direct premium finance limited Company Information
Company Number
04779098
Website
directpremiumfinance.co.ukRegistered 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
View All
Shareholders
jukes brokers limited 60%
jn godsall & co limited 40%
direct premium finance limited Estimated Valuation
Pomanda estimates the enterprise value of DIRECT PREMIUM FINANCE LIMITED at £227.5k based on a Turnover of £204.2k and 1.11x industry multiple (adjusted for size and gross margin).
direct premium finance limited Estimated Valuation
Pomanda estimates the enterprise value of DIRECT PREMIUM FINANCE LIMITED at £2.7k based on an EBITDA of £802 and a 3.38x industry multiple (adjusted for size and gross margin).
direct premium finance limited Estimated Valuation
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 Overview
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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Direct Premium Finance Limited Health Check
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
3 Strong
1 Regular
6 Weak
Size
annual sales of £204.2k, make it smaller than the average company (£2.3m)
- Direct Premium Finance Limited
£2.3m - Industry AVG
Growth
3 year (CAGR) sales growth of 5%, show it is growing at a faster rate (3.9%)
- Direct Premium Finance Limited
3.9% - Industry AVG
Production
with a gross margin of 38%, this company has a higher cost of product (67.1%)
- Direct Premium Finance Limited
67.1% - Industry AVG
Profitability
an operating margin of 0.4% make it less profitable than the average company (25.5%)
- Direct Premium Finance Limited
25.5% - Industry AVG
Employees
with 2 employees, this is below the industry average (4)
2 - Direct Premium Finance Limited
4 - Industry AVG
Pay Structure
on an average salary of £58k, the company has an equivalent pay structure (£58k)
- Direct Premium Finance Limited
£58k - Industry AVG
Efficiency
resulting in sales per employee of £102.1k, this is less efficient (£356.5k)
- Direct Premium Finance Limited
£356.5k - Industry AVG
Debtor Days
it gets paid by customers after 1286 days, this is later than average (530 days)
- Direct Premium Finance Limited
530 days - Industry AVG
Creditor Days
its suppliers are paid after 163 days, this is slower than average (28 days)
- Direct Premium Finance Limited
28 days - Industry AVG
Stock Days
There is insufficient data available for this Key Performance Indicator!
- Direct Premium Finance Limited
- - Industry AVG
Cash Balance
There is insufficient data available for this Key Performance Indicator!
- - Direct Premium Finance Limited
- - Industry AVG
Debt Level
it has a ratio of liabilities to total assets of 7.9%, this is a lower level of debt than the average (86.7%)
7.9% - Direct Premium Finance Limited
86.7% - Industry AVG
DIRECT PREMIUM FINANCE LIMITED financials
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 | |||||||||||||||
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 | 2 | 2 | 1 | ||||||||||||
EBITDA* |
* 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 | |||||||||||||||
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 | 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 | |||||||||||||||
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 | 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 |
direct premium finance limited Credit Report and Business Information
Direct Premium Finance Limited Competitor Analysis
Perform a competitor analysis for direct premium finance limited by selecting its closest rivals, whether from the FINANCIAL AND INSURANCE ACTIVITIES sector, other micro companies, companies in CV34 area or any other competitors across 12 key performance metrics.
direct premium finance limited Ownership
DIRECT PREMIUM FINANCE LIMITED group structure
Direct Premium Finance Limited has no subsidiary companies.
direct premium finance limited directors
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 2023turnover
204.2k
+17%
operating profit
802.7
0%
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 2023net assets
663.2k
0%
total assets
720k
+0.01%
cash
0
0%
net assets
Total assets minus all liabilities
direct premium finance limited company details
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
age
21
incorporated
UK
ultimate parent company
accounts
Micro-Entity Accounts
last accounts submitted
July 2023
previous names
N/A
accountant
-
auditor
-
address
14 market place, warwick, warwickshire, CV34 4SL
Bank
-
Legal Advisor
-
direct premium finance 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 direct premium finance limited.
direct premium finance limited Companies House Filings - See Documents
date | description | view/download |
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