Fernwood Financial Ltd

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fernwood financial ltd Company Information

Live

MatureSmallHealthy

Company Number

04800032

Next Accounts

Mar 2026

Industry

Credit granting by non-deposit taking finance houses and other specialist consumer credit grantors

Directors

Shaun Crane

Shareholders

shaun thomas crane

steven john crane

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Group Structure

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Contact

Registered Address

9 church end mews, hale village, liverpool, L24 4EB

Website

fernwood financial ltd Estimated Valuation

£436.3k

Pomanda estimates the enterprise value of FERNWOOD FINANCIAL LTD at £436.3k based on a Turnover of £606.6k and 0.72x industry multiple (adjusted for size and gross margin).

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Fernwood Financial Ltd is a live company located in liverpool, L24 4EB with a Companies House number of 04800032. It operates in the credit granting by non-deposit taking finance houses and other specialist consumer credit grantors sector, SIC Code 64921. Founded in June 2003, it's largest shareholder is shaun thomas crane with a 51.2% stake. Fernwood Financial Ltd is a mature, small sized company, Pomanda has estimated its turnover at £606.6k with healthy growth in recent years.

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Pomanda's financial health check has awarded Fernwood Financial Ltd a 2 rating. We use a traffic light system to show it exceeds the industry average on 2 measures and has 7 areas for improvement. Company Health Check FAQs

Health Rating2out of 5

2 Strong

1 Regular

7 Weak

Size

annual sales of £606.6k, make it smaller than the average company (£19.9m)

Growth

3 year (CAGR) sales growth of 15%, show it is growing at a slower rate (21%)

EXPORT

Fernwood Financial Ltd's latest turnover from June 2024 is estimated at £606.6 thousand and the company has net assets of £135.5 thousand. According to their latest financial statements, Fernwood Financial Ltd has 3 employees and maintains cash reserves of 0 as reported in the balance sheet.

Data source: Companies House, Pomanda Estimates

	Jun 2024	Jun 2023	Jun 2022	Jun 2021	Jun 2020	Jun 2019	Jun 2018	Jun 2017	Jun 2016	Jun 2015	Jun 2014	Jun 2013	Jun 2012	Jun 2011	Jun 2010
Turnover	606,552	505,738	375,364	402,533	376,825	450,655	159,887	291,901	180,599	54,610	84,337	79,897	158,103	152,169	309,730
Other Income Or Grants	0	0	0	0	0	0	0	0	0	0	0	0	0	0	0
Cost Of Sales	578,747	474,364	349,059	379,529	349,864	422,500	144,692	242,065	93,111	27,564	58,187	52,221	98,357	94,064	0
Gross Profit	27,804	31,374	26,305	23,004	26,960	28,154	15,196	49,836	87,488	27,046	26,149	27,675	59,746	58,105	309,730
Admin Expenses	49,549	173,003	-32,997	40,013	15,335	76,660	19,921	-165,168	112,341	196,828	167,553	4,235	210,883	188,615	226,266
Operating Profit	-21,745	-141,629	59,302	-17,009	11,625	-48,506	-4,725	215,004	-24,853	-169,782	-141,404	23,440	-151,137	-130,510	83,464
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	83	176	125	616	665	285	411	0
Pre-Tax Profit	-21,745	-141,629	59,302	-17,009	11,625	-48,506	-4,725	215,086	-24,677	-169,657	-140,788	24,105	-150,852	-130,099	75,303
Tax	0	0	-11,267	0	-2,209	0	0	-40,866	0	0	0	-5,544	0	0	-15,000
Profit After Tax	-21,745	-141,629	48,035	-17,009	9,416	-48,506	-4,725	174,220	-24,677	-169,657	-140,788	18,561	-150,852	-130,099	60,303
Dividends Paid	0	0	0	0	0	0	0	0	0	0	0	0	0	0	0
Retained Profit	-21,745	-141,629	48,035	-17,009	9,416	-48,506	-4,725	174,220	-24,677	-169,657	-140,788	18,561	-150,852	-130,099	60,303
Employee Costs	199,634	195,433	194,231	170,355	161,036	51,061	46,407	47,153	42,174	37,051	38,076	39,413	40,655	37,885	27,848
Number Of Employees	3	3	3	3	3	1	1	1	1	1	1	1	1	1	2
EBITDA*	-21,745	-141,629	59,302	-17,009	11,625	-48,506	-4,725	215,004	-23,803	-168,764	-139,958	25,102	-144,218	-118,075	84,621

* Earnings Before Interest, Tax, Depreciation and Amortisation

	Jun 2024	Jun 2023	Jun 2022	Jun 2021	Jun 2020	Jun 2019	Jun 2018	Jun 2017	Jun 2016	Jun 2015	Jun 2014	Jun 2013	Jun 2012	Jun 2011	Jun 2010
Tangible Assets	32,381	42,933	56,960	75,614	2,978	3,509	4,138	4,883	5,767	6,817	7,835	14,498	17,442	43,861	6,551
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	32,381	42,933	56,960	75,614	2,978	3,509	4,138	4,883	5,767	6,817	7,835	14,498	17,442	43,861	6,551
Stock & work in progress	0	0	0	0	0	0	0	0	0	0	0	0	0	0	0
Trade Debtors	357,568	425,611	541,676	495,878	507,309	509,686	339,791	496,847	331,585	187,276	405,820	342,422	603,680	634,890	649,840
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	66,330	4,197	45,683	200,751	65,205	48,608	115,962
misc current assets	0	0	0	0	0	0	0	0	0	0	0	0	0	0	0
total current assets	357,568	425,611	541,676	495,878	507,309	509,686	339,791	496,847	397,915	191,473	451,503	543,173	668,885	683,498	765,802
total assets	389,949	468,544	598,636	571,492	510,287	513,195	343,929	501,730	403,682	198,290	459,338	557,671	686,327	727,359	772,353
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	254,472	311,322	299,785	264,090	242,462	254,786	37,014	190,090	265,262	35,193	126,584	84,129	231,346	121,526	0
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	36,421
total current liabilities	254,472	311,322	299,785	264,090	242,462	254,786	37,014	190,090	265,262	35,193	126,584	84,129	231,346	121,526	36,421
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	56,586	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	56,586	0	0	0	0	0	0	0	0	0	0	0
total liabilities	254,472	311,322	299,785	320,676	242,462	254,786	37,014	190,090	265,262	35,193	126,584	84,129	231,346	121,526	36,421
net assets	135,477	157,222	298,851	250,816	267,825	258,409	306,915	311,640	138,420	163,097	332,754	473,542	454,981	605,833	735,932
total shareholders funds	135,477	157,222	298,851	250,816	267,825	258,409	306,915	311,640	138,420	163,097	332,754	473,542	454,981	605,833	735,932

	Jun 2024	Jun 2023	Jun 2022	Jun 2021	Jun 2020	Jun 2019	Jun 2018	Jun 2017	Jun 2016	Jun 2015	Jun 2014	Jun 2013	Jun 2012	Jun 2011	Jun 2010
Operating Activities
Operating Profit	-21,745	-141,629	59,302	-17,009	11,625	-48,506	-4,725	215,004	-24,853	-169,782	-141,404	23,440	-151,137	-130,510	83,464
Depreciation	0	0	0	0	0	0	0	0	1,050	1,018	1,446	1,662	6,919	12,435	1,157
Amortisation	0	0	0	0	0	0	0	0	0	0	0	0	0	0	0
Tax	0	0	-11,267	0	-2,209	0	0	-40,866	0	0	0	-5,544	0	0	-15,000
Stock	0	0	0	0	0	0	0	0	0	0	0	0	0	0	0
Debtors	-68,043	-116,065	45,798	-11,431	-2,377	169,895	-157,056	165,262	144,309	-218,544	63,398	-261,258	-31,210	-14,950	649,840
Creditors	-56,850	11,537	35,695	21,628	-12,324	217,772	-153,076	-75,172	230,069	-91,391	42,455	-147,217	109,820	121,526	0
Accruals and Deferred Income	0	0	0	0	0	0	0	0	0	0	0	0	0	-36,421	36,421
Deferred Taxes & Provisions	0	0	0	0	0	0	0	0	0	0	0	0	0	0	0
Cash flow from operations	-10,552	-14,027	37,932	16,050	-531	-629	-745	-66,296	61,957	-41,611	-160,901	133,599	-3,188	-18,020	-543,798
Investing Activities
capital expenditure	10,552	14,027	18,654	-72,636	531	629	745	884	0	0	5,217	1,282	19,500	-49,745	-7,708
Change in Investments	0	0	0	0	0	0	0	0	0	0	0	0	0	0	0
cash flow from investments	10,552	14,027	18,654	-72,636	531	629	745	884	0	0	5,217	1,282	19,500	-49,745	-7,708
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	-56,586	56,586	0	0	0	0	0	0	0	0	0	0	0
share issue	0	0	0	0	0	0	0	-1,000	0	0	0	0	0	0	675,629
interest	0	0	0	0	0	0	0	83	176	125	616	665	285	411	0
cash flow from financing	0	0	-56,586	56,586	0	0	0	-917	176	125	616	665	285	411	675,629
cash and cash equivalents
cash	0	0	0	0	0	0	0	-66,330	62,133	-41,486	-155,068	135,546	16,597	-67,354	115,962
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	-66,330	62,133	-41,486	-155,068	135,546	16,597	-67,354	115,962

Very Low Risk70 - 100

Low Risk50 - 70

Moderate Risk30 - 50

High Risk20 - 30

Very High Risk0 - 20

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Perform a competitor analysis for fernwood financial ltd by selecting its closest rivals, whether from the FINANCIAL AND INSURANCE ACTIVITIES sector, other small companies, companies in L24 area or any other competitors across 12 key performance metrics.

FERNWOOD FINANCIAL LTD group structure

Fernwood Financial Ltd has no subsidiary companies.

Ultimate parent company

FERNWOOD FINANCIAL LTD

04800032

FERNWOOD FINANCIAL LTD Shareholders

shaun thomas crane	51.19%
steven john crane	48.51%
stephen john crane	0.3%

Fernwood Financial Ltd currently has 1 director, Mr Shaun Crane serving since Apr 2009.

officer	country	age	start	end	role
Mr Shaun Crane	England	58 years	Apr 2009	-	Director

P&L

June 2024

turnover

606.6k

+20%

operating profit

-21.7k

gross margin

4.6%

-26.11%

turnover

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

Balance Sheet

June 2024

net assets

135.5k

-0.14%

total assets

389.9k

-0.17%

cash

net assets

Total assets minus all liabilities

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company number

04800032

Type

Private limited with Share Capital

industry

64921 - Credit granting by non-deposit taking finance houses and other specialist consumer credit grantors

incorporation date

June 2003

ultimate parent company

None

previous names

N/A

address

9 church end mews, hale village, liverpool, L24 4EB

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fernwood financial ltd Company Information

fernwood financial ltd Estimated Valuation

fernwood financial ltd Estimated Valuation

fernwood financial ltd Estimated Valuation

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FERNWOOD FINANCIAL LTD financials

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