james financial and investments limited
james financial and investments limited Company Information
Company Number
08987636
Next Accounts
Dec 2025
Shareholders
james & graven ltd
Group Structure
View All
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.
+1Registered Address
4 hazel court midland way, barlborough, chesterfield, derbyshire, S43 4FD
Website
-james financial and investments limited Estimated Valuation
Pomanda estimates the enterprise value of JAMES FINANCIAL AND INVESTMENTS LIMITED at £712.7k based on a Turnover of £666.1k and 1.07x industry multiple (adjusted for size and gross margin).
james financial and investments limited Estimated Valuation
Pomanda estimates the enterprise value of JAMES FINANCIAL AND INVESTMENTS LIMITED at £326.8k based on an EBITDA of £83.8k and a 3.9x industry multiple (adjusted for size and gross margin).
james financial and investments limited Estimated Valuation
Pomanda estimates the enterprise value of JAMES FINANCIAL AND INVESTMENTS LIMITED at £16.1m based on Net Assets of £7.5m and 2.15x industry multiple (adjusted for liquidity).
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James Financial And Investments Limited Overview
James Financial And Investments Limited is a live company located in chesterfield, S43 4FD with a Companies House number of 08987636. It operates in the credit granting by non-deposit taking finance houses and other specialist consumer credit grantors sector, SIC Code 64921. Founded in April 2014, it's largest shareholder is james & graven ltd with a 100% stake. James Financial And Investments Limited is a established, small sized company, Pomanda has estimated its turnover at £666.1k with rapid growth in recent years.
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James Financial And Investments Limited Health Check
Pomanda's financial health check has awarded James Financial And Investments Limited a 3 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
2 Strong
3 Regular
4 Weak
Size
annual sales of £666.1k, make it smaller than the average company (£12m)
- James Financial And Investments Limited
£12m - Industry AVG
Growth
3 year (CAGR) sales growth of 2056%, show it is growing at a faster rate (14%)
- James Financial And Investments Limited
14% - Industry AVG
Production
with a gross margin of 37.7%, this company has a comparable cost of product (37.7%)
- James Financial And Investments Limited
37.7% - Industry AVG
Profitability
an operating margin of 12.6% make it as profitable than the average company (12.9%)
- James Financial And Investments Limited
12.9% - Industry AVG
Employees
with 2 employees, this is below the industry average (8)
2 - James Financial And Investments Limited
8 - Industry AVG
Pay Structure
on an average salary of £65.3k, the company has an equivalent pay structure (£65.3k)
- James Financial And Investments Limited
£65.3k - Industry AVG
Efficiency
resulting in sales per employee of £333.1k, this is less efficient (£399.4k)
- James Financial And Investments Limited
£399.4k - Industry AVG
Debtor Days
There is insufficient data available for this Key Performance Indicator!
- James Financial And Investments Limited
- - Industry AVG
Creditor Days
its suppliers are paid after 12 days, this is quicker than average (77 days)
- James Financial And Investments Limited
77 days - Industry AVG
Stock Days
There is insufficient data available for this Key Performance Indicator!
- James Financial And Investments Limited
- - Industry AVG
Cash Balance
There is insufficient data available for this Key Performance Indicator!
- - James Financial And Investments Limited
- - Industry AVG
Debt Level
it has a ratio of liabilities to total assets of 4.7%, this is a lower level of debt than the average (94.4%)
4.7% - James Financial And Investments Limited
94.4% - Industry AVG
JAMES FINANCIAL AND INVESTMENTS LIMITED financials
James Financial And Investments Limited's latest turnover from March 2024 is estimated at £666.1 thousand and the company has net assets of £7.5 million. According to their latest financial statements, James Financial And Investments Limited has 2 employees and maintains cash reserves of 0 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 | |
|---|---|---|---|---|---|---|---|---|---|---|
| Turnover | 234,533 | 250,452 | 256,302 | 240,062 | 163,308 | |||||
| Other Income Or Grants | ||||||||||
| Cost Of Sales | ||||||||||
| Gross Profit | ||||||||||
| Admin Expenses | ||||||||||
| Operating Profit | 190,633 | 206,956 | 212,665 | |||||||
| Interest Payable | ||||||||||
| Interest Receivable | ||||||||||
| Pre-Tax Profit | 190,633 | 206,956 | 212,665 | 195,146 | 161,713 | |||||
| Tax | -36,296 | -39,322 | -42,357 | -37,078 | -32,343 | |||||
| Profit After Tax | 154,337 | 167,634 | 170,308 | 158,068 | 129,370 | |||||
| Dividends Paid | ||||||||||
| Retained Profit | 154,337 | 167,634 | 170,308 | 158,068 | 129,370 | |||||
| Employee Costs | ||||||||||
| Number Of Employees | 2 | 2 | 2 | 2 | 2 | |||||
| EBITDA* | 190,633 | 206,956 | 212,665 |
* 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 | |
|---|---|---|---|---|---|---|---|---|---|---|
| Tangible Assets | ||||||||||
| Intangible Assets | ||||||||||
| Investments & Other | ||||||||||
| Debtors (Due After 1 year) | 5,434,702 | 5,702,561 | ||||||||
| Total Fixed Assets | 5,434,702 | 5,702,561 | ||||||||
| Stock & work in progress | ||||||||||
| Trade Debtors | 4,834,800 | |||||||||
| Group Debtors | 878,412 | 830,707 | 5,302,542 | 5,050,676 | 5,260,250 | 5,558,967 | 5,849,156 | 6,092,174 | 4,264,848 | |
| Misc Debtors | 1,550,678 | 774,300 | 1,876,041 | 2,081,683 | 2,200,345 | 2,446,003 | 2,647,654 | 2,688,570 | 2,339,711 | |
| Cash | 173,519 | 237,089 | 155,775 | 127,196 | 50,350 | 47,380 | 3,211 | 1,032 | ||
| misc current assets | ||||||||||
| total current assets | 2,429,090 | 1,778,526 | 7,415,672 | 7,288,134 | 7,587,791 | 8,055,320 | 8,544,190 | 8,783,955 | 6,605,591 | 4,834,800 |
| total assets | 7,863,792 | 7,481,087 | 7,415,672 | 7,288,134 | 7,587,791 | 8,055,320 | 8,544,190 | 8,783,955 | 6,605,591 | 4,834,800 |
| Bank overdraft | 298,220 | |||||||||
| Bank loan | ||||||||||
| Trade Creditors | 13,740 | 480 | 40 | 40 | 40 | 540 | ||||
| Group/Directors Accounts | 437,478 | 1,052,878 | 1,708,278 | 2,121,678 | 109,078 | |||||
| other short term finances | ||||||||||
| hp & lease commitments | ||||||||||
| other current liabilities | 53,489 | 35,940 | 33,838 | 33,504 | 36,296 | 42,802 | 43,906 | 40,579 | 32,883 | |
| total current liabilities | 365,449 | 36,420 | 33,878 | 33,544 | 473,814 | 1,095,680 | 1,752,184 | 2,162,257 | 141,961 | 540 |
| loans | ||||||||||
| hp & lease commitments | ||||||||||
| Accruals and Deferred Income | ||||||||||
| other liabilities | ||||||||||
| provisions | ||||||||||
| total long term liabilities | ||||||||||
| total liabilities | 365,449 | 36,420 | 33,878 | 33,544 | 473,814 | 1,095,680 | 1,752,184 | 2,162,257 | 141,961 | 540 |
| net assets | 7,498,343 | 7,444,667 | 7,381,794 | 7,254,590 | 7,113,977 | 6,959,640 | 6,792,006 | 6,621,698 | 6,463,630 | 4,834,260 |
| total shareholders funds | 7,498,343 | 7,444,667 | 7,381,794 | 7,254,590 | 7,113,977 | 6,959,640 | 6,792,006 | 6,621,698 | 6,463,630 | 4,834,260 |
| Mar 2024 | Mar 2023 | Mar 2022 | Mar 2021 | Mar 2020 | Mar 2019 | Mar 2018 | Mar 2017 | Mar 2016 | Mar 2015 | |
|---|---|---|---|---|---|---|---|---|---|---|
| Operating Activities | ||||||||||
| Operating Profit | 190,633 | 206,956 | 212,665 | |||||||
| Depreciation | ||||||||||
| Amortisation | ||||||||||
| Tax | -36,296 | -39,322 | -42,357 | -37,078 | -32,343 | |||||
| Stock | ||||||||||
| Debtors | 556,224 | 128,985 | 46,224 | -328,236 | -544,375 | -491,840 | -283,934 | 2,176,185 | 1,769,759 | 4,834,800 |
| Creditors | 13,260 | 440 | 40 | -540 | 540 | |||||
| Accruals and Deferred Income | 17,549 | 2,102 | 334 | -2,792 | -6,506 | -1,104 | 3,327 | 7,696 | 32,883 | |
| Deferred Taxes & Provisions | ||||||||||
| Cash flow from operations | 692,246 | 658,370 | 457,569 | |||||||
| Investing Activities | ||||||||||
| capital expenditure | ||||||||||
| Change in Investments | ||||||||||
| cash flow from investments | ||||||||||
| Financing Activities | ||||||||||
| Bank loans | ||||||||||
| Group/Directors Accounts | -437,478 | -615,400 | -655,400 | -413,400 | 2,012,600 | 109,078 | ||||
| Other Short Term Loans | ||||||||||
| Long term loans | ||||||||||
| Hire Purchase and Lease Commitments | ||||||||||
| other long term liabilities | ||||||||||
| share issue | ||||||||||
| interest | ||||||||||
| cash flow from financing | -615,400 | -655,400 | -413,400 | 2,012,600 | 1,609,078 | |||||
| cash and cash equivalents | ||||||||||
| cash | -173,519 | -63,570 | 81,314 | 28,579 | 76,846 | 2,970 | 44,169 | 2,179 | 1,032 | |
| overdraft | 298,220 | |||||||||
| change in cash | -471,739 | -63,570 | 81,314 | 28,579 | 76,846 | 2,970 | 44,169 | 2,179 | 1,032 |
james financial and investments limited Credit Report and Business Information
James Financial And Investments Limited Competitor Analysis
Perform a competitor analysis for james financial and investments limited by selecting its closest rivals, whether from the FINANCIAL AND INSURANCE ACTIVITIES sector, other small companies, companies in S43 area or any other competitors across 12 key performance metrics.
james financial and investments limited Ownership
JAMES FINANCIAL AND INVESTMENTS LIMITED group structure
James Financial And Investments Limited has no subsidiary companies.
Ultimate parent company
2 parents
JAMES FINANCIAL AND INVESTMENTS LIMITED
08987636
james financial and investments limited directors
James Financial And Investments Limited currently has 2 directors. The longest serving directors include Mr Jonathan James (Apr 2014) and Mrs Rebecca James (Apr 2014).
| officer | country | age | start | end | role |
|---|---|---|---|---|---|
| Mr Jonathan James | 56 years | Apr 2014 | - | Director | |
| Mrs Rebecca James | England | 55 years | Apr 2014 | - | Director |
P&L
March 2024turnover
666.1k
+20%
operating profit
83.8k
0%
gross margin
37.7%
-11.77%
turnover
Turnover, or revenue, is the amount of sales generated by a company within the financial year.
Balance Sheet
March 2024net assets
7.5m
+0.01%
total assets
7.9m
+0.05%
cash
0
-1%
net assets
Total assets minus all liabilities
james financial and investments limited company details
company number
08987636
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.
64921 - Credit granting by non-deposit taking finance houses and other specialist consumer credit grantors
incorporation date
April 2014
age
11
incorporated
UK
ultimate parent company
accounts
Total Exemption Full
last accounts submitted
March 2024
previous names
N/A
accountant
-
auditor
-
address
4 hazel court midland way, barlborough, chesterfield, derbyshire, S43 4FD
Bank
-
Legal Advisor
-
james financial and investments 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 james financial and investments limited. Currently there are 2 open charges and 1 have been satisfied in the past.
james financial and investments 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.
Click to start generating capital raising & share issue transactions for JAMES FINANCIAL AND INVESTMENTS LIMITED. This can take several minutes, an email will notify you when this has completed.
james financial and investments limited Companies House Filings - See Documents
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