creditcard keys limited Company Information
Company Number
02249328
Website
http://www.cckeys.comRegistered Address
lifford hall liffford lane, kings norton, birmingham, west midlands, B30 3JN
Industry
Agents specialised in the sale of other particular products
Telephone
441214454551
Next Accounts Due
September 2024
Group Structure
View All
Directors
Jefferson Ritson31 Years
Shareholders
credit card keys (holdings) ltd 100%
creditcard keys limited Estimated Valuation
Pomanda estimates the enterprise value of CREDITCARD KEYS LIMITED at £651.2k based on a Turnover of £1.7m and 0.38x industry multiple (adjusted for size and gross margin).
creditcard keys limited Estimated Valuation
Pomanda estimates the enterprise value of CREDITCARD KEYS LIMITED at £868.3k based on an EBITDA of £269.1k and a 3.23x industry multiple (adjusted for size and gross margin).
creditcard keys limited Estimated Valuation
Pomanda estimates the enterprise value of CREDITCARD KEYS LIMITED at £2.1m based on Net Assets of £1.1m and 1.9x industry multiple (adjusted for liquidity).
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Creditcard Keys Limited Overview
Creditcard Keys Limited is a live company located in birmingham, B30 3JN with a Companies House number of 02249328. It operates in the agents specialized in the sale of other particular products sector, SIC Code 46180. Founded in April 1988, it's largest shareholder is credit card keys (holdings) ltd with a 100% stake. Creditcard Keys Limited is a mature, small sized company, Pomanda has estimated its turnover at £1.7m with low growth in recent years.
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Creditcard Keys Limited Health Check
Pomanda's financial health check has awarded Creditcard Keys Limited a 5 rating. We use a traffic light system to show it exceeds the industry average on 5 measures and has 5 areas for improvement. Company Health Check FAQs
5 Strong
2 Regular
5 Weak
Size
annual sales of £1.7m, make it smaller than the average company (£9.5m)
- Creditcard Keys Limited
£9.5m - Industry AVG
Growth
3 year (CAGR) sales growth of 3%, show it is growing at a slower rate (3.9%)
- Creditcard Keys Limited
3.9% - Industry AVG
Production
with a gross margin of 17%, this company has a higher cost of product (27.9%)
- Creditcard Keys Limited
27.9% - Industry AVG
Profitability
an operating margin of 14.7% make it more profitable than the average company (5.8%)
- Creditcard Keys Limited
5.8% - Industry AVG
Employees
with 13 employees, this is similar to the industry average (16)
13 - Creditcard Keys Limited
16 - Industry AVG
Pay Structure
on an average salary of £53.7k, the company has an equivalent pay structure (£53.7k)
- Creditcard Keys Limited
£53.7k - Industry AVG
Efficiency
resulting in sales per employee of £132.8k, this is less efficient (£366.8k)
- Creditcard Keys Limited
£366.8k - Industry AVG
Debtor Days
it gets paid by customers after 82 days, this is later than average (53 days)
- Creditcard Keys Limited
53 days - Industry AVG
Creditor Days
its suppliers are paid after 137 days, this is slower than average (35 days)
- Creditcard Keys Limited
35 days - Industry AVG
Stock Days
it holds stock equivalent to 7 days, this is less than average (65 days)
- Creditcard Keys Limited
65 days - Industry AVG
Cash Balance
has cash to cover current liabilities for 90 weeks, this is more cash available to meet short term requirements (18 weeks)
90 weeks - Creditcard Keys Limited
18 weeks - Industry AVG
Debt Level
it has a ratio of liabilities to total assets of 32.6%, this is a lower level of debt than the average (54.7%)
32.6% - Creditcard Keys Limited
54.7% - Industry AVG
creditcard keys limited Credit Report and Business Information
Creditcard Keys Limited Competitor Analysis
Perform a competitor analysis for creditcard keys limited by selecting its closest rivals and benchmarking them against 12 key performance metrics.
creditcard keys limited Ownership
CREDITCARD KEYS LIMITED group structure
Creditcard Keys Limited has no subsidiary companies.
Ultimate parent company
1 parent
CREDITCARD KEYS LIMITED
02249328
creditcard keys limited directors
Creditcard Keys Limited currently has 1 director, Mr Jefferson Ritson serving since Apr 1992.
officer | country | age | start | end | role |
---|---|---|---|---|---|
Mr Jefferson Ritson | 71 years | Apr 1992 | - | Director |
CREDITCARD KEYS LIMITED financials
Creditcard Keys Limited's latest turnover from December 2022 is estimated at £1.7 million and the company has net assets of £1.1 million. According to their latest financial statements, Creditcard Keys Limited has 13 employees and maintains cash reserves of £940.8 thousand as reported in the balance sheet.
Data source: Companies House, Pomanda Estimates
Dec 2022 | Dec 2021 | Dec 2020 | Dec 2019 | Dec 2018 | Dec 2017 | Dec 2016 | Dec 2015 | Dec 2014 | Dec 2013 | Dec 2012 | Dec 2011 | Dec 2010 | Dec 2009 | |
---|---|---|---|---|---|---|---|---|---|---|---|---|---|---|
Turnover | ||||||||||||||
Other Income Or Grants | ||||||||||||||
Cost Of Sales | ||||||||||||||
Gross Profit | ||||||||||||||
Admin Expenses | ||||||||||||||
Operating Profit | ||||||||||||||
Interest Payable | ||||||||||||||
Interest Receivable | ||||||||||||||
Pre-Tax Profit | ||||||||||||||
Tax | ||||||||||||||
Profit After Tax | ||||||||||||||
Dividends Paid | ||||||||||||||
Retained Profit | ||||||||||||||
Employee Costs | ||||||||||||||
Number Of Employees | 13 | 12 | 17 | 18 | 18 | 19 | 18 | 18 | ||||||
EBITDA* |
* Earnings Before Interest, Tax, Depreciation and Amortisation
Dec 2022 | Dec 2021 | Dec 2020 | Dec 2019 | Dec 2018 | Dec 2017 | Dec 2016 | Dec 2015 | Dec 2014 | Dec 2013 | Dec 2012 | Dec 2011 | Dec 2010 | Dec 2009 | |
---|---|---|---|---|---|---|---|---|---|---|---|---|---|---|
Tangible Assets | 293,783 | 279,874 | 16,991 | 13,022 | 29,983 | 35,179 | 55,963 | 50,507 | 52,651 | 41,338 | 45,654 | 32,596 | 35,247 | 17,325 |
Intangible Assets | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 600 | 1,200 | 1,800 | 2,400 | 0 | 0 | 1,072 |
Investments & Other | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 |
Debtors (Due After 1 year) | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 518,953 | 480,199 | 385,632 | 267,669 |
Total Fixed Assets | 293,783 | 279,874 | 16,991 | 13,022 | 29,983 | 35,179 | 55,963 | 51,107 | 53,851 | 43,138 | 567,007 | 512,795 | 420,879 | 286,066 |
Stock & work in progress | 28,260 | 25,440 | 24,560 | 24,780 | 24,240 | 24,460 | 24,977 | 23,561 | 22,726 | 21,975 | 22,362 | 22,014 | 20,860 | 21,920 |
Trade Debtors | 388,270 | 354,138 | 247,346 | 282,311 | 325,572 | 328,309 | 369,641 | 365,320 | 370,879 | 287,785 | 245,222 | 174,539 | 217,021 | 130,120 |
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 | 940,834 | 699,151 | 850,925 | 781,785 | 687,091 | 1,168,194 | 892,215 | 537,983 | 501,800 | 412,698 | 312,925 | 294,819 | 217,667 | 167,650 |
misc current assets | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 |
total current assets | 1,357,364 | 1,078,729 | 1,122,831 | 1,088,876 | 1,036,903 | 1,520,963 | 1,286,833 | 926,864 | 895,405 | 722,458 | 580,509 | 491,372 | 455,548 | 319,690 |
total assets | 1,651,147 | 1,358,603 | 1,139,822 | 1,101,898 | 1,066,886 | 1,556,142 | 1,342,796 | 977,971 | 949,256 | 765,596 | 1,147,516 | 1,004,167 | 876,427 | 605,756 |
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 | 537,742 | 473,274 | 488,011 | 600,776 | 794,563 | 514,426 | 473,581 | 268,049 | 351,792 | 281,796 | 266,474 | 289,076 | 308,919 | 280,380 |
Group/Directors Accounts | 0 | 0 | 0 | 0 | 5,348 | 4,666 | 15,245 | 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 | 537,742 | 473,274 | 488,011 | 600,776 | 799,911 | 519,092 | 488,826 | 268,049 | 351,792 | 281,796 | 266,474 | 289,076 | 308,919 | 280,380 |
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 | 537,742 | 473,274 | 488,011 | 600,776 | 799,911 | 519,092 | 488,826 | 268,049 | 351,792 | 281,796 | 266,474 | 289,076 | 308,919 | 280,380 |
net assets | 1,113,405 | 885,329 | 651,811 | 501,122 | 266,975 | 1,037,050 | 853,970 | 709,922 | 597,464 | 483,800 | 881,042 | 715,091 | 567,508 | 325,376 |
total shareholders funds | 1,113,405 | 885,329 | 651,811 | 501,122 | 266,975 | 1,037,050 | 853,970 | 709,922 | 597,464 | 483,800 | 881,042 | 715,091 | 567,508 | 325,376 |
Dec 2022 | Dec 2021 | Dec 2020 | Dec 2019 | Dec 2018 | Dec 2017 | Dec 2016 | Dec 2015 | Dec 2014 | Dec 2013 | Dec 2012 | Dec 2011 | Dec 2010 | Dec 2009 | |
---|---|---|---|---|---|---|---|---|---|---|---|---|---|---|
Operating Activities | ||||||||||||||
Operating Profit | ||||||||||||||
Depreciation | 16,241 | 13,996 | 11,629 | 16,961 | 22,639 | 30,534 | 31,473 | 31,838 | 26,544 | 20,954 | 19,049 | 17,599 | 18,172 | 15,080 |
Amortisation | 0 | 0 | 0 | 0 | 0 | 0 | 600 | 600 | 600 | 600 | 600 | 0 | 0 | 1,072 |
Tax | ||||||||||||||
Stock | 2,820 | 880 | -220 | 540 | -220 | -517 | 1,416 | 835 | 751 | -387 | 348 | 1,154 | -1,060 | 21,920 |
Debtors | 34,132 | 106,792 | -34,965 | -43,261 | -2,737 | -41,332 | 4,321 | -5,559 | 83,094 | -476,390 | 109,437 | 52,085 | 204,864 | 397,789 |
Creditors | 64,468 | -14,737 | -112,765 | -193,787 | 280,137 | 40,845 | 205,532 | -83,743 | 69,996 | 15,322 | -22,602 | -19,843 | 28,539 | 280,380 |
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 | ||||||||||||||
Investing Activities | ||||||||||||||
capital expenditure | ||||||||||||||
Change in Investments | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 |
cash flow from investments | ||||||||||||||
Financing Activities | ||||||||||||||
Bank loans | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 |
Group/Directors Accounts | 0 | 0 | 0 | -5,348 | 682 | -10,579 | 15,245 | 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 | ||||||||||||||
interest | ||||||||||||||
cash flow from financing | ||||||||||||||
cash and cash equivalents | ||||||||||||||
cash | 241,683 | -151,774 | 69,140 | 94,694 | -481,103 | 275,979 | 354,232 | 36,183 | 89,102 | 99,773 | 18,106 | 77,152 | 50,017 | 167,650 |
overdraft | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 |
change in cash | 241,683 | -151,774 | 69,140 | 94,694 | -481,103 | 275,979 | 354,232 | 36,183 | 89,102 | 99,773 | 18,106 | 77,152 | 50,017 | 167,650 |
P&L
December 2022turnover
1.7m
+15%
operating profit
252.9k
0%
gross margin
17.1%
+9.83%
turnover
Turnover, or revenue, is the amount of sales generated by a company within the financial year.
Balance Sheet
December 2022net assets
1.1m
+0.26%
total assets
1.7m
+0.22%
cash
940.8k
+0.35%
net assets
Total assets minus all liabilities
creditcard keys limited company details
company number
02249328
Type
Private limited with Share Capital
industry
46180 - Agents specialised in the sale of other particular products
incorporation date
April 1988
age
36
accounts
Unaudited Abridged
ultimate parent company
previous names
N/A
incorporated
UK
address
lifford hall liffford lane, kings norton, birmingham, west midlands, B30 3JN
last accounts submitted
December 2022
creditcard keys 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 did not find charges/mortgages relating to creditcard keys limited.
creditcard keys limited Companies House Filings - See Documents
date | description | view/download |
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