Alliance Commercial Finance Limited

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alliance commercial finance limited Company Information

Company Number

06471521

Next Accounts

Mar 2026

Directors

David Oliver

Susan Oliver

Shareholders

mrs susan jane oliver

mr david alan oliver

Group Structure

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Industry

Factoring

Registered Address

lifford hall lifford lane, kings norton, birmingham, west midlands, B30 3JN

Website

www.alliancecommercialfinance.co.uk

alliance commercial finance limited Estimated Valuation

£567k

Pomanda estimates the enterprise value of ALLIANCE COMMERCIAL FINANCE LIMITED at £567k based on a Turnover of £423.8k and 1.34x industry multiple (adjusted for size and gross margin).

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Alliance Commercial Finance Limited is a live company located in birmingham, B30 3JN with a Companies House number of 06471521. It operates in the factoring sector, SIC Code 64992. Founded in January 2008, it's largest shareholder is mrs susan jane oliver with a 50% stake. Alliance Commercial Finance Limited is a established, micro sized company, Pomanda has estimated its turnover at £423.8k with rapid growth in recent years.

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Pomanda's financial health check has awarded Alliance Commercial Finance Limited a 3 rating. We use a traffic light system to show it exceeds the industry average on 3 measures and has 6 areas for improvement. Company Health Check FAQs

Health Rating3out of 5

3 Strong

2 Regular

6 Weak

Size

annual sales of £423.8k, make it smaller than the average company (£4.8m)

Growth

3 year (CAGR) sales growth of 32%, show it is growing at a faster rate (14.6%)

EXPORT

Alliance Commercial Finance Limited's latest turnover from June 2024 is estimated at £423.8 thousand and the company has net assets of £29.5 thousand. According to their latest financial statements, Alliance Commercial Finance Limited has 4 employees and maintains cash reserves of £74.9 thousand as reported in the balance sheet.

Data source: Companies House, Pomanda Estimates

	Jun 2024	Jun 2023	Jun 2022	Jun 2021	Jun 2020	Jun 2019	Jun 2018	Jun 2017	Jun 2016	Jun 2015	Mar 2014	Mar 2013	Mar 2012	Mar 2011	Mar 2010
Turnover	423,835	241,321	137,864	184,316	121,325	110,260	97,997	106,332	109,516	427	328	417	431	326	942
Other Income Or Grants	0	0	0	0	0	0	0	0	0	0	0	0	0	0	0
Cost Of Sales	207,382	111,212	60,961	109,588	69,291	56,536	46,673	53,390	56,274	195	151	214	215	172	563
Gross Profit	216,453	130,109	76,902	74,729	52,034	53,725	51,324	52,942	53,242	233	177	203	216	153	378
Admin Expenses	269,180	178,035	67,013	89,516	-93,437	49,904	59,504	48,057	49,854	678	-1,180	27,526	-16,050	-20,398	88
Operating Profit	-52,727	-47,926	9,889	-14,787	145,471	3,821	-8,180	4,885	3,388	-445	1,357	-27,323	16,266	20,551	290
Interest Payable	0	0	0	0	0	0	0	0	0	0	0	0	0	0	0
Interest Receivable	4,912	7,792	2,512	216	155	436	283	183	322	261	193	277	320	156	35
Pre-Tax Profit	-47,815	-40,134	12,401	-14,571	145,626	4,257	-7,897	5,068	3,710	-184	1,549	-27,046	16,586	20,707	325
Tax	0	0	-2,356	0	-27,669	-809	0	-963	-742	0	-356	0	-4,312	-5,798	-91
Profit After Tax	-47,815	-40,134	10,045	-14,571	117,957	3,448	-7,897	4,105	2,968	-184	1,193	-27,046	12,274	14,909	234
Dividends Paid	0	0	0	0	0	0	0	0	0	0	0	0	0	0	0
Retained Profit	-47,815	-40,134	10,045	-14,571	117,957	3,448	-7,897	4,105	2,968	-184	1,193	-27,046	12,274	14,909	234
Employee Costs	270,342	255,765	254,317	222,723	107,403	110,397	98,368	101,033	84,722	40,794	43,559	41,850	43,201	40,660	36,100
Number Of Employees	4	4	4	4	2	2	2	2	2	1	1	1	1	1	1
EBITDA*	-37,900	-35,030	17,038	-8,223	150,578	9,963	-1,691	10,372	9,540	5,424	5,794	-21,918	20,094	23,805	2,780

* Earnings Before Interest, Tax, Depreciation and Amortisation

	Jun 2024	Jun 2023	Jun 2022	Jun 2021	Jun 2020	Jun 2019	Jun 2018	Jun 2017	Jun 2016	Jun 2015	Mar 2014	Mar 2013	Mar 2012	Mar 2011	Mar 2010
Tangible Assets	59,296	51,574	28,919	26,254	20,428	24,572	25,955	21,949	24,607	17,720	17,749	21,619	15,301	13,011	9,960
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	59,296	51,574	28,919	26,254	20,428	24,572	25,955	21,949	24,607	17,720	17,749	21,619	15,301	13,011	9,960
Stock & work in progress	0	0	0	0	0	0	0	0	0	0	0	0	0	0	0
Trade Debtors	66,496	91,296	64,578	53,526	63,820	23,790	12,571	500	756	500	500	500	500	365	9,969
Group Debtors	0	0	0	0	0	0	0	0	0	0	0	0	0	0	0
Misc Debtors	0	0	0	0	0	0	0	0	0	0	0	0	0	0	0
Cash	74,856	112,257	199,432	202,467	230,167	79,001	37,324	75,719	70,570	58,368	46,050	31,038	79,617	48,544	14,034
misc current assets	0	0	0	0	0	0	0	0	0	0	0	0	0	0	0
total current assets	141,352	203,553	264,010	255,993	293,987	102,791	49,895	76,219	71,326	58,868	46,550	31,538	80,117	48,909	24,003
total assets	200,648	255,127	292,929	282,247	314,415	127,363	75,850	98,168	95,933	76,588	64,299	53,157	95,418	61,920	33,963
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	162,910	156,634	149,242	139,605	147,452	123,012	75,165	89,713	91,583	75,206	62,733	52,784	67,999	46,775	33,727
Group/Directors Accounts	0	0	0	0	0	345	127	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	0	0	0	0	0	0	0	0	0	0	0	0	0	0	0
total current liabilities	162,910	156,634	149,242	139,605	147,452	123,357	75,292	89,713	91,583	75,206	62,733	52,784	67,999	46,775	33,727
loans	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
Accruals and Deferred Income	0	0	0	0	0	0	0	0	0	0	0	0	0	0	0
other liabilities	8,250	21,190	26,250	35,250	45,000	0	0	0	0	0	0	0	0	0	0
provisions	0	0	0	0	0	0	0	0	0	0	0	0	0	0	0
total long term liabilities	8,250	21,190	26,250	35,250	45,000	0	0	0	0	0	0	0	0	0	0
total liabilities	171,160	177,824	175,492	174,855	192,452	123,357	75,292	89,713	91,583	75,206	62,733	52,784	67,999	46,775	33,727
net assets	29,488	77,303	117,437	107,392	121,963	4,006	558	8,455	4,350	1,382	1,566	373	27,419	15,145	236
total shareholders funds	29,488	77,303	117,437	107,392	121,963	4,006	558	8,455	4,350	1,382	1,566	373	27,419	15,145	236

	Jun 2024	Jun 2023	Jun 2022	Jun 2021	Jun 2020	Jun 2019	Jun 2018	Jun 2017	Jun 2016	Jun 2015	Mar 2014	Mar 2013	Mar 2012	Mar 2011	Mar 2010
Operating Activities
Operating Profit	-52,727	-47,926	9,889	-14,787	145,471	3,821	-8,180	4,885	3,388	-445	1,357	-27,323	16,266	20,551	290
Depreciation	14,827	12,896	7,149	6,564	5,107	6,142	6,489	5,487	6,152	5,869	4,437	5,405	3,828	3,254	2,490
Amortisation	0	0	0	0	0	0	0	0	0	0	0	0	0	0	0
Tax	0	0	-2,356	0	-27,669	-809	0	-963	-742	0	-356	0	-4,312	-5,798	-91
Stock	0	0	0	0	0	0	0	0	0	0	0	0	0	0	0
Debtors	-24,800	26,718	11,052	-10,294	40,030	11,219	12,071	-256	256	0	0	0	135	-9,604	9,969
Creditors	6,276	7,392	9,637	-7,847	24,440	47,847	-14,548	-1,870	16,377	12,473	9,949	-15,215	21,224	13,048	33,727
Accruals and Deferred Income	0	0	0	0	0	0	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	-6,824	-54,356	13,267	-5,776	107,319	45,782	-28,310	7,795	24,919	17,897	15,387	-37,133	36,871	40,659	26,447
Investing Activities
capital expenditure	-22,549	-35,551	-9,814	-12,390	-963	-4,759	-10,495	-2,829	-13,039	-5,840	-567	-11,723	-6,118	-6,305	-12,450
Change in Investments	0	0	0	0	0	0	0	0	0	0	0	0	0	0	0
cash flow from investments	-22,549	-35,551	-9,814	-12,390	-963	-4,759	-10,495	-2,829	-13,039	-5,840	-567	-11,723	-6,118	-6,305	-12,450
Financing Activities
Bank loans	0	0	0	0	0	0	0	0	0	0	0	0	0	0	0
Group/Directors Accounts	0	0	0	0	-345	218	127	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	0	0	0	0	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	-12,940	-5,060	-9,000	-9,750	45,000	0	0	0	0	0	0	0	0	0	0
share issue	0	0	0	0	0	0	0	0	0	0	0	0	0	0	2
interest	4,912	7,792	2,512	216	155	436	283	183	322	261	193	277	320	156	35
cash flow from financing	-8,028	2,732	-6,488	-9,534	44,810	654	410	183	322	261	193	277	320	156	37
cash and cash equivalents
cash	-37,401	-87,175	-3,035	-27,700	151,166	41,677	-38,395	5,149	12,202	12,318	15,012	-48,579	31,073	34,510	14,034
overdraft	0	0	0	0	0	0	0	0	0	0	0	0	0	0	0
change in cash	-37,401	-87,175	-3,035	-27,700	151,166	41,677	-38,395	5,149	12,202	12,318	15,012	-48,579	31,073	34,510	14,034

Very Low Risk70 - 100

Low Risk50 - 70

Moderate Risk30 - 50

High Risk20 - 30

Very High Risk0 - 20

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ALLIANCE COMMERCIAL FINANCE LIMITED group structure

Alliance Commercial Finance Limited has no subsidiary companies.

Ultimate parent company

ALLIANCE COMMERCIAL FINANCE LIMITED

06471521

ALLIANCE COMMERCIAL FINANCE LIMITED Shareholders

mrs susan jane oliver	50%
mr david alan oliver	50%

Alliance Commercial Finance Limited currently has 2 directors. The longest serving directors include Mr David Oliver (Apr 2009) and Mrs Susan Oliver (Nov 2019).

officer	country	age	start	end	role
Mr David Oliver		52 years	Apr 2009	-	Director
Mrs Susan Oliver		54 years	Nov 2019	-	Director

P&L

June 2024

turnover

423.8k

+76%

operating profit

-52.7k

gross margin

51.1%

-5.28%

turnover

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

Balance Sheet

June 2024

net assets

29.5k

-0.62%

total assets

200.6k

-0.21%

cash

74.9k

-0.33%

net assets

Total assets minus all liabilities

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company number

06471521

Type

Private limited with Share Capital

industry

64992 - Factoring

incorporation date

January 2008

ultimate parent company

None

previous names

N/A

address

lifford hall lifford lane, kings norton, birmingham, west midlands, B30 3JN

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alliance commercial finance limited Company Information

alliance commercial finance limited Estimated Valuation

alliance commercial finance limited Estimated Valuation

alliance commercial finance limited Estimated Valuation

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