lenders (uk) limited
lenders (uk) limited Company Information
Company Number
02960107
Next Accounts
Sep 2025
Shareholders
mr amin yassin sabin
mr peter john tivnan
Group Structure
View All
Industry
Renting and leasing of other machinery, equipment and tangible goods n.e.c.
Registered Address
lumaneri house blythe gate, blythe valley park, solihull, west midlands, B90 8AH
Website
-lenders (uk) limited Estimated Valuation
Pomanda estimates the enterprise value of LENDERS (UK) LIMITED at £201.2k based on a Turnover of £292.8k and 0.69x industry multiple (adjusted for size and gross margin).
lenders (uk) limited Estimated Valuation
Pomanda estimates the enterprise value of LENDERS (UK) LIMITED at £63.8k based on an EBITDA of £20.7k and a 3.08x industry multiple (adjusted for size and gross margin).
lenders (uk) limited Estimated Valuation
Pomanda estimates the enterprise value of LENDERS (UK) LIMITED at £515.3k based on Net Assets of £216.9k and 2.38x industry multiple (adjusted for liquidity).
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Lenders (uk) Limited Overview
Lenders (uk) Limited is a live company located in solihull, B90 8AH with a Companies House number of 02960107. It operates in the renting and leasing of other machinery, equipment and tangible goods n.e.c. sector, SIC Code 77390. Founded in August 1994, it's largest shareholder is mr amin yassin sabin with a 50% stake. Lenders (uk) Limited is a mature, micro sized company, Pomanda has estimated its turnover at £292.8k with rapid growth in recent years.
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Lenders (uk) Limited Health Check
Pomanda's financial health check has awarded Lenders (Uk) Limited a 2 rating. We use a traffic light system to show it exceeds the industry average on 2 measures and has 6 areas for improvement. Company Health Check FAQs
2 Strong
2 Regular
6 Weak
Size
annual sales of £292.8k, make it smaller than the average company (£9.6m)
- Lenders (uk) Limited
£9.6m - Industry AVG
Growth
3 year (CAGR) sales growth of 254%, show it is growing at a faster rate (7%)
- Lenders (uk) Limited
7% - Industry AVG
Production
with a gross margin of 47.9%, this company has a comparable cost of product (47.9%)
- Lenders (uk) Limited
47.9% - Industry AVG
Profitability
an operating margin of -2.7% make it less profitable than the average company (11.6%)
- Lenders (uk) Limited
11.6% - Industry AVG
Employees
with 2 employees, this is below the industry average (39)
2 - Lenders (uk) Limited
39 - Industry AVG
Pay Structure
on an average salary of £48.2k, the company has an equivalent pay structure (£48.2k)
- Lenders (uk) Limited
£48.2k - Industry AVG
Efficiency
resulting in sales per employee of £146.4k, this is less efficient (£225.3k)
- Lenders (uk) Limited
£225.3k - Industry AVG
Debtor Days
There is insufficient data available for this Key Performance Indicator!
- Lenders (uk) Limited
- - Industry AVG
Creditor Days
its suppliers are paid after 0 days, this is quicker than average (51 days)
- Lenders (uk) Limited
51 days - Industry AVG
Stock Days
There is insufficient data available for this Key Performance Indicator!
- Lenders (uk) Limited
- - Industry AVG
Cash Balance
has cash to cover current liabilities for 3 weeks, this is less cash available to meet short term requirements (6 weeks)
3 weeks - Lenders (uk) Limited
6 weeks - Industry AVG
Debt Level
it has a ratio of liabilities to total assets of 28.2%, this is a lower level of debt than the average (66%)
28.2% - Lenders (uk) Limited
66% - Industry AVG
LENDERS (UK) LIMITED financials
Lenders (Uk) Limited's latest turnover from December 2023 is estimated at £292.8 thousand and the company has net assets of £216.9 thousand. According to their latest financial statements, Lenders (Uk) Limited has 2 employees and maintains cash reserves of £3.5 thousand as reported in the balance sheet.
Data source: Companies House, Pomanda Estimates
| Dec 2023 | 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 | 2 | 2 | 2 | ||||||||||||
| EBITDA* |
* Earnings Before Interest, Tax, Depreciation and Amortisation
| Dec 2023 | 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 | 243,398 | 249,112 | 235,608 | 226,684 | 250,202 | 256,386 | 289,469 | 240,523 | 256,383 | 260,513 | 291,176 | 316,209 | 334,614 | 340,155 | 284,334 |
| Intangible Assets | |||||||||||||||
| Investments & Other | |||||||||||||||
| Debtors (Due After 1 year) | 30,000 | 30,000 | 30,000 | 30,000 | 30,000 | 30,000 | |||||||||
| Total Fixed Assets | 243,398 | 249,112 | 235,608 | 226,684 | 280,202 | 286,386 | 319,469 | 270,523 | 286,383 | 290,513 | 291,176 | 316,209 | 334,614 | 340,155 | 284,334 |
| Stock & work in progress | |||||||||||||||
| Trade Debtors | 738 | 738 | 6,105 | 45,228 | 33,481 | 36,176 | 21,585 | 7,200 | 84,791 | ||||||
| Group Debtors | 10,704 | 23,433 | 18,577 | 31,180 | 35,928 | ||||||||||
| Misc Debtors | 55,294 | 41,160 | 18,314 | 6,056 | 2,523 | 123 | 5,085 | 3,085 | |||||||
| Cash | 3,495 | 3,493 | 41,321 | 3,498 | 2,351 | 3,127 | 2,769 | 1,024 | 740 | 258 | 1 | 1 | 291 | 266 | |
| misc current assets | |||||||||||||||
| total current assets | 58,789 | 44,653 | 59,635 | 9,554 | 15,578 | 26,683 | 27,169 | 36,027 | 42,773 | 45,486 | 33,482 | 36,177 | 21,876 | 7,200 | 85,057 |
| total assets | 302,187 | 293,765 | 295,243 | 236,238 | 295,780 | 313,069 | 346,638 | 306,550 | 329,156 | 335,999 | 324,658 | 352,386 | 356,490 | 347,355 | 369,391 |
| Bank overdraft | |||||||||||||||
| Bank loan | |||||||||||||||
| Trade Creditors | 299 | 34,978 | 40,243 | 1,619 | 1,860 | 3,144 | 84 | 25,890 | 46,462 | 65,452 | 67,630 | 49,565 | 76,735 | ||
| Group/Directors Accounts | |||||||||||||||
| other short term finances | |||||||||||||||
| hp & lease commitments | 6,985 | 15,550 | 15,560 | 15,560 | |||||||||||
| other current liabilities | 52,216 | 12,624 | 9,434 | 6,229 | 15,832 | 25,645 | 27,101 | 34,654 | 43,069 | ||||||
| total current liabilities | 52,515 | 47,602 | 49,677 | 14,833 | 31,382 | 43,065 | 45,805 | 34,738 | 43,069 | 25,890 | 46,462 | 65,452 | 67,630 | 49,565 | 76,735 |
| loans | 8,442 | 21,668 | 31,604 | ||||||||||||
| hp & lease commitments | 3,918 | 19,459 | 35,009 | ||||||||||||
| Accruals and Deferred Income | |||||||||||||||
| other liabilities | 39,120 | 47,006 | 11,807 | 21,274 | 30,453 | 43,947 | 58,500 | ||||||||
| provisions | 32,778 | 21,533 | 17,991 | 13,544 | 16,517 | 16,098 | 20,247 | 7,378 | 7,393 | 4,325 | 5,307 | 6,512 | 6,045 | ||
| total long term liabilities | 32,778 | 21,533 | 17,991 | 13,544 | 20,435 | 43,999 | 76,924 | 38,982 | 46,513 | 51,331 | 17,114 | 27,786 | 36,498 | 43,947 | 58,500 |
| total liabilities | 85,293 | 69,135 | 67,668 | 28,377 | 51,817 | 87,064 | 122,729 | 73,720 | 89,582 | 77,221 | 63,576 | 93,238 | 104,128 | 93,512 | 135,235 |
| net assets | 216,894 | 224,630 | 227,575 | 207,861 | 243,963 | 226,005 | 223,909 | 232,830 | 239,574 | 258,778 | 261,082 | 259,148 | 252,362 | 253,843 | 234,156 |
| total shareholders funds | 216,894 | 224,630 | 227,575 | 207,861 | 243,963 | 226,005 | 223,909 | 232,830 | 239,574 | 258,778 | 261,082 | 259,148 | 252,362 | 253,843 | 234,156 |
| Dec 2023 | 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 | 28,614 | 26,154 | 23,739 | 23,518 | 26,816 | 28,311 | 32,924 | 23,787 | 26,749 | 27,972 | 33,299 | 34,386 | 35,507 | 36,900 | 28,504 |
| Amortisation | |||||||||||||||
| Tax | |||||||||||||||
| Stock | |||||||||||||||
| Debtors | 14,134 | 22,846 | 12,258 | -37,171 | -10,329 | -844 | -10,603 | -7,030 | -3,195 | 41,747 | -2,695 | 14,591 | 14,385 | -77,591 | 84,791 |
| Creditors | -34,679 | -5,265 | 38,624 | 1,619 | -1,860 | -1,284 | 3,060 | 84 | -25,890 | -20,572 | -18,990 | -2,178 | 18,065 | -27,170 | 76,735 |
| Accruals and Deferred Income | 39,592 | 3,190 | 3,205 | -9,603 | -9,813 | -1,456 | -7,553 | -8,415 | 43,069 | ||||||
| Deferred Taxes & Provisions | 11,245 | 3,542 | 4,447 | -2,973 | 419 | -4,149 | 12,869 | -15 | 3,068 | -982 | -1,205 | 467 | 6,045 | ||
| Cash flow from operations | |||||||||||||||
| Investing Activities | |||||||||||||||
| capital expenditure | |||||||||||||||
| Change in Investments | |||||||||||||||
| cash flow from investments | |||||||||||||||
| Financing Activities | |||||||||||||||
| Bank loans | |||||||||||||||
| Group/Directors Accounts | |||||||||||||||
| Other Short Term Loans | |||||||||||||||
| Long term loans | -8,442 | -13,226 | -9,936 | 31,604 | |||||||||||
| Hire Purchase and Lease Commitments | -6,985 | -12,483 | -15,551 | -15,550 | 50,569 | ||||||||||
| other long term liabilities | -39,120 | -7,886 | 35,199 | -9,467 | -9,179 | -13,494 | -14,553 | 58,500 | |||||||
| share issue | |||||||||||||||
| interest | |||||||||||||||
| cash flow from financing | |||||||||||||||
| cash and cash equivalents | |||||||||||||||
| cash | 2 | -37,828 | 37,823 | 1,147 | -776 | 358 | 1,745 | 284 | 482 | 257 | -290 | 291 | -266 | 266 | |
| overdraft | |||||||||||||||
| change in cash | 2 | -37,828 | 37,823 | 1,147 | -776 | 358 | 1,745 | 284 | 482 | 257 | -290 | 291 | -266 | 266 |
lenders (uk) limited Credit Report and Business Information
Lenders (uk) Limited Competitor Analysis
Perform a competitor analysis for lenders (uk) limited by selecting its closest rivals, whether from the ADMINISTRATIVE AND SUPPORT SERVICE ACTIVITIES sector, other micro companies, companies in B90 area or any other competitors across 12 key performance metrics.
lenders (uk) limited Ownership
LENDERS (UK) LIMITED group structure
Lenders (Uk) Limited has no subsidiary companies.
Ultimate parent company
LENDERS (UK) LIMITED
02960107
lenders (uk) limited directors
Lenders (Uk) Limited currently has 2 directors. The longest serving directors include Mr Peter Tivnan (Jul 2001) and Mr Amin Sabin (Jul 2001).
| officer | country | age | start | end | role |
|---|---|---|---|---|---|
| Mr Peter Tivnan | United Kingdom | 68 years | Jul 2001 | - | Director |
| Mr Amin Sabin | United Kingdom | 71 years | Jul 2001 | - | Director |
P&L
December 2023turnover
292.8k
-7%
operating profit
-7.9k
0%
gross margin
48%
+2.28%
turnover
Turnover, or revenue, is the amount of sales generated by a company within the financial year.
Balance Sheet
December 2023net assets
216.9k
-0.03%
total assets
302.2k
+0.03%
cash
3.5k
0%
net assets
Total assets minus all liabilities
Similar Companies
lenders (uk) limited company details
company number
02960107
Type
Private limited with Share Capital
industry
77390 - Renting and leasing of other machinery, equipment and tangible goods n.e.c.
incorporation date
August 1994
age
31
incorporated
UK
ultimate parent company
accounts
Total Exemption Full
last accounts submitted
December 2023
previous names
N/A
accountant
-
auditor
-
address
lumaneri house blythe gate, blythe valley park, solihull, west midlands, B90 8AH
Bank
-
Legal Advisor
-
lenders (uk) 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 2 charges/mortgages relating to lenders (uk) limited. Currently there are 2 open charges and 0 have been satisfied in the past.
lenders (uk) 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 LENDERS (UK) LIMITED. This can take several minutes, an email will notify you when this has completed.
lenders (uk) limited Companies House Filings - See Documents
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