pepper group anz holdco limited
pepper group anz holdco limited Company Information
Company Number
06548576
Next Accounts
Sep 2025
Shareholders
pepper european servicing limited
Group Structure
View All
Industry
Other activities auxiliary to financial services, except insurance and pension funding
Registered Address
4 capital quarter, tyndall street, cardiff, CF10 4BZ
Website
www.engagecredit.compepper group anz holdco limited Estimated Valuation
Pomanda estimates the enterprise value of PEPPER GROUP ANZ HOLDCO LIMITED at £11.4m based on a Turnover of £11.8m and 0.97x industry multiple (adjusted for size and gross margin).
pepper group anz holdco limited Estimated Valuation
Pomanda estimates the enterprise value of PEPPER GROUP ANZ HOLDCO LIMITED at £0 based on an EBITDA of £-38.4m and a 4.43x industry multiple (adjusted for size and gross margin).
pepper group anz holdco limited Estimated Valuation
Pomanda estimates the enterprise value of PEPPER GROUP ANZ HOLDCO LIMITED at £0 based on Net Assets of £-30.4m and 2.22x industry multiple (adjusted for liquidity).
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Pepper Group Anz Holdco Limited Overview
Pepper Group Anz Holdco Limited is a live company located in cardiff, CF10 4BZ with a Companies House number of 06548576. It operates in the activities auxiliary to financial intermediation n.e.c. sector, SIC Code 66190. Founded in March 2008, it's largest shareholder is pepper european servicing limited with a 100% stake. Pepper Group Anz Holdco Limited is a established, mid sized company, Pomanda has estimated its turnover at £11.8m with unknown growth in recent years.
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Pepper Group Anz Holdco Limited Health Check
Pomanda's financial health check has awarded Pepper Group Anz Holdco Limited a 1.5 rating. We use a traffic light system to show it exceeds the industry average on 2 measures and has 3 areas for improvement. Company Health Check FAQs
2 Strong
2 Regular
3 Weak
Size
annual sales of £11.8m, make it larger than the average company (£4.1m)
£11.8m - Pepper Group Anz Holdco Limited
£4.1m - Industry AVG
Growth
There is insufficient data available for this Key Performance Indicator!
- Pepper Group Anz Holdco Limited
- - Industry AVG
Production
with a gross margin of 70%, this company has a comparable cost of product (70%)
70% - Pepper Group Anz Holdco Limited
70% - Industry AVG
Profitability
an operating margin of -326.3% make it less profitable than the average company (8.8%)
-326.3% - Pepper Group Anz Holdco Limited
8.8% - Industry AVG
Employees
with 65 employees, this is above the industry average (9)
- Pepper Group Anz Holdco Limited
9 - Industry AVG
Pay Structure
There is insufficient data available for this Key Performance Indicator!
- Pepper Group Anz Holdco Limited
- - Industry AVG
Efficiency
resulting in sales per employee of £181k, this is equally as efficient (£182.4k)
- Pepper Group Anz Holdco Limited
£182.4k - Industry AVG
Debtor Days
There is insufficient data available for this Key Performance Indicator!
- - Pepper Group Anz Holdco Limited
- - Industry AVG
Creditor Days
There is insufficient data available for this Key Performance Indicator!
- - Pepper Group Anz Holdco Limited
- - Industry AVG
Stock Days
There is insufficient data available for this Key Performance Indicator!
- - Pepper Group Anz Holdco Limited
- - Industry AVG
Cash Balance
has cash to cover current liabilities for 0 weeks, this is less cash available to meet short term requirements (28 weeks)
0 weeks - Pepper Group Anz Holdco Limited
28 weeks - Industry AVG
Debt Level
it has a ratio of liabilities to total assets of 107.4%, this is a higher level of debt than the average (73.9%)
107.4% - Pepper Group Anz Holdco Limited
73.9% - Industry AVG
PEPPER GROUP ANZ HOLDCO LIMITED financials
Pepper Group Anz Holdco Limited's latest turnover from December 2023 is £11.8 million and the company has net assets of -£30.4 million. According to their latest financial statements, we estimate that Pepper Group Anz Holdco Limited has 65 employees and maintains cash reserves of £1.5 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 | 11,767,736 | 19,701,320 | 356,916,254 | ||||||||||||
| Other Income Or Grants | |||||||||||||||
| Cost Of Sales | |||||||||||||||
| Gross Profit | |||||||||||||||
| Admin Expenses | |||||||||||||||
| Operating Profit | |||||||||||||||
| Interest Payable | 36,293,043 | 21,405,910 | |||||||||||||
| Interest Receivable | 4,376,075 | 2,465,790 | |||||||||||||
| Pre-Tax Profit | -37,446,193 | -1,215,466 | 37,346,551 | -14,081 | 2,846 | 940 | -1,279 | -71 | -948 | -1,588 | |||||
| Tax | -952,534 | 3,610,541 | -356,997 | 2,675 | -377 | -221 | |||||||||
| Profit After Tax | -38,398,727 | 2,395,075 | 36,989,554 | -11,406 | 2,469 | 719 | -1,279 | -71 | -948 | -1,588 | |||||
| Dividends Paid | 6,977,550 | 19,701,320 | |||||||||||||
| Retained Profit | -45,376,278 | -17,306,245 | 36,989,554 | -11,406 | 2,469 | 719 | -1,279 | -71 | -948 | -1,588 | |||||
| Employee Costs | |||||||||||||||
| Number Of Employees | |||||||||||||||
| EBITDA* |
* 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 | 354,750,244 | 372,071,009 | 427,988,278 | ||||||||||||
| Intangible Assets | |||||||||||||||
| Investments & Other | 354,750,244 | 372,071,008 | 427,988,277 | ||||||||||||
| Debtors (Due After 1 year) | |||||||||||||||
| Total Fixed Assets | 354,750,244 | 372,071,008 | 427,988,277 | ||||||||||||
| Stock & work in progress | |||||||||||||||
| Trade Debtors | 115 | 1,366 | 932 | ||||||||||||
| Group Debtors | 52,572,178 | 48,291,991 | 49,991,622 | ||||||||||||
| Misc Debtors | 1,220 | 876 | |||||||||||||
| Cash | 1,521 | 41,142 | 1,750 | 219 | 9,052 | 9,032 | 7,852 | 7,137 | 8,499 | ||||||
| misc current assets | |||||||||||||||
| total current assets | 54,165,797 | 51,788,725 | 49,993,372 | 2,894 | 9,052 | 9,147 | 9,218 | 9,289 | 9,375 | ||||||
| total assets | 408,916,041 | 423,859,733 | 477,981,649 | 2,894 | 9,052 | 9,147 | 9,218 | 9,289 | 9,375 | ||||||
| Bank overdraft | |||||||||||||||
| Bank loan | |||||||||||||||
| Trade Creditors | |||||||||||||||
| Group/Directors Accounts | 439,247,248 | 408,813,237 | 11,898 | 11,725 | 11,725 | 10,863 | |||||||||
| other short term finances | |||||||||||||||
| hp & lease commitments | |||||||||||||||
| other current liabilities | 28,442 | 29,869 | 441,004,587 | 14,891 | 591 | 598 | 221 | 1,208 | 862 | 10,863 | |||||
| total current liabilities | 439,275,690 | 408,843,106 | 441,004,588 | 14,891 | 591 | 598 | 12,119 | 12,933 | 11,725 | 11,725 | 10,863 | ||||
| loans | |||||||||||||||
| hp & lease commitments | |||||||||||||||
| Accruals and Deferred Income | |||||||||||||||
| other liabilities | |||||||||||||||
| provisions | |||||||||||||||
| total long term liabilities | |||||||||||||||
| total liabilities | 439,275,690 | 408,843,106 | 441,004,588 | 14,891 | 591 | 598 | 12,119 | 12,933 | 11,725 | 11,725 | 10,863 | ||||
| net assets | -30,359,650 | 15,016,627 | 36,977,061 | -11,997 | -591 | -598 | -3,067 | -3,786 | -2,507 | -2,436 | -1,488 | ||||
| total shareholders funds | -30,359,650 | 15,016,628 | 36,977,062 | -11,997 | -591 | -598 | -3,067 | -3,786 | -2,507 | -2,436 | -1,488 |
| 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 | |||||||||||||||
| Depreciation | |||||||||||||||
| Amortisation | |||||||||||||||
| Tax | -952,534 | 3,610,541 | -356,997 | 2,675 | -377 | -221 | |||||||||
| Stock | |||||||||||||||
| Debtors | 4,280,187 | -1,699,631 | 49,991,622 | -115 | -1,251 | -786 | 1,276 | 876 | |||||||
| Creditors | |||||||||||||||
| Accruals and Deferred Income | -1,427 | -440,974,718 | 440,989,696 | 14,300 | 591 | -598 | 377 | -987 | 1,208 | -862 | -10,001 | 10,863 | |||
| Deferred Taxes & Provisions | |||||||||||||||
| Cash flow from operations | 591 | ||||||||||||||
| Investing Activities | |||||||||||||||
| capital expenditure | |||||||||||||||
| Change in Investments | -17,320,764 | -55,917,269 | 427,988,277 | ||||||||||||
| cash flow from investments | |||||||||||||||
| Financing Activities | |||||||||||||||
| Bank loans | |||||||||||||||
| Group/Directors Accounts | 30,434,011 | 408,813,236 | -11,898 | 173 | 862 | 10,863 | |||||||||
| Other Short Term Loans | |||||||||||||||
| Long term loans | |||||||||||||||
| Hire Purchase and Lease Commitments | |||||||||||||||
| other long term liabilities | |||||||||||||||
| share issue | |||||||||||||||
| interest | -31,916,968 | -18,940,120 | |||||||||||||
| cash flow from financing | -1,482,957 | 385,218,927 | -495 | -591 | -11,898 | 173 | 862 | 10,863 | 100 | ||||||
| cash and cash equivalents | |||||||||||||||
| cash | -39,621 | 39,392 | 1,531 | 219 | -9,052 | 20 | 1,180 | 715 | -1,362 | 8,499 | |||||
| overdraft | |||||||||||||||
| change in cash | -39,621 | 39,392 | 1,531 | 219 | -9,052 | 20 | 1,180 | 715 | -1,362 | 8,499 |
pepper group anz holdco limited Credit Report and Business Information
Pepper Group Anz Holdco Limited Competitor Analysis
Perform a competitor analysis for pepper group anz holdco limited by selecting its closest rivals, whether from the FINANCIAL AND INSURANCE ACTIVITIES sector, other mid companies, companies in CF10 area or any other competitors across 12 key performance metrics.
pepper group anz holdco limited Ownership
PEPPER GROUP ANZ HOLDCO LIMITED group structure
Pepper Group Anz Holdco Limited has no subsidiary companies.
Ultimate parent company
PEPPER GLOBAL TOPCO LTD
#0148109
2 parents
PEPPER GROUP ANZ HOLDCO LIMITED
06548576
pepper group anz holdco limited directors
Pepper Group Anz Holdco Limited currently has 4 directors. The longest serving directors include Mr Michael Culhane (Mar 2008) and Mr Michael Culhane (Oct 2019).
| officer | country | age | start | end | role |
|---|---|---|---|---|---|
| Mr Michael Culhane | 55 years | Mar 2008 | - | Director | |
| Mr Michael Culhane | England | 56 years | Oct 2019 | - | Director |
| Mr Laurence Morey | United Kingdom | 50 years | Oct 2023 | - | Director |
| Mr Ryan Mason | United Kingdom | 34 years | Mar 2024 | - | Director |
P&L
December 2023turnover
11.8m
-40%
operating profit
-38.4m
0%
gross margin
70.1%
-1.31%
turnover
Turnover, or revenue, is the amount of sales generated by a company within the financial year.
Balance Sheet
December 2023net assets
-30.4m
-3.02%
total assets
408.9m
-0.04%
cash
1.5k
-0.96%
net assets
Total assets minus all liabilities
pepper group anz holdco limited company details
company number
06548576
Type
Private limited with Share Capital
industry
66190 - Other activities auxiliary to financial services, except insurance and pension funding
incorporation date
March 2008
age
17
incorporated
UK
ultimate parent company
accounts
Full Accounts
last accounts submitted
December 2023
previous names
engage credit limited (October 2019)
engage credit services limited (February 2014)
accountant
-
auditor
DELOITTE LLP
address
4 capital quarter, tyndall street, cardiff, CF10 4BZ
Bank
CITIBANK N.A.
Legal Advisor
-
pepper group anz holdco 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 2 charges/mortgages relating to pepper group anz holdco limited. Currently there are 2 open charges and 0 have been satisfied in the past.
pepper group anz holdco 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.
Click to start generating capital raising & share issue transactions for PEPPER GROUP ANZ HOLDCO LIMITED. This can take several minutes, an email will notify you when this has completed.
pepper group anz holdco limited Companies House Filings - See Documents
| date | description | view/download |
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