financial inclusion services (yorkshire) ltd Company Information
Company Number
05239863
Next Accounts
Jun 2025
Shareholders
-
Group Structure
View All
Industry
Other information service activities n.e.c.
+1Registered Address
35 townhead street, sheffield, S1 2EB
financial inclusion services (yorkshire) ltd Estimated Valuation
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
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
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
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2 Strong
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2 Regular
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5 Weak
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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
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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
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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
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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
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Employees
with 1 employees, this is below the industry average (15)
1 - Financial Inclusion Services (yorkshire) Ltd
15 - Industry AVG
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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
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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
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Debtor Days
There is insufficient data available for this Key Performance Indicator!
- - Financial Inclusion Services (yorkshire) Ltd
- - Industry AVG
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Creditor Days
There is insufficient data available for this Key Performance Indicator!
- - Financial Inclusion Services (yorkshire) Ltd
- - Industry AVG
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Stock Days
There is insufficient data available for this Key Performance Indicator!
- - Financial Inclusion Services (yorkshire) Ltd
- - Industry AVG
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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
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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
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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 House, Pomanda Estimates
Sep 2023 | Sep 2022 | Sep 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 | 13,081 | 28,958 | 25,776 | 20,049 | 21,076 | 23,873 | 26,246 | 4,253 | 13,253 | 17,609 | 31,319 | 32,458 | 137,507 | 308,726 | 303,205 |
Other Income Or Grants | |||||||||||||||
Cost Of Sales | |||||||||||||||
Gross Profit | |||||||||||||||
Admin Expenses | |||||||||||||||
Operating Profit | |||||||||||||||
Interest Payable | |||||||||||||||
Interest Receivable | |||||||||||||||
Pre-Tax Profit | -2,103 | -1,212 | -2,509 | -2,020 | -5,338 | -5,182 | -19,918 | 509 | -2,000 | ||||||
Tax | |||||||||||||||
Profit After Tax | -2,103 | -1,212 | -2,509 | -2,020 | -5,338 | -5,182 | -19,918 | 509 | -2,000 | ||||||
Dividends Paid | |||||||||||||||
Retained Profit | -2,103 | -1,212 | -2,509 | -2,020 | -5,338 | -5,182 | -19,918 | 509 | -2,000 | ||||||
Employee Costs | 2,956 | 18,271 | 15,980 | 14,775 | 14,614 | 10,964 | 1,957 | 1,465 | 3,346 | 4,842 | 9,290 | 22,895 | 109,053 | 189,978 | 214,475 |
Number Of Employees | 1 | 1 | 1 | 1 | 1 | 1 | 1 | 1 | 1 | 1 | 1 | 2 | 3 | 9 | 9 |
EBITDA* |
* Earnings Before Interest, Tax, Depreciation and Amortisation
Sep 2023 | Sep 2022 | Sep 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 | 182 | 2,769 | 5,016 | ||||||||||||
Intangible Assets | |||||||||||||||
Investments & Other | |||||||||||||||
Debtors (Due After 1 year) | |||||||||||||||
Total Fixed Assets | 182 | 2,769 | 5,016 | ||||||||||||
Stock & work in progress | |||||||||||||||
Trade Debtors | 650 | 28,136 | |||||||||||||
Group Debtors | |||||||||||||||
Misc Debtors | 35 | 35 | 35 | 136 | 347 | 151 | 151 | 3,544 | 1,995 | 4,875 | 1,730 | 4,637 | 38,048 | 33,295 | |
Cash | 35,880 | 48,853 | 77,708 | 103,277 | 122,540 | 143,486 | 167,802 | 125,015 | 43,413 | 56,453 | 72,509 | 110,850 | 61,592 | 56,212 | 135,055 |
misc current assets | 35 | 35 | 35 | 368 | 368 | 368 | 1,549 | 1,231 | 331 | ||||||
total current assets | 35,915 | 48,888 | 77,743 | 103,413 | 122,887 | 143,637 | 167,988 | 125,050 | 47,642 | 58,816 | 77,752 | 112,948 | 67,778 | 95,491 | 196,817 |
total assets | 35,915 | 48,888 | 77,743 | 103,413 | 122,887 | 143,637 | 167,988 | 125,050 | 47,642 | 58,816 | 77,752 | 112,948 | 67,960 | 98,260 | 201,833 |
Bank overdraft | |||||||||||||||
Bank loan | |||||||||||||||
Trade Creditors | |||||||||||||||
Group/Directors Accounts | 784 | ||||||||||||||
other short term finances | |||||||||||||||
hp & lease commitments | |||||||||||||||
other current liabilities | 17,525 | 30,498 | 59,353 | 85,023 | 1,322 | 1,322 | 2,041 | 2,733 | 2,041 | 2,259 | 2,041 | 2,041 | 30,421 | 41,587 | 145,669 |
total current liabilities | 17,525 | 30,498 | 59,353 | 85,023 | 1,322 | 1,322 | 2,041 | 2,733 | 2,041 | 2,259 | 2,041 | 2,041 | 31,205 | 41,587 | 145,669 |
loans | |||||||||||||||
hp & lease commitments | |||||||||||||||
Accruals and Deferred Income | 103,175 | 123,925 | 147,557 | 101,824 | 23,896 | 32,343 | 49,477 | 79,334 | |||||||
other liabilities | |||||||||||||||
provisions | |||||||||||||||
total long term liabilities | 103,175 | 123,925 | 147,557 | 101,824 | 23,896 | 32,343 | 49,477 | 79,334 | |||||||
total liabilities | 17,525 | 30,498 | 59,353 | 85,023 | 104,497 | 125,247 | 149,598 | 104,557 | 25,937 | 34,602 | 51,518 | 81,375 | 31,205 | 41,587 | 145,669 |
net assets | 18,390 | 18,390 | 18,390 | 18,390 | 18,390 | 18,390 | 18,390 | 20,493 | 21,705 | 24,214 | 26,234 | 31,573 | 36,755 | 56,673 | 56,164 |
total shareholders funds | 18,390 | 18,390 | 18,390 | 18,390 | 18,390 | 18,390 | 18,390 | 20,493 | 21,705 | 24,214 | 26,234 | 31,573 | 36,755 | 56,673 | 56,164 |
Sep 2023 | Sep 2022 | Sep 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 | |||||||||||||||
Depreciation | 182 | 2,587 | 2,794 | 2,611 | |||||||||||
Amortisation | |||||||||||||||
Tax | |||||||||||||||
Stock | |||||||||||||||
Debtors | -101 | -211 | 196 | 151 | -4,194 | 2,199 | -2,880 | 3,145 | -2,907 | -33,411 | -23,383 | 61,431 | |||
Creditors | |||||||||||||||
Accruals and Deferred Income | -12,973 | -28,855 | -25,670 | -19,474 | -20,750 | -24,351 | 45,041 | 78,620 | -8,665 | -16,916 | -29,857 | 50,954 | -11,166 | -104,082 | 145,669 |
Deferred Taxes & Provisions | |||||||||||||||
Cash flow from operations | |||||||||||||||
Investing Activities | |||||||||||||||
capital expenditure | |||||||||||||||
Change in Investments | |||||||||||||||
cash flow from investments | |||||||||||||||
Financing Activities | |||||||||||||||
Bank loans | |||||||||||||||
Group/Directors Accounts | -784 | 784 | |||||||||||||
Other Short Term Loans | |||||||||||||||
Long term loans | |||||||||||||||
Hire Purchase and Lease Commitments | |||||||||||||||
other long term liabilities | |||||||||||||||
share issue | |||||||||||||||
interest | |||||||||||||||
cash flow from financing | -1 | -784 | 784 | 58,164 | |||||||||||
cash and cash equivalents | |||||||||||||||
cash | -12,973 | -28,855 | -25,569 | -19,263 | -20,946 | -24,316 | 42,787 | 81,602 | -13,040 | -16,056 | -38,341 | 49,258 | 5,380 | -78,843 | 135,055 |
overdraft | |||||||||||||||
change in cash | -12,973 | -28,855 | -25,569 | -19,263 | -20,946 | -24,316 | 42,787 | 81,602 | -13,040 | -16,056 | -38,341 | 49,258 | 5,380 | -78,843 | 135,055 |
financial inclusion services (yorkshire) ltd Credit Report and Business Information
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 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).
officer | country | age | start | end | role |
---|---|---|---|---|---|
Mr Peter Armstrong | 72 years | Jun 2005 | - | Director | |
Ms Christine Ursell | 69 years | Oct 2008 | - | Director | |
Mrs Maxine Stavrianakos | England | 67 years | Oct 2009 | - | Director |
Mr John Edwards | United Kingdom | 61 years | Mar 2015 | - | Director |
Mr Christopher Kearton | England | 66 years | May 2021 | - | Director |
Mr Robert Savage | England | 66 years | May 2022 | - | Director |
Mr Christopher Thomas | 74 years | May 2023 | - | Director |
P&L
September 2023turnover
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 2023net 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
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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