finalto financial services limited
finalto financial services limited Company Information
Company Number
06557752
Next Accounts
Sep 2025
Shareholders
finalto a/s
Group Structure
View All
Industry
Other activities auxiliary to financial services, except insurance and pension funding
Registered Address
11th floor broadgate tower, primrose street, london, EC2A 2EW
Website
www.cfhclearing.comfinalto financial services limited Estimated Valuation
Pomanda estimates the enterprise value of FINALTO FINANCIAL SERVICES LIMITED at £68.3m based on a Turnover of £47.2m and 1.45x industry multiple (adjusted for size and gross margin).
finalto financial services limited Estimated Valuation
Pomanda estimates the enterprise value of FINALTO FINANCIAL SERVICES LIMITED at £111.8m based on an EBITDA of £16.9m and a 6.61x industry multiple (adjusted for size and gross margin).
finalto financial services limited Estimated Valuation
Pomanda estimates the enterprise value of FINALTO FINANCIAL SERVICES LIMITED at £90.5m based on Net Assets of £40.7m and 2.22x industry multiple (adjusted for liquidity).
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Finalto Financial Services Limited Overview
Finalto Financial Services Limited is a live company located in london, EC2A 2EW with a Companies House number of 06557752. It operates in the activities auxiliary to financial intermediation n.e.c. sector, SIC Code 66190. Founded in April 2008, it's largest shareholder is finalto a/s with a 100% stake. Finalto Financial Services Limited is a established, large sized company, Pomanda has estimated its turnover at £47.2m with high growth in recent years.
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Finalto Financial Services Limited Health Check
Pomanda's financial health check has awarded Finalto Financial Services Limited a 5 rating. We use a traffic light system to show it exceeds the industry average on 8 measures and has 2 areas for improvement. Company Health Check FAQs
8 Strong
1 Regular
2 Weak
Size
annual sales of £47.2m, make it larger than the average company (£4.1m)
£47.2m - Finalto Financial Services Limited
£4.1m - Industry AVG
Growth
3 year (CAGR) sales growth of 28%, show it is growing at a faster rate (9.4%)
28% - Finalto Financial Services Limited
9.4% - Industry AVG
Production
with a gross margin of 50.8%, this company has a higher cost of product (70%)
50.8% - Finalto Financial Services Limited
70% - Industry AVG
Profitability
an operating margin of 35% make it more profitable than the average company (8.8%)
35% - Finalto Financial Services Limited
8.8% - Industry AVG
Employees
with 73 employees, this is above the industry average (9)
73 - Finalto Financial Services Limited
9 - Industry AVG
Pay Structure
on an average salary of £69.7k, the company has an equivalent pay structure (£73.4k)
£69.7k - Finalto Financial Services Limited
£73.4k - Industry AVG
Efficiency
resulting in sales per employee of £646.7k, this is more efficient (£182.4k)
£646.7k - Finalto Financial Services Limited
£182.4k - Industry AVG
Debtor Days
it gets paid by customers after 10 days, this is earlier than average (34 days)
10 days - Finalto Financial Services Limited
34 days - Industry AVG
Creditor Days
its suppliers are paid after 54 days, this is slower than average (37 days)
54 days - Finalto Financial Services Limited
37 days - Industry AVG
Stock Days
There is insufficient data available for this Key Performance Indicator!
- - Finalto Financial Services Limited
- - Industry AVG
Cash Balance
has cash to cover current liabilities for 43 weeks, this is more cash available to meet short term requirements (28 weeks)
43 weeks - Finalto Financial Services Limited
28 weeks - Industry AVG
Debt Level
it has a ratio of liabilities to total assets of 84.3%, this is a higher level of debt than the average (73.9%)
84.3% - Finalto Financial Services Limited
73.9% - Industry AVG
FINALTO FINANCIAL SERVICES LIMITED financials
Finalto Financial Services Limited's latest turnover from December 2023 is £47.2 million and the company has net assets of £40.7 million. According to their latest financial statements, Finalto Financial Services Limited has 73 employees and maintains cash reserves of £183.9 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 | 47,209,983 | 34,134,589 | 19,539,781 | 22,755,669 | 20,314,462 | 12,297,585 | 16,062,800 | 13,559,367 | 11,685,719 | 13,273,509 | 6,589,221 | 10,643,721 | 11,071,066 | 6,899,367 | 788,185 |
| Other Income Or Grants | |||||||||||||||
| Cost Of Sales | 23,215,715 | 21,304,012 | 16,683,162 | 12,522,186 | 9,112,931 | 3,950,932 | 9,943,844 | 8,154,978 | 6,383,561 | 6,368,385 | 5,519,604 | 7,727,416 | 8,438,552 | 5,873,630 | 635,823 |
| Gross Profit | 23,994,268 | 12,830,578 | 2,856,619 | 10,233,483 | 11,201,531 | 8,346,653 | 6,118,956 | 5,404,389 | 5,302,158 | 6,905,124 | 1,069,617 | 2,916,305 | 2,632,514 | 1,025,737 | 152,362 |
| Admin Expenses | 7,451,387 | 12,692,817 | 5,733,254 | 4,234,409 | 5,022,908 | 3,017,933 | 2,896,767 | 4,851,777 | 5,607,712 | 1,922,140 | 2,070,431 | 2,530,463 | 1,584,897 | 949,382 | 416,056 |
| Operating Profit | 16,542,881 | 137,761 | -2,876,635 | 5,999,074 | 6,178,623 | 5,328,720 | 3,222,189 | 552,612 | -305,554 | 4,982,984 | -1,000,814 | 385,842 | 1,047,617 | 76,355 | -263,694 |
| Interest Payable | 18,467 | 118,913 | 130,410 | 109,838 | 422,209 | 312,985 | 188,802 | 1,323,840 | 39,612 | 20,826 | 22,684 | 36,918 | 47,546 | 20,591 | 245 |
| Interest Receivable | 416,581 | 727,229 | 401,006 | 271,553 | 3,148 | ||||||||||
| Pre-Tax Profit | 16,524,414 | 435,430 | -2,279,816 | 6,290,242 | 6,027,967 | 5,015,735 | 3,033,387 | -771,228 | -345,166 | 4,962,158 | -1,023,498 | 348,924 | 1,000,071 | 55,764 | -260,791 |
| Tax | -3,720,556 | -174,240 | 625,844 | -435,557 | -1,196,233 | -1,005,427 | -582,011 | 136,436 | 58,367 | -848,284 | 292,327 | 52,274 | -157,543 | 48,756 | |
| Profit After Tax | 12,803,858 | 261,190 | -1,653,972 | 5,854,685 | 4,831,734 | 4,010,308 | 2,451,376 | -634,792 | -286,799 | 4,113,874 | -731,171 | 401,198 | 842,528 | 104,520 | -260,791 |
| Dividends Paid | 300,000 | ||||||||||||||
| Retained Profit | 12,803,858 | 261,190 | -1,653,972 | 5,854,685 | 4,831,734 | 4,010,308 | 2,451,376 | -634,792 | -286,799 | 4,113,874 | -731,171 | 401,198 | 542,528 | 104,520 | -260,791 |
| Employee Costs | 5,084,632 | 5,206,337 | 3,218,037 | 3,071,506 | 2,830,973 | 1,768,749 | 2,829,956 | 2,508,086 | 1,300,039 | 1,338,368 | 1,206,373 | 1,610,108 | 1,056,924 | 743,638 | 257,972 |
| Number Of Employees | 73 | 58 | 32 | 28 | 24 | 22 | 22 | 17 | 18 | 24 | 19 | 20 | 15 | 14 | 9 |
| EBITDA* | 16,916,011 | 611,580 | -2,666,890 | 6,121,001 | 6,226,816 | 5,368,449 | 3,256,479 | 569,223 | -293,438 | 4,996,100 | -980,719 | 405,300 | 1,059,991 | 79,277 | -261,234 |
* 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 | 266,322 | 24,972 | 80,128 | 63,812 | 88,344 | 93,707 | 90,659 | 22,622 | 33,256 | 12,280 | 13,260 | 33,355 | 42,509 | 9,675 | 4,411 |
| Intangible Assets | 573,154 | 392,746 | 352,049 | 237,295 | 113,591 | ||||||||||
| Investments & Other | |||||||||||||||
| Debtors (Due After 1 year) | 290,911 | ||||||||||||||
| Total Fixed Assets | 839,476 | 417,719 | 432,177 | 301,107 | 201,935 | 93,707 | 90,659 | 22,622 | 33,256 | 12,280 | 304,171 | 33,355 | 42,509 | 9,675 | 4,411 |
| Stock & work in progress | |||||||||||||||
| Trade Debtors | 1,409,051 | 953,056 | 712,192 | 519,668 | 266,183 | 239,725 | 365,024 | 484,965 | 448,446 | 1,062,836 | 469,584 | 486,615 | 522,209 | 331,949 | 22,398 |
| Group Debtors | 71,712,718 | 18,747,501 | 19,904,129 | 14,724,774 | 8,979,583 | 154,555 | 1,727,567 | 2,011,102 | 444,892 | 3,056,831 | 28,126 | 383,613 | 103,139 | 49,471 | |
| Misc Debtors | 1,589,237 | 746,492 | 1,795,405 | 1,377,222 | 1,942,952 | 1,410,385 | 1,294,633 | 1,516,803 | 2,526,817 | 147,341 | 124,580 | 265,470 | 133,500 | 261,092 | 3,295 |
| Cash | 183,870,794 | 144,166,104 | 148,076,495 | 139,494,202 | 126,544,181 | 150,036,564 | 85,817,826 | 66,681,877 | 39,361,117 | 23,743,515 | 23,899,067 | 18,967,423 | 22,619,778 | 15,841,991 | 4,764,988 |
| misc current assets | 59,799 | ||||||||||||||
| total current assets | 258,581,801 | 164,613,154 | 170,488,221 | 156,115,866 | 137,732,899 | 151,841,229 | 89,205,050 | 70,694,747 | 42,781,272 | 28,010,523 | 24,521,357 | 20,103,121 | 23,275,487 | 16,538,171 | 4,899,951 |
| total assets | 259,421,277 | 165,030,872 | 170,920,398 | 156,416,973 | 137,934,834 | 151,934,936 | 89,295,709 | 70,717,369 | 42,814,528 | 28,022,803 | 24,825,528 | 20,136,476 | 23,317,996 | 16,547,846 | 4,904,362 |
| Bank overdraft | |||||||||||||||
| Bank loan | |||||||||||||||
| Trade Creditors | 3,496,450 | 320,771 | 2,463,693 | 544,163 | 288,859 | 74,527 | 161,681 | 187,624 | 44,489 | 45,427 | 62,165 | 72,269 | 6,775 | 4,228 | 8,235 |
| Group/Directors Accounts | 40,436,655 | 5,158,766 | 262,954 | 2,452,322 | 98,170 | 355,512 | 90,319 | ||||||||
| other short term finances | |||||||||||||||
| hp & lease commitments | |||||||||||||||
| other current liabilities | 174,793,643 | 131,785,237 | 138,556,322 | 124,488,301 | 112,125,444 | 131,369,346 | 72,639,652 | 66,402,274 | 35,315,976 | 22,732,467 | 23,374,986 | 18,300,171 | 21,858,064 | 15,723,308 | 4,560,537 |
| total current liabilities | 218,726,749 | 137,264,775 | 141,282,969 | 125,032,464 | 112,414,303 | 131,443,873 | 72,801,333 | 66,589,898 | 37,812,787 | 22,876,064 | 23,792,663 | 18,372,440 | 21,955,158 | 15,727,536 | 4,568,772 |
| loans | |||||||||||||||
| hp & lease commitments | 9,121 | ||||||||||||||
| Accruals and Deferred Income | |||||||||||||||
| other liabilities | |||||||||||||||
| provisions | 3,914 | ||||||||||||||
| total long term liabilities | 9,121 | 3,914 | |||||||||||||
| total liabilities | 218,726,749 | 137,264,775 | 141,282,969 | 125,032,464 | 112,423,424 | 131,443,873 | 72,801,333 | 66,589,898 | 37,816,701 | 22,876,064 | 23,792,663 | 18,372,440 | 21,955,158 | 15,727,536 | 4,568,772 |
| net assets | 40,694,528 | 27,766,097 | 29,637,429 | 31,384,509 | 25,511,410 | 20,491,063 | 16,494,376 | 4,127,471 | 4,997,827 | 5,146,739 | 1,032,865 | 1,764,036 | 1,362,838 | 820,310 | 335,590 |
| total shareholders funds | 40,694,528 | 27,766,097 | 29,637,429 | 31,384,509 | 25,511,410 | 20,491,063 | 16,494,376 | 4,127,471 | 4,997,827 | 5,146,739 | 1,032,865 | 1,764,036 | 1,362,838 | 820,310 | 335,590 |
| 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 | 16,542,881 | 137,761 | -2,876,635 | 5,999,074 | 6,178,623 | 5,328,720 | 3,222,189 | 552,612 | -305,554 | 4,982,984 | -1,000,814 | 385,842 | 1,047,617 | 76,355 | -263,694 |
| Depreciation | 68,252 | 297,162 | 66,514 | 57,563 | 48,193 | 39,729 | 34,290 | 16,611 | 12,116 | 13,116 | 20,095 | 19,458 | 12,374 | 2,922 | 2,460 |
| Amortisation | 304,878 | 176,658 | 143,231 | 64,364 | |||||||||||
| Tax | -3,720,556 | -174,240 | 625,844 | -435,557 | -1,196,233 | -1,005,427 | -582,011 | 136,436 | 58,367 | -848,284 | 292,327 | 52,274 | -157,543 | 48,756 | |
| Stock | |||||||||||||||
| Debtors | 54,263,957 | -1,964,677 | 5,790,062 | 5,432,946 | 9,384,053 | -1,582,559 | -625,646 | 592,715 | -846,853 | 3,353,807 | -222,497 | 479,989 | -40,471 | 621,016 | 75,164 |
| Creditors | 3,175,679 | -2,142,922 | 1,919,530 | 255,304 | 214,332 | -87,154 | -25,943 | 143,135 | -938 | -16,738 | -10,104 | 65,494 | 2,547 | -4,007 | 8,235 |
| Accruals and Deferred Income | 43,008,406 | -6,771,085 | 14,068,021 | 12,362,857 | -19,243,902 | 58,729,694 | 6,237,378 | 31,086,298 | 12,583,509 | -642,519 | 5,074,815 | -3,557,893 | 6,134,756 | 11,162,771 | 4,560,537 |
| Deferred Taxes & Provisions | -3,914 | 3,914 | |||||||||||||
| Cash flow from operations | 5,115,583 | -6,511,989 | 8,156,443 | 12,870,659 | -23,383,040 | 64,588,121 | 9,511,549 | 31,338,463 | 13,198,267 | 134,752 | 4,598,816 | -3,514,814 | 7,080,222 | 10,665,781 | 4,232,374 |
| Investing Activities | |||||||||||||||
| capital expenditure | -5,977 | -33,093 | -12,136 | -10,304 | -45,208 | -8,186 | -6,871 | ||||||||
| Change in Investments | |||||||||||||||
| cash flow from investments | -5,977 | -33,093 | -12,136 | -10,304 | -45,208 | -8,186 | -6,871 | ||||||||
| Financing Activities | |||||||||||||||
| Bank loans | |||||||||||||||
| Group/Directors Accounts | 35,277,889 | 4,895,812 | 262,954 | -2,452,322 | 2,354,152 | -257,342 | 355,512 | -90,319 | 90,319 | ||||||
| Other Short Term Loans | |||||||||||||||
| Long term loans | |||||||||||||||
| Hire Purchase and Lease Commitments | -9,121 | 9,121 | |||||||||||||
| other long term liabilities | |||||||||||||||
| share issue | |||||||||||||||
| interest | -18,467 | 297,668 | 596,819 | 291,168 | -150,656 | -312,985 | -188,802 | -1,323,840 | -39,612 | -20,826 | -22,684 | -36,918 | -47,546 | -20,591 | 2,903 |
| cash flow from financing | 35,383,995 | 3,060,958 | 766,665 | 300,461 | 47,078 | -326,606 | 9,726,727 | -4,011,726 | 2,452,427 | -278,168 | 332,828 | -127,237 | 42,773 | 359,609 | 599,284 |
| cash and cash equivalents | |||||||||||||||
| cash | 39,704,690 | -3,910,391 | 8,582,293 | 12,950,021 | -23,492,383 | 64,218,738 | 19,135,949 | 27,320,760 | 15,617,602 | -155,552 | 4,931,644 | -3,652,355 | 6,777,787 | 11,077,003 | 4,764,988 |
| overdraft | |||||||||||||||
| change in cash | 39,704,690 | -3,910,391 | 8,582,293 | 12,950,021 | -23,492,383 | 64,218,738 | 19,135,949 | 27,320,760 | 15,617,602 | -155,552 | 4,931,644 | -3,652,355 | 6,777,787 | 11,077,003 | 4,764,988 |
finalto financial services limited Credit Report and Business Information
Finalto Financial Services Limited Competitor Analysis
Perform a competitor analysis for finalto financial services limited by selecting its closest rivals, whether from the FINANCIAL AND INSURANCE ACTIVITIES sector, other large companies, companies in EC2A area or any other competitors across 12 key performance metrics.
finalto financial services limited Ownership
FINALTO FINANCIAL SERVICES LIMITED group structure
Finalto Financial Services Limited has no subsidiary companies.
Ultimate parent company
PLAYTECH PLC
#0075888
2 parents
FINALTO FINANCIAL SERVICES LIMITED
06557752
finalto financial services limited directors
Finalto Financial Services Limited currently has 5 directors. The longest serving directors include Mr Paul Hearn (Oct 2019) and Mr Daniel George (Aug 2020).
| officer | country | age | start | end | role |
|---|---|---|---|---|---|
| Mr Paul Hearn | England | 67 years | Oct 2019 | - | Director |
| Mr Daniel George | England | 63 years | Aug 2020 | - | Director |
| Mr Paul Groves | England | 56 years | May 2023 | - | Director |
| Mr Simon Ormrod | England | 51 years | Aug 2024 | - | Director |
| Mr Pablo Quiroga Gomez | England | 42 years | Aug 2024 | - | Director |
P&L
December 2023turnover
47.2m
+38%
operating profit
16.5m
+11908%
gross margin
50.9%
+35.21%
turnover
Turnover, or revenue, is the amount of sales generated by a company within the financial year.
Balance Sheet
December 2023net assets
40.7m
+0.47%
total assets
259.4m
+0.57%
cash
183.9m
+0.28%
net assets
Total assets minus all liabilities
finalto financial services limited company details
company number
06557752
Type
Private limited with Share Capital
industry
66190 - Other activities auxiliary to financial services, except insurance and pension funding
incorporation date
April 2008
age
17
incorporated
UK
ultimate parent company
accounts
Full Accounts
last accounts submitted
December 2023
previous names
cfh clearing limited (February 2021)
cfh markets limited (April 2013)
accountant
-
auditor
BDO LLP
address
11th floor broadgate tower, primrose street, london, EC2A 2EW
Bank
HSBC BANK PLC
Legal Advisor
-
finalto financial services 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 1 charges/mortgages relating to finalto financial services limited. Currently there are 0 open charges and 1 have been satisfied in the past.
finalto financial services 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 FINALTO FINANCIAL SERVICES LIMITED. This can take several minutes, an email will notify you when this has completed.
finalto financial services limited Companies House Filings - See Documents
| date | description | view/download |
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