advantis credit limited
advantis credit limited Company Information
Company Number
05223252
Next Accounts
Sep 2025
Shareholders
cder group international limited
Group Structure
View All
Industry
Other financial service activities, except insurance and pension funding, (not including security dealing on own account and factoring) n.e.c.
Registered Address
floor 9 peninsular house, 30-36 monument street, london, EC3R 8LJ
Website
www.advantiscredit.co.ukadvantis credit limited Estimated Valuation
Pomanda estimates the enterprise value of ADVANTIS CREDIT LIMITED at £13.3m based on a Turnover of £12.3m and 1.08x industry multiple (adjusted for size and gross margin).
advantis credit limited Estimated Valuation
Pomanda estimates the enterprise value of ADVANTIS CREDIT LIMITED at £4.8m based on an EBITDA of £1.3m and a 3.72x industry multiple (adjusted for size and gross margin).
advantis credit limited Estimated Valuation
Pomanda estimates the enterprise value of ADVANTIS CREDIT LIMITED at £4.9m based on Net Assets of £3.7m and 1.31x industry multiple (adjusted for liquidity).
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Advantis Credit Limited Overview
Advantis Credit Limited is a live company located in london, EC3R 8LJ with a Companies House number of 05223252. It operates in the financial intermediation not elsewhere classified sector, SIC Code 64999. Founded in September 2004, it's largest shareholder is cder group international limited with a 100% stake. Advantis Credit Limited is a mature, mid sized company, Pomanda has estimated its turnover at £12.3m with high growth in recent years.
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Advantis Credit Limited Health Check
Pomanda's financial health check has awarded Advantis Credit Limited a 4 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
5 Strong
2 Regular
4 Weak
Size
annual sales of £12.3m, make it larger than the average company (£5.6m)
£12.3m - Advantis Credit Limited
£5.6m - Industry AVG
Growth
3 year (CAGR) sales growth of 19%, show it is growing at a faster rate (4.9%)
19% - Advantis Credit Limited
4.9% - Industry AVG
Production
with a gross margin of 18.9%, this company has a higher cost of product (54%)
18.9% - Advantis Credit Limited
54% - Industry AVG
Profitability
an operating margin of 8.4% make it as profitable than the average company (9.1%)
8.4% - Advantis Credit Limited
9.1% - Industry AVG
Employees
with 245 employees, this is above the industry average (14)
245 - Advantis Credit Limited
14 - Industry AVG
Pay Structure
on an average salary of £25.3k, the company has a lower pay structure (£82.9k)
£25.3k - Advantis Credit Limited
£82.9k - Industry AVG
Efficiency
resulting in sales per employee of £50.4k, this is less efficient (£223.8k)
£50.4k - Advantis Credit Limited
£223.8k - Industry AVG
Debtor Days
it gets paid by customers after 37 days, this is near the average (33 days)
37 days - Advantis Credit Limited
33 days - Industry AVG
Creditor Days
its suppliers are paid after 7 days, this is quicker than average (46 days)
7 days - Advantis Credit Limited
46 days - Industry AVG
Stock Days
There is insufficient data available for this Key Performance Indicator!
- - Advantis Credit Limited
- - Industry AVG
Cash Balance
has cash to cover current liabilities for 56 weeks, this is more cash available to meet short term requirements (29 weeks)
56 weeks - Advantis Credit Limited
29 weeks - Industry AVG
Debt Level
it has a ratio of liabilities to total assets of 81.1%, this is a higher level of debt than the average (71.4%)
81.1% - Advantis Credit Limited
71.4% - Industry AVG
ADVANTIS CREDIT LIMITED financials
Advantis Credit Limited's latest turnover from December 2023 is £12.3 million and the company has net assets of £3.7 million. According to their latest financial statements, Advantis Credit Limited has 245 employees and maintains cash reserves of £17.3 million as reported in the balance sheet.
Data source: Companies House, Pomanda Estimates
| Dec 2023 | Dec 2022 | Dec 2021 | Sep 2020 | Sep 2019 | Sep 2018 | Sep 2017 | Sep 2016 | Sep 2015 | Sep 2014 | Sep 2013 | Sep 2012 | Sep 2011 | Sep 2010 | Sep 2009 | |
|---|---|---|---|---|---|---|---|---|---|---|---|---|---|---|---|
| Turnover | 12,343,417 | 11,324,283 | 10,863,425 | 7,312,150 | 9,763,878 | 8,878,515 | 9,454,742 | ||||||||
| Other Income Or Grants | |||||||||||||||
| Cost Of Sales | 10,006,723 | 7,577,153 | 8,095,906 | 6,065,132 | 7,069,191 | 6,264,905 | 6,575,200 | ||||||||
| Gross Profit | 2,336,694 | 3,747,130 | 2,767,519 | 1,247,018 | 2,694,687 | 2,613,610 | 2,879,542 | ||||||||
| Admin Expenses | 1,304,408 | 911,538 | 844,693 | 388,149 | 335,085 | 678,715 | 1,027,721 | ||||||||
| Operating Profit | 1,032,286 | 2,835,592 | 1,922,826 | 858,869 | 2,359,602 | 1,934,895 | 1,851,821 | ||||||||
| Interest Payable | 20,346 | 16,886 | 25,374 | 6,012 | |||||||||||
| Interest Receivable | 67,280 | 11,201 | 402 | 8,936 | 7,718 | 2,336 | 649 | ||||||||
| Pre-Tax Profit | 1,079,220 | 2,829,907 | 1,897,854 | 861,793 | 2,367,320 | 2,134,243 | 1,852,470 | ||||||||
| Tax | -249,633 | -546,317 | -366,590 | -167,444 | -449,555 | -404,890 | -360,992 | ||||||||
| Profit After Tax | 829,587 | 2,283,590 | 1,531,264 | 694,349 | 1,917,765 | 1,729,353 | 1,491,478 | ||||||||
| Dividends Paid | 1,900,000 | 720,000 | 2,100,000 | 2,500,000 | 200,000 | 500,000 | 300,000 | ||||||||
| Retained Profit | -1,070,413 | 1,563,590 | -568,736 | -1,805,651 | 1,717,765 | 1,229,353 | 1,191,478 | ||||||||
| Employee Costs | 6,194,766 | 4,569,457 | 5,598,176 | 4,504,597 | 4,760,414 | 4,465,888 | 4,991,213 | ||||||||
| Number Of Employees | 245 | 189 | 207 | 218 | 243 | 241 | 262 | 241 | |||||||
| EBITDA* | 1,288,815 | 3,084,686 | 2,246,918 | 1,001,164 | 2,407,966 | 1,974,699 | 1,910,496 |
* Earnings Before Interest, Tax, Depreciation and Amortisation
| Dec 2023 | Dec 2022 | Dec 2021 | Sep 2020 | Sep 2019 | Sep 2018 | Sep 2017 | Sep 2016 | Sep 2015 | Sep 2014 | Sep 2013 | Sep 2012 | Sep 2011 | Sep 2010 | Sep 2009 | |
|---|---|---|---|---|---|---|---|---|---|---|---|---|---|---|---|
| Tangible Assets | 416,221 | 536,780 | 764,002 | 1,043,482 | 136,433 | 72,176 | 75,245 | 87,999 | 112,355 | 198,687 | 268,594 | 179,381 | 147,989 | 130,806 | 142,787 |
| Intangible Assets | |||||||||||||||
| Investments & Other | |||||||||||||||
| Debtors (Due After 1 year) | |||||||||||||||
| Total Fixed Assets | 416,221 | 536,780 | 764,002 | 1,043,482 | 136,433 | 72,176 | 75,245 | 87,999 | 112,355 | 198,687 | 268,594 | 179,381 | 147,989 | 130,806 | 142,787 |
| Stock & work in progress | |||||||||||||||
| Trade Debtors | 1,282,762 | 1,042,090 | 828,662 | 578,428 | 983,979 | 827,267 | 1,055,680 | 730,809 | 1,040,544 | 908,706 | 1,392,094 | 1,003,824 | 791,653 | 543,180 | 526,809 |
| Group Debtors | 84,509 | 74,622 | 74,975 | ||||||||||||
| Misc Debtors | 705,314 | 462,445 | 573,626 | 637,510 | 470,292 | 561,889 | 556,893 | 722,062 | |||||||
| Cash | 17,251,233 | 10,897,973 | 8,164,706 | 15,943,291 | 11,409,594 | 7,410,439 | 7,576,687 | 2,233,314 | 1,535,853 | 1,672,114 | 1,516,583 | 2,025,231 | 389,205 | 213,039 | 376,408 |
| misc current assets | 2,178,563 | ||||||||||||||
| total current assets | 19,323,818 | 12,477,130 | 9,641,969 | 17,159,229 | 12,863,865 | 10,978,158 | 9,189,260 | 3,686,185 | 2,576,397 | 2,580,820 | 2,908,677 | 3,029,055 | 1,180,858 | 756,219 | 903,217 |
| total assets | 19,740,039 | 13,013,910 | 10,405,971 | 18,202,711 | 13,000,298 | 11,050,334 | 9,264,505 | 3,774,184 | 2,688,752 | 2,779,507 | 3,177,271 | 3,208,436 | 1,328,847 | 887,025 | 1,046,004 |
| Bank overdraft | |||||||||||||||
| Bank loan | |||||||||||||||
| Trade Creditors | 193,026 | 136,044 | 272,356 | 329,320 | 186,875 | 195,673 | 7,140,503 | 130,597 | 1,533,308 | 1,437,015 | 1,876,668 | 2,768,746 | 973,281 | 623,356 | 726,304 |
| Group/Directors Accounts | 7,148 | 3,670 | 50,000 | 500,000 | |||||||||||
| other short term finances | |||||||||||||||
| hp & lease commitments | 174,755 | 173,461 | 174,754 | 126,566 | |||||||||||
| other current liabilities | 15,507,899 | 7,593,294 | 6,193,978 | 13,191,643 | 7,729,376 | 7,466,949 | 2,210,258 | ||||||||
| total current liabilities | 15,882,828 | 7,906,469 | 6,691,088 | 13,647,529 | 7,916,251 | 7,662,622 | 7,140,503 | 2,840,855 | 1,533,308 | 1,437,015 | 1,876,668 | 2,768,746 | 973,281 | 623,356 | 726,304 |
| loans | |||||||||||||||
| hp & lease commitments | 101,940 | 277,989 | 451,449 | 718,080 | |||||||||||
| Accruals and Deferred Income | |||||||||||||||
| other liabilities | |||||||||||||||
| provisions | 25,996 | 29,764 | 27,336 | 32,268 | 18,014 | 39,446 | 5,089 | 5,894 | 8,995 | 41,549 | 38,727 | 14,051 | 15,050 | 8,375 | |
| total long term liabilities | 127,936 | 307,753 | 478,785 | 750,348 | 18,014 | 39,446 | 5,089 | 5,894 | 8,995 | 41,549 | 38,727 | 14,051 | 15,050 | 8,375 | |
| total liabilities | 16,010,764 | 8,214,222 | 7,169,873 | 14,397,877 | 7,934,265 | 7,702,068 | 7,145,592 | 2,846,749 | 1,542,303 | 1,478,564 | 1,915,395 | 2,782,797 | 988,331 | 631,731 | 726,304 |
| net assets | 3,729,275 | 4,799,688 | 3,236,098 | 3,804,834 | 5,066,033 | 3,348,266 | 2,118,913 | 927,435 | 1,146,449 | 1,300,943 | 1,261,876 | 425,639 | 340,516 | 255,294 | 319,700 |
| total shareholders funds | 3,729,275 | 4,799,688 | 3,236,098 | 3,804,834 | 5,066,033 | 3,348,266 | 2,118,913 | 927,435 | 1,146,449 | 1,300,943 | 1,261,876 | 425,639 | 340,516 | 255,294 | 319,700 |
| Dec 2023 | Dec 2022 | Dec 2021 | Sep 2020 | Sep 2019 | Sep 2018 | Sep 2017 | Sep 2016 | Sep 2015 | Sep 2014 | Sep 2013 | Sep 2012 | Sep 2011 | Sep 2010 | Sep 2009 | |
|---|---|---|---|---|---|---|---|---|---|---|---|---|---|---|---|
| Operating Activities | |||||||||||||||
| Operating Profit | 1,032,286 | 2,835,592 | 1,922,826 | 858,869 | 2,359,602 | 1,934,895 | 1,851,821 | ||||||||
| Depreciation | 256,529 | 249,094 | 324,092 | 142,295 | 48,364 | 39,804 | 58,675 | 77,567 | 104,609 | 117,103 | 102,995 | 93,095 | 62,732 | 45,712 | 88,700 |
| Amortisation | |||||||||||||||
| Tax | -249,633 | -546,317 | -366,590 | -167,444 | -449,555 | -404,890 | -360,992 | ||||||||
| Stock | |||||||||||||||
| Debtors | 493,428 | 101,894 | 261,325 | -238,333 | 65,115 | -223,417 | 159,702 | 412,327 | 131,838 | -483,388 | 388,270 | 212,171 | 248,473 | 16,371 | 526,809 |
| Creditors | 56,982 | -136,312 | -56,964 | 142,445 | -8,798 | -6,944,830 | 7,009,906 | -1,402,711 | 96,293 | -439,653 | -892,078 | 1,795,465 | 349,925 | -102,948 | 726,304 |
| Accruals and Deferred Income | 7,914,605 | 1,399,316 | -6,997,665 | 5,462,267 | 262,427 | 7,466,949 | -2,210,258 | 2,210,258 | |||||||
| Deferred Taxes & Provisions | -3,768 | 2,428 | -4,932 | 14,254 | -21,432 | 34,357 | -805 | -3,101 | -32,554 | 2,822 | 24,676 | -999 | 6,675 | 8,375 | |
| Cash flow from operations | 8,513,573 | 3,701,907 | -5,440,558 | 6,691,019 | 2,125,493 | 2,349,702 | 6,188,645 | ||||||||
| Investing Activities | |||||||||||||||
| capital expenditure | 4,349 | ||||||||||||||
| Change in Investments | |||||||||||||||
| cash flow from investments | 4,349 | ||||||||||||||
| Financing Activities | |||||||||||||||
| Bank loans | |||||||||||||||
| Group/Directors Accounts | 3,478 | -46,330 | 50,000 | -500,000 | 500,000 | ||||||||||
| Other Short Term Loans | |||||||||||||||
| Long term loans | |||||||||||||||
| Hire Purchase and Lease Commitments | -174,755 | -174,753 | -218,443 | 844,646 | |||||||||||
| other long term liabilities | |||||||||||||||
| share issue | |||||||||||||||
| interest | 46,934 | -5,685 | -24,972 | 2,924 | 7,718 | 2,336 | 649 | ||||||||
| cash flow from financing | -124,343 | -226,768 | -193,415 | 1,392,022 | 7,720 | 2,336 | -499,351 | ||||||||
| cash and cash equivalents | |||||||||||||||
| cash | 6,353,260 | 2,733,267 | -7,778,585 | 4,533,697 | 3,999,155 | -166,248 | 5,343,373 | 697,461 | -136,261 | 155,531 | -508,648 | 1,636,026 | 176,166 | -163,369 | 376,408 |
| overdraft | |||||||||||||||
| change in cash | 6,353,260 | 2,733,267 | -7,778,585 | 4,533,697 | 3,999,155 | -166,248 | 5,343,373 | 697,461 | -136,261 | 155,531 | -508,648 | 1,636,026 | 176,166 | -163,369 | 376,408 |
advantis credit limited Credit Report and Business Information
Advantis Credit Limited Competitor Analysis
Perform a competitor analysis for advantis credit limited by selecting its closest rivals, whether from the FINANCIAL AND INSURANCE ACTIVITIES sector, other mid companies, companies in EC3R area or any other competitors across 12 key performance metrics.
advantis credit limited Ownership
ADVANTIS CREDIT LIMITED group structure
Advantis Credit Limited has no subsidiary companies.
Ultimate parent company
OUTSOURCING INC
#0099728
2 parents
ADVANTIS CREDIT LIMITED
05223252
advantis credit limited directors
Advantis Credit Limited currently has 5 directors. The longest serving directors include Mr Xiangwen Lu (Jan 2020) and Mr Nicholas Tubbs (Jan 2020).
| officer | country | age | start | end | role |
|---|---|---|---|---|---|
| Mr Xiangwen Lu | England | 56 years | Jan 2020 | - | Director |
| Mr Nicholas Tubbs | England | 57 years | Jan 2020 | - | Director |
| Mr Nicholas Tubbs | England | 57 years | Jan 2020 | - | Director |
| Ms Xiang Lu | England | 56 years | Jan 2020 | - | Director |
| Mr Julian Winfield | England | 55 years | Jan 2024 | - | Director |
P&L
December 2023turnover
12.3m
+9%
operating profit
1m
-64%
gross margin
19%
-42.79%
turnover
Turnover, or revenue, is the amount of sales generated by a company within the financial year.
Balance Sheet
December 2023net assets
3.7m
-0.22%
total assets
19.7m
+0.52%
cash
17.3m
+0.58%
net assets
Total assets minus all liabilities
advantis credit limited company details
company number
05223252
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
September 2004
age
21
incorporated
UK
ultimate parent company
accounts
Audit Exemption Subsidiary
last accounts submitted
December 2023
previous names
N/A
accountant
CLA EVELYN PARTNERS LIMITED
auditor
-
address
floor 9 peninsular house, 30-36 monument street, london, EC3R 8LJ
Bank
-
Legal Advisor
-
advantis credit 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 found 1 charges/mortgages relating to advantis credit limited. Currently there are 0 open charges and 1 have been satisfied in the past.
advantis credit 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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advantis credit limited Companies House Filings - See Documents
| date | description | view/download |
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