Bfs Home Loans Limited

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bfs home loans limited Company Information

Live

EstablishedLargeHealthy

Company Number

07571714

Website

http://bridgingfinance.co.uk

Registered Address

the cottages, 86-88 wallasey road, wallasey, wirral, CH44 2AE

Industry

Other financial service activities, except insurance and pension funding, (not including security dealing on own account and factoring) n.e.c.

Telephone

01516397554

Next Accounts Due

September 2025

Group Structure

View All

Directors

Steven Barber13 Years

Shareholders

bridging finance solutions group ltd 100%

bfs home loans limited Estimated Valuation

£233m

Pomanda estimates the enterprise value of BFS HOME LOANS LIMITED at £233m based on a Turnover of £72.7m and 3.21x industry multiple (adjusted for size and gross margin).

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Bfs Home Loans Limited is a live company located in wallasey, CH44 2AE with a Companies House number of 07571714. It operates in the financial intermediation not elsewhere classified sector, SIC Code 64999. Founded in March 2011, it's largest shareholder is bridging finance solutions group ltd with a 100% stake. Bfs Home Loans Limited is a established, large sized company, Pomanda has estimated its turnover at £72.7m with healthy growth in recent years.

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Pomanda's financial health check has awarded Bfs Home Loans Limited a 3 rating. We use a traffic light system to show it exceeds the industry average on 3 measures and has 6 areas for improvement. Company Health Check FAQs

Health Rating3out of 5

3 Strong

2 Regular

6 Weak

Size

annual sales of £72.7m, make it larger than the average company (£5.5m)

Growth

3 year (CAGR) sales growth of 11%, show it is growing at a faster rate (4.8%)

EXPORT

Bfs Home Loans Limited's latest turnover from December 2023 is estimated at £72.7 million and the company has net assets of £4.2 million. According to their latest financial statements, Bfs Home Loans Limited has 1 employee and maintains cash reserves of £1.2 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
Turnover	72,657,204	57,476,402	44,817,021	53,600,262	54,297,338	63,391,995	38,530,368	7,375,761	5,774,608	9,059,294	6,962,851	1,744,461	37,439
Other Income Or Grants	0	0	0	0	0	0	0	0	0	0	0	0	0
Cost Of Sales	31,276,662	22,354,791	16,840,507	20,232,179	19,362,100	22,636,762	13,904,787	2,699,091	2,036,858	3,433,502	2,697,095	726,001	16,338
Gross Profit	41,380,543	35,121,611	27,976,514	33,368,083	34,935,239	40,755,232	24,625,581	4,676,670	3,737,750	5,625,792	4,265,757	1,018,459	21,101
Admin Expenses	40,470,258	33,963,468	27,107,319	32,727,068	34,414,640	40,371,313	24,394,014	4,578,602	3,598,650	5,513,938	4,180,748	1,015,287	21,101
Operating Profit	910,285	1,158,143	869,195	641,015	520,599	383,919	231,567	98,068	139,100	111,854	85,009	3,172	0
Interest Payable	0	0	0	0	0	0	0	0	0	0	0	0	0
Interest Receivable	67,743	40,336	1,980	600	2,086	1,187	1,210	668	838	394	97	0	0
Pre-Tax Profit	978,028	1,198,479	871,175	641,615	522,685	385,106	232,778	98,736	139,938	112,248	85,106	3,172	0
Tax	-244,507	-227,711	-165,523	-121,907	-99,310	-73,170	-44,228	-19,747	-27,987	-23,572	-19,574	-761	0
Profit After Tax	733,521	970,768	705,652	519,708	423,375	311,936	188,550	78,989	111,950	88,676	65,532	2,411	0
Dividends Paid	0	0	0	0	0	0	0	0	0	0	0	0	0
Retained Profit	733,521	970,768	705,652	519,708	423,375	311,936	188,550	78,989	111,950	88,676	65,532	2,411	0
Employee Costs	82,915	78,952	76,865	18,931,273	18,759,567	21,407,381	12,881,297	67,196	63,702	2,818,775	2,256,995	540,261	60,346
Number Of Employees	1	1	1	251	254	296	186	1	1	46	36	9	1
EBITDA*	910,285	1,158,143	869,195	641,015	523,224	387,419	235,067	98,943	139,100	111,854	85,009	3,172	0

* 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
Tangible Assets	0	0	0	0	0	0	0	0	0	0	0	0	0
Intangible Assets	0	0	0	0	0	2,625	6,125	9,625	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	2,625	6,125	9,625	0	0	0	0	0
Stock & work in progress	0	0	0	0	0	0	0	0	0	0	0	0	0
Trade Debtors	16,052,700	12,270,571	9,890,490	6,633,698	7,052,874	6,571,632	5,509,252	1,998,408	1,390,293	1,254,582	985,963	236,447	5,100
Group Debtors	1,612,604	481,604	667,387	161,264	16,204	23,104	21,104	0	0	0	0	0	0
Misc Debtors	318,389	138,123	95,000	99,123	3,000	95,000	0	0	24,693	0	0	0	0
Cash	1,194,214	1,515,510	789,405	794,478	405,962	150,335	166,204	317,975	216,454	118,711	38,771	53	0
misc current assets	0	0	0	0	0	0	0	0	0	0	0	0	0
total current assets	19,177,907	14,405,808	11,442,282	7,688,563	7,478,040	6,840,071	5,696,560	2,316,383	1,631,440	1,373,293	1,024,734	236,500	5,100
total assets	19,177,907	14,405,808	11,442,282	7,688,563	7,478,040	6,842,696	5,702,685	2,326,008	1,631,440	1,373,293	1,024,734	236,500	5,100
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	11,770	16,820	11,350	15,056	17,085	0	18,220	16,072	0	1,216,574	956,691	233,989	5,000
Group/Directors Accounts	99,159	73,109	72,910	52,241	48,021	59,014	30,028	14,708	31,016	0	0	0	0
other short term finances	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
other current liabilities	14,865,810	10,848,232	8,861,143	5,830,039	6,141,415	5,935,065	5,117,126	1,945,994	1,331,755	0	0	0	0
total current liabilities	14,976,739	10,938,161	8,945,403	5,897,336	6,206,521	5,994,079	5,165,374	1,976,774	1,362,771	1,216,574	956,691	233,989	5,000
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	0	0	0	0	0
provisions	0	0	0	0	0	473	1,103	1,576	0	0	0	0	0
total long term liabilities	0	0	0	0	0	473	1,103	1,576	0	0	0	0	0
total liabilities	14,976,739	10,938,161	8,945,403	5,897,336	6,206,521	5,994,552	5,166,477	1,978,350	1,362,771	1,216,574	956,691	233,989	5,000
net assets	4,201,168	3,467,647	2,496,879	1,791,227	1,271,519	848,144	536,208	347,658	268,669	156,719	68,043	2,511	100
total shareholders funds	4,201,168	3,467,647	2,496,879	1,791,227	1,271,519	848,144	536,208	347,658	268,669	156,719	68,043	2,511	100

	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
Operating Activities
Operating Profit	910,285	1,158,143	869,195	641,015	520,599	383,919	231,567	98,068	139,100	111,854	85,009	3,172	0
Depreciation	0	0	0	0	0	0	0	0	0	0	0	0	0
Amortisation	0	0	0	0	2,625	3,500	3,500	875	0	0	0	0	0
Tax	-244,507	-227,711	-165,523	-121,907	-99,310	-73,170	-44,228	-19,747	-27,987	-23,572	-19,574	-761	0
Stock	0	0	0	0	0	0	0	0	0	0	0	0	0
Debtors	5,093,395	2,237,421	3,758,792	-177,993	382,342	1,159,380	3,531,948	583,422	160,404	268,619	749,516	231,347	5,100
Creditors	-5,050	5,470	-3,706	-2,029	17,085	-18,220	2,148	16,072	-1,216,574	259,883	722,702	228,989	5,000
Accruals and Deferred Income	4,017,578	1,987,089	3,031,104	-311,376	206,350	817,939	3,171,132	614,239	1,331,755	0	0	0	0
Deferred Taxes & Provisions	0	0	0	0	-473	-630	-473	1,576	0	0	0	0	0
Cash flow from operations	-415,089	685,570	-27,722	383,696	264,534	-46,042	-168,302	127,661	65,890	79,546	38,621	53	-100
Investing Activities
capital expenditure	0	0	0	0	0	0	0	-10,500	0	0	0	0	0
Change in Investments	0	0	0	0	0	0	0	0	0	0	0	0	0
cash flow from investments	0	0	0	0	0	0	0	-10,500	0	0	0	0	0
Financing Activities
Bank loans	0	0	0	0	0	0	0	0	0	0	0	0	0
Group/Directors Accounts	26,050	199	20,669	4,220	-10,993	28,986	15,320	-16,308	31,016	0	0	0	0
Other Short Term Loans	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
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	0	0	0	0	0	0
share issue	0	0	0	0	0	0	0	0	0	0	0	0	100
interest	67,743	40,336	1,980	600	2,086	1,187	1,210	668	838	394	97	0	0
cash flow from financing	93,793	40,535	22,649	4,820	-8,907	30,173	16,530	-15,640	31,854	394	97	0	100
cash and cash equivalents
cash	-321,296	726,105	-5,073	388,516	255,627	-15,869	-151,771	101,521	97,743	79,940	38,718	53	0
overdraft	0	0	0	0	0	0	0	0	0	0	0	0	0
change in cash	-321,296	726,105	-5,073	388,516	255,627	-15,869	-151,771	101,521	97,743	79,940	38,718	53	0

Very Low Risk70 - 100

Low Risk50 - 70

Moderate Risk30 - 50

High Risk20 - 30

Very High Risk0 - 20

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BFS HOME LOANS LIMITED group structure

Bfs Home Loans Limited has no subsidiary companies.

Ultimate parent company

BRIDGING FINANCE SOLUTIONS GROUP LIMITED

05684772

1 parent

BFS HOME LOANS LIMITED

07571714

BFS HOME LOANS LIMITED Shareholders

bridging finance solutions group ltd

100%

Bfs Home Loans Limited currently has 1 director, Mr Steven Barber serving since Mar 2011.

officer	country	age	start	end	role
Mr Steven Barber	England	52 years	Mar 2011	-	Director

P&L

December 2023

turnover

72.7m

+26%

operating profit

910.3k

gross margin

57%

-6.8%

turnover

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

Balance Sheet

December 2023

net assets

4.2m

+0.21%

total assets

19.2m

+0.33%

cash

1.2m

-0.21%

net assets

Total assets minus all liabilities

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company number

07571714

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

March 2011

accounts

Small Company

ultimate parent company

BRIDGING FINANCE SOLUTIONS GROUP LIMITED

previous names

N/A

last accounts submitted

December 2023

address

the cottages, 86-88 wallasey road, wallasey, wirral, CH44 2AE

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 bfs home loans limited.

bfs home loans limited Company Information

bfs home loans limited Estimated Valuation

bfs home loans limited Estimated Valuation

bfs home loans limited Estimated Valuation

Bfs Home Loans Limited Overview

Bfs Home Loans Limited Health Check

BFS HOME LOANS LIMITED financials

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