Pomanda estimates the enterprise value of CREDITINCOME LIMITED at £67.7m based on a Turnover of £51.6m and 1.31x industry multiple (adjusted for size and gross margin).
creditincome limitedEstimated Valuation
£39.8m
Pomanda estimates the enterprise value of CREDITINCOME LIMITED at £39.8m based on an EBITDA of £8.2m and a 4.83x industry multiple (adjusted for size and gross margin).
creditincome limitedEstimated Valuation
£176.5m
Pomanda estimates the enterprise value of CREDITINCOME LIMITED at £176.5m based on Net Assets of £77.8m and 2.27x industry multiple (adjusted for liquidity).
Edit your figures and get a professional valuation report.
Creditincome LimitedOverview
Creditincome Limited is a live company located in london, N3 1XW with a Companies House number of 02591468. It operates in the security dealing on own account sector, SIC Code 64991. Founded in March 1991, it's largest shareholder is
john henry ritblat
with a 100% stake. Creditincome Limited is a mature,
large sized company, Pomanda has estimated its turnover at
£51.6m with
declining
growth in recent years.
Pomanda's financial health check has awarded Creditincome Limited a 4.5 rating. We use a traffic light system to show it exceeds the industry average on 4 measures and has 4 areas for improvement. Company Health Check FAQs
Health Rating4.5out of 5
4 Strong
2 Regular
4 Weak
Size
annual sales of £51.6m, make it larger than the average company (£5.4m)
£51.6m - Creditincome Limited
£5.4m - Industry AVG
Growth
3 year (CAGR) sales growth of -6%, show it is growing at a slower rate (0%)
-6% - Creditincome Limited
0% - Industry AVG
Production
with a gross margin of 7%, this company has a higher cost of product (75.7%)
7% - Creditincome Limited
75.7% - Industry AVG
Profitability
an operating margin of 16% make it more profitable than the average company (9.6%)
16% - Creditincome Limited
9.6% - Industry AVG
Employees
with 8 employees, this is similar to the industry average (8)
8 - Creditincome Limited
8 - Industry AVG
Pay Structure
on an average salary of £86.4k, the company has an equivalent pay structure (£88.8k)
£86.4k - Creditincome Limited
£88.8k - Industry AVG
Efficiency
resulting in sales per employee of £6.4m, this is more efficient (£268.5k)
£6.4m - Creditincome Limited
£268.5k - Industry AVG
Debtor Days
There is insufficient data available for this Key Performance Indicator!
- - Creditincome Limited
- - Industry AVG
Creditor Days
its suppliers are paid after 0 days, this is quicker than average (23 days)
0 days - Creditincome Limited
23 days - Industry AVG
Stock Days
There is insufficient data available for this Key Performance Indicator!
- - Creditincome Limited
- - Industry AVG
Cash Balance
has cash to cover current liabilities
for 8 weeks, this is less cash available to meet short term requirements (14 weeks)
8 weeks - Creditincome Limited
14 weeks - Industry AVG
Debt Level
it has a ratio of liabilities to total assets of 45.2%, this is a lower level of debt than the average (60.1%)
45.2% - Creditincome Limited
60.1% - Industry AVG
CREDITINCOME LIMITED financials
EXPORT
Creditincome Limited's latest turnover from March 2024 is £51.6 million and the company has net assets of £77.8 million. According to their latest financial statements, Creditincome Limited has 8 employees and maintains cash reserves of £9.2 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
Apr 2010
Turnover
51,558,822
59,867,635
61,954,000
61,172,000
137,597,000
71,338,000
58,374,000
47,292,506
34,740,761
35,188,882
26,993,595
10,904,913
11,760,218
29,628,837
19,530,754
Other Income Or Grants
Cost Of Sales
47,949,899
57,796,025
60,148,000
58,975,000
137,029,000
70,225,000
56,764,000
43,407,941
33,380,088
34,222,655
22,071,926
9,661,844
12,037,106
29,313,161
13,352,620
Gross Profit
3,608,923
2,071,610
1,806,000
2,197,000
568,000
1,113,000
1,610,000
3,884,565
1,360,673
966,227
4,921,669
1,243,069
-276,888
315,676
6,178,134
Admin Expenses
-4,619,552
2,015,610
-1,394,000
-17,809,000
15,624,000
-955,000
1,386,000
-6,494,406
3,962,402
-5,262,448
-2,272,535
-4,021,211
-1,545,255
-747,050
-2,212,465
Operating Profit
8,228,475
56,000
3,200,000
20,006,000
-15,056,000
2,068,000
224,000
10,378,971
-2,601,729
6,228,675
7,194,204
5,264,280
1,268,367
1,062,726
8,390,599
Interest Payable
283,878
401,216
205,000
21,000
66,000
67,000
492,859
463,491
561,765
511,244
81,279
124,081
Interest Receivable
2,334,479
1,262,362
1,596,162
1,814,249
Pre-Tax Profit
9,184,348
-1,196,145
3,386,000
21,039,000
-14,856,000
2,680,000
385,000
12,490,589
1,124,622
11,266,865
8,381,488
5,956,881
914,046
-858,002
11,262,957
Tax
-1,618,828
1,045,704
-1,249,000
-3,828,000
2,932,000
-129,000
107,000
-1,899,297
283,481
-2,133,251
-1,757,471
-852,438
-306,928
-444,959
-1,075,552
Profit After Tax
7,565,520
-150,441
2,137,000
17,211,000
-11,924,000
2,551,000
492,000
10,591,292
1,408,103
9,133,614
6,624,017
5,104,443
607,118
-1,302,961
10,187,405
Dividends Paid
Retained Profit
7,565,520
-150,441
2,137,000
17,211,000
-11,924,000
2,551,000
492,000
10,591,292
1,408,103
9,133,614
6,624,017
5,104,443
607,118
-1,302,961
10,187,405
Employee Costs
691,488
710,565
708,000
680,000
686,000
661,000
379,000
366,807
349,219
371,001
275,077
241,783
233,188
180,239
174,025
Number Of Employees
8
8
8
8
8
8
9
9
9
6
6
6
6
6
6
EBITDA*
8,237,808
56,000
3,206,000
20,006,000
-15,056,000
2,068,000
224,000
10,378,971
-2,601,729
6,228,675
7,194,347
5,264,351
1,268,438
1,159,116
8,390,599
* 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
Apr 2010
Tangible Assets
23,574
6,166
13,000
143
832,874
1,067,181
Intangible Assets
Investments & Other
119,948,270
121,022,425
112,489,000
82,362,000
60,111,000
70,280,000
60,915,000
57,250,719
50,966,799
60,884,458
36,685,537
27,944,844
10,501,526
8,692,154
3,094,034
Debtors (Due After 1 year)
Total Fixed Assets
119,971,844
121,028,591
112,502,000
82,362,000
60,111,000
70,280,000
60,915,000
57,250,719
50,966,799
60,884,458
36,685,537
27,944,987
11,334,400
9,759,335
3,094,034
Stock & work in progress
14,791,425
21,991,076
31,950,762
35,149,530
41,707,255
Trade Debtors
32,000
5,000
126,000
158,000
221,000
317,678
136,663
284,359
1,531,837
1,152,024
584,783
565,576
Group Debtors
Misc Debtors
1,457,281
564,180
562,000
396,000
1,475,000
274,000
124,000
183,740
9,793,953
340,869
468,727
796,783
76,630
114,435
819,250
Cash
9,161,804
20,734,395
26,531,000
45,918,000
21,199,000
33,255,000
41,654,000
48,599,662
23,641,181
28,207,790
31,902,847
28,474,285
24,635,913
26,608,054
23,560,757
misc current assets
11,293,228
9,536,758
9,755,000
10,266,000
11,222,000
11,987,000
12,854,000
22,621,654
21,169,620
22,038,950
total current assets
21,912,313
30,835,333
36,880,000
56,585,000
34,022,000
45,674,000
54,853,000
71,722,734
54,741,417
50,871,968
48,694,836
52,414,168
57,248,088
62,437,595
66,087,262
total assets
141,884,157
151,863,924
149,382,000
138,947,000
94,133,000
115,954,000
115,768,000
128,973,453
105,708,216
111,756,426
85,380,373
80,359,155
68,582,488
72,196,930
69,181,296
Bank overdraft
Bank loan
Trade Creditors
21,490
43,313
52,000
12,400
16,241
7,286
Group/Directors Accounts
1,000
other short term finances
10,006,575
10,005,000
745,589
1,755,308
hp & lease commitments
other current liabilities
59,371,476
68,507,196
64,835,000
67,842,000
43,074,000
50,619,000
52,964,000
67,258,996
55,180,241
61,335,153
60,356,447
39,890,183
45,279,131
47,522,398
55,264,987
total current liabilities
59,392,966
78,557,084
74,892,000
67,842,000
43,074,000
50,619,000
52,965,000
67,258,996
55,180,241
61,335,153
60,356,447
40,648,172
47,050,680
47,529,684
55,264,987
loans
2,062,556
hp & lease commitments
Accruals and Deferred Income
other liabilities
75,000
75,000
75,000
21,386,074
8,311,342
9,991,342
provisions
4,667,814
3,048,983
4,083,000
2,835,000
2,352,000
2,371,000
2,685,314
2,015,124
3,316,525
total long term liabilities
4,667,814
3,048,983
4,083,000
2,835,000
2,352,000
2,371,000
2,685,314
2,090,124
3,391,525
75,000
21,386,074
8,311,342
12,053,898
total liabilities
64,060,780
81,606,067
78,975,000
70,677,000
43,074,000
52,971,000
55,336,000
69,944,310
57,270,365
64,726,678
60,431,447
62,034,246
55,362,022
59,583,582
55,264,987
net assets
77,823,377
70,257,857
70,407,000
68,270,000
51,059,000
62,983,000
60,432,000
59,029,143
48,437,851
47,029,748
24,948,926
18,324,909
13,220,466
12,613,348
13,916,309
total shareholders funds
77,823,377
70,257,857
70,407,000
68,270,000
51,059,000
62,983,000
60,432,000
59,029,143
48,437,851
47,029,748
24,948,926
18,324,909
13,220,466
12,613,348
13,916,309
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
Apr 2010
Operating Activities
Operating Profit
8,228,475
56,000
3,200,000
20,006,000
-15,056,000
2,068,000
224,000
10,378,971
-2,601,729
6,228,675
7,194,204
5,264,280
1,268,367
1,062,726
8,390,599
Depreciation
9,333
6,000
143
71
71
1,284
Amortisation
95,106
Tax
-1,618,828
1,045,704
-1,249,000
-3,828,000
2,932,000
-129,000
107,000
-1,899,297
283,481
-2,133,251
-1,757,471
-852,438
-306,928
-444,959
-1,075,552
Stock
-14,791,425
-7,199,651
-9,959,686
-3,198,768
-6,557,725
41,707,255
Debtors
893,101
-29,820
193,000
-1,200,000
1,169,000
87,000
-156,418
-9,429,198
9,305,388
-1,375,336
51,757
1,287,394
-18,598
-139,239
819,250
Creditors
-21,823
-8,687
52,000
-12,400
-3,841
8,955
7,286
Accruals and Deferred Income
-9,135,720
3,672,196
-3,007,000
24,768,000
-7,545,000
-2,345,000
-14,294,996
12,078,755
-6,154,912
978,706
20,466,264
-5,388,948
-2,243,267
-7,742,589
55,264,987
Deferred Taxes & Provisions
1,618,831
-1,034,017
1,248,000
2,835,000
-2,352,000
-19,000
-314,314
670,190
-1,301,401
3,316,525
Cash flow from operations
-1,812,833
3,761,016
57,000
44,981,000
-23,190,000
-512,000
-14,121,892
30,657,817
-19,079,949
24,557,416
33,038,634
7,691,416
1,944,564
-324,182
20,053,529
Investing Activities
capital expenditure
-5,744,000
6,263,000
1,791,995
9,688,727
-3,620,755
-7,744,864
-15,918,057
330,543
-8,682,582
5,117,106
Change in Investments
-1,074,155
8,533,425
30,127,000
22,251,000
-10,169,000
9,365,000
3,664,281
6,283,920
-9,917,659
24,198,921
8,740,693
17,443,318
1,809,372
5,598,120
3,094,034
cash flow from investments
1,074,155
-8,533,425
-30,127,000
-22,251,000
10,169,000
-15,109,000
2,598,719
-4,491,925
19,606,386
-27,819,676
-16,485,557
-33,361,375
-1,478,829
-14,280,702
2,023,072
Financing Activities
Bank loans
Group/Directors Accounts
-1,000
1,000
Other Short Term Loans
-10,006,575
1,575
10,005,000
-745,589
-1,009,719
1,755,308
Long term loans
-2,062,556
2,062,556
Hire Purchase and Lease Commitments
other long term liabilities
-75,000
-21,311,074
13,074,732
-1,680,000
9,991,342
share issue
1,298
910,857
12,947,208
3,728,904
interest
-283,878
-401,216
-205,000
-21,000
-66,000
-67,000
-492,859
-463,491
-561,765
-511,244
2,253,200
1,138,281
1,596,162
1,814,249
cash flow from financing
-10,290,453
-398,343
9,800,000
-21,000
-67,000
844,857
-567,859
-463,491
12,385,443
-22,567,907
14,318,213
-848,967
13,650,060
5,543,153
cash and cash equivalents
cash
-11,572,591
-5,796,605
-19,387,000
24,719,000
-12,056,000
-8,399,000
-6,945,662
24,958,481
-4,566,609
-3,695,057
3,428,562
3,838,372
-1,972,141
3,047,297
23,560,757
overdraft
change in cash
-11,572,591
-5,796,605
-19,387,000
24,719,000
-12,056,000
-8,399,000
-6,945,662
24,958,481
-4,566,609
-3,695,057
3,428,562
3,838,372
-1,972,141
3,047,297
23,560,757
creditincome 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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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 14 charges/mortgages relating to creditincome limited. Currently there are 5 open charges and 9 have been satisfied in the past.
creditincome limited Capital Raised & Share Issues BETA
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creditincome limitedCompanies House Filings - See Documents
