Sterling Commercial Finance Limited

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sterling commercial finance limited Company Information

Live

MatureMicroHealthy

Company Number

03853461

Next Accounts

Dec 2025

Industry

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

Directors

David Griffiths

Shareholders

sterling capital reserve group ltd

Group Structure

View All

Contact

Registered Address

sterling house, 5 wheatcroft business park, edwalton, nottingham, NG12 4DG

Website

www.sterlingcapitalreserve.co.uk

sterling commercial finance limited Estimated Valuation

£275.6k

Pomanda estimates the enterprise value of STERLING COMMERCIAL FINANCE LIMITED at £275.6k based on a Turnover of £332.5k and 0.83x industry multiple (adjusted for size and gross margin).

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Sterling Commercial Finance Limited is a live company located in edwalton, NG12 4DG with a Companies House number of 03853461. It operates in the financial intermediation not elsewhere classified sector, SIC Code 64999. Founded in September 1999, it's largest shareholder is sterling capital reserve group ltd with a 100% stake. Sterling Commercial Finance Limited is a mature, micro sized company, Pomanda has estimated its turnover at £332.5k with healthy growth in recent years.

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Pomanda's financial health check has awarded Sterling Commercial Finance Limited a 1.5 rating. We use a traffic light system to show it exceeds the industry average on 2 measures and has 7 areas for improvement. Company Health Check FAQs

Health Rating1.5out of 5

2 Strong

1 Regular

7 Weak

Size

annual sales of £332.5k, make it smaller than the average company (£5.2m)

Growth

3 year (CAGR) sales growth of 12%, show it is growing at a faster rate (6.7%)

EXPORT

Sterling Commercial Finance Limited's latest turnover from March 2024 is estimated at £332.5 thousand and the company has net assets of £4.7 thousand. According to their latest financial statements, Sterling Commercial Finance Limited has 5 employees and maintains cash reserves of 0 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	Mar 2010
Turnover	332,549	297,567	304,589	233,691	495,344	181,017	211,603	158,849	154,385	148,170	162,818	154,946	122,580	180,859	210,311
Other Income Or Grants	0	0	0	0	0	0	0	0	0	0	0	0	0	0	0
Cost Of Sales	285,243	247,479	249,208	189,669	395,461	147,080	166,828	121,173	105,900	103,219	115,490	109,218	87,719	131,955	161,550
Gross Profit	47,305	50,089	55,381	44,022	99,882	33,937	44,775	37,676	48,484	44,952	47,328	45,728	34,862	48,904	48,761
Admin Expenses	54,944	47,775	53,923	43,315	104,289	33,549	43,062	35,837	44,954	44,515	46,051	39,322	33,509	54,583	41,108
Operating Profit	-7,639	2,314	1,458	707	-4,407	388	1,713	1,839	3,530	437	1,277	6,406	1,353	-5,679	7,653
Interest Payable	0	0	0	0	0	0	0	0	0	0	0	0	0	0	0
Interest Receivable	0	0	0	0	0	0	38	25	16	11	31	25	0	0	0
Pre-Tax Profit	-7,639	2,314	1,458	707	-4,407	388	1,752	1,864	3,545	448	1,308	6,430	1,353	-5,679	7,653
Tax	0	-440	-277	-134	0	-74	-333	-373	-709	-94	-301	-1,543	-352	0	-2,143
Profit After Tax	-7,639	1,874	1,181	573	-4,407	314	1,419	1,491	2,836	354	1,007	4,887	1,001	-5,679	5,510
Dividends Paid	0	0	0	0	0	0	0	0	0	0	0	0	0	0	0
Retained Profit	-7,639	1,874	1,181	573	-4,407	314	1,419	1,491	2,836	354	1,007	4,887	1,001	-5,679	5,510
Employee Costs	400,013	295,703	292,852	202,805	550,970	68,190	65,788	62,709	60,778	58,181	59,237	57,548	55,943	55,914	56,354
Number Of Employees	5	4	4	3	8	1	1	1	1	1	1	1	1	1	1
EBITDA*	-7,639	2,314	1,458	707	-4,407	388	1,713	1,839	6,132	2,914	3,221	7,894	2,469	-3,474	11,103

* 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	Mar 2010
Tangible Assets	15,458	13,000	13,206	13,300	10,744	8,500	7,500	8,699	7,901	8,799	9,550	4,950	3,966	2,000	1,851
Intangible Assets	0	0	0	0	0	0	0	0	0	0	0	0	0	0	0
Investments & Other	0	0	0	0	0	0	0	0	0	0	0	0	0	0	0
Debtors (Due After 1 year)	0	0	0	0	0	0	0	0	0	0	0	0	0	0	0
Total Fixed Assets	15,458	13,000	13,206	13,300	10,744	8,500	7,500	8,699	7,901	8,799	9,550	4,950	3,966	2,000	1,851
Stock & work in progress	0	0	0	0	0	0	0	0	0	0	0	0	0	0	0
Trade Debtors	46,381	70,156	82,197	51,764	90,349	61,149	67,533	51,139	57,149	54,641	60,078	56,188	43,394	67,514	77,116
Group Debtors	0	0	0	0	0	0	0	0	0	0	0	0	0	0	0
Misc Debtors	0	0	0	0	0	0	0	0	0	0	0	0	0	0	0
Cash	0	0	0	0	0	0	0	15,361	4,600	1,600	2,659	9,812	0	0	0
misc current assets	0	0	0	0	0	0	0	0	0	0	0	0	0	0	0
total current assets	46,381	70,156	82,197	51,764	90,349	61,149	67,533	66,500	61,749	56,241	62,737	66,000	43,394	67,514	77,116
total assets	61,839	83,156	95,403	65,064	101,093	69,649	75,033	75,199	69,650	65,040	72,287	70,950	47,360	69,514	78,967
Bank overdraft	0	0	0	0	0	0	0	0	0	0	0	0	0	0	0
Bank loan	0	0	0	0	0	0	0	0	0	0	0	0	0	0	0
Trade Creditors	45,935	50,654	47,959	0	61,111	41,925	62,207	63,392	59,334	57,560	65,161	64,831	46,128	69,283	73,057
Group/Directors Accounts	0	0	0	0	0	0	0	0	0	0	0	0	0	0	0
other short term finances	0	0	0	0	0	0	0	0	0	0	0	0	0	0	0
hp & lease commitments	0	0	0	0	0	0	0	0	0	0	0	0	0	0	0
other current liabilities	0	0	0	0	0	0	0	0	0	0	0	0	0	0	0
total current liabilities	45,935	50,654	47,959	0	61,111	41,925	62,207	63,392	59,334	57,560	65,161	64,831	46,128	69,283	73,057
loans	0	0	0	0	0	0	0	0	0	0	0	0	0	0	0
hp & lease commitments	0	0	0	0	0	0	0	0	0	0	0	0	0	0	0
Accruals and Deferred Income	0	0	0	0	0	0	0	0	0	0	0	0	0	0	0
other liabilities	11,182	20,141	36,957	55,758	31,249	14,584	0	0	0	0	0	0	0	0	0
provisions	0	0	0	0	0	0	0	0	0	0	0	0	0	0	0
total long term liabilities	11,182	20,141	36,957	55,758	31,249	14,584	0	0	0	0	0	0	0	0	0
total liabilities	57,117	70,795	84,916	55,758	92,360	56,509	62,207	63,392	59,334	57,560	65,161	64,831	46,128	69,283	73,057
net assets	4,722	12,361	10,487	9,306	8,733	13,140	12,826	11,807	10,316	7,480	7,126	6,119	1,232	231	5,910
total shareholders funds	4,722	12,361	10,487	9,306	8,733	13,140	12,826	11,807	10,316	7,480	7,126	6,119	1,232	231	5,910

	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	Mar 2010
Operating Activities
Operating Profit	-7,639	2,314	1,458	707	-4,407	388	1,713	1,839	3,530	437	1,277	6,406	1,353	-5,679	7,653
Depreciation	0	0	0	0	0	0	0	0	2,602	2,477	1,944	1,488	1,116	2,205	3,450
Amortisation	0	0	0	0	0	0	0	0	0	0	0	0	0	0	0
Tax	0	-440	-277	-134	0	-74	-333	-373	-709	-94	-301	-1,543	-352	0	-2,143
Stock	0	0	0	0	0	0	0	0	0	0	0	0	0	0	0
Debtors	-23,775	-12,041	30,433	-38,585	29,200	-6,384	16,394	-6,010	2,508	-5,437	3,890	12,794	-24,120	-9,602	77,116
Creditors	-4,719	2,695	47,959	-61,111	19,186	-20,282	-1,185	4,058	1,774	-7,601	330	18,703	-23,155	-3,774	73,057
Accruals and Deferred Income	0	0	0	0	0	0	0	0	0	0	0	0	0	0	0
Deferred Taxes & Provisions	0	0	0	0	0	0	0	0	0	0	0	0	0	0	0
Cash flow from operations	11,417	16,610	18,707	-21,953	-14,421	-13,584	-16,199	11,534	4,689	656	-640	12,260	3,082	2,354	4,901
Investing Activities
capital expenditure	-2,458	206	94	-2,556	-2,244	-1,000	1,199	-798	-1,704	-1,726	-6,544	-2,472	-3,082	-2,354	-5,301
Change in Investments	0	0	0	0	0	0	0	0	0	0	0	0	0	0	0
cash flow from investments	-2,458	206	94	-2,556	-2,244	-1,000	1,199	-798	-1,704	-1,726	-6,544	-2,472	-3,082	-2,354	-5,301
Financing Activities
Bank loans	0	0	0	0	0	0	0	0	0	0	0	0	0	0	0
Group/Directors Accounts	0	0	0	0	0	0	0	0	0	0	0	0	0	0	0
Other Short Term Loans	0	0	0	0	0	0	0	0	0	0	0	0	0	0	0
Long term loans	0	0	0	0	0	0	0	0	0	0	0	0	0	0	0
Hire Purchase and Lease Commitments	0	0	0	0	0	0	0	0	0	0	0	0	0	0	0
other long term liabilities	-8,959	-16,816	-18,801	24,509	16,665	14,584	0	0	0	0	0	0	0	0	0
share issue	0	0	0	0	0	0	-400	0	0	0	0	0	0	0	400
interest	0	0	0	0	0	0	38	25	16	11	31	25	0	0	0
cash flow from financing	-8,959	-16,816	-18,801	24,509	16,665	14,584	-362	25	16	11	31	25	0	0	400
cash and cash equivalents
cash	0	0	0	0	0	0	-15,361	10,761	3,000	-1,059	-7,153	9,812	0	0	0
overdraft	0	0	0	0	0	0	0	0	0	0	0	0	0	0	0
change in cash	0	0	0	0	0	0	-15,361	10,761	3,000	-1,059	-7,153	9,812	0	0	0

Very Low Risk70 - 100

Low Risk50 - 70

Moderate Risk30 - 50

High Risk20 - 30

Very High Risk0 - 20

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STERLING COMMERCIAL FINANCE LIMITED group structure

Sterling Commercial Finance Limited has no subsidiary companies.

Ultimate parent company

STERLING COMMERCIAL FINANCE GROUP LIMITED

03638957

1 parent

STERLING COMMERCIAL FINANCE LIMITED

03853461

STERLING COMMERCIAL FINANCE LIMITED Shareholders

sterling capital reserve group ltd

100%

Sterling Commercial Finance Limited currently has 1 director, Mr David Griffiths serving since Sep 1999.

officer	country	age	start	end	role
Mr David Griffiths		61 years	Sep 1999	-	Director

P&L

March 2024

turnover

332.5k

+12%

operating profit

-7.6k

gross margin

14.3%

-15.49%

turnover

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

Balance Sheet

March 2024

net assets

4.7k

-0.62%

total assets

61.8k

-0.26%

cash

net assets

Total assets minus all liabilities

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company number

03853461

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

September 1999

ultimate parent company

STERLING COMMERCIAL FINANCE GROUP LIMITED

previous names

scr business solutions limited (January 2001)

address

sterling house, 5 wheatcroft business park, edwalton, nottingham, NG12 4DG

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sterling commercial finance limited Company Information

sterling commercial finance limited Estimated Valuation

sterling commercial finance limited Estimated Valuation

sterling commercial finance limited Estimated Valuation

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