Excel -a- Rate Business Services Limited

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excel -a- rate business services limited Company Information

Company Number

03282233

Next Accounts

Jun 2025

Directors

David Ballan

Denise Pinder

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Shareholders

trustees of ballan family trust

Group Structure

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Industry

Other financial service activities, except insurance and pension funding, (not including security dealing on own account and factoring) n.e.c.

Registered Address

prospect house 389-391 ainsworth, road radcliffe, manchester, M26 4HN

Website

www.excel-a-rate.co.uk

excel -a- rate business services limited Estimated Valuation

£117.1m

Pomanda estimates the enterprise value of EXCEL -A- RATE BUSINESS SERVICES LIMITED at £117.1m based on a Turnover of £44.5m and 2.63x industry multiple (adjusted for size and gross margin).

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Excel -a- Rate Business Services Limited is a live company located in manchester, M26 4HN with a Companies House number of 03282233. It operates in the financial intermediation not elsewhere classified sector, SIC Code 64999. Founded in November 1996, it's largest shareholder is trustees of ballan family trust with a 100% stake. Excel -a- Rate Business Services Limited is a mature, large sized company, Pomanda has estimated its turnover at £44.5m with high growth in recent years.

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Pomanda's financial health check has awarded Excel -A- Rate Business Services Limited a 3.5 rating. We use a traffic light system to show it exceeds the industry average on 3 measures and has 4 areas for improvement. Company Health Check FAQs

Health Rating3.5out of 5

3 Strong

4 Regular

4 Weak

Size

annual sales of £44.5m, make it larger than the average company (£4.7m)

Growth

3 year (CAGR) sales growth of 26%, show it is growing at a faster rate (3.9%)

EXPORT

Excel -A- Rate Business Services Limited's latest turnover from September 2023 is estimated at £44.5 million and the company has net assets of £3.1 million. According to their latest financial statements, Excel -A- Rate Business Services Limited has 11 employees and maintains cash reserves of £327.6 thousand as reported in the balance sheet.

Data source: Companies House, Pomanda Estimates

	Sep 2023	Sep 2022	Sep 2021	Sep 2020	Sep 2019	Sep 2018	Sep 2017	Sep 2016	Sep 2015	Sep 2014	Sep 2013	Sep 2012	Sep 2011	Sep 2010	Sep 2009
Turnover	44,534,441	41,158,138	35,421,443	22,301,967	17,582,876	17,749,236	47,386,365	38,682,474	63,738,649	49,325,661	47,045,739	42,264,152	41,063,923	41,355,275
Other Income Or Grants
Cost Of Sales	19,110,089	17,344,331	14,434,918	9,277,760	7,192,760	7,183,473	19,171,669	14,008,069	22,661,360	19,214,242	17,921,752	17,414,341	17,037,159	17,845,245
Gross Profit	25,424,352	23,813,807	20,986,524	13,024,207	10,390,116	10,565,763	28,214,696	24,674,405	41,077,289	30,111,418	29,123,987	24,849,811	24,026,763	23,510,030
Admin Expenses	24,489,430	23,105,965	20,386,534	12,460,916	9,630,638	9,803,853	27,353,276	24,170,160	40,934,097	29,894,078	28,963,334	24,762,385	23,926,907	23,489,511	-1,397,600
Operating Profit	934,922	707,842	599,990	563,291	759,478	761,910	861,420	504,245	143,192	217,340	160,653	87,426	99,856	20,519	1,397,600
Interest Payable	684,321	481,563	369,041	441,108	560,769	580,943	508,527	234,522
Interest Receivable	13,372	4,221	304	276	1,187	676	223	292	860	723	9	360	475	123
Pre-Tax Profit	263,972	230,500	231,253	122,459	199,896	181,643	353,115	270,014	144,051	218,063	160,662	87,786	100,331	20,642	1,397,600
Tax	-65,993	-43,795	-43,938	-23,267	-37,980	-34,512	-67,092	-54,003	-28,810	-45,793	-36,952	-21,069	-26,086	-5,780	-391,328
Profit After Tax	197,979	186,705	187,315	99,192	161,916	147,131	286,023	216,011	115,241	172,270	123,710	66,717	74,245	14,862	1,006,272
Dividends Paid
Retained Profit	197,979	186,705	187,315	99,192	161,916	147,131	286,023	216,011	115,241	172,270	123,710	66,717	74,245	14,862	1,006,272
Employee Costs	856,087	885,571	909,513	1,111,229	1,189,323	1,140,411	1,087,034	1,064,841	19,877,978	15,078,799	14,821,510	11,657,078	12,741,512	13,333,505
Number Of Employees	11	12	13	16	17	17	17	17	337	255	250	207	224	241
EBITDA*	982,945	770,308	638,078	602,655	795,196	801,893	910,426	539,423	172,720	257,075	178,157	106,013	132,820	56,289	1,433,393

* Earnings Before Interest, Tax, Depreciation and Amortisation

	Sep 2023	Sep 2022	Sep 2021	Sep 2020	Sep 2019	Sep 2018	Sep 2017	Sep 2016	Sep 2015	Sep 2014	Sep 2013	Sep 2012	Sep 2011	Sep 2010	Sep 2009
Tangible Assets	213,110	232,988	247,804	179,797	152,576	172,124	173,546	165,950	131,303	150,099	139,733	61,063	71,628	101,912	137,090
Intangible Assets
Investments & Other
Debtors (Due After 1 year)				3,849,659	7,262,726	7,212,844
Total Fixed Assets	213,110	232,988	247,804	4,029,456	7,415,302	7,384,968	173,546	165,950	131,303	150,099	139,733	61,063	71,628	101,912	137,090
Stock & work in progress
Trade Debtors	10,061,273	9,410,008	8,904,863	5,105,694	4,133,337	4,185,518	11,877,270	9,957,001	8,864,914	6,998,170	6,396,138	5,812,831	5,667,881	6,076,005	6,375,595
Group Debtors
Misc Debtors	23,764	7,664	69,348	36,658	18,637	30,083	36,722	20,823				90,370	11,691	11,056	61,968
Cash	327,577	181,823	193,381	415,199	136,140	180,360	35	178,091	55,160	288,737	483	3,095	140,758	49,214	14
misc current assets
total current assets	10,412,614	9,599,495	9,167,592	5,557,551	4,288,114	4,395,961	11,914,027	10,155,915	8,920,074	7,286,907	6,396,621	5,906,296	5,820,330	6,136,275	6,437,577
total assets	10,625,724	9,832,483	9,415,396	9,587,007	11,703,416	11,780,929	12,087,573	10,321,865	9,051,377	7,437,006	6,536,354	5,967,359	5,891,958	6,238,187	6,574,667
Bank overdraft			2,196,245	2,400,886	3,365,920	3,228,566	3,024,104
Bank loan	2,171,002	1,998,109						2,848,304
Trade Creditors	4,262	13,243	2,276	13,408	13,429	26,946	76,841	75,294	3,217,346	2,720,231	2,156,048	2,033,164	1,868,292	2,374,246	3,728,366
Group/Directors Accounts
other short term finances
hp & lease commitments	30,568	30,568	20,779	13,772	15,600	21,878	12,180	25,356
other current liabilities	1,063,955	935,790	814,757	719,073	1,062,531	993,851	1,099,779	891,724
total current liabilities	3,269,787	2,977,710	3,034,057	3,147,139	4,457,480	4,271,241	4,212,904	3,840,678	3,217,346	2,720,231	2,156,048	2,033,164	1,868,292	2,374,246	3,728,366
loans	4,128,016	3,868,585	3,611,322	3,891,262	4,804,482	5,216,411	5,744,057	4,656,413
hp & lease commitments	47,126	82,304	68,867	36,181	27,873	43,242	40,261	15,823
Accruals and Deferred Income
other liabilities									4,226,992	3,241,167	3,055,163	2,751,392	2,908,888	2,783,099	1,760,301
provisions	110,206	31,274	15,245	13,835	14,183	12,553		4,623	18,722	2,532	24,337	5,707	4,399	44,708	64,728
total long term liabilities	4,285,348	3,982,163	3,695,434	3,941,278	4,846,538	5,272,206	5,784,318	4,676,859	4,245,714	3,243,699	3,079,500	2,757,099	2,913,287	2,827,807	1,825,029
total liabilities	7,555,135	6,959,873	6,729,491	7,088,417	9,304,018	9,543,447	9,997,222	8,517,537	7,463,060	5,963,930	5,235,548	4,790,263	4,781,579	5,202,053	5,553,395
net assets	3,070,589	2,872,610	2,685,905	2,498,590	2,399,398	2,237,482	2,090,351	1,804,328	1,588,317	1,473,076	1,300,806	1,177,096	1,110,379	1,036,134	1,021,272
total shareholders funds	3,070,589	2,872,610	2,685,905	2,498,590	2,399,398	2,237,482	2,090,351	1,804,328	1,588,317	1,473,076	1,300,806	1,177,096	1,110,379	1,036,134	1,021,272

	Sep 2023	Sep 2022	Sep 2021	Sep 2020	Sep 2019	Sep 2018	Sep 2017	Sep 2016	Sep 2015	Sep 2014	Sep 2013	Sep 2012	Sep 2011	Sep 2010	Sep 2009
Operating Activities
Operating Profit	934,922	707,842	599,990	563,291	759,478	761,910	861,420	504,245	143,192	217,340	160,653	87,426	99,856	20,519	1,397,600
Depreciation	48,023	62,466	38,088	39,364	35,718	39,983	49,006	35,178	29,528	39,735	17,504	18,587	32,964	35,770	35,793
Amortisation
Tax	-65,993	-43,795	-43,938	-23,267	-37,980	-34,512	-67,092	-54,003	-28,810	-45,793	-36,952	-21,069	-26,086	-5,780	-391,328
Stock
Debtors	667,365	443,461	-17,800	-2,422,689	-13,745	-485,547	1,936,168	1,112,910	1,866,744	602,032	492,937	223,629	-407,489	-350,502	6,437,563
Creditors	-8,981	10,967	-11,132	-21	-13,517	-49,895	1,547	-3,142,052	497,115	564,183	122,884	164,872	-505,954	-1,354,120	3,728,366
Accruals and Deferred Income	128,165	121,033	95,684	-343,458	68,680	-105,928	208,055	891,724
Deferred Taxes & Provisions	78,932	16,029	1,410	-348	1,630	12,553	-4,623	-14,099	16,190	-21,805	18,630	1,308	-40,309	-20,020	64,728
Cash flow from operations	447,703	431,081	697,902	2,658,250	827,754	1,109,658	-887,855	-2,891,917	-1,209,529	151,628	-210,218	27,495	-32,040	-973,129	-1,602,404
Investing Activities
capital expenditure	-28,145	-47,650	-106,095	-66,585	-16,170	-38,561	-56,602	-69,825	-10,732	-50,101	-96,174	-8,022	-2,680	-592	-172,883
Change in Investments
cash flow from investments	-28,145	-47,650	-106,095	-66,585	-16,170	-38,561	-56,602	-69,825	-10,732	-50,101	-96,174	-8,022	-2,680	-592	-172,883
Financing Activities
Bank loans	172,893	1,998,109					-2,848,304	2,848,304
Group/Directors Accounts
Other Short Term Loans
Long term loans	259,431	257,263	-279,940	-913,220	-411,929	-527,646	1,087,644	4,656,413
Hire Purchase and Lease Commitments	-35,178	23,226	39,693	6,480	-21,647	12,679	11,262	41,179
other long term liabilities								-4,226,992	985,825	186,004	303,771	-157,496	125,789	1,022,798	1,760,301
share issue															15,000
interest	-670,949	-477,342	-368,737	-440,832	-559,582	-580,267	-508,304	-234,230	860	723	9	360	475	123
cash flow from financing	-273,803	1,801,256	-608,984	-1,347,572	-993,158	-1,095,234	-2,257,702	3,084,674	986,685	186,727	303,780	-157,136	126,264	1,022,921	1,775,301
cash and cash equivalents
cash	145,754	-11,558	-221,818	279,059	-44,220	180,325	-178,056	122,931	-233,577	288,254	-2,612	-137,663	91,544	49,200	14
overdraft		-2,196,245	-204,641	-965,034	137,354	204,462	3,024,104
change in cash	145,754	2,184,687	-17,177	1,244,093	-181,574	-24,137	-3,202,160	122,931	-233,577	288,254	-2,612	-137,663	91,544	49,200	14

Very Low Risk70 - 100

Low Risk50 - 70

Moderate Risk30 - 50

High Risk20 - 30

Very High Risk0 - 20

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EXCEL -A- RATE BUSINESS SERVICES LIMITED group structure

Excel -A- Rate Business Services Limited has no subsidiary companies.

Ultimate parent company

EXCEL -A- RATE BUSINESS SERVICES LIMITED

03282233

EXCEL -A- RATE BUSINESS SERVICES LIMITED Shareholders

trustees of ballan family trust

100%

Excel -A- Rate Business Services Limited currently has 3 directors. The longest serving directors include Mr David Ballan (Nov 1996) and Mrs Denise Pinder (May 2001).

officer	country	age	start	end	role
Mr David Ballan		67 years	Nov 1996	-	Director
Mrs Denise Pinder		64 years	May 2001	-	Director
Mr Zachary Ballan	England	34 years	Jul 2018	-	Director

P&L

September 2023

turnover

44.5m

+8%

operating profit

934.9k

gross margin

57.1%

-1.33%

turnover

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

Balance Sheet

September 2023

net assets

3.1m

+0.07%

total assets

10.6m

+0.08%

cash

327.6k

+0.8%

net assets

Total assets minus all liabilities

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company number

03282233

Type

Private limited with Share Capital

industry

64999 - Other financial service activities, except insurance and pension funding, (not including security dealing on own account and factoring) n.e.c.

incorporation date

November 1996

ultimate parent company

None

previous names

N/A

address

prospect house 389-391 ainsworth, road radcliffe, manchester, M26 4HN

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 41 charges/mortgages relating to excel -a- rate business services limited. Currently there are 31 open charges and 10 have been satisfied in the past.

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.

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excel -a- rate business services limited Company Information

excel -a- rate business services limited Estimated Valuation

excel -a- rate business services limited Estimated Valuation

excel -a- rate business services limited Estimated Valuation

Excel -a- Rate Business Services Limited Overview

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EXCEL -A- RATE BUSINESS SERVICES LIMITED financials

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excel -a- rate business services limited Ownership

excel -a- rate business services limited directors

excel -a- rate business services limited company details

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