Pomanda estimates the enterprise value of LOANGUARD LIMITED at £17.2m based on a Turnover of £20.5m and 0.84x industry multiple (adjusted for size and gross margin).
loanguard limitedEstimated Valuation
£5.2m
Pomanda estimates the enterprise value of LOANGUARD LIMITED at £5.2m based on an EBITDA of £626.1k and a 8.37x industry multiple (adjusted for size and gross margin).
loanguard limitedEstimated Valuation
£20.1m
Pomanda estimates the enterprise value of LOANGUARD LIMITED at £20.1m based on Net Assets of £9.4m and 2.13x industry multiple (adjusted for liquidity).
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Loanguard LimitedOverview
Loanguard Limited is a live company located in lichfield, WS13 8RZ with a Companies House number of 01468061. It operates in the other specialised construction activities n.e.c. sector, SIC Code 43999. Founded in December 1979, it's largest shareholder is
wjp holdings ltd
with a 100% stake. Loanguard Limited is a mature,
large sized company, Pomanda has estimated its turnover at
£20.5m with
healthy
growth in recent years.
Pomanda's financial health check has awarded Loanguard Limited a 4.5 rating. We use a traffic light system to show it exceeds the industry average on 6 measures and has 5 areas for improvement. Company Health Check FAQs
Health Rating4.5out of 5
6 Strong
1 Regular
5 Weak
Size
annual sales of £20.5m, make it larger than the average company (£7.3m)
£20.5m - Loanguard Limited
£7.3m - Industry AVG
Growth
3 year (CAGR) sales growth of 9%, show it is growing at a slower rate (11.2%)
9% - Loanguard Limited
11.2% - Industry AVG
Production
with a gross margin of 50.3%, this company has a lower cost of product (25%)
50.3% - Loanguard Limited
25% - Industry AVG
Profitability
an operating margin of 2.3% make it less profitable than the average company (6.5%)
2.3% - Loanguard Limited
6.5% - Industry AVG
Employees
with 133 employees, this is above the industry average (30)
133 - Loanguard Limited
30 - Industry AVG
Pay Structure
on an average salary of £46.7k, the company has an equivalent pay structure (£48.8k)
£46.7k - Loanguard Limited
£48.8k - Industry AVG
Efficiency
resulting in sales per employee of £154.3k, this is less efficient (£197.8k)
£154.3k - Loanguard Limited
£197.8k - Industry AVG
Debtor Days
it gets paid by customers after 84 days, this is later than average (54 days)
84 days - Loanguard Limited
54 days - Industry AVG
Creditor Days
its suppliers are paid after 87 days, this is slower than average (36 days)
87 days - Loanguard Limited
36 days - Industry AVG
Stock Days
it holds stock equivalent to 92 days, this is more than average (13 days)
92 days - Loanguard Limited
13 days - Industry AVG
Cash Balance
has cash to cover current liabilities
for 46 weeks, this is more cash available to meet short term requirements (21 weeks)
46 weeks - Loanguard Limited
21 weeks - Industry AVG
Debt Level
it has a ratio of liabilities to total assets of 27%, this is a lower level of debt than the average (60.9%)
27% - Loanguard Limited
60.9% - Industry AVG
LOANGUARD LIMITED financials
EXPORT
Loanguard Limited's latest turnover from March 2024 is £20.5 million and the company has net assets of £9.4 million. According to their latest financial statements, Loanguard Limited has 133 employees and maintains cash reserves of £3.1 million as reported in the balance sheet.
Data source:Companies House, Pomanda Estimates
Mar 2024
Mar 2023
Mar 2022
Mar 2021
Mar 2020
Mar 2019
Mar 2018
Mar 2017
Mar 2016
Mar 2015
Mar 2014
Mar 2013
Mar 2012
Mar 2011
Mar 2010
Turnover
20,515,353
18,538,730
17,642,334
15,997,967
18,927,690
20,697,666
16,667,610
18,705,429
14,638,072
13,482,706
10,220,234
11,450,041
10,361,714
9,469,305
8,416,595
Other Income Or Grants
Cost Of Sales
10,199,462
8,796,295
9,083,099
8,390,778
9,483,819
10,455,369
8,274,143
9,744,338
7,458,168
7,419,438
5,331,767
5,815,924
5,670,508
4,941,114
4,140,340
Gross Profit
10,315,891
9,742,435
8,559,235
7,607,189
9,443,871
10,242,297
8,393,467
8,961,091
7,179,904
6,063,268
4,888,467
5,634,117
4,691,206
4,528,191
4,276,255
Admin Expenses
9,851,163
9,686,638
7,967,704
7,348,803
9,044,786
9,091,726
8,029,565
7,429,625
6,532,135
5,794,898
4,789,937
5,063,493
4,304,310
3,948,700
3,746,830
Operating Profit
464,728
55,797
591,531
258,386
399,085
1,150,571
363,902
1,531,466
647,769
268,370
98,530
570,624
386,896
579,491
529,425
Interest Payable
1,770
1,287
2,045
Interest Receivable
82,470
2,148
56
81
49
89
652
1,061
773
1,133
Pre-Tax Profit
547,198
57,945
591,531
258,386
399,085
1,150,571
363,902
1,531,522
646,080
267,132
96,574
571,276
387,957
580,264
530,558
Tax
-46,341
273,660
75,515
24,764
76,228
-61,600
-39,655
-195,824
-37,217
13,477
64,579
-50,633
-55,304
-115,524
-102,620
Profit After Tax
500,857
331,605
667,046
283,150
475,313
1,088,971
324,247
1,335,698
608,863
280,609
161,153
520,643
332,653
464,740
427,938
Dividends Paid
Retained Profit
500,857
331,605
667,046
283,150
475,313
1,088,971
324,247
1,335,698
608,863
280,609
161,153
520,643
332,653
464,740
427,938
Employee Costs
6,215,228
5,699,429
4,485,397
5,060,802
5,431,254
5,267,192
4,726,549
4,497,889
3,963,917
3,297,093
2,397,431
2,401,622
2,062,057
1,744,163
1,505,920
Number Of Employees
133
126
115
128
145
134
124
118
111
96
92
87
74
62
61
EBITDA*
626,124
184,179
726,769
412,626
573,028
1,323,188
514,802
1,637,496
751,475
363,882
143,318
646,846
461,640
644,602
581,330
* Earnings Before Interest, Tax, Depreciation and Amortisation
Mar 2024
Mar 2023
Mar 2022
Mar 2021
Mar 2020
Mar 2019
Mar 2018
Mar 2017
Mar 2016
Mar 2015
Mar 2014
Mar 2013
Mar 2012
Mar 2011
Mar 2010
Tangible Assets
414,028
511,289
501,317
591,233
662,862
756,200
698,784
316,727
189,228
409,033
377,314
345,838
323,534
297,078
306,880
Intangible Assets
153,816
116,642
18,654
46,301
73,949
101,598
129,246
156,901
184,549
212,197
239,848
267,500
67,819
Investments & Other
200
200
200
200
200
200
200
200
200
200
200
200
200
200
200
Debtors (Due After 1 year)
Total Fixed Assets
568,044
628,131
501,517
591,433
681,716
802,701
772,933
418,525
318,674
566,134
562,063
558,235
563,582
564,778
374,899
Stock & work in progress
2,573,114
2,636,693
2,193,778
1,806,686
2,498,320
2,268,659
2,444,086
1,872,396
2,099,011
2,226,334
1,644,832
1,737,735
1,619,674
1,043,027
1,013,186
Trade Debtors
4,764,636
4,234,913
4,339,922
4,488,051
4,410,255
5,590,832
3,943,527
4,040,984
3,066,702
3,770,037
2,555,831
2,327,705
2,367,701
2,330,599
1,718,992
Group Debtors
1,334,716
1,244,281
759,445
797,047
853,202
799,742
681,399
518,418
622,230
546,669
537,430
90,128
200,079
338,757
208,291
Misc Debtors
556,066
583,499
175,726
225,372
250,620
356,824
243,097
117,591
84,347
90,221
64,576
58,383
99,717
16,771
16,806
Cash
3,105,789
3,046,098
3,481,809
2,671,292
1,742,797
1,149,668
851,177
1,995,743
1,315,278
779,091
791,912
1,264,180
996,204
1,368,468
1,351,450
misc current assets
total current assets
12,334,321
11,745,484
10,950,680
9,988,448
9,755,194
10,165,725
8,163,286
8,545,132
7,187,568
7,412,352
5,594,581
5,478,131
5,283,375
5,097,622
4,308,725
total assets
12,902,365
12,373,615
11,452,197
10,579,881
10,436,910
10,968,426
8,936,219
8,963,657
7,506,242
7,978,486
6,156,644
6,036,366
5,846,957
5,662,400
4,683,624
Bank overdraft
10,318
18,354
24,049
Bank loan
Trade Creditors
2,433,645
2,521,803
1,985,012
1,841,272
2,228,615
2,614,502
2,073,771
2,133,596
1,846,667
2,237,288
1,191,093
1,148,581
1,420,365
1,304,890
1,049,224
Group/Directors Accounts
100
100
100
150,094
150,094
270,101
25,626
127,985
678,551
1,504,781
1,167,807
1,211,178
1,252,579
1,390,252
1,251,878
other short term finances
30,000
30,000
30,000
hp & lease commitments
other current liabilities
1,044,895
928,844
875,822
628,124
356,196
839,501
686,249
906,430
536,410
410,088
241,257
256,613
253,243
363,201
332,845
total current liabilities
3,478,640
3,450,747
2,860,934
2,619,490
2,734,905
3,724,104
2,795,964
3,168,011
3,061,628
4,170,511
2,624,206
2,646,372
2,956,187
3,088,343
2,633,947
loans
30,000
60,000
hp & lease commitments
Accruals and Deferred Income
other liabilities
provisions
36,174
60,938
78,568
63,472
43,110
27,776
5,072
23,781
15,200
1,140
1,500
total long term liabilities
36,174
60,938
78,568
63,472
43,110
27,776
5,072
23,781
45,200
61,140
1,500
total liabilities
3,478,640
3,450,747
2,860,934
2,655,664
2,795,843
3,802,672
2,859,436
3,211,121
3,089,404
4,170,511
2,629,278
2,670,153
3,001,387
3,149,483
2,635,447
net assets
9,423,725
8,922,868
8,591,263
7,924,217
7,641,067
7,165,754
6,076,783
5,752,536
4,416,838
3,807,975
3,527,366
3,366,213
2,845,570
2,512,917
2,048,177
total shareholders funds
9,423,725
8,922,868
8,591,263
7,924,217
7,641,067
7,165,754
6,076,783
5,752,536
4,416,838
3,807,975
3,527,366
3,366,213
2,845,570
2,512,917
2,048,177
Mar 2024
Mar 2023
Mar 2022
Mar 2021
Mar 2020
Mar 2019
Mar 2018
Mar 2017
Mar 2016
Mar 2015
Mar 2014
Mar 2013
Mar 2012
Mar 2011
Mar 2010
Operating Activities
Operating Profit
464,728
55,797
591,531
258,386
399,085
1,150,571
363,902
1,531,466
647,769
268,370
98,530
570,624
386,896
579,491
529,425
Depreciation
125,623
115,933
135,238
135,586
146,296
144,969
123,251
78,382
76,051
67,864
17,140
48,571
47,092
44,792
46,253
Amortisation
35,773
12,449
18,654
27,647
27,648
27,649
27,648
27,655
27,648
27,648
27,651
27,652
20,319
5,652
Tax
-46,341
273,660
75,515
24,764
76,228
-61,600
-39,655
-195,824
-37,217
13,477
64,579
-50,633
-55,304
-115,524
-102,620
Stock
-63,579
442,915
387,092
-691,634
229,661
-175,427
571,690
-226,615
-127,323
581,502
-92,903
118,061
576,647
29,841
1,013,186
Debtors
592,725
787,600
-235,377
-3,607
-1,233,321
1,879,375
191,030
903,714
-633,648
1,249,090
681,621
-191,281
-18,630
742,038
1,944,089
Creditors
-88,158
536,791
143,740
-387,343
-385,887
540,731
-59,825
286,929
-390,621
1,046,195
42,512
-271,784
115,475
255,666
1,049,224
Accruals and Deferred Income
116,051
53,022
247,698
271,928
-483,305
153,252
-220,181
370,020
126,322
168,831
-15,356
3,370
-109,958
30,356
332,845
Deferred Taxes & Provisions
-36,174
-24,764
-17,630
15,096
20,362
15,334
27,776
-5,072
-18,709
8,581
14,060
-360
1,500
Cash flow from operations
78,530
-182,863
1,005,833
992,452
766,094
266,719
-547,217
1,436,856
1,238,706
-243,279
-372,374
409,600
-132,104
42,861
-1,094,996
Investing Activities
capital expenditure
-101,309
-254,996
-45,322
-63,957
-52,958
-202,385
-505,308
-205,881
143,754
-99,583
-48,616
-70,875
-73,548
-254,990
-426,604
Change in Investments
200
cash flow from investments
-101,309
-254,996
-45,322
-63,957
-52,958
-202,385
-505,308
-205,881
143,754
-99,583
-48,616
-70,875
-73,548
-254,990
-426,804
Financing Activities
Bank loans
Group/Directors Accounts
-149,994
-120,007
244,475
-102,359
-550,566
-826,230
336,974
-43,371
-41,401
-137,673
138,374
1,251,878
Other Short Term Loans
-30,000
30,000
Long term loans
-30,000
-30,000
60,000
Hire Purchase and Lease Commitments
other long term liabilities
share issue
1,620,239
interest
82,470
2,148
56
-1,689
-1,238
-1,956
652
1,061
773
1,133
cash flow from financing
82,470
2,148
-149,994
-120,007
244,475
-102,359
-550,510
-827,919
335,736
-75,327
-70,749
-166,612
229,147
2,873,250
cash and cash equivalents
cash
59,691
-435,711
810,517
928,495
593,129
298,491
-1,144,566
680,465
536,187
-12,821
-472,268
267,976
-372,264
17,018
1,351,450
overdraft
-10,318
10,318
-18,354
-5,695
24,049
change in cash
59,691
-435,711
810,517
928,495
593,129
308,809
-1,154,884
680,465
554,541
-7,126
-496,317
267,976
-372,264
17,018
1,351,450
loanguard 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 loanguard limited. Get real-time insights into loanguard limited's credit score, group structure and payment trends.
Perform a competitor analysis for loanguard limited by selecting its closest rivals, whether from the CONSTRUCTION sector, other large companies, companies in WS13 area or any other competitors across 12 key performance metrics.
lancaster house, wellington crescent fradley park, lichfield, staffordshire, WS13 8RZ
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loanguard 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 8 charges/mortgages relating to loanguard limited. Currently there are 2 open charges and 6 have been satisfied in the past.
loanguard 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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loanguard limitedCompanies House Filings - See Documents
