Multi-user Credit Services Ltd

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multi-user credit services ltd Company Information

Company Number

01721182

Next Accounts

Mar 2025

Directors

Edward Parker

Shareholders

goldsworthy business services ltd

Group Structure

View All

Industry

Activities of financial services holding companies

Registered Address

12 station court, station approach, wickford, essex, SS11 7AT

Website

http://mu-cs.co.uk

multi-user credit services ltd Estimated Valuation

£1.7k

Pomanda estimates the enterprise value of MULTI-USER CREDIT SERVICES LTD at £1.7k based on a Turnover of £1.7k and 1x industry multiple (adjusted for size and gross margin).

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Multi-user Credit Services Ltd is a live company located in wickford, SS11 7AT with a Companies House number of 01721182. It operates in the activities of financial services holding companies sector, SIC Code 64205. Founded in May 1983, it's largest shareholder is goldsworthy business services ltd with a 100% stake. Multi-user Credit Services Ltd is a mature, micro sized company, Pomanda has estimated its turnover at £1.7k with declining growth in recent years.

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Pomanda's financial health check has awarded Multi-User Credit Services Ltd a 1.5 rating. We use a traffic light system to show it exceeds the industry average on 2 measures and has 7 areas for improvement. Company Health Check FAQs

Health Rating1.5out of 5

2 Strong

1 Regular

7 Weak

Size

annual sales of £1.7k, make it smaller than the average company (£11.2m)

Growth

3 year (CAGR) sales growth of -80%, show it is growing at a slower rate (7.8%)

EXPORT

Multi-User Credit Services Ltd's latest turnover from June 2023 is estimated at £1.7 thousand and the company has net assets of -£5.2 thousand. According to their latest financial statements, we estimate that Multi-User Credit Services Ltd has 1 employee and maintains cash reserves of 0 as reported in the balance sheet.

Data source: Companies House, Pomanda Estimates

	Jun 2023	Jun 2022	Jun 2021	Jun 2020	Jun 2019	Jun 2018	Jun 2017	Jun 2016	Jun 2015	Jun 2014	Jun 2013	Jun 2012	Jun 2011	Jun 2010
Turnover	1,693	79,107	173,850	199,593	189,411	133,744	114,555	82,622	123,972	85,420	193,272	84,049	78,755	100,978
Other Income Or Grants	0	0	0	0	0	0	0	0	0	0	0	0	0	0
Cost Of Sales	1,026	46,720	106,306	120,642	113,823	82,567	71,547	51,969	81,702	56,040	126,359	55,800	56,005	70,222
Gross Profit	667	32,387	67,544	78,951	75,588	51,178	43,008	30,653	42,270	29,380	66,913	28,249	22,750	30,755
Admin Expenses	21,187	67,400	82,099	72,167	75,583	50,887	18,443	14,472	20,042	106,991	41,648	77,398	52,949	-168,836
Operating Profit	-20,520	-35,013	-14,555	6,784	5	291	24,565	16,181	22,228	-77,611	25,265	-49,149	-30,199	199,591
Interest Payable	0	0	0	0	0	0	0	0	0	0	0	0	0	0
Interest Receivable	0	0	0	0	0	0	41	174	205	195	292	504	724	431
Pre-Tax Profit	-20,520	-35,013	-14,555	6,784	5	291	24,606	16,355	22,433	-77,416	25,557	-48,645	-29,475	200,022
Tax	0	0	0	-1,289	-1	-55	-4,675	-3,271	-4,486	0	-5,878	0	0	-56,006
Profit After Tax	-20,520	-35,013	-14,555	5,495	4	236	19,931	13,084	17,946	-77,416	19,679	-48,645	-29,475	144,016
Dividends Paid	0	0	0	0	0	0	0	0	0	0	0	0	0	0
Retained Profit	-20,520	-35,013	-14,555	5,495	4	236	19,931	13,084	17,946	-77,416	19,679	-48,645	-29,475	144,016
Employee Costs	79,910	77,771	142,850	140,924	133,637	68,760	63,078	60,726	59,749	61,874	62,557	59,038	65,952	64,341
Number Of Employees	1	1	2	2	2	1	1	1	1	1	1	1	1	1
EBITDA*	-20,520	-35,013	-14,555	6,784	5	291	24,565	16,181	22,228	-77,611	25,265	-49,149	-30,199	199,693

* Earnings Before Interest, Tax, Depreciation and Amortisation

	Jun 2023	Jun 2022	Jun 2021	Jun 2020	Jun 2019	Jun 2018	Jun 2017	Jun 2016	Jun 2015	Jun 2014	Jun 2013	Jun 2012	Jun 2011	Jun 2010
Tangible Assets	2,100	2,100	2,100	2,100	2,100	2,100	2,100	0	0	0	0	0	0	176
Intangible Assets	0	0	0	0	0	0	0	0	0	0	0	0	0	0
Investments & Other	0	0	0	0	0	0	0	2,100	2,100	2,100	2,100	2,100	2,100	2,100
Debtors (Due After 1 year)	0	0	0	0	0	0	0	0	0	0	0	0	0	0
Total Fixed Assets	2,100	2,100	2,100	2,100	2,100	2,100	2,100	2,100	2,100	2,100	2,100	2,100	2,100	2,276
Stock & work in progress	0	0	0	0	0	0	0	0	0	0	0	0	0	0
Trade Debtors	156	18,941	60,441	79,547	78,620	77,830	81,902	41,264	78,059	43,045	119,875	49,060	54,685	56,544
Group Debtors	0	0	0	0	0	0	0	0	0	0	0	0	0	0
Misc Debtors	0	0	0	0	0	0	0	0	0	0	0	0	0	0
Cash	0	0	0	0	0	0	0	33,102	36,675	45,144	32,879	84,118	117,327	172,437
misc current assets	0	0	0	0	0	0	0	0	0	0	0	0	0	0
total current assets	156	18,941	60,441	79,547	78,620	77,830	81,902	74,366	114,734	88,189	152,754	133,178	172,012	228,981
total assets	2,256	21,041	62,541	81,647	80,720	79,930	84,002	76,466	116,834	90,289	154,854	135,278	174,112	231,257
Bank overdraft	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
Trade Creditors	7,489	5,754	12,241	16,792	21,360	20,574	24,882	35,277	88,729	80,130	67,279	67,382	57,571	85,241
Group/Directors Accounts	0	0	0	0	0	0	0	0	0	0	0	0	0	0
other short term finances	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
other current liabilities	0	0	0	0	0	0	0	0	0	0	0	0	0	0
total current liabilities	7,489	5,754	12,241	16,792	21,360	20,574	24,882	35,277	88,729	80,130	67,279	67,382	57,571	85,241
loans	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
Accruals and Deferred Income	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	0	0	0	0
provisions	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	0	0	0	0
total liabilities	7,489	5,754	12,241	16,792	21,360	20,574	24,882	35,277	88,729	80,130	67,279	67,382	57,571	85,241
net assets	-5,233	15,287	50,300	64,855	59,360	59,356	59,120	41,189	28,105	10,159	87,575	67,896	116,541	146,016
total shareholders funds	-5,233	15,287	50,300	64,855	59,360	59,356	59,120	41,189	28,105	10,159	87,575	67,896	116,541	146,016

	Jun 2023	Jun 2022	Jun 2021	Jun 2020	Jun 2019	Jun 2018	Jun 2017	Jun 2016	Jun 2015	Jun 2014	Jun 2013	Jun 2012	Jun 2011	Jun 2010
Operating Activities
Operating Profit	-20,520	-35,013	-14,555	6,784	5	291	24,565	16,181	22,228	-77,611	25,265	-49,149	-30,199	199,591
Depreciation	0	0	0	0	0	0	0	0	0	0	0	0	0	102
Amortisation	0	0	0	0	0	0	0	0	0	0	0	0	0	0
Tax	0	0	0	-1,289	-1	-55	-4,675	-3,271	-4,486	0	-5,878	0	0	-56,006
Stock	0	0	0	0	0	0	0	0	0	0	0	0	0	0
Debtors	-18,785	-41,500	-19,106	927	790	-4,072	40,638	-36,795	35,014	-76,830	70,815	-5,625	-1,859	56,544
Creditors	1,735	-6,487	-4,551	-4,568	786	-4,308	-10,395	-53,452	8,599	12,851	-103	9,811	-27,670	85,241
Accruals and Deferred Income	0	0	0	0	0	0	0	0	0	0	0	0	0	0
Deferred Taxes & Provisions	0	0	0	0	0	0	0	0	0	0	0	0	0	0
Cash flow from operations	0	0	0	0	0	0	-31,143	-3,747	-8,673	12,070	-51,531	-33,713	-56,010	172,384
Investing Activities
capital expenditure	0	0	0	0	0	0	-2,100	0	0	0	0	0	176	-278
Change in Investments	0	0	0	0	0	0	-2,100	0	0	0	0	0	0	2,100
cash flow from investments	0	0	0	0	0	0	0	0	0	0	0	0	176	-2,378
Financing Activities
Bank loans	0	0	0	0	0	0	0	0	0	0	0	0	0	0
Group/Directors Accounts	0	0	0	0	0	0	0	0	0	0	0	0	0	0
Other Short Term Loans	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	0	0	0
Hire Purchase and Lease Commitments	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	0	0	0	0	0
share issue	0	0	0	0	0	0	-2,000	0	0	0	0	0	0	2,000
interest	0	0	0	0	0	0	41	174	205	195	292	504	724	431
cash flow from financing	0	0	0	0	0	0	-1,959	174	205	195	292	504	724	2,431
cash and cash equivalents
cash	0	0	0	0	0	0	-33,102	-3,573	-8,469	12,265	-51,239	-33,209	-55,110	172,437
overdraft	0	0	0	0	0	0	0	0	0	0	0	0	0	0
change in cash	0	0	0	0	0	0	-33,102	-3,573	-8,469	12,265	-51,239	-33,209	-55,110	172,437

Very Low Risk70 - 100

Low Risk50 - 70

Moderate Risk30 - 50

High Risk20 - 30

Very High Risk0 - 20

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MULTI-USER CREDIT SERVICES LTD group structure

Multi-User Credit Services Ltd has 1 subsidiary company.

Ultimate parent company

GOLDSWORTHY BUSINESS SERVICES LTD

07679384

1 parent

MULTI-USER CREDIT SERVICES LTD

01721182

1 subsidiary

FOOD TRADES PROTECTION SOCIETY LIMITED(THE)

00352467

MULTI-USER CREDIT SERVICES LTD Shareholders

goldsworthy business services ltd

100%

Multi-User Credit Services Ltd currently has 1 director, Mr Edward Parker serving since Jul 2011.

officer	country	age	start	end	role
Mr Edward Parker	United Kingdom	59 years	Jul 2011	-	Director

P&L

June 2023

turnover

1.7k

-98%

operating profit

-20.5k

gross margin

39.4%

-3.78%

turnover

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

Balance Sheet

June 2023

net assets

-5.2k

-1.34%

total assets

2.3k

-0.89%

cash

net assets

Total assets minus all liabilities

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company number

01721182

Type

Private limited with Share Capital

industry

64205 - Activities of financial services holding companies

incorporation date

May 1983

ultimate parent company

GOLDSWORTHY BUSINESS SERVICES LTD

previous names

f.t.p.s. (holdings) limited (July 1997)

address

12 station court, station approach, wickford, essex, SS11 7AT

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 multi-user credit services ltd.

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multi-user credit services ltd Company Information

multi-user credit services ltd Estimated Valuation

multi-user credit services ltd Estimated Valuation

multi-user credit services ltd Estimated Valuation

Multi-user Credit Services Ltd Overview

Multi-user Credit Services Ltd Health Check

MULTI-USER CREDIT SERVICES LTD financials

multi-user credit services ltd Credit Report and Business Information

Multi-user Credit Services Ltd Competitor Analysis

multi-user credit services ltd Ownership

multi-user credit services ltd directors

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