Direct Premium Finance Limited

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direct premium finance limited Company Information

Live

MatureMicroHealthy

Company Number

04779098

Website

directpremiumfinance.co.uk

Registered Address

14 market place, warwick, warwickshire, CV34 4SL

Industry

Other credit granting (not including credit granting by non-deposit taking finance houses and other specialist consumer credit grantors and activities of mortgage finance companies) n.e.c.

Telephone

01624626370

Next Accounts Due

April 2025

Group Structure

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Directors

James Godsall2 Years

Richard Godsall2 Years

Shareholders

jukes brokers limited 60%

jn godsall & co limited 40%

direct premium finance limited Estimated Valuation

£1.3m

Pomanda estimates the enterprise value of DIRECT PREMIUM FINANCE LIMITED at £1.3m based on Net Assets of £663.2k and 2.01x industry multiple (adjusted for liquidity).

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Direct Premium Finance Limited is a live company located in warwickshire, CV34 4SL with a Companies House number of 04779098. It operates in the other credit granting n.e.c. sector, SIC Code 64929. Founded in May 2003, it's largest shareholder is jukes brokers limited with a 60% stake. Direct Premium Finance Limited is a mature, micro sized company, Pomanda has estimated its turnover at £204.2k with healthy growth in recent years.

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Pomanda's financial health check has awarded Direct Premium Finance Limited a 2.5 rating. We use a traffic light system to show it exceeds the industry average on 3 measures and has 6 areas for improvement. Company Health Check FAQs

Health Rating2.5out of 5

3 Strong

1 Regular

6 Weak

Size

annual sales of £204.2k, make it smaller than the average company (£2.3m)

Growth

3 year (CAGR) sales growth of 5%, show it is growing at a faster rate (3.9%)

EXPORT

Direct Premium Finance Limited's latest turnover from July 2023 is estimated at £204.2 thousand and the company has net assets of £663.2 thousand. According to their latest financial statements, Direct Premium Finance Limited has 2 employees and maintains cash reserves of 0 as reported in the balance sheet.

Data source: Companies House, Pomanda Estimates

	Jul 2023	Jul 2022	Jul 2021	Jul 2020	Jul 2019	Jul 2018	Jul 2017	Jul 2016	Jul 2015	Jul 2014	Jul 2013	Jul 2012	Jul 2011	Jul 2010	Jul 2009
Turnover	204,222	174,234	139,621	175,976	133,393	150,215	252,666	186,950	217,170	418,822	233,903	460,561	176,381	266,947	0
Other Income Or Grants	0	0	0	0	0	0	0	0	0	0	0	0	0	0	0
Cost Of Sales	126,527	105,055	86,193	108,385	83,967	68,082	133,139	90,988	105,368	245,376	152,594	304,506	125,045	166,655	0
Gross Profit	77,695	69,178	53,428	67,591	49,426	82,133	119,527	95,962	111,802	173,446	81,310	156,054	51,336	100,293	0
Admin Expenses	76,892	65,043	53,413	51,082	-21,020	12,421	46,847	73,722	77,556	140,713	42,554	122,518	-4,147	44,598	-365,274
Operating Profit	803	4,135	15	16,509	70,446	69,712	72,680	22,240	34,246	32,733	38,756	33,536	55,483	55,695	365,274
Interest Payable	0	0	0	0	0	0	0	0	0	0	0	0	0	0	0
Interest Receivable	0	0	0	0	0	0	0	409	758	695	510	343	398	444	225
Pre-Tax Profit	803	4,135	15	16,509	70,446	69,712	72,680	22,649	35,004	33,428	39,266	33,879	55,881	56,139	365,499
Tax	-201	-786	-3	-3,137	-13,385	-13,245	-13,809	-4,530	-7,001	-7,020	-9,031	-8,131	-14,529	-15,719	-102,340
Profit After Tax	602	3,349	12	13,372	57,061	56,467	58,871	18,119	28,003	26,408	30,235	25,748	41,352	40,420	263,159
Dividends Paid	0	0	0	0	0	0	0	0	0	0	0	0	0	0	0
Retained Profit	602	3,349	12	13,372	57,061	56,467	58,871	18,119	28,003	26,408	30,235	25,748	41,352	40,420	263,159
Employee Costs	116,051	121,081	59,270	53,556	49,945	47,940	44,585	37,588	35,265	32,943	39,630	67,172	33,351	30,788	0
Number Of Employees	2	2	1	1	1	1	1	1	1	1	1	2	1	1	0
EBITDA*	803	4,135	15	16,509	70,446	69,712	72,680	22,240	34,246	32,733	38,756	33,536	55,483	55,695	365,274

* Earnings Before Interest, Tax, Depreciation and Amortisation

	Jul 2023	Jul 2022	Jul 2021	Jul 2020	Jul 2019	Jul 2018	Jul 2017	Jul 2016	Jul 2015	Jul 2014	Jul 2013	Jul 2012	Jul 2011	Jul 2010	Jul 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	719,991	716,203	740,801	814,574	815,709	803,630	851,370	815,543	667,760	652,524	651,671	715,716	706,288	634,905	679,906
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	0	0	0	0	0	0	0	163,493	139,738	138,372	65,712	71,492	87,698	89,868
misc current assets	0	0	0	0	0	0	0	0	0	0	0	0	0	0	0
total current assets	719,991	716,203	740,801	814,574	815,709	803,630	851,370	815,543	831,253	792,262	790,043	781,428	777,780	722,603	769,774
total assets	719,991	716,203	740,801	814,574	815,709	803,630	851,370	815,543	831,253	792,262	790,043	781,428	777,780	722,603	769,774
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	56,813	53,627	81,574	155,359	169,866	214,848	319,055	342,099	375,926	364,938	389,127	410,747	432,847	419,022	506,613
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	0	0	0	0	0	0
total current liabilities	56,813	53,627	81,574	155,359	169,866	214,848	319,055	342,099	375,926	364,938	389,127	410,747	432,847	419,022	506,613
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	56,813	53,627	81,574	155,359	169,866	214,848	319,055	342,099	375,926	364,938	389,127	410,747	432,847	419,022	506,613
net assets	663,178	662,576	659,227	659,215	645,843	588,782	532,315	473,444	455,327	427,324	400,916	370,681	344,933	303,581	263,161
total shareholders funds	663,178	662,576	659,227	659,215	645,843	588,782	532,315	473,444	455,327	427,324	400,916	370,681	344,933	303,581	263,161

	Jul 2023	Jul 2022	Jul 2021	Jul 2020	Jul 2019	Jul 2018	Jul 2017	Jul 2016	Jul 2015	Jul 2014	Jul 2013	Jul 2012	Jul 2011	Jul 2010	Jul 2009
Operating Activities
Operating Profit	803	4,135	15	16,509	70,446	69,712	72,680	22,240	34,246	32,733	38,756	33,536	55,483	55,695	365,274
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	-201	-786	-3	-3,137	-13,385	-13,245	-13,809	-4,530	-7,001	-7,020	-9,031	-8,131	-14,529	-15,719	-102,340
Stock	0	0	0	0	0	0	0	0	0	0	0	0	0	0	0
Debtors	3,788	-24,598	-73,773	-1,135	12,079	-47,740	35,827	147,783	15,236	853	-64,045	9,428	71,383	-45,001	679,906
Creditors	3,186	-27,947	-73,785	-14,507	-44,982	-104,207	-23,044	-33,827	10,988	-24,189	-21,620	-22,100	13,825	-87,591	506,613
Accruals and Deferred Income	0	0	0	0	0	0	0	0	0	0	0	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	0	0	0	0	0	0	0	-163,900	22,997	671	72,150	-6,123	-16,604	-2,614	89,641
Investing Activities
capital expenditure	0	0	0	0	0	0	0	0	0	0	0	0	0	0	0
Change in Investments	0	0	0	0	0	0	0	0	0	0	0	0	0	0	0
cash flow from investments	0	0	0	0	0	0	0	0	0	0	0	0	0	0	0
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	0	0	0	0	0	0	0	-2	0	0	0	0	0	0	2
interest	0	0	0	0	0	0	0	409	758	695	510	343	398	444	225
cash flow from financing	0	0	0	0	0	0	0	407	758	695	510	343	398	444	227
cash and cash equivalents
cash	0	0	0	0	0	0	0	-163,493	23,755	1,366	72,660	-5,780	-16,206	-2,170	89,868
overdraft	0	0	0	0	0	0	0	0	0	0	0	0	0	0	0
change in cash	0	0	0	0	0	0	0	-163,493	23,755	1,366	72,660	-5,780	-16,206	-2,170	89,868

Very Low Risk70 - 100

Low Risk50 - 70

Moderate Risk30 - 50

High Risk20 - 30

Very High Risk0 - 20

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DIRECT PREMIUM FINANCE LIMITED group structure

Direct Premium Finance Limited has no subsidiary companies.

Ultimate parent company

JUKES BROKERS LIMITED

09381703

1 parent

DIRECT PREMIUM FINANCE LIMITED

04779098

DIRECT PREMIUM FINANCE LIMITED Shareholders

jukes brokers limited	60%
jn godsall & co limited	40%

Direct Premium Finance Limited currently has 2 directors. The longest serving directors include Mr James Godsall (Jun 2022) and Mr Richard Godsall (Jun 2022).

officer	country	age	start	end	role
Mr James Godsall	England	42 years	Jun 2022	-	Director
Mr Richard Godsall	England	70 years	Jun 2022	-	Director

P&L

July 2023

turnover

204.2k

+17%

operating profit

802.7

gross margin

38.1%

-4.18%

turnover

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

Balance Sheet

July 2023

net assets

663.2k

total assets

720k

+0.01%

cash

net assets

Total assets minus all liabilities

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company number

04779098

Type

Private limited with Share Capital

industry

64929 - Other credit granting (not including credit granting by non-deposit taking finance houses and other specialist consumer credit grantors and activities of mortgage finance companies) n.e.c.

incorporation date

May 2003

ultimate parent company

JUKES BROKERS LIMITED

previous names

N/A

address

14 market place, warwick, warwickshire, CV34 4SL

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 direct premium finance limited.

direct premium finance limited Company Information

direct premium finance limited Estimated Valuation

direct premium finance limited Estimated Valuation

direct premium finance limited Estimated Valuation

Direct Premium Finance Limited Overview

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DIRECT PREMIUM FINANCE LIMITED financials

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