Pomanda estimates the enterprise value of PARTNERSHIP HOME LOANS LIMITED at £449.4k based on a Turnover of £491.6k and 0.91x industry multiple (adjusted for size and gross margin).
partnership home loans limitedEstimated Valuation
£24.2k
Pomanda estimates the enterprise value of PARTNERSHIP HOME LOANS LIMITED at £24.2k based on an EBITDA of £6.9k and a 3.5x industry multiple (adjusted for size and gross margin).
partnership home loans limitedEstimated Valuation
£1m
Pomanda estimates the enterprise value of PARTNERSHIP HOME LOANS LIMITED at £1m based on Net Assets of £426.8k and 2.38x industry multiple (adjusted for liquidity).
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Partnership Home Loans LimitedOverview
Partnership Home Loans Limited is a live company located in surrey, RH2 7RP with a Companies House number of 05108846. It operates in the credit granting by non-deposit taking finance houses and other specialist consumer credit grantors sector, SIC Code 64921. Founded in April 2004, it's largest shareholder is
partnership group holdings limited
with a 100% stake. Partnership Home Loans Limited is a mature,
micro sized company, Pomanda has estimated its turnover at
£491.6k with
rapid
growth in recent years.
Pomanda's financial health check has awarded Partnership Home Loans Limited a 3 rating. We use a traffic light system to show it exceeds the industry average on 3 measures and has 4 areas for improvement. Company Health Check FAQs
Health Rating3out of 5
3 Strong
1 Regular
4 Weak
Size
annual sales of £491.6k, make it smaller than the average company (£21.1m)
£491.6k - Partnership Home Loans Limited
£21.1m - Industry AVG
Growth
3 year (CAGR) sales growth of 224%, show it is growing at a faster rate (23.3%)
224% - Partnership Home Loans Limited
23.3% - Industry AVG
Production
with a gross margin of 15.8%, this company has a comparable cost of product (15.8%)
15.8% - Partnership Home Loans Limited
15.8% - Industry AVG
Profitability
an operating margin of 1.4% make it less profitable than the average company (10.2%)
1.4% - Partnership Home Loans Limited
10.2% - Industry AVG
Employees
with 2 employees, this is below the industry average (12)
2 - Partnership Home Loans Limited
12 - Industry AVG
Pay Structure
There is insufficient data available for this Key Performance Indicator!
- - Partnership Home Loans Limited
- - Industry AVG
Efficiency
resulting in sales per employee of £245.8k, this is less efficient (£445.9k)
£245.8k - Partnership Home Loans Limited
£445.9k - Industry AVG
Debtor Days
There is insufficient data available for this Key Performance Indicator!
- - Partnership Home Loans Limited
- - Industry AVG
Creditor Days
There is insufficient data available for this Key Performance Indicator!
- - Partnership Home Loans Limited
- - Industry AVG
Stock Days
There is insufficient data available for this Key Performance Indicator!
- - Partnership Home Loans Limited
- - Industry AVG
Cash Balance
has cash to cover current liabilities
for 140 weeks, this is more cash available to meet short term requirements (5 weeks)
140 weeks - Partnership Home Loans Limited
5 weeks - Industry AVG
Debt Level
it has a ratio of liabilities to total assets of 36.9%, this is a lower level of debt than the average (100%)
36.9% - Partnership Home Loans Limited
100% - Industry AVG
PARTNERSHIP HOME LOANS LIMITED financials
EXPORT
Partnership Home Loans Limited's latest turnover from December 2024 is £491.6 thousand and the company has net assets of £426.8 thousand. According to their latest financial statements, we estimate that Partnership Home Loans Limited has 2 employees and maintains cash reserves of £676.2 thousand as reported in the balance sheet.
Data source:Companies House, Pomanda Estimates
Dec 2024
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
491,588
405,312
391,139
14,422
18,753
53,625
84,445
118,503
738,688
527,400
1,872,060
2,759,010
1,191,173
706,912
35,614
114,339
Other Income Or Grants
Cost Of Sales
414,018
336,585
318,585
11,531
14,407
40,840
58,840
63,473
297,935
158,850
598,159
1,055,654
471,095
329,900
16,213
Gross Profit
77,570
68,727
72,554
2,891
4,346
12,785
25,605
55,030
440,753
368,550
1,273,901
1,703,356
720,078
377,012
19,401
Admin Expenses
70,677
45,682
57,797
270,517
447,458
481,257
490,226
504,865
527,751
571,791
1,226,254
1,512,179
931,634
244,215
-11,659
-44,528
Operating Profit
6,893
23,045
14,757
-267,626
-443,112
-468,472
-464,621
-449,835
-86,998
-203,241
47,647
191,177
-211,556
132,797
31,060
44,528
Interest Payable
1,767
1,925
1,925
1,993
Interest Receivable
46,752
7,470
Pre-Tax Profit
53,645
30,515
14,757
-331,348
-553,513
-584,007
-572,788
-528,421
-107,049
-248,971
55,752
192,821
-218,745
126,699
24,363
41,398
Tax
-17,833
-2,749
722
66,187
110,543
116,211
109,271
80,526
21,749
50,689
-11,983
-44,824
9
-33,575
-6,821
-11,591
Profit After Tax
35,812
27,766
15,479
-265,161
-442,970
-467,796
-463,517
-447,895
-85,300
-198,282
43,769
147,997
-218,736
93,124
17,542
29,807
Dividends Paid
Retained Profit
35,812
27,766
15,479
-265,161
-442,970
-467,796
-463,517
-447,895
-85,300
-198,282
43,769
147,997
-218,736
93,124
17,542
29,807
Employee Costs
65,237
130,289
119,510
Number Of Employees
2
1
2
1
1
1
1
1
6
4
14
12
5
3
1
EBITDA*
6,893
23,045
14,757
-267,626
-443,112
-468,472
-464,621
-449,835
-86,998
-203,241
47,647
191,177
-211,556
132,797
31,060
44,528
* Earnings Before Interest, Tax, Depreciation and Amortisation
Dec 2024
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
Investments & Other
Debtors (Due After 1 year)
Total Fixed Assets
Stock & work in progress
Trade Debtors
Group Debtors
11,676
66,909
94,955
440,003
683,118
439,384
324,800
254,062
252,297
252,297
252,297
252,297
220,000
220,000
33,732
Misc Debtors
23,313
36
658
658
116,983
103,912
33,292
112,500
112,500
142,500
Cash
676,173
1,353,823
2,010,998
1,799,553
172,227
112,139
68,042
226,383
549,749
808,464
1,175,135
1,927,665
75,219
3,325
178,109
misc current assets
total current assets
676,173
1,365,499
2,101,220
1,894,544
612,888
795,915
624,409
655,095
837,103
1,060,761
1,427,432
2,292,462
364,797
437,719
223,325
211,841
total assets
676,173
1,365,499
2,101,220
1,894,544
612,888
795,915
624,409
655,095
837,103
1,060,761
1,427,432
2,292,462
364,797
437,719
223,325
211,841
Bank overdraft
116,700
Bank loan
Trade Creditors
Group/Directors Accounts
1,733,563
other short term finances
hp & lease commitments
other current liabilities
249,389
974,527
4,451
1,546,817
240,057
50,755
67,924
252,037
940,395
1,108,784
2,017,583
121,215
142,101
20,831
26,889
total current liabilities
249,389
974,527
1,738,014
1,546,817
240,057
50,755
67,924
252,037
940,395
1,108,784
2,017,583
237,915
142,101
20,831
26,889
loans
110,000
110,000
110,000
hp & lease commitments
Accruals and Deferred Income
other liabilities
provisions
total long term liabilities
55,000
55,000
55,000
total liabilities
249,389
974,527
1,738,014
1,546,817
240,057
50,755
67,924
252,037
940,395
1,108,784
2,017,583
237,915
197,101
75,831
81,889
net assets
426,784
390,972
363,206
347,727
612,888
555,858
573,654
587,171
585,066
120,366
318,648
274,879
126,882
240,618
147,494
129,952
total shareholders funds
426,784
390,972
363,206
347,727
612,888
555,858
573,654
587,171
585,066
120,366
318,648
274,879
126,882
240,618
147,494
129,952
Dec 2024
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
6,893
23,045
14,757
-267,626
-443,112
-468,472
-464,621
-449,835
-86,998
-203,241
47,647
191,177
-211,556
132,797
31,060
44,528
Depreciation
Amortisation
Tax
-17,833
-2,749
722
66,187
110,543
116,211
109,271
80,526
21,749
50,689
-11,983
-44,824
9
-33,575
-6,821
-11,591
Stock
Debtors
-11,676
-78,546
-4,769
-345,670
-243,115
127,409
127,655
141,358
35,057
-112,500
2,297
142,500
186,268
33,732
Creditors
Accruals and Deferred Income
-725,138
970,076
-1,542,366
1,546,817
-240,057
189,302
-17,169
-184,113
-688,358
-168,389
-908,799
1,896,368
-20,886
121,270
-6,058
26,889
Deferred Taxes & Provisions
Cash flow from operations
-724,402
1,068,918
-1,522,118
1,691,048
-329,511
-290,368
-500,174
-694,780
-788,664
-320,941
-760,635
2,042,721
-234,730
77,992
-168,087
26,094
Investing Activities
capital expenditure
Change in Investments
cash flow from investments
Financing Activities
Bank loans
Group/Directors Accounts
-1,733,563
1,733,563
Other Short Term Loans
Long term loans
-110,000
110,000
Hire Purchase and Lease Commitments
other long term liabilities
share issue
500,000
450,000
450,000
450,000
550,000
105,000
100,145
interest
46,752
7,470
-1,767
-1,925
-1,925
-1,993
cash flow from financing
46,752
-1,726,093
1,733,563
500,000
450,000
450,000
450,000
550,000
-6,767
-1,925
-1,925
208,152
cash and cash equivalents
cash
-677,650
-657,175
211,445
1,627,326
60,088
44,097
-158,341
-323,366
-258,715
-366,671
-752,530
1,927,665
-75,219
71,894
-174,784
178,109
overdraft
-116,700
116,700
change in cash
-677,650
-657,175
211,445
1,627,326
60,088
44,097
-158,341
-323,366
-258,715
-366,671
-752,530
2,044,365
-191,919
71,894
-174,784
178,109
partnership home loans limited Credit Report and Business Information
Very Low Risk70 - 100
Low Risk50 - 70
Moderate Risk30 - 50
High Risk20 - 30
Very High Risk0 - 20
Get a comprehensive credit check for partnership home loans limited. Get real-time insights into partnership home loans limited's credit score, group structure and payment trends.
Partnership Home Loans Limited Competitor Analysis
Perform a competitor analysis for partnership home loans limited by selecting its closest rivals, whether from the FINANCIAL AND INSURANCE ACTIVITIES sector, other micro companies, companies in RH2 area or any other competitors across 12 key performance metrics.
partnership home loans limited Ownership
PARTNERSHIP HOME LOANS LIMITED group structure
Partnership Home Loans Limited has no subsidiary companies.
The sole shareholder of Partnership Home Loans Limited is Partnership Group Holdings Limited.
partnership group holdings limited
100%
partnership home loans limited directors
Partnership Home Loans Limited currently has 5 directors.
The longest serving directors include
Mr Paul Turner (Apr 2016) and
Ms Mary Phibbs (Jan 2023).
enterprise house bancroft road, reigate, surrey, RH2 7RP
Bank
LLOYDS BANKING GROUP PLC
Legal Advisor
-
partnership home loans 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 partnership home loans limited.
partnership home loans limited Capital Raised & Share Issues BETA
When a company issues new shares, e.g. to new investors following a funding round, it is required to notify Companies House within one month of making an allotment of shares.
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partnership home loans limitedCompanies House Filings - See Documents
