penfida ltd
penfida ltd Company Information
Company Number
08020393
Next Accounts
Dec 2025
Shareholders
xps consulting (reading) limited
Group Structure
View All
Industry
Other activities auxiliary to financial services, except insurance and pension funding
Registered Address
phoenix house 1 station hill, reading, RG1 1NB
Website
www.penfida.co.ukpenfida ltd Estimated Valuation
Pomanda estimates the enterprise value of PENFIDA LTD at £2.4m based on a Turnover of £4.1m and 0.58x industry multiple (adjusted for size and gross margin).
penfida ltd Estimated Valuation
Pomanda estimates the enterprise value of PENFIDA LTD at £3m based on an EBITDA of £1.1m and a 2.67x industry multiple (adjusted for size and gross margin).
penfida ltd Estimated Valuation
Pomanda estimates the enterprise value of PENFIDA LTD at £2.1m based on Net Assets of £931k and 2.22x industry multiple (adjusted for liquidity).
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Penfida Ltd Overview
Penfida Ltd is a live company located in reading, RG1 1NB with a Companies House number of 08020393. It operates in the activities auxiliary to financial intermediation n.e.c. sector, SIC Code 66190. Founded in April 2012, it's largest shareholder is xps consulting (reading) limited with a 100% stake. Penfida Ltd is a established, small sized company, Pomanda has estimated its turnover at £4.1m with declining growth in recent years.
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Penfida Ltd Health Check
Pomanda's financial health check has awarded Penfida Ltd a 3.5 rating. We use a traffic light system to show it exceeds the industry average on 3 measures and has 5 areas for improvement. Company Health Check FAQs
3 Strong
3 Regular
5 Weak
Size
annual sales of £4.1m, make it in line with the average company (£3.7m)
£4.1m - Penfida Ltd
£3.7m - Industry AVG
Growth
3 year (CAGR) sales growth of -9%, show it is growing at a slower rate (9.7%)
-9% - Penfida Ltd
9.7% - Industry AVG
Production
with a gross margin of 20.4%, this company has a higher cost of product (81.8%)
20.4% - Penfida Ltd
81.8% - Industry AVG
Profitability
an operating margin of 20.4% make it more profitable than the average company (9.4%)
20.4% - Penfida Ltd
9.4% - Industry AVG
Employees
with 18 employees, this is above the industry average (8)
18 - Penfida Ltd
8 - Industry AVG
Pay Structure
on an average salary of £114.2k, the company has a higher pay structure (£73k)
£114.2k - Penfida Ltd
£73k - Industry AVG
Efficiency
resulting in sales per employee of £225.9k, this is more efficient (£175.7k)
£225.9k - Penfida Ltd
£175.7k - Industry AVG
Debtor Days
it gets paid by customers after 34 days, this is near the average (32 days)
34 days - Penfida Ltd
32 days - Industry AVG
Creditor Days
its suppliers are paid after 0 days, this is quicker than average (37 days)
0 days - Penfida Ltd
37 days - Industry AVG
Stock Days
There is insufficient data available for this Key Performance Indicator!
- - Penfida Ltd
- - Industry AVG
Cash Balance
has cash to cover current liabilities for 7 weeks, this is less cash available to meet short term requirements (28 weeks)
7 weeks - Penfida Ltd
28 weeks - Industry AVG
Debt Level
it has a ratio of liabilities to total assets of 65.3%, this is a similar level of debt than the average (68.7%)
65.3% - Penfida Ltd
68.7% - Industry AVG
PENFIDA LTD financials
Penfida Ltd's latest turnover from March 2024 is £4.1 million and the company has net assets of £931 thousand. According to their latest financial statements, Penfida Ltd has 18 employees and maintains cash reserves of £250 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 | Apr 2013 | |
|---|---|---|---|---|---|---|---|---|---|---|---|---|
| Turnover | 4,067,000 | 4,470,000 | 5,229,000 | 5,414,887 | 3,706,902 | 4,514,452 | 4,882,012 | 4,683,505 | 4,326,390 | 3,816,999 | ||
| Other Income Or Grants | ||||||||||||
| Cost Of Sales | 31,696 | 87,518 | 166,191 | 85,000 | 40,000 | 40,000 | 104,900 | |||||
| Gross Profit | 5,383,191 | 3,619,384 | 4,348,261 | 4,797,012 | 4,643,505 | 4,286,390 | 3,712,099 | |||||
| Admin Expenses | 4,776,376 | 3,618,177 | 3,860,519 | 3,934,367 | 3,620,925 | 3,311,795 | 2,756,318 | |||||
| Operating Profit | 829,000 | 884,000 | 975,000 | 606,815 | 1,207 | 487,742 | 862,645 | 1,022,580 | 974,595 | 955,781 | ||
| Interest Payable | 29,000 | 9,000 | 11,000 | 19 | ||||||||
| Interest Receivable | 57,000 | 1,000 | 1,893 | 4,181 | 2,562 | 1,589 | 354 | 369 | 204 | |||
| Pre-Tax Profit | 857,000 | 875,000 | 965,000 | 608,708 | 5,369 | 490,304 | 864,234 | 1,022,934 | 974,964 | 955,985 | -255,031 | |
| Tax | -218,000 | -170,000 | -184,000 | -116,921 | -1,486 | -98,559 | -171,437 | -207,572 | -214,459 | -178,833 | ||
| Profit After Tax | 639,000 | 705,000 | 781,000 | 491,787 | 3,883 | 391,745 | 692,797 | 815,362 | 760,505 | 777,152 | -255,031 | |
| Dividends Paid | 250,000 | 1,170,000 | 667,000 | 170,942 | 159,852 | 439,593 | 399,630 | 815,195 | 754,740 | 502,656 | ||
| Retained Profit | 389,000 | -465,000 | 114,000 | 320,845 | -155,969 | -47,848 | 293,167 | 167 | 5,765 | 274,496 | -255,031 | |
| Employee Costs | 2,055,000 | 2,534,000 | 3,353,000 | 2,965,687 | 1,952,672 | 2,205,747 | 2,355,183 | 2,103,098 | 1,784,689 | 1,376,218 | ||
| Number Of Employees | 18 | 19 | 17 | 17 | 18 | 17 | 16 | 16 | 16 | 13 | ||
| EBITDA* | 1,119,000 | 1,176,000 | 1,284,000 | 1,334,151 | 735,751 | 1,222,759 | 1,599,893 | 1,755,412 | 1,702,701 | 1,685,440 |
* 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 | Apr 2013 | |
|---|---|---|---|---|---|---|---|---|---|---|---|---|
| Tangible Assets | 933,000 | 822,000 | ||||||||||
| Intangible Assets | 242,000 | 532,000 | 944,745 | 1,664,745 | 2,384,745 | 3,104,745 | 3,824,745 | 4,544,745 | ||||
| Investments & Other | 933,000 | 2 | 1 | 1 | 1 | 1 | ||||||
| Debtors (Due After 1 year) | ||||||||||||
| Total Fixed Assets | 1,175,000 | 532,000 | 822,000 | 2 | 944,746 | 1,664,746 | 2,384,746 | 3,104,746 | 3,824,745 | 4,544,745 | ||
| Stock & work in progress | ||||||||||||
| Trade Debtors | 383,000 | 821,000 | 621,000 | 666,495 | 596,506 | 708,530 | 1,197,077 | 255,374 | 913,902 | 430,149 | ||
| Group Debtors | ||||||||||||
| Misc Debtors | 708,000 | 1,030,000 | 1,143,000 | 1,051,618 | 1,144,825 | 950,477 | 769,608 | 1,477,228 | 1,122,052 | 1,107,069 | ||
| Cash | 250,000 | 754,000 | 1,802,000 | 2,068,788 | 630,319 | 1,334,004 | 1,514,519 | 1,125,037 | 843,918 | 1,013,889 | 377,880 | |
| misc current assets | 169,000 | |||||||||||
| total current assets | 1,510,000 | 2,605,000 | 3,566,000 | 3,786,901 | 2,371,650 | 2,993,011 | 3,481,204 | 2,857,639 | 2,879,872 | 2,551,107 | 377,880 | |
| total assets | 2,685,000 | 3,137,000 | 4,388,000 | 3,786,903 | 3,316,396 | 4,657,757 | 5,865,950 | 5,962,385 | 6,704,617 | 7,095,852 | 377,880 | |
| Bank overdraft | ||||||||||||
| Bank loan | ||||||||||||
| Trade Creditors | 3,000 | 122,000 | 111,000 | 127,334 | 122,027 | 134,039 | 123,742 | 120,974 | 88,059 | 107,018 | 255,031 | |
| Group/Directors Accounts | ||||||||||||
| other short term finances | 264,000 | 450,000 | ||||||||||
| hp & lease commitments | 139,000 | 331,000 | 194,000 | |||||||||
| other current liabilities | 1,348,000 | 1,360,000 | 2,541,000 | 1,885,767 | 883,117 | 1,360,497 | 1,917,139 | 1,613,389 | 1,626,073 | 1,284,114 | ||
| total current liabilities | 1,754,000 | 2,263,000 | 2,846,000 | 2,013,101 | 1,005,144 | 1,494,536 | 1,958,881 | 1,734,363 | 1,714,132 | 1,391,132 | 255,031 | |
| loans | 278,000 | 940,000 | ||||||||||
| hp & lease commitments | 139,000 | 470,000 | ||||||||||
| Accruals and Deferred Income | ||||||||||||
| other liabilities | ||||||||||||
| provisions | 386,000 | 386,000 | 142,960 | 130,000 | 106,000 | |||||||
| total long term liabilities | 332,000 | 663,000 | 142,960 | 130,000 | 106,000 | 82,000 | ||||||
| total liabilities | 1,754,000 | 2,595,000 | 3,509,000 | 2,156,061 | 1,135,144 | 1,600,536 | 2,040,881 | 1,734,363 | 1,714,132 | 1,391,132 | 255,031 | |
| net assets | 931,000 | 542,000 | 879,000 | 1,630,842 | 2,181,252 | 3,057,221 | 3,825,069 | 4,228,022 | 4,990,485 | 5,704,720 | 122,849 | |
| total shareholders funds | 931,000 | 542,000 | 879,000 | 1,630,842 | 2,181,252 | 3,057,221 | 3,825,069 | 4,228,022 | 4,990,485 | 5,704,720 | 122,849 |
| Mar 2024 | Mar 2023 | Mar 2022 | Mar 2021 | Mar 2020 | Mar 2019 | Mar 2018 | Mar 2017 | Mar 2016 | Mar 2015 | Mar 2014 | Apr 2013 | |
|---|---|---|---|---|---|---|---|---|---|---|---|---|
| Operating Activities | ||||||||||||
| Operating Profit | 829,000 | 884,000 | 975,000 | 606,815 | 1,207 | 487,742 | 862,645 | 1,022,580 | 974,595 | 955,781 | ||
| Depreciation | 290,000 | 292,000 | 309,000 | 7,336 | 14,544 | 15,017 | 17,248 | 12,832 | 8,106 | 9,659 | ||
| Amortisation | 720,000 | 720,000 | 720,000 | 720,000 | 720,000 | 720,000 | 720,000 | |||||
| Tax | -218,000 | -170,000 | -184,000 | -116,921 | -1,486 | -98,559 | -171,437 | -207,572 | -214,459 | -178,833 | ||
| Stock | ||||||||||||
| Debtors | -760,000 | 87,000 | 45,887 | -23,218 | 82,324 | -307,678 | 234,083 | -303,352 | 498,736 | 1,537,218 | ||
| Creditors | -119,000 | 11,000 | -16,334 | 5,307 | -12,012 | 10,297 | 2,768 | 32,915 | -18,959 | -148,013 | 255,031 | |
| Accruals and Deferred Income | -12,000 | -1,181,000 | 655,233 | 1,002,650 | -477,380 | -556,642 | 303,750 | -12,684 | 341,959 | 1,284,114 | ||
| Deferred Taxes & Provisions | -386,000 | 243,040 | 12,960 | 24,000 | 106,000 | |||||||
| Cash flow from operations | 1,144,000 | -251,000 | 1,936,052 | 2,261,365 | 186,549 | 991,533 | 1,500,891 | 1,871,423 | 1,312,506 | 1,105,490 | 255,031 | |
| Investing Activities | ||||||||||||
| capital expenditure | -15,017 | -17,248 | -12,832 | -8,106 | -5,274,404 | |||||||
| Change in Investments | 933,000 | -2 | 1 | 1 | ||||||||
| cash flow from investments | -1 | -15,017 | -17,248 | -12,833 | -8,106 | -5,274,404 | ||||||
| Financing Activities | ||||||||||||
| Bank loans | ||||||||||||
| Group/Directors Accounts | ||||||||||||
| Other Short Term Loans | -186,000 | 450,000 | ||||||||||
| Long term loans | -278,000 | -662,000 | 940,000 | |||||||||
| Hire Purchase and Lease Commitments | -331,000 | -194,000 | 664,000 | |||||||||
| other long term liabilities | ||||||||||||
| share issue | ||||||||||||
| interest | 28,000 | -9,000 | -10,000 | 1,893 | 4,162 | 2,562 | 1,589 | 354 | 369 | 204 | ||
| cash flow from financing | -767,000 | -287,000 | 728,158 | -869,362 | -715,838 | -717,438 | -694,531 | -762,276 | -719,631 | 5,307,579 | 377,880 | |
| cash and cash equivalents | ||||||||||||
| cash | -504,000 | -1,048,000 | -266,788 | 1,438,469 | -703,685 | -180,515 | 389,482 | 281,119 | -169,971 | 636,009 | 377,880 | |
| overdraft | ||||||||||||
| change in cash | -504,000 | -1,048,000 | -266,788 | 1,438,469 | -703,685 | -180,515 | 389,482 | 281,119 | -169,971 | 636,009 | 377,880 |
penfida ltd Credit Report and Business Information
Penfida Ltd Competitor Analysis
Perform a competitor analysis for penfida ltd by selecting its closest rivals, whether from the FINANCIAL AND INSURANCE ACTIVITIES sector, other small companies, companies in RG1 area or any other competitors across 12 key performance metrics.
penfida ltd Ownership
PENFIDA LTD group structure
Penfida Ltd has 2 subsidiary companies.
Ultimate parent company
2 parents
PENFIDA LTD
08020393
2 subsidiaries
penfida ltd directors
Penfida Ltd currently has 3 directors. The longest serving directors include Mr Benjamin Fenning (Sep 2022) and Mr Patrick McCoy (Sep 2022).
| officer | country | age | start | end | role |
|---|---|---|---|---|---|
| Mr Benjamin Fenning | England | 47 years | Sep 2022 | - | Director |
| Mr Patrick McCoy | England | 54 years | Sep 2022 | - | Director |
| Ms Arabella Slinger | England | 53 years | Dec 2024 | - | Director |
P&L
March 2024turnover
4.1m
-9%
operating profit
829k
-6%
gross margin
20.4%
-3.96%
turnover
Turnover, or revenue, is the amount of sales generated by a company within the financial year.
Balance Sheet
March 2024net assets
931k
+0.72%
total assets
2.7m
-0.14%
cash
250k
-0.67%
net assets
Total assets minus all liabilities
penfida ltd company details
company number
08020393
Type
Private limited with Share Capital
industry
66190 - Other activities auxiliary to financial services, except insurance and pension funding
incorporation date
April 2012
age
13
incorporated
UK
ultimate parent company
accounts
Audit Exemption Subsidiary
last accounts submitted
March 2024
previous names
N/A
accountant
-
auditor
-
address
phoenix house 1 station hill, reading, RG1 1NB
Bank
-
Legal Advisor
-
penfida 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 penfida ltd.
penfida 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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penfida ltd Companies House Filings - See Documents
| date | description | view/download |
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