central trust syndicate number one limited
central trust syndicate number one limited Company Information
Company Number
07020664
Next Accounts
Sep 2025
Shareholders
central trust ltd
Group Structure
View All
Industry
Activities of mortgage finance companies
Registered Address
25-27 surrey street, norwich, norfolk, NR1 3NX
Website
www.centraltrust.co.ukcentral trust syndicate number one limited Estimated Valuation
Pomanda estimates the enterprise value of CENTRAL TRUST SYNDICATE NUMBER ONE LIMITED at £21m based on a Turnover of £6.3m and 3.35x industry multiple (adjusted for size and gross margin).
central trust syndicate number one limited Estimated Valuation
Pomanda estimates the enterprise value of CENTRAL TRUST SYNDICATE NUMBER ONE LIMITED at £46.4m based on an EBITDA of £3.3m and a 14.16x industry multiple (adjusted for size and gross margin).
central trust syndicate number one limited Estimated Valuation
Pomanda estimates the enterprise value of CENTRAL TRUST SYNDICATE NUMBER ONE LIMITED at £120.6m based on Net Assets of £33.5m and 3.6x industry multiple (adjusted for liquidity).
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Central Trust Syndicate Number One Limited Overview
Central Trust Syndicate Number One Limited is a live company located in norfolk, NR1 3NX with a Companies House number of 07020664. It operates in the activities of mortgage finance companies sector, SIC Code 64922. Founded in September 2009, it's largest shareholder is central trust ltd with a 100% stake. Central Trust Syndicate Number One Limited is a established, mid sized company, Pomanda has estimated its turnover at £6.3m with declining growth in recent years.
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Central Trust Syndicate Number One Limited Health Check
Pomanda's financial health check has awarded Central Trust Syndicate Number One Limited a 5 rating. We use a traffic light system to show it exceeds the industry average on 5 measures and has 2 areas for improvement. Company Health Check FAQs
5 Strong
2 Regular
2 Weak
Size
annual sales of £6.3m, make it in line with the average company (£6m)
£6.3m - Central Trust Syndicate Number One Limited
£6m - Industry AVG
Growth
3 year (CAGR) sales growth of -8%, show it is growing at a slower rate (6.6%)
-8% - Central Trust Syndicate Number One Limited
6.6% - Industry AVG
Production
with a gross margin of 73.1%, this company has a lower cost of product (33.1%)
73.1% - Central Trust Syndicate Number One Limited
33.1% - Industry AVG
Profitability
an operating margin of 52.3% make it more profitable than the average company (11.8%)
52.3% - Central Trust Syndicate Number One Limited
11.8% - Industry AVG
Employees
with 29 employees, this is above the industry average (12)
- Central Trust Syndicate Number One Limited
12 - Industry AVG
Pay Structure
There is insufficient data available for this Key Performance Indicator!
- Central Trust Syndicate Number One Limited
- - Industry AVG
Efficiency
resulting in sales per employee of £216.3k, this is equally as efficient (£220.5k)
- Central Trust Syndicate Number One Limited
£220.5k - Industry AVG
Debtor Days
There is insufficient data available for this Key Performance Indicator!
- - Central Trust Syndicate Number One Limited
- - Industry AVG
Creditor Days
its suppliers are paid after 0 days, this is quicker than average (11 days)
0 days - Central Trust Syndicate Number One Limited
11 days - Industry AVG
Stock Days
There is insufficient data available for this Key Performance Indicator!
- - Central Trust Syndicate Number One Limited
- - Industry AVG
Cash Balance
has cash to cover current liabilities for 91 weeks, this is more cash available to meet short term requirements (18 weeks)
91 weeks - Central Trust Syndicate Number One Limited
18 weeks - Industry AVG
Debt Level
it has a ratio of liabilities to total assets of 44.7%, this is a lower level of debt than the average (93%)
44.7% - Central Trust Syndicate Number One Limited
93% - Industry AVG
CENTRAL TRUST SYNDICATE NUMBER ONE LIMITED financials
Central Trust Syndicate Number One Limited's latest turnover from December 2023 is £6.3 million and the company has net assets of £33.5 million. According to their latest financial statements, we estimate that Central Trust Syndicate Number One Limited has 29 employees and maintains cash reserves of £1.3 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 | 6,274,000 | 7,748,000 | 7,886,000 | 8,148,000 | 8,845,000 | 9,160,000 | 10,164,000 | 11,323,000 | 12,660,000 | 13,141,000 | 13,184,000 | 13,224,000 | 12,908,000 | 11,267,000 | 321,698 |
| Other Income Or Grants | |||||||||||||||
| Cost Of Sales | 1,685,000 | 2,092,000 | 1,892,000 | 2,052,000 | 2,577,000 | 3,223,000 | 3,316,000 | 3,644,000 | 4,463,000 | 5,385,000 | 3,963,000 | 5,967,000 | 5,907,000 | 4,856,000 | 223,735 |
| Gross Profit | 4,589,000 | 5,656,000 | 5,994,000 | 6,096,000 | 6,268,000 | 5,937,000 | 6,848,000 | 7,679,000 | 8,197,000 | 7,756,000 | 9,221,000 | 7,257,000 | 7,001,000 | 6,411,000 | 97,963 |
| Admin Expenses | 1,308,000 | 4,496,000 | 4,124,000 | 3,645,000 | 3,937,000 | 3,707,000 | 3,321,000 | 3,085,000 | 3,002,000 | 2,995,000 | 3,267 | ||||
| Operating Profit | 3,281,000 | 1,160,000 | 1,870,000 | 2,451,000 | 2,331,000 | 2,230,000 | 3,527,000 | 4,594,000 | 5,195,000 | 4,761,000 | 94,696 | ||||
| Interest Payable | 2,962,000 | 2,865,000 | 3,223,000 | 4,476,000 | 4,750,000 | 4,157,000 | 4,463,000 | 4,924,000 | |||||||
| Interest Receivable | 4,000 | 55,000 | |||||||||||||
| Pre-Tax Profit | 2,266,000 | 2,421,000 | 2,613,000 | 2,451,000 | 2,331,000 | 2,230,000 | 3,527,000 | 4,594,000 | 5,195,000 | 4,761,000 | 6,668,000 | 4,973,000 | 4,879,000 | 4,529,000 | 94,696 |
| Tax | -533,000 | -498,000 | -492,000 | -462,000 | -442,000 | -423,000 | -678,000 | -921,000 | -960,000 | -1,026,000 | -1,569,000 | -1,165,000 | -1,281,000 | -707,000 | |
| Profit After Tax | 1,733,000 | 1,923,000 | 2,121,000 | 1,989,000 | 1,889,000 | 1,807,000 | 2,849,000 | 3,673,000 | 4,235,000 | 3,735,000 | 5,099,000 | 3,808,000 | 3,598,000 | 3,822,000 | 94,696 |
| Dividends Paid | 4,000,000 | 2,000,000 | 3,000,000 | 2,000,000 | 3,900,000 | 9,000,000 | 3,500,000 | 21,000,000 | 6,250,000 | 6,998,000 | 250,000 | ||||
| Retained Profit | -2,267,000 | 1,923,000 | 121,000 | -1,011,000 | -111,000 | -2,093,000 | -6,151,000 | 173,000 | 4,235,000 | -17,265,000 | -1,151,000 | -3,190,000 | 3,598,000 | 3,572,000 | 94,696 |
| Employee Costs | |||||||||||||||
| Number Of Employees | |||||||||||||||
| EBITDA* | 3,281,000 | 1,160,000 | 1,870,000 | 2,451,000 | 2,331,000 | 2,230,000 | 3,527,000 | 4,594,000 | 5,195,000 | 4,761,000 | 94,696 |
* 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 | |||||||||||||||
| Intangible Assets | |||||||||||||||
| Investments & Other | |||||||||||||||
| Debtors (Due After 1 year) | 51,716,000 | 58,540,000 | 65,035,000 | 65,311,000 | 66,929,000 | 67,858,000 | 71,224,000 | 77,329,000 | 86,050,000 | 92,428,000 | 91,049,000 | 93,286,000 | 94,060,000 | 81,313,000 | 94,479,054 |
| Total Fixed Assets | 51,716,000 | 58,540,000 | 65,035,000 | 65,311,000 | 66,929,000 | 67,858,000 | 71,224,000 | 77,329,000 | 86,050,000 | 92,428,000 | 91,049,000 | 93,286,000 | 94,060,000 | 81,313,000 | 94,479,054 |
| Stock & work in progress | |||||||||||||||
| Trade Debtors | |||||||||||||||
| Group Debtors | 7,013,000 | 7,901,000 | 8,188,000 | 257,000 | 190,000 | 149,000 | 3,000 | 17,000 | 545,000 | 1,000 | 906,354 | ||||
| Misc Debtors | 459,000 | 1,398,000 | 876,000 | 7,935,000 | 9,069,000 | 9,400,000 | 10,251,000 | 11,719,000 | 12,490,000 | 12,469,000 | 12,663,000 | 10,827,000 | 9,148,000 | 8,510,000 | 8,479,115 |
| Cash | 1,349,000 | 2,619,000 | 2,241,000 | 2,057,000 | 2,116,000 | 1,111,000 | 4,983,000 | 3,808,000 | 5,578,000 | 4,093,000 | 3,833,000 | 2,819,000 | 4,587,000 | 8,905,000 | 2,459,891 |
| misc current assets | |||||||||||||||
| total current assets | 8,821,000 | 11,918,000 | 11,305,000 | 9,992,000 | 11,442,000 | 10,701,000 | 15,383,000 | 15,530,000 | 18,068,000 | 16,579,000 | 16,496,000 | 14,191,000 | 13,735,000 | 17,416,000 | 11,845,360 |
| total assets | 60,537,000 | 70,458,000 | 76,340,000 | 75,303,000 | 78,371,000 | 78,559,000 | 86,607,000 | 92,859,000 | 104,118,000 | 109,007,000 | 107,545,000 | 107,477,000 | 107,795,000 | 98,729,000 | 106,324,414 |
| Bank overdraft | |||||||||||||||
| Bank loan | |||||||||||||||
| Trade Creditors | 1,000 | 2,000 | 44,000 | 2,000 | 4,000 | 3,000 | 2,000 | ||||||||
| Group/Directors Accounts | 105,000 | 2,684,000 | 2,483,000 | 1,959,000 | 2,235,000 | 2,160,000 | 1,597,000 | 2,654,000 | 1,546,000 | 147,000 | 2,396,000 | 1,199,000 | 2,488,000 | 319,000 | 97,195 |
| other short term finances | |||||||||||||||
| hp & lease commitments | |||||||||||||||
| other current liabilities | 661,000 | 452,000 | 963,000 | 1,245,000 | 818,000 | 823,000 | 486,000 | 310,000 | 1,302,000 | 1,586,000 | 146,000 | 200,000 | 333,000 | 321,000 | 269,597 |
| total current liabilities | 767,000 | 3,138,000 | 3,490,000 | 3,204,000 | 3,053,000 | 2,983,000 | 2,085,000 | 2,964,000 | 2,852,000 | 1,733,000 | 2,542,000 | 1,399,000 | 2,824,000 | 642,000 | 366,792 |
| loans | 26,276,000 | 31,559,000 | 39,012,000 | 38,382,000 | 40,590,000 | 40,737,000 | 47,590,000 | 46,812,000 | 58,356,000 | 68,599,000 | 48,817,000 | 68,741,000 | 64,444,000 | 61,158,000 | 72,600,000 |
| hp & lease commitments | |||||||||||||||
| Accruals and Deferred Income | |||||||||||||||
| other liabilities | |||||||||||||||
| provisions | |||||||||||||||
| total long term liabilities | 26,276,000 | 31,559,000 | 39,012,000 | 38,382,000 | 40,590,000 | 40,737,000 | 47,590,000 | 46,812,000 | 58,356,000 | 68,599,000 | 48,817,000 | 68,741,000 | 64,444,000 | 61,158,000 | 72,600,000 |
| total liabilities | 27,043,000 | 34,697,000 | 42,502,000 | 41,586,000 | 43,643,000 | 43,720,000 | 49,675,000 | 49,776,000 | 61,208,000 | 70,332,000 | 51,359,000 | 70,140,000 | 67,268,000 | 61,800,000 | 72,966,792 |
| net assets | 33,494,000 | 35,761,000 | 33,838,000 | 33,717,000 | 34,728,000 | 34,839,000 | 36,932,000 | 43,083,000 | 42,910,000 | 38,675,000 | 56,186,000 | 37,337,000 | 40,527,000 | 36,929,000 | 33,357,622 |
| total shareholders funds | 33,494,000 | 35,761,000 | 33,838,000 | 33,717,000 | 34,728,000 | 34,839,000 | 36,932,000 | 43,083,000 | 42,910,000 | 38,675,000 | 56,186,000 | 37,337,000 | 40,527,000 | 36,929,000 | 33,357,622 |
| 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 | 3,281,000 | 1,160,000 | 1,870,000 | 2,451,000 | 2,331,000 | 2,230,000 | 3,527,000 | 4,594,000 | 5,195,000 | 4,761,000 | 94,696 | ||||
| Depreciation | |||||||||||||||
| Amortisation | |||||||||||||||
| Tax | -533,000 | -498,000 | -492,000 | -462,000 | -442,000 | -423,000 | -678,000 | -921,000 | -960,000 | -1,026,000 | -1,569,000 | -1,165,000 | -1,281,000 | -707,000 | |
| Stock | |||||||||||||||
| Debtors | -8,651,000 | -6,260,000 | 853,000 | -3,009,000 | -1,193,000 | -4,176,000 | -7,427,000 | -9,489,000 | -6,374,000 | 1,202,000 | -946,000 | 1,450,000 | 13,384,000 | -14,040,523 | 103,864,523 |
| Creditors | -1,000 | -42,000 | 44,000 | -2,000 | 2,000 | -4,000 | 4,000 | -3,000 | 1,000 | 2,000 | |||||
| Accruals and Deferred Income | 209,000 | -511,000 | -282,000 | 427,000 | -5,000 | 337,000 | 176,000 | -992,000 | -284,000 | 1,440,000 | -54,000 | -133,000 | 12,000 | 51,403 | 269,597 |
| Deferred Taxes & Provisions | |||||||||||||||
| Cash flow from operations | 11,607,000 | 6,369,000 | 287,000 | 5,425,000 | 3,077,000 | 6,318,000 | 10,454,000 | 12,166,000 | 10,329,000 | 3,973,000 | -103,500,230 | ||||
| Investing Activities | |||||||||||||||
| capital expenditure | |||||||||||||||
| Change in Investments | |||||||||||||||
| cash flow from investments | |||||||||||||||
| Financing Activities | |||||||||||||||
| Bank loans | |||||||||||||||
| Group/Directors Accounts | -2,579,000 | 201,000 | 524,000 | -276,000 | 75,000 | 563,000 | -1,057,000 | 1,108,000 | 1,399,000 | -2,249,000 | 1,197,000 | -1,289,000 | 2,169,000 | 221,805 | 97,195 |
| Other Short Term Loans | |||||||||||||||
| Long term loans | -5,283,000 | -7,453,000 | 630,000 | -2,208,000 | -147,000 | -6,853,000 | 778,000 | -11,544,000 | -10,243,000 | 19,782,000 | -19,924,000 | 4,297,000 | 3,286,000 | -11,442,000 | 72,600,000 |
| Hire Purchase and Lease Commitments | |||||||||||||||
| other long term liabilities | |||||||||||||||
| share issue | |||||||||||||||
| interest | -2,962,000 | -2,865,000 | -3,219,000 | -4,421,000 | -4,750,000 | -4,157,000 | -4,463,000 | -4,924,000 | |||||||
| cash flow from financing | -7,862,000 | -7,252,000 | 1,154,000 | -2,484,000 | -72,000 | -9,252,000 | -3,144,000 | -13,655,000 | -13,265,000 | 12,537,000 | -2,884,000 | -1,455,000 | 531,000 | 105,960,121 | |
| cash and cash equivalents | |||||||||||||||
| cash | -1,270,000 | 378,000 | 184,000 | -59,000 | 1,005,000 | -3,872,000 | 1,175,000 | -1,770,000 | 1,485,000 | 260,000 | 1,014,000 | -1,768,000 | -4,318,000 | 6,445,109 | 2,459,891 |
| overdraft | |||||||||||||||
| change in cash | -1,270,000 | 378,000 | 184,000 | -59,000 | 1,005,000 | -3,872,000 | 1,175,000 | -1,770,000 | 1,485,000 | 260,000 | 1,014,000 | -1,768,000 | -4,318,000 | 6,445,109 | 2,459,891 |
central trust syndicate number one limited Credit Report and Business Information
Central Trust Syndicate Number One Limited Competitor Analysis
Perform a competitor analysis for central trust syndicate number one limited by selecting its closest rivals, whether from the FINANCIAL AND INSURANCE ACTIVITIES sector, other mid companies, companies in NR1 area or any other competitors across 12 key performance metrics.
central trust syndicate number one limited Ownership
CENTRAL TRUST SYNDICATE NUMBER ONE LIMITED group structure
Central Trust Syndicate Number One Limited has no subsidiary companies.
Ultimate parent company
2 parents
CENTRAL TRUST SYNDICATE NUMBER ONE LIMITED
07020664
central trust syndicate number one limited directors
Central Trust Syndicate Number One Limited currently has 6 directors. The longest serving directors include Mrs Maureen Pooley (Sep 2009) and Mr Andrew Turner (Sep 2009).
| officer | country | age | start | end | role |
|---|---|---|---|---|---|
| Mrs Maureen Pooley | 78 years | Sep 2009 | - | Director | |
| Mr Andrew Turner | England | 66 years | Sep 2009 | - | Director |
| Ms Debbie Burton | England | 53 years | Feb 2015 | - | Director |
| Ms Jane McMahon | 70 years | Oct 2016 | - | Director | |
| Mr Paul Hollander | England | 44 years | Jan 2017 | - | Director |
| Mr Carl Astley | England | 50 years | Sep 2021 | - | Director |
P&L
December 2023turnover
6.3m
-19%
operating profit
3.3m
+183%
gross margin
73.2%
+0.2%
turnover
Turnover, or revenue, is the amount of sales generated by a company within the financial year.
Balance Sheet
December 2023net assets
33.5m
-0.06%
total assets
60.5m
-0.14%
cash
1.3m
-0.48%
net assets
Total assets minus all liabilities
central trust syndicate number one limited company details
company number
07020664
Type
Private limited with Share Capital
industry
64922 - Activities of mortgage finance companies
incorporation date
September 2009
age
16
incorporated
UK
ultimate parent company
accounts
Full Accounts
last accounts submitted
December 2023
previous names
central lending syndicate number one limited (September 2011)
accountant
-
auditor
LOVEWELL BLAKE LLP
address
25-27 surrey street, norwich, norfolk, NR1 3NX
Bank
NATIONAL WESTMINSTER BANK PLC
Legal Advisor
-
central trust syndicate number one 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 127 charges/mortgages relating to central trust syndicate number one limited. Currently there are 127 open charges and 0 have been satisfied in the past.
central trust syndicate number one 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 CENTRAL TRUST SYNDICATE NUMBER ONE LIMITED. This can take several minutes, an email will notify you when this has completed.
central trust syndicate number one limited Companies House Filings - See Documents
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