first capital finance limited
first capital finance limited Company Information
Company Number
04092381
Next Accounts
Sep 2025
Shareholders
ignition credit plc
Group Structure
View All
Industry
Other financial service activities, except insurance and pension funding, (not including security dealing on own account and factoring) n.e.c.
Registered Address
capital house, 1084-1086 christchurch road, bournemouth, dorset, BH7 6DT
first capital finance limited Estimated Valuation
Pomanda estimates the enterprise value of FIRST CAPITAL FINANCE LIMITED at £4.7m based on a Turnover of £2.7m and 1.76x industry multiple (adjusted for size and gross margin).
first capital finance limited Estimated Valuation
Pomanda estimates the enterprise value of FIRST CAPITAL FINANCE LIMITED at £7m based on an EBITDA of £1.2m and a 6.06x industry multiple (adjusted for size and gross margin).
first capital finance limited Estimated Valuation
Pomanda estimates the enterprise value of FIRST CAPITAL FINANCE LIMITED at £3.8m based on Net Assets of £2.9m and 1.31x industry multiple (adjusted for liquidity).
Edit your figures and get a professional valuation report.
First Capital Finance Limited Overview
First Capital Finance Limited is a live company located in bournemouth, BH7 6DT with a Companies House number of 04092381. It operates in the financial intermediation not elsewhere classified sector, SIC Code 64999. Founded in October 2000, it's largest shareholder is ignition credit plc with a 100% stake. First Capital Finance Limited is a mature, small sized company, Pomanda has estimated its turnover at £2.7m with low growth in recent years.
Upgrade for unlimited company reports & a free credit check
First Capital Finance Limited Health Check
Pomanda's financial health check has awarded First Capital Finance Limited a 4 rating. We use a traffic light system to show it exceeds the industry average on 4 measures and has 4 areas for improvement. Company Health Check FAQs
4 Strong
3 Regular
4 Weak
Size
annual sales of £2.7m, make it smaller than the average company (£5.6m)
£2.7m - First Capital Finance Limited
£5.6m - Industry AVG
Growth
3 year (CAGR) sales growth of 3%, show it is growing at a slower rate (5%)
3% - First Capital Finance Limited
5% - Industry AVG
Production
with a gross margin of 99.6%, this company has a lower cost of product (54.1%)
99.6% - First Capital Finance Limited
54.1% - Industry AVG
Profitability
an operating margin of 42.3% make it more profitable than the average company (9.1%)
42.3% - First Capital Finance Limited
9.1% - Industry AVG
Employees
with 12 employees, this is similar to the industry average (14)
12 - First Capital Finance Limited
14 - Industry AVG
Pay Structure
on an average salary of £82.7k, the company has an equivalent pay structure (£82.7k)
- First Capital Finance Limited
£82.7k - Industry AVG
Efficiency
resulting in sales per employee of £221.4k, this is equally as efficient (£223.3k)
£221.4k - First Capital Finance Limited
£223.3k - Industry AVG
Debtor Days
it gets paid by customers after 1 days, this is earlier than average (33 days)
1 days - First Capital Finance Limited
33 days - Industry AVG
Creditor Days
its suppliers are paid after 1125 days, this is slower than average (46 days)
1125 days - First Capital Finance Limited
46 days - Industry AVG
Stock Days
There is insufficient data available for this Key Performance Indicator!
- - First Capital Finance Limited
- - Industry AVG
Cash Balance
has cash to cover current liabilities for 5 weeks, this is less cash available to meet short term requirements (29 weeks)
5 weeks - First Capital Finance Limited
29 weeks - Industry AVG
Debt Level
it has a ratio of liabilities to total assets of 84.1%, this is a higher level of debt than the average (71.4%)
84.1% - First Capital Finance Limited
71.4% - Industry AVG
FIRST CAPITAL FINANCE LIMITED financials
First Capital Finance Limited's latest turnover from December 2023 is £2.7 million and the company has net assets of £2.9 million. According to their latest financial statements, First Capital Finance Limited has 12 employees and maintains cash reserves of £983 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 | 2,657,000 | 2,359,000 | 2,424,000 | 2,463,000 | 2,556,000 | 2,274,000 | 1,605,000 | 943,972 | 842,743 | 655,596 | |||||
| Other Income Or Grants | |||||||||||||||
| Cost Of Sales | 12,000 | 192,000 | 240,000 | 224,000 | 143,000 | 144,000 | 106,000 | 76,240 | 4,116 | 98,129 | |||||
| Gross Profit | 2,645,000 | 2,167,000 | 2,184,000 | 2,239,000 | 2,413,000 | 2,130,000 | 1,499,000 | 867,732 | 838,627 | 557,467 | |||||
| Admin Expenses | 1,521,000 | 1,497,000 | 1,274,000 | 1,194,000 | 1,319,000 | 1,170,000 | 937,000 | 722,077 | 535,039 | 345,053 | |||||
| Operating Profit | 1,124,000 | 670,000 | 910,000 | 1,045,000 | 1,094,000 | 960,000 | 562,000 | 145,655 | 303,588 | 212,414 | |||||
| Interest Payable | 967,000 | 583,000 | 367,000 | 518,000 | 526,000 | 385,000 | 234,000 | 3,219 | 11 | 1,391 | |||||
| Interest Receivable | 1,000 | 1 | |||||||||||||
| Pre-Tax Profit | 157,000 | 88,000 | 543,000 | 527,000 | 568,000 | 575,000 | 914,000 | 142,436 | 303,577 | 260,024 | |||||
| Tax | 140,000 | -43,000 | -192,000 | -124,000 | -99,000 | -118,000 | -260,000 | -33,645 | -63,402 | -45,339 | |||||
| Profit After Tax | 297,000 | 45,000 | 351,000 | 403,000 | 469,000 | 457,000 | 654,000 | 108,791 | 240,175 | 214,685 | |||||
| Dividends Paid | 224,814 | 214,165 | |||||||||||||
| Retained Profit | 297,000 | 45,000 | 351,000 | 403,000 | 469,000 | 457,000 | 654,000 | 108,791 | 15,361 | 520 | |||||
| Employee Costs | 543,970 | 301,737 | 220,439 | ||||||||||||
| Number Of Employees | 12 | 12 | 10 | 11 | 13 | 11 | 11 | 7 | 8 | 7 | |||||
| EBITDA* | 1,152,000 | 693,000 | 936,000 | 1,078,000 | 1,133,000 | 960,000 | 562,000 | 170,180 | 323,399 | 217,501 |
* 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 | 104,000 | 34,000 | 36,000 | 51,000 | 99,000 | 70,000 | 91,000 | 86,186 | 58,535 | 13,050 | 11,873 | 19,616 | 36,250 | 55,154 | 83,550 |
| Intangible Assets | |||||||||||||||
| Investments & Other | 2 | 2 | 2 | 2 | 2 | 2 | 2 | 2 | |||||||
| Debtors (Due After 1 year) | 10,421,000 | 10,179,000 | 7,831,000 | 7,269,000 | 9,505,000 | 7,248,000 | 4,480,000 | 2,552,572 | |||||||
| Total Fixed Assets | 10,525,000 | 10,213,000 | 7,867,000 | 7,320,000 | 9,604,000 | 7,318,000 | 4,571,000 | 2,638,760 | 58,537 | 13,052 | 11,875 | 19,618 | 36,252 | 55,156 | 83,552 |
| Stock & work in progress | |||||||||||||||
| Trade Debtors | 10,000 | 15,000 | 24,000 | 103,000 | 48,000 | 121,000 | 101,000 | 41,836 | 22,688 | 20,928 | 172,565 | 174,514 | 132,786 | 121,487 | 113,735 |
| Group Debtors | 42,000 | 200,013 | 142,311 | ||||||||||||
| Misc Debtors | 6,635,000 | 5,152,000 | 4,174,000 | 4,188,000 | 5,046,000 | 3,613,000 | 2,835,000 | 1,774,578 | 19,373 | 20,486 | |||||
| Cash | 983,000 | 1,275,000 | 1,197,000 | 764,000 | 471,000 | 766,000 | 314,000 | 20,137 | 9,758 | 10,864 | 3,136 | 2,661 | 12,357 | ||
| misc current assets | |||||||||||||||
| total current assets | 7,628,000 | 6,484,000 | 5,395,000 | 5,055,000 | 5,565,000 | 4,500,000 | 3,250,000 | 1,836,551 | 251,832 | 194,589 | 175,701 | 174,514 | 135,447 | 133,844 | 113,735 |
| total assets | 18,153,000 | 16,697,000 | 13,262,000 | 12,375,000 | 15,169,000 | 11,818,000 | 7,821,000 | 4,475,311 | 310,369 | 207,641 | 187,576 | 194,132 | 171,699 | 189,000 | 197,287 |
| Bank overdraft | |||||||||||||||
| Bank loan | |||||||||||||||
| Trade Creditors | 37,000 | 53,000 | 20,000 | 20,000 | 7,000 | 9,000 | 18,000 | 9,296 | 6,673 | 27,222 | 104,406 | 107,588 | 67,029 | 73,056 | 67,868 |
| Group/Directors Accounts | 4,123,000 | 4,029,000 | 3,336,000 | 3,216,000 | 1,971,000 | 1,500,000 | 1,000,000 | 855,356 | |||||||
| other short term finances | 4,895,000 | 3,716,000 | 3,471,000 | 4,113,000 | 4,901,000 | 3,951,000 | 2,722,000 | 1,505,253 | |||||||
| hp & lease commitments | 11,000 | 5,000 | 11,000 | 31,000 | 18,000 | 43,000 | 16,353 | 12,448 | |||||||
| other current liabilities | 307,000 | 367,000 | 309,000 | 329,000 | 297,000 | 411,000 | 323,000 | 183,254 | 153,391 | 96,407 | |||||
| total current liabilities | 9,373,000 | 8,170,000 | 7,136,000 | 7,689,000 | 7,207,000 | 5,889,000 | 4,106,000 | 2,569,512 | 172,512 | 123,629 | 104,406 | 107,588 | 67,029 | 73,056 | 67,868 |
| loans | 5,878,000 | 5,570,000 | 3,177,000 | 2,240,000 | 6,030,000 | 4,567,000 | 2,804,000 | 1,654,146 | |||||||
| hp & lease commitments | 17,000 | 29,000 | 29,000 | 45,000 | 31,000 | 38,000 | 44,799 | 39,794 | |||||||
| Accruals and Deferred Income | |||||||||||||||
| other liabilities | 3,500 | 20,998 | 38,872 | 55,133 | |||||||||||
| provisions | 369,000 | 377,000 | 227,000 | 100,000 | 13,000 | 12,000 | 1,310 | 988 | 1,296 | 2,102 | 1,364 | ||||
| total long term liabilities | 5,895,000 | 5,939,000 | 3,583,000 | 2,496,000 | 6,175,000 | 4,611,000 | 2,854,000 | 1,698,945 | 39,794 | 1,310 | 988 | 4,796 | 23,100 | 40,236 | 55,133 |
| total liabilities | 15,268,000 | 14,109,000 | 10,719,000 | 10,185,000 | 13,382,000 | 10,500,000 | 6,960,000 | 4,268,457 | 212,306 | 124,939 | 105,394 | 112,384 | 90,129 | 113,292 | 123,001 |
| net assets | 2,885,000 | 2,588,000 | 2,543,000 | 2,190,000 | 1,787,000 | 1,318,000 | 861,000 | 206,854 | 98,063 | 82,702 | 82,182 | 81,748 | 81,570 | 75,708 | 74,286 |
| total shareholders funds | 2,885,000 | 2,588,000 | 2,543,000 | 2,190,000 | 1,787,000 | 1,318,000 | 861,000 | 206,854 | 98,063 | 82,702 | 82,182 | 81,748 | 81,570 | 75,708 | 74,286 |
| 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 | 1,124,000 | 670,000 | 910,000 | 1,045,000 | 1,094,000 | 960,000 | 562,000 | 145,655 | 303,588 | 212,414 | |||||
| Depreciation | 28,000 | 23,000 | 26,000 | 33,000 | 39,000 | 24,525 | 19,811 | 5,087 | 5,922 | 7,652 | 10,739 | 25,378 | 32,404 | ||
| Amortisation | |||||||||||||||
| Tax | 140,000 | -43,000 | -192,000 | -124,000 | -99,000 | -118,000 | -260,000 | -33,645 | -63,402 | -45,339 | |||||
| Stock | |||||||||||||||
| Debtors | 1,678,000 | 3,359,000 | 469,000 | -3,039,000 | 3,617,000 | 3,566,000 | 3,047,014 | 4,126,912 | 58,349 | 11,160 | -1,949 | 41,728 | 11,299 | 7,752 | 113,735 |
| Creditors | -16,000 | 33,000 | 13,000 | -2,000 | -9,000 | 8,704 | 2,623 | -20,549 | -77,184 | -3,182 | 40,559 | -6,027 | 5,188 | 67,868 | |
| Accruals and Deferred Income | -60,000 | 58,000 | -20,000 | 32,000 | -114,000 | 88,000 | 139,746 | 29,863 | 56,984 | 96,407 | |||||
| Deferred Taxes & Provisions | -369,000 | -8,000 | 150,000 | 127,000 | 87,000 | 1,000 | 12,000 | -1,310 | 322 | -308 | -806 | 738 | 1,364 | ||
| Cash flow from operations | -831,000 | -2,626,000 | 405,000 | 4,165,000 | -2,612,000 | -2,584,564 | -3,957,891 | 236,773 | 180,547 | ||||||
| Investing Activities | |||||||||||||||
| capital expenditure | |||||||||||||||
| Change in Investments | -2 | 2 | |||||||||||||
| cash flow from investments | |||||||||||||||
| Financing Activities | |||||||||||||||
| Bank loans | |||||||||||||||
| Group/Directors Accounts | 94,000 | 693,000 | 120,000 | 1,245,000 | 471,000 | 500,000 | 144,644 | 855,356 | |||||||
| Other Short Term Loans | 1,179,000 | 245,000 | -642,000 | -788,000 | 950,000 | 1,229,000 | 1,216,747 | 1,505,253 | |||||||
| Long term loans | 308,000 | 2,393,000 | 937,000 | -3,790,000 | 1,463,000 | 1,763,000 | 1,149,854 | 1,654,146 | |||||||
| Hire Purchase and Lease Commitments | 23,000 | -24,000 | -11,000 | -36,000 | 27,000 | -32,000 | 19,848 | 8,910 | 52,242 | ||||||
| other long term liabilities | -3,500 | -17,498 | -17,874 | -16,261 | 55,133 | ||||||||||
| share issue | |||||||||||||||
| interest | -967,000 | -582,000 | -367,000 | -518,000 | -526,000 | -385,000 | -234,000 | -3,219 | -11 | -1,390 | |||||
| cash flow from financing | 637,000 | 2,725,000 | 39,000 | -3,887,000 | 2,385,000 | 3,075,000 | 2,297,239 | 4,020,446 | 52,231 | -1,390 | |||||
| cash and cash equivalents | |||||||||||||||
| cash | -292,000 | 78,000 | 433,000 | 293,000 | -295,000 | 452,000 | 293,863 | 10,379 | -1,106 | 7,728 | 3,136 | -2,661 | -9,696 | 12,357 | |
| overdraft | |||||||||||||||
| change in cash | -292,000 | 78,000 | 433,000 | 293,000 | -295,000 | 452,000 | 293,863 | 10,379 | -1,106 | 7,728 | 3,136 | -2,661 | -9,696 | 12,357 |
first capital finance limited Credit Report and Business Information
First Capital Finance Limited Competitor Analysis
Perform a competitor analysis for first capital finance limited by selecting its closest rivals, whether from the FINANCIAL AND INSURANCE ACTIVITIES sector, other small companies, companies in BH7 area or any other competitors across 12 key performance metrics.
first capital finance limited Ownership
FIRST CAPITAL FINANCE LIMITED group structure
First Capital Finance Limited has 1 subsidiary company.
Ultimate parent company
STAR FINANCE PARTNERSHIP LP
#0118929
2 parents
FIRST CAPITAL FINANCE LIMITED
04092381
1 subsidiary
first capital finance limited directors
First Capital Finance Limited currently has 3 directors. The longest serving directors include Mr David Mogg (Jun 2001) and Mr Sean Devoy (Dec 2015).
| officer | country | age | start | end | role |
|---|---|---|---|---|---|
| Mr David Mogg | United Kingdom | 54 years | Jun 2001 | - | Director |
| Mr Sean Devoy | England | 58 years | Dec 2015 | - | Director |
| Mr Stephen Swift | 60 years | Aug 2024 | - | Director |
P&L
December 2023turnover
2.7m
+13%
operating profit
1.1m
+68%
gross margin
99.6%
+8.37%
turnover
Turnover, or revenue, is the amount of sales generated by a company within the financial year.
Balance Sheet
December 2023net assets
2.9m
+0.11%
total assets
18.2m
+0.09%
cash
983k
-0.23%
net assets
Total assets minus all liabilities
first capital finance limited company details
company number
04092381
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
October 2000
age
25
incorporated
UK
ultimate parent company
accounts
Small Company
last accounts submitted
December 2023
previous names
N/A
accountant
-
auditor
GRANT THORNTON UK LLP
address
capital house, 1084-1086 christchurch road, bournemouth, dorset, BH7 6DT
Bank
-
Legal Advisor
-
first capital finance 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 11 charges/mortgages relating to first capital finance limited. Currently there are 10 open charges and 1 have been satisfied in the past.
first capital finance 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 FIRST CAPITAL FINANCE LIMITED. This can take several minutes, an email will notify you when this has completed.
first capital finance limited Companies House Filings - See Documents
| date | description | view/download |
|---|
