electronic card acceptance company limited
electronic card acceptance company limited Company Information
Company Number
05652935
Next Accounts
Sep 2025
Industry
Financial leasing
Shareholders
karen leigh simpson
simon barrie pond
View AllGroup Structure
View All
Contact
Registered Address
the numbers quarter, dombey court, the pilgrim centre, bedford, bedfordshire, MK41 7PZ
Website
https://www.pdqmachines.comelectronic card acceptance company limited Estimated Valuation
Pomanda estimates the enterprise value of ELECTRONIC CARD ACCEPTANCE COMPANY LIMITED at £690k based on a Turnover of £512k and 1.35x industry multiple (adjusted for size and gross margin).
electronic card acceptance company limited Estimated Valuation
Pomanda estimates the enterprise value of ELECTRONIC CARD ACCEPTANCE COMPANY LIMITED at £0 based on an EBITDA of £-40.4k and a 5.19x industry multiple (adjusted for size and gross margin).
electronic card acceptance company limited Estimated Valuation
Pomanda estimates the enterprise value of ELECTRONIC CARD ACCEPTANCE COMPANY LIMITED at £0 based on Net Assets of £-18.5k and 1.99x industry multiple (adjusted for liquidity).
Edit your figures and get a professional valuation report.
Electronic Card Acceptance Company Limited Overview
Electronic Card Acceptance Company Limited is a live company located in bedford, MK41 7PZ with a Companies House number of 05652935. It operates in the financial leasing sector, SIC Code 64910. Founded in December 2005, it's largest shareholder is karen leigh simpson with a 52% stake. Electronic Card Acceptance Company Limited is a established, small sized company, Pomanda has estimated its turnover at £512k with declining growth in recent years.
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Electronic Card Acceptance Company Limited Health Check
Pomanda's financial health check has awarded Electronic Card Acceptance Company Limited a 2 rating. We use a traffic light system to show it exceeds the industry average on 2 measures and has 7 areas for improvement. Company Health Check FAQs
2 Strong
2 Regular
7 Weak
Size
annual sales of £512k, make it smaller than the average company (£3m)
- Electronic Card Acceptance Company Limited
£3m - Industry AVG
Growth
3 year (CAGR) sales growth of -27%, show it is growing at a slower rate (-0.4%)
- Electronic Card Acceptance Company Limited
-0.4% - Industry AVG
Production
with a gross margin of 49.5%, this company has a comparable cost of product (49.5%)
- Electronic Card Acceptance Company Limited
49.5% - Industry AVG
Profitability
an operating margin of -8.1% make it less profitable than the average company (36.3%)
- Electronic Card Acceptance Company Limited
36.3% - Industry AVG
Employees
with 2 employees, this is below the industry average (8)
2 - Electronic Card Acceptance Company Limited
8 - Industry AVG
Pay Structure
on an average salary of £69.4k, the company has an equivalent pay structure (£69.4k)
- Electronic Card Acceptance Company Limited
£69.4k - Industry AVG
Efficiency
resulting in sales per employee of £256k, this is less efficient (£538.1k)
- Electronic Card Acceptance Company Limited
£538.1k - Industry AVG
Debtor Days
it gets paid by customers after 10 days, this is earlier than average (48 days)
- Electronic Card Acceptance Company Limited
48 days - Industry AVG
Creditor Days
its suppliers are paid after 22 days, this is quicker than average (34 days)
- Electronic Card Acceptance Company Limited
34 days - Industry AVG
Stock Days
There is insufficient data available for this Key Performance Indicator!
- Electronic Card Acceptance Company Limited
- - Industry AVG
Cash Balance
has cash to cover current liabilities for 20 weeks, this is more cash available to meet short term requirements (6 weeks)
20 weeks - Electronic Card Acceptance Company Limited
6 weeks - Industry AVG
Debt Level
it has a ratio of liabilities to total assets of 136.7%, this is a higher level of debt than the average (96%)
136.7% - Electronic Card Acceptance Company Limited
96% - Industry AVG
ELECTRONIC CARD ACCEPTANCE COMPANY LIMITED financials
Electronic Card Acceptance Company Limited's latest turnover from December 2023 is estimated at £512 thousand and the company has net assets of -£18.5 thousand. According to their latest financial statements, Electronic Card Acceptance Company Limited has 2 employees and maintains cash reserves of £22 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 | |||||||||||||||
| Other Income Or Grants | |||||||||||||||
| Cost Of Sales | |||||||||||||||
| Gross Profit | 394,818 | 280,321 | 262,882 | 306,177 | |||||||||||
| Admin Expenses | 326,360 | 293,183 | 307,781 | 308,442 | |||||||||||
| Operating Profit | 68,458 | -12,862 | -44,899 | -2,265 | |||||||||||
| Interest Payable | 0 | 0 | 0 | 0 | |||||||||||
| Interest Receivable | 0 | 0 | 0 | 0 | |||||||||||
| Pre-Tax Profit | 68,458 | -12,862 | -44,899 | -2,265 | |||||||||||
| Tax | -1,637 | 0 | 0 | 0 | |||||||||||
| Profit After Tax | 66,821 | -12,862 | -44,899 | -2,265 | |||||||||||
| Dividends Paid | 0 | 0 | 0 | 0 | |||||||||||
| Retained Profit | 66,821 | -12,862 | -44,899 | -2,265 | |||||||||||
| Employee Costs | |||||||||||||||
| Number Of Employees | 2 | 2 | 3 | 5 | 5 | 5 | 4 | 8 | 9 | ||||||
| EBITDA* | 68,458 | -12,862 | -44,899 | -1,744 |
* 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 | 1,333 | 2,633 | 2,840 | 8,321 | 14,000 | 1,906 | 0 | 0 | 0 | 521 | 695 | 4,230 | 12,564 | 15,259 | 77,335 |
| Intangible Assets | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 |
| Investments & Other | 0 | 0 | 0 | 0 | 0 | 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 | 0 | 0 | 0 | 0 | 0 |
| Total Fixed Assets | 1,333 | 2,633 | 2,840 | 8,321 | 14,000 | 1,906 | 0 | 0 | 0 | 521 | 695 | 4,230 | 12,564 | 15,259 | 77,335 |
| Stock & work in progress | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 1,050 | 510 | 2,484 | 0 | 3,000 |
| Trade Debtors | 14,113 | 14,900 | 20,369 | 7,246 | 8,492 | 17,636 | 11,058 | 17,552 | 48,805 | 39,090 | 11,211 | 32,487 | 100 | 3,283 | 32,485 |
| Group Debtors | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 |
| Misc Debtors | 13,022 | 62 | 8,327 | 702 | 15,605 | 100 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 |
| Cash | 22,016 | 78,982 | 98,263 | 72,374 | 53,804 | 60,281 | 11,069 | 35,921 | 54,489 | 29,024 | 12,153 | 5,713 | 17,475 | 19,839 | 11,811 |
| misc current assets | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 |
| total current assets | 49,151 | 93,944 | 126,959 | 80,322 | 77,901 | 78,017 | 22,127 | 53,473 | 103,294 | 68,114 | 24,414 | 38,710 | 20,059 | 23,122 | 47,296 |
| total assets | 50,484 | 96,577 | 129,799 | 88,643 | 91,901 | 79,923 | 22,127 | 53,473 | 103,294 | 68,635 | 25,109 | 42,940 | 32,623 | 38,381 | 124,631 |
| Bank overdraft | 10,000 | 10,000 | 10,000 | 5,000 | 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 | 16,029 | 13,356 | 2,216 | 2,693 | 5,392 | 7,579 | 40,473 | 58,957 | 63,879 | 26,955 | 9,872 | 30,552 | 10,434 | 21,516 | 22,897 |
| Group/Directors Accounts | 0 | 0 | 0 | 1,870 | 24,236 | 13,519 | 0 | 0 | 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 | 28,800 | 25,218 | 23,950 | 4,558 | 8,239 | 10,350 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 |
| total current liabilities | 54,829 | 48,574 | 36,166 | 14,121 | 37,867 | 31,448 | 40,473 | 58,957 | 63,879 | 26,955 | 9,872 | 30,552 | 10,434 | 21,516 | 22,897 |
| loans | 14,165 | 24,167 | 34,167 | 45,000 | 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 | 0 | 59,785 |
| provisions | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 |
| total long term liabilities | 14,165 | 24,167 | 34,167 | 45,000 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 59,785 |
| total liabilities | 68,994 | 72,741 | 70,333 | 59,121 | 37,867 | 31,448 | 40,473 | 58,957 | 63,879 | 26,955 | 9,872 | 30,552 | 10,434 | 21,516 | 82,682 |
| net assets | -18,510 | 23,836 | 59,466 | 29,522 | 54,034 | 48,475 | -18,346 | -5,484 | 39,415 | 41,680 | 15,237 | 12,388 | 22,189 | 16,865 | 41,949 |
| total shareholders funds | -18,510 | 23,836 | 59,466 | 29,522 | 54,034 | 48,475 | -18,346 | -5,484 | 39,415 | 41,680 | 15,237 | 12,388 | 22,189 | 16,865 | 41,949 |
| 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 | 68,458 | -12,862 | -44,899 | -2,265 | |||||||||||
| Depreciation | 1,300 | 2,419 | 5,481 | 5,679 | 4,524 | 0 | 0 | 0 | 521 | 956 | 4,577 | 10,935 | 10,069 | 5,087 | 25,779 |
| Amortisation | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 |
| Tax | -1,637 | 0 | 0 | 0 | |||||||||||
| Stock | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | -1,050 | 540 | -1,974 | 2,484 | -3,000 | 3,000 |
| Debtors | 12,173 | -13,734 | 20,748 | -16,149 | 6,361 | 6,678 | -6,494 | -31,253 | 9,715 | 27,879 | -21,276 | 32,387 | -3,183 | -29,202 | 32,485 |
| Creditors | 2,673 | 11,140 | -477 | -2,699 | -2,187 | -32,894 | -18,484 | -4,922 | 36,924 | 17,083 | -20,680 | 20,118 | -11,082 | -1,381 | 22,897 |
| Accruals and Deferred Income | 3,582 | 1,268 | 19,392 | -3,681 | -2,111 | 10,350 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 |
| Deferred Taxes & Provisions | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 |
| Cash flow from operations | 37,599 | -24,852 | -18,568 | 25,465 | |||||||||||
| Investing Activities | |||||||||||||||
| capital expenditure | |||||||||||||||
| Change in Investments | 0 | 0 | 0 | 0 | 0 | 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 | 0 | 0 | 0 | 0 | 0 |
| Group/Directors Accounts | 0 | 0 | -1,870 | -22,366 | 10,717 | 13,519 | 0 | 0 | 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 | -10,002 | -10,000 | -10,833 | 45,000 | 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 | 0 | -59,785 | 59,785 |
| share issue | |||||||||||||||
| interest | 0 | 0 | 0 | 0 | |||||||||||
| cash flow from financing | 13,519 | 0 | 0 | 0 | |||||||||||
| cash and cash equivalents | |||||||||||||||
| cash | -56,966 | -19,281 | 25,889 | 18,570 | -6,477 | 49,212 | -24,852 | -18,568 | 25,465 | 16,871 | 6,440 | -11,762 | -2,364 | 8,028 | 11,811 |
| overdraft | 0 | 0 | 5,000 | 5,000 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 |
| change in cash | -56,966 | -19,281 | 20,889 | 13,570 | -6,477 | 49,212 | -24,852 | -18,568 | 25,465 | 16,871 | 6,440 | -11,762 | -2,364 | 8,028 | 11,811 |
electronic card acceptance company limited Credit Report and Business Information
Electronic Card Acceptance Company Limited Competitor Analysis
Perform a competitor analysis for electronic card acceptance company limited by selecting its closest rivals, whether from the FINANCIAL AND INSURANCE ACTIVITIES sector, other small companies, companies in MK41 area or any other competitors across 12 key performance metrics.
electronic card acceptance company limited Ownership
ELECTRONIC CARD ACCEPTANCE COMPANY LIMITED group structure
Electronic Card Acceptance Company Limited has no subsidiary companies.
Ultimate parent company
ELECTRONIC CARD ACCEPTANCE COMPANY LIMITED
05652935
electronic card acceptance company limited directors
Electronic Card Acceptance Company Limited currently has 4 directors. The longest serving directors include Mrs Karen Simpson (Dec 2005) and Mr Robert Storey (Apr 2010).
| officer | country | age | start | end | role |
|---|---|---|---|---|---|
| Mrs Karen Simpson | United States | 75 years | Dec 2005 | - | Director |
| Mr Robert Storey | United Kingdom | 59 years | Apr 2010 | - | Director |
| Mr Frank Simpson | United States | 78 years | Jan 2011 | - | Director |
| Mr Simon Whitfield | United Kingdom | 64 years | Aug 2022 | - | Director |
P&L
December 2023turnover
512k
+8%
operating profit
-41.7k
0%
gross margin
49.5%
-15.3%
turnover
Turnover, or revenue, is the amount of sales generated by a company within the financial year.
Balance Sheet
December 2023net assets
-18.5k
-1.78%
total assets
50.5k
-0.48%
cash
22k
-0.72%
net assets
Total assets minus all liabilities
electronic card acceptance company limited company details
company number
05652935
Type
Private limited with Share Capital
industry
64910 - Financial leasing
incorporation date
December 2005
age
19
incorporated
UK
ultimate parent company
accounts
Total Exemption Full
last accounts submitted
December 2023
previous names
N/A
accountant
THE NUMBERS QUARTER LTD
auditor
-
address
the numbers quarter, dombey court, the pilgrim centre, bedford, bedfordshire, MK41 7PZ
Bank
-
Legal Advisor
-
electronic card acceptance company 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 electronic card acceptance company limited. Currently there are 1 open charges and 0 have been satisfied in the past.
electronic card acceptance company 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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electronic card acceptance company limited Companies House Filings - See Documents
| date | description | view/download |
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