tandem personal loans limited
tandem personal loans limited Company Information
Company Number
08457740
Next Accounts
Sep 2025
Industry
Credit granting by non-deposit taking finance houses and other specialist consumer credit grantors
Shareholders
oplo group ltd
Group Structure
View All
Contact
Registered Address
viscount court, sir frank whittle way, blackpool, FY4 2FB
Website
-tandem personal loans limited Estimated Valuation
Pomanda estimates the enterprise value of TANDEM PERSONAL LOANS LIMITED at £0 based on a Turnover of £4.9k and -2.05x industry multiple (adjusted for size and gross margin).
tandem personal loans limited Estimated Valuation
Pomanda estimates the enterprise value of TANDEM PERSONAL LOANS LIMITED at £0 based on an EBITDA of £749.5k and a -8.42x industry multiple (adjusted for size and gross margin).
tandem personal loans limited Estimated Valuation
Pomanda estimates the enterprise value of TANDEM PERSONAL LOANS LIMITED at £0 based on Net Assets of £-7.2m and 2.3x industry multiple (adjusted for liquidity).
Edit your figures and get a professional valuation report.
Tandem Personal Loans Limited Overview
Tandem Personal Loans Limited is a live company located in blackpool, FY4 2FB with a Companies House number of 08457740. 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 2013, it's largest shareholder is oplo group ltd with a 100% stake. Tandem Personal Loans Limited is a established, micro sized company, Pomanda has estimated its turnover at £4.9k with declining growth in recent years.
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Tandem Personal Loans Limited Health Check
Pomanda's financial health check has awarded Tandem Personal Loans 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 £4.9k, make it smaller than the average company (£7.3m)
£4.9k - Tandem Personal Loans Limited
£7.3m - Industry AVG
Growth
3 year (CAGR) sales growth of -92%, show it is growing at a slower rate (6.6%)
-92% - Tandem Personal Loans Limited
6.6% - Industry AVG
Production
with a gross margin of -242.8%, this company has a higher cost of product (54.6%)
-242.8% - Tandem Personal Loans Limited
54.6% - Industry AVG
Profitability
an operating margin of 15302.1% make it more profitable than the average company (13.5%)
15302.1% - Tandem Personal Loans Limited
13.5% - Industry AVG
Employees
with 1 employees, this is below the industry average (33)
- Tandem Personal Loans Limited
33 - Industry AVG
Pay Structure
on an average salary of £61.7k, the company has an equivalent pay structure (£61.7k)
- Tandem Personal Loans Limited
£61.7k - Industry AVG
Efficiency
resulting in sales per employee of £4.9k, this is less efficient (£386.4k)
- Tandem Personal Loans Limited
£386.4k - Industry AVG
Debtor Days
There is insufficient data available for this Key Performance Indicator!
- - Tandem Personal Loans Limited
- - Industry AVG
Creditor Days
its suppliers are paid after 1 days, this is quicker than average (34 days)
1 days - Tandem Personal Loans Limited
34 days - Industry AVG
Stock Days
There is insufficient data available for this Key Performance Indicator!
- - Tandem Personal Loans Limited
- - Industry AVG
Cash Balance
has cash to cover current liabilities for 44 weeks, this is more cash available to meet short term requirements (12 weeks)
44 weeks - Tandem Personal Loans Limited
12 weeks - Industry AVG
Debt Level
it has a ratio of liabilities to total assets of 608.5%, this is a higher level of debt than the average (91.3%)
608.5% - Tandem Personal Loans Limited
91.3% - Industry AVG
TANDEM PERSONAL LOANS LIMITED financials
Tandem Personal Loans Limited's latest turnover from December 2023 is £4.9 thousand and the company has net assets of -£7.2 million. According to their latest financial statements, we estimate that Tandem Personal Loans Limited has 1 employee and maintains cash reserves of £472.6 thousand as reported in the balance sheet.
Data source: Companies House, Pomanda Estimates
| Dec 2023 | Dec 2022 | Dec 2021 | Mar 2021 | Mar 2020 | Mar 2019 | Mar 2018 | Mar 2017 | Mar 2016 | Mar 2015 | Mar 2014 | Mar 2013 | |
|---|---|---|---|---|---|---|---|---|---|---|---|---|
| Turnover | 4,882 | 1,841,937 | 11,134,851 | 12,023,119 | 11,566,620 | 6,462,680 | 3,877,772 | 3,141,117 | 1,296,519 | 615,111 | ||
| Other Income Or Grants | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | ||
| Cost Of Sales | 16,734 | 481,747 | 4,534,110 | 1,585,287 | 1,601,208 | 1,232,906 | 877,487 | 1,173,773 | 757,971 | 200,534 | ||
| Gross Profit | -11,852 | 1,360,190 | 6,600,741 | 10,437,832 | 9,965,412 | 5,229,774 | 3,000,285 | 1,967,344 | 538,548 | 414,577 | ||
| Admin Expenses | 5,429,900 | 8,452,847 | 5,136,419 | 3,278,943 | 2,806,547 | 772,004 | 328,478 | |||||
| Operating Profit | 5,007,932 | 1,512,565 | 93,355 | -278,658 | -839,203 | -233,456 | 86,099 | |||||
| Interest Payable | 0 | 0 | 0 | 4,756,213 | 4,680,430 | 2,639,438 | 1,928,414 | 734,176 | 416,303 | 89,336 | ||
| Interest Receivable | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | ||
| Pre-Tax Profit | -158,983 | 1,206,792 | -5,042,641 | 251,719 | -3,167,865 | -2,546,083 | -2,207,072 | -1,573,379 | -649,759 | -3,237 | ||
| Tax | 6,897 | -292,316 | 1,031,174 | -47,920 | 601,312 | 487,962 | 26,533 | 300,403 | 157,196 | -26,596 | ||
| Profit After Tax | -152,086 | 914,476 | -4,011,467 | 203,799 | -2,566,553 | -2,058,121 | -2,180,539 | -1,272,976 | -492,563 | -29,833 | ||
| Dividends Paid | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | ||
| Retained Profit | -152,086 | 914,476 | -4,011,467 | 203,799 | -2,566,553 | -2,058,121 | -2,180,539 | -1,272,976 | -492,563 | -29,833 | ||
| Employee Costs | 1,038,982 | 1,059,872 | 1,002,953 | 743,095 | 490,022 | |||||||
| Number Of Employees | 19 | 16 | 5 | |||||||||
| EBITDA* | 5,034,270 | 1,544,666 | 124,102 | -213,863 | -822,760 | -224,738 | 88,863 |
* Earnings Before Interest, Tax, Depreciation and Amortisation
| Dec 2023 | Dec 2022 | Dec 2021 | Mar 2021 | Mar 2020 | Mar 2019 | Mar 2018 | Mar 2017 | Mar 2016 | Mar 2015 | Mar 2014 | Mar 2013 | |
|---|---|---|---|---|---|---|---|---|---|---|---|---|
| Tangible Assets | 0 | 2,421 | 11,071 | 27,202 | 53,540 | 66,993 | 85,462 | 47,630 | 41,660 | 22,075 | 0 | 0 |
| Intangible Assets | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 |
| Investments & Other | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 |
| Debtors (Due After 1 year) | 10,668 | 800,380 | 44,376,778 | 47,800,658 | 47,877,460 | 27,522,630 | 17,299,328 | 1,678,059 | 2,222,127 | 1,123,335 | 0 | 0 |
| Total Fixed Assets | 10,668 | 802,801 | 44,387,849 | 47,827,860 | 47,931,000 | 27,589,623 | 17,384,790 | 1,725,689 | 2,263,787 | 1,145,410 | 0 | 0 |
| Stock & work in progress | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 |
| Trade Debtors | 0 | 0 | 0 | 19,647,228 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 |
| Group Debtors | 828,401 | 947,590 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 1,000 | 0 | 0 |
| Misc Debtors | 99,196 | 65,094 | 35,138,578 | 239,798 | 23,863,887 | 14,872,744 | 1,036,379 | 368,261 | 2,149,504 | 692,472 | 0 | 0 |
| Cash | 472,577 | 1,803,310 | 1,587,163 | 767,569 | 463,737 | 924,172 | 1,893,424 | 906,260 | 372,244 | 127,421 | 0 | 0 |
| misc current assets | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 22,109 | 0 | 0 | 0 | 0 |
| total current assets | 1,400,174 | 2,815,994 | 36,725,741 | 20,654,595 | 24,327,624 | 15,796,916 | 2,929,803 | 1,296,630 | 2,521,748 | 820,893 | 0 | 0 |
| total assets | 1,410,842 | 3,618,795 | 81,113,590 | 68,482,455 | 72,258,624 | 43,386,539 | 20,314,593 | 3,022,319 | 4,785,535 | 1,966,303 | 0 | 0 |
| Bank overdraft | 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 |
| Trade Creditors | 91 | 242,258 | 0 | 5,941 | 886,025 | 467,783 | 99,257 | 11,593 | 95,432 | 2,633 | 0 | 0 |
| Group/Directors Accounts | 537,490 | 1,336,449 | 0 | 0 | 0 | 1,241,415 | 1,501,142 | 1,438,793 | 3,786 | 0 | 0 | 0 |
| other short term finances | 0 | 0 | 0 | 0 | 4,786 | 86,428 | 206,524 | 607,306 | 417,048 | 60,637 | 0 | 0 |
| hp & lease commitments | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 |
| other current liabilities | 10,892 | 51,553 | 446,256 | 354,500 | 580,348 | 603,729 | 614,812 | 128,650 | 780,575 | 227,321 | 0 | 0 |
| total current liabilities | 548,473 | 1,630,260 | 446,256 | 360,441 | 1,471,159 | 2,399,355 | 2,421,735 | 2,186,342 | 1,296,841 | 290,591 | 0 | 0 |
| loans | 8,036,300 | 9,010,380 | 93,074,587 | 76,517,800 | 79,387,050 | 47,020,216 | 21,867,769 | 2,630,349 | 4,010,090 | 1,700,130 | 0 | 0 |
| hp & lease commitments | 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 |
| other liabilities | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 |
| provisions | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 4,415 | 0 | 0 |
| total long term liabilities | 8,036,300 | 9,010,380 | 93,074,587 | 76,517,800 | 79,387,050 | 47,020,216 | 21,867,769 | 2,630,349 | 4,010,090 | 1,704,545 | 0 | 0 |
| total liabilities | 8,584,773 | 10,640,640 | 93,520,843 | 76,878,241 | 80,858,209 | 49,419,571 | 24,289,504 | 4,816,691 | 5,306,931 | 1,995,136 | 0 | 0 |
| net assets | -7,173,931 | -7,021,845 | -12,407,253 | -8,395,786 | -8,599,585 | -6,033,032 | -3,974,911 | -1,794,372 | -521,396 | -28,833 | 0 | 0 |
| total shareholders funds | -7,173,931 | -7,021,845 | -12,407,253 | -8,395,786 | -8,599,585 | -6,033,032 | -3,974,911 | -1,794,372 | -521,396 | -28,833 | 0 | 0 |
| Dec 2023 | Dec 2022 | Dec 2021 | Mar 2021 | Mar 2020 | Mar 2019 | Mar 2018 | Mar 2017 | Mar 2016 | Mar 2015 | Mar 2014 | Mar 2013 | |
|---|---|---|---|---|---|---|---|---|---|---|---|---|
| Operating Activities | ||||||||||||
| Operating Profit | 5,007,932 | 1,512,565 | 93,355 | -278,658 | -839,203 | -233,456 | 86,099 | |||||
| Depreciation | 2,421 | 8,650 | 16,131 | 26,338 | 32,101 | 30,747 | 64,795 | 16,443 | 8,718 | 2,764 | ||
| Amortisation | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | ||
| Tax | 6,897 | -292,316 | 1,031,174 | -47,920 | 601,312 | 487,962 | 26,533 | 300,403 | 157,196 | -26,596 | ||
| Stock | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 |
| Debtors | -874,799 | -77,702,292 | 7,774,009 | -4,053,663 | 29,345,973 | 24,059,667 | 16,289,387 | -2,325,311 | 2,554,824 | 1,816,807 | 0 | 0 |
| Creditors | -242,167 | 242,258 | -886,025 | -880,084 | 418,242 | 368,526 | 87,664 | -83,839 | 92,799 | 2,633 | 0 | 0 |
| Accruals and Deferred Income | -40,661 | -394,703 | -134,092 | -225,848 | -23,381 | -11,083 | 486,162 | -651,925 | 553,254 | 227,321 | 0 | 0 |
| Deferred Taxes & Provisions | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | -4,415 | 4,415 | 0 | 0 |
| Cash flow from operations | 7,934,081 | -26,805,134 | -23,090,160 | -15,902,891 | 1,067,190 | -1,980,728 | -1,520,171 | |||||
| Investing Activities | ||||||||||||
| capital expenditure | 0 | 0 | -18,647 | -11,481 | -66,247 | -22,414 | ||||||
| Change in Investments | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 |
| cash flow from investments | 0 | 0 | -18,647 | -11,481 | -66,247 | -22,414 | ||||||
| Financing Activities | ||||||||||||
| Bank loans | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 |
| Group/Directors Accounts | -798,959 | 1,336,449 | 0 | 0 | -1,241,415 | -259,727 | 62,349 | 1,435,007 | 3,786 | 0 | 0 | 0 |
| Other Short Term Loans | 0 | 0 | -4,786 | -4,786 | -81,642 | -120,096 | -400,782 | 190,258 | 356,411 | 60,637 | 0 | 0 |
| Long term loans | -974,080 | -84,064,207 | 13,687,537 | -2,869,250 | 32,366,834 | 25,152,447 | 19,237,420 | -1,379,741 | 2,309,960 | 1,700,130 | 0 | 0 |
| Hire Purchase and Lease Commitments | 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 |
| share issue | ||||||||||||
| interest | 0 | 0 | 0 | -4,756,213 | -4,680,430 | -2,639,438 | -1,928,414 | -734,176 | -416,303 | -89,336 | ||
| cash flow from financing | -1,773,039 | -78,256,826 | 13,886,550 | -7,630,249 | 26,363,347 | 22,133,186 | 16,970,573 | -488,652 | 2,253,854 | 1,672,431 | ||
| cash and cash equivalents | ||||||||||||
| cash | -1,330,733 | 216,147 | 1,123,426 | 303,832 | -460,435 | -969,252 | 987,164 | 534,016 | 244,823 | 127,421 | 0 | 0 |
| overdraft | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 |
| change in cash | -1,330,733 | 216,147 | 1,123,426 | 303,832 | -460,435 | -969,252 | 987,164 | 534,016 | 244,823 | 127,421 | 0 | 0 |
tandem personal loans limited Credit Report and Business Information
Tandem Personal Loans Limited Competitor Analysis
Perform a competitor analysis for tandem personal loans limited by selecting its closest rivals, whether from the FINANCIAL AND INSURANCE ACTIVITIES sector, other micro companies, companies in FY4 area or any other competitors across 12 key performance metrics.
tandem personal loans limited Ownership
TANDEM PERSONAL LOANS LIMITED group structure
Tandem Personal Loans Limited has no subsidiary companies.
Ultimate parent company
2 parents
TANDEM PERSONAL LOANS LIMITED
08457740
tandem personal loans limited directors
Tandem Personal Loans Limited currently has 3 directors. The longest serving directors include Mr Alexander Mollart (Mar 2013) and Mr Stephen Beard (Jun 2014).
| officer | country | age | start | end | role |
|---|---|---|---|---|---|
| Mr Alexander Mollart | United Kingdom | 49 years | Mar 2013 | - | Director |
| Mr Stephen Beard | United Kingdom | 47 years | Jun 2014 | - | Director |
| Ms Susannah Aliker | 58 years | Jan 2022 | - | Director |
P&L
December 2023turnover
4.9k
-100%
operating profit
747k
0%
gross margin
-242.7%
-428.75%
turnover
Turnover, or revenue, is the amount of sales generated by a company within the financial year.
Balance Sheet
December 2023net assets
-7.2m
+0.02%
total assets
1.4m
-0.61%
cash
472.6k
-0.74%
net assets
Total assets minus all liabilities
tandem personal loans limited company details
company number
08457740
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 2013
age
11
incorporated
UK
ultimate parent company
accounts
Full Accounts
last accounts submitted
December 2023
previous names
oplo pl ltd (August 2023)
1st stop personal loans limited (August 2020)
accountant
-
auditor
PRICEWATERHOUSECOOPERS LLP
address
viscount court, sir frank whittle way, blackpool, FY4 2FB
Bank
NATIONAL WESTMINSTER BANK PLC
Legal Advisor
-
tandem personal loans 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 did not find charges/mortgages relating to tandem personal loans limited.
tandem personal loans 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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tandem personal loans limited Companies House Filings - See Documents
| date | description | view/download |
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