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.
Registered Address
city hub 9- 11 peckover street, little germany, bradford, BD1 5BD
business & enterprise finance ltd.Estimated Valuation
£9.7m
Pomanda estimates the enterprise value of BUSINESS & ENTERPRISE FINANCE LTD. at £9.7m based on a Turnover of £6.9m and 1.41x industry multiple (adjusted for size and gross margin).
business & enterprise finance ltd.Estimated Valuation
£3.2m
Pomanda estimates the enterprise value of BUSINESS & ENTERPRISE FINANCE LTD. at £3.2m based on an EBITDA of £613k and a 5.16x industry multiple (adjusted for size and gross margin).
business & enterprise finance ltd.Estimated Valuation
£18.2m
Pomanda estimates the enterprise value of BUSINESS & ENTERPRISE FINANCE LTD. at £18.2m based on Net Assets of £9.6m and 1.89x industry multiple (adjusted for liquidity).
Edit your figures and get a professional valuation report.
Business & Enterprise Finance Ltd.Overview
Business & Enterprise Finance Ltd. is a live company located in bradford, BD1 5BD with a Companies House number of 01792109. It operates in the other credit granting n.e.c. sector, SIC Code 64929. Founded in February 1984, it's largest shareholder is
unknown.
Business & Enterprise Finance Ltd. is a mature,
mid sized company, Pomanda has estimated its turnover at
£6.9m with
healthy
growth in recent years.
Pomanda's financial health check has awarded Business & Enterprise Finance Ltd. 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
2 Regular
3 Weak
Size
annual sales of £6.9m, make it larger than the average company (£4.9m)
£6.9m - Business & Enterprise Finance Ltd.
£4.9m - Industry AVG
Growth
3 year (CAGR) sales growth of 11%, show it is growing at a faster rate (7.3%)
11% - Business & Enterprise Finance Ltd.
7.3% - Industry AVG
Production
with a gross margin of 59.1%, this company has a comparable cost of product (59.1%)
59.1% - Business & Enterprise Finance Ltd.
59.1% - Industry AVG
Profitability
an operating margin of 8.1% make it less profitable than the average company (17.5%)
8.1% - Business & Enterprise Finance Ltd.
17.5% - Industry AVG
Employees
with 31 employees, this is above the industry average (5)
31 - Business & Enterprise Finance Ltd.
5 - Industry AVG
Pay Structure
on an average salary of £65.2k, the company has an equivalent pay structure (£65.2k)
£65.2k - Business & Enterprise Finance Ltd.
£65.2k - Industry AVG
Efficiency
resulting in sales per employee of £221.3k, this is less efficient (£397.4k)
£221.3k - Business & Enterprise Finance Ltd.
£397.4k - Industry AVG
Debtor Days
it gets paid by customers after 0 days, this is earlier than average (246 days)
0 days - Business & Enterprise Finance Ltd.
246 days - Industry AVG
Creditor Days
its suppliers are paid after 5 days, this is quicker than average (20 days)
5 days - Business & Enterprise Finance Ltd.
20 days - Industry AVG
Stock Days
There is insufficient data available for this Key Performance Indicator!
- - Business & Enterprise Finance Ltd.
- - Industry AVG
Cash Balance
has cash to cover current liabilities
for 55 weeks, this is more cash available to meet short term requirements (7 weeks)
55 weeks - Business & Enterprise Finance Ltd.
7 weeks - Industry AVG
Debt Level
it has a ratio of liabilities to total assets of 42.2%, this is a lower level of debt than the average (88.8%)
42.2% - Business & Enterprise Finance Ltd.
88.8% - Industry AVG
BUSINESS & ENTERPRISE FINANCE LTD. financials
EXPORT
Business & Enterprise Finance Ltd.'s latest turnover from March 2024 is estimated at £6.9 million and the company has net assets of £9.6 million. According to their latest financial statements, Business & Enterprise Finance Ltd. has 31 employees and maintains cash reserves of £2 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
6,859,403
5,951,306
5,446,940
4,966,937
4,526,128
5,199,872
4,666,317
3,195,412
3,783,236
7,011,010
9,739,517
1,502,471
1,098,280
1,074,334
719,935
Other Income Or Grants
Cost Of Sales
2,804,994
2,024,492
1,544,465
1,470,610
1,391,762
1,560,226
1,149,257
900,930
1,105,651
1,836,979
3,545,220
482,117
262,907
360,425
181,442
Gross Profit
4,054,409
3,926,813
3,902,475
3,496,327
3,134,366
3,639,646
3,517,060
2,294,483
2,677,585
5,174,031
6,194,297
1,020,354
835,373
713,908
538,493
Admin Expenses
3,496,611
3,946,898
3,792,792
3,339,562
2,949,401
3,521,992
3,211,915
2,027,051
2,582,092
5,063,873
6,130,329
989,433
806,714
682,781
375,795
Operating Profit
557,798
-20,085
109,683
156,765
184,965
117,654
305,145
267,432
95,493
110,158
63,968
30,921
28,659
31,127
162,698
Interest Payable
487,728
163,260
78,413
105,832
138,677
102,987
54,432
107,116
83,876
Interest Receivable
144,925
145,043
16,464
1,072
1,364
8,191
2,978
3,643
11,093
8,029
3,625
3,264
4,241
6,638
4,649
Pre-Tax Profit
214,995
-38,302
47,733
52,005
47,653
22,858
253,691
163,959
22,710
118,187
67,594
34,186
32,900
37,765
167,347
Tax
-53,749
-9,069
-9,881
-9,054
-4,343
-48,201
-32,792
-4,542
-24,819
-15,547
-8,205
-8,554
-10,574
-46,857
Profit After Tax
161,246
-38,302
38,664
42,124
38,599
18,515
205,490
131,167
18,168
93,368
52,047
25,981
24,346
27,191
120,490
Dividends Paid
Retained Profit
161,246
-38,302
38,664
42,124
38,599
18,515
205,490
131,167
18,168
93,368
52,047
25,981
24,346
27,191
120,490
Employee Costs
2,021,858
1,695,128
1,620,463
1,481,207
1,309,709
1,348,508
1,312,627
932,702
846,362
1,140,800
1,633,203
326,687
221,453
184,725
125,843
Number Of Employees
31
28
27
26
25
27
28
19
24
31
46
8
6
6
4
EBITDA*
612,970
29,021
147,718
199,674
222,221
151,945
336,593
319,339
95,493
131,308
78,150
37,090
36,710
36,936
171,014
* 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
857,322
862,915
870,922
883,784
893,782
657,131
665,158
664,866
683,258
602,954
588,989
529,617
10,625
15,312
13,618
Intangible Assets
60,457
73,302
39,337
54,495
72,855
62,797
32,811
24,312
Investments & Other
2
1
1
1
1
1
Debtors (Due After 1 year)
9,326,931
5,095,806
4,255,131
4,300,981
5,130,280
5,648,183
6,011,832
4,748,098
9,347,597
9,402,462
5,798,852
3,670,721
2,482,091
2,222,742
1,842,292
Total Fixed Assets
10,244,712
6,032,024
5,165,391
5,239,261
6,096,918
6,368,112
6,709,801
5,437,276
10,030,855
10,005,416
6,387,841
4,200,338
2,492,716
2,238,054
1,855,910
Stock & work in progress
Trade Debtors
9,696
1,244
56,683
693,579
184,559
169,666
41,818
19,409
25,172
2,723,929
2,188,687
589,455
714,674
893,645
313,913
Group Debtors
1,154,633
695,645
925,104
1,203,962
1,669,164
1,065,975
1,195,919
951,351
Misc Debtors
3,175,025
1,566,049
1,637,533
1,436,731
1,540,238
2,085,618
2,034,241
4,770,773
4,724,049
Cash
2,033,159
3,487,779
3,337,767
1,052,544
1,092,350
1,636,209
548,027
643,282
2,270,736
2,166,297
1,045,290
404,774
900,853
795,491
1,859,767
misc current assets
total current assets
6,372,513
5,750,717
5,957,087
4,386,816
4,486,311
4,957,468
3,820,005
6,384,815
7,019,957
4,890,226
3,233,977
994,229
1,615,527
1,689,136
2,173,680
total assets
16,617,225
11,782,741
11,122,478
9,626,077
10,583,229
11,325,580
10,529,806
11,822,091
17,050,812
14,895,642
9,621,818
5,194,567
4,108,243
3,927,190
4,029,590
Bank overdraft
536,412
277,920
19,030
108,981
Bank loan
1,571,417
242,500
534,445
399,996
972,324
Trade Creditors
39,433
27,988
31,726
30,192
51,407
68,732
9,682
29,529
49,674
2,693,543
2,120,542
921,321
643,527
913,031
1,277,249
Group/Directors Accounts
103,908
92,714
205,577
650,054
119,985
110,814
other short term finances
hp & lease commitments
other current liabilities
199,397
164,236
120,565
812,882
508,403
797,422
306,483
306,054
3,665,053
total current liabilities
1,914,155
527,438
892,313
1,893,124
1,652,119
1,513,380
594,085
354,613
3,823,708
2,693,543
2,120,542
921,321
643,527
913,031
1,277,249
loans
5,090,416
1,766,389
642,222
746,686
1,350,907
1,687,131
550,000
827,882
2,471,815
hp & lease commitments
Accruals and Deferred Income
other liabilities
1,503,945
900,000
2,166,667
1,333,333
3,995,024
1,435,628
provisions
38,000
38,000
37,000
38,000
37,800
25,400
6,700
1,200
1,598
2,149
1,995
total long term liabilities
5,090,416
1,766,389
2,146,167
746,686
1,388,907
1,725,131
1,487,000
3,032,549
3,842,948
4,020,424
1,442,328
1,200
1,598
2,149
1,995
total liabilities
7,004,571
2,293,827
3,038,480
2,639,810
3,041,026
3,238,511
2,081,085
3,387,162
7,666,656
6,713,967
3,562,870
922,521
645,125
915,180
1,279,244
net assets
9,612,654
9,488,914
8,083,998
6,986,267
7,542,203
8,087,069
8,448,721
8,434,929
9,384,156
8,181,675
6,058,948
4,272,046
3,463,118
3,012,010
2,750,346
total shareholders funds
9,612,654
9,488,914
8,083,998
6,986,267
7,542,203
8,087,069
8,448,721
8,434,929
9,384,156
8,181,675
6,058,948
4,272,046
3,463,118
3,012,010
2,750,346
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
557,798
-20,085
109,683
156,765
184,965
117,654
305,145
267,432
95,493
110,158
63,968
30,921
28,659
31,127
162,698
Depreciation
27,327
28,161
19,709
24,549
31,214
30,367
31,448
51,907
21,150
14,182
6,169
8,051
5,809
8,316
Amortisation
27,845
20,945
18,326
18,360
6,042
3,924
Tax
-53,749
-9,069
-9,881
-9,054
-4,343
-48,201
-32,792
-4,542
-24,819
-15,547
-8,205
-8,554
-10,574
-46,857
Stock
Debtors
6,307,541
484,293
-760,802
-888,988
-445,201
-314,368
-1,205,821
-3,607,187
1,970,427
4,138,852
3,727,363
1,063,411
80,378
960,182
2,156,205
Creditors
11,445
-3,738
1,534
-21,215
-17,325
59,050
-19,847
-20,145
-2,643,869
573,001
1,199,221
277,794
-269,504
-364,218
1,277,249
Accruals and Deferred Income
35,161
43,671
-692,317
304,479
-289,019
490,939
429
-3,358,999
3,665,053
Deferred Taxes & Provisions
-38,000
1,000
-1,000
200
12,400
18,700
5,500
-398
-551
154
1,995
Cash flow from operations
-5,701,714
-415,339
208,668
1,324,045
352,024
1,012,959
1,473,795
514,790
-845,892
-3,440,662
-2,460,039
-757,130
-322,277
-1,297,884
-752,804
Investing Activities
capital expenditure
-36,734
-75,064
-10,015
-14,551
-283,965
-56,250
-40,239
-57,827
-80,304
-35,115
-73,554
-525,161
-3,364
-7,503
-21,934
Change in Investments
1
1
cash flow from investments
-36,735
-75,064
-10,015
-14,551
-283,965
-56,251
-40,239
-57,827
-80,304
-35,115
-73,554
-525,161
-3,364
-7,503
-21,934
Financing Activities
Bank loans
1,328,917
-291,945
134,449
-572,328
972,324
Group/Directors Accounts
11,194
-112,863
-444,477
530,069
9,171
110,814
Other Short Term Loans
Long term loans
3,324,027
1,124,167
-104,464
-604,221
-336,224
1,137,131
-277,882
-1,643,933
2,471,815
Hire Purchase and Lease Commitments
other long term liabilities
-1,503,945
1,503,945
-900,000
-1,266,667
833,334
-2,661,691
2,559,396
1,435,628
share issue
-37,506
1,443,218
1,059,067
-598,060
-583,465
-380,167
-191,698
-1,080,394
1,184,313
2,029,359
1,734,855
782,947
426,762
234,473
2,629,856
interest
-342,803
-18,217
-61,949
-104,760
-137,313
-94,796
-51,454
-103,473
-72,783
8,029
3,625
3,264
4,241
6,638
4,649
cash flow from financing
4,283,829
640,415
2,086,571
-1,349,300
-75,507
-127,018
-1,787,701
-1,994,466
921,654
4,596,784
3,174,108
786,211
431,003
241,111
2,634,505
cash and cash equivalents
cash
-1,454,620
150,012
2,285,223
-39,806
-543,859
1,088,182
-95,255
-1,627,454
104,439
1,121,007
640,516
-496,079
105,362
-1,064,276
1,859,767
overdraft
-536,412
258,492
258,890
-89,951
108,981
change in cash
-1,454,620
150,012
2,285,223
-39,806
-7,447
829,690
-354,145
-1,537,503
-4,542
1,121,007
640,516
-496,079
105,362
-1,064,276
1,859,767
business & enterprise finance ltd. 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 business & enterprise finance ltd.. Get real-time insights into business & enterprise finance ltd.'s credit score, group structure and payment trends.
Business & Enterprise Finance Ltd. Competitor Analysis
Perform a competitor analysis for business & enterprise finance ltd. by selecting its closest rivals, whether from the FINANCIAL AND INSURANCE ACTIVITIES sector, other mid companies, companies in BD1 area or any other competitors across 12 key performance metrics.
business & enterprise finance ltd. Ownership
BUSINESS & ENTERPRISE FINANCE LTD. group structure
Business & Enterprise Finance Ltd. has 2 subsidiary companies.
The sole shareholder of Business & Enterprise Finance Ltd. is -.
-
-
business & enterprise finance ltd. directors
Business & Enterprise Finance Ltd. currently has 8 directors.
The longest serving directors include
Mr Stephen Waud (Nov 2006) and
Mr Timothy Hamilton (Dec 2021).
business & enterprise finance ltd. company details
company number
01792109
Type
Private Ltd By Guarantee w/o Share Cap
industry
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.
city hub 9- 11 peckover street, little germany, bradford, BD1 5BD
Bank
-
Legal Advisor
-
business & enterprise finance ltd. 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 44 charges/mortgages relating to business & enterprise finance ltd.. Currently there are 6 open charges and 38 have been satisfied in the past.
business & enterprise finance ltd. 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 BUSINESS & ENTERPRISE FINANCE LTD.. This can take several minutes, an email will notify you when this has completed.
business & enterprise finance ltd.Companies House Filings - See Documents
