just a bank limited
just a bank limited Company Information
Company Number
04487481
Next Accounts
Sep 2025
Shareholders
totemic (2014) holdings ltd
Group Structure
View All
Industry
Other business support service activities n.e.c.
Registered Address
kempton house kempton way, dysart road, grantham, NG31 7LE
Website
www.justabank.co.ukjust a bank limited Estimated Valuation
Pomanda estimates the enterprise value of JUST A BANK LIMITED at £135.7k based on a Turnover of £176.1k and 0.77x industry multiple (adjusted for size and gross margin).
just a bank limited Estimated Valuation
Pomanda estimates the enterprise value of JUST A BANK LIMITED at £0 based on an EBITDA of £-276.5k and a 5.48x industry multiple (adjusted for size and gross margin).
just a bank limited Estimated Valuation
Pomanda estimates the enterprise value of JUST A BANK LIMITED at £0 based on Net Assets of £-10.1m and 2.37x industry multiple (adjusted for liquidity).
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Just A Bank Limited Overview
Just A Bank Limited is a live company located in grantham, NG31 7LE with a Companies House number of 04487481. It operates in the other business support service activities n.e.c. sector, SIC Code 82990. Founded in July 2002, it's largest shareholder is totemic (2014) holdings ltd with a 100% stake. Just A Bank Limited is a mature, micro sized company, Pomanda has estimated its turnover at £176.1k with declining growth in recent years.
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Just A Bank Limited Health Check
Pomanda's financial health check has awarded Just A Bank Limited a 1.5 rating. We use a traffic light system to show it exceeds the industry average on 2 measures and has 8 areas for improvement. Company Health Check FAQs
2 Strong
1 Regular
8 Weak
Size
annual sales of £176.1k, make it smaller than the average company (£4.8m)
£176.1k - Just A Bank Limited
£4.8m - Industry AVG
Growth
3 year (CAGR) sales growth of -9%, show it is growing at a slower rate (6.7%)
-9% - Just A Bank Limited
6.7% - Industry AVG
Production
with a gross margin of 70.9%, this company has a lower cost of product (38.2%)
70.9% - Just A Bank Limited
38.2% - Industry AVG
Profitability
an operating margin of -157% make it less profitable than the average company (5.7%)
-157% - Just A Bank Limited
5.7% - Industry AVG
Employees
with 2 employees, this is below the industry average (27)
- Just A Bank Limited
27 - Industry AVG
Pay Structure
on an average salary of £54k, the company has an equivalent pay structure (£54k)
- Just A Bank Limited
£54k - Industry AVG
Efficiency
resulting in sales per employee of £88k, this is less efficient (£171.4k)
- Just A Bank Limited
£171.4k - Industry AVG
Debtor Days
it gets paid by customers after 1824 days, this is later than average (41 days)
1824 days - Just A Bank Limited
41 days - Industry AVG
Creditor Days
its suppliers are paid after 31363 days, this is slower than average (32 days)
31363 days - Just A Bank Limited
32 days - Industry AVG
Stock Days
There is insufficient data available for this Key Performance Indicator!
- - Just A 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 (22 weeks)
0 weeks - Just A Bank Limited
22 weeks - Industry AVG
Debt Level
it has a ratio of liabilities to total assets of 187%, this is a higher level of debt than the average (62.5%)
187% - Just A Bank Limited
62.5% - Industry AVG
JUST A BANK LIMITED financials
Just A Bank Limited's latest turnover from December 2023 is £176.1 thousand and the company has net assets of -£10.1 million. According to their latest financial statements, we estimate that Just A Bank Limited has 2 employees and maintains cash reserves of £1.2 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 | 176,068 | 207,944 | 226,180 | 235,109 | 1,160,105 | 1,376,698 | 1,243,593 | 1,548,957 | 1,147,276 | 1,060,526 | 90,711 | ||||
| Other Income Or Grants | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | ||||
| Cost Of Sales | 51,257 | 120,436 | 218,930 | 309,162 | 894,586 | 954,643 | 1,031,103 | 1,118,246 | 999,672 | 788,675 | 67,871 | ||||
| Gross Profit | 124,811 | 87,508 | 7,250 | -74,053 | 265,519 | 422,055 | 212,490 | 430,711 | 147,604 | 271,851 | 22,840 | ||||
| Admin Expenses | 401,330 | 238,754 | 1,823,883 | 2,162,440 | -554 | 115,549 | 9,398,596 | 16,955 | 440,605 | 43,193 | 313 | ||||
| Operating Profit | -276,519 | -151,246 | -1,816,633 | -2,236,493 | 266,073 | 306,506 | -9,186,106 | 413,756 | -293,001 | 228,658 | 22,527 | ||||
| Interest Payable | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | ||||
| Interest Receivable | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | ||||
| Pre-Tax Profit | -276,519 | 2,525,275 | -1,816,633 | -2,236,493 | 266,073 | 306,506 | -9,186,106 | 413,756 | -293,001 | 228,658 | 22,527 | ||||
| Tax | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 39,955 | 0 | -40,955 | -5,181 | ||||
| Profit After Tax | -276,519 | 2,525,275 | -1,816,633 | -2,236,493 | 266,073 | 306,506 | -9,186,106 | 453,711 | -293,001 | 187,703 | 17,346 | ||||
| Dividends Paid | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | ||||
| Retained Profit | -276,519 | 2,525,275 | -1,816,633 | -2,236,493 | 266,073 | 306,506 | -9,186,106 | 453,711 | -293,001 | 187,703 | 17,346 | ||||
| Employee Costs | 0 | 0 | 0 | 0 | 0 | 4,241 | 0 | ||||||||
| Number Of Employees | |||||||||||||||
| EBITDA* | -276,519 | -151,246 | -1,816,633 | -2,236,493 | 266,073 | 306,506 | -9,186,106 | 413,756 | -293,001 | 228,658 | 22,527 |
* 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 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 |
| Intangible Assets | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 |
| Investments & Other | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 |
| Debtors (Due After 1 year) | 24,309 | 37,291 | 5,302,488 | 6,709,687 | 6,947,447 | 9,139,467 | 9,169,115 | 9,222,241 | 0 | 0 | 0 | 0 | 0 | 0 | 0 |
| Total Fixed Assets | 24,309 | 37,291 | 5,302,488 | 6,709,687 | 6,947,447 | 9,139,467 | 9,169,115 | 9,222,241 | 0 | 0 | 0 | 0 | 0 | 0 | 0 |
| Stock & work in progress | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 |
| Trade Debtors | 880,197 | 1,032,999 | 805,559 | 870,171 | 1,083,518 | 2,131,929 | 3,697,375 | 2,509,740 | 4,792,174 | 5,377,311 | 4,320,078 | 0 | 0 | 0 | 0 |
| Group Debtors | 10,384,540 | 13,024,446 | 11,089,846 | 12,428,785 | 14,164,226 | 11,864,099 | 10,982,368 | 18,788,333 | 19,239,569 | 16,300,678 | 9,215,015 | 0 | 0 | 0 | 0 |
| Misc Debtors | 267,560 | 379,603 | 434,442 | 391,314 | 25,000 | 39,049 | 6,774 | 50,650 | 2,500 | 155 | 348 | 0 | 0 | 0 | 0 |
| Cash | 1,175 | 2,719 | 12,988 | 36,828 | 4,213 | 67,523 | 20,524 | 373,728 | 542,271 | 108,573 | 368,097 | 0 | 0 | 0 | 0 |
| misc current assets | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 |
| total current assets | 11,533,472 | 14,439,767 | 12,342,835 | 13,727,098 | 15,276,957 | 14,102,600 | 14,707,041 | 21,722,451 | 24,576,514 | 21,786,717 | 13,903,538 | 0 | 0 | 0 | 0 |
| total assets | 11,557,781 | 14,477,058 | 17,645,323 | 20,436,785 | 22,224,404 | 23,242,067 | 23,876,156 | 30,944,692 | 24,576,514 | 21,786,717 | 13,903,538 | 0 | 0 | 0 | 0 |
| Bank overdraft | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 |
| Bank loan | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 |
| Trade Creditors | 4,404,347 | 7,382,217 | 7,829,249 | 8,266,640 | 9,729,767 | 10,886,664 | 10,882,982 | 17,837,470 | 12,018,345 | 12,033,308 | 5,457,048 | 0 | 0 | 0 | 0 |
| Group/Directors Accounts | 16,793,237 | 16,416,276 | 21,714,179 | 22,543,568 | 20,598,656 | 20,792,397 | 20,760,832 | 11,046,423 | 11,661,701 | 9,505,301 | 8,423,628 | 0 | 0 | 0 | 0 |
| other short term finances | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 |
| hp & lease commitments | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 |
| other current liabilities | 412,035 | 453,884 | 402,489 | 110,538 | 15,715 | 76,547 | 118,628 | 144,171 | 50,787 | 42,759 | 5,216 | 0 | 0 | 0 | 0 |
| total current liabilities | 21,609,619 | 24,252,377 | 29,945,917 | 30,920,746 | 30,344,138 | 31,755,608 | 31,762,442 | 29,028,064 | 23,730,833 | 21,581,368 | 13,885,892 | 0 | 0 | 0 | 0 |
| loans | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 |
| hp & lease commitments | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 |
| Accruals and Deferred Income | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 |
| other liabilities | 0 | 0 | 0 | 0 | 127,734 | 0 | 933,761 | 1,550,569 | 933,333 | 0 | 0 | 0 | 0 | 0 | 0 |
| provisions | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 |
| total long term liabilities | 0 | 0 | 0 | 0 | 127,734 | 0 | 933,761 | 1,550,569 | 933,333 | 0 | 0 | 0 | 0 | 0 | 0 |
| total liabilities | 21,609,619 | 24,252,377 | 29,945,917 | 30,920,746 | 30,471,872 | 31,755,608 | 32,696,203 | 30,578,633 | 24,664,166 | 21,581,368 | 13,885,892 | 0 | 0 | 0 | 0 |
| net assets | -10,051,838 | -9,775,319 | -12,300,594 | -10,483,961 | -8,247,468 | -8,513,541 | -8,820,047 | 366,059 | -87,652 | 205,349 | 17,646 | 0 | 0 | 0 | 0 |
| total shareholders funds | -10,051,838 | -9,775,319 | -12,300,594 | -10,483,961 | -8,247,468 | -8,513,541 | -8,820,047 | 366,059 | -87,652 | 205,349 | 17,646 | 0 | 0 | 0 | 0 |
| 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 | -276,519 | -151,246 | -1,816,633 | -2,236,493 | 266,073 | 306,506 | -9,186,106 | 413,756 | -293,001 | 228,658 | 22,527 | ||||
| Depreciation | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | ||||
| Amortisation | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | ||||
| Tax | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 39,955 | 0 | -40,955 | -5,181 | ||||
| Stock | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 |
| Debtors | -2,917,733 | -3,157,996 | -2,767,622 | -1,820,234 | -954,353 | -681,088 | -6,715,332 | 6,536,721 | 2,356,099 | 8,142,703 | 13,535,441 | 0 | 0 | 0 | 0 |
| Creditors | -2,977,870 | -447,032 | -437,391 | -1,463,127 | -1,156,897 | 3,682 | -6,954,488 | 5,819,125 | -14,963 | 6,576,260 | 5,457,048 | 0 | 0 | 0 | 0 |
| Accruals and Deferred Income | -41,849 | 51,395 | 291,951 | 94,823 | -60,832 | -42,081 | -25,543 | 93,384 | 8,028 | 37,543 | 5,216 | 0 | 0 | 0 | 0 |
| Deferred Taxes & Provisions | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 |
| Cash flow from operations | -378,505 | 2,611,113 | 805,549 | -1,784,563 | 2,697 | 949,195 | -9,450,805 | -170,501 | -2,656,035 | -1,341,197 | -8,055,831 | ||||
| Investing Activities | |||||||||||||||
| capital expenditure | |||||||||||||||
| Change in Investments | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 |
| cash flow from investments | |||||||||||||||
| Financing Activities | |||||||||||||||
| Bank loans | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 |
| Group/Directors Accounts | 376,961 | -5,297,903 | -829,389 | 1,944,912 | -193,741 | 31,565 | 9,714,409 | -615,278 | 2,156,400 | 1,081,673 | 8,423,628 | 0 | 0 | 0 | 0 |
| Other Short Term Loans | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 |
| Long term loans | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 |
| Hire Purchase and Lease Commitments | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 |
| other long term liabilities | 0 | 0 | 0 | -127,734 | 127,734 | -933,761 | -616,808 | 617,236 | 933,333 | 0 | 0 | 0 | 0 | 0 | 0 |
| share issue | |||||||||||||||
| interest | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | ||||
| cash flow from financing | 376,961 | -5,297,903 | -829,389 | 1,817,178 | -66,007 | -902,196 | 9,097,601 | 1,958 | 3,089,733 | 1,081,673 | 8,423,928 | ||||
| cash and cash equivalents | |||||||||||||||
| cash | -1,544 | -10,269 | -23,840 | 32,615 | -63,310 | 46,999 | -353,204 | -168,543 | 433,698 | -259,524 | 368,097 | 0 | 0 | 0 | 0 |
| overdraft | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 |
| change in cash | -1,544 | -10,269 | -23,840 | 32,615 | -63,310 | 46,999 | -353,204 | -168,543 | 433,698 | -259,524 | 368,097 | 0 | 0 | 0 | 0 |
just a bank limited Credit Report and Business Information
Just A Bank Limited Competitor Analysis
Perform a competitor analysis for just a bank limited by selecting its closest rivals, whether from the ADMINISTRATIVE AND SUPPORT SERVICE ACTIVITIES sector, other micro companies, companies in NG31 area or any other competitors across 12 key performance metrics.
just a bank limited Ownership
JUST A BANK LIMITED group structure
Just A Bank Limited has no subsidiary companies.
just a bank limited directors
Just A Bank Limited currently has 2 directors. The longest serving directors include Mrs Lianne Firth (Jul 2002) and Mr Gordon Rann (Jul 2002).
| officer | country | age | start | end | role |
|---|---|---|---|---|---|
| Mrs Lianne Firth | England | 58 years | Jul 2002 | - | Director |
| Mr Gordon Rann | England | 74 years | Jul 2002 | - | Director |
P&L
December 2023turnover
176.1k
-15%
operating profit
-276.5k
+83%
gross margin
70.9%
+68.45%
turnover
Turnover, or revenue, is the amount of sales generated by a company within the financial year.
Balance Sheet
December 2023net assets
-10.1m
+0.03%
total assets
11.6m
-0.2%
cash
1.2k
-0.57%
net assets
Total assets minus all liabilities
Similar Companies
just a bank limited company details
company number
04487481
Type
Private limited with Share Capital
industry
82990 - Other business support service activities n.e.c.
incorporation date
July 2002
age
23
incorporated
UK
ultimate parent company
accounts
Small Company
last accounts submitted
December 2023
previous names
justthebank limited (September 2002)
accountant
-
auditor
DUNCAN TOPLIS AUDIT LIMITED
address
kempton house kempton way, dysart road, grantham, NG31 7LE
Bank
-
Legal Advisor
-
just a 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 just a bank limited.
just a 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.
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just a bank limited Companies House Filings - See Documents
| date | description | view/download |
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