Creditas Financial Solutions Limited

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creditas financial solutions limited Company Information

Company Number

06366166

Next Accounts

Oct 2025

Directors

Andrew Shaw

Lee Streets

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Shareholders

creditas financial holdings ltd

Group Structure

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Industry

Other business support service activities n.e.c.

Registered Address

thompson close whittington moor, chesterfield, S41 9AZ

Website

http://www.creditaseasyas.com

creditas financial solutions limited Estimated Valuation

£14.5m

Pomanda estimates the enterprise value of CREDITAS FINANCIAL SOLUTIONS LIMITED at £14.5m based on an EBITDA of £3.1m and a 4.71x industry multiple (adjusted for size and gross margin).

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Creditas Financial Solutions Limited is a live company located in chesterfield, S41 9AZ with a Companies House number of 06366166. It operates in the other business support service activities n.e.c. sector, SIC Code 82990. Founded in September 2007, it's largest shareholder is creditas financial holdings ltd with a 100% stake. Creditas Financial Solutions Limited is a established, mid sized company, Pomanda has estimated its turnover at £7m with rapid growth in recent years.

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Pomanda's financial health check has awarded Creditas Financial Solutions Limited a 5 rating. We use a traffic light system to show it exceeds the industry average on 7 measures and has 1 areas for improvement. Company Health Check FAQs

Health Rating5out of 5

7 Strong

3 Regular

1 Weak

Size

annual sales of £7m, make it larger than the average company (£4m)

Growth

3 year (CAGR) sales growth of 50%, show it is growing at a faster rate (7.9%)

EXPORT

Creditas Financial Solutions Limited's latest turnover from January 2024 is estimated at £7 million and the company has net assets of £4.7 million. According to their latest financial statements, Creditas Financial Solutions Limited has 26 employees and maintains cash reserves of £3.5 million as reported in the balance sheet.

Data source: Companies House, Pomanda Estimates

	Jan 2024	Jan 2023	Jan 2022	Jan 2021	Jan 2020	Jan 2019	Jan 2018	Jan 2017	Jan 2016	Jan 2015	Jan 2014	Jan 2013	Jan 2012	Jan 2011	Jan 2010
Turnover	6,959,971	6,135,994	2,672,369	2,043,168	1,178,600	1,186,829	1,317,420	1,143,743	1,766,948	1,985,423	2,103,701	1,610,738	1,463,749	270,854	260,874
Other Income Or Grants
Cost Of Sales	4,288,787	3,759,638	1,664,567	1,283,586	731,873	739,658	818,701	698,823	1,107,778	1,261,291	1,349,570	1,019,720	905,483	163,242	157,556
Gross Profit	2,671,185	2,376,356	1,007,801	759,582	446,727	447,171	498,719	444,920	659,170	724,132	754,130	591,018	558,266	107,612	103,318
Admin Expenses	-381,829	1,289,834	723,563	461,238	325,138	254,117	373,877	237,102	617,782	600,685	629,096	460,107	460,750	106,902	56,367
Operating Profit	3,053,014	1,086,522	284,238	298,344	121,589	193,054	124,842	207,818	41,388	123,447	125,034	130,911	97,516	710	46,951
Interest Payable	3,187	3,642	2,917	1,525				1	1
Interest Receivable	128,057	32,981	1,222	388	2,313	1,899	1,522	688	838	838	756	437	137	86	44
Pre-Tax Profit	3,177,884	1,115,862	282,543	297,207	123,901	194,953	126,364	208,505	42,225	124,285	125,790	131,349	97,653	796	46,994
Tax	-794,471	-212,014	-53,683	-56,469	-23,541	-37,041	-24,009	-41,701	-8,445	-26,100	-28,932	-31,524	-25,390	-223	-13,158
Profit After Tax	2,383,413	903,848	228,860	240,738	100,360	157,912	102,355	166,804	33,780	98,185	96,858	99,825	72,263	573	33,836
Dividends Paid
Retained Profit	2,383,413	903,848	228,860	240,738	100,360	157,912	102,355	166,804	33,780	98,185	96,858	99,825	72,263	573	33,836
Employee Costs	1,296,070	995,652	856,401	810,679	633,346	530,672	464,118	461,983	457,886	568,889	607,560	443,727	407,729	107,603	80,431
Number Of Employees	26	21	19	19	15	13	12	12	12	15	16	12	11	3	2
EBITDA*	3,072,056	1,121,297	323,810	340,435	171,527	242,568	162,424	239,327	74,716	161,137	160,579	146,988	105,581	3,570	61,473

* Earnings Before Interest, Tax, Depreciation and Amortisation

	Jan 2024	Jan 2023	Jan 2022	Jan 2021	Jan 2020	Jan 2019	Jan 2018	Jan 2017	Jan 2016	Jan 2015	Jan 2014	Jan 2013	Jan 2012	Jan 2011	Jan 2010
Tangible Assets	113,234	49,858	79,635	60,937	102,270	164,017	120,235	158,514	123,654	162,651	145,338	37,589	24,940	19,753	4,774
Intangible Assets								1,150	2,300	3,450		668	1,000	667
Investments & Other
Debtors (Due After 1 year)
Total Fixed Assets	113,234	49,858	79,635	60,937	102,270	164,017	120,235	159,664	125,954	166,101	145,338	38,257	25,940	20,420	4,774
Stock & work in progress					10,500	17,000	40,796	31,905	47,070	25,200	32,295	58,154	112,714
Trade Debtors	1,172,999	1,101,314	407,414	264,142	130,176	153,096	194,424	141,034	282,459	281,419	265,555	223,441	190,264	37,908	39,488
Group Debtors	397,794	31,137	35,270	40,670	52,841	60,571	62,625	274,450	38,733
Misc Debtors	2,405,538	1,284,296	1,080,334	969,391	734,037	715,199	604,779	166,317	272,653	70,419	65,343			5,894	4,599
Cash	3,528,647	1,349,723	534,930	442,677	333,790	282,918	223,434	385,390	165,204	169,926	165,171	137,068	37,922	16,777	17,496
misc current assets
total current assets	7,504,978	3,766,470	2,057,948	1,716,880	1,261,344	1,228,784	1,126,058	999,096	806,119	546,964	528,364	418,663	340,900	60,579	61,583
total assets	7,618,212	3,816,328	2,137,583	1,777,817	1,363,614	1,392,801	1,246,293	1,158,760	932,073	713,065	673,702	456,920	366,840	80,999	66,357
Bank overdraft									29
Bank loan	10,000	10,000	10,000
Trade Creditors	688,233	701,380	273,733	168,608	90,217	110,804	140,454	133,922	186,430	282,962	338,509	214,381	221,982	36,324	31,639
Group/Directors Accounts
other short term finances
hp & lease commitments
other current liabilities	2,181,676	723,932	351,110	348,037	287,463	371,231	370,047	376,131	265,566
total current liabilities	2,879,909	1,435,312	634,843	516,645	377,680	482,035	510,501	510,053	452,025	282,962	338,509	214,381	221,982	36,324	31,639
loans	13,333	23,333	33,333	50,000
hp & lease commitments
Accruals and Deferred Income
other liabilities		15,386	23,958	1,583	11,083	30,275	26,992	37,683	34,128	24,563	27,262	32,175	36,402	9,566
provisions	5,260	6,000	13,000	6,000	12,000	18,000	4,221	8,800	10,500	3,900	4,476	3,767	1,684	600	782
total long term liabilities	18,593	44,719	70,291	57,583	23,083	48,275	31,213	46,483	44,628	28,463	31,738	35,942	38,086	10,166	782
total liabilities	2,898,502	1,480,031	705,134	574,228	400,763	530,310	541,714	556,536	496,653	311,425	370,247	250,323	260,068	46,490	32,421
net assets	4,719,710	2,336,297	1,432,449	1,203,589	962,851	862,491	704,579	602,224	435,420	401,640	303,455	206,597	106,772	34,509	33,936
total shareholders funds	4,719,710	2,336,297	1,432,449	1,203,589	962,851	862,491	704,579	602,224	435,420	401,640	303,455	206,597	106,772	34,509	33,936

	Jan 2024	Jan 2023	Jan 2022	Jan 2021	Jan 2020	Jan 2019	Jan 2018	Jan 2017	Jan 2016	Jan 2015	Jan 2014	Jan 2013	Jan 2012	Jan 2011	Jan 2010
Operating Activities
Operating Profit	3,053,014	1,086,522	284,238	298,344	121,589	193,054	124,842	207,818	41,388	123,447	125,034	130,911	97,516	710	46,951
Depreciation	19,042	34,775	39,572	42,091	49,938	49,514	36,432	30,359	32,178	36,540	34,877	15,745	7,398	2,527	14,522
Amortisation							1,150	1,150	1,150	1,150	668	332	667	333
Tax	-794,471	-212,014	-53,683	-56,469	-23,541	-37,041	-24,009	-41,701	-8,445	-26,100	-28,932	-31,524	-25,390	-223	-13,158
Stock				-10,500	-6,500	-23,796	8,891	-15,165	21,870	-7,095	-25,859	-54,560	112,714
Debtors	1,559,584	893,729	248,815	357,149	-11,812	67,038	280,027	-12,044	242,007	20,940	107,457	33,177	146,462	-285	44,087
Creditors	-13,147	427,647	105,125	78,391	-20,587	-29,650	6,532	-52,508	-96,532	-55,547	124,128	-7,601	185,658	4,685	31,639
Accruals and Deferred Income	1,457,744	372,822	3,073	60,574	-83,768	1,184	-6,084	110,565	265,566
Deferred Taxes & Provisions	-740	-7,000	7,000	-6,000	-6,000	13,779	-4,579	-1,700	6,600	-576	709	2,083	1,084	-182	782
Cash flow from operations	2,161,858	809,023	136,510	70,282	55,943	147,598	-154,634	281,192	-21,972	65,069	174,886	131,329	7,757	8,135	36,649
Investing Activities
capital expenditure	-82,418	-4,998	-58,270	-758	11,809	-93,296	1,847	-65,219	6,819	-58,453	-142,626	-28,394	-13,585	-18,506	-19,296
Change in Investments
cash flow from investments	-82,418	-4,998	-58,270	-758	11,809	-93,296	1,847	-65,219	6,819	-58,453	-142,626	-28,394	-13,585	-18,506	-19,296
Financing Activities
Bank loans			10,000
Group/Directors Accounts
Other Short Term Loans
Long term loans	-10,000	-10,000	-16,667	50,000
Hire Purchase and Lease Commitments
other long term liabilities	-15,386	-8,572	22,375	-9,500	-19,192	3,283	-10,691	3,555	9,565	-2,699	-4,913	-4,227	26,836	9,566
share issue															100
interest	124,870	29,339	-1,695	-1,137	2,313	1,899	1,522	687	837	838	756	437	137	86	44
cash flow from financing	99,484	10,767	14,013	39,363	-16,879	5,182	-9,169	4,242	10,402	-1,861	-4,157	-3,790	26,973	9,652	144
cash and cash equivalents
cash	2,178,924	814,793	92,253	108,887	50,872	59,484	-161,956	220,186	-4,722	4,755	28,103	99,146	21,145	-719	17,496
overdraft								-29	29
change in cash	2,178,924	814,793	92,253	108,887	50,872	59,484	-161,956	220,215	-4,751	4,755	28,103	99,146	21,145	-719	17,496

Very Low Risk70 - 100

Low Risk50 - 70

Moderate Risk30 - 50

High Risk20 - 30

Very High Risk0 - 20

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CREDITAS FINANCIAL SOLUTIONS LIMITED group structure

Creditas Financial Solutions Limited has no subsidiary companies.

Ultimate parent company

CETP V INVESTMENT 12 SARL

#0155519

CREDITAS FINANCIAL HOLDINGS LIMITED

08772996

2 parents

CREDITAS FINANCIAL SOLUTIONS LIMITED

06366166

CREDITAS FINANCIAL SOLUTIONS LIMITED Shareholders

creditas financial holdings ltd

100%

Creditas Financial Solutions Limited currently has 4 directors. The longest serving directors include Mr Andrew Shaw (Sep 2007) and Mr Lee Streets (Jul 2024).

officer	country	age	start	end	role
Mr Andrew Shaw	England	53 years	Sep 2007	-	Director
Mr Lee Streets	England	50 years	Jul 2024	-	Director
Mr Kevin Kaye	England	55 years	Jul 2024	-	Director
Mr Matthew Hanson	United Kingdom	41 years	Mar 2025	-	Director

P&L

January 2024

turnover

+13%

operating profit

3.1m

gross margin

38.4%

-0.9%

turnover

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

Balance Sheet

January 2024

net assets

4.7m

+1.02%

total assets

7.6m

+1%

cash

3.5m

+1.61%

net assets

Total assets minus all liabilities

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company number

06366166

Type

Private limited with Share Capital

industry

82990 - Other business support service activities n.e.c.

incorporation date

September 2007

ultimate parent company

CETP V INVESTMENT 12 SARL

previous names

N/A

address

thompson close whittington moor, chesterfield, S41 9AZ

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creditas financial solutions limited Company Information

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