Oplo Group Ltd

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oplo group ltd Company Information

Live

EstablishedMicroDeclining

Company Number

05438114

Next Accounts

Sep 2025

Industry

Activities of financial services holding companies

Directors

Alexander Mollart

Matthew Donaldson

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Shareholders

oplo holdings ltd

Group Structure

View All

Contact

Registered Address

viscount court, sir frank whittle way, blackpool, FY4 2FB

Website

http://1ststopgroup.co.uk

oplo group ltd Estimated Valuation

£48.9m

Pomanda estimates the enterprise value of OPLO GROUP LTD at £48.9m based on an EBITDA of £11.5m and a 4.26x industry multiple (adjusted for size and gross margin).

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Oplo Group Ltd is a live company located in blackpool, FY4 2FB with a Companies House number of 05438114. It operates in the activities of financial services holding companies sector, SIC Code 64205. Founded in April 2005, it's largest shareholder is oplo holdings ltd with a 100% stake. Oplo Group Ltd is a established, micro sized company, Pomanda has estimated its turnover at £11.8k with declining growth in recent years.

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Pomanda's financial health check has awarded Oplo Group Ltd a 3 rating. We use a traffic light system to show it exceeds the industry average on 2 measures and has 4 areas for improvement. Company Health Check FAQs

Health Rating3out of 5

2 Strong

3 Regular

4 Weak

Size

annual sales of £11.8k, make it smaller than the average company (£12.2m)

Growth

3 year (CAGR) sales growth of -94%, show it is growing at a slower rate (9.2%)

EXPORT

Oplo Group Ltd's latest turnover from December 2023 is £11.8 thousand and the company has net assets of £1.4 million. According to their latest financial statements, we estimate that Oplo Group Ltd has 1 employee and maintains cash reserves of £326.6 thousand as reported in the balance sheet.

Data source: Companies House, Pomanda Estimates

	Dec 2023	Dec 2022	Dec 2021	Mar 2021	Mar 2020	Mar 2019	Mar 2018	Mar 2017	Mar 2016	Mar 2015	Mar 2014	Mar 2013	Mar 2012	Mar 2011	Mar 2010
Turnover	11,821	1,175	1,364	8,513,174	43,819,400	31,681,203	22,718,786	18,951,645	12,052,612	6,608,026	7,854,587	6,883,816	4,088,654	1,922,103	1,218,828
Other Income Or Grants	0	0	0	0	0	0	0	0	0	0	0	0	0	0	0
Cost Of Sales	2,247	0	294	592,523	6,201,076	5,060,490	4,277,417	5,650,108	4,103,851	2,024,358	2,983,820	2,000,983	959,204	506,462	469,002
Gross Profit	9,574	1,175	1,070	7,920,651	37,618,324	26,620,713	18,441,369	13,301,537	7,948,761	4,583,668	4,870,767	4,882,833	3,129,450	1,415,641	749,826
Admin Expenses	-10,326,491	-29,812,793	-8,571,738	7,933,778	25,287,521	15,441,024	11,470,073	9,028,502	5,010,602	2,633,099	2,639,118	3,028,316	1,750,332	713,378	588,594
Operating Profit	10,336,065	29,813,968	8,572,808	-13,127	12,330,803	11,179,689	6,971,296	4,273,035	2,938,159	1,950,569	2,231,649	1,854,517	1,379,118	702,263	161,232
Interest Payable	0	0	0	123,447	10,644,160	8,793,788	7,822,927	7,731,397	2,815,780	1,676,410	1,204,036	838,022	537,700	294,701	145,694
Interest Receivable	0	0	0	0	0	0	9,418	12,500	12,894	6,233	6,779	0	0	0	0
Pre-Tax Profit	7,389,301	23,967,059	236,285	-136,574	1,297,051	1,551,467	-842,213	-3,445,862	135,273	280,392	1,034,392	1,016,495	841,418	407,562	15,538
Tax	74,658	-122,037	-40,791	19,790	-264,788	-328,628	92,126	638,874	276,698	-377,564	-242,058	-208,517	-215,785	-98,620	-3,229
Profit After Tax	7,463,959	23,845,022	195,494	-116,784	1,032,263	1,222,839	-750,087	-2,806,988	411,971	-97,172	792,334	807,978	625,633	308,942	12,309
Dividends Paid	7,300,000	22,818,210	0	0	0	0	23,598	339,029	983,641	697,325	452,777	374,483	0	0	0
Retained Profit	163,959	1,026,812	195,494	-116,784	1,032,263	1,222,839	-773,685	-3,146,017	-567,825	-804,534	303,268	404,643	601,287	307,680	12,309
Employee Costs	0	8,704,340	8,361,813	4,863,453	8,058,540	6,446,450	5,515,935	3,916,513	2,897,800	1,908,211	1,742,298	1,135,331	1,374,146	693,551	369,055
Number Of Employees	1	193	260	231	227	170	150	112	97	74	81	54	21	10	6
EBITDA*	11,489,923	30,981,748	9,246,029	496,335	12,676,312	11,471,910	7,229,449	4,417,598	3,158,958	2,106,962	2,210,452	1,884,067	1,398,505	714,863	165,011

* Earnings Before Interest, Tax, Depreciation and Amortisation

	Dec 2023	Dec 2022	Dec 2021	Mar 2021	Mar 2020	Mar 2019	Mar 2018	Mar 2017	Mar 2016	Mar 2015	Mar 2014	Mar 2013	Mar 2012	Mar 2011	Mar 2010
Tangible Assets	549,114	810,215	792,839	1,644,823	968,150	772,794	718,954	480,166	586,633	532,562	360,328	99,795	82,109	96,618	98,308
Intangible Assets	995,280	1,791,529	2,653,447	1,252	0	11,138	30,383	49,627	109,938	153,441	79,634	-87,559	-112,576	-137,592	-162,608
Investments & Other	1,252	1,252	1,252	0	0	0	250,000	250,000	250,000	250,000	250,000	0	0	0	0
Debtors (Due After 1 year)	0	0	0	0	195,617,030	154,922,014	107,537,620	40,937,188	24,944,460	10,348,942	6,844,647	5,933,994	0	2,912,917	1,582,153
Total Fixed Assets	1,545,646	2,602,996	3,447,538	1,646,075	196,585,180	155,705,946	108,536,957	41,716,981	25,891,031	11,284,945	7,534,609	5,946,230	-30,467	2,871,943	1,517,853
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	0	2,481	3,298	6,000	3,925	11,224	0
Group Debtors	498,319	4,451,236	0	0	0	0	0	0	0	0	0	0	3,888,108	0	0
Misc Debtors	496,304	469,017	991,427	474,077	64,499,902	29,609,157	15,922,465	20,998,171	14,032,565	7,890,113	6,228,968	4,342,475	2,615,123	906,953	436,461
Cash	326,594	622,901	44,467	0	6,617,863	3,008,337	6,695,598	2,574,775	3,954,772	1,851,230	1,469,602	371,294	217,126	247,233	73,504
misc current assets	0	0	0	0	0	0	0	0	0	0	0	0	0	0	0
total current assets	1,321,217	5,543,154	1,035,894	474,077	71,117,765	32,617,494	22,618,063	23,572,946	17,987,337	9,743,824	7,701,868	4,719,769	6,724,282	1,165,410	509,965
total assets	2,866,863	8,146,150	4,483,432	2,120,152	267,702,945	188,323,440	131,155,020	65,289,927	43,878,368	21,028,769	15,236,477	10,665,999	6,693,815	4,037,353	2,027,818
Bank overdraft	0	0	0	11,917	0	0	0	0	0	0	0	0	0	0	0
Bank loan	0	0	0	0	0	549,804	988,625	6,549,077	0	0	0	0	0	0	0
Trade Creditors	46,816	54,641	1,080,228	950,135	2,209,568	2,252,450	1,678,257	194,405	609,334	162,979	116,535	115,684	133,764	49,915	13,197
Group/Directors Accounts	357,986	0	0	0	0	0	16,806,508	0	0	0	0	0	0	0	3,667
other short term finances	0	0	0	0	2,046,785	645,499	680,606	1,043,248	5,298,525	3,906,934	3,672,435	2,326,798	1,585,527	659,978	211,521
hp & lease commitments	0	0	0	0	0	0	0	31,389	50,506	93,189	23,031	3,405	9,340	13,439	25,249
other current liabilities	199,183	540,026	1,448,283	1,133,445	2,025,707	2,462,084	1,237,134	4,129,174	4,846,434	3,094,135	490,825	484,945	294,344	162,702	43,159
total current liabilities	603,985	594,667	2,528,511	2,095,497	6,282,060	5,909,837	21,391,130	11,947,293	10,804,799	7,257,237	4,302,826	2,930,832	2,022,975	886,034	296,793
loans	909,662	6,362,226	1,792,476	57,704	263,033,853	185,059,379	113,632,505	56,437,692	32,983,915	13,031,951	9,437,196	6,648,369	4,020,498	2,919,246	1,653,404
hp & lease commitments	0	0	0	0	0	0	0	0	38,693	60,010	45,636	7,465	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	0	0
provisions	0	0	0	0	0	0	0	0	0	56,940	33,691	1,762	6,271	6,635	3,992
total long term liabilities	909,662	6,362,226	1,792,476	57,704	263,033,853	185,059,379	113,632,505	56,437,692	33,022,608	13,148,901	9,516,523	6,657,596	4,026,769	2,925,881	1,657,396
total liabilities	1,513,647	6,956,893	4,320,987	2,153,201	269,315,913	190,969,216	135,023,635	68,384,985	43,827,407	20,406,138	13,819,349	9,588,428	6,049,744	3,811,915	1,954,189
net assets	1,353,216	1,189,257	162,445	-33,049	-1,612,968	-2,645,776	-3,868,615	-3,095,058	-45,980	521,845	1,326,379	1,023,111	618,463	224,176	73,629
total shareholders funds	1,353,216	1,189,257	162,445	-33,049	-1,612,968	-2,645,776	-3,868,615	-3,095,058	-45,980	521,845	1,326,379	1,023,111	618,463	224,176	73,629

	Dec 2023	Dec 2022	Dec 2021	Mar 2021	Mar 2020	Mar 2019	Mar 2018	Mar 2017	Mar 2016	Mar 2015	Mar 2014	Mar 2013	Mar 2012	Mar 2011	Mar 2010
Operating Activities
Operating Profit	10,336,065	29,813,968	8,572,808	-13,127	12,330,803	11,179,689	6,971,296	4,273,035	2,938,159	1,950,569	2,231,649	1,854,517	1,379,118	702,263	161,232
Depreciation	357,609	305,862	175,687	509,462	334,372	272,976	238,908	125,317	177,296	125,127	57,811	54,567	44,403	37,616	28,795
Amortisation	796,249	861,918	497,534	0	11,137	19,245	19,245	19,246	43,503	31,266	-79,008	-25,017	-25,016	-25,016	-25,016
Tax	74,658	-122,037	-40,791	19,790	-264,788	-328,628	92,126	638,874	276,698	-377,564	-242,058	-208,517	-215,785	-98,620	-3,229
Stock	0	0	0	0	0	0	0	0	0	0	0	0	0	0	0
Debtors	-3,925,630	3,928,826	-259,125,505	-259,642,855	75,585,761	61,071,086	61,524,726	22,958,334	20,735,489	5,164,623	2,794,444	3,775,313	2,676,062	1,812,480	2,018,614
Creditors	-7,825	-1,025,587	-1,129,340	-1,259,433	-42,882	574,193	1,483,852	-414,929	446,355	46,444	851	-18,080	83,849	36,718	13,197
Accruals and Deferred Income	-340,843	-908,257	-577,424	-892,262	-436,377	1,224,950	-2,892,040	-717,260	1,752,299	2,603,310	5,880	190,601	131,642	119,543	43,159
Deferred Taxes & Provisions	0	0	0	0	0	0	0	0	-56,940	23,249	31,929	-4,509	-364	2,643	3,992
Cash flow from operations	15,141,543	24,997,041	266,623,979	258,007,285	-63,653,496	-48,128,661	-55,611,339	-19,034,051	-15,158,119	-762,222	-787,390	-1,931,751	-1,278,215	-1,037,333	-1,796,484
Investing Activities
capital expenditure	-96,508	-323,238	0	0	0	-75,261	-477,689	0	-118,789	-402,434	-656,694	-72,253	-29,894	-35,926	60,521
Change in Investments	0	0	1,252	0	0	-250,000	0	0	0	0	250,000	0	0	0	0
cash flow from investments	-96,508	-323,238	-1,252	0	0	174,739	-477,689	0	-118,789	-402,434	-906,694	-72,253	-29,894	-35,926	60,521
Financing Activities
Bank loans	0	0	0	0	-549,804	-438,821	-5,560,452	6,549,077	0	0	0	0	0	0	0
Group/Directors Accounts	357,986	0	0	0	0	-16,806,508	16,806,508	0	0	0	0	0	0	-3,667	3,667
Other Short Term Loans	0	0	-2,046,785	-2,046,785	1,401,286	-35,107	-362,642	-4,255,277	1,391,591	234,499	1,345,637	741,271	925,549	448,457	211,521
Long term loans	-5,452,564	4,569,750	-261,241,377	-262,976,149	77,974,474	71,426,874	57,194,813	23,453,777	19,951,964	3,594,755	2,788,827	2,627,871	1,101,252	1,265,842	1,653,404
Hire Purchase and Lease Commitments	0	0	0	0	0	0	-31,389	-57,810	-64,000	84,532	57,797	1,530	-4,099	-11,810	25,249
other long term liabilities	0	0	0	0	0	0	0	0	0	0	0	0	0	0	0
share issue	0	0	1,579,919	1,696,703	545	0	128	96,939	0	0	0	5	-207,000	-157,133	61,320
interest	0	0	0	-123,447	-10,644,160	-8,793,788	-7,813,509	-7,718,897	-2,802,886	-1,670,177	-1,197,257	-838,022	-537,700	-294,701	-145,694
cash flow from financing	-5,094,578	4,569,750	-261,708,243	-263,449,678	68,182,341	45,352,650	60,233,457	18,067,809	18,476,669	2,243,609	2,995,004	2,532,655	1,278,002	1,246,988	1,809,467
cash and cash equivalents
cash	-296,307	578,434	-6,573,396	-6,617,863	3,609,526	-3,687,261	4,120,823	-1,379,997	2,103,542	381,628	1,098,308	154,168	-30,107	173,729	73,504
overdraft	0	0	0	11,917	0	0	0	0	0	0	0	0	0	0	0
change in cash	-296,307	578,434	-6,573,396	-6,629,780	3,609,526	-3,687,261	4,120,823	-1,379,997	2,103,542	381,628	1,098,308	154,168	-30,107	173,729	73,504

Very Low Risk70 - 100

Low Risk50 - 70

Moderate Risk30 - 50

High Risk20 - 30

Very High Risk0 - 20

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OPLO GROUP LTD group structure

Oplo Group Ltd has 5 subsidiary companies.

Ultimate parent company

TANDEM MONEY LIMITED

08628614

OPLO HOLDINGS LTD

10024904

2 parents

OPLO GROUP LTD

05438114

5 subsidiaries

OPLO RESERVE LTD

09191901

TANDEM PERSONAL LOANS LIMITED

08457740

TANDEM HOME LOANS LIMITED

05667257

OPLO FUNDING LTD

09827589

TANDEM MOTOR FINANCE LIMITED

07213812

OPLO GROUP LTD Shareholders

oplo holdings ltd

100%

Oplo Group Ltd currently has 4 directors. The longest serving directors include Mr Alexander Mollart (Apr 2005) and Mr Matthew Donaldson (Apr 2021).

officer	country	age	start	end	role
Mr Alexander Mollart	United Kingdom	49 years	Apr 2005	-	Director
Mr Matthew Donaldson	England	51 years	Apr 2021	-	Director
Ms Susannah Aliker		58 years	Jan 2022	-	Director
Mr Stephen Beard	United Kingdom	47 years	Jan 2023	-	Director

P&L

December 2023

turnover

11.8k

+906%

operating profit

10.3m

gross margin

81%

-19.01%

turnover

Turnover, or revenue, is the amount of sales generated by a company within the financial year.

Balance Sheet

December 2023

net assets

1.4m

+0.14%

total assets

2.9m

-0.65%

cash

326.6k

-0.48%

net assets

Total assets minus all liabilities

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company number

05438114

Type

Private limited with Share Capital

industry

64205 - Activities of financial services holding companies

incorporation date

April 2005

ultimate parent company

TANDEM MONEY LIMITED

previous names

the 1st stop group limited (August 2020)

address

viscount court, sir frank whittle way, blackpool, FY4 2FB

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 9 charges/mortgages relating to oplo group ltd. Currently there are 3 open charges and 6 have been satisfied in the past.

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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oplo group ltd Company Information

oplo group ltd Estimated Valuation

oplo group ltd Estimated Valuation

oplo group ltd Estimated Valuation

Oplo Group Ltd Overview

Oplo Group Ltd Health Check

OPLO GROUP LTD financials

oplo group ltd Credit Report and Business Information

Oplo Group Ltd Competitor Analysis

oplo group ltd Ownership

oplo group ltd directors

oplo group ltd company details

oplo group ltd Charges & Mortgages

oplo group ltd Capital Raised & Share Issues BETA

oplo group ltd Companies House Filings - See Documents