Pomanda estimates the enterprise value of CREDITREFORM (UK) LIMITED at £2.6m based on a Turnover of £3.1m and 0.84x industry multiple (adjusted for size and gross margin).
creditreform (uk) limitedEstimated Valuation
£116.8k
Pomanda estimates the enterprise value of CREDITREFORM (UK) LIMITED at £116.8k based on an EBITDA of £24.8k and a 4.71x industry multiple (adjusted for size and gross margin).
creditreform (uk) limitedEstimated Valuation
£326k
Pomanda estimates the enterprise value of CREDITREFORM (UK) LIMITED at £326k based on Net Assets of £144.3k and 2.26x industry multiple (adjusted for liquidity).
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Creditreform (uk) LimitedOverview
Creditreform (uk) Limited is a live company located in birmingham, B11 2AA with a Companies House number of 05951273. It operates in the other information service activities n.e.c. sector, SIC Code 63990. Founded in September 2006, it's largest shareholder is
phillip clive hemmings
with a 85% stake. Creditreform (uk) Limited is a established,
small sized company, Pomanda has estimated its turnover at
£3.1m with
rapid
growth in recent years.
Pomanda's financial health check has awarded Creditreform (Uk) Limited a 3.5 rating. We use a traffic light system to show it exceeds the industry average on 4 measures and has 3 areas for improvement. Company Health Check FAQs
Health Rating3.5out of 5
4 Strong
4 Regular
3 Weak
Size
annual sales of £3.1m, make it larger than the average company (£1.2m)
£3.1m - Creditreform (uk) Limited
£1.2m - Industry AVG
Growth
3 year (CAGR) sales growth of 46%, show it is growing at a faster rate (7.6%)
46% - Creditreform (uk) Limited
7.6% - Industry AVG
Production
with a gross margin of 68.1%, this company has a comparable cost of product (68.1%)
68.1% - Creditreform (uk) Limited
68.1% - Industry AVG
Profitability
an operating margin of 0.8% make it less profitable than the average company (6.1%)
0.8% - Creditreform (uk) Limited
6.1% - Industry AVG
Employees
with 41 employees, this is above the industry average (20)
41 - Creditreform (uk) Limited
20 - Industry AVG
Pay Structure
on an average salary of £35.9k, the company has an equivalent pay structure (£35.9k)
£35.9k - Creditreform (uk) Limited
£35.9k - Industry AVG
Efficiency
resulting in sales per employee of £75k, this is equally as efficient (£76.3k)
£75k - Creditreform (uk) Limited
£76.3k - Industry AVG
Debtor Days
it gets paid by customers after 37 days, this is near the average (34 days)
37 days - Creditreform (uk) Limited
34 days - Industry AVG
Creditor Days
its suppliers are paid after 229 days, this is slower than average (31 days)
229 days - Creditreform (uk) Limited
31 days - Industry AVG
Stock Days
There is insufficient data available for this Key Performance Indicator!
- - Creditreform (uk) Limited
- - Industry AVG
Cash Balance
has cash to cover current liabilities
for 32 weeks, this is less cash available to meet short term requirements (68 weeks)
32 weeks - Creditreform (uk) Limited
68 weeks - Industry AVG
Debt Level
it has a ratio of liabilities to total assets of 83.1%, this is a higher level of debt than the average (36.5%)
83.1% - Creditreform (uk) Limited
36.5% - Industry AVG
CREDITREFORM (UK) LIMITED financials
EXPORT
Creditreform (Uk) Limited's latest turnover from December 2023 is estimated at £3.1 million and the company has net assets of £144.3 thousand. According to their latest financial statements, we estimate that Creditreform (Uk) Limited has 41 employees and maintains cash reserves of £438.4 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
3,073,252
1,189,916
1,018,109
994,442
706,536
1,504,165
2,230,471
2,702,935
2,826,329
2,725,053
2,460,080
2,462,013
2,242,168
2,116,135
Other Income Or Grants
Cost Of Sales
979,772
454,872
335,656
342,148
278,736
587,268
766,645
1,040,508
1,119,951
1,048,690
987,288
1,069,418
788,165
813,828
Gross Profit
2,093,480
735,044
682,453
652,294
427,800
916,897
1,463,826
1,662,428
1,706,378
1,676,363
1,472,793
1,392,594
1,454,003
1,302,308
Admin Expenses
2,068,694
724,665
666,346
612,058
410,356
913,418
1,461,345
1,658,614
1,704,967
1,675,654
1,472,390
1,391,960
1,453,225
1,301,614
-1,551
Operating Profit
24,786
10,379
16,107
40,236
17,444
3,479
2,481
3,814
1,411
709
403
634
778
694
1,551
Interest Payable
Interest Receivable
18,062
5,952
288
114
328
15
30
Pre-Tax Profit
42,848
16,331
16,395
40,349
17,773
3,479
2,481
3,829
1,441
709
403
634
778
694
1,551
Tax
-10,712
-3,103
-3,115
-7,666
-3,377
-661
-471
-766
-288
-149
-93
-152
-202
-194
-434
Profit After Tax
32,136
13,228
13,280
32,683
14,396
2,818
2,010
3,063
1,153
560
310
482
576
500
1,117
Dividends Paid
Retained Profit
32,136
13,228
13,280
32,683
14,396
2,818
2,010
3,063
1,153
560
310
482
576
500
1,117
Employee Costs
1,471,027
553,202
441,078
466,164
271,575
265,404
1,033,482
1,338,067
1,508,975
1,541,112
1,415,891
1,401,742
1,296,859
1,189,711
Number Of Employees
41
16
14
16
9
9
37
47
53
58
52
52
50
46
EBITDA*
24,786
10,379
16,107
40,236
17,444
3,479
2,481
3,814
1,594
954
727
1,068
1,357
1,466
2,580
* 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
551
734
979
1,303
1,737
2,316
3,088
Intangible Assets
25,000
25,000
25,000
25,000
Investments & Other
Debtors (Due After 1 year)
Total Fixed Assets
25,000
25,000
25,000
25,000
1
551
734
979
1,303
1,737
2,316
3,088
Stock & work in progress
Trade Debtors
314,895
119,625
110,069
107,000
97,346
308,055
324,255
305,044
308,078
273,603
246,711
234,990
228,657
211,932
216,881
Group Debtors
Misc Debtors
74,230
75,255
52,019
59,581
188,083
Cash
438,418
249,644
90,485
139,996
87,568
11,952
misc current assets
total current assets
827,543
444,524
252,573
306,577
372,997
308,055
324,255
305,044
320,030
273,603
246,711
234,990
228,657
211,932
216,881
total assets
852,543
469,524
277,573
331,577
372,997
308,055
324,255
305,045
320,581
274,337
247,690
236,293
230,394
214,248
219,969
Bank overdraft
Bank loan
Trade Creditors
614,729
312,078
146,596
181,899
183,284
295,466
314,484
297,284
314,883
269,792
243,705
232,618
227,201
211,631
217,852
Group/Directors Accounts
other short term finances
hp & lease commitments
other current liabilities
93,502
45,270
32,029
64,010
161,728
total current liabilities
708,231
357,348
178,625
245,909
345,012
295,466
314,484
297,284
314,883
269,792
243,705
232,618
227,201
211,631
217,852
loans
hp & lease commitments
Accruals and Deferred Income
other liabilities
provisions
total long term liabilities
total liabilities
708,231
357,348
178,625
245,909
345,012
295,466
314,484
297,284
314,883
269,792
243,705
232,618
227,201
211,631
217,852
net assets
144,312
112,176
98,948
85,668
27,985
12,589
9,771
7,761
5,698
4,545
3,985
3,675
3,193
2,617
2,117
total shareholders funds
144,312
112,176
98,948
85,668
27,985
12,589
9,771
7,761
5,698
4,545
3,985
3,675
3,193
2,617
2,117
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
24,786
10,379
16,107
40,236
17,444
3,479
2,481
3,814
1,411
709
403
634
778
694
1,551
Depreciation
183
245
324
434
579
772
1,029
Amortisation
Tax
-10,712
-3,103
-3,115
-7,666
-3,377
-661
-471
-766
-288
-149
-93
-152
-202
-194
-434
Stock
Debtors
194,245
32,792
-4,493
-118,848
-22,626
-16,200
19,211
-3,034
34,475
26,892
11,721
6,333
16,725
-4,949
216,881
Creditors
302,651
165,482
-35,303
-1,385
-112,182
-19,018
17,200
-17,599
45,091
26,087
11,087
5,417
15,570
-6,221
217,852
Accruals and Deferred Income
48,232
13,241
-31,981
-97,718
161,728
Deferred Taxes & Provisions
Cash flow from operations
170,712
153,207
-49,799
52,315
86,239
-1
-11,517
11,922
3,117
Investing Activities
capital expenditure
-25,000
1
550
-4,117
Change in Investments
cash flow from investments
-25,000
1
550
-4,117
Financing Activities
Bank loans
Group/Directors Accounts
Other Short Term Loans
Long term loans
Hire Purchase and Lease Commitments
other long term liabilities
share issue
25,000
1,000
-1,000
1,000
interest
18,062
5,952
288
114
328
15
30
cash flow from financing
18,062
5,952
288
25,114
1,328
-985
30
1,000
cash and cash equivalents
cash
188,774
159,159
-49,511
52,428
87,568
-11,952
11,952
overdraft
change in cash
188,774
159,159
-49,511
52,428
87,568
-11,952
11,952
creditreform (uk) limited Credit Report and Business Information
Very Low Risk70 - 100
Low Risk50 - 70
Moderate Risk30 - 50
High Risk20 - 30
Very High Risk0 - 20
Get a comprehensive credit check for creditreform (uk) limited. Get real-time insights into creditreform (uk) limited's credit score, group structure and payment trends.
Perform a competitor analysis for creditreform (uk) limited by selecting its closest rivals, whether from the INFORMATION AND COMMUNICATION sector, other small companies, companies in B11 area or any other competitors across 12 key performance metrics.
creditreform (uk) limited Ownership
CREDITREFORM (UK) LIMITED group structure
Creditreform (Uk) Limited has no subsidiary companies.
Ultimate parent company
CREDITREFORM (UK) LIMITED
05951273
CREDITREFORM (UK) LIMITED Shareholders
The largest shareholders in Creditreform (Uk) Limited include Phillip Clive Hemmings and Stephen David Hemmings.
phillip clive hemmings
85%
stephen david hemmings
5%
verband der vereine creditreform ev
5%
john martin page
5%
creditreform (uk) limited directors
Creditreform (Uk) Limited currently has 3 directors.
The longest serving directors include
Mr Phillip Hemmings (Sep 2006) and
Mr John Page (Sep 2006).
63990 - Other information service activities n.e.c.
incorporation date
September 2006
age
19
incorporated
UK
ultimate parent company
None
accounts
Total Exemption Full
last accounts submitted
December 2023
previous names
creditreform limited (July 2007)
creditreform (directors) limited (October 2006)
accountant
-
auditor
-
address
fairgate house kings road, tyseley, birmingham, B11 2AA
Bank
-
Legal Advisor
-
creditreform (uk) 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 creditreform (uk) limited.
creditreform (uk) 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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creditreform (uk) limitedCompanies House Filings - See Documents
