loan logics limited

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loan logics limited Company Information

Share LOAN LOGICS LIMITED

Company Number

08723302

Directors

Jane Fisher

Trevor Newman

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Shareholders

richard street

jane marian fisher

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Group Structure

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Industry

Other credit granting (not including credit granting by non-deposit taking finance houses and other specialist consumer credit grantors and activities of mortgage finance companies) n.e.c.

 

Registered Address

19th floor 1 westfield avenue, london, E20 1HZ

loan logics limited Estimated Valuation

£3.2m

Pomanda estimates the enterprise value of LOAN LOGICS LIMITED at £3.2m based on a Turnover of £2.7m and 1.16x industry multiple (adjusted for size and gross margin).

loan logics limited Estimated Valuation

£4.8m

Pomanda estimates the enterprise value of LOAN LOGICS LIMITED at £4.8m based on an EBITDA of £1.1m and a 4.43x industry multiple (adjusted for size and gross margin).

loan logics limited Estimated Valuation

£1.3m

Pomanda estimates the enterprise value of LOAN LOGICS LIMITED at £1.3m based on Net Assets of £745.6k and 1.8x industry multiple (adjusted for liquidity).

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Loan Logics Limited Overview

Loan Logics Limited is a live company located in london, E20 1HZ with a Companies House number of 08723302. It operates in the other credit granting n.e.c. sector, SIC Code 64929. Founded in October 2013, it's largest shareholder is richard street with a 48% stake. Loan Logics Limited is a established, small sized company, Pomanda has estimated its turnover at £2.7m with healthy growth in recent years.

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Loan Logics Limited Health Check

Pomanda's financial health check has awarded Loan Logics Limited a 4.5 rating. We use a traffic light system to show it exceeds the industry average on 4 measures and has 1 areas for improvement. Company Health Check FAQs

Health Check Image
Health Rating4.5out of 5
positive_score

4 Strong

positive_score

4 Regular

positive_score

1 Weak

size

Size

annual sales of £2.7m, make it smaller than the average company (£4.8m)

£2.7m - Loan Logics Limited

£4.8m - Industry AVG

growth

Growth

3 year (CAGR) sales growth of 13%, show it is growing at a faster rate (7.3%)

13% - Loan Logics Limited

7.3% - Industry AVG

production

Production

with a gross margin of 59.8%, this company has a comparable cost of product (59.8%)

59.8% - Loan Logics Limited

59.8% - Industry AVG

profitability

Profitability

an operating margin of 40.2% make it more profitable than the average company (17.5%)

40.2% - Loan Logics Limited

17.5% - Industry AVG

employees

Employees

with 7 employees, this is above the industry average (5)

7 - Loan Logics Limited

5 - Industry AVG

paystructure

Pay Structure

on an average salary of £64.7k, the company has an equivalent pay structure (£64.7k)

£64.7k - Loan Logics Limited

£64.7k - Industry AVG

efficiency

Efficiency

resulting in sales per employee of £387.3k, this is equally as efficient (£387.3k)

£387.3k - Loan Logics Limited

£387.3k - Industry AVG

debtordays

Debtor Days

There is insufficient data available for this Key Performance Indicator!

- - Loan Logics Limited

- - Industry AVG

creditordays

Creditor Days

There is insufficient data available for this Key Performance Indicator!

- - Loan Logics Limited

- - Industry AVG

stockdays

Stock Days

There is insufficient data available for this Key Performance Indicator!

- - Loan Logics Limited

- - Industry AVG

cashbalance

Cash Balance

has cash to cover current liabilities for 17 weeks, this is more cash available to meet short term requirements (7 weeks)

17 weeks - Loan Logics Limited

7 weeks - Industry AVG

debtlevel

Debt Level

it has a ratio of liabilities to total assets of 92.4%, this is a similar level of debt than the average (88.8%)

92.4% - Loan Logics Limited

88.8% - Industry AVG

LOAN LOGICS LIMITED financials

EXPORTms excel logo

Loan Logics Limited's latest turnover from March 2024 is estimated at £2.7 million and the company has net assets of £745.6 thousand. According to their latest financial statements, Loan Logics Limited has 7 employees and maintains cash reserves of £208.7 thousand as reported in the balance sheet.

Data source: Companies HousePomanda Estimates

Mar 2024Mar 2023Mar 2022Mar 2021Mar 2020Mar 2019Mar 2018Mar 2017Mar 2016Mar 2015
Turnover2,710,8242,680,4312,536,5851,899,0481,814,4101,856,8681,197,695319,479312,944200,548
Other Income Or Grants
Cost Of Sales1,090,926911,819719,242562,270557,922557,155294,97890,07591,45852,546
Gross Profit1,619,8981,768,6121,817,3431,336,7781,256,4881,299,713902,717229,404221,486148,002
Admin Expenses531,491671,5221,015,083528,794455,191457,326256,525-286,399-56,588130,179
Operating Profit1,088,4071,097,090802,260807,984801,297842,387646,192515,803278,07417,823
Interest Payable1,012,696984,082700,726703,235690,277680,357559,258
Interest Receivable15,88317,2773,5093913062,7061,924
Pre-Tax Profit91,595130,285105,043105,141111,327164,73688,85859,71754,32818,044
Tax-22,899-24,754-19,958-19,977-21,152-31,300-16,883-12,373-10,950-3,363
Profit After Tax68,696105,53185,08585,16490,175133,43671,97547,34443,37814,681
Dividends Paid
Retained Profit68,696105,53185,08585,16490,175133,43671,97547,34443,37814,681
Employee Costs452,599423,782420,120398,787367,349349,744239,700293,28072,86099,916
Number Of Employees7777775625
EBITDA*1,090,5251,097,146802,335808,084801,430842,565646,429516,119278,49518,384

* Earnings Before Interest, Tax, Depreciation and Amortisation

Mar 2024Mar 2023Mar 2022Mar 2021Mar 2020Mar 2019Mar 2018Mar 2017Mar 2016Mar 2015
Tangible Assets7,8581682242993995327099451,2601,680
Intangible Assets1234
Investments & Other
Debtors (Due After 1 year)9,181,23510,027,326
Total Fixed Assets9,189,09310,027,4942242993995327109471,2631,684
Stock & work in progress
Trade Debtors
Group Debtors
Misc Debtors436,290458,49410,516,99211,816,23712,945,87911,388,97210,062,0628,110,0227,539,6278,272,907
Cash208,662396,423416,617519,211263,394349,338372,212397,298329,073304,179
misc current assets
total current assets644,952854,91710,933,60912,335,44813,209,27311,738,31010,434,2748,507,3207,868,7008,577,086
total assets9,834,04510,882,41110,933,83312,335,74713,209,67211,738,84210,434,9848,508,2677,869,9638,578,770
Bank overdraft
Bank loan20,00020,00020,00013,333
Trade Creditors 4912,0471,8094,4365,6095,29913,023
Group/Directors Accounts40,07553,00050,250
other short term finances
hp & lease commitments
other current liabilities564,422633,036630,153768,835829,822770,814749,656692,634870,047626,579
total current liabilities624,497706,036700,403782,659831,869772,623754,092698,243875,346639,602
loans8,463,9839,499,5069,662,09211,066,83511,976,71410,655,3059,503,4147,704,5216,936,458
hp & lease commitments
Accruals and Deferred Income
other liabilities7,924,485
provisions
total long term liabilities8,463,9839,499,5069,662,09211,066,83511,976,71410,655,3059,503,4147,704,5216,936,4587,924,485
total liabilities9,088,48010,205,54210,362,49511,849,49412,808,58311,427,92810,257,5068,402,7647,811,8048,564,087
net assets745,565676,869571,338486,253401,089310,914177,478105,50358,15914,683
total shareholders funds745,565676,869571,338486,253401,089310,914177,478105,50358,15914,683
Mar 2024Mar 2023Mar 2022Mar 2021Mar 2020Mar 2019Mar 2018Mar 2017Mar 2016Mar 2015
Operating Activities
Operating Profit1,088,4071,097,090802,260807,984801,297842,387646,192515,803278,07417,823
Depreciation2,1185675100133177236315420560
Amortisation11111
Tax-22,899-24,754-19,958-19,977-21,152-31,300-16,883-12,373-10,950-3,363
Stock
Debtors-868,295-31,172-1,299,245-1,129,6421,556,9071,326,9101,952,040570,395-733,2808,272,907
Creditors-491-1,556238-2,627-1,173310-7,72413,023
Accruals and Deferred Income-68,6142,883-138,682-60,98759,00821,15857,022-177,413243,468626,579
Deferred Taxes & Provisions
Cash flow from operations1,867,3071,106,4471,942,4491,855,206-717,383-497,114-1,266,645-243,7521,236,569-7,618,284
Investing Activities
capital expenditure-9,808-2,245
Change in Investments
cash flow from investments-9,808-2,245
Financing Activities
Bank loans6,66713,333
Group/Directors Accounts-12,9252,75050,250
Other Short Term Loans
Long term loans-1,035,523-162,586-1,404,743-909,8791,321,4091,151,8911,798,893768,0636,936,458
Hire Purchase and Lease Commitments
other long term liabilities-7,924,4857,924,485
share issue982
interest-996,813-966,805-697,217-702,844-689,971-677,651-557,334
cash flow from financing-2,045,261-1,126,641-2,045,043-1,599,390631,438474,2401,241,559768,063-987,9297,924,487
cash and cash equivalents
cash-187,761-20,194-102,594255,817-85,944-22,874-25,08668,22524,894304,179
overdraft
change in cash-187,761-20,194-102,594255,817-85,944-22,874-25,08668,22524,894304,179

loan logics limited 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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Loan Logics Limited Competitor Analysis

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Perform a competitor analysis for loan logics limited by selecting its closest rivals, whether from the FINANCIAL AND INSURANCE ACTIVITIES sector, other small companies, companies in E20 area or any other competitors across 12 key performance metrics.

loan logics limited Ownership

LOAN LOGICS LIMITED group structure

Loan Logics Limited has no subsidiary companies.

Ultimate parent company

LOAN LOGICS LIMITED

08723302

LOAN LOGICS LIMITED Shareholders

richard street 48%
jane marian fisher 26%
trevor malcolm newman 26%

loan logics limited directors

Loan Logics Limited currently has 3 directors. The longest serving directors include Ms Jane Fisher (Oct 2013) and Mr Trevor Newman (Jun 2015).

officercountryagestartendrole
Ms Jane FisherUnited Kingdom69 years Oct 2013- Director
Mr Trevor NewmanEngland78 years Jun 2015- Director
Ms Kim MartinEngland53 years Feb 2025- Director

P&L

March 2024

turnover

2.7m

+1%

operating profit

1.1m

0%

gross margin

59.8%

-9.44%

turnover

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

Balance Sheet

March 2024

net assets

745.6k

+0.1%

total assets

9.8m

-0.1%

cash

208.7k

-0.47%

net assets

Total assets minus all liabilities

loan logics limited company details

company number

08723302

Type

Private limited with Share Capital

industry

64929 - Other credit granting (not including credit granting by non-deposit taking finance houses and other specialist consumer credit grantors and activities of mortgage finance companies) n.e.c.

incorporation date

October 2013

age

12

incorporated

UK

ultimate parent company

None

accounts

Small Company

last accounts submitted

March 2024

previous names

N/A

accountant

LB GROUP LIMITED

auditor

-

address

19th floor 1 westfield avenue, london, E20 1HZ

Bank

-

Legal Advisor

-

loan logics 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 loan logics limited.

loan logics 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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loan logics limited Companies House Filings - See Documents

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