bfsl limited
bfsl limited Company Information
Company Number
02706280
Next Accounts
Sep 2025
Shareholders
bisl limited
Group Structure
View All
Industry
Activities of financial services holding companies
Registered Address
fusion house katharine way, bretton, peterborough, PE3 8BG
Website
budgetinsurance.combfsl limited Estimated Valuation
Pomanda estimates the enterprise value of BFSL LIMITED at £168.5m based on a Turnover of £53.4m and 3.15x industry multiple (adjusted for size and gross margin).
bfsl limited Estimated Valuation
Pomanda estimates the enterprise value of BFSL LIMITED at £415.3m based on an EBITDA of £39.4m and a 10.55x industry multiple (adjusted for size and gross margin).
bfsl limited Estimated Valuation
Pomanda estimates the enterprise value of BFSL LIMITED at £73.4m based on Net Assets of £39.2m and 1.87x industry multiple (adjusted for liquidity).
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Bfsl Limited Overview
Bfsl Limited is a live company located in peterborough, PE3 8BG with a Companies House number of 02706280. It operates in the activities of financial services holding companies sector, SIC Code 64205. Founded in April 1992, it's largest shareholder is bisl limited with a 100% stake. Bfsl Limited is a mature, large sized company, Pomanda has estimated its turnover at £53.4m with declining growth in recent years.
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Bfsl Limited Health Check
Pomanda's financial health check has awarded Bfsl Limited a 3 rating. We use a traffic light system to show it exceeds the industry average on 3 measures and has 3 areas for improvement. Company Health Check FAQs
3 Strong
2 Regular
3 Weak
Size
annual sales of £53.4m, make it larger than the average company (£11.6m)
£53.4m - Bfsl Limited
£11.6m - Industry AVG
Growth
3 year (CAGR) sales growth of -11%, show it is growing at a slower rate (9.2%)
-11% - Bfsl Limited
9.2% - Industry AVG
Production
with a gross margin of 79.3%, this company has a comparable cost of product (79.3%)
79.3% - Bfsl Limited
79.3% - Industry AVG
Profitability
an operating margin of 73.7% make it more profitable than the average company (9.5%)
73.7% - Bfsl Limited
9.5% - Industry AVG
Employees
with 252 employees, this is above the industry average (64)
- Bfsl Limited
64 - Industry AVG
Pay Structure
There is insufficient data available for this Key Performance Indicator!
- Bfsl Limited
- - Industry AVG
Efficiency
resulting in sales per employee of £211.9k, this is equally as efficient (£212k)
- Bfsl Limited
£212k - Industry AVG
Debtor Days
it gets paid by customers after 2576 days, this is later than average (47 days)
2576 days - Bfsl Limited
47 days - Industry AVG
Creditor Days
There is insufficient data available for this Key Performance Indicator!
- - Bfsl Limited
- - Industry AVG
Stock Days
There is insufficient data available for this Key Performance Indicator!
- - Bfsl Limited
- - Industry AVG
Cash Balance
There is insufficient data available for this Key Performance Indicator!
- - Bfsl Limited
- - Industry AVG
Debt Level
it has a ratio of liabilities to total assets of 95.1%, this is a higher level of debt than the average (54%)
95.1% - Bfsl Limited
54% - Industry AVG
BFSL LIMITED financials
Bfsl Limited's latest turnover from December 2023 is £53.4 million and the company has net assets of £39.2 million. According to their latest financial statements, we estimate that Bfsl Limited has 252 employees and maintains cash reserves of 0 as reported in the balance sheet.
Data source: Companies House, Pomanda Estimates
| Dec 2023 | Dec 2022 | Jun 2021 | Jun 2020 | Jun 2019 | Jun 2018 | Jun 2017 | Jun 2016 | Jun 2015 | Jun 2014 | Jun 2013 | Jun 2012 | Jun 2011 | Jun 2010 | |
|---|---|---|---|---|---|---|---|---|---|---|---|---|---|---|
| Turnover | 53,409,000 | 75,427,000 | 62,124,000 | 76,517,000 | 74,694,000 | 73,432,000 | 59,986,000 | 36,120,000 | 64,796,000 | 54,987,000 | 58,354,000 | 418,215,000 | 354,259,000 | 302,205,000 |
| Other Income Or Grants | ||||||||||||||
| Cost Of Sales | 45,945,000 | 39,551,000 | 36,379,000 | |||||||||||
| Gross Profit | 18,851,000 | 15,436,000 | 21,975,000 | |||||||||||
| Admin Expenses | 8,561,000 | 15,824,000 | 10,884,000 | |||||||||||
| Operating Profit | 39,367,000 | 24,200,000 | 15,057,000 | 18,238,000 | 15,280,000 | 14,945,000 | 13,484,000 | 7,528,000 | 10,290,000 | -388,000 | 11,091,000 | 86,058,000 | 78,540,000 | 66,011,000 |
| Interest Payable | 44,147,000 | 23,491,000 | 11,320,000 | 13,989,000 | 15,044,000 | 10,966,000 | 4,900,000 | 8,196,000 | 8,588,000 | 8,735,000 | 7,640,000 | 6,590,000 | 4,392,000 | 5,296,000 |
| Interest Receivable | 32,191,000 | 11,777,000 | 3,316,000 | 5,063,000 | 4,938,000 | 3,014,000 | 64,000 | 1,428,000 | 2,693,000 | 2,287,000 | 1,955,000 | 2,304,000 | 1,755,000 | 503,000 |
| Pre-Tax Profit | 27,411,000 | 12,486,000 | 7,053,000 | 9,312,000 | 5,174,000 | 6,993,000 | 8,648,000 | 760,000 | 4,395,000 | -4,734,000 | 38,061,000 | 81,626,000 | 75,903,000 | 61,218,000 |
| Tax | -6,604,000 | -2,372,000 | -1,340,000 | -1,769,000 | -983,000 | -1,329,000 | -1,708,000 | -152,000 | -974,000 | -1,131,000 | -391,000 | -21,659,000 | -19,895,000 | -17,260,000 |
| Profit After Tax | 20,807,000 | 10,114,000 | 5,713,000 | 7,543,000 | 4,191,000 | 5,664,000 | 6,940,000 | 608,000 | 3,421,000 | -5,865,000 | 37,670,000 | 59,967,000 | 56,008,000 | 43,958,000 |
| Dividends Paid | 21,000,000 | 10,000,000 | 41,000,000 | 50,000,000 | 42,300,000 | 57,000,000 | ||||||||
| Retained Profit | 20,807,000 | -10,886,000 | 5,713,000 | -2,457,000 | 4,191,000 | 5,664,000 | 6,940,000 | 608,000 | 3,421,000 | -5,865,000 | -3,330,000 | 12,002,000 | 9,347,000 | -13,042,000 |
| Employee Costs | 12,171,000 | 8,671,000 | 3,813,000 | |||||||||||
| Number Of Employees | 1,444 | 963 | 274 | |||||||||||
| EBITDA* | 39,367,000 | 24,200,000 | 15,057,000 | 18,238,000 | 15,280,000 | 14,945,000 | 13,484,000 | 7,528,000 | 10,290,000 | 8,463,000 | 11,091,000 | 87,889,000 | 80,452,000 | 66,546,000 |
* Earnings Before Interest, Tax, Depreciation and Amortisation
| Dec 2023 | Dec 2022 | Jun 2021 | Jun 2020 | Jun 2019 | Jun 2018 | Jun 2017 | Jun 2016 | Jun 2015 | Jun 2014 | Jun 2013 | Jun 2012 | Jun 2011 | Jun 2010 | |
|---|---|---|---|---|---|---|---|---|---|---|---|---|---|---|
| Tangible Assets | 11,631,000 | 8,925,000 | 5,207,000 | |||||||||||
| Intangible Assets | 8,851,000 | 35,245,000 | 35,564,000 | 30,897,000 | ||||||||||
| Investments & Other | 74,861,000 | 313,000 | 3,337,000 | 125,000 | ||||||||||
| Debtors (Due After 1 year) | 46,875,000 | |||||||||||||
| Total Fixed Assets | 46,875,000 | 83,712,000 | 46,876,000 | 44,489,000 | 36,104,000 | |||||||||
| Stock & work in progress | 3,568,000 | 660,000 | ||||||||||||
| Trade Debtors | 376,942,000 | 336,405,000 | 338,637,000 | 382,455,000 | 393,991,000 | 393,003,000 | 372,889,000 | 333,803,000 | 269,930,000 | 236,748,000 | 249,295,000 | 321,733,000 | 317,918,000 | 222,026,000 |
| Group Debtors | 372,748,000 | 320,032,000 | 62,621,000 | 162,064,000 | 177,247,000 | 110,614,000 | 99,631,000 | 615,000 | 5,830,000 | 3,493,000 | 79,310,000 | 44,028,000 | 27,781,000 | 30,811,000 |
| Misc Debtors | 872,000 | 1,220,000 | 893,000 | 39,000 | 96,000 | 144,000 | 338,000 | 535,000 | 899,000 | 661,000 | 1,556,000 | 36,646,000 | 43,492,000 | 57,397,000 |
| Cash | 384,000 | 245,000 | 155,475,000 | 110,806,000 | 71,163,000 | |||||||||
| misc current assets | 4,185,000 | 6,799,000 | 4,861,000 | |||||||||||
| total current assets | 750,562,000 | 657,657,000 | 402,151,000 | 544,558,000 | 571,334,000 | 503,761,000 | 472,858,000 | 334,953,000 | 277,043,000 | 241,147,000 | 330,161,000 | 565,635,000 | 507,456,000 | 386,258,000 |
| total assets | 797,437,000 | 657,657,000 | 402,151,000 | 544,558,000 | 571,334,000 | 503,761,000 | 472,858,000 | 334,953,000 | 277,043,000 | 241,147,000 | 413,873,000 | 612,511,000 | 551,945,000 | 422,362,000 |
| Bank overdraft | 149,306,000 | 112,000 | 150,000 | 384,000 | ||||||||||
| Bank loan | 165,183,000 | 1,167,000 | 1,167,000 | 1,167,000 | ||||||||||
| Trade Creditors | 268,418,000 | 134,936,000 | 149,274,000 | 122,528,000 | ||||||||||
| Group/Directors Accounts | 719,387,000 | 66,434,000 | 217,817,000 | |||||||||||
| other short term finances | 172,844,000 | 165,937,000 | 113,993,000 | |||||||||||
| hp & lease commitments | ||||||||||||||
| other current liabilities | 38,845,000 | 639,259,000 | 372,867,000 | 520,987,000 | 545,306,000 | 481,924,000 | 456,685,000 | 325,720,000 | 20,203,000 | 19,804,000 | 273,070,000 | 215,910,000 | 172,994,000 | |
| total current liabilities | 758,232,000 | 639,259,000 | 372,867,000 | 520,987,000 | 545,306,000 | 481,924,000 | 456,685,000 | 325,720,000 | 268,418,000 | 235,943,000 | 402,804,000 | 582,129,000 | 532,438,000 | 411,066,000 |
| loans | 2,334,000 | 4,666,000 | ||||||||||||
| hp & lease commitments | ||||||||||||||
| Accruals and Deferred Income | ||||||||||||||
| other liabilities | ||||||||||||||
| provisions | ||||||||||||||
| total long term liabilities | 1,167,000 | 2,333,000 | ||||||||||||
| total liabilities | 758,232,000 | 639,259,000 | 372,867,000 | 520,987,000 | 545,306,000 | 481,924,000 | 456,685,000 | 325,720,000 | 268,418,000 | 235,943,000 | 402,804,000 | 582,129,000 | 533,605,000 | 413,399,000 |
| net assets | 39,205,000 | 18,398,000 | 29,284,000 | 23,571,000 | 26,028,000 | 21,837,000 | 16,173,000 | 9,233,000 | 8,625,000 | 5,204,000 | 11,069,000 | 30,382,000 | 18,315,000 | 8,963,000 |
| total shareholders funds | 39,205,000 | 18,398,000 | 29,284,000 | 23,571,000 | 26,028,000 | 21,837,000 | 16,173,000 | 9,233,000 | 8,625,000 | 5,204,000 | 11,069,000 | 30,382,000 | 18,315,000 | 8,963,000 |
| Dec 2023 | Dec 2022 | Jun 2021 | Jun 2020 | Jun 2019 | Jun 2018 | Jun 2017 | Jun 2016 | Jun 2015 | Jun 2014 | Jun 2013 | Jun 2012 | Jun 2011 | Jun 2010 | |
|---|---|---|---|---|---|---|---|---|---|---|---|---|---|---|
| Operating Activities | ||||||||||||||
| Operating Profit | 39,367,000 | 24,200,000 | 15,057,000 | 18,238,000 | 15,280,000 | 14,945,000 | 13,484,000 | 7,528,000 | 10,290,000 | -388,000 | 11,091,000 | 86,058,000 | 78,540,000 | 66,011,000 |
| Depreciation | 604,000 | 915,000 | 535,000 | |||||||||||
| Amortisation | 8,851,000 | 1,227,000 | 997,000 | |||||||||||
| Tax | -6,604,000 | -2,372,000 | -1,340,000 | -1,769,000 | -983,000 | -1,329,000 | -1,708,000 | -152,000 | -974,000 | -1,131,000 | -391,000 | -21,659,000 | -19,895,000 | -17,260,000 |
| Stock | -3,568,000 | 2,908,000 | 660,000 | |||||||||||
| Debtors | 139,780,000 | 255,506,000 | -142,407,000 | -26,776,000 | 67,573,000 | 30,903,000 | 137,905,000 | 58,294,000 | 35,757,000 | -89,259,000 | -72,246,000 | 13,216,000 | 78,957,000 | 310,234,000 |
| Creditors | -268,418,000 | 268,418,000 | -134,936,000 | -14,338,000 | 26,746,000 | 122,528,000 | ||||||||
| Accruals and Deferred Income | -600,414,000 | 266,392,000 | -148,120,000 | -24,319,000 | 63,382,000 | 25,239,000 | 130,965,000 | 325,720,000 | -20,203,000 | 399,000 | -253,266,000 | 57,160,000 | 42,916,000 | 172,994,000 |
| Deferred Taxes & Provisions | ||||||||||||||
| Cash flow from operations | -707,431,000 | 32,714,000 | 8,004,000 | 18,926,000 | 10,106,000 | 7,952,000 | 4,836,000 | 6,384,000 | 221,774,000 | 96,990,000 | -301,688,000 | 92,928,000 | 50,602,000 | 34,574,000 |
| Investing Activities | ||||||||||||||
| capital expenditure | ||||||||||||||
| Change in Investments | -74,861,000 | 74,548,000 | -3,024,000 | 3,212,000 | 125,000 | |||||||||
| cash flow from investments | ||||||||||||||
| Financing Activities | ||||||||||||||
| Bank loans | -165,183,000 | 164,016,000 | 1,167,000 | |||||||||||
| Group/Directors Accounts | 719,387,000 | -66,434,000 | -151,383,000 | 217,817,000 | ||||||||||
| Other Short Term Loans | -172,844,000 | 6,907,000 | 51,944,000 | 113,993,000 | ||||||||||
| Long term loans | -2,334,000 | -2,332,000 | 4,666,000 | |||||||||||
| Hire Purchase and Lease Commitments | ||||||||||||||
| other long term liabilities | ||||||||||||||
| share issue | ||||||||||||||
| interest | -11,956,000 | -11,714,000 | -8,004,000 | -8,926,000 | -10,106,000 | -7,952,000 | -4,836,000 | -6,768,000 | -5,895,000 | -6,448,000 | -5,685,000 | -4,286,000 | -2,637,000 | -4,793,000 |
| cash flow from financing | 707,431,000 | -11,714,000 | -8,004,000 | -8,926,000 | -10,106,000 | -7,952,000 | -4,836,000 | -6,768,000 | -72,329,000 | -323,014,000 | 187,321,000 | 352,000 | 46,980,000 | 137,038,000 |
| cash and cash equivalents | ||||||||||||||
| cash | -384,000 | 139,000 | 245,000 | -155,475,000 | 44,669,000 | 39,643,000 | 71,163,000 | |||||||
| overdraft | -149,306,000 | 149,306,000 | -112,000 | -38,000 | -234,000 | 384,000 | ||||||||
| change in cash | -384,000 | 149,445,000 | -149,061,000 | -155,363,000 | 44,707,000 | 39,877,000 | 70,779,000 |
bfsl limited Credit Report and Business Information
Bfsl Limited Competitor Analysis
Perform a competitor analysis for bfsl limited by selecting its closest rivals, whether from the FINANCIAL AND INSURANCE ACTIVITIES sector, other large companies, companies in PE3 area or any other competitors across 12 key performance metrics.
bfsl limited Ownership
BFSL LIMITED group structure
Bfsl Limited has no subsidiary companies.
bfsl limited directors
Bfsl Limited currently has 11 directors. The longest serving directors include Mr Mark Bailie (Sep 2020) and Mr Ian Leech (Jan 2021).
| officer | country | age | start | end | role |
|---|---|---|---|---|---|
| Mr Mark Bailie | England | 52 years | Sep 2020 | - | Director |
| Mr Ian Leech | England | 65 years | Jan 2021 | - | Director |
| Mr Christopher Collings | United Kingdom | 69 years | Apr 2022 | - | Director |
| Mr Christopher Collings | England | 69 years | Apr 2022 | - | Director |
| Mr Matthew Donaldson | England | 51 years | Apr 2022 | - | Director |
| Ms Ellie Barlow | England | 42 years | Nov 2023 | - | Director |
| Ms Rebecca Shepherd | United Kingdom | 47 years | Jun 2024 | - | Director |
| Mr Andrew Watson | United Kingdom | 62 years | Jun 2024 | - | Director |
| Mr Ian Donaldson | 51 years | Jun 2024 | - | Director | |
| Mrs Catherine Lewis | United Kingdom | 60 years | Jun 2024 | - | Director |
P&L
December 2023turnover
53.4m
-29%
operating profit
39.4m
+63%
gross margin
79.3%
+0.54%
turnover
Turnover, or revenue, is the amount of sales generated by a company within the financial year.
Balance Sheet
December 2023net assets
39.2m
+1.13%
total assets
797.4m
+0.21%
cash
0
0%
net assets
Total assets minus all liabilities
bfsl limited company details
company number
02706280
Type
Private limited with Share Capital
industry
64205 - Activities of financial services holding companies
incorporation date
April 1992
age
33
incorporated
UK
ultimate parent company
accounts
Full Accounts
last accounts submitted
December 2023
previous names
budget financial services limited (December 2002)
officemarket limited (July 2000)
accountant
-
auditor
PKF LITTLEJOHN LLP
address
fusion house katharine way, bretton, peterborough, PE3 8BG
Bank
LLOYDS TSB BANK PLC
Legal Advisor
-
bfsl 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 found 8 charges/mortgages relating to bfsl limited. Currently there are 0 open charges and 8 have been satisfied in the past.
bfsl limited 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 BFSL LIMITED. This can take several minutes, an email will notify you when this has completed.
bfsl limited Companies House Filings - See Documents
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