permira credit holdings limited
permira credit holdings limited Company Information
Company Number
05965981
Next Accounts
Sep 2025
Industry
Activities of financial services holding companies
Shareholders
permira credit group holdings limited
Group Structure
View All
Contact
Registered Address
80 pall mall, london, SW1Y 5ES
permira credit holdings limited Estimated Valuation
Pomanda estimates the enterprise value of PERMIRA CREDIT HOLDINGS LIMITED at £151.4m based on a Turnover of £51.8m and 2.92x industry multiple (adjusted for size and gross margin).
permira credit holdings limited Estimated Valuation
Pomanda estimates the enterprise value of PERMIRA CREDIT HOLDINGS LIMITED at £23.8m based on an EBITDA of £2.2m and a 10.61x industry multiple (adjusted for size and gross margin).
permira credit holdings limited Estimated Valuation
Pomanda estimates the enterprise value of PERMIRA CREDIT HOLDINGS LIMITED at £35.5m based on Net Assets of £19.7m and 1.8x industry multiple (adjusted for liquidity).
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Permira Credit Holdings Limited Overview
Permira Credit Holdings Limited is a live company located in london, SW1Y 5ES with a Companies House number of 05965981. It operates in the activities of financial services holding companies sector, SIC Code 64205. Founded in October 2006, it's largest shareholder is permira credit group holdings limited with a 100% stake. Permira Credit Holdings Limited is a established, large sized company, Pomanda has estimated its turnover at £51.8m with high growth in recent years.
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Permira Credit Holdings Limited Health Check
Pomanda's financial health check has awarded Permira Credit Holdings Limited a 4.5 rating. We use a traffic light system to show it exceeds the industry average on 5 measures and has 2 areas for improvement. Company Health Check FAQs
5 Strong
2 Regular
2 Weak
Size
annual sales of £51.8m, make it larger than the average company (£11.9m)
£51.8m - Permira Credit Holdings Limited
£11.9m - Industry AVG
Growth
3 year (CAGR) sales growth of 18%, show it is growing at a faster rate (9.2%)
18% - Permira Credit Holdings Limited
9.2% - Industry AVG
Production
with a gross margin of 100%, this company has a lower cost of product (79.7%)
100% - Permira Credit Holdings Limited
79.7% - Industry AVG
Profitability
an operating margin of 2.1% make it less profitable than the average company (10.1%)
2.1% - Permira Credit Holdings Limited
10.1% - Industry AVG
Employees
with 70 employees, this is similar to the industry average (65)
70 - Permira Credit Holdings Limited
65 - Industry AVG
Pay Structure
on an average salary of £433.4k, the company has a higher pay structure (£84.8k)
£433.4k - Permira Credit Holdings Limited
£84.8k - Industry AVG
Efficiency
resulting in sales per employee of £739.7k, this is more efficient (£214k)
£739.7k - Permira Credit Holdings Limited
£214k - Industry AVG
Debtor Days
There is insufficient data available for this Key Performance Indicator!
- - Permira Credit Holdings Limited
- - Industry AVG
Creditor Days
There is insufficient data available for this Key Performance Indicator!
- - Permira Credit Holdings Limited
- - Industry AVG
Stock Days
There is insufficient data available for this Key Performance Indicator!
- - Permira Credit Holdings Limited
- - Industry AVG
Cash Balance
has cash to cover current liabilities for 52 weeks, this is more cash available to meet short term requirements (27 weeks)
52 weeks - Permira Credit Holdings Limited
27 weeks - Industry AVG
Debt Level
it has a ratio of liabilities to total assets of 52%, this is a similar level of debt than the average (54.2%)
52% - Permira Credit Holdings Limited
54.2% - Industry AVG
PERMIRA CREDIT HOLDINGS LIMITED financials
Permira Credit Holdings Limited's latest turnover from December 2023 is £51.8 million and the company has net assets of £19.7 million. According to their latest financial statements, Permira Credit Holdings Limited has 70 employees and maintains cash reserves of £21.3 million 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 | 51,777,000 | 52,080,000 | 38,688,000 | 31,703,000 | 28,365,000 | 18,511,000 | 11,058,000 | 6,357,000 | 4,835,000 | 4,162,000 | 4,960,000 | 4,666,000 | 6,811,000 | 3,125,000 | 2,996,000 |
| Other Income Or Grants | 0 | 0 | 0 | ||||||||||||
| Cost Of Sales | 0 | 0 | 0 | ||||||||||||
| Gross Profit | 51,777,000 | 52,080,000 | 38,688,000 | ||||||||||||
| Admin Expenses | 50,707,000 | 38,977,000 | 33,834,000 | ||||||||||||
| Operating Profit | 1,070,000 | 13,103,000 | 4,854,000 | -1,291,000 | -3,095,000 | -829,000 | 1,067,000 | 1,216,000 | 3,610,000 | 528,000 | 87,000 | ||||
| Interest Payable | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 |
| Interest Receivable | 164,000 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 3,000 | 2,000 | 6,000 | 10,000 | 2,000 | 6,000 |
| Pre-Tax Profit | 1,234,000 | 13,103,000 | 4,854,000 | 6,113,000 | 4,961,000 | 2,608,000 | 1,005,000 | -1,250,000 | -3,136,000 | -826,000 | 1,069,000 | 1,222,000 | 3,620,000 | 530,000 | 93,000 |
| Tax | -929,000 | -1,905,000 | -1,236,000 | -1,255,000 | -909,000 | -489,000 | -249,000 | 264,000 | 543,000 | 189,000 | -249,000 | -300,000 | -745,000 | 235,000 | -7,000 |
| Profit After Tax | 305,000 | 11,198,000 | 3,618,000 | 4,858,000 | 4,052,000 | 2,119,000 | 756,000 | -986,000 | -2,593,000 | -637,000 | 820,000 | 922,000 | 2,875,000 | 765,000 | 86,000 |
| Dividends Paid | 0 | 0 | 5,190,000 | 4,189,000 | 2,141,000 | 1,074,000 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 |
| Retained Profit | 305,000 | 11,198,000 | -1,572,000 | 669,000 | 1,911,000 | 1,045,000 | 756,000 | -986,000 | -2,593,000 | -637,000 | 820,000 | 922,000 | 2,875,000 | 765,000 | 76,000 |
| Employee Costs | 30,339,000 | 30,090,000 | 29,002,000 | 21,433,000 | 20,071,000 | 13,703,000 | 8,069,000 | 6,139,000 | 5,517,000 | 3,692,000 | 3,273,000 | 2,857,000 | 2,612,000 | 1,893,000 | 2,310,000 |
| Number Of Employees | 70 | 68 | 57 | 50 | 48 | 39 | 33 | 24 | 21 | 15 | 13 | 12 | 10 | 8 | 9 |
| EBITDA* | 2,246,000 | 14,523,000 | 6,231,000 | -1,285,000 | -3,091,000 | -828,000 | 1,069,000 | 1,218,000 | 3,615,000 | 533,000 | 92,000 |
* 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 | 2,179,000 | 2,527,000 | 753,000 | 302,000 | 287,000 | 378,000 | 181,000 | 14,000 | 10,000 | 1,000 | 2,000 | 4,000 | 5,000 | 7,000 | 12,000 |
| Intangible Assets | 274,000 | 883,000 | 1,678,000 | 2,832,000 | 3,238,000 | 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 | 250,000 |
| Debtors (Due After 1 year) | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 825,000 | 563,000 | 0 | 375,000 | 0 | 0 | 136,000 | 0 |
| Total Fixed Assets | 2,453,000 | 3,410,000 | 2,431,000 | 3,134,000 | 3,525,000 | 378,000 | 181,000 | 839,000 | 573,000 | 1,000 | 377,000 | 4,000 | 5,000 | 143,000 | 262,000 |
| 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 | 54,000 | 21,000 | 27,000 | 34,000 | 388,000 | 181,000 | 60,000 |
| Group Debtors | 13,701,000 | 11,596,000 | 8,270,000 | 6,095,000 | 5,936,000 | 7,096,000 | 4,798,000 | 4,144,000 | 1,909,000 | 1,304,000 | 870,000 | 0 | 0 | 0 | 0 |
| Misc Debtors | 3,627,000 | 6,301,000 | 4,870,000 | 4,655,000 | 5,929,000 | 1,316,000 | 439,000 | 87,000 | 405,000 | 225,000 | 107,000 | 2,595,000 | 2,533,000 | 136,000 | 58,000 |
| Cash | 21,313,000 | 19,746,000 | 12,169,000 | 11,843,000 | 10,085,000 | 6,892,000 | 4,838,000 | 4,468,000 | 7,855,000 | 6,903,000 | 7,522,000 | 4,970,000 | 4,472,000 | 2,942,000 | 1,765,000 |
| misc current assets | 0 | 0 | 0 | 0 | 245,000 | 87,000 | 576,000 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 |
| total current assets | 38,641,000 | 37,643,000 | 25,309,000 | 22,593,000 | 22,195,000 | 15,391,000 | 10,651,000 | 8,699,000 | 10,223,000 | 8,453,000 | 8,526,000 | 7,599,000 | 7,393,000 | 3,259,000 | 1,883,000 |
| total assets | 41,094,000 | 41,053,000 | 27,740,000 | 25,727,000 | 25,720,000 | 15,769,000 | 10,832,000 | 9,538,000 | 10,796,000 | 8,454,000 | 8,903,000 | 7,603,000 | 7,398,000 | 3,402,000 | 2,145,000 |
| Bank overdraft | 0 | 0 | 0 | 0 | 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 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 |
| Group/Directors Accounts | 2,157,000 | 4,989,000 | 2,382,000 | 1,391,000 | 969,000 | 1,039,000 | 206,000 | 790,000 | 1,239,000 | 150,000 | 214,000 | 100,000 | 403,000 | 41,000 | 5,000 |
| other short term finances | 0 | 354,000 | 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 | 19,148,000 | 16,268,000 | 17,114,000 | 14,520,000 | 15,604,000 | 7,236,000 | 4,435,000 | 3,313,000 | 3,136,000 | 2,275,000 | 2,005,000 | 1,646,000 | 2,052,000 | 1,286,000 | 876,000 |
| total current liabilities | 21,305,000 | 21,611,000 | 19,496,000 | 15,911,000 | 16,573,000 | 8,275,000 | 4,641,000 | 4,103,000 | 4,375,000 | 2,425,000 | 2,219,000 | 1,746,000 | 2,455,000 | 1,327,000 | 881,000 |
| loans | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 135,000 | 288,000 | 281,000 | 289,000 | 296,000 | 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 | 0 |
| provisions | 42,000 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 |
| total long term liabilities | 42,000 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 135,000 | 288,000 | 281,000 | 289,000 | 296,000 | 0 |
| total liabilities | 21,347,000 | 21,611,000 | 19,496,000 | 15,911,000 | 16,573,000 | 8,275,000 | 4,641,000 | 4,103,000 | 4,375,000 | 2,560,000 | 2,507,000 | 2,027,000 | 2,744,000 | 1,623,000 | 881,000 |
| net assets | 19,747,000 | 19,442,000 | 8,244,000 | 9,816,000 | 9,147,000 | 7,494,000 | 6,191,000 | 5,435,000 | 6,421,000 | 5,894,000 | 6,396,000 | 5,576,000 | 4,654,000 | 1,779,000 | 1,264,000 |
| total shareholders funds | 19,747,000 | 19,442,000 | 8,244,000 | 9,816,000 | 9,147,000 | 7,494,000 | 6,191,000 | 5,435,000 | 6,421,000 | 5,894,000 | 6,396,000 | 5,576,000 | 4,654,000 | 1,779,000 | 1,264,000 |
| 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 | 1,070,000 | 13,103,000 | 4,854,000 | -1,291,000 | -3,095,000 | -829,000 | 1,067,000 | 1,216,000 | 3,610,000 | 528,000 | 87,000 | ||||
| Depreciation | 326,000 | 175,000 | 158,000 | 137,000 | 25,000 | 124,000 | 52,000 | 6,000 | 4,000 | 1,000 | 2,000 | 2,000 | 5,000 | 5,000 | 5,000 |
| Amortisation | 850,000 | 1,245,000 | 1,219,000 | 1,118,000 | 643,000 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 |
| Tax | -929,000 | -1,905,000 | -1,236,000 | -1,255,000 | -909,000 | -489,000 | -249,000 | 264,000 | 543,000 | 189,000 | -249,000 | -300,000 | -745,000 | 235,000 | -7,000 |
| Stock | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 |
| Debtors | -569,000 | 4,757,000 | 2,390,000 | -1,115,000 | 3,453,000 | 3,175,000 | 181,000 | 2,125,000 | 1,381,000 | 171,000 | -1,250,000 | -292,000 | 2,468,000 | 335,000 | 118,000 |
| Creditors | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 |
| Accruals and Deferred Income | 2,880,000 | -846,000 | 2,594,000 | -1,084,000 | 8,368,000 | 2,801,000 | 1,122,000 | 177,000 | 861,000 | 270,000 | 359,000 | -406,000 | 766,000 | 410,000 | 876,000 |
| Deferred Taxes & Provisions | 42,000 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 |
| Cash flow from operations | 4,808,000 | 7,015,000 | 5,199,000 | -2,969,000 | -3,068,000 | -540,000 | 2,429,000 | 804,000 | 1,168,000 | 843,000 | 843,000 | ||||
| Investing Activities | |||||||||||||||
| capital expenditure | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | -1,000 | -6,000 | 0 | -14,000 |
| Change in Investments | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | -250,000 | 250,000 |
| cash flow from investments | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | -1,000 | -6,000 | 250,000 | -264,000 |
| Financing Activities | |||||||||||||||
| Bank loans | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 |
| Group/Directors Accounts | -2,832,000 | 2,607,000 | 991,000 | 422,000 | -70,000 | 833,000 | -584,000 | -449,000 | 1,089,000 | -64,000 | 114,000 | -303,000 | 362,000 | 36,000 | 5,000 |
| Other Short Term Loans | -354,000 | 354,000 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 |
| Long term loans | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | -135,000 | -153,000 | 7,000 | -8,000 | -7,000 | 296,000 | 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 | 0 | 0 |
| share issue | |||||||||||||||
| interest | 164,000 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 3,000 | 2,000 | 6,000 | 10,000 | 2,000 | 6,000 |
| cash flow from financing | -3,022,000 | 2,961,000 | 991,000 | 422,000 | -328,000 | 1,091,000 | -584,000 | -449,000 | 4,074,000 | -79,000 | 123,000 | -305,000 | 365,000 | 84,000 | 1,199,000 |
| cash and cash equivalents | |||||||||||||||
| cash | 1,567,000 | 7,577,000 | 326,000 | 1,758,000 | 3,193,000 | 2,054,000 | 370,000 | -3,387,000 | 952,000 | -619,000 | 2,552,000 | 498,000 | 1,530,000 | 1,177,000 | 1,765,000 |
| overdraft | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 |
| change in cash | 1,567,000 | 7,577,000 | 326,000 | 1,758,000 | 3,193,000 | 2,054,000 | 370,000 | -3,387,000 | 952,000 | -619,000 | 2,552,000 | 498,000 | 1,530,000 | 1,177,000 | 1,765,000 |
permira credit holdings limited Credit Report and Business Information
Permira Credit Holdings Limited Competitor Analysis
Perform a competitor analysis for permira credit holdings limited by selecting its closest rivals, whether from the FINANCIAL AND INSURANCE ACTIVITIES sector, other large companies, companies in SW1Y area or any other competitors across 12 key performance metrics.
permira credit holdings limited Ownership
PERMIRA CREDIT HOLDINGS LIMITED group structure
Permira Credit Holdings Limited has 1 subsidiary company.
Ultimate parent company
PERMIRA CREDIT GROUP HOLDINGS LIMITED
#0135433
1 parent
PERMIRA CREDIT HOLDINGS LIMITED
05965981
1 subsidiary
permira credit holdings limited directors
Permira Credit Holdings Limited currently has 2 directors. The longest serving directors include Mr Salvatore Ruocco (Sep 2020) and Mr David Hirschmann (Sep 2020).
| officer | country | age | start | end | role |
|---|---|---|---|---|---|
| Mr Salvatore Ruocco | 47 years | Sep 2020 | - | Director | |
| Mr David Hirschmann | 49 years | Sep 2020 | - | Director |
P&L
December 2023turnover
51.8m
-1%
operating profit
1.1m
-92%
gross margin
100%
0%
turnover
Turnover, or revenue, is the amount of sales generated by a company within the financial year.
Balance Sheet
December 2023net assets
19.7m
+0.02%
total assets
41.1m
0%
cash
21.3m
+0.08%
net assets
Total assets minus all liabilities
permira credit holdings limited company details
company number
05965981
Type
Private limited with Share Capital
industry
64205 - Activities of financial services holding companies
incorporation date
October 2006
age
19
incorporated
UK
ultimate parent company
accounts
Group
last accounts submitted
December 2023
previous names
permira debt managers holdings limited (April 2021)
treebridge limited (November 2006)
accountant
-
auditor
PRICEWATERHOUSECOOPERS LLP
address
80 pall mall, london, SW1Y 5ES
Bank
THE ROYAL BANK OF SCOTLAND PLC
Legal Advisor
-
permira credit holdings 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 permira credit holdings limited.
permira credit holdings limited Capital Raised & Share Issues BETA
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permira credit holdings limited Companies House Filings - See Documents
| date | description | view/download |
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