charles street commercial investments limited
charles street commercial investments limited Company Information
Company Number
01739793
Next Accounts
Dec 2025
Shareholders
henry moser
charles street finance holdings limited
Group Structure
View All
Industry
Credit granting by non-deposit taking finance houses and other specialist consumer credit grantors
Registered Address
lake view lakeside, cheadle, cheshire, SK8 3GW
Website
-charles street commercial investments limited Estimated Valuation
Pomanda estimates the enterprise value of CHARLES STREET COMMERCIAL INVESTMENTS LIMITED at £139.5m based on a Turnover of £43.5m and 3.21x industry multiple (adjusted for size and gross margin).
charles street commercial investments limited Estimated Valuation
Pomanda estimates the enterprise value of CHARLES STREET COMMERCIAL INVESTMENTS LIMITED at £307.2m based on an EBITDA of £26.3m and a 11.7x industry multiple (adjusted for size and gross margin).
charles street commercial investments limited Estimated Valuation
Pomanda estimates the enterprise value of CHARLES STREET COMMERCIAL INVESTMENTS LIMITED at £253.8m based on Net Assets of £105.2m and 2.41x industry multiple (adjusted for liquidity).
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Charles Street Commercial Investments Limited Overview
Charles Street Commercial Investments Limited is a live company located in cheshire, SK8 3GW with a Companies House number of 01739793. It operates in the credit granting by non-deposit taking finance houses and other specialist consumer credit grantors sector, SIC Code 64921. Founded in July 1983, it's largest shareholder is henry moser with a 100% stake. Charles Street Commercial Investments Limited is a mature, large sized company, Pomanda has estimated its turnover at £43.5m with rapid growth in recent years.
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Charles Street Commercial Investments Limited Health Check
Pomanda's financial health check has awarded Charles Street Commercial Investments Limited a 5 rating. We use a traffic light system to show it exceeds the industry average on 7 measures and has 3 areas for improvement. Company Health Check FAQs
7 Strong
0 Regular
3 Weak
Size
annual sales of £43.5m, make it larger than the average company (£19.1m)
£43.5m - Charles Street Commercial Investments Limited
£19.1m - Industry AVG
Growth
3 year (CAGR) sales growth of 33%, show it is growing at a faster rate (20.7%)
33% - Charles Street Commercial Investments Limited
20.7% - Industry AVG
Production
with a gross margin of 60.8%, this company has a lower cost of product (16.2%)
60.8% - Charles Street Commercial Investments Limited
16.2% - Industry AVG
Profitability
an operating margin of 60.4% make it more profitable than the average company (8.3%)
60.4% - Charles Street Commercial Investments Limited
8.3% - Industry AVG
Employees
with 5 employees, this is below the industry average (12)
5 - Charles Street Commercial Investments Limited
12 - Industry AVG
Pay Structure
on an average salary of £44k, the company has a lower pay structure (£65.3k)
£44k - Charles Street Commercial Investments Limited
£65.3k - Industry AVG
Efficiency
resulting in sales per employee of £8.7m, this is more efficient (£401.4k)
£8.7m - Charles Street Commercial Investments Limited
£401.4k - Industry AVG
Debtor Days
There is insufficient data available for this Key Performance Indicator!
- - Charles Street Commercial Investments Limited
- - Industry AVG
Creditor Days
its suppliers are paid after 0 days, this is quicker than average (134 days)
0 days - Charles Street Commercial Investments Limited
134 days - Industry AVG
Stock Days
There is insufficient data available for this Key Performance Indicator!
- - Charles Street Commercial Investments Limited
- - Industry AVG
Cash Balance
has cash to cover current liabilities for 2 weeks, this is less cash available to meet short term requirements (5 weeks)
2 weeks - Charles Street Commercial Investments Limited
5 weeks - Industry AVG
Debt Level
it has a ratio of liabilities to total assets of 71.3%, this is a lower level of debt than the average (100%)
71.3% - Charles Street Commercial Investments Limited
100% - Industry AVG
CHARLES STREET COMMERCIAL INVESTMENTS LIMITED financials
Charles Street Commercial Investments Limited's latest turnover from March 2024 is £43.5 million and the company has net assets of £105.2 million. According to their latest financial statements, Charles Street Commercial Investments Limited has 5 employees and maintains cash reserves of £7 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 | 43,476,000 | 31,555,000 | 22,657,000 | 18,607,000 | 18,119,000 | 13,462,000 | 10,787,165 | 9,647,862 | 4,616,205 | 2,656,762 | 1,165,672 | 605,476 | -38,986 | 59,254 | |
| Other Income Or Grants | |||||||||||||||
| Cost Of Sales | 17,028,000 | 12,037,000 | |||||||||||||
| Gross Profit | 26,448,000 | 19,518,000 | |||||||||||||
| Admin Expenses | 181,000 | 333,000 | |||||||||||||
| Operating Profit | 26,267,000 | 19,185,000 | 16,831,000 | 14,287,000 | 14,002,000 | 11,395,000 | 2,965,462 | 2,440,371 | 952,154 | 382,714 | -97,129 | 54,294 | |||
| Interest Payable | 515,819 | 259,083 | 150,276 | 66,026 | 294 | 3,990 | |||||||||
| Interest Receivable | 1,320 | 823 | 3 | 3,903 | |||||||||||
| Pre-Tax Profit | 21,041,000 | 18,076,000 | 16,184,000 | 13,164,000 | 13,223,000 | 11,006,000 | 9,333,245 | 8,246,469 | 2,449,643 | 2,181,288 | 803,198 | 317,511 | -97,420 | 54,207 | |
| Tax | -4,924,000 | -3,227,000 | -3,424,000 | -2,741,000 | -2,816,000 | -2,309,000 | -1,959,267 | -1,784,680 | -619,792 | -559,573 | -256,776 | -94,358 | 19,201 | -4,736 | |
| Profit After Tax | 16,117,000 | 14,849,000 | 12,760,000 | 10,423,000 | 10,407,000 | 8,697,000 | 7,373,978 | 6,461,789 | 1,829,851 | 1,621,715 | 546,422 | 223,153 | -78,219 | 49,471 | |
| Dividends Paid | |||||||||||||||
| Retained Profit | 16,117,000 | 14,849,000 | 12,760,000 | 10,423,000 | 10,407,000 | 8,697,000 | 7,373,978 | 6,461,789 | 1,829,851 | 1,621,715 | 546,422 | 223,153 | -78,219 | 49,471 | |
| Employee Costs | 220,000 | 218,000 | 96,000 | 37,000 | 37,000 | 37,000 | 25,736 | ||||||||
| Number Of Employees | 5 | 5 | 5 | 4 | 4 | 4 | 4 | ||||||||
| EBITDA* | 26,267,000 | 19,185,000 | 16,831,000 | 14,287,000 | 14,002,000 | 11,395,000 | 2,965,462 | 2,440,371 | 952,154 | 382,714 | -97,129 | 54,294 |
* 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 | 100,000 | 22,741,000 | 60,000 | 60,000 | 60,000 | 60,000 | 60,000 | 60,000 | 60,000 | ||||||
| Intangible Assets | |||||||||||||||
| Investments & Other | 180,000 | 100,000 | 60,000 | 60,000 | 60,000 | 60,000 | |||||||||
| Debtors (Due After 1 year) | 2,238 | 23,303 | 47,920 | 21,681 | 22,818 | ||||||||||
| Total Fixed Assets | 180,000 | 100,000 | 100,000 | 22,741,000 | 60,000 | 60,000 | 60,000 | 60,000 | 60,000 | 60,000 | 62,238 | 83,303 | 107,920 | 81,681 | 82,818 |
| Stock & work in progress | |||||||||||||||
| Trade Debtors | 234,635,000 | 140,274,000 | 149,165,000 | 103,084,000 | 70,429,681 | 45,958,924 | 44,932,866 | 33,705,101 | 14,525,785 | 11,139,922 | 6,869,450 | 2,349,377 | 2,452,811 | ||
| Group Debtors | 54,000 | 94,000 | 900,000 | 152,716 | 5,141 | 18,213 | 211 | 174 | |||||||
| Misc Debtors | 24,000 | 28,000 | 5 | ||||||||||||
| Cash | 7,038,000 | 4,933,000 | 14,101,000 | 11,466,000 | 7,828,000 | 6,952,000 | 5,092,170 | 7,832,405 | 2,790,057 | 138,689 | 1,453,250 | 98,054 | 748,406 | 12,693 | 2,740 |
| misc current assets | 359,706,000 | 295,285,000 | |||||||||||||
| total current assets | 366,822,000 | 300,340,000 | 248,807,000 | 152,366,000 | 157,184,000 | 110,058,000 | 75,528,370 | 53,861,020 | 47,722,923 | 34,743,790 | 16,131,751 | 11,243,117 | 7,636,069 | 2,362,281 | 2,455,730 |
| total assets | 367,002,000 | 300,440,000 | 248,907,000 | 175,107,000 | 157,244,000 | 110,118,000 | 75,588,370 | 53,921,020 | 47,782,923 | 34,803,790 | 16,193,989 | 11,326,420 | 7,743,989 | 2,443,962 | 2,538,548 |
| Bank overdraft | |||||||||||||||
| Bank loan | |||||||||||||||
| Trade Creditors | 4,000 | 8,000 | 69,098,000 | 56,881,000 | 110,890,000 | 74,464,000 | 48,449,576 | 32,485,174 | 37,130,543 | 28,434,804 | |||||
| Group/Directors Accounts | 717,000 | 366,000 | 10,813,906 | 7,788,291 | 5,012,767 | 11,468 | 11,468 | ||||||||
| other short term finances | 136,204,000 | 93,494,000 | |||||||||||||
| hp & lease commitments | |||||||||||||||
| other current liabilities | 3,135,000 | 2,148,000 | 575,766 | 355,527 | 95,042 | 19,467 | 35,834 | ||||||||
| total current liabilities | 140,060,000 | 96,016,000 | 72,405,000 | 59,338,000 | 113,652,000 | 76,933,000 | 51,100,223 | 36,806,851 | 37,130,543 | 28,434,804 | 11,389,672 | 8,143,818 | 5,107,809 | 30,935 | 47,302 |
| loans | 121,724,000 | 115,323,000 | |||||||||||||
| hp & lease commitments | |||||||||||||||
| Accruals and Deferred Income | 16,395 | ||||||||||||||
| other liabilities | |||||||||||||||
| provisions | |||||||||||||||
| total long term liabilities | 121,724,000 | 115,323,000 | 109,727,000 | 61,754,000 | 16,395 | ||||||||||
| total liabilities | 261,784,000 | 211,339,000 | 182,132,000 | 121,092,000 | 113,652,000 | 76,933,000 | 51,100,223 | 36,806,851 | 37,130,543 | 28,451,199 | 11,389,672 | 8,143,818 | 5,107,809 | 30,935 | 47,302 |
| net assets | 105,218,000 | 89,101,000 | 66,775,000 | 54,015,000 | 43,592,000 | 33,185,000 | 24,488,147 | 17,114,169 | 10,652,380 | 6,352,591 | 4,804,317 | 3,182,602 | 2,636,180 | 2,413,027 | 2,491,246 |
| total shareholders funds | 105,218,000 | 89,101,000 | 66,775,000 | 54,015,000 | 43,592,000 | 33,185,000 | 24,488,147 | 17,114,169 | 10,652,380 | 6,352,591 | 4,804,317 | 3,182,602 | 2,636,180 | 2,413,027 | 2,491,246 |
| 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 | 26,267,000 | 19,185,000 | 16,831,000 | 14,287,000 | 14,002,000 | 11,395,000 | 2,965,462 | 2,440,371 | 952,154 | 382,714 | -97,129 | 54,294 | |||
| Depreciation | |||||||||||||||
| Amortisation | |||||||||||||||
| Tax | -4,924,000 | -3,227,000 | -3,424,000 | -2,741,000 | -2,816,000 | -2,309,000 | -1,959,267 | -1,784,680 | -619,792 | -559,573 | -256,776 | -94,358 | 19,201 | -4,736 | |
| Stock | |||||||||||||||
| Debtors | -44,000 | -234,513,000 | 94,361,000 | -8,891,000 | 46,081,000 | 32,654,319 | 24,470,757 | 1,026,058 | 10,327,765 | 19,924,362 | 3,512,373 | 4,232,783 | 4,564,314 | -104,539 | 2,475,808 |
| Creditors | -4,000 | -69,090,000 | 12,217,000 | -54,009,000 | 36,426,000 | 26,014,424 | 15,964,402 | -4,645,369 | 8,695,739 | 28,434,804 | |||||
| Accruals and Deferred Income | 987,000 | 2,148,000 | -16,395 | -559,371 | 220,239 | 260,485 | 75,575 | -16,367 | 35,834 | ||||||
| Deferred Taxes & Provisions | |||||||||||||||
| Cash flow from operations | 22,370,000 | 183,529,000 | 10,296,741 | -1,411,336 | -3,276,920 | -4,200,383 | 10,244 | -2,390,416 | |||||||
| Investing Activities | |||||||||||||||
| capital expenditure | |||||||||||||||
| Change in Investments | 80,000 | 100,000 | -60,000 | 60,000 | -60,000 | 60,000 | -60,000 | 60,000 | |||||||
| cash flow from investments | |||||||||||||||
| Financing Activities | |||||||||||||||
| Bank loans | |||||||||||||||
| Group/Directors Accounts | 351,000 | 366,000 | -10,813,906 | 3,025,615 | 2,775,524 | 5,001,299 | 11,468 | ||||||||
| Other Short Term Loans | 42,710,000 | 93,494,000 | |||||||||||||
| Long term loans | 6,401,000 | 115,323,000 | |||||||||||||
| Hire Purchase and Lease Commitments | |||||||||||||||
| other long term liabilities | |||||||||||||||
| share issue | |||||||||||||||
| interest | -515,819 | -259,083 | -148,956 | -65,203 | -291 | -87 | |||||||||
| cash flow from financing | 49,462,000 | 216,660,000 | -11,611,302 | 2,766,532 | 2,626,568 | 4,936,096 | -291 | 2,453,156 | |||||||
| cash and cash equivalents | |||||||||||||||
| cash | 2,105,000 | -9,168,000 | 2,635,000 | 3,638,000 | 876,000 | 1,859,830 | -2,740,235 | 5,042,348 | 2,651,368 | -1,314,561 | 1,355,196 | -650,352 | 735,713 | 9,953 | 2,740 |
| overdraft | |||||||||||||||
| change in cash | 2,105,000 | -9,168,000 | 2,635,000 | 3,638,000 | 876,000 | 1,859,830 | -2,740,235 | 5,042,348 | 2,651,368 | -1,314,561 | 1,355,196 | -650,352 | 735,713 | 9,953 | 2,740 |
charles street commercial investments limited Credit Report and Business Information
Charles Street Commercial Investments Limited Competitor Analysis
Perform a competitor analysis for charles street commercial investments limited by selecting its closest rivals, whether from the FINANCIAL AND INSURANCE ACTIVITIES sector, other large companies, companies in SK8 area or any other competitors across 12 key performance metrics.
charles street commercial investments limited Ownership
CHARLES STREET COMMERCIAL INVESTMENTS LIMITED group structure
Charles Street Commercial Investments Limited has no subsidiary companies.
Ultimate parent company
CHARLES STREET COMMERCIAL INVESTMENTS LIMITED
01739793
charles street commercial investments limited directors
Charles Street Commercial Investments Limited currently has 4 directors. The longest serving directors include Mr Henry Moser (Nov 1992) and Mr Gary Beckett (Dec 2009).
| officer | country | age | start | end | role |
|---|---|---|---|---|---|
| Mr Henry Moser | 75 years | Nov 1992 | - | Director | |
| Mr Gary Beckett | 56 years | Dec 2009 | - | Director | |
| Mr Stephen Lewis | England | 68 years | Oct 2021 | - | Director |
| Ms Martine Moser | England | 45 years | Nov 2021 | - | Director |
P&L
March 2024turnover
43.5m
+38%
operating profit
26.3m
+37%
gross margin
60.9%
-1.65%
turnover
Turnover, or revenue, is the amount of sales generated by a company within the financial year.
Balance Sheet
March 2024net assets
105.2m
+0.18%
total assets
367m
+0.22%
cash
7m
+0.43%
net assets
Total assets minus all liabilities
charles street commercial investments limited company details
company number
01739793
Type
Private limited with Share Capital
industry
64921 - Credit granting by non-deposit taking finance houses and other specialist consumer credit grantors
incorporation date
July 1983
age
42
incorporated
UK
ultimate parent company
accounts
Full Accounts
last accounts submitted
March 2024
previous names
uk mortgage corporation limited (December 2009)
basilgrove limited (September 2000)
accountant
-
auditor
ERNST & YOUNG LLP
address
lake view lakeside, cheadle, cheshire, SK8 3GW
Bank
THE ROYAL BANK OF SCOTLAND PLC
Legal Advisor
-
charles street commercial investments 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 charles street commercial investments limited. Currently there are 6 open charges and 2 have been satisfied in the past.
charles street commercial investments 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 CHARLES STREET COMMERCIAL INVESTMENTS LIMITED. This can take several minutes, an email will notify you when this has completed.
charles street commercial investments limited Companies House Filings - See Documents
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