs
Health Rating4.5out of 5
6 Strong
1 Regular
3 Weak
Size
annual sales of £4.7m, make it larger than the average company (£3.2m)
£4.7m - Naylors Finance Limited
£3.2m - Industry AVG
Growth
3 year (CAGR) sales growth of -34%, show it is growing at a slower rate (3.6%)
-34% - Naylors Finance Limited
3.6% - Industry AVG
Production
with a gross margin of 55.9%, this company has a comparable cost of product (68.7%)
55.9% - Naylors Finance Limited
68.7% - Industry AVG
Profitability
an operating margin of -29.2% make it less profitable than the average company (18.8%)
-29.2% - Naylors Finance Limited
18.8% - Industry AVG
Employees
with 39 employees, this is above the industry average (6)
39 - Naylors Finance Limited
6 - Industry AVG
Pay Structure
on an average salary of £41.2k, the company has a lower pay structure (£62.8k)
£41.2k - Naylors Finance Limited
£62.8k - Industry AVG
Efficiency
resulting in sales per employee of £120.6k, this is less efficient (£351.2k)
£120.6k - Naylors Finance Limited
£351.2k - Industry AVG
Debtor Days
it gets paid by customers after 102 days, this is earlier than average (291 days)
102 days - Naylors Finance Limited
291 days - Industry AVG
Creditor Days
There is insufficient data available for this Key Performance Indicator!
- - Naylors Finance Limited
- - Industry AVG
Stock Days
There is insufficient data available for this Key Performance Indicator!
- - Naylors Finance Limited
- - Industry AVG
Cash Balance
has cash to cover current liabilities
for 55 weeks, this is more cash available to meet short term requirements (14 weeks)
55 weeks - Naylors Finance Limited
14 weeks - Industry AVG
Debt Level
it has a ratio of liabilities to total assets of 65.3%, this is a lower level of debt than the average (92.4%)
65.3% - Naylors Finance Limited
92.4% - Industry AVG
NAYLORS FINANCE LIMITED financials
EXPORT
Naylors Finance Limited's latest turnover from July 2022 is £4.7 million and the company has net assets of £1.2 million. According to their latest financial statements, Naylors Finance Limited has 39 employees and maintains cash reserves of £1.1 million as reported in the balance sheet.
Data source:Companies House, Pomanda Estimates
Jul 2022
Jul 2021
Jul 2020
Jul 2019
Jul 2018
Jul 2017
Jul 2016
Jul 2015
Jul 2014
Aug 2013
Aug 2012
Jul 2011
Jul 2010
Jul 2009
Turnover
4,702,910
10,978,258
13,600,712
16,731,588
15,091,874
13,361,122
12,929,501
12,586,854
13,854,714
12,427,939
11,989,203
11,687,824
11,082,473
11,200,809
Other Income Or Grants
Cost Of Sales
2,076,124
1,995,346
3,231,877
4,916,450
4,672,140
4,040,043
3,859,684
3,880,621
4,592,190
4,273,196
4,165,564
4,264,011
4,260,966
4,195,661
Gross Profit
2,626,786
8,982,912
10,368,835
11,815,138
10,419,734
9,321,079
9,069,817
8,706,233
9,262,524
8,154,743
7,823,639
7,423,813
6,821,507
7,005,148
Admin Expenses
4,000,276
5,146,544
4,914,242
5,915,678
4,829,979
4,337,368
4,743,965
6,309,637
6,525,496
5,083,178
5,104,740
4,598,948
5,303,707
5,479,912
Operating Profit
-1,373,490
3,836,368
5,454,593
5,899,460
5,589,755
4,983,711
4,325,852
2,396,596
2,737,028
3,071,565
2,718,899
2,824,865
1,517,800
1,525,236
Interest Payable
16,502
49,668
130,350
133,356
138,715
97,992
96,316
63,038
96,746
91,397
88,287
84,747
95,346
156,697
Interest Receivable
709
1,925
36,783
44,879
28,086
37,948
13,133
Pre-Tax Profit
-1,389,992
3,786,700
5,324,243
5,766,104
5,451,040
4,885,719
4,230,245
2,335,483
2,677,065
3,025,047
2,658,698
2,778,066
1,422,454
1,381,672
Tax
207,921
-695,985
-980,740
-1,099,290
-924,534
-917,077
-849,000
-481,630
-189,015
-722,902
-692,720
-761,412
-740,344
-396,289
Profit After Tax
-1,182,071
3,090,715
4,343,503
4,666,814
4,526,506
3,968,642
3,381,245
1,853,853
2,488,050
2,302,145
1,965,978
2,016,654
682,110
985,383
Dividends Paid
1,577,600
3,533,200
4,683,500
5,431,000
4,515,500
4,320,000
8,442,100
2,587,550
1,241,280
1,437,413
1,169,333
1,238,554
585,840
59,785
Retained Profit
-2,759,671
-442,485
-339,997
-764,186
11,006
-351,358
-5,060,855
-733,697
1,246,770
864,732
796,645
778,100
96,270
925,598
Employee Costs
1,604,915
1,545,414
1,651,966
1,447,548
1,322,738
1,451,577
1,559,935
1,678,667
2,355,082
1,782,746
1,697,582
1,716,616
1,564,609
2,423,428
Number Of Employees
39
42
46
41
39
42
56
56
64
63
60
63
56
61
EBITDA*
-1,116,979
4,146,106
6,089,878
6,744,177
6,360,188
5,715,582
5,091,177
3,471,995
3,738,593
4,025,803
3,451,283
3,662,594
1,979,728
2,259,046
* Earnings Before Interest, Tax, Depreciation and Amortisation
Jul 2022
Jul 2021
Jul 2020
Jul 2019
Jul 2018
Jul 2017
Jul 2016
Jul 2015
Jul 2014
Aug 2013
Aug 2012
Jul 2011
Jul 2010
Jul 2009
Tangible Assets
554,390
892,590
1,273,574
1,630,214
2,512,808
1,769,948
1,951,773
3,296,424
2,897,441
3,634,733
2,453,939
2,888,955
2,291,446
2,430,048
Intangible Assets
Investments & Other
Debtors (Due After 1 year)
Total Fixed Assets
554,390
892,590
1,273,574
1,630,214
2,512,808
1,769,948
1,951,773
3,296,424
2,897,441
3,634,733
2,453,939
2,888,955
2,291,446
2,430,048
Stock & work in progress
130,088
105,255
102,087
Trade Debtors
1,314,632
4,242,552
6,792,558
7,965,346
8,027,336
6,835,421
6,952,401
7,271,668
8,285,883
8,178,715
7,661,015
7,931,583
7,417,304
7,382,489
Group Debtors
Misc Debtors
450,786
122,665
274,206
613,646
499,148
281,118
202,370
191,917
164,394
213,658
114,894
138,882
151,459
74,323
Cash
1,076,330
868,881
1,120,078
1,663,772
2,141,726
3,151,538
1,752,008
2,158,858
2,043,498
1,498,550
1,347,040
1,101,385
464,046
574,986
misc current assets
total current assets
2,841,748
5,234,098
8,186,842
10,242,764
10,668,210
10,268,077
8,906,779
9,622,443
10,493,775
9,890,923
9,122,949
9,301,938
8,138,064
8,133,885
total assets
3,396,138
6,126,688
9,460,416
11,872,978
13,181,018
12,038,025
10,858,552
12,918,867
13,391,216
13,525,656
11,576,888
12,190,893
10,429,510
10,563,933
Bank overdraft
Bank loan
Trade Creditors
11,176
3,889
3,133
3,265
10,096
13,329
Group/Directors Accounts
4,400,000
668,399
other short term finances
hp & lease commitments
83,049
481,329
602,253
358,321
741,411
812,700
1,263,066
776,904
1,208,895
442,561
1,001,868
other current liabilities
1,001,761
689,640
660,883
1,170,399
2,296,562
2,068,686
1,688,102
1,007,830
1,069,241
1,067,702
1,578,160
1,774,741
2,258,831
969,117
total current liabilities
1,001,761
689,640
5,060,883
1,253,448
2,777,891
2,670,939
2,046,423
1,749,241
1,893,117
2,334,657
2,358,197
2,986,901
2,711,488
2,652,713
loans
517,000
1,500,000
5,880,000
4,840,000
3,774,000
2,890,000
hp & lease commitments
59,411
100,376
60,061
195,703
818,064
23,094
783,039
97,170
377,392
Accruals and Deferred Income
other liabilities
provisions
700,000
18,000
69,000
191,000
312,606
22,001
9,246
total long term liabilities
1,217,000
1,500,000
5,880,000
4,899,411
3,874,376
2,968,061
264,703
191,000
1,130,670
23,094
805,040
97,170
386,638
total liabilities
2,218,761
2,189,640
5,060,883
7,133,448
7,677,302
6,545,315
5,014,484
2,013,944
2,084,117
3,465,327
2,381,291
3,791,941
2,808,658
3,039,351
net assets
1,177,377
3,937,048
4,399,533
4,739,530
5,503,716
5,492,710
5,844,068
10,904,923
11,307,099
10,060,329
9,195,597
8,398,952
7,620,852
7,524,582
total shareholders funds
1,177,377
3,937,048
4,399,533
4,739,530
5,503,716
5,492,710
5,844,068
10,904,923
11,307,099
10,060,329
9,195,597
8,398,952
7,620,852
7,524,582
Jul 2022
Jul 2021
Jul 2020
Jul 2019
Jul 2018
Jul 2017
Jul 2016
Jul 2015
Jul 2014
Aug 2013
Aug 2012
Jul 2011
Jul 2010
Jul 2009
Operating Activities
Operating Profit
-1,373,490
3,836,368
5,454,593
5,899,460
5,589,755
4,983,711
4,325,852
2,396,596
2,737,028
3,071,565
2,718,899
2,824,865
1,517,800
1,525,236
Depreciation
256,511
309,738
635,285
844,717
770,433
731,871
765,325
1,075,399
1,001,565
954,238
732,384
837,729
461,928
733,810
Amortisation
Tax
207,921
-695,985
-980,740
-1,099,290
-924,534
-917,077
-849,000
-481,630
-189,015
-722,902
-692,720
-761,412
-740,344
-396,289
Stock
-130,088
24,833
3,168
102,087
Debtors
-2,599,799
-2,701,547
-1,512,228
52,508
1,409,945
-38,232
-308,814
-986,692
57,904
616,464
-294,556
501,702
111,951
7,456,812
Creditors
-11,176
7,287
756
-132
-6,831
-3,233
13,329
Accruals and Deferred Income
312,121
28,757
-509,516
-1,126,163
227,876
380,584
680,272
-61,411
1,539
-510,458
-196,581
-484,090
1,289,714
969,117
Deferred Taxes & Provisions
700,000
-18,000
-51,000
-122,000
-121,606
312,606
-22,001
22,001
-9,246
9,246
Cash flow from operations
2,702,862
6,180,425
6,111,850
4,466,216
4,253,585
5,199,321
5,180,263
3,782,470
3,378,894
2,489,341
2,964,493
1,905,727
2,401,500
-4,704,450
Investing Activities
capital expenditure
81,689
71,246
-278,645
37,877
-1,513,293
-550,046
579,326
-1,075,722
-122,888
-1,918,286
-267,630
-1,217,013
-85,596
161,108
Change in Investments
cash flow from investments
81,689
71,246
-278,645
37,877
-1,513,293
-550,046
579,326
-1,075,722
-122,888
-1,918,286
-267,630
-1,217,013
-85,596
161,108
Financing Activities
Bank loans
Group/Directors Accounts
-4,400,000
4,400,000
-668,399
668,399
Other Short Term Loans
Long term loans
-983,000
1,500,000
-5,880,000
1,040,000
1,066,000
884,000
2,890,000
Hire Purchase and Lease Commitments
-83,049
-457,691
-161,889
284,247
-518,732
124,414
-1,268,430
1,281,132
-1,191,936
1,452,203
-839,529
1,379,260
other long term liabilities
share issue
-20,000
331,521
6,598,984
interest
-16,502
-49,668
-130,350
-133,356
-138,715
-97,992
-95,607
-61,113
-59,963
-46,518
-60,201
-46,799
-95,346
-143,564
cash flow from financing
-999,502
-2,969,668
-1,693,399
448,953
765,396
1,070,255
2,275,661
394,822
-1,328,393
1,234,614
-1,252,137
1,405,404
-1,603,274
8,503,079
cash and cash equivalents
cash
207,449
-251,197
-543,694
-477,954
-1,009,812
1,399,530
-406,850
115,360
544,948
151,510
245,655
637,339
-110,940
574,986
overdraft
change in cash
207,449
-251,197
-543,694
-477,954
-1,009,812
1,399,530
-406,850
115,360
544,948
151,510
245,655
637,339
-110,940
574,986
naylors finance limited Credit Report and Business Information
Very Low Risk70 - 100
Low Risk50 - 70
Moderate Risk30 - 50
High Risk20 - 30
Very High Risk0 - 20
Get a comprehensive credit check for naylors finance limited. Get real-time insights into naylors finance limited's credit score, group structure and payment trends.
Perform a competitor analysis for naylors finance limited by selecting its closest rivals, whether from the FINANCIAL AND INSURANCE ACTIVITIES sector, other small companies, companies in EC4M area or any other competitors across 12 key performance metrics.
naylors finance limited Ownership
NAYLORS FINANCE LIMITED group structure
Naylors Finance Limited has no subsidiary companies.
The sole shareholder of Naylors Finance Limited is J & R Naylors Holdings Limited.
j & r naylors holdings limited
100%
naylors finance limited directors
Naylors Finance Limited currently has 2 directors.
The longest serving directors include
Mr Roger Tranter (Apr 2006) and
Mr Stephen Tranter (Nov 2014).
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.
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 6 charges/mortgages relating to naylors finance limited. Currently there are 1 open charges and 5 have been satisfied in the past.
naylors 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 NAYLORS FINANCE LIMITED. This can take several minutes, an email will notify you when this has completed.
naylors finance limitedCompanies House Filings - See Documents
