Premier Commercial Finance Limited

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premier commercial finance limited Company Information

Company Number

02475426

Next Accounts

Dec 2025

Directors

Christopher Godwin

Michael Godwin

Shareholders

myra jane godwin

sherry lynn godwin

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Group Structure

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Industry

Other business support service activities n.e.c.

Registered Address

c/o stephenson & co, ground floor austin house, 43 poole road westbourne, bournemouth dorset, BH4 9DN

Website

www.premiergroup.biz

premier commercial finance limited Estimated Valuation

£391.4k

Pomanda estimates the enterprise value of PREMIER COMMERCIAL FINANCE LIMITED at £391.4k based on a Turnover of £711.6k and 0.55x industry multiple (adjusted for size and gross margin).

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Premier Commercial Finance Limited is a live company located in 43 poole road westbourne, BH4 9DN with a Companies House number of 02475426. It operates in the other business support service activities n.e.c. sector, SIC Code 82990. Founded in February 1990, it's largest shareholder is myra jane godwin with a 25% stake. Premier Commercial Finance Limited is a mature, small sized company, Pomanda has estimated its turnover at £711.6k with healthy growth in recent years.

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Pomanda's financial health check has awarded Premier Commercial Finance Limited a 1.5 rating. We use a traffic light system to show it exceeds the industry average on 1 measures and has 8 areas for improvement. Company Health Check FAQs

Health Rating1.5out of 5

1 Strong

2 Regular

8 Weak

Size

annual sales of £711.6k, make it smaller than the average company (£3.7m)

Growth

3 year (CAGR) sales growth of 6%, show it is growing at a slower rate (8.2%)

EXPORT

Premier Commercial Finance Limited's latest turnover from March 2024 is estimated at £711.6 thousand and the company has net assets of £10.2 thousand. According to their latest financial statements, Premier Commercial Finance Limited has 3 employees and maintains cash reserves of £90.3 thousand 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	711,624	689,405	714,177	590,702	1,159,313	945,420	905,192	824,781	1,016,157	2,608,038	1,801,413	1,551,531	419,636	678,475	1,047,732
Other Income Or Grants
Cost Of Sales	441,487	423,865	443,166	370,493	719,010	589,471	562,176	504,114	633,898	1,651,105	1,148,253	983,492	259,019	407,587	623,966
Gross Profit	270,137	265,540	271,011	220,210	440,303	355,949	343,017	320,668	382,259	956,933	653,159	568,039	160,617	270,888	423,766
Admin Expenses	263,041	341,164	177,308	239,039	480,619	282,573	340,120	312,149	378,359	957,076	651,692	457,598	244,838	282,740	407,348
Operating Profit	7,096	-75,624	93,703	-18,829	-40,316	73,376	2,897	8,519	3,900	-143	1,467	110,441	-84,221	-11,852	16,418
Interest Payable	3,938	5,638	5,063	2,593			1,273	5,997	4,964
Interest Receivable	6,208	8,344	1,626	98	33	440	355	153	161	147	169	157	87	295	285
Pre-Tax Profit	9,367	-72,918	90,267	-21,323	-40,283	73,816	1,979	2,674	-903	4	1,636	110,597	-84,134	-11,557	16,703
Tax	-2,342		-17,151			-14,025	-376	-535		-1	-376	-26,543			-4,677
Profit After Tax	7,025	-72,918	73,116	-21,323	-40,283	59,791	1,603	2,139	-903	3	1,260	84,054	-84,134	-11,557	12,026
Dividends Paid
Retained Profit	7,025	-72,918	73,116	-21,323	-40,283	59,791	1,603	2,139	-903	3	1,260	84,054	-84,134	-11,557	12,026
Employee Costs	139,407	223,945	338,237	362,128	358,027	347,256	327,295	248,772	285,097	745,983	528,880	452,459	138,889	205,659	318,609
Number Of Employees	3	5	8	9	9	9	9	7	8	21	15	13	4	6	9
EBITDA*	8,986	-73,262	95,450	-11,993	-22,214	89,973	19,436	22,532	16,300	11,354	10,892	115,996	-70,570	2,771	40,509

* 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	7,557	9,447	6,985	14,288	32,876	50,978	65,781	77,077	29,383	35,452	46,518	25,241	41,296	54,947	67,434
Intangible Assets
Investments & Other
Debtors (Due After 1 year)
Total Fixed Assets	7,557	9,447	6,985	14,288	32,876	50,978	65,781	77,077	29,383	35,452	46,518	25,241	41,296	54,947	67,434
Stock & work in progress				500	500	500	500	500	500	500	500	500	500	500	500
Trade Debtors	131,740	127,000	100,000	80,000	232,000	187,500	180,000	178,330	193,585	350,589	227,491	215,989	37,099	76,132	117,612
Group Debtors
Misc Debtors	81,415	43,640	63,823	14,659	10,579	10,741	14,784	12,696	64,494		9,305		26,176	44,446
Cash	90,274	146,232	246,424	187,203	9,664	55,873	61,544	80,405	41,746	22,686	35,915	31,718	30,908	4,045	113,927
misc current assets
total current assets	303,429	316,872	410,247	282,362	252,743	254,614	256,828	271,931	300,325	373,775	273,211	248,207	94,683	125,123	232,039
total assets	310,986	326,319	417,232	296,650	285,619	305,592	322,609	349,008	329,708	409,227	319,729	273,448	135,979	180,070	299,473
Bank overdraft	20,000	20,000	20,000	85,000				39,175	152,744
Bank loan
Trade Creditors	25,000	2,679	25,000	673	20,586	772	1,565	1,055	41,589	390,921	295,149	208,375	109,684	157,296	254,254
Group/Directors Accounts
other short term finances
hp & lease commitments
other current liabilities	250,783	275,462	251,136	207,997	120,336	157,527	142,696	126,615	81,150
total current liabilities	295,783	298,141	296,136	293,670	140,922	158,299	185,646	166,845	275,483	390,921	295,149	208,375	109,684	157,296	254,254
loans	5,000	25,000	45,000
hp & lease commitments
Accruals and Deferred Income
other liabilities					120,394	82,707	132,168	178,971	53,172	16,350	22,627	64,380	109,656	22,005	32,893
provisions
total long term liabilities	5,000	25,000	45,000		120,394	82,707	132,168	178,971	53,172	16,350	22,627	64,380	109,656	22,005	32,893
total liabilities	300,783	323,141	341,136	293,670	261,316	241,006	317,814	345,816	328,655	407,271	317,776	272,755	219,340	179,301	287,147
net assets	10,203	3,178	76,096	2,980	24,303	64,586	4,795	3,192	1,053	1,956	1,953	693	-83,361	769	12,326
total shareholders funds	10,203	3,178	76,096	2,980	24,303	64,586	4,795	3,192	1,053	1,956	1,953	693	-83,361	769	12,326

	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	7,096	-75,624	93,703	-18,829	-40,316	73,376	2,897	8,519	3,900	-143	1,467	110,441	-84,221	-11,852	16,418
Depreciation	1,890	2,362	1,747	6,836	18,102	16,597	16,539	14,013	12,400	11,497	9,425	5,555	13,651	14,623	24,091
Amortisation
Tax	-2,342		-17,151			-14,025	-376	-535		-1	-376	-26,543			-4,677
Stock			-500												500
Debtors	42,515	6,817	69,164	-147,920	44,338	3,457	3,758	-67,053	-92,510	113,793	20,807	152,714	-57,303	2,966	117,612
Creditors	22,321	-22,321	24,327	-19,913	19,814	-793	510	-40,534	-349,332	95,772	86,774	98,691	-47,612	-96,958	254,254
Accruals and Deferred Income	-24,679	24,326	43,139	87,661	-37,191	14,831	16,081	45,465	81,150
Deferred Taxes & Provisions
Cash flow from operations	-38,229	-78,074	77,101	203,675	-83,929	86,529	31,893	93,981	-159,372	-6,668	76,483	35,430	-60,879	-97,153	171,974
Investing Activities
capital expenditure		-4,824	5,556	11,752		-1,794	-5,243	-61,707	-6,331	-431	-30,702	10,500		-2,136	-91,525
Change in Investments
cash flow from investments		-4,824	5,556	11,752		-1,794	-5,243	-61,707	-6,331	-431	-30,702	10,500		-2,136	-91,525
Financing Activities
Bank loans
Group/Directors Accounts
Other Short Term Loans
Long term loans	-20,000	-20,000	45,000
Hire Purchase and Lease Commitments
other long term liabilities				-120,394	37,687	-49,461	-46,803	125,799	36,822	-6,277	-41,753	-45,276	87,651	-10,888	32,893
share issue													4		300
interest	2,270	2,706	-3,437	-2,495	33	440	-918	-5,844	-4,803	147	169	157	87	295	285
cash flow from financing	-17,730	-17,294	41,563	-122,889	37,720	-49,021	-47,721	119,955	32,019	-6,130	-41,584	-45,119	87,742	-10,593	33,478
cash and cash equivalents
cash	-55,958	-100,192	59,221	177,539	-46,209	-5,671	-18,861	38,659	19,060	-13,229	4,197	810	26,863	-109,882	113,927
overdraft			-65,000	85,000			-39,175	-113,569	152,744
change in cash	-55,958	-100,192	124,221	92,539	-46,209	-5,671	20,314	152,228	-133,684	-13,229	4,197	810	26,863	-109,882	113,927

Very Low Risk70 - 100

Low Risk50 - 70

Moderate Risk30 - 50

High Risk20 - 30

Very High Risk0 - 20

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PREMIER COMMERCIAL FINANCE LIMITED group structure

Premier Commercial Finance Limited has no subsidiary companies.

Ultimate parent company

PREMIER COMMERCIAL FINANCE LIMITED

02475426

PREMIER COMMERCIAL FINANCE LIMITED Shareholders

myra jane godwin	25%
sherry lynn godwin	25%
michael peter godwin	25%
christopher paul godwin	25%

Premier Commercial Finance Limited currently has 2 directors. The longest serving directors include Mr Christopher Godwin (Feb 1992) and Mr Michael Godwin (Feb 1992).

officer	country	age	start	end	role
Mr Christopher Godwin	England	75 years	Feb 1992	-	Director
Mr Michael Godwin		73 years	Feb 1992	-	Director

P&L

March 2024

turnover

711.6k

+3%

operating profit

7.1k

gross margin

38%

-1.44%

turnover

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

Balance Sheet

March 2024

net assets

10.2k

+2.21%

total assets

311k

-0.05%

cash

90.3k

-0.38%

net assets

Total assets minus all liabilities

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company number

02475426

Type

Private limited with Share Capital

industry

82990 - Other business support service activities n.e.c.

incorporation date

February 1990

ultimate parent company

None

previous names

linglade limited (April 1990)

address

c/o stephenson & co, ground floor austin house, 43 poole road westbourne, bournemouth dorset, BH4 9DN

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premier commercial finance limited Company Information

premier commercial finance limited Estimated Valuation

premier commercial finance limited Estimated Valuation

premier commercial finance limited Estimated Valuation

Premier Commercial Finance Limited Overview

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PREMIER COMMERCIAL FINANCE LIMITED financials

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