Pomanda estimates the enterprise value of SAFFRON HOUSING FINANCE PLC at £4m based on a Turnover of £6m and 0.68x industry multiple (adjusted for size and gross margin).
saffron housing finance plcEstimated Valuation
£35.5m
Pomanda estimates the enterprise value of SAFFRON HOUSING FINANCE PLC at £35.5m based on an EBITDA of £14.4m and a 2.47x industry multiple (adjusted for size and gross margin).
saffron housing finance plcEstimated Valuation
£61.7k
Pomanda estimates the enterprise value of SAFFRON HOUSING FINANCE PLC at £61.7k based on Net Assets of £50k and 1.23x industry multiple (adjusted for liquidity).
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Saffron Housing Finance PlcOverview
Saffron Housing Finance Plc is a live company located in norwich, NR15 2XP with a Companies House number of 08559467. It operates in the financial intermediation not elsewhere classified sector, SIC Code 64999. Founded in June 2013, it's largest shareholder is
saffron housing trust ltd
with a 100% stake. Saffron Housing Finance Plc is a established,
mid sized company, Pomanda has estimated its turnover at
£6m with
declining
growth in recent years.
Pomanda's financial health check has awarded Saffron Housing Finance Plc a 2 rating. We use a traffic light system to show it exceeds the industry average on 2 measures and has 4 areas for improvement. Company Health Check FAQs
Health Rating2out of 5
2 Strong
2 Regular
4 Weak
Size
annual sales of £6m, make it in line with the average company (£5.1m)
£6m - Saffron Housing Finance Plc
£5.1m - Industry AVG
Growth
3 year (CAGR) sales growth of 0%, show it is growing at a slower rate (6.8%)
0% - Saffron Housing Finance Plc
6.8% - Industry AVG
Production
with a gross margin of 2.1%, this company has a higher cost of product (56.1%)
2.1% - Saffron Housing Finance Plc
56.1% - Industry AVG
Profitability
an operating margin of 241.6% make it more profitable than the average company (9.4%)
241.6% - Saffron Housing Finance Plc
9.4% - Industry AVG
Employees
with 28 employees, this is above the industry average (12)
28 - Saffron Housing Finance Plc
12 - Industry AVG
Pay Structure
There is insufficient data available for this Key Performance Indicator!
- - Saffron Housing Finance Plc
- - Industry AVG
Efficiency
resulting in sales per employee of £212.7k, this is equally as efficient (£213.2k)
£212.7k - Saffron Housing Finance Plc
£213.2k - Industry AVG
Debtor Days
There is insufficient data available for this Key Performance Indicator!
- - Saffron Housing Finance Plc
- - Industry AVG
Creditor Days
There is insufficient data available for this Key Performance Indicator!
- - Saffron Housing Finance Plc
- - Industry AVG
Stock Days
There is insufficient data available for this Key Performance Indicator!
- - Saffron Housing Finance Plc
- - Industry AVG
Cash Balance
has cash to cover current liabilities
for 1 weeks, this is less cash available to meet short term requirements (28 weeks)
1 weeks - Saffron Housing Finance Plc
28 weeks - Industry AVG
Debt Level
it has a ratio of liabilities to total assets of 100%, this is a higher level of debt than the average (69.3%)
100% - Saffron Housing Finance Plc
69.3% - Industry AVG
SAFFRON HOUSING FINANCE PLC financials
EXPORT
Saffron Housing Finance Plc's latest turnover from March 2024 is £6 million and the company has net assets of £50 thousand. According to their latest financial statements, we estimate that Saffron Housing Finance Plc has 28 employees and maintains cash reserves of £31 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
Turnover
5,956,000
5,957,000
5,957,000
5,957,000
5,957,000
5,957,000
5,997,000
5,935,000
5,874,000
4,501,000
1,691,000
Other Income Or Grants
Cost Of Sales
5,830,000
5,830,000
5,830,000
5,830,000
5,830,000
5,830,000
5,872,000
5,812,000
5,809,000
4,328,000
1,691,000
Gross Profit
126,000
127,000
127,000
127,000
127,000
127,000
125,000
123,000
65,000
173,000
Admin Expenses
-14,260,958
-12,992,730
-8,561,698
-7,746,093
-7,746,342
-8,561,974
-8,254,508
-7,942,384
-8,256,750
-6,591,189
-2,437,468
Operating Profit
14,386,958
13,119,730
8,688,698
7,873,093
7,873,342
8,688,974
8,379,508
8,065,384
8,321,750
6,764,189
2,437,468
Interest Payable
Interest Receivable
Pre-Tax Profit
110,000
113,000
111,000
115,000
113,000
104,000
108,000
107,000
58,000
160,000
Tax
Profit After Tax
110,000
113,000
111,000
115,000
113,000
104,000
108,000
107,000
58,000
160,000
Dividends Paid
Retained Profit
110,000
113,000
111,000
115,000
113,000
104,000
108,000
107,000
58,000
160,000
Employee Costs
Number Of Employees
28
30
29
32
31
31
32
34
33
25
9
EBITDA*
14,386,958
13,119,730
8,688,698
7,873,093
7,873,342
8,688,974
8,379,508
8,065,384
8,321,750
6,764,189
2,437,468
* 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
Tangible Assets
Intangible Assets
Investments & Other
586,000
614,000
644,000
674,000
703,000
732,000
761,000
833,000
4,000
Debtors (Due After 1 year)
126,004,000
126,035,000
126,056,000
126,076,000
126,077,000
126,098,000
126,068,000
126,047,000
126,917,000
105,167,000
50,037,000
Total Fixed Assets
126,590,000
126,649,000
126,700,000
126,750,000
126,780,000
126,830,000
126,829,000
126,880,000
126,921,000
105,167,000
50,037,000
Stock & work in progress
Trade Debtors
Group Debtors
1,440,000
1,428,000
1,430,000
1,432,000
1,435,000
1,436,000
1,436,000
1,438,000
1,403,000
1,476,000
531,000
Misc Debtors
38,000
38,000
38,000
38,000
37,000
37,000
37,000
37,000
25,000,000
Cash
31,000
21,000
16,000
15,000
30,000
8,000
57,000
41,000
27,000
11,000
13,000
misc current assets
21,769,000
total current assets
1,509,000
1,487,000
1,484,000
1,485,000
1,502,000
1,481,000
1,530,000
1,516,000
1,430,000
23,256,000
25,544,000
total assets
128,099,000
128,136,000
128,184,000
128,235,000
128,282,000
128,311,000
128,359,000
128,396,000
128,351,000
128,423,000
75,581,000
Bank overdraft
Bank loan
Trade Creditors
1,316,000
1,314,000
531,000
Group/Directors Accounts
113,000
104,000
108,000
other short term finances
hp & lease commitments
other current liabilities
1,483,000
1,467,000
1,465,000
1,468,000
1,356,000
1,351,000
1,353,000
1,351,000
58,000
160,000
total current liabilities
1,483,000
1,467,000
1,465,000
1,468,000
1,469,000
1,455,000
1,461,000
1,351,000
1,374,000
1,474,000
531,000
loans
126,566,000
126,619,000
126,669,000
126,717,000
126,763,000
126,806,000
126,848,000
126,888,000
126,927,000
126,899,000
75,000,000
hp & lease commitments
Accruals and Deferred Income
other liabilities
provisions
total long term liabilities
126,566,000
126,619,000
126,669,000
126,717,000
126,763,000
126,806,000
126,848,000
126,888,000
126,927,000
126,899,000
75,000,000
total liabilities
128,049,000
128,086,000
128,134,000
128,185,000
128,232,000
128,261,000
128,309,000
128,239,000
128,301,000
128,373,000
75,531,000
net assets
50,000
50,000
50,000
50,000
50,000
50,000
50,000
157,000
50,000
50,000
50,000
total shareholders funds
50,000
50,000
50,000
50,000
50,000
50,000
50,000
157,000
50,000
50,000
50,000
Mar 2024
Mar 2023
Mar 2022
Mar 2021
Mar 2020
Mar 2019
Mar 2018
Mar 2017
Mar 2016
Mar 2015
Mar 2014
Operating Activities
Operating Profit
14,386,958
13,119,730
8,688,698
7,873,093
7,873,342
8,688,974
8,379,508
8,065,384
8,321,750
6,764,189
2,437,468
Depreciation
Amortisation
Tax
Stock
Debtors
-19,000
-23,000
-22,000
-3,000
-22,000
30,000
19,000
-798,000
21,677,000
31,075,000
75,568,000
Creditors
-1,316,000
2,000
783,000
531,000
Accruals and Deferred Income
16,000
2,000
-3,000
112,000
5,000
-2,000
2,000
1,293,000
-102,000
160,000
Deferred Taxes & Provisions
Cash flow from operations
14,421,958
13,144,730
8,707,698
7,988,093
7,900,342
8,656,974
8,362,508
8,840,384
-13,455,250
-23,367,811
-72,599,532
Investing Activities
capital expenditure
Change in Investments
-28,000
-30,000
-30,000
-29,000
-29,000
-29,000
-72,000
829,000
4,000
cash flow from investments
28,000
30,000
30,000
29,000
29,000
29,000
72,000
-829,000
-4,000
Financing Activities
Bank loans
Group/Directors Accounts
-113,000
9,000
-4,000
108,000
Other Short Term Loans
Long term loans
-53,000
-50,000
-48,000
-46,000
-43,000
-42,000
-40,000
-39,000
28,000
51,899,000
75,000,000
Hire Purchase and Lease Commitments
other long term liabilities
share issue
-110,000
-113,000
-111,000
-115,000
-113,000
-104,000
-215,000
-58,000
-160,000
50,000
interest
cash flow from financing
-163,000
-163,000
-159,000
-274,000
-147,000
-150,000
-147,000
-39,000
-30,000
51,739,000
75,050,000
cash and cash equivalents
cash
10,000
5,000
1,000
-15,000
22,000
-49,000
16,000
14,000
16,000
-2,000
13,000
overdraft
change in cash
10,000
5,000
1,000
-15,000
22,000
-49,000
16,000
14,000
16,000
-2,000
13,000
saffron housing finance plc 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 saffron housing finance plc. Get real-time insights into saffron housing finance plc's credit score, group structure and payment trends.
Perform a competitor analysis for saffron housing finance plc by selecting its closest rivals, whether from the FINANCIAL AND INSURANCE ACTIVITIES sector, other mid companies, companies in NR15 area or any other competitors across 12 key performance metrics.
saffron housing finance plc Ownership
SAFFRON HOUSING FINANCE PLC group structure
Saffron Housing Finance Plc has no subsidiary companies.
saffron barn swan lane, long stratton, norwich, norfolk, NR15 2XP
Bank
THE BANK OF NEW YORK MELLON
Legal Advisor
DEVONSHIRES
saffron housing finance plc 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 saffron housing finance plc.
saffron housing finance plc 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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saffron housing finance plcCompanies House Filings - See Documents
