stone road commercial finance limited
stone road commercial finance limited Company Information
Company Number
07391220
Website
www.thedpcgroup.co.ukRegistered Address
stone house, stone road business park, stoke-on-trent, ST4 6SR
Industry
Other financial service activities, except insurance and pension funding, (not including security dealing on own account and factoring) n.e.c.
Telephone
441782744144
Next Accounts Due
January 2026
Group Structure
View All
Shareholders
bamber investments limited 50%
the dpc group limited 50%
stone road commercial finance limited Estimated Valuation
Pomanda estimates the enterprise value of STONE ROAD COMMERCIAL FINANCE LIMITED at £648k based on a Turnover of £462.3k and 1.4x industry multiple (adjusted for size and gross margin).
stone road commercial finance limited Estimated Valuation
Pomanda estimates the enterprise value of STONE ROAD COMMERCIAL FINANCE LIMITED at £7.9k based on an EBITDA of £1.4k and a 5.53x industry multiple (adjusted for size and gross margin).
stone road commercial finance limited Estimated Valuation
Pomanda estimates the enterprise value of STONE ROAD COMMERCIAL FINANCE LIMITED at £2.4k based on Net Assets of £3.6k and 0.68x industry multiple (adjusted for liquidity).
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Stone Road Commercial Finance Limited Overview
Stone Road Commercial Finance Limited is a live company located in stoke-on-trent, ST4 6SR with a Companies House number of 07391220. It operates in the financial intermediation not elsewhere classified sector, SIC Code 64999. Founded in September 2010, it's largest shareholder is bamber investments limited with a 50% stake. Stone Road Commercial Finance Limited is a established, micro sized company, Pomanda has estimated its turnover at £462.3k with healthy growth in recent years.
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Stone Road Commercial Finance Limited Health Check
Pomanda's financial health check has awarded Stone Road Commercial Finance Limited a 3.5 rating. We use a traffic light system to show it exceeds the industry average on 2 measures and has 3 areas for improvement. Company Health Check FAQs
2 Strong
4 Regular
3 Weak
Size
annual sales of £462.3k, make it smaller than the average company (£5.4m)
- Stone Road Commercial Finance Limited
£5.4m - Industry AVG
Growth
3 year (CAGR) sales growth of 8%, show it is growing at a similar rate (6.6%)
- Stone Road Commercial Finance Limited
6.6% - Industry AVG
Production
with a gross margin of 54%, this company has a comparable cost of product (54%)
- Stone Road Commercial Finance Limited
54% - Industry AVG
Profitability
an operating margin of 0.3% make it less profitable than the average company (9.1%)
- Stone Road Commercial Finance Limited
9.1% - Industry AVG
Employees
with 2 employees, this is below the industry average (13)
2 - Stone Road Commercial Finance Limited
13 - Industry AVG
Pay Structure
on an average salary of £81.9k, the company has an equivalent pay structure (£81.9k)
- Stone Road Commercial Finance Limited
£81.9k - Industry AVG
Efficiency
resulting in sales per employee of £231.1k, this is equally as efficient (£231.1k)
- Stone Road Commercial Finance Limited
£231.1k - Industry AVG
Debtor Days
There is insufficient data available for this Key Performance Indicator!
- Stone Road Commercial Finance Limited
- - Industry AVG
Creditor Days
There is insufficient data available for this Key Performance Indicator!
- Stone Road Commercial Finance Limited
- - Industry AVG
Stock Days
There is insufficient data available for this Key Performance Indicator!
- Stone Road Commercial Finance Limited
- - Industry AVG
Cash Balance
has cash to cover current liabilities for 274 weeks, this is more cash available to meet short term requirements (38 weeks)
274 weeks - Stone Road Commercial Finance Limited
38 weeks - Industry AVG
Debt Level
it has a ratio of liabilities to total assets of 18.9%, this is a lower level of debt than the average (57.8%)
18.9% - Stone Road Commercial Finance Limited
57.8% - Industry AVG
STONE ROAD COMMERCIAL FINANCE LIMITED financials
Stone Road Commercial Finance Limited's latest turnover from April 2024 is estimated at £462.3 thousand and the company has net assets of £3.6 thousand. According to their latest financial statements, Stone Road Commercial Finance Limited has 2 employees and maintains cash reserves of £4.5 thousand as reported in the balance sheet.
Data source: Companies House, Pomanda Estimates
| Apr 2024 | Apr 2023 | Apr 2022 | Apr 2021 | Apr 2020 | Apr 2019 | Apr 2018 | Apr 2017 | Apr 2016 | Apr 2015 | Apr 2014 | Apr 2013 | Apr 2012 | Apr 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 | 2 | 2 | 2 | 2 | 2 | |||||||||
| EBITDA* |
* Earnings Before Interest, Tax, Depreciation and Amortisation
| Apr 2024 | Apr 2023 | Apr 2022 | Apr 2021 | Apr 2020 | Apr 2019 | Apr 2018 | Apr 2017 | Apr 2016 | Apr 2015 | Apr 2014 | Apr 2013 | Apr 2012 | Apr 2011 | |
|---|---|---|---|---|---|---|---|---|---|---|---|---|---|---|
| Tangible Assets | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 |
| Intangible Assets | 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 |
| Debtors (Due After 1 year) | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 |
| Total Fixed Assets | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 |
| Stock & work in progress | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 |
| Trade Debtors | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 2 | 2 | 2 | 2 | 2 |
| Group Debtors | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 2 | 0 | 0 | 0 | 0 | 0 |
| Misc Debtors | 2 | 2 | 887 | 2 | 2 | 2 | 2 | 2 | 0 | 0 | 0 | 0 | 0 | 0 |
| Cash | 4,469 | 3,250 | 3,847 | 12,219 | 2,639 | 2,809 | 2,896 | 5,861 | 13,907 | 5,007 | 2,465 | 1,158 | 1,037 | 2,390 |
| misc current assets | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 |
| total current assets | 4,471 | 3,252 | 4,734 | 12,221 | 2,641 | 2,811 | 2,898 | 5,863 | 13,909 | 5,009 | 2,467 | 1,160 | 1,039 | 2,392 |
| total assets | 4,471 | 3,252 | 4,734 | 12,221 | 2,641 | 2,811 | 2,898 | 5,863 | 13,909 | 5,009 | 2,467 | 1,160 | 1,039 | 2,392 |
| Bank overdraft | 0 | 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 | 0 |
| Trade Creditors | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 999 | 1,414 | 1,149 | 1,023 | 496 |
| Group/Directors Accounts | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 739 | 0 | 0 | 0 | 0 | 0 |
| other short term finances | 0 | 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 | 0 |
| other current liabilities | 847 | 839 | 897 | 2,706 | 886 | 831 | 861 | 2,494 | 1,832 | 0 | 0 | 0 | 0 | 0 |
| total current liabilities | 847 | 839 | 897 | 2,706 | 886 | 831 | 861 | 2,494 | 2,571 | 999 | 1,414 | 1,149 | 1,023 | 496 |
| loans | 0 | 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 | 0 |
| Accruals and Deferred Income | 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 | 0 |
| provisions | 0 | 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 | 0 | 0 | 0 | 0 | 0 | 0 |
| total liabilities | 847 | 839 | 897 | 2,706 | 886 | 831 | 861 | 2,494 | 2,571 | 999 | 1,414 | 1,149 | 1,023 | 496 |
| net assets | 3,624 | 2,413 | 3,837 | 9,515 | 1,755 | 1,980 | 2,037 | 3,369 | 11,338 | 4,010 | 1,053 | 11 | 16 | 1,896 |
| total shareholders funds | 3,624 | 2,413 | 3,837 | 9,515 | 1,755 | 1,980 | 2,037 | 3,369 | 11,338 | 4,010 | 1,053 | 11 | 16 | 1,896 |
| Apr 2024 | Apr 2023 | Apr 2022 | Apr 2021 | Apr 2020 | Apr 2019 | Apr 2018 | Apr 2017 | Apr 2016 | Apr 2015 | Apr 2014 | Apr 2013 | Apr 2012 | Apr 2011 | |
|---|---|---|---|---|---|---|---|---|---|---|---|---|---|---|
| Operating Activities | ||||||||||||||
| Operating Profit | ||||||||||||||
| Depreciation | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 |
| Amortisation | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 |
| Tax | ||||||||||||||
| Stock | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 |
| Debtors | 0 | -885 | 885 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 2 |
| Creditors | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | -999 | -415 | 265 | 126 | 527 | 496 |
| Accruals and Deferred Income | 8 | -58 | -1,809 | 1,820 | 55 | -30 | -1,633 | 662 | 1,832 | 0 | 0 | 0 | 0 | 0 |
| Deferred Taxes & Provisions | 0 | 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 | 0 |
| cash flow from investments | ||||||||||||||
| Financing Activities | ||||||||||||||
| Bank loans | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 |
| Group/Directors Accounts | 0 | 0 | 0 | 0 | 0 | 0 | 0 | -739 | 739 | 0 | 0 | 0 | 0 | 0 |
| Other Short Term Loans | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 |
| Long term loans | 0 | 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 | 0 |
| other long term liabilities | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 |
| share issue | ||||||||||||||
| interest | ||||||||||||||
| cash flow from financing | ||||||||||||||
| cash and cash equivalents | ||||||||||||||
| cash | 1,219 | -597 | -8,372 | 9,580 | -170 | -87 | -2,965 | -8,046 | 8,900 | 2,542 | 1,307 | 121 | -1,353 | 2,390 |
| overdraft | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 |
| change in cash | 1,219 | -597 | -8,372 | 9,580 | -170 | -87 | -2,965 | -8,046 | 8,900 | 2,542 | 1,307 | 121 | -1,353 | 2,390 |
stone road commercial finance limited Credit Report and Business Information
Stone Road Commercial Finance Limited Competitor Analysis
Perform a competitor analysis for stone road commercial finance limited by selecting its closest rivals, whether from the FINANCIAL AND INSURANCE ACTIVITIES sector, other micro companies, companies in ST4 area or any other competitors across 12 key performance metrics.
stone road commercial finance limited Ownership
STONE ROAD COMMERCIAL FINANCE LIMITED group structure
Stone Road Commercial Finance Limited has no subsidiary companies.
Ultimate parent company
STONE ROAD COMMERCIAL FINANCE LIMITED
07391220
stone road commercial finance limited directors
Stone Road Commercial Finance Limited currently has 2 directors. The longest serving directors include Mr Timothy Bamber (Oct 2010) and Mr Simon Owen (Oct 2023).
| officer | country | age | start | end | role |
|---|---|---|---|---|---|
| Mr Timothy Bamber | England | 62 years | Oct 2010 | - | Director |
| Mr Simon Owen | England | 54 years | Oct 2023 | - | Director |
P&L
April 2024turnover
462.3k
+12%
operating profit
1.4k
0%
gross margin
54%
-9.61%
turnover
Turnover, or revenue, is the amount of sales generated by a company within the financial year.
Balance Sheet
April 2024net assets
3.6k
+0.5%
total assets
4.5k
+0.37%
cash
4.5k
+0.38%
net assets
Total assets minus all liabilities
stone road commercial finance limited company details
company number
07391220
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
September 2010
age
14
incorporated
UK
accounts
Total Exemption Full
ultimate parent company
previous names
dpc commercial finance limited (August 2024)
last accounts submitted
April 2024
address
stone house, stone road business park, stoke-on-trent, ST4 6SR
accountant
-
auditor
-
stone road commercial finance 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 did not find charges/mortgages relating to stone road commercial finance limited.
stone road commercial finance limited Companies House Filings - See Documents
| date | description | view/download |
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