credit4 limited

2

credit4 limited Company Information

Share CREDIT4 LIMITED
Live 
EstablishedSmallDeclining

Company Number

08738775

Registered Address

5 seaforth place, london, SW1E 6AB

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.

 

Telephone

02036370570

Next Accounts Due

July 2024

Group Structure

View All

Directors

David Maxwell10 Years

Gary Trott10 Years

View All

Shareholders

gary trott 45%

david maxwell 45%

View All

credit4 limited Estimated Valuation

£3.1m

Pomanda estimates the enterprise value of CREDIT4 LIMITED at £3.1m based on a Turnover of £2.6m and 1.19x industry multiple (adjusted for size and gross margin).

credit4 limited Estimated Valuation

£1.4m

Pomanda estimates the enterprise value of CREDIT4 LIMITED at £1.4m based on an EBITDA of £310k and a 4.57x industry multiple (adjusted for size and gross margin).

credit4 limited Estimated Valuation

£0

Pomanda estimates the enterprise value of CREDIT4 LIMITED at £0 based on Net Assets of £-1.1m and 1.81x industry multiple (adjusted for liquidity).

Valuation Calculator
This valuation is estimated based on financial data from October 2022 

Credit4 Limited AI Business Plan

In just minutes, we combine Pomanda’s company and industry data with cutting edge Artificial Intelligence to build a comprehensive 27 section business plan. You then have 60 days to tailor the information, decide which sections to include or exclude, and add your own branding logos, images and color scheme to create your perfect plan.

View Sample

Credit4 Limited Overview

Credit4 Limited is a live company located in london, SW1E 6AB with a Companies House number of 08738775. It operates in the other credit granting n.e.c. sector, SIC Code 64929. Founded in October 2013, it's largest shareholder is gary trott with a 45% stake. Credit4 Limited is a established, small sized company, Pomanda has estimated its turnover at £2.6m with declining growth in recent years.

View Sample
View Sample
View Sample

Upgrade for unlimited company reports & a free credit check

Credit4 Limited Health Check

Pomanda's financial health check has awarded Credit4 Limited a 2 rating. We use a traffic light system to show it exceeds the industry average on 1 measures and has 5 areas for improvement. Company Health Check FAQs

Health Check Image
Health Rating2out of 5
positive_score

1 Strong

positive_score

5 Regular

positive_score

5 Weak

size

Size

annual sales of £2.6m, make it in line with the average company (£3m)

£2.6m - Credit4 Limited

£3m - Industry AVG

growth

Growth

3 year (CAGR) sales growth of -14%, show it is growing at a slower rate (3.4%)

-14% - Credit4 Limited

3.4% - Industry AVG

production

Production

with a gross margin of 68.2%, this company has a comparable cost of product (68.2%)

68.2% - Credit4 Limited

68.2% - Industry AVG

profitability

Profitability

an operating margin of 11.5% make it less profitable than the average company (23.9%)

11.5% - Credit4 Limited

23.9% - Industry AVG

employees

Employees

with 8 employees, this is above the industry average (5)

8 - Credit4 Limited

5 - Industry AVG

paystructure

Pay Structure

on an average salary of £62.8k, the company has an equivalent pay structure (£62.8k)

£62.8k - Credit4 Limited

£62.8k - Industry AVG

efficiency

Efficiency

resulting in sales per employee of £331k, this is equally as efficient (£358.2k)

£331k - Credit4 Limited

£358.2k - Industry AVG

debtordays

Debtor Days

it gets paid by customers after 477 days, this is later than average (393 days)

477 days - Credit4 Limited

393 days - Industry AVG

creditordays

Creditor Days

its suppliers are paid after 24 days, this is close to average (23 days)

24 days - Credit4 Limited

23 days - Industry AVG

stockdays

Stock Days

There is insufficient data available for this Key Performance Indicator!

- - Credit4 Limited

- - Industry AVG

cashbalance

Cash Balance

has cash to cover current liabilities for 5 weeks, this is less cash available to meet short term requirements (15 weeks)

5 weeks - Credit4 Limited

15 weeks - Industry AVG

debtlevel

Debt Level

it has a ratio of liabilities to total assets of 122.7%, this is a higher level of debt than the average (92.4%)

122.7% - Credit4 Limited

92.4% - Industry AVG

credit4 limited 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 credit4 limited. Get real-time insights into credit4 limited's credit score, group structure and payment trends.

From as little as £6.99

This will not impact your credit rating!

View Credit Report Sample

Credit4 Limited Competitor Analysis

BETA
competitor_analysis_table_img

Perform a competitor analysis for credit4 limited by selecting its closest rivals and benchmarking them against 12 key performance metrics.

credit4 limited Ownership

CREDIT4 LIMITED group structure

Credit4 Limited has no subsidiary companies.

Ultimate parent company

CREDIT4 LIMITED

08738775

CREDIT4 LIMITED Shareholders

gary trott 45%
david maxwell 45%
david culverhouse 9.99%

credit4 limited directors

Credit4 Limited currently has 3 directors. The longest serving directors include Mr David Maxwell (Oct 2013) and Mr Gary Trott (Oct 2013).

officercountryagestartendrole
Mr David MaxwellUnited Kingdom45 years Oct 2013- Director
Mr Gary TrottUnited Kingdom52 years Oct 2013- Director
Mr David CulverhouseUnited Kingdom36 years Apr 2021- Director

CREDIT4 LIMITED financials

EXPORTms excel logo

Credit4 Limited's latest turnover from October 2022 is estimated at £2.6 million and the company has net assets of -£1.1 million. According to their latest financial statements, Credit4 Limited has 8 employees and maintains cash reserves of £256.8 thousand as reported in the balance sheet.

Data source: Companies HousePomanda Estimates

Oct 2022Oct 2021Oct 2020Oct 2019Oct 2018Oct 2017Oct 2016Oct 2015Oct 2014
Turnover2,648,2362,749,0783,496,2394,174,0421,884,7331,400,7851,263,9242,502,8841,258,618
Other Income Or Grants000000000
Cost Of Sales842,786869,1831,088,0551,351,304450,475393,252413,666652,842370,140
Gross Profit1,805,4501,879,8952,408,1842,822,7371,434,2581,007,532850,2581,850,042888,478
Admin Expenses1,500,4511,459,2522,015,5052,850,8011,697,5511,261,3611,133,0321,941,732919,082
Operating Profit304,999420,643392,679-28,064-263,293-253,829-282,774-91,690-30,604
Interest Payable312,725270,877300,767232,74772,58312,500000
Interest Receivable4,7992191874611901092072856
Pre-Tax Profit-2,927149,98492,099-260,350-335,686-266,220-282,567-91,405-30,598
Tax0-28,497-17,499000000
Profit After Tax-2,927121,48774,600-260,350-335,686-266,220-282,567-91,405-30,598
Dividends Paid000000000
Retained Profit-2,927121,48774,600-260,350-335,686-266,220-282,567-91,405-30,598
Employee Costs502,575550,004699,537599,561302,630181,196150,378315,101200,873
Number Of Employees89131264496
EBITDA*310,010427,161401,371-18,392-253,293-244,598-279,537-86,490-28,700

* Earnings Before Interest, Tax, Depreciation and Amortisation

Oct 2022Oct 2021Oct 2020Oct 2019Oct 2018Oct 2017Oct 2016Oct 2015Oct 2014
Tangible Assets15,03419,55526,07329,01830,00027,6929,70915,5975,714
Intangible Assets000000000
Investments & Other000000000
Debtors (Due After 1 year)809,5671,414,6730000000
Total Fixed Assets824,6011,434,22826,07329,01830,00027,6929,70915,5975,714
Stock & work in progress000000000
Trade Debtors3,466,9573,821,1435,732,0096,016,8282,332,3771,186,379899,4981,047,846488,775
Group Debtors000000000
Misc Debtors178,926148,369132,910173,85091,95321,50957,8985000
Cash256,813169,789267,480105,77917,21733,53753,696111,8662,229
misc current assets000000000
total current assets3,902,6964,139,3016,132,3996,296,4572,441,5471,241,4251,011,0921,160,212491,004
total assets4,727,2975,573,5296,158,4726,325,4752,471,5471,269,1171,020,8011,175,809496,718
Bank overdraft00000400,000000
Bank loan000000000
Trade Creditors 57,36450,12254,11195,49972,78447,24418,2211,296,701522,687
Group/Directors Accounts00001,320,1160003,629
other short term finances000000000
hp & lease commitments000000000
other current liabilities2,326,8772,427,4242,579,8652,350,080333,4011,491,5521,406,03900
total current liabilities2,384,2412,477,5462,633,9762,445,5791,726,3011,938,7961,424,2601,296,701526,316
loans3,415,6114,165,6114,715,6115,145,6111,750,6110000
hp & lease commitments000000000
Accruals and Deferred Income000000000
other liabilities000000000
provisions000000000
total long term liabilities3,415,6114,165,6114,715,6115,145,6111,750,6110000
total liabilities5,799,8526,643,1577,349,5877,591,1903,476,9121,938,7961,424,2601,296,701526,316
net assets-1,072,555-1,069,628-1,191,115-1,265,715-1,005,365-669,679-403,459-120,892-29,598
total shareholders funds-1,072,555-1,069,628-1,191,115-1,265,715-1,005,365-669,679-403,459-120,892-29,598
Oct 2022Oct 2021Oct 2020Oct 2019Oct 2018Oct 2017Oct 2016Oct 2015Oct 2014
Operating Activities
Operating Profit304,999420,643392,679-28,064-263,293-253,829-282,774-91,690-30,604
Depreciation5,0116,5188,6929,67210,0009,2313,2375,2001,904
Amortisation000000000
Tax0-28,497-17,499000000
Stock000000000
Debtors-928,735-480,734-325,7593,766,3481,216,442250,492-90,950559,571488,775
Creditors7,242-3,989-41,38822,71525,54029,023-1,278,480774,014522,687
Accruals and Deferred Income-100,547-152,441229,7852,016,679-1,158,15185,5131,406,03900
Deferred Taxes & Provisions000000000
Cash flow from operations1,145,440722,968898,028-1,745,346-2,602,346-380,554-61,028127,9535,212
Investing Activities
capital expenditure-4900-5,747-8,690-12,308-27,2142,651-15,083-7,618
Change in Investments000000000
cash flow from investments-4900-5,747-8,690-12,308-27,2142,651-15,083-7,618
Financing Activities
Bank loans000000000
Group/Directors Accounts000-1,320,1161,320,11600-3,6293,629
Other Short Term Loans 000000000
Long term loans-750,000-550,000-430,0003,395,0001,750,6110000
Hire Purchase and Lease Commitments000000000
other long term liabilities000000000
share issue00000001111,000
interest-307,926-270,658-300,580-232,286-72,393-12,3912072856
cash flow from financing-1,057,926-820,658-730,5801,842,5982,998,334-12,391207-3,2334,635
cash and cash equivalents
cash87,024-97,691161,70188,562-16,320-20,159-58,170109,6372,229
overdraft0000-400,000400,000000
change in cash87,024-97,691161,70188,562383,680-420,159-58,170109,6372,229

P&L

October 2022

turnover

2.6m

-4%

operating profit

305k

0%

gross margin

68.2%

-0.3%

turnover

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

Balance Sheet

October 2022

net assets

-1.1m

0%

total assets

4.7m

-0.15%

cash

256.8k

+0.51%

net assets

Total assets minus all liabilities

credit4 limited company details

company number

08738775

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

11

accounts

Total Exemption Full

ultimate parent company

None

previous names

N/A

incorporated

UK

address

5 seaforth place, london, SW1E 6AB

last accounts submitted

October 2022

credit4 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 3 charges/mortgages relating to credit4 limited. Currently there are 2 open charges and 1 have been satisfied in the past.

charges

credit4 limited Companies House Filings - See Documents

datedescriptionview/download