Equilibrium Finance Limited

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equilibrium finance limited Company Information

Company Number

04804634

Next Accounts

Apr 2026

Directors

Robert Jones

David Billingham

Shareholders

david christopher billingham

robert david jones

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Group Structure

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Industry

Financial leasing

Registered Address

suite s31, northwich business centre, northwich, CW9 5BF

Website

www.equilibriumfinance.co.uk

equilibrium finance limited Estimated Valuation

£2.5m

Pomanda estimates the enterprise value of EQUILIBRIUM FINANCE LIMITED at £2.5m based on Net Assets of £1.2m and 2.06x industry multiple (adjusted for liquidity).

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Equilibrium Finance Limited is a live company located in northwich, CW9 5BF with a Companies House number of 04804634. It operates in the financial leasing sector, SIC Code 64910. Founded in June 2003, it's largest shareholder is david christopher billingham with a 50% stake. Equilibrium Finance Limited is a mature, small sized company, Pomanda has estimated its turnover at £1.6m with healthy growth in recent years.

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Pomanda's financial health check has awarded Equilibrium Finance Limited a 4 rating. We use a traffic light system to show it exceeds the industry average on 4 measures and has 4 areas for improvement. Company Health Check FAQs

Health Rating4out of 5

4 Strong

2 Regular

4 Weak

Size

annual sales of £1.6m, make it smaller than the average company (£3m)

Growth

3 year (CAGR) sales growth of 13%, show it is growing at a faster rate (5.5%)

EXPORT

Equilibrium Finance Limited's latest turnover from July 2024 is estimated at £1.6 million and the company has net assets of £1.2 million. According to their latest financial statements, Equilibrium Finance Limited has 4 employees and maintains cash reserves of £168.5 thousand as reported in the balance sheet.

Data source: Companies House, Pomanda Estimates

	Jul 2024	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	1,621,956	1,207,710	1,192,644	1,125,229	1,360,749	4,457,792	1,265,290	1,115,349	64,864	1,459,036	1,445,294	1,591,004	1,075,973	926,535	811,339
Other Income Or Grants
Cost Of Sales	890,105	550,134	441,197	495,569	648,721	2,046,958	640,682	559,832	23,076	598,748	710,383	813,344	535,232	456,728	464,352
Gross Profit	731,851	657,576	751,447	629,660	712,028	2,410,834	624,607	555,516	41,788	860,288	734,911	777,660	540,742	469,807	346,987
Admin Expenses	760,340	573,971	611,337	621,974	575,946	2,263,449	404,683	433,607	-61,095	764,586	628,436	685,702	429,000	466,990	332,962	-353,459
Operating Profit	-28,489	83,605	140,110	7,686	136,082	147,385	219,924	121,909	102,883	95,702	106,475	91,958	111,742	2,817	14,025	353,459
Interest Payable	28,804	28,088	16,719	12,092	2,039	12,659	20,801	19,927	12,113
Interest Receivable	7,549	3,308	1,750	148	15	581	482	187	605	383	348	487	259	247	387	205
Pre-Tax Profit	-49,744	58,825	125,141	-4,257	134,058	135,307	199,605	102,168	91,375	96,085	106,823	92,444	112,001	3,064	14,413	353,664
Tax		-14,706	-23,777		-25,471	-25,708	-37,925	-19,412	-18,275	-19,217	-22,433	-21,262	-26,880	-797	-4,035	-99,026
Profit After Tax	-49,744	44,119	101,364	-4,257	108,587	109,599	161,680	82,756	73,100	76,868	84,390	71,182	85,121	2,267	10,377	254,638
Dividends Paid
Retained Profit	-49,744	44,119	101,364	-4,257	108,587	109,599	161,680	82,756	73,100	76,868	84,390	71,182	85,121	2,267	10,377	254,638
Employee Costs	287,156	298,867	268,983	289,795	295,124	268,239	273,684	326,699	60,332	218,278	236,000	234,992	160,268	164,274	101,677
Number Of Employees	4	4	4	4	4	4	4	5	1	4	4	4	3	3	2
EBITDA*	7,120	119,077	192,999	64,801	136,082	147,385	254,285	133,388	123,144	114,753	117,081	104,388	122,897	13,330	22,659	359,170

* Earnings Before Interest, Tax, Depreciation and Amortisation

	Jul 2024	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	111,083	110,148	143,173	176,298	132,017	120,088	109,418	41,858	70,714	100,024	76,321	66,438	37,843	47,409	39,719	19,396
Intangible Assets
Investments & Other
Debtors (Due After 1 year)										476,975	329,810	216,846	323,239	302,814	203,429	125,752
Total Fixed Assets	111,083	110,148	143,173	176,298	132,017	120,088	109,418	41,858	70,714	576,999	406,131	283,284	361,082	350,223	243,148	145,148
Stock & work in progress
Trade Debtors	690	13,368	27,790	5,656	39,962	1,253,040	12,584	40,630	26,931	532,493	527,350	557,947	476,973	320,372	232,456	214,492
Group Debtors
Misc Debtors	1,153,496	1,520,685	1,401,352	1,202,865	1,144,532	2,298	1,221,010	976,241	966,977
Cash	168,532	119,041	13,276	266,747	29,563		154,906	37,895	111,310	130,802	22,413	116,714	77,884	25,879	72,773	82,138
misc current assets
total current assets	1,322,718	1,653,094	1,442,418	1,475,268	1,214,057	1,255,338	1,388,500	1,054,766	1,105,218	663,295	549,763	674,661	554,857	346,251	305,229	296,630
total assets	1,433,801	1,763,242	1,585,591	1,651,566	1,346,074	1,375,426	1,497,918	1,096,624	1,175,932	1,240,294	955,894	957,945	915,939	696,474	548,377	441,778
Bank overdraft	132,993	210,346	118,881	192,874	66,838		184,600	203,999	237,011
Bank loan
Trade Creditors						238,089		377	5,701	427,759	371,048	426,988	399,436	265,636	203,351	133,861
Group/Directors Accounts	1,040	1,040	1,040	1,040	1,040			1,040
other short term finances
hp & lease commitments	13,826	43,219	52,591	41,110	45,072			7,030	18,583
other current liabilities	71,525	65,295	125,490	78,799	69,710		152,083	75,672	106,019
total current liabilities	219,384	319,900	298,002	313,823	182,660	238,089	336,683	288,118	367,314	427,759	371,048	426,988	399,436	265,636	203,351	133,861
loans		168,724	12,739	136,732			190,471	60,968	135,692
hp & lease commitments	1,369	11,826	56,177	83,702	37,360		66,484	4,565	12,500
Accruals and Deferred Income					4,488	4,488
other liabilities						120,871				221,892	72,870	104,371	161,599	160,555	77,510	51,278
provisions							900	1,273	1,482	4,799	3,000	2,000	1,500	2,000	1,500	1,000
total long term liabilities	1,369	180,550	68,916	220,434	41,848	125,359	257,855	66,806	149,674	226,691	75,870	106,371	163,099	162,555	79,010	52,278
total liabilities	220,753	500,450	366,918	534,257	224,508	363,448	594,538	354,924	516,988	654,450	446,918	533,359	562,535	428,191	282,361	186,139
net assets	1,213,048	1,262,792	1,218,673	1,117,309	1,121,566	1,011,978	903,380	741,700	658,944	585,844	508,976	424,586	353,404	268,283	266,016	255,639
total shareholders funds	1,213,048	1,262,792	1,218,673	1,117,309	1,121,566	1,011,978	903,380	741,700	658,944	585,844	508,976	424,586	353,404	268,283	266,016	255,639

	Jul 2024	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	-28,489	83,605	140,110	7,686	136,082	147,385	219,924	121,909	102,883	95,702	106,475	91,958	111,742	2,817	14,025	353,459
Depreciation	35,609	35,472	52,889	57,115			34,361	11,479	20,261	19,051	10,606	12,430	11,155	10,513	8,634	5,711
Amortisation
Tax		-14,706	-23,777		-25,471	-25,708	-37,925	-19,412	-18,275	-19,217	-22,433	-21,262	-26,880	-797	-4,035	-99,026
Stock
Debtors	-379,867	104,911	220,621	24,027	-70,844	21,744	216,723	22,963	-15,560	152,308	82,367	-25,419	177,026	187,301	95,641	340,244
Creditors					-238,089	238,089	-377	-5,324	-422,058	56,711	-55,940	27,552	133,800	62,285	69,490	133,861
Accruals and Deferred Income	6,230	-60,195	46,691	4,601	69,710	-147,595	76,411	-30,347	106,019
Deferred Taxes & Provisions						-900	-373	-209	-3,317	1,799	1,000	500	-500	500	500	1,000
Cash flow from operations	393,217	-60,735	-4,708	45,375	13,076	189,527	75,298	55,133	-198,927	1,738	-42,659	136,597	52,291	-111,983	-7,027	54,761
Investing Activities
capital expenditure	-36,544	-2,447	-19,764	-101,396	-11,929	-10,670	-101,921	17,377	9,049	-42,754	-20,489	-41,025	-1,589	-18,203	-28,957	-25,107
Change in Investments
cash flow from investments	-36,544	-2,447	-19,764	-101,396	-11,929	-10,670	-101,921	17,377	9,049	-42,754	-20,489	-41,025	-1,589	-18,203	-28,957	-25,107
Financing Activities
Bank loans
Group/Directors Accounts					1,040		-1,040	1,040
Other Short Term Loans
Long term loans	-168,724	155,985	-123,993	136,732		-190,471	129,503	-74,724	135,692
Hire Purchase and Lease Commitments	-39,850	-53,723	-16,044	42,380	82,432	-66,484	54,889	-19,488	31,083
other long term liabilities					-120,871	120,871			-221,892	149,022	-31,501	-57,228	1,044	83,045	26,232	51,278
share issue					1,001	-1,001										1,001
interest	-21,255	-24,780	-14,969	-11,944	-2,024	-12,078	-20,319	-19,740	-11,508	383	348	487	259	247	387	205
cash flow from financing	-229,829	77,482	-155,006	167,168	-38,422	-149,163	163,033	-112,912	-66,625	149,405	-31,153	-56,741	1,303	83,292	26,619	52,484
cash and cash equivalents
cash	49,491	105,765	-253,471	237,184	29,563	-154,906	117,011	-73,415	-19,492	108,389	-94,301	38,830	52,005	-46,894	-9,365	82,138
overdraft	-77,353	91,465	-73,993	126,036	66,838	-184,600	-19,399	-33,012	237,011
change in cash	126,844	14,300	-179,478	111,148	-37,275	29,694	136,410	-40,403	-256,503	108,389	-94,301	38,830	52,005	-46,894	-9,365	82,138

Very Low Risk70 - 100

Low Risk50 - 70

Moderate Risk30 - 50

High Risk20 - 30

Very High Risk0 - 20

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EQUILIBRIUM FINANCE LIMITED group structure

Equilibrium Finance Limited has no subsidiary companies.

Ultimate parent company

EQUILIBRIUM FINANCE LIMITED

04804634

EQUILIBRIUM FINANCE LIMITED Shareholders

david christopher billingham	49.95%
robert david jones	49.95%
warren john wrigley holt	0.1%

Equilibrium Finance Limited currently has 2 directors. The longest serving directors include Mr Robert Jones (Jun 2003) and Mr David Billingham (Jun 2003).

officer	country	age	start	end	role
Mr Robert Jones	England	72 years	Jun 2003	-	Director
Mr David Billingham		64 years	Jun 2003	-	Director

P&L

July 2024

turnover

1.6m

+34%

operating profit

-28.5k

gross margin

45.2%

-17.13%

turnover

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

Balance Sheet

July 2024

net assets

1.2m

-0.04%

total assets

1.4m

-0.19%

cash

168.5k

+0.42%

net assets

Total assets minus all liabilities

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company number

04804634

Type

Private limited with Share Capital

industry

64910 - Financial leasing

incorporation date

June 2003

ultimate parent company

None

previous names

N/A

address

suite s31, northwich business centre, northwich, CW9 5BF

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equilibrium finance limited Company Information

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