refresh personal finance ltd
refresh personal finance ltd Company Information
Company Number
07369895
Registered Address
highdown house yeoman way, worthing, west sussex, BN99 3HH
Industry
Credit granting by non-deposit taking finance houses and other specialist consumer credit grantors
Telephone
01422242200
Next Accounts Due
September 2025
Group Structure
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Shareholders
paul woodworth 51%
zoe jackson 49%
refresh personal finance ltd Estimated Valuation
Pomanda estimates the enterprise value of REFRESH PERSONAL FINANCE LTD at £0 based on a Turnover of £0 and 1.14x industry multiple (adjusted for size and gross margin).
refresh personal finance ltd Estimated Valuation
Pomanda estimates the enterprise value of REFRESH PERSONAL FINANCE LTD at £0 based on an EBITDA of £0 and a 4.42x industry multiple (adjusted for size and gross margin).
refresh personal finance ltd Estimated Valuation
Pomanda estimates the enterprise value of REFRESH PERSONAL FINANCE LTD at £0 based on Net Assets of £0 and 1.98x industry multiple (adjusted for liquidity).
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Refresh Personal Finance Ltd Overview
Refresh Personal Finance Ltd is a live company located in west sussex, BN99 3HH with a Companies House number of 07369895. It operates in the credit granting by non-deposit taking finance houses and other specialist consumer credit grantors sector, SIC Code 64921. Founded in September 2010, it's largest shareholder is paul woodworth with a 51% stake. Refresh Personal Finance Ltd is a established, unknown sized company, Pomanda has estimated its turnover at £0 with unknown growth in recent years.
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Refresh Personal Finance Ltd Health Check
There is insufficient data available to calculate a health check for Refresh Personal Finance Ltd. Company Health Check FAQs
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0 Regular
0 Weak
Size
There is insufficient data available for this Key Performance Indicator!
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Growth
There is insufficient data available for this Key Performance Indicator!
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Production
There is insufficient data available for this Key Performance Indicator!
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Profitability
There is insufficient data available for this Key Performance Indicator!
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Employees
There is insufficient data available for this Key Performance Indicator!
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Pay Structure
There is insufficient data available for this Key Performance Indicator!
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Efficiency
There is insufficient data available for this Key Performance Indicator!
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Debtor Days
There is insufficient data available for this Key Performance Indicator!
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Creditor Days
There is insufficient data available for this Key Performance Indicator!
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Stock Days
There is insufficient data available for this Key Performance Indicator!
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Cash Balance
There is insufficient data available for this Key Performance Indicator!
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Debt Level
There is insufficient data available for this Key Performance Indicator!
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REFRESH PERSONAL FINANCE LTD financials
Refresh Personal Finance Ltd's latest turnover from December 2023 is estimated at 0 and the company has net assets of 0. According to their latest financial statements, we estimate that Refresh Personal Finance Ltd has no employees and maintains cash reserves of 0 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 | Sep 2016 | Sep 2015 | Sep 2014 | Sep 2013 | Sep 2012 | Sep 2011 | |
|---|---|---|---|---|---|---|---|---|---|---|---|---|---|
| Turnover | 53,000 | 95,000 | |||||||||||
| Other Income Or Grants | |||||||||||||
| Cost Of Sales | |||||||||||||
| Gross Profit | |||||||||||||
| Admin Expenses | |||||||||||||
| Operating Profit | |||||||||||||
| Interest Payable | 0 | ||||||||||||
| Interest Receivable | 0 | 0 | |||||||||||
| Pre-Tax Profit | 14,000 | 18,000 | |||||||||||
| Tax | -3,000 | -4,000 | |||||||||||
| Profit After Tax | 11,000 | 14,000 | |||||||||||
| Dividends Paid | 0 | 5,000 | |||||||||||
| Retained Profit | 11,000 | 9,000 | |||||||||||
| Employee Costs | 0 | 0 | 0 | 0 | |||||||||
| Number Of Employees | |||||||||||||
| EBITDA* |
* Earnings Before Interest, Tax, Depreciation and Amortisation
| Dec 2023 | Dec 2022 | Dec 2021 | Dec 2020 | Dec 2019 | Dec 2018 | Dec 2017 | Sep 2016 | Sep 2015 | Sep 2014 | Sep 2013 | Sep 2012 | Sep 2011 | |
|---|---|---|---|---|---|---|---|---|---|---|---|---|---|
| Tangible Assets | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 2,000 | 318 | 0 | 0 | 0 | 0 |
| Intangible Assets | 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 |
| Debtors (Due After 1 year) | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 |
| Total Fixed Assets | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 2,000 | 318 | 0 | 0 | 0 | 0 |
| Stock & work in progress | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 |
| Trade Debtors | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 4,000 | 9,347 | 4,243 | 0 | 0 | 0 |
| Group Debtors | 0 | 0 | 0 | 0 | 0 | 0 | 27,000 | 1,000 | 0 | 0 | 0 | 0 | 0 |
| Misc Debtors | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 |
| Cash | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 17,000 | 0 | 0 | 0 | 0 | 0 |
| misc current assets | 0 | 0 | 0 | 0 | 24,000 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 |
| total current assets | 0 | 0 | 0 | 0 | 24,000 | 0 | 27,000 | 22,000 | 9,347 | 4,243 | 0 | 0 | 0 |
| total assets | 0 | 0 | 0 | 0 | 24,000 | 0 | 27,000 | 24,000 | 9,665 | 4,243 | 0 | 0 | 0 |
| Bank overdraft | 0 | 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 |
| Trade Creditors | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 3,000 | 1,768 | 175 | 0 | 0 | 0 |
| Group/Directors Accounts | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 |
| other short term finances | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 4,000 | 0 | 0 | 0 | 0 | 0 |
| hp & lease commitments | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 |
| other current liabilities | 0 | 0 | 0 | 0 | 0 | 0 | 3,000 | 4,000 | 0 | 0 | 0 | 0 | 0 |
| total current liabilities | 0 | 0 | 0 | 0 | 0 | 0 | 3,000 | 11,000 | 1,768 | 175 | 0 | 0 | 0 |
| loans | 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 |
| Accruals and Deferred Income | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 |
| other liabilities | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 3,700 | 4,409 | 0 | 0 | 0 |
| provisions | 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 | 3,700 | 4,409 | 0 | 0 | 0 |
| total liabilities | 0 | 0 | 0 | 0 | 0 | 0 | 3,000 | 11,000 | 5,468 | 4,584 | 0 | 0 | 0 |
| net assets | 0 | 0 | 0 | 0 | 24,000 | 0 | 24,000 | 13,000 | 4,197 | -341 | 0 | 0 | 0 |
| total shareholders funds | 0 | 0 | 0 | 0 | 24,000 | 0 | 24,000 | 13,000 | 4,197 | -341 | 0 | 0 | 0 |
| Dec 2023 | Dec 2022 | Dec 2021 | Dec 2020 | Dec 2019 | Dec 2018 | Dec 2017 | Sep 2016 | Sep 2015 | Sep 2014 | Sep 2013 | Sep 2012 | Sep 2011 | |
|---|---|---|---|---|---|---|---|---|---|---|---|---|---|
| Operating Activities | |||||||||||||
| Operating Profit | |||||||||||||
| Depreciation | 0 | 0 | 0 | 0 | 0 | 2,000 | 1,000 | 0 | |||||
| Amortisation | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | |||||
| Tax | -3,000 | -4,000 | |||||||||||
| Stock | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 |
| Debtors | 0 | 0 | 0 | 0 | 0 | -27,000 | 22,000 | -4,347 | 5,104 | 4,243 | 0 | 0 | 0 |
| Creditors | 0 | 0 | 0 | 0 | 0 | 0 | -3,000 | 1,232 | 1,593 | 175 | 0 | 0 | 0 |
| Accruals and Deferred Income | 0 | 0 | 0 | 0 | 0 | -3,000 | -1,000 | 4,000 | 0 | 0 | 0 | 0 | 0 |
| Deferred Taxes & Provisions | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 |
| Cash flow from operations | |||||||||||||
| Investing Activities | |||||||||||||
| capital expenditure | |||||||||||||
| Change in Investments | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 |
| cash flow from investments | |||||||||||||
| Financing Activities | |||||||||||||
| Bank loans | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 |
| Group/Directors Accounts | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 |
| Other Short Term Loans | 0 | 0 | 0 | 0 | 0 | 0 | -4,000 | 4,000 | 0 | 0 | 0 | 0 | 0 |
| Long term loans | 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 |
| other long term liabilities | 0 | 0 | 0 | 0 | 0 | 0 | 0 | -3,700 | -709 | 4,409 | 0 | 0 | 0 |
| share issue | |||||||||||||
| interest | 0 | ||||||||||||
| cash flow from financing | -4,000 | ||||||||||||
| cash and cash equivalents | |||||||||||||
| cash | 0 | 0 | 0 | 0 | 0 | 0 | -17,000 | 17,000 | 0 | 0 | 0 | 0 | 0 |
| overdraft | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 |
| change in cash | 0 | 0 | 0 | 0 | 0 | 0 | -17,000 | 17,000 | 0 | 0 | 0 | 0 | 0 |
refresh personal finance ltd Credit Report and Business Information
Refresh Personal Finance Ltd Competitor Analysis
Perform a competitor analysis for refresh personal finance ltd by selecting its closest rivals and benchmarking them against 12 key performance metrics.
refresh personal finance ltd Ownership
REFRESH PERSONAL FINANCE LTD group structure
Refresh Personal Finance Ltd has no subsidiary companies.
Ultimate parent company
2 parents
REFRESH PERSONAL FINANCE LTD
07369895
refresh personal finance ltd directors
Refresh Personal Finance Ltd currently has 2 directors. The longest serving directors include Mr John Pitcher (Dec 2021) and Mr Richard Carter (Jul 2023).
| officer | country | age | start | end | role |
|---|---|---|---|---|---|
| Mr John Pitcher | 41 years | Dec 2021 | - | Director | |
| Mr Richard Carter | United Kingdom | 56 years | Jul 2023 | - | Director |
P&L
December 2023turnover
0
0%
operating profit
0
0%
gross margin
0%
0%
turnover
Turnover, or revenue, is the amount of sales generated by a company within the financial year.
Balance Sheet
December 2023net assets
0
0%
total assets
0
0%
cash
0
0%
net assets
Total assets minus all liabilities
Similar Companies
refresh personal finance ltd company details
company number
07369895
Type
Private limited with Share Capital
industry
64921 - Credit granting by non-deposit taking finance houses and other specialist consumer credit grantors
incorporation date
September 2010
age
14
accounts
Dormant
ultimate parent company
previous names
N/A
incorporated
UK
address
highdown house yeoman way, worthing, west sussex, BN99 3HH
last accounts submitted
December 2023
refresh personal finance 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 refresh personal finance ltd.
refresh personal finance ltd Companies House Filings - See Documents
| date | description | view/download |
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