ipf financing limited
ipf financing limited Company Information
Company Number
05001293
Next Accounts
Sep 2025
Shareholders
international personal finance investments ltd
ipf international limited
Group Structure
View All
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.
Registered Address
26 whitehall road, leeds, LS12 1BE
Website
www.ipfin.co.ukipf financing limited Estimated Valuation
Pomanda estimates the enterprise value of IPF FINANCING LIMITED at £0 based on a Turnover of £0 and 1.19x industry multiple (adjusted for size and gross margin).
ipf financing limited Estimated Valuation
Pomanda estimates the enterprise value of IPF FINANCING LIMITED at £2.8m based on an EBITDA of £648.8k and a 4.33x industry multiple (adjusted for size and gross margin).
ipf financing limited Estimated Valuation
Pomanda estimates the enterprise value of IPF FINANCING LIMITED at £7.2m based on Net Assets of £3.8m and 1.89x industry multiple (adjusted for liquidity).
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Ipf Financing Limited Overview
Ipf Financing Limited is a live company located in leeds, LS12 1BE with a Companies House number of 05001293. It operates in the other credit granting n.e.c. sector, SIC Code 64929. Founded in December 2003, it's largest shareholder is international personal finance investments ltd with a 70% stake. Ipf Financing Limited is a mature, unknown sized company, Pomanda has estimated its turnover at £0 with unknown growth in recent years.
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Ipf Financing Limited Health Check
There is insufficient data available to calculate a health check for Ipf Financing Limited. Company Health Check FAQs
0 Strong
0 Regular
3 Weak
Size
There is insufficient data available for this Key Performance Indicator!
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- - Industry AVG
Growth
There is insufficient data available for this Key Performance Indicator!
- Ipf Financing Limited
- - Industry AVG
Production
There is insufficient data available for this Key Performance Indicator!
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- - Industry AVG
Profitability
There is insufficient data available for this Key Performance Indicator!
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- - Industry AVG
Employees
with 1 employees, this is below the industry average (5)
- Ipf Financing Limited
- - Industry AVG
Pay Structure
There is insufficient data available for this Key Performance Indicator!
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- - Industry AVG
Efficiency
There is insufficient data available for this Key Performance Indicator!
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- - Industry AVG
Debtor Days
There is insufficient data available for this Key Performance Indicator!
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- - Industry AVG
Creditor Days
There is insufficient data available for this Key Performance Indicator!
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- - Industry AVG
Stock Days
There is insufficient data available for this Key Performance Indicator!
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- - Industry AVG
Cash Balance
has cash to cover current liabilities for 1 weeks, this is less cash available to meet short term requirements (9 weeks)
- - Ipf Financing Limited
- - Industry AVG
Debt Level
it has a ratio of liabilities to total assets of 98.8%, this is a higher level of debt than the average (89.5%)
- - Ipf Financing Limited
- - Industry AVG
IPF FINANCING LIMITED financials
Ipf Financing Limited's latest turnover from December 2023 is 0 and the company has net assets of £3.8 million. According to their latest financial statements, we estimate that Ipf Financing Limited has 1 employee and maintains cash reserves of £6.3 million as reported in the balance sheet.
Data source: Companies House, Pomanda Estimates
| Dec 2023 | Dec 2022 | Dec 2021 | Dec 2020 | Dec 2019 | Dec 2018 | Dec 2017 | Dec 2016 | Dec 2015 | Dec 2014 | Dec 2013 | Dec 2012 | Dec 2011 | Dec 2010 | Dec 2009 | |
|---|---|---|---|---|---|---|---|---|---|---|---|---|---|---|---|
| Turnover | |||||||||||||||
| Other Income Or Grants | |||||||||||||||
| Cost Of Sales | |||||||||||||||
| Gross Profit | |||||||||||||||
| Admin Expenses | -22,994 | ||||||||||||||
| Operating Profit | 648,796 | -12,568,721 | -384,249 | -61,708 | -112,369 | -39,693 | -5,212,620 | -32,764 | 22,994 | -4,927 | 14,261 | -52,256 | -24,243 | -3,593 | -1,308 |
| Interest Payable | 37,258,836 | 40,822,947 | 28,489,831 | 21,201,183 | 31,236,912 | 33,117,727 | 34,786,465 | 8,956,876 | 6,977,088 | 3,654,430 | 12,226,884 | 20,637,754 | 20,728,262 | 9,835,159 | |
| Interest Receivable | 53,553,867 | 54,651,698 | 59,013,414 | 51,770,921 | 51,845,577 | 56,805,593 | 58,900,777 | 29,318,161 | 31,622,731 | 25,140,839 | 19,078,257 | 21,507,907 | 21,688,542 | 10,282,598 | 6 |
| Pre-Tax Profit | 16,943,828 | 1,260,031 | 30,139,334 | 30,508,030 | 20,496,297 | 23,648,173 | 18,901,692 | 30,422,386 | 15,307,547 | 1,382,935 | 6,865,634 | 819,539 | 936,037 | 443,846 | -1,302 |
| Tax | -1,448,694 | -1,301,861 | -1,201,212 | -213,863 | -182,174 | -149,752 | -102,423 | -53,130 | -1,780,406 | 2,687,033 | -247,833 | -53,242 | -399,609 | -200,354 | 364 |
| Profit After Tax | 15,495,134 | -41,830 | 28,938,122 | 30,294,167 | 20,314,123 | 23,498,421 | 18,799,268 | 30,369,255 | 13,527,141 | 4,069,968 | 6,617,802 | 766,296 | 536,428 | 243,492 | -938 |
| Dividends Paid | 21,341,984 | 55,489,158 | 69,234,098 | 45,105,999 | |||||||||||
| Retained Profit | -5,846,850 | -55,530,989 | -40,295,976 | 30,294,167 | 20,314,123 | -21,607,578 | 18,799,268 | 30,369,255 | 13,527,141 | 4,069,968 | 6,617,802 | 766,296 | 536,428 | 243,492 | -938 |
| Employee Costs | |||||||||||||||
| Number Of Employees | 3 | 3 | |||||||||||||
| EBITDA* | 648,796 | -12,568,721 | -384,249 | -61,708 | -112,369 | -39,693 | -5,212,620 | -32,764 | 22,994 | -4,927 | 14,261 | -52,256 | -24,243 | -3,593 | -1,308 |
* Earnings Before Interest, Tax, Depreciation and Amortisation
| Dec 2023 | Dec 2022 | Dec 2021 | Dec 2020 | Dec 2019 | Dec 2018 | Dec 2017 | Dec 2016 | Dec 2015 | Dec 2014 | Dec 2013 | Dec 2012 | Dec 2011 | Dec 2010 | Dec 2009 | |
|---|---|---|---|---|---|---|---|---|---|---|---|---|---|---|---|
| Tangible Assets | |||||||||||||||
| Intangible Assets | 45,864 | 54,243 | 50,760 | ||||||||||||
| Investments & Other | 44,391 | 229,338 | 903 | 247,828 | 1 | 1,076,621 | 1 | ||||||||
| Debtors (Due After 1 year) | 10,330,175 | 9,974,394 | 29,118,037 | 20,265,254 | 14,140,592 | 28,611,127 | 18,006,993 | 23,325,653 | 7,272,776 | ||||||
| Total Fixed Assets | 44,391 | 229,338 | 10,331,078 | 10,222,222 | 29,118,038 | 20,265,254 | 15,217,213 | 28,611,128 | 18,006,993 | 23,371,517 | 7,327,019 | 50,760 | |||
| Stock & work in progress | |||||||||||||||
| Trade Debtors | |||||||||||||||
| Group Debtors | 313,462,523 | 324,329,008 | 410,932,929 | 454,738,799 | 581,551,034 | 623,635,543 | 701,069,044 | 624,245,993 | 514,166,871 | 267,033,752 | 139,336,024 | 173,134,882 | 141,139,228 | 200,178,952 | 364 |
| Misc Debtors | 1,440,157 | 2,268,226 | 141,064 | 15,323 | 552,097 | 184,727 | 2,864,606 | 1,921,655 | 3,188,798 | 1,061,596 | 1,821,709 | 9,519,049 | 447,856 | ||
| Cash | 6,308,690 | 9,823,288 | 5,672,869 | 19,382,079 | 513,323 | 1,375,733 | 2,797,439 | 1,726,733 | 2,899,729 | 4,815,636 | 14,907 | 36,303 | 66,418 | 89,972 | 6,304 |
| misc current assets | |||||||||||||||
| total current assets | 321,211,371 | 336,420,522 | 416,746,863 | 474,120,879 | 582,079,680 | 625,563,374 | 704,051,212 | 628,837,333 | 518,988,257 | 275,038,187 | 140,412,528 | 174,992,894 | 150,724,696 | 200,716,780 | 6,668 |
| total assets | 321,255,762 | 336,420,522 | 416,976,201 | 474,120,879 | 582,079,680 | 635,894,452 | 714,273,434 | 657,955,371 | 539,253,511 | 290,255,400 | 169,023,656 | 192,999,888 | 174,096,213 | 208,043,799 | 57,428 |
| Bank overdraft | |||||||||||||||
| Bank loan | |||||||||||||||
| Trade Creditors | 3,475,781 | ||||||||||||||
| Group/Directors Accounts | 315,918,559 | 325,237,323 | 345,234,098 | 365,782,756 | 503,277,433 | 578,689,220 | 634,020,119 | 597,347,915 | 512,651,720 | 275,560,483 | 159,390,250 | 189,728,178 | 173,424,473 | 205,741,585 | 10,972 |
| other short term finances | 6,215,491 | 3,708,368 | 126,296 | 1,620,484 | |||||||||||
| hp & lease commitments | |||||||||||||||
| other current liabilities | 1,532,354 | 1,361,618 | 1,148,499 | 367,906 | 1,517,615 | 1,794,596 | 1,262,702 | 350,098 | 3,221,155 | 1,128 | |||||
| total current liabilities | 317,450,913 | 326,598,941 | 351,449,589 | 369,491,124 | 506,753,214 | 578,815,516 | 635,640,604 | 598,496,414 | 513,019,627 | 277,078,098 | 161,184,846 | 190,990,880 | 173,774,571 | 208,962,740 | 12,100 |
| loans | |||||||||||||||
| hp & lease commitments | |||||||||||||||
| Accruals and Deferred Income | |||||||||||||||
| other liabilities | |||||||||||||||
| provisions | 9,390 | 113,271 | 188,133 | 152,306 | |||||||||||
| total long term liabilities | 9,390 | 113,271 | 188,133 | 152,307 | |||||||||||
| total liabilities | 317,450,913 | 326,608,332 | 351,449,589 | 369,604,396 | 506,941,347 | 578,815,516 | 635,640,604 | 598,648,720 | 513,019,627 | 277,078,098 | 161,184,846 | 190,990,880 | 173,774,571 | 208,962,740 | 12,100 |
| net assets | 3,804,849 | 9,812,191 | 65,526,612 | 104,516,484 | 75,138,333 | 57,078,935 | 78,632,830 | 59,306,650 | 26,233,884 | 13,177,301 | 7,838,810 | 2,009,007 | 321,642 | -918,941 | 45,328 |
| total shareholders funds | 3,804,849 | 9,812,191 | 65,526,612 | 104,516,484 | 75,138,333 | 57,078,935 | 78,632,830 | 59,306,650 | 26,233,884 | 13,177,301 | 7,838,810 | 2,009,007 | 321,642 | -918,941 | 45,328 |
| Dec 2023 | Dec 2022 | Dec 2021 | Dec 2020 | Dec 2019 | Dec 2018 | Dec 2017 | Dec 2016 | Dec 2015 | Dec 2014 | Dec 2013 | Dec 2012 | Dec 2011 | Dec 2010 | Dec 2009 | |
|---|---|---|---|---|---|---|---|---|---|---|---|---|---|---|---|
| Operating Activities | |||||||||||||||
| Operating Profit | 648,796 | -12,568,721 | -384,249 | -61,708 | -112,369 | -39,693 | -5,212,620 | -32,764 | 22,994 | -4,927 | 14,261 | -52,256 | -24,243 | -3,593 | -1,308 |
| Depreciation | |||||||||||||||
| Amortisation | |||||||||||||||
| Tax | -1,448,694 | -1,301,861 | -1,201,212 | -213,863 | -182,174 | -149,752 | -102,423 | -53,130 | -1,780,406 | 2,687,033 | -247,833 | -53,242 | -399,609 | -200,354 | 364 |
| Stock | |||||||||||||||
| Debtors | -11,694,554 | -84,476,759 | -43,664,806 | -126,827,558 | -52,951,458 | -76,710,351 | 54,999,530 | 119,874,855 | 251,990,639 | 115,354,394 | -23,954,836 | 18,979,654 | -33,915,654 | 207,899,220 | 364 |
| Creditors | -3,475,781 | 3,475,781 | |||||||||||||
| Accruals and Deferred Income | 170,736 | 1,361,618 | -1,148,499 | 780,593 | -1,149,709 | -276,981 | 531,894 | 912,604 | -2,871,057 | 3,220,027 | 1,128 | ||||
| Deferred Taxes & Provisions | -9,390 | 9,390 | -113,271 | -74,862 | 188,133 | -152,306 | 152,306 | ||||||||
| Cash flow from operations | 11,056,002 | 71,977,185 | 41,966,074 | 123,001,344 | 56,320,829 | 76,520,906 | -61,615,378 | -119,027,850 | -254,897,760 | -112,949,269 | 24,253,158 | -18,172,548 | 30,620,745 | -204,883,140 | -180 |
| Investing Activities | |||||||||||||||
| capital expenditure | |||||||||||||||
| Change in Investments | 44,391 | -229,338 | 229,338 | -903 | -246,925 | 247,828 | 1 | -1,076,621 | 1,076,620 | 1 | |||||
| cash flow from investments | |||||||||||||||
| Financing Activities | |||||||||||||||
| Bank loans | |||||||||||||||
| Group/Directors Accounts | -9,318,764 | -19,996,775 | -20,548,658 | -137,494,677 | -75,411,787 | -55,330,899 | 36,672,204 | 84,696,194 | 237,091,238 | 116,170,233 | -30,337,928 | 16,303,705 | -32,317,112 | 205,730,613 | 10,972 |
| Other Short Term Loans | -6,215,491 | 2,507,123 | 3,708,368 | -126,296 | -1,494,188 | 1,620,484 | |||||||||
| Long term loans | |||||||||||||||
| Hire Purchase and Lease Commitments | |||||||||||||||
| other long term liabilities | |||||||||||||||
| share issue | |||||||||||||||
| interest | 16,295,031 | 13,828,751 | 30,523,583 | 30,569,738 | 20,608,665 | 23,687,866 | 24,114,312 | 20,361,285 | 24,645,643 | 21,486,409 | 6,851,373 | 870,153 | 960,280 | 447,439 | 6 |
| cash flow from financing | 6,815,775 | -12,566,947 | 13,788,152 | -104,132,588 | -57,184,143 | -33,083,538 | 62,933,912 | 107,760,991 | 261,266,322 | 138,925,165 | -24,274,554 | 18,094,927 | -30,652,677 | 204,970,291 | 57,244 |
| cash and cash equivalents | |||||||||||||||
| cash | -3,514,598 | 4,150,419 | -13,709,211 | 18,868,757 | -862,410 | -1,421,706 | 1,070,706 | -1,172,996 | -1,915,907 | 4,800,729 | -21,396 | -30,116 | -23,554 | 83,668 | 6,304 |
| overdraft | |||||||||||||||
| change in cash | -3,514,598 | 4,150,419 | -13,709,211 | 18,868,757 | -862,410 | -1,421,706 | 1,070,706 | -1,172,996 | -1,915,907 | 4,800,729 | -21,396 | -30,116 | -23,554 | 83,668 | 6,304 |
ipf financing limited Credit Report and Business Information
Ipf Financing Limited Competitor Analysis
Perform a competitor analysis for ipf financing limited by selecting its closest rivals, whether from the FINANCIAL AND INSURANCE ACTIVITIES sector, other mature companies, companies in LS12 area or any other competitors across 12 key performance metrics.
ipf financing limited Ownership
IPF FINANCING LIMITED group structure
Ipf Financing Limited has no subsidiary companies.
Ultimate parent company
2 parents
IPF FINANCING LIMITED
05001293
ipf financing limited directors
Ipf Financing Limited currently has 3 directors. The longest serving directors include Mr Gary Thompson (Feb 2023) and Mr Thomas Crane (Feb 2023).
| officer | country | age | start | end | role |
|---|---|---|---|---|---|
| Mr Gary Thompson | 51 years | Feb 2023 | - | Director | |
| Mr Thomas Crane | United Kingdom | 52 years | Feb 2023 | - | Director |
| Mr Douglas Kleppen | 57 years | Feb 2023 | - | Director |
P&L
December 2023turnover
0
0%
operating profit
648.8k
-105%
gross margin
0%
0%
turnover
Turnover, or revenue, is the amount of sales generated by a company within the financial year.
Balance Sheet
December 2023net assets
3.8m
-0.61%
total assets
321.3m
-0.05%
cash
6.3m
-0.36%
net assets
Total assets minus all liabilities
ipf financing limited company details
company number
05001293
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
December 2003
age
22
incorporated
UK
ultimate parent company
accounts
Full Accounts
last accounts submitted
December 2023
previous names
ipf management services limited (April 2010)
pf financial services limited (July 2007)
accountant
-
auditor
DELOITTE LLP
address
26 whitehall road, leeds, LS12 1BE
Bank
-
Legal Advisor
-
ipf financing 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 ipf financing limited.
ipf financing limited Capital Raised & Share Issues BETA
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ipf financing limited Companies House Filings - See Documents
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