Hfsi Limited

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hfsi limited Company Information

Company Number

07235550

Next Accounts

Aug 2025

Directors

Hayden Smith

Doretta Smith

Shareholders

trustees of the trad scaffolding co limited (h f smith) furbs

trustees of the trad scaffolding co limited (d m smith) furbs

Group Structure

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Industry

Credit granting by non-deposit taking finance houses and other specialist consumer credit grantors

Registered Address

haslers old station road, loughton, essex, IG10 4PL

Website

trad.co.uk

hfsi limited Estimated Valuation

£6.8m

Pomanda estimates the enterprise value of HFSI LIMITED at £6.8m based on a Turnover of £8.9m and 0.76x industry multiple (adjusted for size and gross margin).

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Hfsi Limited is a live company located in essex, IG10 4PL with a Companies House number of 07235550. It operates in the credit granting by non-deposit taking finance houses and other specialist consumer credit grantors sector, SIC Code 64921. Founded in April 2010, it's largest shareholder is trustees of the trad scaffolding co limited (h f smith) furbs with a 72.8% stake. Hfsi Limited is a established, mid sized company, Pomanda has estimated its turnover at £8.9m with high growth in recent years.

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Pomanda's financial health check has awarded Hfsi Limited a 3 rating. We use a traffic light system to show it exceeds the industry average on 3 measures and has 4 areas for improvement. Company Health Check FAQs

Health Rating3out of 5

3 Strong

1 Regular

4 Weak

Size

annual sales of £8.9m, make it smaller than the average company (£13.6m)

Growth

3 year (CAGR) sales growth of 22%, show it is growing at a faster rate (8.4%)

EXPORT

Hfsi Limited's latest turnover from November 2023 is estimated at £8.9 million and the company has net assets of £360.5 thousand. According to their latest financial statements, we estimate that Hfsi Limited has 7 employees and maintains cash reserves of 0 as reported in the balance sheet.

Data source: Companies House, Pomanda Estimates

	Nov 2023	Nov 2022	Nov 2021	Nov 2020	Nov 2019	Nov 2018	Nov 2017	Nov 2016	Nov 2015	Nov 2014	Nov 2013	Nov 2012	Nov 2011	Nov 2010
Turnover	8,937,166	4,604,642	5,128,842	4,875,905	4,641,091	2,821,904	3,500,864	3,118,625	1,789,991	1,427,225	2,713,790	1,266,036	1,743,416	1,983,863
Other Income Or Grants
Cost Of Sales	8,476,536	4,308,010	4,832,529	4,567,556	4,392,211	2,517,971	3,009,168	1,735,753	934,470	952,253	1,888,567	798,768	1,071,705	1,395,395
Gross Profit	460,630	296,632	296,313	308,349	248,880	303,934	491,696	1,382,872	855,520	474,972	825,223	467,268	671,712	588,468
Admin Expenses	460,630	296,632	296,313	308,349	244,276	305,670	495,871	1,387,057	866,135	476,147	715,645	321,104	534,486	541,399
Operating Profit					4,604	-1,736	-4,175	-4,185	-10,615	-1,175	109,578	146,164	137,226	47,069
Interest Payable
Interest Receivable							2,402	5,090	17,616	19,573	9,940	642	470	34
Pre-Tax Profit					4,604	-1,736	-1,773	905	7,001	18,399	119,518	146,805	137,696	47,103
Tax					-875			-181	-1,400	-3,864	-27,489	-35,233	-35,801	-13,189
Profit After Tax					3,729	-1,736	-1,773	724	5,601	14,535	92,029	111,572	101,895	33,914
Dividends Paid
Retained Profit					3,729	-1,736	-1,773	724	5,601	14,535	92,029	111,572	101,895	33,914
Employee Costs			345,255	385,957			439,285	417,206	188,617	144,648	192,434	74,554	157,706	193,231
Number Of Employees	7	5	6	7	9	6	9	10	5	4	5	2	4	5
EBITDA*					4,604	-1,736	-4,175	-4,185	-10,615	-1,175	109,578	146,164	137,226	47,069

* Earnings Before Interest, Tax, Depreciation and Amortisation

	Nov 2023	Nov 2022	Nov 2021	Nov 2020	Nov 2019	Nov 2018	Nov 2017	Nov 2016	Nov 2015	Nov 2014	Nov 2013	Nov 2012	Nov 2011	Nov 2010
Tangible Assets
Intangible Assets
Investments & Other
Debtors (Due After 1 year)
Total Fixed Assets
Stock & work in progress
Trade Debtors	5,125,547	5,125,547	5,125,547	5,125,547	5,125,638	5,260,638	5,262,274	4,303,877	2,256,644	1,700,897	1,716,429	2,696,058	2,696,473	2,886,422
Group Debtors
Misc Debtors
Cash								960,630	3,111,191	3,935,283	3,894,065	82,108	174,504	13,467
misc current assets
total current assets	5,125,547	5,125,547	5,125,547	5,125,547	5,125,638	5,260,638	5,262,274	5,264,507	5,367,835	5,636,180	5,610,494	2,778,166	2,870,977	2,899,889
total assets	5,125,547	5,125,547	5,125,547	5,125,547	5,125,638	5,260,638	5,262,274	5,264,507	5,367,835	5,636,180	5,610,494	2,778,166	2,870,977	2,899,889
Bank overdraft
Bank loan
Trade Creditors	4,765,057	4,765,057	4,765,057	4,765,057	4,765,148	4,903,877	4,903,777	4,903,906	5,007,958	5,281,904	5,270,753	2,530,454	2,734,837	2,865,644
Group/Directors Accounts
other short term finances
hp & lease commitments
other current liabilities
total current liabilities	4,765,057	4,765,057	4,765,057	4,765,057	4,765,148	4,903,877	4,903,777	4,903,906	5,007,958	5,281,904	5,270,753	2,530,454	2,734,837	2,865,644
loans
hp & lease commitments
Accruals and Deferred Income
other liabilities
provisions
total long term liabilities
total liabilities	4,765,057	4,765,057	4,765,057	4,765,057	4,765,148	4,903,877	4,903,777	4,903,906	5,007,958	5,281,904	5,270,753	2,530,454	2,734,837	2,865,644
net assets	360,490	360,490	360,490	360,490	360,490	356,761	358,497	360,601	359,877	354,276	339,741	247,712	136,140	34,245
total shareholders funds	360,490	360,490	360,490	360,490	360,490	356,761	358,497	360,601	359,877	354,276	339,741	247,712	136,140	34,245

	Nov 2020	Nov 2019	Nov 2018	Nov 2017	Nov 2016	Nov 2015	Nov 2014	Nov 2013	Nov 2012	Nov 2011	Nov 2010
Operating Activities
Operating Profit		4,604	-1,736	-4,175	-4,185	-10,615	-1,175	109,578	146,164	137,226	47,069
Depreciation
Amortisation
Tax		-875			-181	-1,400	-3,864	-27,489	-35,233	-35,801	-13,189
Stock
Debtors	-91	-135,000	-1,636	958,397	2,047,233	555,747	-15,532	-979,629	-415	-189,949	2,886,422
Creditors	-91	-138,729	100	-129	-104,052	-273,946	11,151	2,740,299	-204,383	-130,807	2,865,644
Accruals and Deferred Income
Deferred Taxes & Provisions
Cash flow from operations				-962,701	-2,155,651	-841,708	21,644	3,802,017	-93,037	160,567	13,102
Investing Activities
capital expenditure
Change in Investments
cash flow from investments
Financing Activities
Bank loans
Group/Directors Accounts
Other Short Term Loans
Long term loans
Hire Purchase and Lease Commitments
other long term liabilities
share issue				-331							331
interest				2,402	5,090	17,616	19,573	9,940	642	470	34
cash flow from financing				2,071	5,090	17,616	19,573	9,940	642	470	365
cash and cash equivalents
cash				-960,630	-2,150,561	-824,092	41,218	3,811,957	-92,396	161,037	13,467
overdraft
change in cash				-960,630	-2,150,561	-824,092	41,218	3,811,957	-92,396	161,037	13,467

Very Low Risk70 - 100

Low Risk50 - 70

Moderate Risk30 - 50

High Risk20 - 30

Very High Risk0 - 20

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HFSI LIMITED group structure

Hfsi Limited has no subsidiary companies.

Ultimate parent company

HFSI LIMITED

07235550

HFSI LIMITED Shareholders

trustees of the trad scaffolding co limited (h f smith) furbs	72.81%
trustees of the trad scaffolding co limited (d m smith) furbs	27.19%

Hfsi Limited currently has 2 directors. The longest serving directors include Mr Hayden Smith (Apr 2010) and Mrs Doretta Smith (Apr 2010).

officer	country	age	start	end	role
Mr Hayden Smith	United Kingdom	85 years	Apr 2010	-	Director
Mrs Doretta Smith		81 years	Apr 2010	-	Director

P&L

November 2023

turnover

8.9m

+94%

operating profit

gross margin

5.2%

-19.99%

turnover

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

Balance Sheet

November 2023

net assets

360.5k

total assets

5.1m

cash

net assets

Total assets minus all liabilities

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company number

07235550

Type

Private limited with Share Capital

industry

64921 - Credit granting by non-deposit taking finance houses and other specialist consumer credit grantors

incorporation date

April 2010

ultimate parent company

None

previous names

N/A

address

haslers old station road, loughton, essex, IG10 4PL

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 hfsi limited.

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.

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hfsi limited Company Information

hfsi limited Estimated Valuation

hfsi limited Estimated Valuation

hfsi limited Estimated Valuation

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HFSI LIMITED financials

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