blackfinch financial limited
blackfinch financial limited Company Information
Company Number
05390958
Next Accounts
Sep 2025
Shareholders
blackfinch group limited
Group Structure
View All
Industry
Other financial service activities, except insurance and pension funding, (not including security dealing on own account and factoring) n.e.c.
Registered Address
1350 - 1360 montpellier court, brockworth, gloucester, GL3 4AH
Website
www.blackfinch.comblackfinch financial limited Estimated Valuation
Pomanda estimates the enterprise value of BLACKFINCH FINANCIAL LIMITED at £6.8m based on a Turnover of £4.9m and 1.38x industry multiple (adjusted for size and gross margin).
blackfinch financial limited Estimated Valuation
Pomanda estimates the enterprise value of BLACKFINCH FINANCIAL LIMITED at £336.5k based on an EBITDA of £70.5k and a 4.77x industry multiple (adjusted for size and gross margin).
blackfinch financial limited Estimated Valuation
Pomanda estimates the enterprise value of BLACKFINCH FINANCIAL LIMITED at £0 based on Net Assets of £-141.8k and 1.34x industry multiple (adjusted for liquidity).
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Blackfinch Financial Limited Overview
Blackfinch Financial Limited is a live company located in gloucester, GL3 4AH with a Companies House number of 05390958. It operates in the financial intermediation not elsewhere classified sector, SIC Code 64999. Founded in March 2005, it's largest shareholder is blackfinch group limited with a 100% stake. Blackfinch Financial Limited is a mature, small sized company, Pomanda has estimated its turnover at £4.9m with low growth in recent years.
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Blackfinch Financial Limited Health Check
Pomanda's financial health check has awarded Blackfinch Financial Limited a 2 rating. We use a traffic light system to show it exceeds the industry average on 2 measures and has 6 areas for improvement. Company Health Check FAQs
2 Strong
2 Regular
6 Weak
Size
annual sales of £4.9m, make it in line with the average company (£5.5m)
£4.9m - Blackfinch Financial Limited
£5.5m - Industry AVG
Growth
3 year (CAGR) sales growth of 4%, show it is growing at a slower rate (4.9%)
4% - Blackfinch Financial Limited
4.9% - Industry AVG
Production
with a gross margin of 50%, this company has a comparable cost of product (54%)
50% - Blackfinch Financial Limited
54% - Industry AVG
Profitability
an operating margin of 1.4% make it less profitable than the average company (9.1%)
1.4% - Blackfinch Financial Limited
9.1% - Industry AVG
Employees
with 18 employees, this is above the industry average (14)
18 - Blackfinch Financial Limited
14 - Industry AVG
Pay Structure
on an average salary of £128.6k, the company has a higher pay structure (£82.7k)
£128.6k - Blackfinch Financial Limited
£82.7k - Industry AVG
Efficiency
resulting in sales per employee of £273.5k, this is more efficient (£224.1k)
£273.5k - Blackfinch Financial Limited
£224.1k - Industry AVG
Debtor Days
There is insufficient data available for this Key Performance Indicator!
- - Blackfinch Financial Limited
- - Industry AVG
Creditor Days
its suppliers are paid after 3 days, this is quicker than average (46 days)
3 days - Blackfinch Financial Limited
46 days - Industry AVG
Stock Days
There is insufficient data available for this Key Performance Indicator!
- - Blackfinch Financial Limited
- - Industry AVG
Cash Balance
has cash to cover current liabilities for 0 weeks, this is less cash available to meet short term requirements (29 weeks)
0 weeks - Blackfinch Financial Limited
29 weeks - Industry AVG
Debt Level
it has a ratio of liabilities to total assets of 120.2%, this is a higher level of debt than the average (70.9%)
120.2% - Blackfinch Financial Limited
70.9% - Industry AVG
BLACKFINCH FINANCIAL LIMITED financials
Blackfinch Financial Limited's latest turnover from December 2023 is £4.9 million and the company has net assets of -£141.8 thousand. According to their latest financial statements, Blackfinch Financial Limited has 18 employees and maintains cash reserves of £7.5 thousand as reported in the balance sheet.
Data source: Companies House, Pomanda Estimates
| Dec 2023 | Dec 2022 | Dec 2021 | Dec 2020 | Dec 2019 | Oct 2018 | Oct 2017 | Oct 2016 | Oct 2015 | Oct 2014 | Oct 2013 | Nov 2012 | Nov 2011 | Nov 2010 | Dec 2009 | |
|---|---|---|---|---|---|---|---|---|---|---|---|---|---|---|---|
| Turnover | 4,923,668 | 3,987,241 | 1,425,000 | 4,396,000 | 5,351,750 | 2,165,605 | 500,000 | 80,000 | 5,115 | 2,575,133 | 8,011,036 | 10,260,770 | 6,975,777 | 5,612,221 | 15,233,693 |
| Other Income Or Grants | |||||||||||||||
| Cost Of Sales | 2,461,834 | 1,993,620 | 712,500 | 2,198,000 | 2,511,072 | 7,718,226 | 9,754,586 | 6,734,281 | 5,584,706 | 15,166,361 | |||||
| Gross Profit | 2,461,834 | 1,993,621 | 712,500 | 2,198,000 | 5,351,750 | 64,061 | 292,810 | 506,184 | 241,496 | 27,515 | 67,332 | ||||
| Admin Expenses | 2,391,360 | 1,878,226 | 1,147,278 | 910,326 | 649,620 | 493,874 | 619,728 | 434,868 | 290,485 | 76,881 | 9,343 | ||||
| Operating Profit | 70,474 | 115,395 | -434,778 | 1,287,674 | 4,702,130 | 1,910,489 | 451,005 | -723,722 | -429,813 | -326,918 | 71,316 | -48,989 | -49,366 | 57,989 | |
| Interest Payable | 3,960 | 11,120 | 778 | 3,790 | 3,474 | 771 | 4,100 | 4,561 | 3,352 | 170 | |||||
| Interest Receivable | 123 | 8 | |||||||||||||
| Pre-Tax Profit | 70,474 | 115,395 | -438,615 | 1,276,554 | 4,701,352 | 1,910,497 | 451,005 | -391,427 | -727,512 | -433,287 | -327,689 | 67,216 | -53,550 | -52,718 | 57,819 |
| Tax | -16,576 | -21,925 | 109,881 | -242,545 | -889,738 | -362,995 | -91,103 | 78,285 | 192,440 | 109,388 | 69 | 54,716 | -9,979 | ||
| Profit After Tax | 53,898 | 93,470 | -328,734 | 1,034,009 | 3,811,614 | 1,547,502 | 359,902 | -313,142 | -535,072 | -323,899 | -327,620 | 67,216 | -53,550 | 1,998 | 47,840 |
| Dividends Paid | 1,450,000 | 3,780,583 | |||||||||||||
| Retained Profit | 53,898 | 93,470 | -328,734 | -415,991 | 31,031 | 1,547,502 | 359,902 | -313,142 | -535,072 | -323,899 | -327,620 | 67,216 | -53,550 | 1,998 | 47,840 |
| Employee Costs | 2,314,875 | 1,828,469 | 1,081,441 | 949,407 | 615,145 | 212,226 | 40,000 | 462,918 | 716,686 | 560,118 | 557,362 | 337,157 | 261,227 | ||
| Number Of Employees | 18 | 16 | 10 | 10 | 7 | 7 | 3 | 18 | 16 | 14 | 14 | 9 | 10 | 2 | |
| EBITDA* | 70,474 | 115,395 | -434,778 | 1,287,674 | 4,702,130 | 1,910,489 | 451,005 | -723,722 | -429,813 | -326,918 | 71,316 | -48,989 | -49,366 | 57,989 |
* Earnings Before Interest, Tax, Depreciation and Amortisation
| Dec 2023 | Dec 2022 | Dec 2021 | Dec 2020 | Dec 2019 | Oct 2018 | Oct 2017 | Oct 2016 | Oct 2015 | Oct 2014 | Oct 2013 | Nov 2012 | Nov 2011 | Nov 2010 | Dec 2009 | |
|---|---|---|---|---|---|---|---|---|---|---|---|---|---|---|---|
| Tangible Assets | |||||||||||||||
| Intangible Assets | |||||||||||||||
| Investments & Other | 108,253 | ||||||||||||||
| Debtors (Due After 1 year) | |||||||||||||||
| Total Fixed Assets | 108,253 | ||||||||||||||
| Stock & work in progress | 17,239 | 27,259 | |||||||||||||
| Trade Debtors | 1,950 | 13,691 | |||||||||||||
| Group Debtors | 653,198 | 2,004,894 | 1,007,361 | 1,196,809 | 2,182,919 | 3,617,150 | 781,079 | 74,174 | 74,175 | 74,173 | 203,174 | 224,379 | 203,174 | 203,174 | |
| Misc Debtors | 40,790 | 4,926 | 5,108 | 3,144 | 1,329 | 1,577 | 18,103 | 108,517 | 103 | 109,388 | 3,545 | 55,641 | |||
| Cash | 7,542 | 7,961 | 68,120 | 245 | 37,322 | 15,612 | 2,728 | 17,115 | 73,789 | 71,084 | |||||
| misc current assets | |||||||||||||||
| total current assets | 701,530 | 2,017,781 | 1,080,589 | 1,200,198 | 2,221,570 | 3,634,339 | 801,910 | 201,756 | 148,067 | 183,561 | 277,803 | 224,379 | 203,174 | 289,745 | 27,259 |
| total assets | 701,530 | 2,017,781 | 1,080,589 | 1,200,198 | 2,221,570 | 3,634,339 | 801,910 | 201,756 | 256,320 | 183,561 | 277,803 | 224,379 | 203,174 | 289,745 | 27,259 |
| Bank overdraft | 125,503 | 7,145 | 99,503 | 211,128 | 10,956 | ||||||||||
| Bank loan | |||||||||||||||
| Trade Creditors | 25,858 | 4,539 | 3 | 995 | 312 | 10,200 | 7,600 | 4,508 | |||||||
| Group/Directors Accounts | 488,974 | 1,720,500 | 1,823,000 | 1,644,583 | 1,390,411 | 658,000 | 495,116 | 108,671 | 126,404 | 71,426 | 534 | ||||
| other short term finances | |||||||||||||||
| hp & lease commitments | |||||||||||||||
| other current liabilities | 817,482 | 2,208,950 | 1,369,764 | 670,673 | 1,766,023 | 1,489,323 | 101,584 | 40,061 | 35,655 | 24,532 | 85,862 | 87,210 | 27,638 | 4,011 | 14,587 |
| total current liabilities | 843,340 | 2,213,489 | 1,369,767 | 1,160,642 | 1,766,023 | 3,209,823 | 1,924,896 | 1,684,644 | 1,426,066 | 818,235 | 588,578 | 207,534 | 253,545 | 286,565 | 26,077 |
| loans | |||||||||||||||
| hp & lease commitments | |||||||||||||||
| Accruals and Deferred Income | |||||||||||||||
| other liabilities | |||||||||||||||
| provisions | |||||||||||||||
| total long term liabilities | |||||||||||||||
| total liabilities | 843,340 | 2,213,489 | 1,369,767 | 1,160,642 | 1,766,023 | 3,209,823 | 1,924,896 | 1,684,644 | 1,426,066 | 818,235 | 588,578 | 207,534 | 253,545 | 286,565 | 26,077 |
| net assets | -141,810 | -195,708 | -289,178 | 39,556 | 455,547 | 424,516 | -1,122,986 | -1,482,888 | -1,169,746 | -634,674 | -310,775 | 16,845 | -50,371 | 3,180 | 1,182 |
| total shareholders funds | -141,810 | -195,708 | -289,178 | 39,556 | 455,547 | 424,516 | -1,122,986 | -1,482,888 | -1,169,746 | -634,674 | -310,775 | 16,845 | -50,371 | 3,180 | 1,182 |
| Dec 2023 | Dec 2022 | Dec 2021 | Dec 2020 | Dec 2019 | Oct 2018 | Oct 2017 | Oct 2016 | Oct 2015 | Oct 2014 | Oct 2013 | Nov 2012 | Nov 2011 | Nov 2010 | Dec 2009 | |
|---|---|---|---|---|---|---|---|---|---|---|---|---|---|---|---|
| Operating Activities | |||||||||||||||
| Operating Profit | 70,474 | 115,395 | -434,778 | 1,287,674 | 4,702,130 | 1,910,489 | 451,005 | -723,722 | -429,813 | -326,918 | 71,316 | -48,989 | -49,366 | 57,989 | |
| Depreciation | |||||||||||||||
| Amortisation | |||||||||||||||
| Tax | -16,576 | -21,925 | 109,881 | -242,545 | -889,738 | -362,995 | -91,103 | 78,285 | 192,440 | 109,388 | 69 | 54,716 | -9,979 | ||
| Stock | -17,239 | -10,020 | 27,259 | ||||||||||||
| Debtors | -1,315,832 | 997,351 | -187,484 | -984,295 | -1,434,479 | 2,819,545 | 614,541 | 110,363 | -109,283 | -23,158 | -17,660 | 21,205 | -69,332 | 272,506 | |
| Creditors | 21,319 | 4,536 | -992 | 995 | -312 | 312 | -10,200 | 2,600 | 3,092 | 4,508 | |||||
| Accruals and Deferred Income | -1,391,468 | 839,186 | 699,091 | -1,095,350 | 276,700 | 1,387,739 | 61,523 | 4,406 | 11,123 | -61,330 | -1,348 | 59,572 | 23,627 | -10,576 | 14,587 |
| Deferred Taxes & Provisions | |||||||||||||||
| Cash flow from operations | -419 | -60,159 | 560,686 | 935,069 | 5,523,571 | 115,376 | -192,804 | -421,076 | -355,997 | -307,445 | 114,191 | 61,209 | -267,712 | 35,338 | |
| Investing Activities | |||||||||||||||
| capital expenditure | |||||||||||||||
| Change in Investments | -108,253 | 108,253 | |||||||||||||
| cash flow from investments | 108,253 | -108,253 | |||||||||||||
| Financing Activities | |||||||||||||||
| Bank loans | |||||||||||||||
| Group/Directors Accounts | -488,974 | 488,974 | -1,720,500 | -102,500 | 178,417 | 254,172 | 732,411 | 162,884 | 386,445 | -17,733 | 54,978 | 70,892 | 534 | ||
| Other Short Term Loans | |||||||||||||||
| Long term loans | |||||||||||||||
| Hire Purchase and Lease Commitments | |||||||||||||||
| other long term liabilities | |||||||||||||||
| share issue | |||||||||||||||
| interest | -3,837 | -11,120 | -778 | 8 | -3,790 | -3,474 | -771 | -4,100 | -4,561 | -3,352 | -170 | ||||
| cash flow from financing | -492,811 | 477,854 | -1,721,278 | -102,492 | 178,417 | 254,172 | 728,621 | 159,410 | 385,674 | -21,833 | 50,416 | 67,540 | -46,294 | ||
| cash and cash equivalents | |||||||||||||||
| cash | -419 | -60,159 | 67,875 | -37,077 | 21,710 | 12,884 | -14,387 | -56,674 | 73,789 | -71,084 | 71,084 | ||||
| overdraft | -125,503 | 125,503 | -7,145 | -92,358 | -111,625 | 200,172 | 10,956 | ||||||||
| change in cash | -419 | -60,159 | 67,875 | -37,077 | 21,710 | 12,884 | -14,387 | -56,674 | 199,292 | -196,587 | 78,229 | 92,358 | 111,625 | -200,172 | -10,956 |
blackfinch financial limited Credit Report and Business Information
Blackfinch Financial Limited Competitor Analysis
Perform a competitor analysis for blackfinch financial limited by selecting its closest rivals, whether from the FINANCIAL AND INSURANCE ACTIVITIES sector, other small companies, companies in GL3 area or any other competitors across 12 key performance metrics.
blackfinch financial limited Ownership
BLACKFINCH FINANCIAL LIMITED group structure
Blackfinch Financial Limited has no subsidiary companies.
Ultimate parent company
2 parents
BLACKFINCH FINANCIAL LIMITED
05390958
blackfinch financial limited directors
Blackfinch Financial Limited currently has 2 directors. The longest serving directors include Mr Richard Cook (May 2008) and Mr Richard Simmonds (Nov 2016).
| officer | country | age | start | end | role |
|---|---|---|---|---|---|
| Mr Richard Cook | United Kingdom | 47 years | May 2008 | - | Director |
| Mr Richard Simmonds | England | 45 years | Nov 2016 | - | Director |
P&L
December 2023turnover
4.9m
+23%
operating profit
70.5k
-39%
gross margin
50%
0%
turnover
Turnover, or revenue, is the amount of sales generated by a company within the financial year.
Balance Sheet
December 2023net assets
-141.8k
-0.28%
total assets
701.5k
-0.65%
cash
7.5k
-0.05%
net assets
Total assets minus all liabilities
blackfinch financial limited company details
company number
05390958
Type
Private limited with Share Capital
industry
64999 - Other financial service activities, except insurance and pension funding, (not including security dealing on own account and factoring) n.e.c.
incorporation date
March 2005
age
20
incorporated
UK
ultimate parent company
accounts
Full Accounts
last accounts submitted
December 2023
previous names
lsa financial ltd (September 2014)
accountant
-
auditor
KENDALL WADLEY LLP
address
1350 - 1360 montpellier court, brockworth, gloucester, GL3 4AH
Bank
-
Legal Advisor
-
blackfinch financial 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 found 1 charges/mortgages relating to blackfinch financial limited. Currently there are 0 open charges and 1 have been satisfied in the past.
blackfinch financial 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.
Click to start generating capital raising & share issue transactions for BLACKFINCH FINANCIAL LIMITED. This can take several minutes, an email will notify you when this has completed.
blackfinch financial limited Companies House Filings - See Documents
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