carat finance limited Company Information
Company Number
05314289
Next Accounts
Sep 2025
Directors
Shareholders
christophe giovannetti
alexandre giovannetti
Group Structure
View All
Industry
Financial management
Registered Address
carlyle house, lower ground floo, 235 - 237 vauxhall bridge road, london, SW1V 1AU
Website
-carat finance limited Estimated Valuation
Pomanda estimates the enterprise value of CARAT FINANCE LIMITED at £46.8k based on a Turnover of £88.2k and 0.53x industry multiple (adjusted for size and gross margin).
carat finance limited Estimated Valuation
Pomanda estimates the enterprise value of CARAT FINANCE LIMITED at £0 based on an EBITDA of £-383 and a 3.52x industry multiple (adjusted for size and gross margin).
carat finance limited Estimated Valuation
Pomanda estimates the enterprise value of CARAT FINANCE LIMITED at £0 based on Net Assets of £-221.5k and 3.38x industry multiple (adjusted for liquidity).
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Carat Finance Limited Overview
Carat Finance Limited is a live company located in london, SW1V 1AU with a Companies House number of 05314289. It operates in the financial management sector, SIC Code 70221. Founded in December 2004, it's largest shareholder is christophe giovannetti with a 50% stake. Carat Finance Limited is a mature, micro sized company, Pomanda has estimated its turnover at £88.2k with healthy growth in recent years.
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Carat Finance Limited Health Check
Pomanda's financial health check has awarded Carat Finance Limited a 0.5 rating. We use a traffic light system to show it exceeds the industry average on 0 measures and has 7 areas for improvement. Company Health Check FAQs
0 Strong
2 Regular
7 Weak
Size
annual sales of £88.2k, make it smaller than the average company (£1.3m)
- Carat Finance Limited
£1.3m - Industry AVG
Growth
3 year (CAGR) sales growth of 9%, show it is growing at a similar rate (9.5%)
- Carat Finance Limited
9.5% - Industry AVG
Production
with a gross margin of 36%, this company has a higher cost of product (83.1%)
- Carat Finance Limited
83.1% - Industry AVG
Profitability
an operating margin of -0.4% make it less profitable than the average company (8.4%)
- Carat Finance Limited
8.4% - Industry AVG
Employees
with 1 employees, this is below the industry average (6)
1 - Carat Finance Limited
6 - Industry AVG
Pay Structure
on an average salary of £60.6k, the company has an equivalent pay structure (£60.6k)
- Carat Finance Limited
£60.6k - Industry AVG
Efficiency
resulting in sales per employee of £88.2k, this is less efficient (£162.3k)
- Carat Finance Limited
£162.3k - Industry AVG
Debtor Days
There is insufficient data available for this Key Performance Indicator!
- Carat Finance Limited
- - Industry AVG
Creditor Days
There is insufficient data available for this Key Performance Indicator!
- Carat Finance Limited
- - Industry AVG
Stock Days
There is insufficient data available for this Key Performance Indicator!
- Carat Finance Limited
- - Industry AVG
Cash Balance
has cash to cover current liabilities for 0 weeks, this is less cash available to meet short term requirements (32 weeks)
0 weeks - Carat Finance Limited
32 weeks - Industry AVG
Debt Level
it has a ratio of liabilities to total assets of 146%, this is a higher level of debt than the average (55.2%)
146% - Carat Finance Limited
55.2% - Industry AVG
CARAT FINANCE LIMITED financials
Carat Finance Limited's latest turnover from December 2023 is estimated at £88.2 thousand and the company has net assets of -£221.5 thousand. According to their latest financial statements, Carat Finance Limited has 1 employee and maintains cash reserves of £7.3 thousand as reported in the balance sheet.
Data source: Companies House, Pomanda Estimates
Dec 2023 | Dec 2022 | Dec 2021 | Dec 2020 | Dec 2019 | Dec 2018 | Dec 2017 | Dec 2016 | Dec 2015 | Dec 2014 | Dec 2013 | Dec 2012 | Dec 2011 | Dec 2010 | Dec 2009 | |
---|---|---|---|---|---|---|---|---|---|---|---|---|---|---|---|
Turnover | 0 | ||||||||||||||
Other Income Or Grants | |||||||||||||||
Cost Of Sales | |||||||||||||||
Gross Profit | |||||||||||||||
Admin Expenses | |||||||||||||||
Operating Profit | -7,506 | ||||||||||||||
Interest Payable | 437 | ||||||||||||||
Interest Receivable | 35 | ||||||||||||||
Pre-Tax Profit | -7,908 | ||||||||||||||
Tax | -20,084 | ||||||||||||||
Profit After Tax | -27,992 | ||||||||||||||
Dividends Paid | 0 | ||||||||||||||
Retained Profit | -27,992 | ||||||||||||||
Employee Costs | |||||||||||||||
Number Of Employees | 1 | 1 | 1 | 1 | 1 | ||||||||||
EBITDA* | -7,506 |
* Earnings Before Interest, Tax, Depreciation and Amortisation
Dec 2023 | Dec 2022 | Dec 2021 | Dec 2020 | Dec 2019 | Dec 2018 | Dec 2017 | Dec 2016 | Dec 2015 | Dec 2014 | Dec 2013 | Dec 2012 | Dec 2011 | Dec 2010 | Dec 2009 | |
---|---|---|---|---|---|---|---|---|---|---|---|---|---|---|---|
Tangible Assets | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 |
Intangible Assets | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 |
Investments & Other | 306,815 | 306,815 | 306,815 | 306,815 | 306,815 | 306,815 | 306,815 | 306,815 | 306,815 | 306,815 | 306,815 | 306,815 | 306,815 | 306,815 | 159,456 |
Debtors (Due After 1 year) | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 |
Total Fixed Assets | 306,815 | 306,815 | 306,815 | 306,815 | 306,815 | 306,815 | 306,815 | 306,815 | 306,815 | 306,815 | 306,815 | 306,815 | 306,815 | 306,815 | 159,456 |
Stock & work in progress | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 |
Trade Debtors | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 167,293 | 190,326 | 169,520 | 167,189 | 167,293 | 167,293 | 0 |
Group Debtors | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 |
Misc Debtors | 167,293 | 167,293 | 167,293 | 167,293 | 167,293 | 167,293 | 167,293 | 167,293 | 0 | 0 | 0 | 104 | 0 | 0 | 289,875 |
Cash | 7,296 | 7,296 | 7,296 | 7,296 | 7,296 | 7,296 | 7,296 | 14,463 | 60,325 | 0 | 0 | 3,325 | 5,563 | 7,756 | 13,761 |
misc current assets | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 |
total current assets | 174,589 | 174,589 | 174,589 | 174,589 | 174,589 | 174,589 | 174,589 | 181,756 | 227,618 | 190,326 | 169,520 | 170,618 | 172,856 | 175,049 | 303,636 |
total assets | 481,404 | 481,404 | 481,404 | 481,404 | 481,404 | 481,404 | 481,404 | 488,571 | 534,433 | 497,141 | 476,335 | 477,433 | 479,671 | 481,864 | 463,092 |
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 | 0 | 0 | 0 | 0 | 0 | 702,862 | 702,862 | 2,889 | 736,209 | 697,365 | 697,365 | 697,469 | 696,395 | 0 | 0 |
Group/Directors Accounts | 15,783 | 15,783 | 15,783 | 15,783 | 15,783 | 0 | 0 | 19,759 | 0 | 0 | 0 | 0 | 0 | 0 | 0 |
other short term finances | 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 |
other current liabilities | 687,079 | 687,079 | 687,079 | 687,079 | 687,079 | 0 | 0 | 687,811 | 0 | 0 | 0 | 0 | 0 | 0 | 580,403 |
total current liabilities | 702,862 | 702,862 | 702,862 | 702,862 | 702,862 | 702,862 | 702,862 | 710,459 | 736,209 | 697,365 | 697,365 | 697,469 | 696,395 | 0 | 580,403 |
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 | 696,395 | 0 |
provisions | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 |
total long term liabilities | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 696,395 | 0 |
total liabilities | 702,862 | 702,862 | 702,862 | 702,862 | 702,862 | 702,862 | 702,862 | 710,459 | 736,209 | 697,365 | 697,365 | 697,469 | 696,395 | 696,395 | 580,403 |
net assets | -221,458 | -221,458 | -221,458 | -221,458 | -221,458 | -221,458 | -221,458 | -221,888 | -201,776 | -200,224 | -221,030 | -220,036 | -216,724 | -214,531 | -117,311 |
total shareholders funds | -221,458 | -221,458 | -221,458 | -221,458 | -221,458 | -221,458 | -221,458 | -221,888 | -201,776 | -200,224 | -221,030 | -220,036 | -216,724 | -214,531 | -117,311 |
Dec 2023 | Dec 2022 | Dec 2021 | Dec 2020 | Dec 2019 | Dec 2018 | Dec 2017 | Dec 2016 | Dec 2015 | Dec 2014 | Dec 2013 | Dec 2012 | Dec 2011 | Dec 2010 | Dec 2009 | |
---|---|---|---|---|---|---|---|---|---|---|---|---|---|---|---|
Operating Activities | |||||||||||||||
Operating Profit | -7,506 | ||||||||||||||
Depreciation | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | |
Amortisation | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 |
Tax | -20,084 | ||||||||||||||
Stock | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 |
Debtors | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | -23,033 | 20,806 | 2,227 | 0 | 0 | -122,582 | 289,875 |
Creditors | 0 | 0 | 0 | 0 | -702,862 | 0 | 699,973 | -733,320 | 38,844 | 0 | -104 | 1,074 | 696,395 | 0 | 0 |
Accruals and Deferred Income | 0 | 0 | 0 | 0 | 687,079 | 0 | -687,811 | 687,811 | 0 | 0 | 0 | 0 | 0 | -580,403 | 580,403 |
Deferred Taxes & Provisions | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 |
Cash flow from operations | 262,938 | ||||||||||||||
Investing Activities | |||||||||||||||
capital expenditure | |||||||||||||||
Change in Investments | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 147,359 | 159,456 |
cash flow from investments | |||||||||||||||
Financing Activities | |||||||||||||||
Bank loans | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 |
Group/Directors Accounts | 0 | 0 | 0 | 0 | 15,783 | 0 | -19,759 | 19,759 | 0 | 0 | 0 | 0 | 0 | 0 | 0 |
Other Short Term Loans | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 |
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 | -696,395 | 696,395 | 0 |
share issue | |||||||||||||||
interest | -402 | ||||||||||||||
cash flow from financing | -89,721 | ||||||||||||||
cash and cash equivalents | |||||||||||||||
cash | 0 | 0 | 0 | 0 | 0 | 0 | -7,167 | -45,862 | 60,325 | 0 | -3,325 | -2,238 | -2,193 | -6,005 | 13,761 |
overdraft | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 |
change in cash | 0 | 0 | 0 | 0 | 0 | 0 | -7,167 | -45,862 | 60,325 | 0 | -3,325 | -2,238 | -2,193 | -6,005 | 13,761 |
carat finance limited Credit Report and Business Information
Carat Finance Limited Competitor Analysis
Perform a competitor analysis for carat finance limited by selecting its closest rivals, whether from the PROFESSIONAL, SCIENTIFIC AND TECHNICAL ACTIVITIES sector, other micro companies, companies in SW1V area or any other competitors across 12 key performance metrics.
carat finance limited Ownership
CARAT FINANCE LIMITED group structure
Carat Finance Limited has no subsidiary companies.
Ultimate parent company
CARAT FINANCE LIMITED
05314289
carat finance limited directors
Carat Finance Limited currently has 1 director, Mr Christophe Giovannetti serving since Feb 2008.
officer | country | age | start | end | role |
---|---|---|---|---|---|
Mr Christophe Giovannetti | France | 66 years | Feb 2008 | - | Director |
P&L
December 2023turnover
88.2k
+13%
operating profit
-383
0%
gross margin
36%
+1.1%
turnover
Turnover, or revenue, is the amount of sales generated by a company within the financial year.
Balance Sheet
December 2023net assets
-221.5k
0%
total assets
481.4k
0%
cash
7.3k
0%
net assets
Total assets minus all liabilities
carat finance limited company details
company number
05314289
Type
Private limited with Share Capital
industry
70221 - Financial management
incorporation date
December 2004
age
21
incorporated
UK
ultimate parent company
accounts
Dormant
last accounts submitted
December 2023
previous names
N/A
accountant
-
auditor
-
address
carlyle house, lower ground floo, 235 - 237 vauxhall bridge road, london, SW1V 1AU
Bank
-
Legal Advisor
-
carat finance 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 carat finance limited.
carat finance 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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carat finance limited Companies House Filings - See Documents
date | description | view/download |
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