Other credit granting (not including credit granting by non-deposit taking finance houses and other specialist consumer credit grantors and activities of mortgage finance companies) n.e.c.
Registered Address
8 wilkinson court, wilkinson business park, wrexham, clwyd, LL13 9AE
Pomanda estimates the enterprise value of AFFINITURE CARDS LIMITED at £5.4m based on a Turnover of £4.1m and 1.33x industry multiple (adjusted for size and gross margin).
affiniture cards limitedEstimated Valuation
£361.2k
Pomanda estimates the enterprise value of AFFINITURE CARDS LIMITED at £361.2k based on an EBITDA of £74.5k and a 4.85x industry multiple (adjusted for size and gross margin).
affiniture cards limitedEstimated Valuation
£558.1k
Pomanda estimates the enterprise value of AFFINITURE CARDS LIMITED at £558.1k based on Net Assets of £295.3k and 1.89x industry multiple (adjusted for liquidity).
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Affiniture Cards LimitedOverview
Affiniture Cards Limited is a live company located in wrexham, LL13 9AE with a Companies House number of 07885531. It operates in the other credit granting n.e.c. sector, SIC Code 64929. Founded in December 2011, it's largest shareholder is
affiniture group limited
with a 100% stake. Affiniture Cards Limited is a established,
small sized company, Pomanda has estimated its turnover at
£4.1m with
declining
growth in recent years.
Pomanda's financial health check has awarded Affiniture Cards Limited a 3 rating. We use a traffic light system to show it exceeds the industry average on 1 measures and has 4 areas for improvement. Company Health Check FAQs
Health Rating3out of 5
1 Strong
6 Regular
4 Weak
Size
annual sales of £4.1m, make it in line with the average company (£4.9m)
£4.1m - Affiniture Cards Limited
£4.9m - Industry AVG
Growth
3 year (CAGR) sales growth of -1%, show it is growing at a slower rate (7.3%)
-1% - Affiniture Cards Limited
7.3% - Industry AVG
Production
with a gross margin of 59.1%, this company has a comparable cost of product (59.1%)
59.1% - Affiniture Cards Limited
59.1% - Industry AVG
Profitability
an operating margin of 1.7% make it less profitable than the average company (17.5%)
1.7% - Affiniture Cards Limited
17.5% - Industry AVG
Employees
with 11 employees, this is above the industry average (5)
11 - Affiniture Cards Limited
5 - Industry AVG
Pay Structure
on an average salary of £65.2k, the company has an equivalent pay structure (£65.2k)
£65.2k - Affiniture Cards Limited
£65.2k - Industry AVG
Efficiency
resulting in sales per employee of £370.2k, this is equally as efficient (£397.4k)
£370.2k - Affiniture Cards Limited
£397.4k - Industry AVG
Debtor Days
it gets paid by customers after 314 days, this is later than average (246 days)
314 days - Affiniture Cards Limited
246 days - Industry AVG
Creditor Days
its suppliers are paid after 5 days, this is quicker than average (20 days)
5 days - Affiniture Cards Limited
20 days - Industry AVG
Stock Days
There is insufficient data available for this Key Performance Indicator!
- - Affiniture Cards Limited
- - Industry AVG
Cash Balance
has cash to cover current liabilities
for 8 weeks, this is average cash available to meet short term requirements (7 weeks)
8 weeks - Affiniture Cards Limited
7 weeks - Industry AVG
Debt Level
it has a ratio of liabilities to total assets of 93.3%, this is a similar level of debt than the average (88.8%)
93.3% - Affiniture Cards Limited
88.8% - Industry AVG
AFFINITURE CARDS LIMITED financials
EXPORT
Affiniture Cards Limited's latest turnover from March 2024 is estimated at £4.1 million and the company has net assets of £295.3 thousand. According to their latest financial statements, Affiniture Cards Limited has 11 employees and maintains cash reserves of £649.4 thousand as reported in the balance sheet.
Data source:Companies House, Pomanda Estimates
Mar 2024
Mar 2023
Mar 2022
Mar 2021
Mar 2020
Mar 2019
Mar 2018
Mar 2017
Mar 2016
Mar 2015
Mar 2014
Mar 2013
Turnover
4,072,530
3,820,114
2,157,581
4,136,881
3,020,569
7,471,556
6,456,292
6,691,976
6,579,302
18,058,543
33,516,851
17,251,834
Other Income Or Grants
Cost Of Sales
1,665,367
1,299,512
611,776
1,224,847
928,810
2,241,846
1,590,105
1,886,767
1,922,801
4,731,581
12,200,259
5,535,818
Gross Profit
2,407,163
2,520,602
1,545,804
2,912,034
2,091,759
5,229,710
4,866,186
4,805,209
4,656,500
13,326,962
21,316,592
11,716,016
Admin Expenses
2,338,130
2,374,803
3,273,997
3,157,796
-1,080,783
4,030,206
3,991,942
4,332,016
4,476,905
13,208,602
21,241,425
11,285,041
Operating Profit
69,033
145,799
-1,728,193
-245,762
3,172,542
1,199,504
874,244
473,193
179,595
118,360
75,167
430,975
Interest Payable
392,048
302,046
84,955
330,123
874,789
1,181,686
822,301
475,157
229,400
Interest Receivable
35,899
24,422
22,679
7,403
5,326
8,752
3,249
1,384
3,620
5,135
4,965
1,750
Pre-Tax Profit
-287,116
-131,825
-1,790,470
-568,482
2,303,079
26,570
55,193
-579
-46,186
123,495
80,131
432,725
Tax
-437,585
-5,048
-10,487
-25,934
-18,430
-103,854
Profit After Tax
-287,116
-131,825
-1,790,470
-568,482
1,865,494
21,522
44,706
-579
-46,186
97,561
61,701
328,871
Dividends Paid
Retained Profit
-287,116
-131,825
-1,790,470
-568,482
1,865,494
21,522
44,706
-579
-46,186
97,561
61,701
328,871
Employee Costs
717,433
665,943
420,120
341,817
523,883
1,098,784
328,157
343,627
282,121
2,870,400
5,538,689
3,756,896
Number Of Employees
11
11
7
6
10
22
7
7
8
78
156
92
EBITDA*
74,452
145,799
-1,720,805
-208,930
3,214,741
1,279,747
939,943
528,939
221,835
187,298
268,969
595,846
* Earnings Before Interest, Tax, Depreciation and Amortisation
Mar 2024
Mar 2023
Mar 2022
Mar 2021
Mar 2020
Mar 2019
Mar 2018
Mar 2017
Mar 2016
Mar 2015
Mar 2014
Mar 2013
Tangible Assets
5,777
10,334
7,345
33,131
44,542
38,582
87,901
30,376
22,554
2,758
33,469
188,370
Intangible Assets
1
5,068
10,135
15,202
20,270
25,336
60,993
96,650
132,306
167,962
Investments & Other
Debtors (Due After 1 year)
129,407
34,000
Total Fixed Assets
135,184
44,334
7,346
38,199
54,677
53,784
108,171
55,712
83,547
99,408
165,775
356,332
Stock & work in progress
Trade Debtors
3,514,067
3,374,420
2,728,550
1,939,162
6,400,455
17,538,380
16,846,570
8,472,789
7,364,895
6,940,429
7,033,124
7,443,660
Group Debtors
60,046
Misc Debtors
89,035
29,360
133,305
249,054
154,965
657,648
787,785
520,958
228,653
Cash
649,448
718,145
431,120
5,616,577
9,189,323
1,462,212
871,783
427,981
679,578
768,321
1,285,784
700,079
misc current assets
total current assets
4,252,550
4,121,925
3,292,975
7,864,839
15,744,743
19,658,240
18,506,138
9,421,728
8,273,126
7,708,750
8,318,908
8,143,739
total assets
4,387,734
4,166,259
3,300,321
7,903,038
15,799,420
19,712,024
18,614,309
9,477,440
8,356,673
7,808,158
8,484,683
8,500,071
Bank overdraft
7,058,470
Bank loan
Trade Creditors
23,761
23,998
112,875
4,508,300
379,940
18,197
62,612
19,605
73,302
7,119,926
7,894,012
7,971,101
Group/Directors Accounts
184,000
200,000
179,000
61,797
32,527
99,046
122,342
100,294
other short term finances
3,593,360
3,376,380
2,517,197
10,823,710
17,857,898
17,155,019
8,146,542
hp & lease commitments
other current liabilities
291,317
233,469
127,012
1,590,031
2,160,040
1,295,707
806,233
747,484
682,561
total current liabilities
4,092,438
3,833,847
2,936,084
6,098,331
13,425,487
19,204,329
18,122,910
9,035,973
7,914,627
7,119,926
7,894,012
7,971,101
loans
hp & lease commitments
Accruals and Deferred Income
other liabilities
200,000
200,000
200,000
provisions
744
5,226
total long term liabilities
744
5,226
200,000
200,000
200,000
total liabilities
4,092,438
3,833,847
2,936,084
6,098,331
13,426,231
19,204,329
18,128,136
9,035,973
7,914,627
7,319,926
8,094,012
8,171,101
net assets
295,296
332,412
364,237
1,804,707
2,373,189
507,695
486,173
441,467
442,046
488,232
390,671
328,970
total shareholders funds
295,296
332,412
364,237
1,804,707
2,373,189
507,695
486,173
441,467
442,046
488,232
390,671
328,970
Mar 2024
Mar 2023
Mar 2022
Mar 2021
Mar 2020
Mar 2019
Mar 2018
Mar 2017
Mar 2016
Mar 2015
Mar 2014
Mar 2013
Operating Activities
Operating Profit
69,033
145,799
-1,728,193
-245,762
3,172,542
1,199,504
874,244
473,193
179,595
118,360
75,167
430,975
Depreciation
5,419
2,321
31,765
37,132
75,176
60,632
20,089
6,583
33,282
158,146
129,215
Amortisation
5,067
5,067
5,067
5,067
5,067
35,657
35,657
35,656
35,656
35,656
Tax
-437,585
-5,048
-10,487
-25,934
-18,430
-103,854
Stock
Debtors
294,729
575,925
613,593
-4,307,158
-11,640,608
561,673
8,640,608
1,400,199
653,119
-92,695
-410,536
7,443,660
Creditors
-237
-88,877
-4,395,425
4,128,360
361,743
-44,415
43,007
-53,697
-7,046,624
-774,086
-77,089
7,971,101
Accruals and Deferred Income
57,848
106,457
-1,463,019
-570,009
864,333
489,474
58,749
64,923
682,561
Deferred Taxes & Provisions
-744
744
-5,226
5,226
Cash flow from operations
-162,666
-412,546
-8,192,842
7,655,835
15,644,584
1,152,859
-7,604,170
-860,034
-6,795,347
-520,027
583,986
1,019,433
Investing Activities
capital expenditure
-862
-2,988
23,465
-20,354
-43,092
-25,856
-118,158
-27,911
-26,379
-2,571
-3,245
-521,203
Change in Investments
cash flow from investments
-862
-2,988
23,465
-20,354
-43,092
-25,856
-118,158
-27,911
-26,379
-2,571
-3,245
-521,203
Financing Activities
Bank loans
Group/Directors Accounts
-16,000
21,000
179,000
-61,797
29,270
-66,519
-23,296
22,048
100,294
Other Short Term Loans
216,980
859,183
2,517,197
-10,823,710
-7,034,188
702,879
9,008,477
8,146,542
Long term loans
Hire Purchase and Lease Commitments
other long term liabilities
-200,000
200,000
share issue
250,000
100,000
350,000
99
interest
-356,149
-277,624
-62,276
-322,720
-869,463
-1,172,934
-819,052
-473,773
-225,780
5,135
4,965
1,750
cash flow from financing
94,831
702,559
2,983,921
-11,208,227
-7,874,381
-536,574
8,166,129
7,694,817
-325,486
5,135
4,965
201,849
cash and cash equivalents
cash
-68,697
287,025
-5,185,457
-3,572,746
7,727,111
590,429
443,802
-251,597
-88,743
-517,463
585,705
700,079
overdraft
-7,058,470
7,058,470
change in cash
-68,697
287,025
-5,185,457
-3,572,746
7,727,111
590,429
443,802
6,806,873
-7,147,213
-517,463
585,705
700,079
affiniture cards limited Credit Report and Business Information
Very Low Risk70 - 100
Low Risk50 - 70
Moderate Risk30 - 50
High Risk20 - 30
Very High Risk0 - 20
Get a comprehensive credit check for affiniture cards limited. Get real-time insights into affiniture cards limited's credit score, group structure and payment trends.
Perform a competitor analysis for affiniture cards limited by selecting its closest rivals, whether from the FINANCIAL AND INSURANCE ACTIVITIES sector, other small companies, companies in LL13 area or any other competitors across 12 key performance metrics.
affiniture cards limited Ownership
AFFINITURE CARDS LIMITED group structure
Affiniture Cards Limited has no subsidiary companies.
64929 - Other credit granting (not including credit granting by non-deposit taking finance houses and other specialist consumer credit grantors and activities of mortgage finance companies) n.e.c.
8 wilkinson court, wilkinson business park, wrexham, clwyd, LL13 9AE
Bank
NATIONAL WESTMINSTER BANK PLC
Legal Advisor
-
affiniture cards 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 found 3 charges/mortgages relating to affiniture cards limited. Currently there are 1 open charges and 2 have been satisfied in the past.
affiniture cards limited 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.
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affiniture cards limitedCompanies House Filings - See Documents
