fino limited
fino limited Company Information
Company Number
04581176
Website
www.finopaytech.comRegistered Address
29 cleveleys avenue, rochdale, lancashire, OL16 4PD
Industry
Accounting, and auditing activities
Telephone
01539432920
Next Accounts Due
August 2025
Group Structure
View All
Directors
David Webb21 Years
Shareholders
david zillwood webb 70%
caroline hibbert 30%
fino limited Estimated Valuation
Pomanda estimates the enterprise value of FINO LIMITED at £11.6k based on a Turnover of £17.5k and 0.66x industry multiple (adjusted for size and gross margin).
fino limited Estimated Valuation
Pomanda estimates the enterprise value of FINO LIMITED at £0 based on an EBITDA of £-10.4k and a 3.76x industry multiple (adjusted for size and gross margin).
fino limited Estimated Valuation
Pomanda estimates the enterprise value of FINO LIMITED at £10.9k based on Net Assets of £3.6k and 3.03x industry multiple (adjusted for liquidity).
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Fino Limited Overview
Fino Limited is a live company located in lancashire, OL16 4PD with a Companies House number of 04581176. It operates in the accounting and auditing activities sector, SIC Code 69201. Founded in November 2002, it's largest shareholder is david zillwood webb with a 70% stake. Fino Limited is a mature, micro sized company, Pomanda has estimated its turnover at £17.5k with declining growth in recent years.
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Fino Limited Health Check
Pomanda's financial health check has awarded Fino Limited a 2 rating. We use a traffic light system to show it exceeds the industry average on 2 measures and has 6 areas for improvement. Company Health Check FAQs
2 Strong
2 Regular
6 Weak
Size
annual sales of £17.5k, make it smaller than the average company (£127.7k)
- Fino Limited
£127.7k - Industry AVG
Growth
3 year (CAGR) sales growth of -20%, show it is growing at a slower rate (6.4%)
- Fino Limited
6.4% - Industry AVG
Production
with a gross margin of 45.2%, this company has a higher cost of product (76%)
- Fino Limited
76% - Industry AVG
Profitability
an operating margin of -59.5% make it less profitable than the average company (14%)
- Fino Limited
14% - Industry AVG
Employees
with 1 employees, this is below the industry average (3)
1 - Fino Limited
3 - Industry AVG
Pay Structure
on an average salary of £19.1k, the company has an equivalent pay structure (£19.1k)
- Fino Limited
£19.1k - Industry AVG
Efficiency
resulting in sales per employee of £17.5k, this is less efficient (£72.9k)
- Fino Limited
£72.9k - Industry AVG
Debtor Days
it gets paid by customers after 93 days, this is near the average (88 days)
- Fino Limited
88 days - Industry AVG
Creditor Days
its suppliers are paid after 33 days, this is slower than average (24 days)
- Fino Limited
24 days - Industry AVG
Stock Days
There is insufficient data available for this Key Performance Indicator!
- Fino Limited
- - Industry AVG
Cash Balance
There is insufficient data available for this Key Performance Indicator!
- - Fino Limited
- - Industry AVG
Debt Level
it has a ratio of liabilities to total assets of 19.8%, this is a lower level of debt than the average (58.4%)
19.8% - Fino Limited
58.4% - Industry AVG
FINO LIMITED financials
Fino Limited's latest turnover from November 2023 is estimated at £17.5 thousand and the company has net assets of £3.6 thousand. According to their latest financial statements, Fino Limited has 1 employee and maintains cash reserves of 0 as reported in the balance sheet.
Data source: Companies House, Pomanda Estimates
| Nov 2023 | Nov 2022 | Nov 2021 | Nov 2020 | Nov 2019 | Nov 2018 | Nov 2017 | Nov 2016 | Nov 2015 | Nov 2014 | Nov 2013 | Nov 2012 | Nov 2011 | Nov 2010 | Nov 2009 | |
|---|---|---|---|---|---|---|---|---|---|---|---|---|---|---|---|
| Turnover | |||||||||||||||
| Other Income Or Grants | |||||||||||||||
| Cost Of Sales | |||||||||||||||
| Gross Profit | |||||||||||||||
| Admin Expenses | |||||||||||||||
| Operating Profit | |||||||||||||||
| Interest Payable | |||||||||||||||
| Interest Receivable | |||||||||||||||
| Pre-Tax Profit | |||||||||||||||
| Tax | |||||||||||||||
| Profit After Tax | |||||||||||||||
| Dividends Paid | |||||||||||||||
| Retained Profit | |||||||||||||||
| Employee Costs | |||||||||||||||
| Number Of Employees | 1 | 1 | 1 | 1 | |||||||||||
| EBITDA* |
* Earnings Before Interest, Tax, Depreciation and Amortisation
| Nov 2023 | Nov 2022 | Nov 2021 | Nov 2020 | Nov 2019 | Nov 2018 | Nov 2017 | Nov 2016 | Nov 2015 | Nov 2014 | Nov 2013 | Nov 2012 | Nov 2011 | Nov 2010 | Nov 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) | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 |
| Total Fixed Assets | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 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 | 4,496 | 13,184 | 0 | 15,811 | 23,576 | 38,114 | 51,982 | 10,959 | 11,062 | 10,474 | 9,798 | 10,069 | 10,988 | 3,557 | 2,993 |
| Group Debtors | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 |
| Misc Debtors | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 |
| Cash | 0 | 1,333 | 20,371 | 0 | 0 | 0 | 0 | 26,127 | 26,704 | 28,278 | 27,308 | 22,035 | 13,815 | 2,376 | 7,041 |
| misc current assets | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 |
| total current assets | 4,496 | 14,517 | 20,371 | 15,811 | 23,576 | 38,114 | 51,982 | 37,086 | 37,766 | 38,752 | 37,106 | 32,104 | 24,803 | 5,933 | 10,034 |
| total assets | 4,496 | 14,517 | 20,371 | 15,811 | 23,576 | 38,114 | 51,982 | 37,086 | 37,766 | 38,752 | 37,106 | 32,104 | 24,803 | 5,933 | 10,034 |
| 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 | 890 | 501 | 252 | 12 | 0 | 6,121 | 6,432 | 5,294 | 6,571 | 2,968 | 3,690 | 4,012 | 3,828 | 3,410 | 2,236 |
| Group/Directors Accounts | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 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 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 4,041 | 3,937 | 4,363 | 4,378 | 0 | 0 |
| total current liabilities | 890 | 501 | 252 | 12 | 0 | 6,121 | 6,432 | 5,294 | 6,571 | 7,009 | 7,627 | 8,375 | 8,206 | 3,410 | 2,236 |
| 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 | 0 | 0 | 0 | 0 | 0 | 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 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 |
| total liabilities | 890 | 501 | 252 | 12 | 0 | 6,121 | 6,432 | 5,294 | 6,571 | 7,009 | 7,627 | 8,375 | 8,206 | 3,410 | 2,236 |
| net assets | 3,606 | 14,016 | 20,119 | 15,799 | 23,576 | 31,993 | 45,550 | 31,792 | 31,195 | 31,743 | 29,479 | 23,729 | 16,597 | 2,523 | 7,798 |
| total shareholders funds | 3,606 | 14,016 | 20,119 | 15,799 | 23,576 | 31,993 | 45,550 | 31,792 | 31,195 | 31,743 | 29,479 | 23,729 | 16,597 | 2,523 | 7,798 |
| Nov 2023 | Nov 2022 | Nov 2021 | Nov 2020 | Nov 2019 | Nov 2018 | Nov 2017 | Nov 2016 | Nov 2015 | Nov 2014 | Nov 2013 | Nov 2012 | Nov 2011 | Nov 2010 | Nov 2009 | |
|---|---|---|---|---|---|---|---|---|---|---|---|---|---|---|---|
| Operating Activities | |||||||||||||||
| Operating Profit | |||||||||||||||
| Depreciation | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 |
| Amortisation | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 |
| Tax | |||||||||||||||
| Stock | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 |
| Debtors | -8,688 | 13,184 | -15,811 | -7,765 | -14,538 | -13,868 | 41,023 | -103 | 588 | 676 | -271 | -919 | 7,431 | 564 | 2,993 |
| Creditors | 389 | 249 | 240 | 12 | -6,121 | -311 | 1,138 | -1,277 | 3,603 | -722 | -322 | 184 | 418 | 1,174 | 2,236 |
| Accruals and Deferred Income | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | -4,041 | 104 | -426 | -15 | 4,378 | 0 | 0 |
| Deferred Taxes & Provisions | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 |
| Cash flow from operations | |||||||||||||||
| 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 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 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 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 |
| share issue | |||||||||||||||
| interest | |||||||||||||||
| cash flow from financing | |||||||||||||||
| cash and cash equivalents | |||||||||||||||
| cash | -1,333 | -19,038 | 20,371 | 0 | 0 | 0 | -26,127 | -577 | -1,574 | 970 | 5,273 | 8,220 | 11,439 | -4,665 | 7,041 |
| overdraft | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 |
| change in cash | -1,333 | -19,038 | 20,371 | 0 | 0 | 0 | -26,127 | -577 | -1,574 | 970 | 5,273 | 8,220 | 11,439 | -4,665 | 7,041 |
fino limited Credit Report and Business Information
Fino Limited Competitor Analysis
Perform a competitor analysis for fino limited by selecting its closest rivals, whether from the PROFESSIONAL, SCIENTIFIC AND TECHNICAL ACTIVITIES sector, other micro companies, companies in OL16 area or any other competitors across 12 key performance metrics.
fino limited Ownership
FINO LIMITED group structure
Fino Limited has no subsidiary companies.
Ultimate parent company
FINO LIMITED
04581176
fino limited directors
Fino Limited currently has 1 director, Mr David Webb serving since Nov 2002.
| officer | country | age | start | end | role |
|---|---|---|---|---|---|
| Mr David Webb | 77 years | Nov 2002 | - | Director |
P&L
November 2023turnover
17.5k
-37%
operating profit
-10.4k
0%
gross margin
45.3%
-4.77%
turnover
Turnover, or revenue, is the amount of sales generated by a company within the financial year.
Balance Sheet
November 2023net assets
3.6k
-0.74%
total assets
4.5k
-0.69%
cash
0
-1%
net assets
Total assets minus all liabilities
fino limited company details
company number
04581176
Type
Private limited with Share Capital
industry
69201 - Accounting, and auditing activities
incorporation date
November 2002
age
22
incorporated
UK
ultimate parent company
accounts
Micro-Entity Accounts
last accounts submitted
November 2023
previous names
N/A
accountant
-
auditor
-
address
29 cleveleys avenue, rochdale, lancashire, OL16 4PD
Bank
-
Legal Advisor
-
fino 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 fino limited.
fino limited Companies House Filings - See Documents
| date | description | view/download |
|---|
