gi credit ltd
gi credit ltd Company Information
Company Number
07136055
Next Accounts
Dec 2025
Shareholders
fint trust
arcturus global fund sarl
Group Structure
View All
Industry
Other business support service activities n.e.c.
Registered Address
07136055 - ch default address, cardiff, CF14 8LH
Website
www.euroconsultancy-re.comgi credit ltd Estimated Valuation
Pomanda estimates the enterprise value of GI CREDIT LTD at £1.9m based on a Turnover of £4.3m and 0.44x industry multiple (adjusted for size and gross margin).
gi credit ltd Estimated Valuation
Pomanda estimates the enterprise value of GI CREDIT LTD at £0 based on an EBITDA of £-365.6k and a 3.19x industry multiple (adjusted for size and gross margin).
gi credit ltd Estimated Valuation
Pomanda estimates the enterprise value of GI CREDIT LTD at £1.4m based on Net Assets of £655.4k and 2.13x industry multiple (adjusted for liquidity).
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Gi Credit Ltd Overview
Gi Credit Ltd is a live company located in cardiff, CF14 8LH with a Companies House number of 07136055. It operates in the other business support service activities n.e.c. sector, SIC Code 82990. Founded in January 2010, it's largest shareholder is fint trust with a 64.9% stake. Gi Credit Ltd is a established, small sized company, Pomanda has estimated its turnover at £4.3m with high growth in recent years.
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Gi Credit Ltd Health Check
Pomanda's financial health check has awarded Gi Credit Ltd a 4.5 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
4 Strong
3 Regular
4 Weak
Size
annual sales of £4.3m, make it in line with the average company (£3.7m)
- Gi Credit Ltd
£3.7m - Industry AVG
Growth
3 year (CAGR) sales growth of 16%, show it is growing at a faster rate (8.2%)
- Gi Credit Ltd
8.2% - Industry AVG
Production
with a gross margin of 17.1%, this company has a higher cost of product (38.1%)
- Gi Credit Ltd
38.1% - Industry AVG
Profitability
an operating margin of -8.5% make it less profitable than the average company (5.7%)
- Gi Credit Ltd
5.7% - Industry AVG
Employees
with 12 employees, this is below the industry average (22)
- Gi Credit Ltd
22 - Industry AVG
Pay Structure
on an average salary of £46.5k, the company has an equivalent pay structure (£46.5k)
- Gi Credit Ltd
£46.5k - Industry AVG
Efficiency
resulting in sales per employee of £357k, this is more efficient (£145.9k)
- Gi Credit Ltd
£145.9k - Industry AVG
Debtor Days
it gets paid by customers after 92 days, this is later than average (36 days)
- Gi Credit Ltd
36 days - Industry AVG
Creditor Days
its suppliers are paid after 89 days, this is slower than average (33 days)
- Gi Credit Ltd
33 days - Industry AVG
Stock Days
There is insufficient data available for this Key Performance Indicator!
- Gi Credit Ltd
- - Industry AVG
Cash Balance
has cash to cover current liabilities for 42 weeks, this is more cash available to meet short term requirements (26 weeks)
42 weeks - Gi Credit Ltd
26 weeks - Industry AVG
Debt Level
it has a ratio of liabilities to total assets of 63.5%, this is a similar level of debt than the average (58.8%)
63.5% - Gi Credit Ltd
58.8% - Industry AVG
GI CREDIT LTD financials
Gi Credit Ltd's latest turnover from March 2024 is estimated at £4.3 million and the company has net assets of £655.4 thousand. According to their latest financial statements, we estimate that Gi Credit Ltd has 12 employees and maintains cash reserves of £711.5 thousand as reported in the balance sheet.
Data source: Companies House, Pomanda Estimates
| Mar 2024 | Mar 2023 | Mar 2022 | Mar 2021 | Mar 2019 | Mar 2018 | Mar 2017 | Dec 2015 | Dec 2014 | Dec 2013 | Jan 2013 | Jan 2012 | Jan 2011 | |
|---|---|---|---|---|---|---|---|---|---|---|---|---|---|
| Turnover | |||||||||||||
| Other Income Or Grants | |||||||||||||
| Cost Of Sales | |||||||||||||
| Gross Profit | |||||||||||||
| Admin Expenses | |||||||||||||
| Operating Profit | |||||||||||||
| Interest Payable | |||||||||||||
| Interest Receivable | |||||||||||||
| Pre-Tax Profit | |||||||||||||
| Tax | |||||||||||||
| Profit After Tax | |||||||||||||
| Dividends Paid | |||||||||||||
| Retained Profit | |||||||||||||
| Employee Costs | |||||||||||||
| Number Of Employees | 1 | 1 | 1 | ||||||||||
| EBITDA* |
* Earnings Before Interest, Tax, Depreciation and Amortisation
| Mar 2024 | Mar 2023 | Mar 2022 | Mar 2021 | Mar 2019 | Mar 2018 | Mar 2017 | Dec 2015 | Dec 2014 | Dec 2013 | Jan 2013 | Jan 2012 | Jan 2011 | |
|---|---|---|---|---|---|---|---|---|---|---|---|---|---|
| Tangible Assets | 12,765 | ||||||||||||
| Intangible Assets | |||||||||||||
| Investments & Other | 791,311 | ||||||||||||
| Debtors (Due After 1 year) | 2,211,527 | ||||||||||||
| Total Fixed Assets | 2,224,292 | 791,311 | |||||||||||
| Stock & work in progress | 35,180 | ||||||||||||
| Trade Debtors | 1,084,455 | 1,084,455 | 1,795,948 | 1,084,455 | 4,200 | 1,699 | 3,814 | 3,814 | 32,522 | ||||
| Group Debtors | |||||||||||||
| Misc Debtors | |||||||||||||
| Cash | 711,493 | 711,493 | 711,493 | 4,200 | 4,200 | 1,446 | 5,663 | 2,022 | 22,433 | 64,318 | |||
| misc current assets | |||||||||||||
| total current assets | 1,795,948 | 1,795,948 | 1,795,948 | 1,795,948 | 4,200 | 4,200 | 4,200 | 1,446 | 7,362 | 5,836 | 61,427 | 96,840 | |
| total assets | 1,795,948 | 1,795,948 | 1,795,948 | 1,795,948 | 2,228,492 | 795,511 | 4,200 | 1,446 | 7,362 | 5,836 | 61,427 | 96,840 | |
| Bank overdraft | |||||||||||||
| Bank loan | |||||||||||||
| Trade Creditors | 870,752 | 791,344 | 791,344 | 791,344 | 1,691,235 | 1 | 14 | 4,917 | 2,415 | 2,415 | 29,991 | ||
| Group/Directors Accounts | 316,097 | ||||||||||||
| other short term finances | |||||||||||||
| hp & lease commitments | |||||||||||||
| other current liabilities | 477,698 | 2,485 | |||||||||||
| total current liabilities | 870,752 | 791,344 | 791,344 | 791,344 | 1,691,235 | 793,796 | 2,485 | 14 | 4,917 | 2,415 | 2,415 | 29,991 | |
| loans | |||||||||||||
| hp & lease commitments | |||||||||||||
| Accruals and Deferred Income | |||||||||||||
| other liabilities | 269,792 | 21,000 | 21,000 | 21,000 | 527,764 | ||||||||
| provisions | |||||||||||||
| total long term liabilities | 269,792 | 21,000 | 21,000 | 21,000 | 527,764 | ||||||||
| total liabilities | 1,140,544 | 812,344 | 812,344 | 812,344 | 2,218,999 | 793,796 | 2,485 | 14 | 4,917 | 2,415 | 2,415 | 29,991 | |
| net assets | 655,404 | 983,604 | 983,604 | 983,604 | 9,493 | 1,715 | 1,715 | 1,432 | 2,445 | 3,421 | 59,012 | 66,849 | |
| total shareholders funds | 655,404 | 983,604 | 983,604 | 983,604 | 9,493 | 1,715 | 1,715 | 1,432 | 2,445 | 3,421 | 59,012 | 66,849 |
| Mar 2024 | Mar 2023 | Mar 2022 | Mar 2021 | Mar 2019 | Mar 2018 | Mar 2017 | Dec 2015 | Dec 2014 | Dec 2013 | Jan 2013 | Jan 2012 | Jan 2011 | |
|---|---|---|---|---|---|---|---|---|---|---|---|---|---|
| Operating Activities | |||||||||||||
| Operating Profit | |||||||||||||
| Depreciation | |||||||||||||
| Amortisation | |||||||||||||
| Tax | |||||||||||||
| Stock | 35,180 | ||||||||||||
| Debtors | -711,493 | 711,493 | 1,084,455 | 2,215,727 | -1,699 | -2,115 | -28,708 | -28,708 | 32,522 | ||||
| Creditors | 79,408 | 791,344 | 1,691,234 | 1 | -4,903 | 2,502 | -27,576 | -27,576 | 29,991 | ||||
| Accruals and Deferred Income | -477,698 | 475,213 | 2,485 | ||||||||||
| Deferred Taxes & Provisions | |||||||||||||
| Cash flow from operations | |||||||||||||
| Investing Activities | |||||||||||||
| capital expenditure | |||||||||||||
| Change in Investments | -791,311 | 791,311 | |||||||||||
| cash flow from investments | |||||||||||||
| Financing Activities | |||||||||||||
| Bank loans | |||||||||||||
| Group/Directors Accounts | -316,097 | 316,097 | |||||||||||
| Other Short Term Loans | |||||||||||||
| Long term loans | |||||||||||||
| Hire Purchase and Lease Commitments | |||||||||||||
| other long term liabilities | 248,792 | 21,000 | 527,764 | ||||||||||
| share issue | |||||||||||||
| interest | |||||||||||||
| cash flow from financing | |||||||||||||
| cash and cash equivalents | |||||||||||||
| cash | 711,493 | -711,493 | 711,493 | -4,200 | 4,200 | -4,217 | 3,641 | -62,296 | -41,885 | 64,318 | |||
| overdraft | |||||||||||||
| change in cash | 711,493 | -711,493 | 711,493 | -4,200 | 4,200 | -4,217 | 3,641 | -62,296 | -41,885 | 64,318 |
gi credit ltd Credit Report and Business Information
Gi Credit Ltd Competitor Analysis
Perform a competitor analysis for gi credit ltd by selecting its closest rivals, whether from the ADMINISTRATIVE AND SUPPORT SERVICE ACTIVITIES sector, other small companies, companies in CF14 area or any other competitors across 12 key performance metrics.
gi credit ltd Ownership
GI CREDIT LTD group structure
Gi Credit Ltd has no subsidiary companies.
Ultimate parent company
2 parents
GI CREDIT LTD
07136055
gi credit ltd directors
Gi Credit Ltd currently has 2 directors. The longest serving directors include Mr Nicola Cupido (Nov 2020) and Mr Gianluigi Torzi (Aug 2023).
| officer | country | age | start | end | role |
|---|---|---|---|---|---|
| Mr Nicola Cupido | England | 50 years | Nov 2020 | - | Director |
| Mr Gianluigi Torzi | 46 years | Aug 2023 | - | Director |
P&L
March 2024turnover
4.3m
+58%
operating profit
-365.6k
0%
gross margin
17.2%
-1.77%
turnover
Turnover, or revenue, is the amount of sales generated by a company within the financial year.
Balance Sheet
March 2024net assets
655.4k
-0.33%
total assets
1.8m
0%
cash
711.5k
0%
net assets
Total assets minus all liabilities
gi credit ltd company details
company number
07136055
Type
Private limited with Share Capital
industry
82990 - Other business support service activities n.e.c.
incorporation date
January 2010
age
15
incorporated
UK
ultimate parent company
accounts
Unaudited Abridged
last accounts submitted
March 2024
previous names
j credit ltd (February 2021)
jci credit ltd (February 2021)
See moreaccountant
-
auditor
-
address
07136055 - ch default address, cardiff, CF14 8LH
Bank
-
Legal Advisor
-
gi credit ltd 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 did not find charges/mortgages relating to gi credit ltd.
gi credit ltd 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 GI CREDIT LTD. This can take several minutes, an email will notify you when this has completed.
gi credit ltd Companies House Filings - See Documents
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