Positive Lending (uk) Limited

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positive lending (uk) limited Company Information

Live

EstablishedSmallLow

Company Number

06700848

Website

www.positivelending.co.uk

Registered Address

positive house gp centre, yeoman road, ringwood, hampshire, BH24 2FF

Industry

Other activities auxiliary to financial services, except insurance and pension funding

Telephone

01202850830

Next Accounts Due

June 2025

Group Structure

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Directors

Paul McGonigle12 Years

Shareholders

paul mcgonigle 50.5%

dawn mcgonigle 47.7%

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positive lending (uk) limited Estimated Valuation

£5.1m

Pomanda estimates the enterprise value of POSITIVE LENDING (UK) LIMITED at £5.1m based on a Turnover of £4.6m and 1.11x industry multiple (adjusted for size and gross margin).

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Positive Lending (uk) Limited is a live company located in ringwood, BH24 2FF with a Companies House number of 06700848. It operates in the activities auxiliary to financial intermediation n.e.c. sector, SIC Code 66190. Founded in September 2008, it's largest shareholder is paul mcgonigle with a 50.5% stake. Positive Lending (uk) Limited is a established, small sized company, Pomanda has estimated its turnover at £4.6m with low growth in recent years.

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Pomanda's financial health check has awarded Positive Lending (Uk) Limited a 3.5 rating. We use a traffic light system to show it exceeds the industry average on 4 measures and has 4 areas for improvement. Company Health Check FAQs

Health Rating3.5out of 5

4 Strong

2 Regular

4 Weak

Size

annual sales of £4.6m, make it larger than the average company (£3.1m)

Growth

3 year (CAGR) sales growth of 4%, show it is growing at a slower rate (5.6%)

EXPORT

Positive Lending (Uk) Limited's latest turnover from September 2023 is estimated at £4.6 million and the company has net assets of £632.4 thousand. According to their latest financial statements, Positive Lending (Uk) Limited has 32 employees and maintains cash reserves of £695.2 thousand as reported in the balance sheet.

Data source: Companies House, Pomanda Estimates

	Sep 2023	Sep 2022	Sep 2021	Sep 2020	Sep 2019	Sep 2018	Sep 2017	Sep 2016	Sep 2015	Sep 2014	Sep 2013	Sep 2012	Sep 2011	Sep 2010	Sep 2009
Turnover	4,640,242	3,916,605	4,438,413	4,172,351	4,584,782	4,058,176	4,236,838	3,568,890	200,789	470,116	137,954	167,635	124,862	44,731	0
Other Income Or Grants	0	0	0	0	0	0	0	0	0	0	0	0	0	0	0
Cost Of Sales	688,863	627,266	712,907	728,131	1,050,970	744,040	1,057,568	715,616	53,918	157,671	33,399	46,060	30,097	11,241	0
Gross Profit	3,951,379	3,289,339	3,725,506	3,444,220	3,533,812	3,314,136	3,179,270	2,853,273	146,871	312,445	104,554	121,575	94,765	33,490	0
Admin Expenses	3,990,793	2,965,899	3,494,265	3,566,594	3,573,904	3,447,480	3,244,505	2,886,892	39,340	75,188	6,401	968	-66,182	17,051	-1,321
Operating Profit	-39,414	323,440	231,241	-122,374	-40,092	-133,344	-65,235	-33,619	107,531	237,257	98,153	120,607	160,947	16,439	1,321
Interest Payable	3,493	3,466	2,969	1,525	338	338	0	0	0	0	0	0	0	0	0
Interest Receivable	33,407	12,359	352	280	2,442	2,684	1,073	1,230	2,298	1,215	381	634	502	86	11
Pre-Tax Profit	-9,501	332,333	228,625	-123,619	-37,988	-130,998	-64,162	-32,389	109,829	238,472	98,534	121,241	161,449	16,525	1,332
Tax	0	-63,143	-43,439	0	0	0	0	0	-21,966	-50,079	-22,663	-29,098	-41,977	-4,627	-373
Profit After Tax	-9,501	269,190	185,186	-123,619	-37,988	-130,998	-64,162	-32,389	87,863	188,393	75,871	92,143	119,472	11,898	959
Dividends Paid	0	0	0	0	0	0	0	0	0	0	0	0	0	0	0
Retained Profit	-9,501	269,190	185,186	-123,619	-37,988	-130,998	-64,162	-32,389	87,863	188,393	75,871	92,143	119,472	11,898	959
Employee Costs	2,377,224	1,988,254	2,101,154	2,154,911	2,743,762	2,442,505	2,359,620	1,768,486	113,161	210,761	103,061	98,963	50,210	45,754	0
Number Of Employees	32	29	35	34	41	41	41	30	2	4	2	2	1	1	0
EBITDA*	-28,950	340,936	247,499	-105,464	2,379	-133,344	-17,827	-22,881	117,509	243,913	98,867	121,813	163,597	18,961	3,350

* Earnings Before Interest, Tax, Depreciation and Amortisation

	Sep 2023	Sep 2022	Sep 2021	Sep 2020	Sep 2019	Sep 2018	Sep 2017	Sep 2016	Sep 2015	Sep 2014	Sep 2013	Sep 2012	Sep 2011	Sep 2010	Sep 2009
Tangible Assets	48,557	56,357	69,035	78,697	88,800	128,535	170,562	105,618	80,427	12,439	587	1,301	749	3,016	4,059
Intangible Assets	0	0	0	0	0	0	0	0	0	0	0	0	0	0	0
Investments & Other	0	180,000	0	0	0	0	0	0	75,000	75,000	75,000	75,000	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	48,557	236,357	69,035	78,697	88,800	128,535	170,562	105,618	155,427	87,439	75,587	76,301	749	3,016	4,059
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	0	0	0	0	8,389	0	0
Group Debtors	0	0	0	0	0	0	0	0	0	0	0	0	0	0	0
Misc Debtors	0	0	43,843	43,843	46,370	45,085	0	0	0	0	46,667	0	10,657	3,837	4,048
Cash	695,199	641,062	457,530	247,395	312,882	338,239	377,375	481,323	502,885	416,165	69,716	82,720	170,797	29,960	4,470
misc current assets	0	0	0	0	0	1,335	1,068	76,284	1,205	162,493	160,933	162,933	57,280	0	0
total current assets	695,199	641,062	501,373	291,238	359,252	384,659	378,443	557,607	504,090	578,658	277,316	245,653	247,123	33,797	8,518
total assets	743,756	877,419	570,408	369,935	448,052	513,194	549,005	663,225	659,517	666,097	352,903	321,954	247,872	36,813	12,577
Bank overdraft	26,825	36,689	47,338	50,000	0	10,000	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	23,622	42,302	27,967	38,722	19,622	67,454	24,283	53,740	82,814	137,257	52,456	55,715	115,439	23,856	11,518
Group/Directors Accounts	0	22,098	19,698	19,698	19,999	0	0	0	0	40,000	0	41,663	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	60,884	134,404	102,669	73,965	97,262	86,584	44,568	65,169	0	0	0	0	0	0	0
total current liabilities	111,331	235,493	197,672	182,385	136,883	164,038	68,851	118,909	82,814	177,257	52,456	97,378	115,439	23,856	11,518
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	0	0	0	0	0	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	0	0	0	0	0	0	0	0	0	0	0	0	0	0	0
total liabilities	111,331	235,493	197,672	182,385	136,883	164,038	68,851	118,909	82,814	177,257	52,456	97,378	115,439	23,856	11,518
net assets	632,425	641,926	372,736	187,550	311,169	349,156	480,154	544,316	576,703	488,840	300,447	224,576	132,433	12,957	1,059
total shareholders funds	632,425	641,926	372,736	187,550	311,169	349,156	480,154	544,316	576,703	488,840	300,447	224,576	132,433	12,957	1,059

	Sep 2023	Sep 2022	Sep 2021	Sep 2020	Sep 2019	Sep 2018	Sep 2017	Sep 2016	Sep 2015	Sep 2014	Sep 2013	Sep 2012	Sep 2011	Sep 2010	Sep 2009
Operating Activities
Operating Profit	-39,414	323,440	231,241	-122,374	-40,092	-133,344	-65,235	-33,619	107,531	237,257	98,153	120,607	160,947	16,439	1,321
Depreciation	10,464	17,496	16,258	16,910	42,471	0	47,408	10,738	9,978	6,656	714	1,206	2,650	2,522	2,029
Amortisation	0	0	0	0	0	0	0	0	0	0	0	0	0	0	0
Tax	0	-63,143	-43,439	0	0	0	0	0	-21,966	-50,079	-22,663	-29,098	-41,977	-4,627	-373
Stock	0	0	0	0	0	0	0	0	0	0	0	0	0	0	0
Debtors	0	-43,843	0	-2,527	1,285	45,085	0	0	0	-46,667	46,667	-19,046	15,209	-211	4,048
Creditors	-18,680	14,335	-10,755	19,100	-47,832	43,171	-29,457	-29,074	-54,443	84,801	-3,259	-59,724	91,583	12,338	11,518
Accruals and Deferred Income	-73,520	31,735	28,704	-23,297	10,678	42,016	-20,601	65,169	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	-121,150	367,706	222,009	-107,134	-36,060	-93,242	-67,885	13,214	41,100	325,302	26,278	52,037	197,994	26,883	10,447
Investing Activities
capital expenditure	-2,664	-4,818	-6,596	-6,807	-2,736	42,027	-112,352	-35,929	-77,966	-18,508	0	-1,758	-383	-1,479	-6,088
Change in Investments	-180,000	180,000	0	0	0	0	0	-75,000	0	0	0	75,000	0	0	0
cash flow from investments	177,336	-184,818	-6,596	-6,807	-2,736	42,027	-112,352	39,071	-77,966	-18,508	0	-76,758	-383	-1,479	-6,088
Financing Activities
Bank loans	0	0	0	0	0	0	0	0	0	0	0	0	0	0	0
Group/Directors Accounts	-22,098	2,400	0	-301	19,999	0	0	0	-40,000	40,000	-41,663	41,663	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	0	0	0	0	0	0	0	0	0	0	0	0	0	0	0
share issue	0	0	0	0	1	0	0	2	0	0	0	0	4	0	100
interest	29,914	8,893	-2,617	-1,245	2,104	2,346	1,073	1,230	2,298	1,215	381	634	502	86	11
cash flow from financing	7,816	11,293	-2,617	-1,546	22,104	2,346	1,073	1,232	-37,702	41,215	-41,282	42,297	506	86	111
cash and cash equivalents
cash	54,137	183,532	210,135	-65,487	-25,357	-39,136	-103,948	-21,562	86,720	346,449	-13,004	-88,077	140,837	25,490	4,470
overdraft	-9,864	-10,649	-2,662	50,000	-10,000	10,000	0	0	0	0	0	0	0	0	0
change in cash	64,001	194,181	212,797	-115,487	-15,357	-49,136	-103,948	-21,562	86,720	346,449	-13,004	-88,077	140,837	25,490	4,470

Very Low Risk70 - 100

Low Risk50 - 70

Moderate Risk30 - 50

High Risk20 - 30

Very High Risk0 - 20

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POSITIVE LENDING (UK) LIMITED group structure

Positive Lending (Uk) Limited has no subsidiary companies.

Ultimate parent company

POSITIVE LENDING (UK) LIMITED

06700848

POSITIVE LENDING (UK) LIMITED Shareholders

paul mcgonigle	50.47%
dawn mcgonigle	47.66%
bradley mcgonigle	0.93%
georgia mcgonigle	0.93%

Positive Lending (Uk) Limited currently has 1 director, Mr Paul McGonigle serving since Sep 2011.

officer	country	age	start	end	role
Mr Paul McGonigle	England	54 years	Sep 2011	-	Director

P&L

September 2023

turnover

4.6m

+18%

operating profit

-39.4k

gross margin

85.2%

+1.39%

turnover

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

Balance Sheet

September 2023

net assets

632.4k

-0.01%

total assets

743.8k

-0.15%

cash

695.2k

+0.08%

net assets

Total assets minus all liabilities

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company number

06700848

Type

Private limited with Share Capital

industry

66190 - Other activities auxiliary to financial services, except insurance and pension funding

incorporation date

September 2008

accounts

Total Exemption Full

ultimate parent company

None

previous names

N/A

last accounts submitted

September 2023

address

positive house gp centre, yeoman road, ringwood, hampshire, BH24 2FF

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 positive lending (uk) limited.

positive lending (uk) limited Company Information

positive lending (uk) limited Estimated Valuation

positive lending (uk) limited Estimated Valuation

positive lending (uk) limited Estimated Valuation

Positive Lending (uk) Limited Overview

Positive Lending (uk) Limited Health Check

POSITIVE LENDING (UK) LIMITED financials

positive lending (uk) limited Credit Report and Business Information

Positive Lending (uk) Limited Competitor Analysis

positive lending (uk) limited Ownership

positive lending (uk) limited directors

positive lending (uk) limited company details

positive lending (uk) limited Charges & Mortgages

positive lending (uk) limited Companies House Filings - See Documents