Emerchantpay Limited

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emerchantpay limited Company Information

Live

MatureMegaHigh

Company Number

05153270

Website

www.emerchantpay.com

Registered Address

29 howard street, north shields, tyne and wear, NE30 1AR

Industry

Other financial service activities, except insurance and pension funding, (not including security dealing on own account and factoring) n.e.c.

Telephone

08000887624

Next Accounts Due

May 2025

Group Structure

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Directors

Stephen Dickson14 Years

Jonas Reynisson13 Years

View All

Shareholders

emerchantpay group ltd 100%

emerchantpay limited Estimated Valuation

£372.1m

Pomanda estimates the enterprise value of EMERCHANTPAY LIMITED at £372.1m based on a Turnover of £114.4m and 3.25x industry multiple (adjusted for size and gross margin).

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Emerchantpay Limited is a live company located in tyne and wear, NE30 1AR with a Companies House number of 05153270. It operates in the financial intermediation not elsewhere classified sector, SIC Code 64999. Founded in June 2004, it's largest shareholder is emerchantpay group ltd with a 100% stake. Emerchantpay Limited is a mature, mega sized company, Pomanda has estimated its turnover at £114.4m with high growth in recent years.

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Pomanda's financial health check has awarded Emerchantpay Limited a 4.5 rating. We use a traffic light system to show it exceeds the industry average on 5 measures and has 4 areas for improvement. Company Health Check FAQs

Health Rating4.5out of 5

5 Strong

3 Regular

4 Weak

Size

annual sales of £114.4m, make it larger than the average company (£4.5m)

Growth

3 year (CAGR) sales growth of 21%, show it is growing at a faster rate (4.2%)

EXPORT

Emerchantpay Limited's latest turnover from August 2023 is £114.4 million and the company has net assets of £47.9 million. According to their latest financial statements, Emerchantpay Limited has 16 employees and maintains cash reserves of £25.7 million as reported in the balance sheet.

Data source: Companies House, Pomanda Estimates

	Aug 2023	Aug 2022	Aug 2021	Aug 2020	Aug 2019	Aug 2018	Aug 2017	Aug 2016	Aug 2015	Aug 2014	Aug 2013	Aug 2012	Aug 2011	Aug 2010	Aug 2009
Turnover	114,368,929	108,360,826	110,574,680	63,922,953	56,487,570	63,523,224	37,624,629	31,141,038	28,792,463	16,927,958	13,106,949	8,116,818	8,603,169	10,316,056	25,000
Other Income Or Grants	0	0	0	0	0	0	0	0	0	0	0	0	0	0	0
Cost Of Sales	46,110,216	40,039,380	40,741,457	23,531,045	19,308,263	21,700,480	12,750,071	10,961,687	10,103,319	6,281,402	2,650,607	1,542,293	1,027,957	1,820,774	0
Gross Profit	68,258,713	68,321,446	69,833,224	40,391,908	37,179,307	41,822,744	24,874,558	20,179,351	18,689,143	10,646,556	10,456,342	6,574,525	7,575,212	8,495,282	25,000
Admin Expenses	65,932,388	63,168,495	62,872,435	36,368,214	31,208,477	35,418,018	20,594,456	15,278,087	14,680,892	7,803,146	8,245,009	5,488,381	6,313,923	5,572,689	9,323
Operating Profit	2,326,325	5,152,951	6,960,789	4,023,694	5,970,830	6,404,726	4,280,102	4,901,264	4,008,251	2,843,410	2,211,333	1,086,144	1,261,289	2,922,593	15,677
Interest Payable	68,285	226,977	145,025	39,642	25,428	85,919	30,153	9,577	0	6,289	3,621	32	96	0	0
Interest Receivable	1,554,957	334,620	145,015	183,724	140,250	9,872	26,035	41,655	19,457	524	932	264	1,219	216	14
Pre-Tax Profit	3,812,997	5,260,594	6,960,780	4,167,777	6,085,651	6,463,741	4,268,803	8,901,944	4,027,710	2,778,525	2,208,644	1,086,376	1,262,412	2,922,809	15,691
Tax	-891,111	-1,256,827	-1,315,118	-122,254	-820,242	-1,272,605	-802,671	-1,626,953	-829,951	-628,877	-551,726	-269,597	-544,133	-787,329	-3,295
Profit After Tax	2,921,886	4,003,767	5,645,662	4,045,523	5,265,409	5,191,136	3,466,131	7,274,992	3,197,758	2,149,648	1,656,918	816,779	718,279	2,135,480	12,396
Dividends Paid	0	0	0	0	0	0	0	0	0	1	312,344	0	0	0	0
Retained Profit	2,921,886	4,003,767	5,645,662	4,045,523	5,265,409	5,191,136	3,466,131	7,274,992	3,197,758	2,149,647	1,344,575	816,779	718,279	2,135,480	12,396
Employee Costs	1,976,213	1,753,345	1,068,097	691,608	904,966	522,290	360,420	405,751	442,759	247,792	0	0	41,573	3,298,977	0
Number Of Employees	16	11	6	6	6	4	5	5	5	3	3	3	2	60	0
EBITDA*	2,442,496	5,260,899	6,967,901	4,029,669	5,988,196	6,424,233	4,299,516	4,905,924	4,008,251	2,843,410	2,211,333	1,086,144	1,261,289	2,922,593	15,677

* Earnings Before Interest, Tax, Depreciation and Amortisation

	Aug 2023	Aug 2022	Aug 2021	Aug 2020	Aug 2019	Aug 2018	Aug 2017	Aug 2016	Aug 2015	Aug 2014	Aug 2013	Aug 2012	Aug 2011	Aug 2010	Aug 2009
Tangible Assets	17,965,448	13,834,719	14,056,560	14,327,169	12,949,651	12,293,604	10,086,323	8,451,281	2,680,358	827,171	0	0	0	0	0
Intangible Assets	130,234	212,825	136,606	10,389	10,522	14,631	33,976	51,274	0	0	0	0	0	0	0
Investments & Other	17,947,492	13,821,163	14,055,289	14,327,169	12,949,650	12,293,603	10,086,322	8,451,280	2,680,357	827,171	662,388	572,070	171,034	584,786	0
Debtors (Due After 1 year)	0	0	0	0	0	0	0	0	0	0	0	0	0	0	0
Total Fixed Assets	18,095,681	14,047,544	14,193,166	14,337,558	12,960,173	12,308,234	10,120,299	8,502,554	2,680,357	827,171	662,388	572,070	171,034	584,786	0
Stock & work in progress	462,626	403,623	535,456	216,631	263,912	119,798	13,453	17,749	0	0	0	0	0	0	0
Trade Debtors	10,401,814	7,522,720	8,481,674	6,614,380	4,435,411	6,449,796	5,554,261	3,479,355	3,846,923	2,584,442	1,786,195	947,523	639,260	801,547	24,732
Group Debtors	0	0	22,545,789	20,301,941	21,808,042	12,149,137	15,641,953	9,960,233	10,836,853	5,046,751	2,578,425	3,759,653	3,383,044	715,170	0
Misc Debtors	0	0	6,029,080	1,469,414	1,076,444	1,486,847	927,568	2,149,932	661,528	576,733	236,223	134,225	275,229	143,304	5
Cash	25,749,715	19,148,505	22,934,187	18,802,044	11,386,075	11,246,659	6,566,854	5,897,172	5,310,134	4,388,807	3,580,908	1,433,785	2,593,945	2,131,964	0
misc current assets	43,743,656	41,257,265	0	256,805	0	0	0	0	0	0	0	0	0	0	0
total current assets	80,357,813	68,544,088	60,696,755	48,352,490	38,969,885	31,452,239	28,704,090	21,504,443	20,655,439	12,596,735	8,181,752	6,275,188	6,891,479	3,791,985	24,737
total assets	98,453,494	82,591,632	74,889,921	62,690,048	51,930,058	43,760,473	38,824,389	30,006,997	23,335,796	13,423,906	8,844,140	6,847,258	7,062,513	4,376,771	24,737
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	1,762,603	1,690,995	1,635,580	1,146,394	445,867	375,898	14,724,165	280,044	258,883	161,228	111,683	239,841	135,345	19,918	0
Group/Directors Accounts	0	1	1	0	1	0	0	1	1	0	3,088,744	2,585,348	3,326,417	1,060,979	0
other short term finances	0	0	0	0	0	0	0	0	0	0	0	0	0	20,213	1,730
hp & lease commitments	0	0	0	0	0	0	0	0	0	0	0	0	0	0	0
other current liabilities	47,595,456	35,595,709	34,064,095	22,938,049	17,379,548	13,771,648	605,480	10,794,245	10,684,843	5,499,476	534,074	327,729	571,157	1,121,424	4,251
total current liabilities	49,358,062	37,286,705	35,699,678	24,084,445	17,825,417	14,147,547	15,329,646	11,074,291	10,943,728	5,660,706	3,734,501	3,152,919	4,032,920	2,222,534	5,981
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	2,388,246	1,984,908	2,166,248	1,476,910	1,416,016	962,250	687,614	596,534	0	0	0	1,480	0	0	0
total long term liabilities	1,194,123	992,454	1,083,124	738,455	708,008	481,125	343,807	298,267	0	0	0	1,480	0	0	0
total liabilities	50,552,185	38,279,159	36,782,802	24,822,900	18,533,425	14,628,672	15,673,453	11,372,558	10,943,728	5,660,706	3,734,501	3,154,399	4,032,920	2,222,534	5,981
net assets	47,901,309	44,312,473	38,107,119	37,867,148	33,396,633	29,131,801	23,150,936	18,634,439	12,392,068	7,763,201	5,109,639	3,692,859	3,029,592	2,154,237	18,756
total shareholders funds	47,901,309	44,312,472	38,107,119	37,867,147	33,396,633	29,131,801	23,150,936	18,634,438	12,392,069	7,763,201	5,109,639	3,692,859	3,029,592	2,154,237	18,756

	Aug 2023	Aug 2022	Aug 2021	Aug 2020	Aug 2019	Aug 2018	Aug 2017	Aug 2016	Aug 2015	Aug 2014	Aug 2013	Aug 2012	Aug 2011	Aug 2010	Aug 2009
Operating Activities
Operating Profit	2,326,325	5,152,951	6,960,789	4,023,694	5,970,830	6,404,726	4,280,102	4,901,264	4,008,251	2,843,410	2,211,333	1,086,144	1,261,289	2,922,593	15,677
Depreciation	4,738	2,049	489	0	0	0	0	0	0	0	0	0	0	0	0
Amortisation	111,433	105,899	6,624	5,975	17,366	19,507	19,414	4,660	0	0	0	0	0	0	0
Tax	-891,111	-1,256,827	-1,315,118	-122,254	-820,242	-1,272,605	-802,671	-1,626,953	-829,951	-628,877	-551,726	-269,597	-544,133	-787,329	-3,295
Stock	59,003	-131,833	318,825	-47,281	144,114	106,345	-4,296	17,749	0	0	0	0	0	0	0
Debtors	2,879,094	-29,533,824	8,670,808	1,065,839	7,234,117	-2,038,002	6,534,261	244,216	7,137,378	3,607,084	-240,559	543,869	2,637,512	1,635,284	24,737
Creditors	71,608	55,415	489,186	700,527	69,969	-14,348,267	14,444,122	21,160	97,655	49,546	-128,158	104,496	115,427	19,918	0
Accruals and Deferred Income	11,999,747	1,531,614	11,126,046	5,558,501	3,607,900	13,166,168	-10,188,765	109,402	5,185,367	4,965,402	206,345	-243,428	-550,267	1,117,173	4,251
Deferred Taxes & Provisions	403,338	-181,340	689,338	60,894	453,766	274,636	91,080	596,534	0	0	-1,480	1,480	0	0	0
Cash flow from operations	11,087,981	35,075,418	8,967,721	9,208,779	1,921,358	6,175,822	1,313,317	3,744,102	1,323,944	3,622,397	1,976,873	135,226	-2,355,196	1,637,071	-8,104
Investing Activities
capital expenditure	-4,164,309	37,674	137,279	-1,383,360	-669,304	-2,207,443	-1,637,159	-5,826,857	-1,853,187	-827,171	-62,628	-409,702	-345,081	-297,856	0
Change in Investments	4,126,329	-234,126	-271,880	1,377,519	656,047	2,207,281	1,635,042	5,770,923	1,853,186	164,783	90,318	401,036	-413,752	584,786	0
cash flow from investments	-8,290,638	271,800	409,159	-2,760,879	-1,325,351	-4,414,724	-3,272,201	-11,597,780	-3,706,373	-991,954	-152,946	-810,738	68,671	-882,642	0
Financing Activities
Bank loans	0	0	0	0	0	0	0	0	0	0	0	0	0	0	0
Group/Directors Accounts	0	0	1	-1	1	0	-1	0	1	-3,088,744	503,395	-741,069	2,265,438	1,060,979	0
Other Short Term Loans	0	0	0	0	0	0	0	0	0	0	0	0	-20,213	18,483	1,730
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	666,950	2,201,587	-5,405,691	424,991	-1,000,577	789,730	1,050,367	-1,032,622	1,431,110	503,915	72,205	-153,512	157,076	1	6,360
interest	1,486,672	107,643	-10	144,082	114,822	-76,047	-4,118	32,078	19,457	-5,765	-2,689	232	1,123	216	14
cash flow from financing	2,153,622	2,309,230	-5,405,700	569,072	-885,754	713,683	1,046,248	-1,000,544	1,450,568	-2,590,594	572,911	-894,349	2,403,424	1,079,679	8,104
cash and cash equivalents
cash	6,601,210	-3,785,682	4,132,143	7,415,969	139,416	4,679,805	669,682	587,038	921,327	807,899	2,147,123	-1,160,160	461,981	2,131,964	0
overdraft	0	0	0	0	0	0	0	0	0	0	0	0	0	0	0
change in cash	6,601,210	-3,785,682	4,132,143	7,415,969	139,416	4,679,805	669,682	587,038	921,327	807,899	2,147,123	-1,160,160	461,981	2,131,964	0

Very Low Risk70 - 100

Low Risk50 - 70

Moderate Risk30 - 50

High Risk20 - 30

Very High Risk0 - 20

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EMERCHANTPAY LIMITED group structure

Emerchantpay Limited has 3 subsidiary companies.

Ultimate parent company

EMERCHANTPAY GROUP LTD

#0049921

1 parent

EMERCHANTPAY LIMITED

05153270

3 subsidiaries

EMERCHANTPAY.COM LIMITED

06466993

EMPBILL LTD

07557959

EMPPAY LIMITED

06130484

EMERCHANTPAY LIMITED Shareholders

emerchantpay group ltd

100%

Emerchantpay Limited currently has 3 directors. The longest serving directors include Mr Stephen Dickson (Sep 2009) and Mr Jonas Reynisson (Jul 2011).

officer	country	age	start	end	role
Mr Stephen Dickson	United Kingdom	66 years	Sep 2009	-	Director
Mr Jonas Reynisson		63 years	Jul 2011	-	Director
Mr Alan Goslar	United Kingdom	77 years	May 2012	-	Director

P&L

August 2023

turnover

114.4m

+6%

operating profit

2.3m

-55%

gross margin

59.7%

-5.34%

turnover

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

Balance Sheet

August 2023

net assets

47.9m

+0.08%

total assets

98.5m

+0.19%

cash

25.7m

+0.34%

net assets

Total assets minus all liabilities

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company number

05153270

Type

Private limited with Share Capital

industry

64999 - Other financial service activities, except insurance and pension funding, (not including security dealing on own account and factoring) n.e.c.

incorporation date

June 2004

accounts

Group

ultimate parent company

EMERCHANTPAY GROUP LTD

previous names

interconsult europe limited (May 2008)

last accounts submitted

August 2023

address

29 howard street, north shields, tyne and wear, NE30 1AR

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 found 1 charges/mortgages relating to emerchantpay limited. Currently there are 0 open charges and 1 have been satisfied in the past.

emerchantpay limited Company Information

emerchantpay limited Estimated Valuation

emerchantpay limited Estimated Valuation

emerchantpay limited Estimated Valuation

Emerchantpay Limited Overview

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