creditcard keys limited

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creditcard keys limited Company Information

Share CREDITCARD KEYS LIMITED
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Company Number

02249328

Registered 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

£651.2k

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

£868.3k

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

£2.1m

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).

Valuation Calculator
This valuation is estimated based on financial data from December 2022 

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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

Health Check Image
Health Rating5out of 5
positive_score

5 Strong

positive_score

2 Regular

positive_score

5 Weak

size

Size

annual sales of £1.7m, make it smaller than the average company (£9.5m)

£1.7m - Creditcard Keys Limited

£9.5m - Industry AVG

growth

Growth

3 year (CAGR) sales growth of 3%, show it is growing at a slower rate (3.9%)

3% - Creditcard Keys Limited

3.9% - Industry AVG

production

Production

with a gross margin of 17%, this company has a higher cost of product (27.9%)

17% - Creditcard Keys Limited

27.9% - Industry AVG

profitability

Profitability

an operating margin of 14.7% make it more profitable than the average company (5.8%)

14.7% - Creditcard Keys Limited

5.8% - Industry AVG

employees

Employees

with 13 employees, this is similar to the industry average (16)

13 - Creditcard Keys Limited

16 - Industry AVG

paystructure

Pay Structure

on an average salary of £53.7k, the company has an equivalent pay structure (£53.7k)

£53.7k - Creditcard Keys Limited

£53.7k - Industry AVG

efficiency

Efficiency

resulting in sales per employee of £132.8k, this is less efficient (£366.8k)

£132.8k - Creditcard Keys Limited

£366.8k - Industry AVG

debtordays

Debtor Days

it gets paid by customers after 82 days, this is later than average (53 days)

82 days - Creditcard Keys Limited

53 days - Industry AVG

creditordays

Creditor Days

its suppliers are paid after 137 days, this is slower than average (35 days)

137 days - Creditcard Keys Limited

35 days - Industry AVG

stockdays

Stock Days

it holds stock equivalent to 7 days, this is less than average (65 days)

7 days - Creditcard Keys Limited

65 days - Industry AVG

cashbalance

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

debtlevel

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

Very Low Risk70 - 100
Low Risk50 - 70
Moderate Risk30 - 50
High Risk20 - 30
Very High Risk0 - 20
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Creditcard Keys Limited Competitor Analysis

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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 Shareholders

credit card keys (holdings) ltd 100%

creditcard keys limited directors

Creditcard Keys Limited currently has 1 director, Mr Jefferson Ritson serving since Apr 1992.

officercountryagestartendrole
Mr Jefferson Ritson71 years Apr 1992- Director

CREDITCARD KEYS LIMITED financials

EXPORTms excel logo

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 HousePomanda Estimates

Dec 2022Dec 2021Dec 2020Dec 2019Dec 2018Dec 2017Dec 2016Dec 2015Dec 2014Dec 2013Dec 2012Dec 2011Dec 2010Dec 2009
Turnover1,725,8321,501,6131,382,4311,581,7341,796,9061,531,4431,592,8701,449,5151,296,4151,003,850925,408734,763796,8120
Other Income Or Grants00000000000000
Cost Of Sales1,431,9091,268,7581,164,7041,335,6481,519,2611,301,9891,346,2501,228,6071,107,941866,635805,984632,555676,8670
Gross Profit293,923232,855217,727246,086277,645229,455246,621220,908188,473137,215119,423102,208119,9450
Admin Expenses41,047-53,50132,508-37,4761,054,6778,58168,34982,93546,881536,271-97,414-95,947-215,386-451,489
Operating Profit252,876286,356185,219283,562-777,032220,874178,272137,973141,592-399,056216,837198,155335,331451,489
Interest Payable00000000000000
Interest Receivable28,7001,9388165,5086,9575,1511,7882,5992,2861,8141,5191,281963419
Pre-Tax Profit281,575288,294186,036289,070-770,075226,025180,060140,573143,878-397,242218,357199,436336,294451,908
Tax-53,499-54,776-35,347-54,9230-42,945-36,012-28,114-30,2140-52,406-51,853-94,162-126,534
Profit After Tax228,076233,518150,689234,147-770,075183,080144,048112,458113,664-397,242165,951147,583242,132325,374
Dividends Paid00000000000000
Retained Profit228,076233,518150,689234,147-770,075183,080144,048112,458113,664-397,242165,951147,583242,132325,374
Employee Costs698,261622,794817,842886,987840,012867,604817,726823,390131,53084,18685,50082,08981,0520
Number Of Employees1312171818191818322220
EBITDA*269,117300,352196,848300,523-754,393251,408210,345170,411168,736-377,502236,486215,754353,503467,641

* Earnings Before Interest, Tax, Depreciation and Amortisation

Dec 2022Dec 2021Dec 2020Dec 2019Dec 2018Dec 2017Dec 2016Dec 2015Dec 2014Dec 2013Dec 2012Dec 2011Dec 2010Dec 2009
Tangible Assets293,783279,87416,99113,02229,98335,17955,96350,50752,65141,33845,65432,59635,24717,325
Intangible Assets00000006001,2001,8002,400001,072
Investments & Other00000000000000
Debtors (Due After 1 year)0000000000518,953480,199385,632267,669
Total Fixed Assets293,783279,87416,99113,02229,98335,17955,96351,10753,85143,138567,007512,795420,879286,066
Stock & work in progress28,26025,44024,56024,78024,24024,46024,97723,56122,72621,97522,36222,01420,86021,920
Trade Debtors388,270354,138247,346282,311325,572328,309369,641365,320370,879287,785245,222174,539217,021130,120
Group Debtors00000000000000
Misc Debtors00000000000000
Cash940,834699,151850,925781,785687,0911,168,194892,215537,983501,800412,698312,925294,819217,667167,650
misc current assets00000000000000
total current assets1,357,3641,078,7291,122,8311,088,8761,036,9031,520,9631,286,833926,864895,405722,458580,509491,372455,548319,690
total assets1,651,1471,358,6031,139,8221,101,8981,066,8861,556,1421,342,796977,971949,256765,5961,147,5161,004,167876,427605,756
Bank overdraft00000000000000
Bank loan00000000000000
Trade Creditors 537,742473,274488,011600,776794,563514,426473,581268,049351,792281,796266,474289,076308,919280,380
Group/Directors Accounts00005,3484,66615,2450000000
other short term finances00000000000000
hp & lease commitments00000000000000
other current liabilities00000000000000
total current liabilities537,742473,274488,011600,776799,911519,092488,826268,049351,792281,796266,474289,076308,919280,380
loans00000000000000
hp & lease commitments00000000000000
Accruals and Deferred Income00000000000000
other liabilities00000000000000
provisions00000000000000
total long term liabilities00000000000000
total liabilities537,742473,274488,011600,776799,911519,092488,826268,049351,792281,796266,474289,076308,919280,380
net assets1,113,405885,329651,811501,122266,9751,037,050853,970709,922597,464483,800881,042715,091567,508325,376
total shareholders funds1,113,405885,329651,811501,122266,9751,037,050853,970709,922597,464483,800881,042715,091567,508325,376
Dec 2022Dec 2021Dec 2020Dec 2019Dec 2018Dec 2017Dec 2016Dec 2015Dec 2014Dec 2013Dec 2012Dec 2011Dec 2010Dec 2009
Operating Activities
Operating Profit252,876286,356185,219283,562-777,032220,874178,272137,973141,592-399,056216,837198,155335,331451,489
Depreciation16,24113,99611,62916,96122,63930,53431,47331,83826,54420,95419,04917,59918,17215,080
Amortisation000000600600600600600001,072
Tax-53,499-54,776-35,347-54,9230-42,945-36,012-28,114-30,2140-52,406-51,853-94,162-126,534
Stock2,820880-220540-220-5171,416835751-3873481,154-1,06021,920
Debtors34,132106,792-34,965-43,261-2,737-41,3324,321-5,55983,094-476,390109,43752,085204,864397,789
Creditors64,468-14,737-112,765-193,787280,13740,845205,532-83,74369,99615,322-22,602-19,84328,539280,380
Accruals and Deferred Income00000000000000
Deferred Taxes & Provisions00000000000000
Cash flow from operations243,134123,16783,92194,534-471,299291,157374,12863,278124,673114,59751,69390,81984,076201,778
Investing Activities
capital expenditure-30,150-276,879-15,5980-17,443-9,750-36,929-29,694-37,857-16,638-35,107-14,948-35,022-34,549
Change in Investments00000000000000
cash flow from investments-30,150-276,879-15,5980-17,443-9,750-36,929-29,694-37,857-16,638-35,107-14,948-35,022-34,549
Financing Activities
Bank loans00000000000000
Group/Directors Accounts000-5,348682-10,57915,2450000000
Other Short Term Loans 00000000000000
Long term loans00000000000000
Hire Purchase and Lease Commitments00000000000000
other long term liabilities00000000000000
share issue00000000000002
interest28,7001,9388165,5086,9575,1511,7882,5992,2861,8141,5191,281963419
cash flow from financing28,7001,9388161607,639-5,42817,0332,5992,2861,8141,5191,281963421
cash and cash equivalents
cash241,683-151,77469,14094,694-481,103275,979354,23236,18389,10299,77318,10677,15250,017167,650
overdraft00000000000000
change in cash241,683-151,77469,14094,694-481,103275,979354,23236,18389,10299,77318,10677,15250,017167,650

P&L

December 2022

turnover

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 2022

net 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.

charges

creditcard keys limited Companies House Filings - See Documents

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