turners personal credit limited
turners personal credit limited Company Information
Company Number
05264677
Website
-Registered Address
1 gledhill drive, whitby, north yorkshire, YO21 1LS
Industry
Credit granting by non-deposit taking finance houses and other specialist consumer credit grantors
Telephone
01947600567
Next Accounts Due
October 2024
Group Structure
View All
Directors
Sandra Turner19 Years
Shareholders
sandra mary turner 90%
charles collier 10%
turners personal credit limited Estimated Valuation
Pomanda estimates the enterprise value of TURNERS PERSONAL CREDIT LIMITED at £71.5k based on a Turnover of £50.7k and 1.41x industry multiple (adjusted for size and gross margin).
turners personal credit limited Estimated Valuation
Pomanda estimates the enterprise value of TURNERS PERSONAL CREDIT LIMITED at £0 based on an EBITDA of £-10.3k and a 4.71x industry multiple (adjusted for size and gross margin).
turners personal credit limited Estimated Valuation
Pomanda estimates the enterprise value of TURNERS PERSONAL CREDIT LIMITED at £0 based on Net Assets of £-27.2k and 1.95x industry multiple (adjusted for liquidity).
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Turners Personal Credit Limited Overview
Turners Personal Credit Limited is a dissolved company that was located in north yorkshire, YO21 1LS with a Companies House number of 05264677. It operated in the credit granting by non-deposit taking finance houses and other specialist consumer credit grantors sector, SIC Code 64921. Founded in October 2004, it's largest shareholder was sandra mary turner with a 90% stake. The last turnover for Turners Personal Credit Limited was estimated at £50.7k.
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Turners Personal Credit Limited Health Check
Pomanda's financial health check has awarded Turners Personal Credit Limited a 2 rating. We use a traffic light system to show it exceeds the industry average on 3 measures and has 6 areas for improvement. Company Health Check FAQs
3 Strong
1 Regular
6 Weak
Size
annual sales of £50.7k, make it smaller than the average company (£4.2m)
- Turners Personal Credit Limited
£4.2m - Industry AVG
Growth
3 year (CAGR) sales growth of 75%, show it is growing at a faster rate (9.3%)
- Turners Personal Credit Limited
9.3% - Industry AVG
Production
with a gross margin of 47.3%, this company has a higher cost of product (74.6%)
- Turners Personal Credit Limited
74.6% - Industry AVG
Profitability
an operating margin of -20.4% make it less profitable than the average company (25.4%)
- Turners Personal Credit Limited
25.4% - Industry AVG
Employees
with 1 employees, this is below the industry average (23)
1 - Turners Personal Credit Limited
23 - Industry AVG
Pay Structure
on an average salary of £46.5k, the company has an equivalent pay structure (£46.5k)
- Turners Personal Credit Limited
£46.5k - Industry AVG
Efficiency
resulting in sales per employee of £50.7k, this is less efficient (£149.6k)
- Turners Personal Credit Limited
£149.6k - Industry AVG
Debtor Days
it gets paid by customers after 163 days, this is earlier than average (306 days)
- Turners Personal Credit Limited
306 days - Industry AVG
Creditor Days
its suppliers are paid after 681 days, this is slower than average (75 days)
- Turners Personal Credit Limited
75 days - Industry AVG
Stock Days
There is insufficient data available for this Key Performance Indicator!
- Turners Personal Credit Limited
- - Industry AVG
Cash Balance
There is insufficient data available for this Key Performance Indicator!
- - Turners Personal Credit Limited
- - Industry AVG
Debt Level
it has a ratio of liabilities to total assets of 219.2%, this is a higher level of debt than the average (92.3%)
219.2% - Turners Personal Credit Limited
92.3% - Industry AVG
TURNERS PERSONAL CREDIT LIMITED financials
Turners Personal Credit Limited's latest turnover from March 2019 is estimated at £50.7 thousand and the company has net assets of -£27.2 thousand. According to their latest financial statements, Turners Personal Credit Limited has 1 employee and maintains cash reserves of 0 as reported in the balance sheet.
Data source: Companies House, Pomanda Estimates
| Mar 2019 | Mar 2018 | Mar 2017 | Mar 2016 | Mar 2015 | Mar 2014 | Mar 2013 | Mar 2012 | Mar 2011 | Mar 2010 | |
|---|---|---|---|---|---|---|---|---|---|---|
| Turnover | ||||||||||
| Other Income Or Grants | ||||||||||
| Cost Of Sales | ||||||||||
| Gross Profit | ||||||||||
| Admin Expenses | ||||||||||
| Operating Profit | ||||||||||
| Interest Payable | ||||||||||
| Interest Receivable | ||||||||||
| Pre-Tax Profit | ||||||||||
| Tax | ||||||||||
| Profit After Tax | ||||||||||
| Dividends Paid | ||||||||||
| Retained Profit | ||||||||||
| Employee Costs | ||||||||||
| Number Of Employees | 1 | 1 | 1 | |||||||
| EBITDA* |
* Earnings Before Interest, Tax, Depreciation and Amortisation
| Mar 2019 | Mar 2018 | Mar 2017 | Mar 2016 | Mar 2015 | Mar 2014 | Mar 2013 | Mar 2012 | Mar 2011 | Mar 2010 | |
|---|---|---|---|---|---|---|---|---|---|---|
| Tangible Assets | 0 | 0 | 6,899 | 8,624 | 0 | 0 | 0 | 0 | 14,869 | 6,506 |
| Intangible Assets | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 |
| Investments & Other | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 |
| Debtors (Due After 1 year) | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 |
| Total Fixed Assets | 0 | 0 | 6,899 | 8,624 | 0 | 0 | 0 | 0 | 14,869 | 6,506 |
| Stock & work in progress | 0 | 0 | 23,613 | 23,613 | 23,613 | 0 | 0 | 0 | 93 | 279 |
| Trade Debtors | 22,775 | 28,192 | 16,331 | 20,380 | 28,665 | 40,809 | 48,817 | 56,015 | 54,301 | 62,273 |
| Group Debtors | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 |
| Misc Debtors | 0 | 0 | 596 | 338 | 0 | 0 | 0 | 0 | 0 | 0 |
| Cash | 0 | 0 | 16,628 | 13,550 | 8,617 | 15,988 | 15,000 | 0 | 0 | 0 |
| misc current assets | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 |
| total current assets | 22,775 | 28,192 | 57,168 | 57,881 | 60,895 | 56,797 | 63,817 | 56,015 | 54,394 | 62,552 |
| total assets | 22,775 | 28,192 | 64,067 | 66,505 | 60,895 | 56,797 | 63,817 | 56,015 | 69,263 | 69,058 |
| Bank overdraft | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 |
| Bank loan | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 |
| Trade Creditors | 49,932 | 45,009 | 0 | 0 | 27,832 | 5,040 | 5,944 | 17,221 | 53,215 | 77,419 |
| Group/Directors Accounts | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 |
| other short term finances | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 |
| hp & lease commitments | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 |
| other current liabilities | 0 | 0 | 55,824 | 57,639 | 0 | 0 | 0 | 0 | 0 | 0 |
| total current liabilities | 49,932 | 45,009 | 55,824 | 57,639 | 27,832 | 5,040 | 5,944 | 17,221 | 53,215 | 77,419 |
| loans | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 |
| hp & lease commitments | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 |
| Accruals and Deferred Income | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 |
| other liabilities | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 |
| provisions | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 |
| total long term liabilities | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 |
| total liabilities | 49,932 | 45,009 | 55,824 | 57,639 | 27,832 | 5,040 | 5,944 | 17,221 | 53,215 | 77,419 |
| net assets | -27,157 | -16,817 | 8,243 | 8,866 | 33,063 | 51,757 | 57,873 | 38,794 | 16,048 | -8,361 |
| total shareholders funds | -27,157 | -16,817 | 8,243 | 8,866 | 33,063 | 51,757 | 57,873 | 38,794 | 16,048 | -8,361 |
| Mar 2019 | Mar 2018 | Mar 2017 | Mar 2016 | Mar 2015 | Mar 2014 | Mar 2013 | Mar 2012 | Mar 2011 | Mar 2010 | |
|---|---|---|---|---|---|---|---|---|---|---|
| Operating Activities | ||||||||||
| Operating Profit | ||||||||||
| Depreciation | 0 | 0 | 1,725 | 2,156 | 0 | 0 | 0 | 133 | 3,817 | 1,693 |
| Amortisation | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 |
| Tax | ||||||||||
| Stock | 0 | -23,613 | 0 | 0 | 23,613 | 0 | 0 | -93 | -186 | 279 |
| Debtors | -5,417 | 11,265 | -3,791 | -7,947 | -12,144 | -8,008 | -7,198 | 1,714 | -7,972 | 62,273 |
| Creditors | 4,923 | 45,009 | 0 | -27,832 | 22,792 | -904 | -11,277 | -35,994 | -24,204 | 77,419 |
| Accruals and Deferred Income | 0 | -55,824 | -1,815 | 57,639 | 0 | 0 | 0 | 0 | 0 | 0 |
| Deferred Taxes & Provisions | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 |
| Cash flow from operations | ||||||||||
| Investing Activities | ||||||||||
| capital expenditure | ||||||||||
| Change in Investments | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 |
| cash flow from investments | ||||||||||
| Financing Activities | ||||||||||
| Bank loans | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 |
| Group/Directors Accounts | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 |
| Other Short Term Loans | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 |
| Long term loans | 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 |
| other long term liabilities | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 |
| share issue | ||||||||||
| interest | ||||||||||
| cash flow from financing | ||||||||||
| cash and cash equivalents | ||||||||||
| cash | 0 | -16,628 | 3,078 | 4,933 | -7,371 | 988 | 15,000 | 0 | 0 | 0 |
| overdraft | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 |
| change in cash | 0 | -16,628 | 3,078 | 4,933 | -7,371 | 988 | 15,000 | 0 | 0 | 0 |
turners personal credit limited Credit Report and Business Information
Turners Personal Credit Limited Competitor Analysis
Perform a competitor analysis for turners personal credit limited by selecting its closest rivals, whether from the FINANCIAL AND INSURANCE ACTIVITIES sector, other undefined companies, companies in YO21 area or any other competitors across 12 key performance metrics.
turners personal credit limited Ownership
TURNERS PERSONAL CREDIT LIMITED group structure
Turners Personal Credit Limited has no subsidiary companies.
Ultimate parent company
TURNERS PERSONAL CREDIT LIMITED
05264677
turners personal credit limited directors
Turners Personal Credit Limited currently has 1 director, Mrs Sandra Turner serving since Oct 2004.
| officer | country | age | start | end | role |
|---|---|---|---|---|---|
| Mrs Sandra Turner | England | 68 years | Oct 2004 | - | Director |
P&L
March 2019turnover
50.7k
-9%
operating profit
-10.3k
0%
gross margin
47.3%
-1.04%
turnover
Turnover, or revenue, is the amount of sales generated by a company within the financial year.
Balance Sheet
March 2019net assets
-27.2k
+0.61%
total assets
22.8k
-0.19%
cash
0
0%
net assets
Total assets minus all liabilities
turners personal credit limited company details
company number
05264677
Type
Private limited with Share Capital
industry
64921 - Credit granting by non-deposit taking finance houses and other specialist consumer credit grantors
incorporation date
October 2004
age
20
incorporated
UK
ultimate parent company
accounts
Micro-Entity Accounts
last accounts submitted
March 2019
previous names
k9 design limited (December 2009)
drifters (whitby) limited (December 2006)
accountant
-
auditor
-
address
1 gledhill drive, whitby, north yorkshire, YO21 1LS
Bank
-
Legal Advisor
-
turners personal 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 did not find charges/mortgages relating to turners personal credit limited.
turners personal credit limited Companies House Filings - See Documents
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