carat finance limited

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carat finance limited Company Information

Share CARAT FINANCE LIMITED

Company Number

05314289

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

£46.8k

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

£0

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

£0

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).

Edit your figures and get a professional valuation report.

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

Health Check Image
Health Rating0.5out of 5
positive_score

0 Strong

positive_score

2 Regular

positive_score

7 Weak

size

Size

annual sales of £88.2k, make it smaller than the average company (£1.3m)

£88.2k - Carat Finance Limited

£1.3m - Industry AVG

growth

Growth

3 year (CAGR) sales growth of 9%, show it is growing at a similar rate (9.5%)

9% - Carat Finance Limited

9.5% - Industry AVG

production

Production

with a gross margin of 36%, this company has a higher cost of product (83.1%)

36% - Carat Finance Limited

83.1% - Industry AVG

profitability

Profitability

an operating margin of -0.4% make it less profitable than the average company (8.4%)

-0.4% - Carat Finance Limited

8.4% - Industry AVG

employees

Employees

with 1 employees, this is below the industry average (6)

1 - Carat Finance Limited

6 - Industry AVG

paystructure

Pay Structure

on an average salary of £60.6k, the company has an equivalent pay structure (£60.6k)

£60.6k - Carat Finance Limited

£60.6k - Industry AVG

efficiency

Efficiency

resulting in sales per employee of £88.2k, this is less efficient (£162.3k)

£88.2k - Carat Finance Limited

£162.3k - Industry AVG

debtordays

Debtor Days

There is insufficient data available for this Key Performance Indicator!

- - Carat Finance Limited

- - Industry AVG

creditordays

Creditor Days

There is insufficient data available for this Key Performance Indicator!

- - Carat Finance Limited

- - Industry AVG

stockdays

Stock Days

There is insufficient data available for this Key Performance Indicator!

- - Carat Finance Limited

- - Industry AVG

cashbalance

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

debtlevel

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

EXPORTms excel logo

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 HousePomanda Estimates

Dec 2023Dec 2022Dec 2021Dec 2020Dec 2019Dec 2018Dec 2017Dec 2016Dec 2015Dec 2014Dec 2013Dec 2012Dec 2011Dec 2010Dec 2009
Turnover88,21678,35466,75567,82564,420530,299519,4801,365589,135786,520750,388677,571738,524805,5370
Other Income Or Grants000000000000000
Cost Of Sales56,49450,48343,66544,72247,045357,010320,945853418,459611,592575,923501,592542,368597,5320
Gross Profit31,72327,87023,09023,10317,375173,289198,535512170,676174,929174,465175,979196,155208,0060
Admin Expenses32,10628,12523,10823,11017,430173,344198,05920,717172,379148,592175,467179,313198,381305,2807,506
Operating Profit-383-255-18-7-55-55476-20,205-1,70326,337-1,002-3,334-2,226-97,274-7,506
Interest Payable00000000000000437
Interest Receivable383255187555554931510822335435
Pre-Tax Profit000000531-20,112-1,55226,337-994-3,312-2,193-97,220-7,908
Tax000000-10100-5,5310000-20,084
Profit After Tax000000430-20,112-1,55220,806-994-3,312-2,193-97,220-27,992
Dividends Paid000000000000000
Retained Profit000000430-20,112-1,55220,806-994-3,312-2,193-97,220-27,992
Employee Costs60,56858,18850,04349,81351,733119,878108,04752,969112,336117,566176,349161,97194,030137,8760
Number Of Employees111112212233230
EBITDA*-383-255-18-7-55-55476-20,205-1,70326,337-1,002-3,334-2,226-97,274-7,506

* Earnings Before Interest, Tax, Depreciation and Amortisation

Dec 2023Dec 2022Dec 2021Dec 2020Dec 2019Dec 2018Dec 2017Dec 2016Dec 2015Dec 2014Dec 2013Dec 2012Dec 2011Dec 2010Dec 2009
Tangible Assets000000000000000
Intangible Assets000000000000000
Investments & Other306,815306,815306,815306,815306,815306,815306,815306,815306,815306,815306,815306,815306,815306,815159,456
Debtors (Due After 1 year)000000000000000
Total Fixed Assets306,815306,815306,815306,815306,815306,815306,815306,815306,815306,815306,815306,815306,815306,815159,456
Stock & work in progress000000000000000
Trade Debtors00000000167,293190,326169,520167,189167,293167,2930
Group Debtors000000000000000
Misc Debtors167,293167,293167,293167,293167,293167,293167,293167,29300010400289,875
Cash7,2967,2967,2967,2967,2967,2967,29614,46360,325003,3255,5637,75613,761
misc current assets000000000000000
total current assets174,589174,589174,589174,589174,589174,589174,589181,756227,618190,326169,520170,618172,856175,049303,636
total assets481,404481,404481,404481,404481,404481,404481,404488,571534,433497,141476,335477,433479,671481,864463,092
Bank overdraft000000000000000
Bank loan000000000000000
Trade Creditors 00000702,862702,8622,889736,209697,365697,365697,469696,39500
Group/Directors Accounts15,78315,78315,78315,78315,7830019,7590000000
other short term finances000000000000000
hp & lease commitments000000000000000
other current liabilities687,079687,079687,079687,079687,07900687,811000000580,403
total current liabilities702,862702,862702,862702,862702,862702,862702,862710,459736,209697,365697,365697,469696,3950580,403
loans000000000000000
hp & lease commitments000000000000000
Accruals and Deferred Income000000000000000
other liabilities0000000000000696,3950
provisions000000000000000
total long term liabilities0000000000000696,3950
total liabilities702,862702,862702,862702,862702,862702,862702,862710,459736,209697,365697,365697,469696,395696,395580,403
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 2023Dec 2022Dec 2021Dec 2020Dec 2019Dec 2018Dec 2017Dec 2016Dec 2015Dec 2014Dec 2013Dec 2012Dec 2011Dec 2010Dec 2009
Operating Activities
Operating Profit-383-255-18-7-55-55476-20,205-1,70326,337-1,002-3,334-2,226-97,274-7,506
Depreciation000000000000000
Amortisation000000000000000
Tax000000-10100-5,5310000-20,084
Stock000000000000000
Debtors00000000-23,03320,8062,22700-122,582289,875
Creditors0000-702,8620699,973-733,32038,8440-1041,074696,39500
Accruals and Deferred Income0000687,0790-687,811687,81100000-580,403580,403
Deferred Taxes & Provisions000000000000000
Cash flow from operations-383-255-18-7-15,838-5512,537-65,71460,1740-3,333-2,260694,169-555,095262,938
Investing Activities
capital expenditure000000000000000
Change in Investments0000000000000147,359159,456
cash flow from investments0000000000000-147,359-159,456
Financing Activities
Bank loans000000000000000
Group/Directors Accounts000015,7830-19,75919,7590000000
Other Short Term Loans 000000000000000
Long term loans000000000000000
Hire Purchase and Lease Commitments000000000000000
other long term liabilities000000000000-696,395696,3950
share issue00000000000000-89,319
interest3832551875555549315108223354-402
cash flow from financing38325518715,83855-19,70519,8521510822-696,362696,449-89,721
cash and cash equivalents
cash000000-7,167-45,86260,3250-3,325-2,238-2,193-6,00513,761
overdraft000000000000000
change in cash000000-7,167-45,86260,3250-3,325-2,238-2,193-6,00513,761

carat finance limited 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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Carat Finance Limited Competitor Analysis

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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 Shareholders

christophe giovannetti 50%
alexandre giovannetti 50%

carat finance limited directors

Carat Finance Limited currently has 1 director, Mr Christophe Giovannetti serving since Feb 2008.

officercountryagestartendrole
Mr Christophe GiovannettiFrance66 years Feb 2008- Director

P&L

December 2023

turnover

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 2023

net 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

None

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

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