credit link account recovery solutions limited

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credit link account recovery solutions limited Company Information

Share CREDIT LINK ACCOUNT RECOVERY SOLUTIONS LIMITED

Company Number

04296927

Shareholders

jcia holdings llc

Group Structure

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Industry

Other business support service activities n.e.c.

 

Registered Address

5th floor midpoint, alencon link, basingstoke, RG21 7PP

credit link account recovery solutions limited Estimated Valuation

£2.1m

Pomanda estimates the enterprise value of CREDIT LINK ACCOUNT RECOVERY SOLUTIONS LIMITED at £2.1m based on a Turnover of £3.8m and 0.56x industry multiple (adjusted for size and gross margin).

credit link account recovery solutions limited Estimated Valuation

£514.6k

Pomanda estimates the enterprise value of CREDIT LINK ACCOUNT RECOVERY SOLUTIONS LIMITED at £514.6k based on an EBITDA of £128.7k and a 4x industry multiple (adjusted for size and gross margin).

credit link account recovery solutions limited Estimated Valuation

£4.3m

Pomanda estimates the enterprise value of CREDIT LINK ACCOUNT RECOVERY SOLUTIONS LIMITED at £4.3m based on Net Assets of £1.9m and 2.3x industry multiple (adjusted for liquidity).

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Credit Link Account Recovery Solutions Limited Overview

Credit Link Account Recovery Solutions Limited is a live company located in basingstoke, RG21 7PP with a Companies House number of 04296927. It operates in the other business support service activities n.e.c. sector, SIC Code 82990. Founded in October 2001, it's largest shareholder is jcia holdings llc with a 100% stake. Credit Link Account Recovery Solutions Limited is a mature, small sized company, Pomanda has estimated its turnover at £3.8m with declining growth in recent years.

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Credit Link Account Recovery Solutions Limited Health Check

Pomanda's financial health check has awarded Credit Link Account Recovery Solutions Limited a 3 rating. We use a traffic light system to show it exceeds the industry average on 4 measures and has 5 areas for improvement. Company Health Check FAQs

Health Check Image
Health Rating3out of 5
positive_score

4 Strong

positive_score

2 Regular

positive_score

5 Weak

size

Size

annual sales of £3.8m, make it smaller than the average company (£4.8m)

£3.8m - Credit Link Account Recovery Solutions Limited

£4.8m - Industry AVG

growth

Growth

3 year (CAGR) sales growth of -8%, show it is growing at a slower rate (6.7%)

-8% - Credit Link Account Recovery Solutions Limited

6.7% - Industry AVG

production

Production

with a gross margin of 31.8%, this company has a comparable cost of product (38.1%)

31.8% - Credit Link Account Recovery Solutions Limited

38.1% - Industry AVG

profitability

Profitability

an operating margin of 1.2% make it less profitable than the average company (5.7%)

1.2% - Credit Link Account Recovery Solutions Limited

5.7% - Industry AVG

employees

Employees

with 72 employees, this is above the industry average (27)

72 - Credit Link Account Recovery Solutions Limited

27 - Industry AVG

paystructure

Pay Structure

on an average salary of £25.9k, the company has a lower pay structure (£53.9k)

£25.9k - Credit Link Account Recovery Solutions Limited

£53.9k - Industry AVG

efficiency

Efficiency

resulting in sales per employee of £52.7k, this is less efficient (£171.5k)

£52.7k - Credit Link Account Recovery Solutions Limited

£171.5k - Industry AVG

debtordays

Debtor Days

it gets paid by customers after 31 days, this is earlier than average (42 days)

31 days - Credit Link Account Recovery Solutions Limited

42 days - Industry AVG

creditordays

Creditor Days

its suppliers are paid after 29 days, this is close to average (32 days)

29 days - Credit Link Account Recovery Solutions Limited

32 days - Industry AVG

stockdays

Stock Days

There is insufficient data available for this Key Performance Indicator!

- - Credit Link Account Recovery Solutions Limited

- - Industry AVG

cashbalance

Cash Balance

has cash to cover current liabilities for 5 weeks, this is less cash available to meet short term requirements (22 weeks)

5 weeks - Credit Link Account Recovery Solutions Limited

22 weeks - Industry AVG

debtlevel

Debt Level

it has a ratio of liabilities to total assets of 50.8%, this is a lower level of debt than the average (62.5%)

50.8% - Credit Link Account Recovery Solutions Limited

62.5% - Industry AVG

CREDIT LINK ACCOUNT RECOVERY SOLUTIONS LIMITED financials

EXPORTms excel logo

Credit Link Account Recovery Solutions Limited's latest turnover from December 2023 is £3.8 million and the company has net assets of £1.9 million. According to their latest financial statements, Credit Link Account Recovery Solutions Limited has 72 employees and maintains cash reserves of £156.9 thousand as reported in the balance sheet.

Data source: Companies HousePomanda Estimates

Dec 2023Dec 2022Dec 2021Dec 2020Dec 2019Dec 2018Dec 2017Dec 2016Dec 2015Dec 2014Dec 2013Dec 2012Dec 2011Dec 2010Dec 2009
Turnover3,793,2373,642,3593,608,3404,832,7805,686,2974,663,5264,716,9734,737,6943,792,0575,035,0793,833,0864,025,1583,754,5903,070,252
Other Income Or Grants
Cost Of Sales2,585,3022,043,7582,206,8623,044,0023,556,2502,932,8732,947,8692,939,9562,411,0253,248,6102,495,7962,577,7562,352,4341,877,260
Gross Profit1,207,9351,598,6011,401,4781,788,7772,130,0471,730,6531,769,1041,797,7381,381,0311,786,4691,337,2891,447,4021,402,1561,192,992
Admin Expenses1,161,3951,399,6321,315,3391,466,8981,883,5841,475,3051,464,3991,436,2561,267,3772,090,1161,018,8721,343,0611,372,7821,137,85856,594
Operating Profit46,540198,96986,139321,879246,463255,348304,705361,482113,654-303,647318,417104,34129,37455,134-56,594
Interest Payable1311,1401,8137466091,8281,219
Interest Receivable30,5585,0372011,69410,5369,4716,2762,7443,7163,1652,7972,5602,2231,493724
Pre-Tax Profit77,098204,00686,209323,573256,999264,820309,841362,413116,624-300,482321,214106,29229,76955,408-55,870
Tax-16,872-37,178-23,087-61,479-48,830-50,316-58,870-72,482-23,325-73,879-25,510-7,740-15,514
Profit After Tax60,226166,82863,122262,094208,169214,504250,971289,93093,299-300,482247,33580,78222,02939,894-55,870
Dividends Paid
Retained Profit60,226166,82863,122262,094208,169214,504250,971289,93093,299-300,482247,33580,78222,02939,894-55,870
Employee Costs1,864,0491,753,7053,322,2853,526,9224,227,9743,143,5133,271,7693,017,6522,455,4781,412,4781,068,1321,121,6781,068,973884,037
Number Of Employees7258687692717872593426282723
EBITDA*128,744198,969146,132386,231308,165319,964332,742402,684137,073-277,463347,469128,72457,09682,543-28,706

* Earnings Before Interest, Tax, Depreciation and Amortisation

Dec 2023Dec 2022Dec 2021Dec 2020Dec 2019Dec 2018Dec 2017Dec 2016Dec 2015Dec 2014Dec 2013Dec 2012Dec 2011Dec 2010Dec 2009
Tangible Assets493,792510,220125,493177,315219,958272,308324,49772,08274,55089,969100,10486,26091,172106,14697,810
Intangible Assets
Investments & Other
Debtors (Due After 1 year)
Total Fixed Assets493,792510,220125,493177,315219,958272,308324,49772,08274,55089,969100,10486,26091,172106,14697,810
Stock & work in progress
Trade Debtors328,879344,894347,625356,389348,789350,044331,702413,427251,194412,460324,778369,418276,775295,418257,348
Group Debtors188,46178,26965,22760,20250,45841,81362,58065,813
Misc Debtors117,884121,7032,109,738127,866108,398104,267114,25280,97846,873
Cash156,882405,387310,3441,891,6481,496,0581,313,4611,212,2601,298,120896,753589,683676,241442,689581,452307,771289,452
misc current assets2,500,0122,160,754
total current assets3,292,1183,111,0072,767,7072,441,1302,013,4471,818,2301,700,0271,855,1051,260,6331,002,1431,001,019812,107858,227603,189546,800
total assets3,785,9103,621,2272,893,2002,618,4452,233,4052,090,5382,024,5241,927,1871,335,1831,092,1121,101,123898,367949,399709,335644,610
Bank overdraft35,07122,95218,75018,750
Bank loan
Trade Creditors 206,34591,38945,24190,804119,193147,891109,58993,204109,3141,057,174750,393797,332910,296671,011649,640
Group/Directors Accounts17,765
other short term finances
hp & lease commitments
other current liabilities1,228,4721,303,3441,209,5491,150,066994,8421,022,9791,217,1851,362,9801,074,680
total current liabilities1,434,8171,394,7331,254,7901,240,8701,114,0351,170,8701,326,7741,509,0201,206,9461,057,174750,393797,332929,046689,761649,640
loans18,750
hp & lease commitments
Accruals and Deferred Income115,954
other liabilities462,525462,17837,500
provisions26,16213,11622,01623,67027,55936,02628,61215,31013,20013,30015,80012,340
total long term liabilities488,687475,294137,97023,67027,55936,02628,61215,31013,20013,30034,55049,840
total liabilities1,923,5041,870,0271,392,7601,264,5401,141,5941,206,8961,355,3861,509,0201,206,9461,057,174765,703810,532942,346724,311699,480
net assets1,862,4061,751,2001,500,4401,353,9051,091,811883,642669,138418,167128,23734,938335,42087,8357,053-14,976-54,870
total shareholders funds1,862,4061,751,2001,500,4401,353,9051,091,811883,642669,138418,167128,23734,938335,42087,8357,053-14,976-54,870
Dec 2023Dec 2022Dec 2021Dec 2020Dec 2019Dec 2018Dec 2017Dec 2016Dec 2015Dec 2014Dec 2013Dec 2012Dec 2011Dec 2010Dec 2009
Operating Activities
Operating Profit46,540198,96986,139321,879246,463255,348304,705361,482113,654-303,647318,417104,34129,37455,134-56,594
Depreciation82,20459,99364,35261,70264,61628,03741,20223,41926,18429,05224,38327,72227,40927,888
Amortisation
Tax-16,872-37,178-23,087-61,479-48,830-50,316-58,870-72,482-23,325-73,879-25,510-7,740-15,514
Stock
Debtors90,358-1,912,4971,907,88132,09312,62017,002-69,218193,105-48,58087,682-44,64092,643-18,64338,070257,348
Creditors114,95646,148-45,563-28,389-28,69838,30216,385-16,110-947,860306,781-46,939-112,964239,28521,371649,640
Accruals and Deferred Income-74,872-22,159175,437155,224-28,137-194,206-145,795288,3001,074,680
Deferred Taxes & Provisions13,046-8,900-1,654-3,889-8,4677,41428,612-15,3102,110-100-2,5003,46012,340
Cash flow from operations74,6442,089,377-1,656,616415,605181,413104,156242,292409,287289,148-73,674273,401-102,493304,78453,790375,926
Investing Activities
capital expenditure-65,776-384,727-8,171-21,709-9,352-12,427-280,452-38,734-8,000-16,049-42,896-19,471-12,748-35,745-125,698
Change in Investments
cash flow from investments-65,776-384,727-8,171-21,709-9,352-12,427-280,452-38,734-8,000-16,049-42,896-19,471-12,748-35,745-125,698
Financing Activities
Bank loans
Group/Directors Accounts-17,76517,765
Other Short Term Loans
Long term loans-18,75018,750
Hire Purchase and Lease Commitments
other long term liabilities347462,178-37,50037,500
share issue50,98083,93283,4132501,000
interest30,5585,037701,69410,5369,4715,1369312,9703,1652,7971,951395274724
cash flow from financing81,885551,14783,4831,69410,5369,471-12,62918,6962,9703,1653,0471,951-18,355-18,47639,224
cash and cash equivalents
cash-248,50595,043-1,581,304395,590182,597101,201-85,860401,367307,070-86,558233,552-138,763273,68118,319289,452
overdraft-35,07112,11922,952-18,75018,750
change in cash-248,50595,043-1,581,304395,590182,597101,201-50,789389,248284,118-86,558233,552-120,013273,681-431289,452

credit link account recovery solutions limited Credit Report and Business Information

Very Low Risk70 - 100
Low Risk50 - 70
Moderate Risk30 - 50
High Risk20 - 30
Very High Risk0 - 20
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Credit Link Account Recovery Solutions Limited Competitor Analysis

competitor_analysis_table_img

Perform a competitor analysis for credit link account recovery solutions limited by selecting its closest rivals, whether from the ADMINISTRATIVE AND SUPPORT SERVICE ACTIVITIES sector, other small companies, companies in RG21 area or any other competitors across 12 key performance metrics.

credit link account recovery solutions limited Ownership

CREDIT LINK ACCOUNT RECOVERY SOLUTIONS LIMITED group structure

Credit Link Account Recovery Solutions Limited has no subsidiary companies.

Ultimate parent company

JCIA HOLDINGS LLC

#0081350

1 parent

CREDIT LINK ACCOUNT RECOVERY SOLUTIONS LIMITED

04296927

CREDIT LINK ACCOUNT RECOVERY SOLUTIONS LIMITED Shareholders

jcia holdings llc 100%

credit link account recovery solutions limited directors

Credit Link Account Recovery Solutions Limited currently has 2 directors. The longest serving directors include Mr Peter Copperwheat (Apr 2004) and Ms Anne McVicker (Nov 2024).

officercountryagestartendrole
Mr Peter CopperwheatUnited Kingdom53 years Apr 2004- Director
Ms Anne McVickerUnited Kingdom46 years Nov 2024- Director

P&L

December 2023

turnover

3.8m

+4%

operating profit

46.5k

-77%

gross margin

31.9%

-27.44%

turnover

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

Balance Sheet

December 2023

net assets

1.9m

+0.06%

total assets

3.8m

+0.05%

cash

156.9k

-0.61%

net assets

Total assets minus all liabilities

credit link account recovery solutions limited company details

company number

04296927

Type

Private limited with Share Capital

industry

82990 - Other business support service activities n.e.c.

incorporation date

October 2001

age

24

incorporated

UK

ultimate parent company

JCIA HOLDINGS LLC

accounts

Full Accounts

last accounts submitted

December 2023

previous names

ziyal media limited (November 2001)

accountant

-

auditor

DELOITTE LLP

address

5th floor midpoint, alencon link, basingstoke, RG21 7PP

Bank

-

Legal Advisor

-

credit link account recovery solutions 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 2 charges/mortgages relating to credit link account recovery solutions limited. Currently there are 1 open charges and 1 have been satisfied in the past.

credit link account recovery solutions 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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credit link account recovery solutions limited Companies House Filings - See Documents

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