pepper europe (uk) limited
pepper europe (uk) limited Company Information
Company Number
08091147
Registered Address
4 capital quarter, tyndall street, cardiff, CF10 4BZ
Industry
Activities of financial services holding companies
Other business support service activities n.e.c.
Telephone
02072927436
Next Accounts Due
September 2024
Group Structure
View All
Shareholders
pepper group uk lending holdco limited 100%
pepper europe (uk) limited Estimated Valuation
Pomanda estimates the enterprise value of PEPPER EUROPE (UK) LIMITED at £1.2m based on a Turnover of £1.4m and 0.86x industry multiple (adjusted for size and gross margin).
pepper europe (uk) limited Estimated Valuation
Pomanda estimates the enterprise value of PEPPER EUROPE (UK) LIMITED at £0 based on an EBITDA of £-2.2m and a 4.44x industry multiple (adjusted for size and gross margin).
pepper europe (uk) limited Estimated Valuation
Pomanda estimates the enterprise value of PEPPER EUROPE (UK) LIMITED at £106.8m based on Net Assets of £244.7m and 0.44x industry multiple (adjusted for liquidity).
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Pepper Europe (uk) Limited Overview
Pepper Europe (uk) Limited is a live company located in cardiff, CF10 4BZ with a Companies House number of 08091147. It operates in the activities of financial services holding companies sector, SIC Code 64205. Founded in May 2012, it's largest shareholder is pepper group uk lending holdco limited with a 100% stake. Pepper Europe (uk) Limited is a established, small sized company, Pomanda has estimated its turnover at £1.4m with declining growth in recent years.
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Pepper Europe (uk) Limited Health Check
Pomanda's financial health check has awarded Pepper Europe (Uk) Limited a 2.5 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
2 Strong
1 Regular
7 Weak
Size
annual sales of £1.4m, make it smaller than the average company (£7.3m)
£1.4m - Pepper Europe (uk) Limited
£7.3m - Industry AVG
Growth
3 year (CAGR) sales growth of -72%, show it is growing at a slower rate (5.8%)
-72% - Pepper Europe (uk) Limited
5.8% - Industry AVG
Production
with a gross margin of 58.1%, this company has a comparable cost of product (58.1%)
58.1% - Pepper Europe (uk) Limited
58.1% - Industry AVG
Profitability
an operating margin of -174.2% make it less profitable than the average company (8.7%)
-174.2% - Pepper Europe (uk) Limited
8.7% - Industry AVG
Employees
with 6 employees, this is below the industry average (44)
6 - Pepper Europe (uk) Limited
44 - Industry AVG
Pay Structure
on an average salary of £280.1k, the company has a higher pay structure (£66k)
£280.1k - Pepper Europe (uk) Limited
£66k - Industry AVG
Efficiency
resulting in sales per employee of £229.3k, this is more efficient (£184.3k)
£229.3k - Pepper Europe (uk) Limited
£184.3k - Industry AVG
Debtor Days
There is insufficient data available for this Key Performance Indicator!
- - Pepper Europe (uk) Limited
- - Industry AVG
Creditor Days
its suppliers are paid after 10 days, this is quicker than average (42 days)
10 days - Pepper Europe (uk) Limited
42 days - Industry AVG
Stock Days
There is insufficient data available for this Key Performance Indicator!
- - Pepper Europe (uk) Limited
- - Industry AVG
Cash Balance
has cash to cover current liabilities for 0 weeks, this is less cash available to meet short term requirements (26 weeks)
0 weeks - Pepper Europe (uk) Limited
26 weeks - Industry AVG
Debt Level
it has a ratio of liabilities to total assets of 10%, this is a lower level of debt than the average (61.2%)
10% - Pepper Europe (uk) Limited
61.2% - Industry AVG
PEPPER EUROPE (UK) LIMITED financials
Pepper Europe (Uk) Limited's latest turnover from December 2022 is £1.4 million and the company has net assets of £244.7 million. According to their latest financial statements, Pepper Europe (Uk) Limited has 6 employees and maintains cash reserves of £404.4 thousand as reported in the balance sheet.
Data source: Companies House, Pomanda Estimates
| Dec 2022 | Dec 2021 | Dec 2020 | Dec 2019 | Dec 2018 | Dec 2017 | Dec 2016 | Dec 2015 | Dec 2014 | Dec 2013 | Dec 2012 | |
|---|---|---|---|---|---|---|---|---|---|---|---|
| Turnover | 1,375,979 | 38,673,564 | 9,507,820 | 64,140,961 | 49,021,378 | 227,410 | 1,890,318 | 2,179,119 | 2,615,402 | 1,827,440 | 1,075,347 |
| Other Income Or Grants | |||||||||||
| Cost Of Sales | |||||||||||
| Gross Profit | |||||||||||
| Admin Expenses | |||||||||||
| Operating Profit | -2,976,521 | -1,240,462 | -4,426,945 | -307,809 | -730,415 | 65,577 | |||||
| Interest Payable | 0 | 0 | 0 | 0 | 3,102,834 | 2,595,646 | 2,210,603 | 969,279 | 0 | 0 | 0 |
| Interest Receivable | 0 | 0 | 0 | 0 | 326 | 0 | 0 | 0 | 111,080 | 2,256 | 0 |
| Pre-Tax Profit | -2,628,081 | 35,897,369 | -159,653 | 15,403,939 | 43,842,854 | -2,846,145 | -1,023,160 | -5,396,224 | -196,729 | -728,159 | 65,577 |
| Tax | 237,342 | 151,884 | -58,404 | 546,104 | 18,801 | 1,181,928 | 452,524 | 1,065,284 | 56,478 | 54,396 | -29,748 |
| Profit After Tax | -2,390,739 | 36,049,253 | -218,057 | 15,950,043 | 43,861,655 | -1,664,217 | -570,636 | -4,330,940 | -140,251 | -673,763 | 35,829 |
| Dividends Paid | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 |
| Retained Profit | -2,390,739 | 36,049,253 | -218,057 | 15,950,043 | 43,861,655 | -1,664,217 | -570,636 | -4,330,940 | -184,775 | -877,515 | 35,829 |
| Employee Costs | 1,680,313 | 1,609,379 | 1,941,849 | 2,423,519 | 1,527,337 | 1,311,429 | 1,727,772 | 4,953,845 | 1,509,029 | 833,334 | 409,532 |
| Number Of Employees | 6 | 9 | 9 | 9 | 4 | 4 | 6 | 8 | 10 | 9 | 4 |
| EBITDA* | -2,802,979 | -1,150,961 | -4,262,775 | -191,095 | -666,561 | 75,855 |
* Earnings Before Interest, Tax, Depreciation and Amortisation
| Dec 2022 | Dec 2021 | Dec 2020 | Dec 2019 | Dec 2018 | Dec 2017 | Dec 2016 | Dec 2015 | Dec 2014 | Dec 2013 | Dec 2012 | |
|---|---|---|---|---|---|---|---|---|---|---|---|
| Tangible Assets | 260,226,000 | 260,278,718 | 396,054,390 | 104,429,758 | 132,503,572 | 68,877,696 | 59,793,848 | 39,908,764 | 481,001 | 154,842 | 141,835 |
| Intangible Assets | 0 | 7,511 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 |
| Investments & Other | 260,216,979 | 260,022,201 | 395,625,934 | 103,752,168 | 132,051,022 | 68,057,669 | 59,514,252 | 39,539,667 | 65,002 | 0 | 0 |
| Debtors (Due After 1 year) | 0 | 89,964 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 |
| Total Fixed Assets | 260,226,000 | 260,286,229 | 396,054,390 | 104,429,758 | 132,503,572 | 68,877,696 | 59,793,848 | 39,908,764 | 481,001 | 154,842 | 141,835 |
| Stock & work in progress | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 |
| Trade Debtors | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 |
| Group Debtors | 10,451,585 | 6,223,204 | 6,579,016 | 0 | 2,195,664 | 20,544,946 | 17,706,008 | 15,051,629 | 18,618,426 | 19,538,315 | 13,003,418 |
| Misc Debtors | 246,730 | 247,656 | 372,478 | 620,628 | 1,597,861 | 1,766,033 | 1,345,031 | 1,571,370 | 798,363 | 769,101 | 192,098 |
| Cash | 404,425 | 231,365 | 579,156 | 54,520 | 247,041 | 68,224 | 63,238 | 387,026 | 280,048 | 590,612 | 3,428,491 |
| misc current assets | 0 | 0 | 0 | 18,445,105 | 0 | 0 | 0 | 0 | 0 | 0 | 0 |
| total current assets | 11,577,087 | 6,849,266 | 7,657,231 | 19,553,102 | 4,040,566 | 22,379,203 | 19,114,277 | 17,010,025 | 19,696,837 | 20,898,028 | 16,624,007 |
| total assets | 271,803,087 | 267,135,495 | 403,711,621 | 123,982,860 | 136,544,138 | 91,256,899 | 78,908,125 | 56,918,789 | 20,177,838 | 21,052,870 | 16,765,842 |
| Bank overdraft | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 |
| Bank loan | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 |
| Trade Creditors | 15,953 | 251,233 | 84,590 | 91,265 | 35,290 | 545,520 | 22,750 | 56,588,701 | 423,351 | 357,737 | 86,050 |
| Group/Directors Accounts | 26,204,188 | 18,998,607 | 17,327,821 | 10,292,639 | 0 | 0 | 0 | 0 | 0 | 0 | 0 |
| other short term finances | 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 |
| other current liabilities | 902,145 | 756,267 | 1,083,150 | 2,818,126 | 12,755,351 | 74,130,566 | 60,578,478 | 0 | 18,278,626 | 18,728,362 | 16,636,068 |
| total current liabilities | 27,122,286 | 20,006,107 | 18,495,561 | 13,202,030 | 12,790,641 | 74,676,086 | 60,601,228 | 56,588,701 | 18,701,977 | 19,086,099 | 16,722,118 |
| loans | 0 | 115,696 | 518,148 | 735,758 | 0 | 0 | 0 | 0 | 0 | 0 | 0 |
| hp & lease commitments | 0 | 57,848 | 259,074 | 367,879 | 0 | 0 | 0 | 0 | 0 | 0 | 0 |
| Accruals and Deferred Income | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 |
| other liabilities | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 |
| provisions | 0 | 0 | 17,798 | 17,798 | 90,836 | 0 | 83,360 | 50,562 | 114,630 | 15,866 | 9,128 |
| total long term liabilities | 0 | 57,848 | 267,973 | 376,778 | 45,418 | 0 | 41,680 | 25,281 | 57,315 | 7,933 | 4,564 |
| total liabilities | 27,122,286 | 20,063,955 | 18,763,534 | 13,578,808 | 12,836,059 | 74,676,086 | 60,642,908 | 56,613,982 | 18,759,292 | 19,094,032 | 16,726,682 |
| net assets | 244,680,801 | 247,071,540 | 384,948,087 | 110,404,052 | 123,708,079 | 16,580,813 | 18,265,217 | 304,807 | 1,418,546 | 1,958,838 | 39,160 |
| total shareholders funds | 244,680,801 | 247,071,540 | 384,948,087 | 110,404,052 | 123,708,079 | 16,580,813 | 18,265,217 | 304,807 | 1,418,546 | 1,958,838 | 39,160 |
| Dec 2022 | Dec 2021 | Dec 2020 | Dec 2019 | Dec 2018 | Dec 2017 | Dec 2016 | Dec 2015 | Dec 2014 | Dec 2013 | Dec 2012 | |
|---|---|---|---|---|---|---|---|---|---|---|---|
| Operating Activities | |||||||||||
| Operating Profit | -2,976,521 | -1,240,462 | -4,426,945 | -307,809 | -730,415 | 65,577 | |||||
| Depreciation | 168,460 | 262,600 | 275,848 | 250,159 | 117,601 | 173,542 | 89,501 | 164,170 | 116,714 | 63,854 | 10,278 |
| Amortisation | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 |
| Tax | 237,342 | 151,884 | -58,404 | 546,104 | 18,801 | 1,181,928 | 452,524 | 1,065,284 | 56,478 | 54,396 | -29,748 |
| Stock | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 |
| Debtors | 4,137,491 | -390,670 | 6,330,866 | -3,172,897 | -18,517,454 | 3,259,940 | 2,428,040 | -2,793,790 | -890,627 | 7,111,900 | 13,195,516 |
| Creditors | -235,280 | 166,643 | -6,675 | 55,975 | -510,230 | 522,770 | -56,565,951 | 56,165,350 | 65,614 | 271,687 | 86,050 |
| Accruals and Deferred Income | 145,878 | -326,883 | -1,734,976 | -9,937,225 | -61,375,215 | 13,552,088 | 60,578,478 | -18,278,626 | -449,736 | 2,092,294 | 16,636,068 |
| Deferred Taxes & Provisions | 0 | -17,798 | 0 | -73,038 | 90,836 | -83,360 | 32,798 | -64,068 | 98,764 | 6,738 | 9,128 |
| Cash flow from operations | 9,110,507 | 918,848 | 37,418,955 | 470,652 | -5,353,346 | 3,581,837 | |||||
| Investing Activities | |||||||||||
| capital expenditure | |||||||||||
| Change in Investments | 194,778 | -135,603,733 | 291,873,766 | -28,298,854 | 63,993,353 | 8,543,417 | 19,974,585 | 39,474,665 | 65,002 | 0 | 0 |
| cash flow from investments | |||||||||||
| Financing Activities | |||||||||||
| Bank loans | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 |
| Group/Directors Accounts | 7,205,581 | 1,670,786 | 7,035,182 | 10,292,639 | 0 | 0 | 0 | 0 | 0 | 0 | 0 |
| Other Short Term Loans | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 |
| Long term loans | -115,696 | -402,452 | -217,610 | 735,758 | 0 | 0 | 0 | 0 | 0 | 0 | 0 |
| Hire Purchase and Lease Commitments | -57,848 | -201,226 | -108,805 | 367,879 | 0 | 0 | 0 | 0 | 0 | 0 | 0 |
| other long term liabilities | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 |
| share issue | |||||||||||
| interest | 0 | 0 | 0 | 0 | -3,102,508 | -2,595,646 | -2,210,603 | -969,279 | 111,080 | 2,256 | 0 |
| cash flow from financing | 7,032,037 | -172,858,692 | 281,470,859 | -17,857,794 | 60,163,103 | -2,615,833 | 16,320,443 | 2,247,922 | -244,437 | 2,799,449 | 3,331 |
| cash and cash equivalents | |||||||||||
| cash | 173,060 | -347,791 | 524,636 | -192,521 | 178,817 | 4,986 | -323,788 | 106,978 | -310,564 | -2,837,879 | 3,428,491 |
| overdraft | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 |
| change in cash | 173,060 | -347,791 | 524,636 | -192,521 | 178,817 | 4,986 | -323,788 | 106,978 | -310,564 | -2,837,879 | 3,428,491 |
pepper europe (uk) limited Credit Report and Business Information
Pepper Europe (uk) Limited Competitor Analysis
Perform a competitor analysis for pepper europe (uk) limited by selecting its closest rivals, whether from the FINANCIAL AND INSURANCE ACTIVITIES sector, other small companies, companies in CF10 area or any other competitors across 12 key performance metrics.
pepper europe (uk) limited Ownership
PEPPER EUROPE (UK) LIMITED group structure
Pepper Europe (Uk) Limited has 5 subsidiary companies.
Ultimate parent company
RED HOT AUSTRALIA HOLDCO PTY LTD
#0049963
PEPPER GROUP UK LENDING HOLDCO LTD
#0131498
2 parents
PEPPER EUROPE (UK) LIMITED
08091147
5 subsidiaries
pepper europe (uk) limited directors
Pepper Europe (Uk) Limited currently has 2 directors. The longest serving directors include Mr Laurence Morey (Feb 2014) and Mr Andrew Smith (Feb 2024).
| officer | country | age | start | end | role |
|---|---|---|---|---|---|
| Mr Laurence Morey | United Kingdom | 50 years | Feb 2014 | - | Director |
| Mr Andrew Smith | United Kingdom | 55 years | Feb 2024 | - | Director |
P&L
December 2022turnover
1.4m
-96%
operating profit
-2.4m
0%
gross margin
58.2%
+0.28%
turnover
Turnover, or revenue, is the amount of sales generated by a company within the financial year.
Balance Sheet
December 2022net assets
244.7m
-0.01%
total assets
271.8m
+0.02%
cash
404.4k
+0.75%
net assets
Total assets minus all liabilities
pepper europe (uk) limited company details
company number
08091147
Type
Private limited with Share Capital
industry
64205 - Activities of financial services holding companies
82990 - Other business support service activities n.e.c.
incorporation date
May 2012
age
12
incorporated
UK
accounts
Full Accounts
ultimate parent company
previous names
N/A
last accounts submitted
December 2022
address
4 capital quarter, tyndall street, cardiff, CF10 4BZ
accountant
-
auditor
DELOITTE LLP
pepper europe (uk) 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 1 charges/mortgages relating to pepper europe (uk) limited. Currently there are 0 open charges and 1 have been satisfied in the past.
pepper europe (uk) limited Companies House Filings - See Documents
| date | description | view/download |
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