Handf Finance Limited

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handf finance limited Company Information

Company Number

01489012

Next Accounts

Nov 2025

Directors

Kenneth Court

Carol Court

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Shareholders

mrs c.a. court

mr k.j. court

Group Structure

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Industry

Activities of mortgage finance companies

Registered Address

23 melford drive, maidstone, ME16 0UN

Website

www.handf.net

handf finance limited Estimated Valuation

£837.8m

Pomanda estimates the enterprise value of HANDF FINANCE LIMITED at £837.8m based on a Turnover of £227.2m and 3.69x industry multiple (adjusted for size and gross margin).

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Handf Finance Limited is a live company located in maidstone, ME16 0UN with a Companies House number of 01489012. It operates in the activities of mortgage finance companies sector, SIC Code 64922. Founded in April 1980, it's largest shareholder is mrs c.a. court with a 50% stake. Handf Finance Limited is a mature, mega sized company, Pomanda has estimated its turnover at £227.2m with rapid growth in recent years.

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Pomanda's financial health check has awarded Handf Finance Limited a 4 rating. We use a traffic light system to show it exceeds the industry average on 4 measures and has 4 areas for improvement. Company Health Check FAQs

Health Rating4out of 5

4 Strong

2 Regular

4 Weak

Size

annual sales of £227.2m, make it larger than the average company (£6.3m)

Growth

3 year (CAGR) sales growth of 61%, show it is growing at a faster rate (8.7%)

EXPORT

Handf Finance Limited's latest turnover from February 2024 is estimated at £227.2 million and the company has net assets of £25.5 million. According to their latest financial statements, Handf Finance Limited has 4 employees and maintains cash reserves of £4.3 million 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	227,237,129	127,384,161	93,788,496	54,767,773	60,688,493	51,948,464	45,149,314	2,382,877	2,007,931	1,917,666	1,609,827	1,817,892	1,211,164	1,109,883	1,006,730
Other Income Or Grants
Cost Of Sales	156,905,787	88,736,169	50,780,059	36,312,472	28,677,198	23,230,475	15,482,601	272,413	19,234	7,179	19,615	562,676	45,478	41,223	34,635
Gross Profit	70,331,342	38,647,991	43,008,437	18,455,301	32,011,295	28,717,989	29,666,712	2,110,464	1,988,697	1,910,487	1,590,212	1,255,216	1,165,686	1,068,660	972,095
Admin Expenses	70,127,931	38,624,558	41,433,353	16,533,392	31,249,970	25,983,820	26,746,442	68,920	-19,891	4,113	89,917	29,243	232,537	135,446	280,952
Operating Profit	203,411	23,433	1,575,084	1,921,909	761,325	2,734,169	2,920,270	2,041,544	2,008,588	1,906,374	1,500,295	1,225,973	933,149	933,214	691,143
Interest Payable								7,686	3,319	21,313	21,389	11,970	18,943	22,889	29,519
Interest Receivable	235,746	230,331	34,127	5,938	26,015	25,753	18,384	5,779	15,126	17,401	15,304	10,884	8,976	4,303	7,235
Pre-Tax Profit	439,157	253,764	1,609,211	1,927,847	787,340	2,759,922	2,938,654	2,039,637	2,020,395	1,902,462	1,494,210	1,224,887	923,182	914,628	668,859
Tax	-109,789	-48,215	-305,750	-366,291	-149,595	-524,385	-558,344	-582,192	-406,004	-402,901	-344,840	-293,657	-232,791	-245,926	-175,643
Profit After Tax	329,368	205,549	1,303,461	1,561,556	637,745	2,235,537	2,380,310	1,457,445	1,614,391	1,499,561	1,149,370	931,230	690,391	668,702	493,216
Dividends Paid
Retained Profit	329,368	205,549	1,303,461	1,561,556	637,745	2,235,537	2,380,310	1,457,445	1,614,391	1,499,561	1,149,370	931,230	690,391	668,702	493,216
Employee Costs	214,962	209,554	189,935	188,971	204,500	187,007	176,271	208,115	98,462	383,181	360,162	378,758	201,563	190,667	123,641
Number Of Employees	4	4	4	4	4	4	4	4	2	9	8	8	5	5	3
EBITDA*	203,653	23,718	1,575,419	1,922,303	761,789	2,734,645	2,920,830	2,042,202	2,009,362	1,907,285	1,501,366	1,227,022	934,383	934,511	692,669

* 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		86,614	86,899	87,234	87,628	88,092	88,170	88,730	89,388	1,590,162	811,073	810,941	756,990	757,352	758,649
Intangible Assets
Investments & Other			1	1	1	1			1,500,000
Debtors (Due After 1 year)
Total Fixed Assets		86,614	86,900	87,235	87,629	88,093	88,170	88,730	1,589,388	1,590,162	811,073	810,941	756,990	757,352	758,649
Stock & work in progress
Trade Debtors	45,256,269	50,796,007	47,443,850	37,617,662	31,933,569	29,171,523	21,515,090	21,905,792	9,738,736	7,995,626	9,449,356	6,772,785	6,527,012	6,738,702	7,266,031
Group Debtors				278,139	1,501,315	813,455
Misc Debtors				2,808					36,645	28,537	21,035	20,368	11,946	7,304	4,947
Cash	4,329,373	4,651,433	6,865,116	6,785,797	5,090,207	1,847,056	5,020,358	2,333,214	4,836,604	5,335,892	2,531,658	3,878,369	2,551,379	2,234,845	841,607
misc current assets													452,426
total current assets	49,585,642	55,447,440	54,308,966	44,684,406	38,525,091	31,832,034	26,535,448	24,239,006	14,611,985	13,360,055	12,002,049	10,671,522	9,542,763	8,980,851	8,112,585
total assets	49,585,642	55,534,054	54,395,866	44,771,641	38,612,720	31,920,127	26,623,618	24,327,736	16,201,373	14,950,217	12,813,122	11,482,463	10,299,753	9,738,203	8,871,234
Bank overdraft
Bank loan
Trade Creditors
Group/Directors Accounts							2,916,126								28,929
other short term finances										118,623	87,998	131,616	125,234	119,220	113,412
hp & lease commitments
other current liabilities	24,045,809	30,323,589	29,390,950	21,070,186	16,335,321	10,230,473	7,163,668	7,168,096	771,721	761,272	730,808	865,571	543,964	554,951	213,884
total current liabilities	24,045,809	30,323,589	29,390,950	21,070,186	16,335,321	10,230,473	7,163,668	7,168,096	771,721	879,895	818,806	997,187	669,198	674,171	356,225
loans										254,819	373,191	13,370	144,497	268,054	387,370
hp & lease commitments
Accruals and Deferred Income
other liabilities					137,500	187,500	193,333	273,333
provisions									790	1,032	1,215	1,366	1,748	2,059	2,422
total long term liabilities					137,500	187,500	193,333	273,333	790	255,851	374,406	14,736	146,245	270,113	389,792
total liabilities	24,045,809	30,323,589	29,390,950	21,070,186	16,472,821	10,417,973	7,357,001	7,441,429	772,511	1,135,746	1,193,212	1,011,923	815,443	944,284	746,017
net assets	25,539,833	25,210,465	25,004,916	23,701,455	22,139,899	21,502,154	19,266,617	16,886,307	15,428,862	13,814,471	11,619,910	10,470,540	9,484,310	8,793,919	8,125,217
total shareholders funds	25,539,833	25,210,465	25,004,916	23,701,455	22,139,899	21,502,154	19,266,617	16,886,307	15,428,862	13,814,471	11,619,910	10,470,540	9,484,310	8,793,919	8,125,217

	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	203,411	23,433	1,575,084	1,921,909	761,325	2,734,169	2,920,270	2,041,544	2,008,588	1,906,374	1,500,295	1,225,973	933,149	933,214	691,143
Depreciation	242	285	335	394	464	476	560	658	774	911	1,071	1,049	1,234	1,297	1,526
Amortisation
Tax	-109,789	-48,215	-305,750	-366,291	-149,595	-524,385	-558,344	-582,192	-406,004	-402,901	-344,840	-293,657	-232,791	-245,926	-175,643
Stock
Debtors	-5,539,738	3,352,157	9,545,241	4,463,725	3,449,906	8,469,888	-390,702	12,130,411	1,751,218	-1,446,228	2,677,238	254,195	-207,048	-524,972	7,270,978
Creditors
Accruals and Deferred Income	-6,277,780	932,639	8,320,764	4,734,865	6,104,848	3,066,805	-4,428	6,396,375	10,449	30,464	-134,763	321,607	-10,987	341,067	213,884
Deferred Taxes & Provisions								-790	-242	-183	-151	-382	-311	-363	2,422
Cash flow from operations	-644,178	-2,444,015	45,192	1,827,152	3,267,136	-3,192,823	2,748,760	-4,274,816	-137,653	2,980,893	-1,655,626	1,000,395	897,342	1,554,261	-6,537,646
Investing Activities
capital expenditure	86,372					-398			1,500,000	-780,000	-1,203	-55,000	-872		-760,175
Change in Investments		-1				1		-1,500,000	1,500,000
cash flow from investments	86,372	1				-399		1,500,000		-780,000	-1,203	-55,000	-872		-760,175
Financing Activities
Bank loans
Group/Directors Accounts						-2,916,126	2,916,126							-28,929	28,929
Other Short Term Loans									-118,623	30,625	-43,618	6,382	6,014	5,808	113,412
Long term loans									-254,819	-118,372	359,821	-131,127	-123,557	-119,316	387,370
Hire Purchase and Lease Commitments
other long term liabilities				-137,500	-50,000	-5,833	-80,000	273,333
share issue										695,000		55,000			7,632,001
interest	235,746	230,331	34,127	5,938	26,015	25,753	18,384	-1,907	11,807	-3,912	-6,085	-1,086	-9,967	-18,586	-22,284
cash flow from financing	235,746	230,331	34,127	-131,562	-23,985	-2,896,206	2,854,510	271,426	-361,635	603,341	310,118	-70,831	-127,510	-161,023	8,139,428
cash and cash equivalents
cash	-322,060	-2,213,683	79,319	1,695,590	3,243,151	-3,173,302	2,687,144	-2,503,390	-499,288	2,804,234	-1,346,711	1,326,990	316,534	1,393,238	841,607
overdraft
change in cash	-322,060	-2,213,683	79,319	1,695,590	3,243,151	-3,173,302	2,687,144	-2,503,390	-499,288	2,804,234	-1,346,711	1,326,990	316,534	1,393,238	841,607

Very Low Risk70 - 100

Low Risk50 - 70

Moderate Risk30 - 50

High Risk20 - 30

Very High Risk0 - 20

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HANDF FINANCE LIMITED group structure

Handf Finance Limited has 1 subsidiary company.

Ultimate parent company

HANDF FINANCE LIMITED

01489012

1 subsidiary

EASTERN ROAD DEVELOPMENTS LIMITED

11659301

HANDF FINANCE LIMITED Shareholders

mrs c.a. court	50%
mr k.j. court	50%

Handf Finance Limited currently has 3 directors. The longest serving directors include Mr Kenneth Court (Dec 1990) and Mrs Carol Court (Dec 1990).

officer	country	age	start	end	role
Mr Kenneth Court	United Kingdom	79 years	Dec 1990	-	Director
Mrs Carol Court		79 years	Dec 1990	-	Director
Mr Benjamin Court	United Kingdom	49 years	May 2022	-	Director

P&L

February 2024

turnover

227.2m

+78%

operating profit

203.4k

gross margin

31%

+2.01%

turnover

Turnover, or revenue, is the amount of sales generated by a company within the financial year.

Balance Sheet

February 2024

net assets

25.5m

+0.01%

total assets

49.6m

-0.11%

cash

4.3m

-0.07%

net assets

Total assets minus all liabilities

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company number

01489012

Type

Private limited with Share Capital

industry

64922 - Activities of mortgage finance companies

incorporation date

April 1980

ultimate parent company

None

previous names

N/A

address

23 melford drive, maidstone, ME16 0UN

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.

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handf finance limited Company Information

handf finance limited Estimated Valuation

handf finance limited Estimated Valuation

handf finance limited Estimated Valuation

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