Arden Commercial Finance Ltd

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arden commercial finance ltd Company Information

Live

EstablishedSmallHealthy

Company Number

06812464

Website

www.theardengroup.co.uk

Registered Address

33 wolverhampton road, cannock, staffordshire, WS11 1AP

Industry

Other financial service activities, except insurance and pension funding, (not including security dealing on own account and factoring) n.e.c.

Telephone

01216297774

Next Accounts Due

October 2025

Group Structure

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Directors

Colin Carter15 Years

Shareholders

april morris 50%

colin carter 50%

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arden commercial finance ltd Estimated Valuation

£1.1m

Pomanda estimates the enterprise value of ARDEN COMMERCIAL FINANCE LTD at £1.1m based on a Turnover of £834.1k and 1.36x industry multiple (adjusted for size and gross margin).

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Arden Commercial Finance Ltd is a live company located in staffordshire, WS11 1AP with a Companies House number of 06812464. It operates in the financial intermediation not elsewhere classified sector, SIC Code 64999. Founded in February 2009, it's largest shareholder is april morris with a 50% stake. Arden Commercial Finance Ltd is a established, small sized company, Pomanda has estimated its turnover at £834.1k with healthy growth in recent years.

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Pomanda's financial health check has awarded Arden Commercial Finance Ltd a 3 rating. We use a traffic light system to show it exceeds the industry average on 2 measures and has 6 areas for improvement. Company Health Check FAQs

Health Rating3out of 5

2 Strong

3 Regular

6 Weak

Size

annual sales of £834.1k, make it smaller than the average company (£5.2m)

Growth

3 year (CAGR) sales growth of 13%, show it is growing at a faster rate (6.2%)

EXPORT

Arden Commercial Finance Ltd's latest turnover from January 2024 is estimated at £834.1 thousand and the company has net assets of £476 thousand. According to their latest financial statements, Arden Commercial Finance Ltd has 1 employee and maintains cash reserves of £357 thousand 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	Jul 2010	Jan 2010
Turnover	834,094	1,918,080	1,373,453	571,868	889,829	495,159	1,072,253	1,864,487	1,274,904	2,725,506	2,619,837	3,255,535	3,100,016	247,947	280,919	316,213
Other Income Or Grants	0	0	0	0	0	0	0	0	0	0	0	0	0	0	0	0
Cost Of Sales	349,301	736,687	501,895	215,860	311,085	168,055	356,862	666,840	442,705	975,416	990,441	1,274,376	1,269,874	106,250	117,708	149,319
Gross Profit	484,793	1,181,393	871,558	356,009	578,743	327,103	715,391	1,197,648	832,199	1,750,090	1,629,396	1,981,159	1,830,142	141,696	163,211	166,894
Admin Expenses	493,930	1,155,858	857,416	348,129	566,046	297,273	679,900	1,158,651	801,549	1,667,086	1,628,363	1,965,942	1,667,914	37,149	237,044	240,727
Operating Profit	-9,137	25,535	14,142	7,880	12,697	29,830	35,491	38,997	30,650	83,004	1,033	15,217	162,228	104,547	-73,833	-73,833
Interest Payable	3,117	3,642	2,917	1,525	0	0	0	0	0	0	0	0	0	0	0	0
Interest Receivable	24,537	13,826	614	278	1,031	580	504	270	448	507	482	499	722	549	214	214
Pre-Tax Profit	12,284	35,719	11,840	6,633	13,727	30,410	35,995	39,266	31,098	83,511	1,516	15,716	162,950	105,096	-73,619	-73,619
Tax	-3,071	-6,787	-2,250	-1,260	-2,608	-5,778	-6,839	-7,853	-6,219	-17,537	-349	-3,772	-42,367	-29,427	0	0
Profit After Tax	9,213	28,932	9,590	5,373	11,119	24,632	29,156	31,413	24,878	65,974	1,167	11,944	120,583	75,669	-73,619	-73,619
Dividends Paid	0	0	0	0	0	0	0	0	0	0	0	0	0	0	0	0
Retained Profit	9,213	28,932	9,590	5,373	11,119	24,632	29,156	31,413	24,878	65,974	1,167	11,944	120,583	75,669	-73,619	-73,619
Employee Costs	80,119	71,982	71,454	68,854	70,485	67,302	395,971	695,173	427,278	878,758	837,067	1,027,977	902,225	111,135	111,312	116,800
Number Of Employees	1	1	1	1	1	1	6	11	7	15	14	18	16	2	2	2
EBITDA*	6,338	31,170	18,128	13,324	15,957	48,243	43,996	43,053	30,650	89,212	5,128	19,714	164,614	105,368	-70,625	-73,833

* 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	Jul 2010	Jan 2010
Tangible Assets	46,426	57,527	10,879	16,337	37,548	55,784	25,517	12,168	13,339	18,623	12,326	13,452	7,157	5,749	6,570	6,570
Intangible Assets	0	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	0
Debtors (Due After 1 year)	0	0	0	0	0	0	0	0	0	0	0	0	0	0	0	0
Total Fixed Assets	46,426	57,527	10,879	16,337	37,548	55,784	25,517	12,168	13,339	18,623	12,326	13,452	7,157	5,749	6,570	6,570
Stock & work in progress	0	0	0	0	0	0	0	0	0	0	0	0	0	0	0	0
Trade Debtors	156,284	387,289	277,041	110,621	183,660	102,705	147,409	256,552	182,796	374,963	360,511	440,520	404,567	28,668	19,296	19,296
Group Debtors	572,156	124,693	763,255	678,133	452,853	571,136	597,134	389,329	153,115	0	0	0	0	0	0	0
Misc Debtors	24,150	10,226	9,183	15,772	25,318	88,826	97,523	85,998	103,459	0	0	0	0	0	0	0
Cash	356,990	624,496	165,540	325,421	230,476	44,346	110,355	91,423	124,322	54,700	148,152	44,714	154,796	133,950	85,452	85,452
misc current assets	0	0	0	0	0	0	0	0	0	0	0	0	0	0	0	0
total current assets	1,109,580	1,146,704	1,215,019	1,129,947	892,307	807,013	952,421	823,302	563,692	429,663	508,663	485,234	559,363	162,618	104,748	104,748
total assets	1,156,006	1,204,231	1,225,898	1,146,284	929,855	862,797	977,938	835,470	577,031	448,286	520,989	498,686	566,520	168,367	111,318	111,318
Bank overdraft	10,000	10,000	10,000	5,834	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	0
Trade Creditors	14,327	10,642	12,236	12,812	29,692	14,713	12,324	16,114	10,419	144,259	282,778	261,417	342,455	76,316	184,936	184,936
Group/Directors Accounts	624,658	672,366	709,401	610,989	461,088	389,220	530,459	390,509	211,008	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	0
hp & lease commitments	0	981	11,779	11,779	0	0	0	0	0	0	0	0	0	0	0	0
other current liabilities	6,055	9,166	8,220	16,549	9,023	36,466	43,140	68,402	26,338	0	0	0	0	0	0	0
total current liabilities	655,040	703,155	751,636	657,963	499,803	440,399	585,923	475,025	247,765	144,259	282,778	261,417	342,455	76,316	184,936	184,936
loans	13,333	23,333	33,333	44,166	0	0	0	0	0	0	0	0	0	0	0	0
hp & lease commitments	0	0	981	12,760	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	0
other liabilities	0	0	0	0	0	0	0	0	0	0	0	0	0	90,000	0	0
provisions	11,607	10,930	2,067	3,104	7,134	10,599	4,848	2,434	2,668	2,307	2,465	2,690	1,430	0	0	0
total long term liabilities	24,940	34,263	36,381	60,030	7,134	10,599	4,848	2,434	2,668	2,307	2,465	2,690	1,430	90,000	0	0
total liabilities	679,980	737,418	788,017	717,993	506,937	450,998	590,771	477,459	250,433	146,566	285,243	264,107	343,885	166,316	184,936	184,936
net assets	476,026	466,813	437,881	428,291	422,918	411,799	387,167	358,011	326,598	301,720	235,746	234,579	222,635	2,051	-73,618	-73,618
total shareholders funds	476,026	466,813	437,881	428,291	422,918	411,799	387,167	358,011	326,598	301,720	235,746	234,579	222,635	2,051	-73,618	-73,618

	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	Jul 2010	Jan 2010
Operating Activities
Operating Profit	-9,137	25,535	14,142	7,880	12,697	29,830	35,491	38,997	30,650	83,004	1,033	15,217	162,228	104,547	-73,833	-73,833
Depreciation	15,475	5,635	3,986	5,444	3,260	18,413	8,505	4,056	0	6,208	4,095	4,497	2,386	821	3,208	0
Amortisation	0	0	0	0	0	0	0	0	0	0	0	0	0	0	0	0
Tax	-3,071	-6,787	-2,250	-1,260	-2,608	-5,778	-6,839	-7,853	-6,219	-17,537	-349	-3,772	-42,367	-29,427	0	0
Stock	0	0	0	0	0	0	0	0	0	0	0	0	0	0	0	0
Debtors	230,382	-527,271	244,953	142,695	-100,836	-79,399	110,187	292,509	64,407	14,452	-80,009	35,953	375,899	9,372	19,296	19,296
Creditors	3,685	-1,594	-576	-16,880	14,979	2,389	-3,790	5,695	-133,840	-138,519	21,361	-81,038	266,139	-108,620	184,936	184,936
Accruals and Deferred Income	-3,111	946	-8,329	7,526	-27,443	-6,674	-25,262	42,064	26,338	0	0	0	0	0	0	0
Deferred Taxes & Provisions	677	8,863	-1,037	-4,030	-3,465	5,751	2,414	-234	361	-158	-225	1,260	1,430	0	0	0
Cash flow from operations	-225,864	559,869	-239,017	-144,015	98,256	123,330	-99,668	-209,784	-147,117	-81,454	105,924	-99,789	13,917	-42,051	95,015	91,807
Investing Activities
capital expenditure	-4,374	-52,283	1,472	15,767	14,976	-48,680	-21,854	-2,885	5,284	-12,505	-2,969	-10,792	-3,794	0	-9,778	-6,570
Change in Investments	0	0	0	0	0	0	0	0	0	0	0	0	0	0	0	0
cash flow from investments	-4,374	-52,283	1,472	15,767	14,976	-48,680	-21,854	-2,885	5,284	-12,505	-2,969	-10,792	-3,794	0	-9,778	-6,570
Financing Activities
Bank loans	0	0	0	0	0	0	0	0	0	0	0	0	0	0	0	0
Group/Directors Accounts	-47,708	-37,035	98,412	149,901	71,868	-141,239	139,950	179,501	211,008	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	0
Long term loans	-10,000	-10,000	-10,833	44,166	0	0	0	0	0	0	0	0	0	0	0	0
Hire Purchase and Lease Commitments	-981	-11,779	-11,779	24,539	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	-90,000	90,000	0	0
share issue	0	0	0	0	0	0	0	0	0	0	0	0	100,001	0	1	1
interest	21,420	10,184	-2,303	-1,247	1,031	580	504	270	448	507	482	499	722	549	214	214
cash flow from financing	-37,269	-48,630	73,497	217,359	72,899	-140,659	140,454	179,771	211,456	507	482	499	10,723	90,549	215	215
cash and cash equivalents
cash	-267,506	458,956	-159,881	94,945	186,130	-66,009	18,932	-32,899	69,622	-93,452	103,438	-110,082	20,846	48,498	85,452	85,452
overdraft	0	0	4,166	5,834	0	0	0	0	0	0	0	0	0	0	0	0
change in cash	-267,506	458,956	-164,047	89,111	186,130	-66,009	18,932	-32,899	69,622	-93,452	103,438	-110,082	20,846	48,498	85,452	85,452

Very Low Risk70 - 100

Low Risk50 - 70

Moderate Risk30 - 50

High Risk20 - 30

Very High Risk0 - 20

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ARDEN COMMERCIAL FINANCE LTD group structure

Arden Commercial Finance Ltd has no subsidiary companies.

Ultimate parent company

ARDEN COMMERCIAL FINANCE LTD

06812464

ARDEN COMMERCIAL FINANCE LTD Shareholders

april morris	50%
colin carter	50%
colin john carter	0%

Arden Commercial Finance Ltd currently has 1 director, Mr Colin Carter serving since Feb 2009.

officer	country	age	start	end	role
Mr Colin Carter	England	62 years	Feb 2009	-	Director

P&L

January 2024

turnover

834.1k

-57%

operating profit

-9.1k

gross margin

58.2%

-5.63%

turnover

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

Balance Sheet

January 2024

net assets

476k

+0.02%

total assets

1.2m

-0.04%

cash

357k

-0.43%

net assets

Total assets minus all liabilities

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company number

06812464

Type

Private limited with Share Capital

industry

64999 - Other financial service activities, except insurance and pension funding, (not including security dealing on own account and factoring) n.e.c.

incorporation date

February 2009

ultimate parent company

None

previous names

N/A

address

33 wolverhampton road, cannock, staffordshire, WS11 1AP

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 arden commercial finance ltd.

arden commercial finance ltd Company Information

arden commercial finance ltd Estimated Valuation

arden commercial finance ltd Estimated Valuation

arden commercial finance ltd Estimated Valuation

Arden Commercial Finance Ltd Overview

Arden Commercial Finance Ltd Health Check

ARDEN COMMERCIAL FINANCE LTD financials

arden commercial finance ltd Credit Report and Business Information

Arden Commercial Finance Ltd Competitor Analysis

arden commercial finance ltd Ownership

arden commercial finance ltd directors

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arden commercial finance ltd Companies House Filings - See Documents