credit link account recovery solutions limited Company Information
Company Number
04296927
Next Accounts
Sep 2025
Shareholders
jcia holdings llc
Group Structure
View All
Industry
Other business support service activities n.e.c.
Registered Address
5th floor midpoint, alencon link, basingstoke, RG21 7PP
Website
http://carsuk.orgcredit link account recovery solutions limited Estimated Valuation
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
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
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


4 Strong

2 Regular

5 Weak

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
3 year (CAGR) sales growth of -8%, show it is growing at a slower rate (6.7%)
- Credit Link Account Recovery Solutions Limited
6.7% - Industry AVG

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
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
with 72 employees, this is above the industry average (27)
72 - Credit Link Account Recovery Solutions Limited
27 - Industry AVG

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
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

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

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

Stock Days
There is insufficient data available for this Key Performance Indicator!
- - Credit Link Account Recovery Solutions Limited
- - Industry AVG

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

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

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 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 | 3,793,237 | 3,642,359 | 3,608,340 | ||||||||||||
Other Income Or Grants | |||||||||||||||
Cost Of Sales | 2,585,302 | 2,043,758 | 2,206,862 | ||||||||||||
Gross Profit | 1,207,935 | 1,598,601 | 1,401,478 | ||||||||||||
Admin Expenses | 1,161,395 | 1,399,632 | 1,315,339 | ||||||||||||
Operating Profit | 46,540 | 198,969 | 86,139 | ||||||||||||
Interest Payable | 131 | ||||||||||||||
Interest Receivable | 30,558 | 5,037 | 201 | ||||||||||||
Pre-Tax Profit | 77,098 | 204,006 | 86,209 | ||||||||||||
Tax | -16,872 | -37,178 | -23,087 | ||||||||||||
Profit After Tax | 60,226 | 166,828 | 63,122 | ||||||||||||
Dividends Paid | |||||||||||||||
Retained Profit | 60,226 | 166,828 | 63,122 | ||||||||||||
Employee Costs | 1,864,049 | 1,753,705 | |||||||||||||
Number Of Employees | 72 | 58 | 68 | 76 | 92 | 71 | 78 | 72 | 59 | ||||||
EBITDA* | 128,744 | 198,969 | 146,132 |
* 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 | 493,792 | 510,220 | 125,493 | 177,315 | 219,958 | 272,308 | 324,497 | 72,082 | 74,550 | 89,969 | 100,104 | 86,260 | 91,172 | 106,146 | 97,810 |
Intangible Assets | |||||||||||||||
Investments & Other | |||||||||||||||
Debtors (Due After 1 year) | |||||||||||||||
Total Fixed Assets | 493,792 | 510,220 | 125,493 | 177,315 | 219,958 | 272,308 | 324,497 | 72,082 | 74,550 | 89,969 | 100,104 | 86,260 | 91,172 | 106,146 | 97,810 |
Stock & work in progress | |||||||||||||||
Trade Debtors | 328,879 | 344,894 | 347,625 | 356,389 | 348,789 | 350,044 | 331,702 | 413,427 | 251,194 | 412,460 | 324,778 | 369,418 | 276,775 | 295,418 | 257,348 |
Group Debtors | 188,461 | 78,269 | 65,227 | 60,202 | 50,458 | 41,813 | 62,580 | 65,813 | |||||||
Misc Debtors | 117,884 | 121,703 | 2,109,738 | 127,866 | 108,398 | 104,267 | 114,252 | 80,978 | 46,873 | ||||||
Cash | 156,882 | 405,387 | 310,344 | 1,891,648 | 1,496,058 | 1,313,461 | 1,212,260 | 1,298,120 | 896,753 | 589,683 | 676,241 | 442,689 | 581,452 | 307,771 | 289,452 |
misc current assets | 2,500,012 | 2,160,754 | |||||||||||||
total current assets | 3,292,118 | 3,111,007 | 2,767,707 | 2,441,130 | 2,013,447 | 1,818,230 | 1,700,027 | 1,855,105 | 1,260,633 | 1,002,143 | 1,001,019 | 812,107 | 858,227 | 603,189 | 546,800 |
total assets | 3,785,910 | 3,621,227 | 2,893,200 | 2,618,445 | 2,233,405 | 2,090,538 | 2,024,524 | 1,927,187 | 1,335,183 | 1,092,112 | 1,101,123 | 898,367 | 949,399 | 709,335 | 644,610 |
Bank overdraft | 35,071 | 22,952 | 18,750 | 18,750 | |||||||||||
Bank loan | |||||||||||||||
Trade Creditors | 206,345 | 91,389 | 45,241 | 90,804 | 119,193 | 147,891 | 109,589 | 93,204 | 109,314 | 1,057,174 | 750,393 | 797,332 | 910,296 | 671,011 | 649,640 |
Group/Directors Accounts | 17,765 | ||||||||||||||
other short term finances | |||||||||||||||
hp & lease commitments | |||||||||||||||
other current liabilities | 1,228,472 | 1,303,344 | 1,209,549 | 1,150,066 | 994,842 | 1,022,979 | 1,217,185 | 1,362,980 | 1,074,680 | ||||||
total current liabilities | 1,434,817 | 1,394,733 | 1,254,790 | 1,240,870 | 1,114,035 | 1,170,870 | 1,326,774 | 1,509,020 | 1,206,946 | 1,057,174 | 750,393 | 797,332 | 929,046 | 689,761 | 649,640 |
loans | 18,750 | ||||||||||||||
hp & lease commitments | |||||||||||||||
Accruals and Deferred Income | 115,954 | ||||||||||||||
other liabilities | 462,525 | 462,178 | 37,500 | ||||||||||||
provisions | 26,162 | 13,116 | 22,016 | 23,670 | 27,559 | 36,026 | 28,612 | 15,310 | 13,200 | 13,300 | 15,800 | 12,340 | |||
total long term liabilities | 488,687 | 475,294 | 137,970 | 23,670 | 27,559 | 36,026 | 28,612 | 15,310 | 13,200 | 13,300 | 34,550 | 49,840 | |||
total liabilities | 1,923,504 | 1,870,027 | 1,392,760 | 1,264,540 | 1,141,594 | 1,206,896 | 1,355,386 | 1,509,020 | 1,206,946 | 1,057,174 | 765,703 | 810,532 | 942,346 | 724,311 | 699,480 |
net assets | 1,862,406 | 1,751,200 | 1,500,440 | 1,353,905 | 1,091,811 | 883,642 | 669,138 | 418,167 | 128,237 | 34,938 | 335,420 | 87,835 | 7,053 | -14,976 | -54,870 |
total shareholders funds | 1,862,406 | 1,751,200 | 1,500,440 | 1,353,905 | 1,091,811 | 883,642 | 669,138 | 418,167 | 128,237 | 34,938 | 335,420 | 87,835 | 7,053 | -14,976 | -54,870 |
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 | 46,540 | 198,969 | 86,139 | ||||||||||||
Depreciation | 82,204 | 59,993 | 64,352 | 61,702 | 64,616 | 28,037 | 41,202 | 23,419 | 26,184 | 29,052 | 24,383 | 27,722 | 27,409 | 27,888 | |
Amortisation | |||||||||||||||
Tax | -16,872 | -37,178 | -23,087 | ||||||||||||
Stock | |||||||||||||||
Debtors | 90,358 | -1,912,497 | 1,907,881 | 32,093 | 12,620 | 17,002 | -69,218 | 193,105 | -48,580 | 87,682 | -44,640 | 92,643 | -18,643 | 38,070 | 257,348 |
Creditors | 114,956 | 46,148 | -45,563 | -28,389 | -28,698 | 38,302 | 16,385 | -16,110 | -947,860 | 306,781 | -46,939 | -112,964 | 239,285 | 21,371 | 649,640 |
Accruals and Deferred Income | -74,872 | -22,159 | 175,437 | 155,224 | -28,137 | -194,206 | -145,795 | 288,300 | 1,074,680 | ||||||
Deferred Taxes & Provisions | 13,046 | -8,900 | -1,654 | -3,889 | -8,467 | 7,414 | 28,612 | -15,310 | 2,110 | -100 | -2,500 | 3,460 | 12,340 | ||
Cash flow from operations | 74,644 | 2,089,377 | -1,656,616 | ||||||||||||
Investing Activities | |||||||||||||||
capital expenditure | |||||||||||||||
Change in Investments | |||||||||||||||
cash flow from investments | |||||||||||||||
Financing Activities | |||||||||||||||
Bank loans | |||||||||||||||
Group/Directors Accounts | -17,765 | 17,765 | |||||||||||||
Other Short Term Loans | |||||||||||||||
Long term loans | -18,750 | 18,750 | |||||||||||||
Hire Purchase and Lease Commitments | |||||||||||||||
other long term liabilities | 347 | 462,178 | -37,500 | 37,500 | |||||||||||
share issue | |||||||||||||||
interest | 30,558 | 5,037 | 70 | ||||||||||||
cash flow from financing | 81,885 | 551,147 | 83,483 | ||||||||||||
cash and cash equivalents | |||||||||||||||
cash | -248,505 | 95,043 | -1,581,304 | 395,590 | 182,597 | 101,201 | -85,860 | 401,367 | 307,070 | -86,558 | 233,552 | -138,763 | 273,681 | 18,319 | 289,452 |
overdraft | -35,071 | 12,119 | 22,952 | -18,750 | 18,750 | ||||||||||
change in cash | -248,505 | 95,043 | -1,581,304 | 395,590 | 182,597 | 101,201 | -50,789 | 389,248 | 284,118 | -86,558 | 233,552 | -120,013 | 273,681 | -431 | 289,452 |
credit link account recovery solutions limited Credit Report and Business Information
Credit Link Account Recovery Solutions Limited Competitor Analysis

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 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).
officer | country | age | start | end | role |
---|---|---|---|---|---|
Mr Peter Copperwheat | United Kingdom | 53 years | Apr 2004 | - | Director |
Ms Anne McVicker | United Kingdom | 46 years | Nov 2024 | - | Director |
P&L
December 2023turnover
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 2023net 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
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.
Click to start generating capital raising & share issue transactions for CREDIT LINK ACCOUNT RECOVERY SOLUTIONS LIMITED. This can take several minutes, an email will notify you when this has completed.
credit link account recovery solutions limited Companies House Filings - See Documents
date | description | view/download |
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