Pomanda estimates the enterprise value of CREDO CAPITAL LIMITED at £54.2m based on a Turnover of £26m and 2.09x industry multiple (adjusted for size and gross margin).
credo capital limitedEstimated Valuation
£33.4m
Pomanda estimates the enterprise value of CREDO CAPITAL LIMITED at £33.4m based on an EBITDA of £4.4m and a 7.57x industry multiple (adjusted for size and gross margin).
credo capital limitedEstimated Valuation
£10.9m
Pomanda estimates the enterprise value of CREDO CAPITAL LIMITED at £10.9m based on Net Assets of £8.9m and 1.23x industry multiple (adjusted for liquidity).
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Credo Capital LimitedOverview
Credo Capital Limited is a live company located in london, NW1 5DX with a Companies House number of 03681529. It operates in the financial intermediation not elsewhere classified sector, SIC Code 64999. Founded in December 1998, it's largest shareholder is
credo wealth limited
with a 100% stake. Credo Capital Limited is a mature,
large sized company, Pomanda has estimated its turnover at
£26m with
low
growth in recent years.
Pomanda's financial health check has awarded Credo Capital Limited a 5 rating. We use a traffic light system to show it exceeds the industry average on 8 measures and has 3 areas for improvement. Company Health Check FAQs
Health Rating5out of 5
8 Strong
0 Regular
3 Weak
Size
annual sales of £26m, make it larger than the average company (£5.5m)
£26m - Credo Capital Limited
£5.5m - Industry AVG
Growth
3 year (CAGR) sales growth of 0%, show it is growing at a slower rate (5%)
0% - Credo Capital Limited
5% - Industry AVG
Production
with a gross margin of 74%, this company has a lower cost of product (54.3%)
74% - Credo Capital Limited
54.3% - Industry AVG
Profitability
an operating margin of 17% make it more profitable than the average company (9.1%)
17% - Credo Capital Limited
9.1% - Industry AVG
Employees
with 81 employees, this is above the industry average (14)
81 - Credo Capital Limited
14 - Industry AVG
Pay Structure
on an average salary of £117.7k, the company has a higher pay structure (£82.7k)
£117.7k - Credo Capital Limited
£82.7k - Industry AVG
Efficiency
resulting in sales per employee of £320.9k, this is more efficient (£222.2k)
£320.9k - Credo Capital Limited
£222.2k - Industry AVG
Debtor Days
it gets paid by customers after 4 days, this is earlier than average (33 days)
4 days - Credo Capital Limited
33 days - Industry AVG
Creditor Days
its suppliers are paid after 8 days, this is quicker than average (45 days)
8 days - Credo Capital Limited
45 days - Industry AVG
Stock Days
There is insufficient data available for this Key Performance Indicator!
- - Credo Capital Limited
- - Industry AVG
Cash Balance
has cash to cover current liabilities
for 56 weeks, this is more cash available to meet short term requirements (29 weeks)
56 weeks - Credo Capital Limited
29 weeks - Industry AVG
Debt Level
it has a ratio of liabilities to total assets of 29.2%, this is a lower level of debt than the average (71.4%)
29.2% - Credo Capital Limited
71.4% - Industry AVG
CREDO CAPITAL LIMITED financials
EXPORT
Credo Capital Limited's latest turnover from December 2023 is £26 million and the company has net assets of £8.9 million. According to their latest financial statements, Credo Capital Limited has 81 employees and maintains cash reserves of £4 million as reported in the balance sheet.
Data source:Companies House, Pomanda Estimates
Dec 2023
Dec 2022
Dec 2021
Dec 2020
Dec 2019
Jan 2019
Jan 2018
Jan 2017
Jan 2016
Jan 2015
Jan 2014
Jan 2013
Jan 2012
Jan 2011
Jan 2010
Turnover
25,991,419
24,589,408
28,243,672
25,651,941
21,517,565
23,696,746
21,546,220
10,840,020
9,842,251
8,361,364
7,963,482
7,479,600
7,031,436
6,586,753
5,186,559
Other Income Or Grants
Cost Of Sales
6,754,142
6,335,865
11,141,710
9,836,815
7,976,985
8,875,361
8,303,731
4,229,544
3,413,109
2,996,910
3,028,068
2,920,090
2,873,380
2,816,459
2,435,894
Gross Profit
19,237,277
18,253,543
17,101,962
15,815,126
13,540,580
14,821,385
13,242,489
6,610,476
6,429,142
5,364,454
4,935,414
4,559,510
4,158,056
3,770,294
2,750,665
Admin Expenses
14,827,720
14,390,325
13,343,836
12,108,076
10,480,798
10,434,723
10,541,028
4,813,412
3,923,771
5,098,712
4,216,566
2,890,974
2,850,453
1,960,037
2,107,144
Operating Profit
4,409,557
3,863,218
3,758,126
3,707,050
3,059,782
4,386,662
2,701,461
1,797,064
2,505,371
265,742
718,848
1,668,536
1,307,603
1,810,257
643,521
Interest Payable
889,078
8,125
5,807
Interest Receivable
650,784
36,385
66,249
1,587
719
1,127
1,728
1,116
1,746
Pre-Tax Profit
5,144,799
3,023,842
5,288,503
5,284,806
4,614,178
4,384,296
3,358,997
2,148,687
2,626,062
501,154
578,469
1,941,040
1,365,689
1,919,440
639,460
Tax
-1,135,490
-430,483
-935,836
-881,084
-809,864
-883,971
-570,879
-492,522
-505,349
-84,861
-149,491
-450,568
-388,544
-551,478
-188,153
Profit After Tax
4,009,309
2,593,359
4,352,667
4,403,722
3,804,314
3,500,325
2,788,118
1,656,165
2,120,713
416,293
428,978
1,490,472
977,145
1,367,962
451,307
Dividends Paid
830,000
6,800,000
2,862,957
2,442,925
3,500,164
1,400,000
1,400,000
750,000
Retained Profit
3,179,309
-4,206,641
1,489,710
1,960,797
304,150
3,500,325
2,788,118
256,165
2,120,713
416,293
428,978
1,490,472
-422,855
617,962
451,307
Employee Costs
9,535,821
8,845,502
8,370,497
7,971,341
5,673,068
7,327,790
3,758,674
3,241,833
Number Of Employees
81
82
80
76
69
122
111
60
53
8
8
8
9
8
8
EBITDA*
4,412,058
3,864,076
3,763,396
3,713,575
3,063,261
4,387,308
2,701,461
1,797,064
3,953,044
555,278
863,616
1,668,536
1,307,603
1,810,257
643,521
* Earnings Before Interest, Tax, Depreciation and Amortisation
Dec 2023
Dec 2022
Dec 2021
Dec 2020
Dec 2019
Jan 2019
Jan 2018
Jan 2017
Jan 2016
Jan 2015
Jan 2014
Jan 2013
Jan 2012
Jan 2011
Jan 2010
Tangible Assets
858
6,128
12,653
10,981
Intangible Assets
2,501
2,501
144,767
434,303
Investments & Other
769,325
218,448
1,574,938
Debtors (Due After 1 year)
Total Fixed Assets
2,501
3,359
6,128
12,653
144,767
434,303
769,325
218,448
1,574,938
Stock & work in progress
Trade Debtors
299,466
242,641
333,207
210,168
294,811
30,830
21,723
17,102
16,733
19,130
17,238
14,203
43,422
165,698
238,186
Group Debtors
711,007
585,349
417,891
416,985
146,034
12,678
354
27,400
637,877
437,872
35,476
35,228
511,929
85,409
29,896
Misc Debtors
5,234,077
5,032,366
5,352,960
4,878,311
5,274,739
3,929,335
3,713,207
2,610,695
1,995,260
1,564,778
1,671,619
1,356,344
1,031,023
1,674,973
963,210
Cash
3,959,042
1,052,725
2,852,175
2,085,608
1,476,321
2,255,081
2,216,225
2,924,219
2,503,883
2,504,256
3,187,408
1,790,892
1,467,628
2,567,763
misc current assets
2,328,068
9,444,034
13,388,510
8,881,319
7,167,304
4,794,839
3,831,809
2,628,556
1,584,149
total current assets
12,531,660
16,357,115
22,344,743
20,920,295
18,064,550
16,816,496
13,157,669
9,666,261
9,405,898
7,154,219
5,812,738
4,593,183
3,377,266
3,393,708
3,799,055
total assets
12,531,660
16,359,616
22,348,102
20,926,423
18,077,203
16,816,496
13,157,669
9,666,261
9,405,898
7,298,986
6,247,041
5,362,508
3,595,714
4,968,646
3,799,055
Bank overdraft
Bank loan
Trade Creditors
157,864
77,079
142,964
68,426
70,171
100,526
110,192
78,385
39,810
5,231
9,252
4,735
2,005
148,563
173,568
Group/Directors Accounts
343,112
367,768
1,076,261
1,108,077
43,104
297,782
313,692
15,674
302,631
143,452
other short term finances
hp & lease commitments
other current liabilities
3,127,099
2,578,676
4,269,963
4,615,570
3,837,763
4,235,892
1,822,881
2,216,371
2,168,852
1,919,450
1,263,867
1,110,847
852,929
1,353,817
936,362
total current liabilities
3,628,075
3,023,523
4,412,927
4,683,996
3,907,934
3,210,633
3,041,150
2,337,860
2,208,662
2,222,463
1,586,811
1,131,256
854,934
1,805,011
1,253,382
loans
125,000
125,000
125,000
125,000
125,000
125,000
125,000
hp & lease commitments
Accruals and Deferred Income
other liabilities
provisions
29,416
171,233
563,674
721,272
496,550
total long term liabilities
29,416
171,233
563,674
360,636
248,275
125,000
125,000
125,000
125,000
125,000
125,000
125,000
total liabilities
3,657,491
3,194,756
4,976,601
5,044,632
4,156,209
3,210,633
3,041,150
2,337,860
2,333,662
2,347,463
1,711,811
1,256,256
979,934
1,930,011
1,378,382
net assets
8,874,169
13,164,860
17,371,501
15,881,791
13,920,994
13,605,863
10,116,519
7,328,401
7,072,236
4,951,523
4,535,230
4,106,252
2,615,780
3,038,635
2,420,673
total shareholders funds
8,874,169
13,164,860
17,371,501
15,881,791
13,920,994
13,616,844
10,116,519
7,328,401
7,072,236
4,951,523
4,535,230
4,106,252
2,615,780
3,038,635
2,420,673
Dec 2023
Dec 2022
Dec 2021
Dec 2020
Dec 2019
Jan 2019
Jan 2018
Jan 2017
Jan 2016
Jan 2015
Jan 2014
Jan 2013
Jan 2012
Jan 2011
Jan 2010
Operating Activities
Operating Profit
4,409,557
3,863,218
3,758,126
3,707,050
3,059,782
4,386,662
2,701,461
1,797,064
2,505,371
265,742
718,848
1,668,536
1,307,603
1,810,257
643,521
Depreciation
858
5,270
6,525
3,479
646
Amortisation
2,501
1,447,673
289,536
144,768
Tax
-1,135,490
-430,483
-935,836
-881,084
-809,864
-883,971
-570,879
-492,522
-505,349
-84,861
-149,491
-450,568
-388,544
-551,478
-188,153
Stock
Debtors
384,194
-243,702
598,594
-210,120
1,980,300
-3,735,284
1,080,087
5,327
628,090
297,447
318,558
-180,599
-339,706
694,788
1,231,292
Creditors
80,785
-65,885
74,538
-1,745
-40,021
-9,666
31,807
38,575
34,579
-4,021
4,517
2,730
-146,558
-25,005
173,568
Accruals and Deferred Income
548,423
-1,691,287
-345,607
777,807
2,014,882
2,413,011
-393,490
47,519
249,402
655,583
153,020
257,918
-500,888
417,455
936,362
Deferred Taxes & Provisions
-141,817
-392,441
-157,598
224,722
496,550
Cash flow from operations
3,379,765
1,527,682
1,800,299
4,043,395
2,744,508
9,641,966
688,812
1,385,309
3,103,586
824,532
553,104
1,659,215
611,319
956,441
334,006
Investing Activities
capital expenditure
-16,132
-11,627
-8,646,113
-5,577,641
-1,277,876
-834,621
-1,103
-346,652
1,356,490
-1,574,938
Change in Investments
-769,325
550,877
-1,356,490
1,574,938
cash flow from investments
-16,132
-11,627
-8,646,113
-5,577,641
-1,277,876
-834,621
768,222
-897,529
2,712,980
-3,149,876
Financing Activities
Bank loans
Group/Directors Accounts
-24,656
367,768
-1,108,077
-31,816
1,064,973
43,104
-297,782
-15,910
298,018
15,674
-302,631
159,179
143,452
Other Short Term Loans
Long term loans
-125,000
125,000
Hire Purchase and Lease Commitments
other long term liabilities
share issue
-7,470,000
3,500,325
1,969,366
interest
650,784
-852,693
66,249
1,587
719
-6,998
1,728
1,116
-4,061
cash flow from financing
-6,843,872
-484,925
66,249
2,392,248
-31,816
1,064,973
-81,896
-297,782
-14,323
298,737
8,676
-300,903
160,295
2,233,757
cash and cash equivalents
cash
2,906,317
-1,799,450
766,567
609,287
-778,760
-2,255,081
38,856
-707,994
420,336
-373
-683,152
1,396,516
323,264
-1,100,135
2,567,763
overdraft
change in cash
2,906,317
-1,799,450
766,567
609,287
-778,760
-2,255,081
38,856
-707,994
420,336
-373
-683,152
1,396,516
323,264
-1,100,135
2,567,763
credo capital limited Credit Report and Business Information
Very Low Risk70 - 100
Low Risk50 - 70
Moderate Risk30 - 50
High Risk20 - 30
Very High Risk0 - 20
Get a comprehensive credit check for credo capital limited. Get real-time insights into credo capital limited's credit score, group structure and payment trends.
Perform a competitor analysis for credo capital limited by selecting its closest rivals, whether from the FINANCIAL AND INSURANCE ACTIVITIES sector, other large companies, companies in NW1 area or any other competitors across 12 key performance metrics.
credo capital limited Ownership
CREDO CAPITAL LIMITED group structure
Credo Capital Limited has no subsidiary companies.
Ultimate parent company
CREDO WEALTH LTD
#0099334
1 parent
CREDO CAPITAL LIMITED
03681529
CREDO CAPITAL LIMITED Shareholders
The sole shareholder of Credo Capital Limited is Credo Wealth Limited.
credo wealth limited
100%
credo capital limited directors
Credo Capital Limited currently has 9 directors.
The longest serving directors include
Mr Gregory Roediger (Mar 1999) and
Mr Roy Ettlinger (Jan 2001).
64999 - Other financial service activities, except insurance and pension funding, (not including security dealing on own account and factoring) n.e.c.
incorporation date
December 1998
age
27
incorporated
UK
ultimate parent company
CREDO WEALTH LTD
accounts
Full Accounts
last accounts submitted
December 2023
previous names
credo capital plc. (August 2018)
boostindex public limited company (February 1999)
accountant
-
auditor
GERALD EDELMAN LLP
address
8-12 york gate, 100 marylebone road, london, NW1 5DX
Bank
-
Legal Advisor
-
credo capital 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 did not find charges/mortgages relating to credo capital limited.
credo capital 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.
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credo capital limitedCompanies House Filings - See Documents
