bibby invoice discounting limited
bibby invoice discounting limited Company Information
Company Number
04105467
Next Accounts
Sep 2025
Shareholders
bibby invoice finance uk limited
Group Structure
View All
Industry
Factoring
Registered Address
3rd floor walker house, exchange flags, liverpool, L2 3YL
bibby invoice discounting limited Estimated Valuation
Pomanda estimates the enterprise value of BIBBY INVOICE DISCOUNTING LIMITED at £123.3m based on a Turnover of £36.8m and 3.35x industry multiple (adjusted for size and gross margin).
bibby invoice discounting limited Estimated Valuation
Pomanda estimates the enterprise value of BIBBY INVOICE DISCOUNTING LIMITED at £317.9m based on an EBITDA of £30.5m and a 10.42x industry multiple (adjusted for size and gross margin).
bibby invoice discounting limited Estimated Valuation
Pomanda estimates the enterprise value of BIBBY INVOICE DISCOUNTING LIMITED at £76.2m based on Net Assets of £41.1m and 1.85x industry multiple (adjusted for liquidity).
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Bibby Invoice Discounting Limited Overview
Bibby Invoice Discounting Limited is a live company located in liverpool, L2 3YL with a Companies House number of 04105467. It operates in the factoring sector, SIC Code 64992. Founded in November 2000, it's largest shareholder is bibby invoice finance uk limited with a 100% stake. Bibby Invoice Discounting Limited is a mature, large sized company, Pomanda has estimated its turnover at £36.8m with high growth in recent years.
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Bibby Invoice Discounting Limited Health Check
Pomanda's financial health check has awarded Bibby Invoice Discounting Limited a 5 rating. We use a traffic light system to show it exceeds the industry average on 6 measures and has 2 areas for improvement. Company Health Check FAQs
6 Strong
3 Regular
2 Weak
Size
annual sales of £36.8m, make it larger than the average company (£4.8m)
£36.8m - Bibby Invoice Discounting Limited
£4.8m - Industry AVG
Growth
3 year (CAGR) sales growth of 25%, show it is growing at a faster rate (3.8%)
25% - Bibby Invoice Discounting Limited
3.8% - Industry AVG
Production
with a gross margin of 82.9%, this company has a comparable cost of product (69.4%)
82.9% - Bibby Invoice Discounting Limited
69.4% - Industry AVG
Profitability
an operating margin of 82.9% make it more profitable than the average company (37.6%)
82.9% - Bibby Invoice Discounting Limited
37.6% - Industry AVG
Employees
with 37 employees, this is similar to the industry average (38)
37 - Bibby Invoice Discounting Limited
38 - Industry AVG
Pay Structure
on an average salary of £49.4k, the company has a lower pay structure (£65.4k)
£49.4k - Bibby Invoice Discounting Limited
£65.4k - Industry AVG
Efficiency
resulting in sales per employee of £995.4k, this is more efficient (£273.9k)
£995.4k - Bibby Invoice Discounting Limited
£273.9k - Industry AVG
Debtor Days
it gets paid by customers after 2766 days, this is later than average (1602 days)
2766 days - Bibby Invoice Discounting Limited
1602 days - Industry AVG
Creditor Days
its suppliers are paid after 2630 days, this is slower than average (695 days)
2630 days - Bibby Invoice Discounting Limited
695 days - Industry AVG
Stock Days
There is insufficient data available for this Key Performance Indicator!
- - Bibby Invoice Discounting Limited
- - Industry AVG
Cash Balance
has cash to cover current liabilities for 0 weeks, this is less cash available to meet short term requirements (1 weeks)
0 weeks - Bibby Invoice Discounting Limited
1 weeks - Industry AVG
Debt Level
it has a ratio of liabilities to total assets of 85.3%, this is a similar level of debt than the average (90.8%)
85.3% - Bibby Invoice Discounting Limited
90.8% - Industry AVG
BIBBY INVOICE DISCOUNTING LIMITED financials
Bibby Invoice Discounting Limited's latest turnover from December 2023 is £36.8 million and the company has net assets of £41.1 million. According to their latest financial statements, Bibby Invoice Discounting Limited has 37 employees and maintains cash reserves of £311.4 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 | 36,831,473 | 26,602,689 | 20,635,939 | 18,957,743 | 19,858,870 | 17,797,633 | 17,475,623 | 15,248,887 | 12,330,153 | 10,266,554 | 8,830,577 | 7,379,168 | 7,409,455 | 6,635,893 | 5,533,515 |
| Other Income Or Grants | |||||||||||||||
| Cost Of Sales | 6,310,742 | 6,220,920 | 7,259,367 | 3,967,509 | 8,167,175 | 4,270,032 | 5,679,380 | 5,356,255 | 3,543,784 | 4,232,184 | 3,092,473 | 2,707,367 | 4,187,785 | 3,419,667 | 6,134,451 |
| Gross Profit | 30,520,731 | 20,381,769 | 13,376,572 | 14,990,234 | 11,691,695 | 13,527,601 | 11,796,243 | 9,892,632 | 8,786,369 | 6,034,370 | 5,738,104 | 4,671,801 | 3,221,670 | 3,216,226 | -600,936 |
| Admin Expenses | |||||||||||||||
| Operating Profit | 30,520,731 | 20,381,769 | 13,376,572 | 14,990,234 | 11,691,695 | 13,527,601 | 11,796,243 | 9,892,632 | 8,786,369 | 6,034,370 | 5,738,104 | 4,671,801 | 3,221,670 | 3,216,226 | -600,936 |
| Interest Payable | 18,365,015 | 10,728,733 | 7,134,478 | 5,774,280 | 7,205,569 | 6,960,555 | 3,871,387 | 2,842,973 | 2,886,234 | 2,307,092 | 1,853,995 | 1,693,637 | 1,261,169 | 429,996 | 676,674 |
| Interest Receivable | |||||||||||||||
| Pre-Tax Profit | 12,155,716 | 9,653,036 | 6,242,094 | 9,215,954 | 4,486,126 | 6,567,046 | 7,924,856 | 7,039,523 | 5,900,135 | 3,727,278 | 3,884,109 | 2,978,164 | 1,960,501 | 2,786,230 | -1,277,610 |
| Tax | -1,411,505 | -1,196,887 | -804,594 | -905,296 | -731,159 | -523,361 | -784,967 | 353,637 | |||||||
| Profit After Tax | 12,155,716 | 9,653,036 | 6,242,094 | 9,215,954 | 4,486,126 | 6,567,046 | 7,924,856 | 5,628,018 | 4,703,248 | 2,922,684 | 2,978,813 | 2,247,005 | 1,437,140 | 2,001,263 | -923,973 |
| Dividends Paid | 22,518,000 | 4,310,000 | 3,530,000 | 5,906,973 | 1,423,000 | 1,981,000 | 770,000 | ||||||||
| Retained Profit | 12,155,716 | 9,653,036 | 6,242,094 | 9,215,954 | -18,031,874 | 6,567,046 | 3,614,856 | 2,098,018 | -1,203,725 | 2,922,684 | 2,978,813 | 824,005 | -543,860 | 2,001,263 | -1,693,973 |
| Employee Costs | 1,826,597 | 1,771,622 | 1,645,058 | 1,735,581 | 1,637,304 | 1,554,784 | 1,623,268 | 1,453,935 | 1,328,004 | 1,193,825 | 1,151,305 | 1,293,763 | 1,219,955 | 932,282 | 794,900 |
| Number Of Employees | 37 | 38 | 34 | 36 | 34 | 31 | 32 | 29 | 26 | 26 | 26 | 27 | 27 | 19 | 19 |
| EBITDA* | 30,520,731 | 20,381,769 | 13,376,572 | 14,990,234 | 11,691,695 | 13,527,601 | 11,796,243 | 9,895,748 | 8,791,166 | 6,039,181 | 5,745,527 | 4,677,657 | 3,231,936 | 3,231,643 | -585,107 |
* 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 | 3,116 | 7,913 | 12,724 | 20,147 | 16,202 | 7,645 | 23,063 | ||||||||
| Intangible Assets | |||||||||||||||
| Investments & Other | |||||||||||||||
| Debtors (Due After 1 year) | |||||||||||||||
| Total Fixed Assets | 3,116 | 7,913 | 12,724 | 20,147 | 16,202 | 7,645 | 23,063 | ||||||||
| Stock & work in progress | |||||||||||||||
| Trade Debtors | 279,186,516 | 253,968,078 | 236,620,967 | 181,676,618 | 203,231,493 | 202,635,939 | 178,724,692 | 149,682,186 | 122,909,757 | 165,886,868 | 137,061,657 | 110,786,415 | 95,102,188 | 83,553,167 | 67,505,952 |
| Group Debtors | 1,544 | 13,124 | |||||||||||||
| Misc Debtors | 25,306 | 109,263 | 29,138 | 4,005 | 1,910 | 14,585 | 384,829 | 905,359 | 112,542 | 47,623 | 52,108 | 47,035 | 31,594 | 46,364 | 388,836 |
| Cash | 311,443 | 330,475 | 574,735 | 331,633 | 1,413,438 | 827,509 | 485,576 | 393,519 | 61,275 | 8,392,373 | 7,777,865 | 8,347,478 | 3,099,624 | 2,058,872 | 5,653,627 |
| misc current assets | |||||||||||||||
| total current assets | 279,523,265 | 254,407,816 | 237,224,840 | 182,012,256 | 204,646,841 | 203,478,033 | 179,595,097 | 150,981,064 | 123,083,574 | 174,326,864 | 144,891,630 | 119,180,928 | 98,234,950 | 85,658,403 | 73,561,539 |
| total assets | 279,523,265 | 254,407,816 | 237,224,840 | 182,012,256 | 204,646,841 | 203,478,033 | 179,595,097 | 150,981,064 | 123,086,690 | 174,334,777 | 144,904,354 | 119,201,075 | 98,251,152 | 85,666,048 | 73,584,602 |
| Bank overdraft | 309,233 | 431,497 | 725,293 | 982,903 | 1,640,577 | 1,584,261 | 843,411 | 196,375 | 717,434 | ||||||
| Bank loan | |||||||||||||||
| Trade Creditors | 45,476,926 | 40,394,940 | 41,572,750 | 26,444,460 | 19,841,278 | 20,643,932 | 9,780,696 | 10,114,752 | 5,760,697 | 67,118,556 | 59,401,205 | 51,129,559 | 43,480,817 | 44,123,051 | 37,976,159 |
| Group/Directors Accounts | 191,511,836 | 183,885,145 | 175,469,635 | 140,413,585 | 178,587,654 | 158,591,160 | 152,902,004 | 126,202,733 | 103,696,108 | 94,012,016 | 74,636,872 | 61,235,074 | 48,624,808 | 32,976,637 | 28,781,056 |
| other short term finances | |||||||||||||||
| hp & lease commitments | |||||||||||||||
| other current liabilities | 1,109,220 | 735,901 | 149,865 | 1,106,105 | 728,083 | 777,557 | 754,909 | 2,767,983 | 3,311,248 | 1,818,486 | 2,660,440 | 1,430,411 | 1,229,794 | 1,986,897 | 1,543,622 |
| total current liabilities | 238,407,215 | 225,447,483 | 217,917,543 | 168,947,053 | 200,797,592 | 181,596,910 | 164,281,020 | 139,281,843 | 113,485,487 | 162,949,058 | 136,698,517 | 113,795,044 | 93,335,419 | 79,086,585 | 68,300,837 |
| loans | 580,791 | 323,594 | 502,601 | 836,308 | 1,956,178 | 2,661,742 | |||||||||
| hp & lease commitments | |||||||||||||||
| Accruals and Deferred Income | |||||||||||||||
| other liabilities | |||||||||||||||
| provisions | |||||||||||||||
| total long term liabilities | 580,791 | 323,594 | 502,601 | 836,308 | 1,956,178 | 2,661,742 | |||||||||
| total liabilities | 238,407,215 | 225,447,483 | 217,917,543 | 168,947,053 | 200,797,592 | 181,596,910 | 164,281,020 | 139,281,843 | 113,485,487 | 163,529,849 | 137,022,111 | 114,297,645 | 94,171,727 | 81,042,763 | 70,962,579 |
| net assets | 41,116,050 | 28,960,333 | 19,307,297 | 13,065,203 | 3,849,249 | 21,881,123 | 15,314,077 | 11,699,221 | 9,601,203 | 10,804,928 | 7,882,243 | 4,903,430 | 4,079,425 | 4,623,285 | 2,622,023 |
| total shareholders funds | 41,116,050 | 28,960,333 | 19,307,297 | 13,065,203 | 3,849,249 | 21,881,123 | 15,314,077 | 11,699,221 | 9,601,203 | 10,804,928 | 7,882,243 | 4,903,430 | 4,079,425 | 4,623,285 | 2,622,023 |
| 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 | 30,520,731 | 20,381,769 | 13,376,572 | 14,990,234 | 11,691,695 | 13,527,601 | 11,796,243 | 9,892,632 | 8,786,369 | 6,034,370 | 5,738,104 | 4,671,801 | 3,221,670 | 3,216,226 | -600,936 |
| Depreciation | 3,116 | 4,797 | 4,811 | 7,423 | 5,856 | 10,266 | 15,417 | 15,829 | |||||||
| Amortisation | |||||||||||||||
| Tax | -1,411,505 | -1,196,887 | -804,594 | -905,296 | -731,159 | -523,361 | -784,967 | 353,637 | |||||||
| Stock | |||||||||||||||
| Debtors | 25,134,481 | 17,427,236 | 54,969,482 | -21,552,780 | 582,879 | 23,541,003 | 28,521,976 | 27,565,246 | -42,912,192 | 28,820,726 | 26,280,315 | 15,698,124 | 11,535,795 | 15,691,619 | 67,907,912 |
| Creditors | 5,081,986 | -1,177,810 | 15,128,290 | 6,603,182 | -802,654 | 10,863,236 | -334,056 | 4,354,055 | -61,357,859 | 7,717,351 | 8,271,646 | 7,648,742 | -642,234 | 6,146,892 | 37,976,159 |
| Accruals and Deferred Income | 373,319 | 586,036 | -956,240 | 378,022 | -49,474 | 22,648 | -2,013,074 | -543,265 | 1,492,762 | -841,954 | 1,230,029 | 200,617 | -757,103 | 443,275 | 1,543,622 |
| Deferred Taxes & Provisions | |||||||||||||||
| Cash flow from operations | 10,841,555 | 2,362,759 | -27,420,860 | 43,524,218 | 10,256,688 | 872,482 | -19,072,863 | -15,270,213 | -9,358,626 | -16,710,742 | -11,938,409 | -3,902,267 | -10,226,557 | -6,654,776 | -28,619,601 |
| Investing Activities | |||||||||||||||
| capital expenditure | |||||||||||||||
| Change in Investments | |||||||||||||||
| cash flow from investments | |||||||||||||||
| Financing Activities | |||||||||||||||
| Bank loans | |||||||||||||||
| Group/Directors Accounts | 7,626,691 | 8,415,510 | 35,056,050 | -38,174,069 | 19,996,494 | 5,689,156 | 26,699,271 | 22,506,625 | 9,684,092 | 19,375,144 | 13,401,798 | 12,610,266 | 15,648,171 | 4,195,581 | 28,781,056 |
| Other Short Term Loans | |||||||||||||||
| Long term loans | -580,791 | 257,197 | -179,007 | -333,707 | -1,119,870 | -705,564 | 2,661,742 | ||||||||
| Hire Purchase and Lease Commitments | |||||||||||||||
| other long term liabilities | |||||||||||||||
| share issue | |||||||||||||||
| interest | -18,365,015 | -10,728,733 | -7,134,478 | -5,774,280 | -7,205,569 | -6,960,555 | -3,871,387 | -2,842,973 | -2,886,234 | -2,307,092 | -1,853,995 | -1,693,637 | -1,261,169 | -429,996 | -676,674 |
| cash flow from financing | -10,738,323 | -2,313,223 | 27,921,572 | -43,948,349 | 12,790,925 | -1,271,399 | 22,827,884 | 19,663,652 | 6,217,067 | 17,325,250 | 11,368,796 | 10,582,922 | 13,267,132 | 3,060,020 | 35,082,120 |
| cash and cash equivalents | |||||||||||||||
| cash | -19,032 | -244,260 | 243,102 | -1,081,805 | 585,929 | 341,933 | 92,057 | 332,244 | -8,331,098 | 614,508 | -569,613 | 5,247,854 | 1,040,752 | -3,594,755 | 5,653,627 |
| overdraft | -122,264 | -293,796 | -257,610 | -657,674 | 56,316 | 740,850 | 647,036 | -521,059 | 717,434 | ||||||
| change in cash | 103,232 | 49,536 | 500,712 | -424,131 | 529,613 | -398,917 | -554,979 | 853,303 | -9,048,532 | 614,508 | -569,613 | 5,247,854 | 1,040,752 | -3,594,755 | 5,653,627 |
bibby invoice discounting limited Credit Report and Business Information
Bibby Invoice Discounting Limited Competitor Analysis
Perform a competitor analysis for bibby invoice discounting limited by selecting its closest rivals, whether from the FINANCIAL AND INSURANCE ACTIVITIES sector, other large companies, companies in L 2 area or any other competitors across 12 key performance metrics.
bibby invoice discounting limited Ownership
BIBBY INVOICE DISCOUNTING LIMITED group structure
Bibby Invoice Discounting Limited has no subsidiary companies.
Ultimate parent company
2 parents
BIBBY INVOICE DISCOUNTING LIMITED
04105467
bibby invoice discounting limited directors
Bibby Invoice Discounting Limited currently has 5 directors. The longest serving directors include Mr Ian Downing (Nov 2000) and Mr Edward Winterton (May 2012).
| officer | country | age | start | end | role |
|---|---|---|---|---|---|
| Mr Ian Downing | United Kingdom | 66 years | Nov 2000 | - | Director |
| Mr Edward Winterton | United Kingdom | 50 years | May 2012 | - | Director |
| Mr Ian Ramsden | United Kingdom | 54 years | Aug 2018 | - | Director |
| Theovinder Chatha | United Kingdom | 44 years | Sep 2019 | - | Director |
| Theovinder Chatha | England | 44 years | Sep 2019 | - | Director |
P&L
December 2023turnover
36.8m
+38%
operating profit
30.5m
+50%
gross margin
82.9%
+8.16%
turnover
Turnover, or revenue, is the amount of sales generated by a company within the financial year.
Balance Sheet
December 2023net assets
41.1m
+0.42%
total assets
279.5m
+0.1%
cash
311.4k
-0.06%
net assets
Total assets minus all liabilities
bibby invoice discounting limited company details
company number
04105467
Type
Private limited with Share Capital
industry
64992 - Factoring
incorporation date
November 2000
age
25
incorporated
UK
ultimate parent company
accounts
Audit Exemption Subsidiary
last accounts submitted
December 2023
previous names
N/A
accountant
-
auditor
-
address
3rd floor walker house, exchange flags, liverpool, L2 3YL
Bank
BARCLAYS BANK PLC
Legal Advisor
-
bibby invoice discounting 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 14 charges/mortgages relating to bibby invoice discounting limited. Currently there are 5 open charges and 9 have been satisfied in the past.
bibby invoice discounting 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 BIBBY INVOICE DISCOUNTING LIMITED. This can take several minutes, an email will notify you when this has completed.
bibby invoice discounting limited Companies House Filings - See Documents
| date | description | view/download |
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