Pomanda estimates the enterprise value of UNITED NATIONAL BANK LIMITED at £98.3m based on a Turnover of £45.1m and 2.18x industry multiple (adjusted for size and gross margin).
united national bank limitedEstimated Valuation
£61.1m
Pomanda estimates the enterprise value of UNITED NATIONAL BANK LIMITED at £61.1m based on an EBITDA of £7.3m and a 8.36x industry multiple (adjusted for size and gross margin).
united national bank limitedEstimated Valuation
£408.9m
Pomanda estimates the enterprise value of UNITED NATIONAL BANK LIMITED at £408.9m based on Net Assets of £92.2m and 4.44x industry multiple (adjusted for liquidity).
Edit your figures and get a professional valuation report.
United National Bank LimitedOverview
United National Bank Limited is a live company located in london, W1S 1BQ with a Companies House number of 04146820. It operates in the banks sector, SIC Code 64191. Founded in January 2001, it's largest shareholder is
bestway group fs limited
with a 95.1% stake. United National Bank Limited is a mature,
large sized company, Pomanda has estimated its turnover at
£45.1m with
high
growth in recent years.
Pomanda's financial health check has awarded United National Bank Limited a 3.5 rating. We use a traffic light system to show it exceeds the industry average on 3 measures and has 5 areas for improvement. Company Health Check FAQs
Health Rating3.5out of 5
3 Strong
3 Regular
5 Weak
Size
annual sales of £45.1m, make it smaller than the average company (£62.9m)
£45.1m - United National Bank Limited
£62.9m - Industry AVG
Growth
3 year (CAGR) sales growth of 29%, show it is growing at a faster rate (17.2%)
29% - United National Bank Limited
17.2% - Industry AVG
Production
with a gross margin of 64.9%, this company has a comparable cost of product (64.9%)
64.9% - United National Bank Limited
64.9% - Industry AVG
Profitability
an operating margin of 15.3% make it as profitable than the average company (13.1%)
15.3% - United National Bank Limited
13.1% - Industry AVG
Employees
with 73 employees, this is below the industry average (140)
73 - United National Bank Limited
140 - Industry AVG
Pay Structure
on an average salary of £171.9k, the company has a higher pay structure (£98.6k)
£171.9k - United National Bank Limited
£98.6k - Industry AVG
Efficiency
resulting in sales per employee of £618.1k, this is more efficient (£381.3k)
£618.1k - United National Bank Limited
£381.3k - Industry AVG
Debtor Days
it gets paid by customers after 7046 days, this is later than average (5175 days)
7046 days - United National Bank Limited
5175 days - Industry AVG
Creditor Days
its suppliers are paid after 18385 days, this is slower than average (86 days)
18385 days - United National Bank Limited
86 days - Industry AVG
Stock Days
There is insufficient data available for this Key Performance Indicator!
- - United National Bank Limited
- - Industry AVG
Cash Balance
has cash to cover current liabilities
for 0 weeks, this is less cash available to meet short term requirements (11 weeks)
0 weeks - United National Bank Limited
11 weeks - Industry AVG
Debt Level
it has a ratio of liabilities to total assets of 90%, this is a similar level of debt than the average (90.1%)
90% - United National Bank Limited
90.1% - Industry AVG
UNITED NATIONAL BANK LIMITED financials
EXPORT
United National Bank Limited's latest turnover from December 2023 is £45.1 million and the company has net assets of £92.2 million. According to their latest financial statements, United National Bank Limited has 73 employees and maintains cash reserves of £9.7 million 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
45,124,515
35,768,474
23,704,713
21,033,317
20,089,519
23,004,156
28,457,426
29,958,791
30,048,102
22,283,233
27,049,372
18,284,410
9,087,846
7,079,859
7,452,982
Other Income Or Grants
Cost Of Sales
15,829,942
8,558,576
5,880,285
6,009,519
5,975,201
6,538,970
9,408,802
13,330,972
16,906,565
14,394,871
13,876,666
9,093,176
6,132,912
3,014,627
Gross Profit
29,294,573
27,209,898
17,824,428
15,023,798
14,114,318
16,465,186
19,048,624
16,627,819
13,141,537
7,888,362
13,172,706
9,191,234
2,954,934
4,065,232
Admin Expenses
22,383,345
21,913,587
14,598,742
15,023,798
14,114,318
21,881,546
20,198,573
11,271,490
-1,365,413
7,888,362
5,086,373
7,462,293
2,873,924
4,562,682
-28,061
Operating Profit
6,911,228
5,296,311
3,225,686
-5,416,360
-1,149,949
5,356,329
14,506,950
8,086,333
1,728,941
81,010
-497,450
28,061
Interest Payable
65,486
65,486
Interest Receivable
431,259
706,975
106,400
53,913
366,395
354,435
321,481
139,453
182,322
126,474
57,751
35,333
19,997
18,858
11,050
Pre-Tax Profit
6,911,228
5,296,311
3,225,686
-2,378,560
-1,009,163
-3,778,732
710,882
7,400,449
9,604,743
4,959,723
6,220,521
1,340,848
74,745
-178,592
28,160
Tax
1,689,239
-754,543
-307,680
183,161
293,640
-1,283,193
-1,539,350
-3,003,823
2,146,674
-52,814
-300,000
Profit After Tax
8,600,467
4,541,768
2,918,006
-2,195,399
-715,523
-5,061,925
-828,468
4,396,626
11,751,417
4,906,909
6,220,521
1,340,848
74,745
-478,592
28,160
Dividends Paid
1,015,000
2,200,000
2,500,000
1,500,000
Retained Profit
8,600,467
3,526,768
2,918,006
-2,195,399
-715,523
-5,061,925
-3,028,468
1,896,626
10,251,417
4,906,909
6,220,521
1,340,848
74,745
-478,592
28,160
Employee Costs
12,549,595
12,752,766
12,688,136
11,839,897
11,671,392
7,344,371
7,624,762
7,125,315
9,748,140
7,718,802
5,416,357
4,122,471
3,850,544
3,365,221
3,635,469
Number Of Employees
73
87
102
100
99
108
119
111
99
91
84
80
78
72
70
EBITDA*
7,303,214
5,733,168
3,659,032
269,910
445,229
-4,916,514
-1,149,949
5,356,329
14,506,950
8,086,333
1,728,941
81,010
-497,450
28,061
* 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
31,378,691
30,569,826
31,301,037
27,692,846
26,838,498
27,917,526
25,586,951
25,851,880
110,330,619
107,087,192
22,101,695
61,478,230
67,562,766
57,015,878
15,803,892
Intangible Assets
157,144
254,630
538,802
638,479
468,847
485,176
587,124
656,451
487,526
589,158
Investments & Other
Debtors (Due After 1 year)
Total Fixed Assets
31,535,835
30,824,456
31,839,839
28,331,325
27,307,345
28,402,702
26,174,075
26,508,331
110,818,145
107,676,350
22,101,695
61,478,230
67,562,766
57,015,878
15,803,892
Stock & work in progress
Trade Debtors
871,149,674
763,732,004
600,854,646
523,303,509
425,124,674
424,467,517
437,526,167
415,805,289
309,209,619
246,524,918
342,146,213
321,393,820
135,321,245
97,977,550
106,987,014
Group Debtors
Misc Debtors
Cash
9,725,415
6,703,512
33,695,043
51,425,237
56,401,421
41,303,910
53,211,996
75,380,334
36,182,195
36,746,476
13,843,168
9,257,367
4,875,755
3,123,042
4,420,040
misc current assets
1,140,078
772,017
827,884
546,073
389,754
434,839
293,327
643,737
874,583
658,544
300,092
660,644
544,836
228,625
150,600
total current assets
888,397,677
773,114,121
636,881,031
577,831,197
483,742,268
469,583,346
495,888,152
495,754,200
352,285,641
285,651,995
357,376,399
332,669,541
141,450,154
102,021,444
112,075,051
total assets
919,933,512
803,938,577
668,720,870
606,162,522
511,049,613
497,986,048
522,062,227
522,262,531
463,103,786
393,328,345
379,478,094
394,147,771
209,012,920
159,037,322
127,878,943
Bank overdraft
Bank loan
Trade Creditors
797,380,397
721,691,326
577,284,906
520,887,707
407,894,521
409,618,305
437,899,618
129,313,552
196,523,478
172,171,706
327,135,342
303,599,398
143,006,929
112,751,383
84,415,476
Group/Directors Accounts
other short term finances
2,014,948
hp & lease commitments
other current liabilities
total current liabilities
820,199,376
724,444,132
583,418,725
526,128,878
430,250,174
424,197,348
437,899,618
146,203,871
204,779,596
178,659,077
334,191,389
309,539,839
145,067,154
115,197,925
87,835,427
loans
hp & lease commitments
Accruals and Deferred Income
other liabilities
provisions
total long term liabilities
7,577,361
4,881,234
5,220,425
3,921,161
3,006,943
3,181,730
296,535,983
183,241,413
151,062,113
35,824,786
18,980,069
536,489
total liabilities
827,776,737
729,325,366
588,639,150
530,050,039
433,257,117
427,379,078
437,899,618
442,739,854
388,021,009
329,721,190
334,191,389
345,364,625
164,047,223
115,734,414
87,835,427
net assets
92,156,775
74,613,211
80,081,720
76,112,483
77,792,496
70,606,970
84,162,609
79,522,677
75,082,777
63,607,155
45,286,705
48,783,146
44,965,697
43,302,908
40,043,516
total shareholders funds
92,156,775
74,613,211
80,081,720
76,112,483
77,792,496
70,606,970
84,162,609
79,522,677
75,082,777
63,607,155
45,286,705
48,783,146
44,965,697
43,302,908
40,043,516
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
6,911,228
5,296,311
3,225,686
-5,416,360
-1,149,949
5,356,329
14,506,950
8,086,333
1,728,941
81,010
-497,450
28,061
Depreciation
391,986
436,857
433,346
269,910
445,229
499,846
Amortisation
Tax
1,689,239
-754,543
-307,680
183,161
293,640
-1,283,193
-1,539,350
-3,003,823
2,146,674
-52,814
-300,000
Stock
Debtors
107,417,670
162,877,358
77,551,137
98,178,835
657,157
-13,058,650
21,720,878
106,595,670
62,684,701
-95,621,295
20,752,393
186,072,575
37,343,695
-9,009,464
106,987,014
Creditors
75,689,071
144,406,420
56,397,199
112,993,186
-1,723,784
-28,281,313
308,586,066
-67,209,926
24,351,772
-154,963,636
23,535,944
160,592,469
30,255,546
28,335,907
84,415,476
Accruals and Deferred Income
Deferred Taxes & Provisions
Cash flow from operations
-22,736,146
-13,492,313
-17,802,586
15,267,422
-1,642,072
-21,422,370
284,175,889
-171,453,090
-21,679,305
-59,395,155
10,869,884
-23,751,165
-7,007,139
36,547,921
-22,543,477
Investing Activities
capital expenditure
-1,103,365
578,526
-3,941,860
-1,293,890
650,128
-2,728,473
334,256
84,309,814
-3,141,795
-85,574,655
39,376,535
6,084,536
-10,546,888
-41,211,986
-15,803,892
Change in Investments
cash flow from investments
-1,103,365
578,526
-3,941,860
-1,293,890
650,128
-2,728,473
334,256
84,309,814
-3,141,795
-85,574,655
39,376,535
6,084,536
-10,546,888
-41,211,986
-15,803,892
Financing Activities
Bank loans
Group/Directors Accounts
Other Short Term Loans
-2,014,948
2,014,948
Long term loans
Hire Purchase and Lease Commitments
other long term liabilities
share issue
8,943,097
-8,995,277
1,051,231
515,386
7,901,049
-8,493,714
7,668,400
2,543,274
1,224,205
13,413,541
-9,716,962
2,476,601
1,588,044
3,737,984
40,015,356
interest
431,259
706,975
106,400
53,913
366,395
354,435
321,481
139,453
182,322
60,988
-7,735
35,333
19,997
18,858
11,050
cash flow from financing
9,374,356
-8,288,302
1,157,631
569,299
8,267,444
-8,139,279
7,989,881
2,682,727
1,406,527
11,459,581
-7,709,749
2,511,934
1,608,041
3,756,842
40,026,406
cash and cash equivalents
cash
3,021,903
-26,991,531
-17,730,194
-4,976,184
15,097,511
-11,908,086
-22,168,338
39,198,139
-564,281
22,903,308
4,585,801
4,381,612
1,752,713
-1,296,998
4,420,040
overdraft
change in cash
3,021,903
-26,991,531
-17,730,194
-4,976,184
15,097,511
-11,908,086
-22,168,338
39,198,139
-564,281
22,903,308
4,585,801
4,381,612
1,752,713
-1,296,998
4,420,040
united national bank 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 united national bank limited. Get real-time insights into united national bank limited's credit score, group structure and payment trends.
Perform a competitor analysis for united national bank limited by selecting its closest rivals, whether from the FINANCIAL AND INSURANCE ACTIVITIES sector, other large companies, companies in W1S area or any other competitors across 12 key performance metrics.
united national bank limited Ownership
UNITED NATIONAL BANK LIMITED group structure
United National Bank Limited has no subsidiary companies.
Ultimate parent company
BESTWAY GROUP FS LTD
#0027056
1 parent
UNITED NATIONAL BANK LIMITED
04146820
UNITED NATIONAL BANK LIMITED Shareholders
The largest shareholders in United National Bank Limited include Bestway Group Fs Limited and United Bank Ltd.
bestway group fs limited
95.1%
united bank ltd
4.9%
united national bank limited directors
United National Bank Limited currently has 6 directors.
The longest serving directors include
Mr Brian Firth (Sep 2018) and
Mr Ashraf Wathra (May 2023).
pakistan international bank (uk) limited (October 2002)
pureasset limited (October 2001)
accountant
-
auditor
MAZARS LLP
address
2 brook street, london, W1S 1BQ
Bank
-
Legal Advisor
-
united national bank 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 united national bank limited.
united national bank 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 UNITED NATIONAL BANK LIMITED. This can take several minutes, an email will notify you when this has completed.
united national bank limitedCompanies House Filings - See Documents
