lend fair ltd

Live (In Liquidation)EstablishedMicroDeclining

lend fair ltd Company Information

Share LEND FAIR LTD

Company Number

07975401

Directors

Colin Babb

Shareholders

marcus bamberg

colin babb

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Group Structure

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Industry

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

 

Registered Address

c/o mha macintyre hudson, 6th floor, 2 london wall place, london, EC2Y 5AU

lend fair ltd Estimated Valuation

£223.1k

Pomanda estimates the enterprise value of LEND FAIR LTD at £223.1k based on a Turnover of £216.2k and 1.03x industry multiple (adjusted for size and gross margin).

lend fair ltd Estimated Valuation

£0

Pomanda estimates the enterprise value of LEND FAIR LTD at £0 based on an EBITDA of £-236.6k and a 3.76x industry multiple (adjusted for size and gross margin).

lend fair ltd Estimated Valuation

£0

Pomanda estimates the enterprise value of LEND FAIR LTD at £0 based on Net Assets of £-614.7k and 2.41x industry multiple (adjusted for liquidity).

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Lend Fair Ltd Overview

Lend Fair Ltd is a live company located in 2 london wall place, EC2Y 5AU with a Companies House number of 07975401. It operates in the credit granting by non-deposit taking finance houses and other specialist consumer credit grantors sector, SIC Code 64921. Founded in March 2012, it's largest shareholder is marcus bamberg with a 99.2% stake. Lend Fair Ltd is a established, micro sized company, Pomanda has estimated its turnover at £216.2k with declining growth in recent years.

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Lend Fair Ltd Health Check

Pomanda's financial health check has awarded Lend Fair Ltd a 2 rating. We use a traffic light system to show it exceeds the industry average on 2 measures and has 7 areas for improvement. Company Health Check FAQs

Health Check Image
Health Rating2out of 5
positive_score

2 Strong

positive_score

2 Regular

positive_score

7 Weak

size

Size

annual sales of £216.2k, make it smaller than the average company (£7.5m)

£216.2k - Lend Fair Ltd

£7.5m - Industry AVG

growth

Growth

3 year (CAGR) sales growth of -17%, show it is growing at a slower rate (9.8%)

-17% - Lend Fair Ltd

9.8% - Industry AVG

production

Production

with a gross margin of 28.7%, this company has a comparable cost of product (28.7%)

28.7% - Lend Fair Ltd

28.7% - Industry AVG

profitability

Profitability

an operating margin of -109.4% make it less profitable than the average company (7.5%)

-109.4% - Lend Fair Ltd

7.5% - Industry AVG

employees

Employees

with 2 employees, this is below the industry average (12)

2 - Lend Fair Ltd

12 - Industry AVG

paystructure

Pay Structure

on an average salary of £53.4k, the company has an equivalent pay structure (£53.4k)

£53.4k - Lend Fair Ltd

£53.4k - Industry AVG

efficiency

Efficiency

resulting in sales per employee of £108.1k, this is less efficient (£182.6k)

£108.1k - Lend Fair Ltd

£182.6k - Industry AVG

debtordays

Debtor Days

it gets paid by customers after 4 days, this is earlier than average (70 days)

4 days - Lend Fair Ltd

70 days - Industry AVG

creditordays

Creditor Days

its suppliers are paid after 5 days, this is quicker than average (269 days)

5 days - Lend Fair Ltd

269 days - Industry AVG

stockdays

Stock Days

There is insufficient data available for this Key Performance Indicator!

- - Lend Fair Ltd

- - Industry AVG

cashbalance

Cash Balance

has cash to cover current liabilities for 18 weeks, this is more cash available to meet short term requirements (7 weeks)

18 weeks - Lend Fair Ltd

7 weeks - Industry AVG

debtlevel

Debt Level

it has a ratio of liabilities to total assets of 263.6%, this is a higher level of debt than the average (100%)

263.6% - Lend Fair Ltd

100% - Industry AVG

LEND FAIR LTD financials

EXPORTms excel logo

Lend Fair Ltd's latest turnover from March 2020 is estimated at £216.3 thousand and the company has net assets of -£614.7 thousand. According to their latest financial statements, Lend Fair Ltd has 2 employees and maintains cash reserves of £14.5 thousand as reported in the balance sheet.

Data source: Companies HousePomanda Estimates

Mar 2020Mar 2019Mar 2018Mar 2017Mar 2016Mar 2015Mar 2014Mar 2013
Turnover216,250300,687380,915377,375212,870179,709102,5038,141
Other Income Or Grants
Cost Of Sales154,116209,502195,971155,31676,07444,92732,3302,586
Gross Profit62,13491,185184,945222,059136,796134,78270,1735,555
Admin Expenses298,732-31,500199,417338,932342,742340,808227,9605,399
Operating Profit-236,598122,685-14,472-116,873-205,946-206,026-157,787156
Interest Payable70,15534,769
Interest Receivable124343348117813
Pre-Tax Profit-236,586123,120-14,138-187,028-240,715-205,215-157,709170
Tax-23,393-41
Profit After Tax-236,58699,727-14,138-187,028-240,715-205,215-157,709129
Dividends Paid
Retained Profit-236,58699,727-14,138-187,028-240,715-205,215-157,709129
Employee Costs106,881146,587185,044359,106297,44777,04638,07639,413
Number Of Employees23487211
EBITDA*-236,598122,685-13,329-114,365-202,548-202,941-156,165156

* Earnings Before Interest, Tax, Depreciation and Amortisation

Mar 2020Mar 2019Mar 2018Mar 2017Mar 2016Mar 2015Mar 2014Mar 2013
Tangible Assets2221,1452,5754,5475,937
Intangible Assets500500500500500500500
Investments & Other
Debtors (Due After 1 year)33,73011,440
Total Fixed Assets5025025021,6453,07538,77717,877
Stock & work in progress
Trade Debtors2,9261,1061,095265,317164,1381,803
Group Debtors
Misc Debtors357,784747,930846,908972,455646,371
Cash14,5008,542107,27126,354112,638298,46225,8375,358
misc current assets1037152,320
total current assets375,210757,681955,274998,809759,009564,494192,2957,161
total assets375,712758,183955,7761,000,454762,084603,271210,1727,161
Bank overdraft
Bank loan
Trade Creditors 2,4791,93212,41416,34039,73111,4406,032
Group/Directors Accounts
other short term finances
hp & lease commitments
other current liabilities37,91736,28131,66951,71722,919
total current liabilities40,39636,28133,60164,13139,25939,73111,4406,032
loans
hp & lease commitments
Accruals and Deferred Income30,312
other liabilities950,0001,100,0001,400,0001,400,0001,000,000600,000325,000
provisions
total long term liabilities950,0001,100,0001,400,0001,400,0001,000,000600,000355,312
total liabilities990,3961,136,2811,433,6011,464,1311,039,259639,731366,7526,032
net assets-614,684-378,098-477,825-463,677-277,175-36,460-156,5801,129
total shareholders funds-614,684-378,098-477,825-463,677-277,175-36,460-156,5801,129
Mar 2020Mar 2019Mar 2018Mar 2017Mar 2016Mar 2015Mar 2014Mar 2013
Operating Activities
Operating Profit-236,598122,685-14,472-116,873-205,946-206,026-157,787156
Depreciation1,1432,5083,3983,0851,622
Amortisation
Tax-23,393-41
Stock
Debtors-388,326-98,967-124,452326,084347,324123,469173,7751,803
Creditors2,479-1,932-10,482-3,926-23,39128,2915,4086,032
Accruals and Deferred Income1,6364,612-20,04828,79822,919-30,31230,312
Deferred Taxes & Provisions
Cash flow from operations155,843200,93980,593-415,577-550,344-328,431-294,2204,344
Investing Activities
capital expenditure-1,078-1,426-1,695-8,059
Change in Investments
cash flow from investments-1,078-1,426-1,695-8,059
Financing Activities
Bank loans
Group/Directors Accounts
Other Short Term Loans
Long term loans
Hire Purchase and Lease Commitments
other long term liabilities-150,000-300,000400,000400,000275,000325,000
share issue-10526325,3351,000
interest12434334-70,155-34,7698117813
cash flow from financing-149,988-299,566324330,371365,231601,146325,0781,013
cash and cash equivalents
cash5,958-98,72980,917-86,284-185,824272,62520,4795,358
overdraft
change in cash5,958-98,72980,917-86,284-185,824272,62520,4795,358

lend fair ltd Credit Report and Business Information

Very Low Risk70 - 100
Low Risk50 - 70
Moderate Risk30 - 50
High Risk20 - 30
Very High Risk0 - 20
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Lend Fair Ltd Competitor Analysis

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Perform a competitor analysis for lend fair ltd by selecting its closest rivals, whether from the FINANCIAL AND INSURANCE ACTIVITIES sector, other micro companies, companies in EC2Y area or any other competitors across 12 key performance metrics.

lend fair ltd Ownership

LEND FAIR LTD group structure

Lend Fair Ltd has 1 subsidiary company.

Ultimate parent company

LEND FAIR LTD

07975401

1 subsidiary

LEND FAIR LTD Shareholders

marcus bamberg 99.16%
colin babb 0.31%
rookery estates company 0.23%
michael stanley 0.13%
kathryn gina babb 0.09%
stephen norman 0.08%

lend fair ltd directors

Lend Fair Ltd currently has 1 director, Mr Colin Babb serving since Jun 2013.

officercountryagestartendrole
Mr Colin Babb67 years Jun 2013- Director

P&L

March 2020

turnover

216.2k

-28%

operating profit

-236.6k

0%

gross margin

28.8%

-5.25%

turnover

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

Balance Sheet

March 2020

net assets

-614.7k

+0.63%

total assets

375.7k

-0.5%

cash

14.5k

+0.7%

net assets

Total assets minus all liabilities

lend fair ltd company details

company number

07975401

Type

Private limited with Share Capital

industry

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

incorporation date

March 2012

age

13

incorporated

UK

ultimate parent company

None

accounts

Total Exemption Full

last accounts submitted

March 2020

previous names

N/A

accountant

-

auditor

-

address

c/o mha macintyre hudson, 6th floor, 2 london wall place, london, EC2Y 5AU

Bank

-

Legal Advisor

-

lend fair 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 lend fair ltd.

lend fair ltd 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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lend fair ltd Companies House Filings - See Documents

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