financial inclusion services (yorkshire) ltd

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financial inclusion services (yorkshire) ltd Company Information

Share FINANCIAL INCLUSION SERVICES (YORKSHIRE) LTD

Company Number

05239863

Shareholders

-

Group Structure

View All

Industry

Other information service activities n.e.c.

 +1

Registered Address

35 townhead street, sheffield, S1 2EB

financial inclusion services (yorkshire) ltd Estimated Valuation

£13.7k

Pomanda estimates the enterprise value of FINANCIAL INCLUSION SERVICES (YORKSHIRE) LTD at £13.7k based on a Turnover of £13.1k and 1.05x industry multiple (adjusted for size and gross margin).

financial inclusion services (yorkshire) ltd Estimated Valuation

£0

Pomanda estimates the enterprise value of FINANCIAL INCLUSION SERVICES (YORKSHIRE) LTD at £0 based on an EBITDA of £-2.2k and a 4.46x industry multiple (adjusted for size and gross margin).

financial inclusion services (yorkshire) ltd Estimated Valuation

£35.5k

Pomanda estimates the enterprise value of FINANCIAL INCLUSION SERVICES (YORKSHIRE) LTD at £35.5k based on Net Assets of £18.4k and 1.93x industry multiple (adjusted for liquidity).

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Financial Inclusion Services (yorkshire) Ltd Overview

Financial Inclusion Services (yorkshire) Ltd is a live company located in sheffield, S1 2EB with a Companies House number of 05239863. It operates in the other information service activities n.e.c. sector, SIC Code 63990. Founded in September 2004, it's largest shareholder is unknown. Financial Inclusion Services (yorkshire) Ltd is a mature, micro sized company, Pomanda has estimated its turnover at £13.1k with declining growth in recent years.

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Financial Inclusion Services (yorkshire) Ltd Health Check

Pomanda's financial health check has awarded Financial Inclusion Services (Yorkshire) Ltd a 2.5 rating. We use a traffic light system to show it exceeds the industry average on 2 measures and has 5 areas for improvement. Company Health Check FAQs

Health Check Image
Health Rating2.5out of 5
positive_score

2 Strong

positive_score

2 Regular

positive_score

5 Weak

size

Size

annual sales of £13.1k, make it smaller than the average company (£2.8m)

£13.1k - Financial Inclusion Services (yorkshire) Ltd

£2.8m - Industry AVG

growth

Growth

3 year (CAGR) sales growth of -13%, show it is growing at a slower rate (5.4%)

-13% - Financial Inclusion Services (yorkshire) Ltd

5.4% - Industry AVG

production

Production

with a gross margin of 61.7%, this company has a comparable cost of product (61.7%)

61.7% - Financial Inclusion Services (yorkshire) Ltd

61.7% - Industry AVG

profitability

Profitability

an operating margin of -17% make it less profitable than the average company (8.5%)

-17% - Financial Inclusion Services (yorkshire) Ltd

8.5% - Industry AVG

employees

Employees

with 1 employees, this is below the industry average (15)

1 - Financial Inclusion Services (yorkshire) Ltd

15 - Industry AVG

paystructure

Pay Structure

on an average salary of £3k, the company has a lower pay structure (£53.9k)

£3k - Financial Inclusion Services (yorkshire) Ltd

£53.9k - Industry AVG

efficiency

Efficiency

resulting in sales per employee of £13.1k, this is less efficient (£131.4k)

£13.1k - Financial Inclusion Services (yorkshire) Ltd

£131.4k - Industry AVG

debtordays

Debtor Days

There is insufficient data available for this Key Performance Indicator!

- - Financial Inclusion Services (yorkshire) Ltd

- - Industry AVG

creditordays

Creditor Days

There is insufficient data available for this Key Performance Indicator!

- - Financial Inclusion Services (yorkshire) Ltd

- - Industry AVG

stockdays

Stock Days

There is insufficient data available for this Key Performance Indicator!

- - Financial Inclusion Services (yorkshire) Ltd

- - Industry AVG

cashbalance

Cash Balance

has cash to cover current liabilities for 106 weeks, this is more cash available to meet short term requirements (67 weeks)

106 weeks - Financial Inclusion Services (yorkshire) Ltd

67 weeks - Industry AVG

debtlevel

Debt Level

it has a ratio of liabilities to total assets of 48.8%, this is a similar level of debt than the average (49.2%)

48.8% - Financial Inclusion Services (yorkshire) Ltd

49.2% - Industry AVG

FINANCIAL INCLUSION SERVICES (YORKSHIRE) LTD financials

EXPORTms excel logo

Financial Inclusion Services (Yorkshire) Ltd's latest turnover from September 2023 is £13.1 thousand and the company has net assets of £18.4 thousand. According to their latest financial statements, Financial Inclusion Services (Yorkshire) Ltd has 1 employee and maintains cash reserves of £35.9 thousand as reported in the balance sheet.

Data source: Companies HousePomanda Estimates

Sep 2023Sep 2022Sep 2021Sep 2020Sep 2019Sep 2018Sep 2017Sep 2016Sep 2015Sep 2014Sep 2013Sep 2012Sep 2011Sep 2010Sep 2009
Turnover13,08128,95825,77620,04921,07623,87326,2464,25313,25317,60931,31932,458137,507308,726303,205
Other Income Or Grants
Cost Of Sales5,01510,9619,3217,6758,8559,1499,7871,5134,9776,65512,18413,31152,138127,198242,564
Gross Profit8,06617,99716,45512,37412,22114,72416,4592,7408,27610,95419,13519,14785,369181,52860,641
Admin Expenses10,29019,42116,54512,48713,21915,89118,9284,16311,03513,29624,93124,760105,582181,29962,979
Operating Profit-2,224-1,424-90-113-998-1,167-2,469-1,423-2,759-2,342-5,796-5,613-20,213229-2,338
Interest Payable
Interest Receivable
Pre-Tax Profit-2,103-1,212-2,509-2,020-5,338-5,182-19,918509-2,000
Tax
Profit After Tax-2,103-1,212-2,509-2,020-5,338-5,182-19,918509-2,000
Dividends Paid
Retained Profit-2,103-1,212-2,509-2,020-5,338-5,182-19,918509-2,000
Employee Costs2,95618,27115,98014,77514,61410,9641,9571,4653,3464,8429,29022,895109,053189,978214,475
Number Of Employees111111111112399
EBITDA*-2,224-1,424-90-113-998-1,167-2,469-1,423-2,759-2,342-5,796-5,431-17,6263,023273

* Earnings Before Interest, Tax, Depreciation and Amortisation

Sep 2023Sep 2022Sep 2021Sep 2020Sep 2019Sep 2018Sep 2017Sep 2016Sep 2015Sep 2014Sep 2013Sep 2012Sep 2011Sep 2010Sep 2009
Tangible Assets1822,7695,016
Intangible Assets
Investments & Other
Debtors (Due After 1 year)
Total Fixed Assets1822,7695,016
Stock & work in progress
Trade Debtors65028,136
Group Debtors
Misc Debtors3535351363471511513,5441,9954,8751,7304,63738,04833,295
Cash35,88048,85377,708103,277122,540143,486167,802125,01543,41356,45372,509110,85061,59256,212135,055
misc current assets3535353683683681,5491,231331
total current assets35,91548,88877,743103,413122,887143,637167,988125,05047,64258,81677,752112,94867,77895,491196,817
total assets35,91548,88877,743103,413122,887143,637167,988125,05047,64258,81677,752112,94867,96098,260201,833
Bank overdraft
Bank loan
Trade Creditors
Group/Directors Accounts784
other short term finances
hp & lease commitments
other current liabilities17,52530,49859,35385,0231,3221,3222,0412,7332,0412,2592,0412,04130,42141,587145,669
total current liabilities17,52530,49859,35385,0231,3221,3222,0412,7332,0412,2592,0412,04131,20541,587145,669
loans
hp & lease commitments
Accruals and Deferred Income103,175123,925147,557101,82423,89632,34349,47779,334
other liabilities
provisions
total long term liabilities103,175123,925147,557101,82423,89632,34349,47779,334
total liabilities17,52530,49859,35385,023104,497125,247149,598104,55725,93734,60251,51881,37531,20541,587145,669
net assets18,39018,39018,39018,39018,39018,39018,39020,49321,70524,21426,23431,57336,75556,67356,164
total shareholders funds18,39018,39018,39018,39018,39018,39018,39020,49321,70524,21426,23431,57336,75556,67356,164
Sep 2023Sep 2022Sep 2021Sep 2020Sep 2019Sep 2018Sep 2017Sep 2016Sep 2015Sep 2014Sep 2013Sep 2012Sep 2011Sep 2010Sep 2009
Operating Activities
Operating Profit-2,224-1,424-90-113-998-1,167-2,469-1,423-2,759-2,342-5,796-5,613-20,213229-2,338
Depreciation1822,5872,7942,611
Amortisation
Tax
Stock
Debtors-101-211196151-4,1942,199-2,8803,145-2,907-33,411-23,38361,431
Creditors
Accruals and Deferred Income-12,973-28,855-25,670-19,474-20,750-24,35145,04178,620-8,665-16,916-29,85750,954-11,166-104,082145,669
Deferred Taxes & Provisions
Cash flow from operations-15,197-30,279-25,659-19,376-21,944-25,51842,42181,391-13,623-16,378-38,79848,4304,619-77,67684,511
Investing Activities
capital expenditure-547-7,627
Change in Investments
cash flow from investments-547-7,627
Financing Activities
Bank loans
Group/Directors Accounts-784784
Other Short Term Loans
Long term loans
Hire Purchase and Lease Commitments
other long term liabilities
share issue-158,164
interest
cash flow from financing-1-78478458,164
cash and cash equivalents
cash-12,973-28,855-25,569-19,263-20,946-24,31642,78781,602-13,040-16,056-38,34149,2585,380-78,843135,055
overdraft
change in cash-12,973-28,855-25,569-19,263-20,946-24,31642,78781,602-13,040-16,056-38,34149,2585,380-78,843135,055

financial inclusion services (yorkshire) ltd Credit Report and Business Information

Very Low Risk70 - 100
Low Risk50 - 70
Moderate Risk30 - 50
High Risk20 - 30
Very High Risk0 - 20
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Financial Inclusion Services (yorkshire) Ltd Competitor Analysis

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Perform a competitor analysis for financial inclusion services (yorkshire) ltd by selecting its closest rivals, whether from the INFORMATION AND COMMUNICATION sector, other micro companies, companies in S 1 area or any other competitors across 12 key performance metrics.

financial inclusion services (yorkshire) ltd Ownership

FINANCIAL INCLUSION SERVICES (YORKSHIRE) LTD group structure

Financial Inclusion Services (Yorkshire) Ltd has no subsidiary companies.

Ultimate parent company

FINANCIAL INCLUSION SERVICES (YORKSHIRE) LTD

05239863

FINANCIAL INCLUSION SERVICES (YORKSHIRE) LTD Shareholders

--

financial inclusion services (yorkshire) ltd directors

Financial Inclusion Services (Yorkshire) Ltd currently has 7 directors. The longest serving directors include Mr Peter Armstrong (Jun 2005) and Ms Christine Ursell (Oct 2008).

officercountryagestartendrole
Mr Peter Armstrong72 years Jun 2005- Director
Ms Christine Ursell69 years Oct 2008- Director
Mrs Maxine StavrianakosEngland67 years Oct 2009- Director
Mr John EdwardsUnited Kingdom61 years Mar 2015- Director
Mr Christopher KeartonEngland66 years May 2021- Director
Mr Robert SavageEngland66 years May 2022- Director
Mr Christopher Thomas74 years May 2023- Director

P&L

September 2023

turnover

13.1k

-55%

operating profit

-2.2k

0%

gross margin

61.7%

-0.78%

turnover

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

Balance Sheet

September 2023

net assets

18.4k

0%

total assets

35.9k

-0.27%

cash

35.9k

-0.27%

net assets

Total assets minus all liabilities

financial inclusion services (yorkshire) ltd company details

company number

05239863

Type

Private Ltd By Guarantee w/o Share Cap

industry

63990 - Other information service activities n.e.c.

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

None

accounts

Total Exemption Full

last accounts submitted

September 2023

previous names

N/A

accountant

S D ALLEN

auditor

-

address

35 townhead street, sheffield, S1 2EB

Bank

UNITY TRUST BANK

Legal Advisor

-

financial inclusion services (yorkshire) ltd 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 financial inclusion services (yorkshire) ltd.

financial inclusion services (yorkshire) ltd 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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financial inclusion services (yorkshire) ltd Companies House Filings - See Documents

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