z & f interiors limited
z & f interiors limited Company Information
Company Number
09062595
Next Accounts
Feb 2026
Directors
Shareholders
linda scott
james stephen scott
Group Structure
View All
Industry
Joinery installation
Registered Address
unit 3a sandars road, heapham road industrial estate, gainsborough, lincolnshire, DN21 1RZ
z & f interiors limited Estimated Valuation
Pomanda estimates the enterprise value of Z & F INTERIORS LIMITED at £67.1k based on a Turnover of £267.3k and 0.25x industry multiple (adjusted for size and gross margin).
z & f interiors limited Estimated Valuation
Pomanda estimates the enterprise value of Z & F INTERIORS LIMITED at £134.2k based on an EBITDA of £35.6k and a 3.77x industry multiple (adjusted for size and gross margin).
z & f interiors limited Estimated Valuation
Pomanda estimates the enterprise value of Z & F INTERIORS LIMITED at £10.7k based on Net Assets of £5.5k and 1.94x industry multiple (adjusted for liquidity).
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Z & F Interiors Limited Overview
Z & F Interiors Limited is a live company located in gainsborough, DN21 1RZ with a Companies House number of 09062595. It operates in the joinery installation sector, SIC Code 43320. Founded in May 2014, it's largest shareholder is linda scott with a 50% stake. Z & F Interiors Limited is a established, micro sized company, Pomanda has estimated its turnover at £267.3k with high growth in recent years.
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Z & F Interiors Limited Health Check
Pomanda's financial health check has awarded Z & F Interiors Limited a 3.5 rating. We use a traffic light system to show it exceeds the industry average on 5 measures and has 5 areas for improvement. Company Health Check FAQs
5 Strong
2 Regular
5 Weak
Size
annual sales of £267.3k, make it larger than the average company (£200k)
- Z & F Interiors Limited
£200k - Industry AVG
Growth
3 year (CAGR) sales growth of 30%, show it is growing at a faster rate (12.4%)
- Z & F Interiors Limited
12.4% - Industry AVG
Production
with a gross margin of 30.6%, this company has a comparable cost of product (30.6%)
- Z & F Interiors Limited
30.6% - Industry AVG
Profitability
an operating margin of 12.5% make it more profitable than the average company (8.9%)
- Z & F Interiors Limited
8.9% - Industry AVG
Employees
with 3 employees, this is above the industry average (2)
3 - Z & F Interiors Limited
2 - Industry AVG
Pay Structure
on an average salary of £26.9k, the company has an equivalent pay structure (£26.9k)
- Z & F Interiors Limited
£26.9k - Industry AVG
Efficiency
resulting in sales per employee of £89.1k, this is less efficient (£108.8k)
- Z & F Interiors Limited
£108.8k - Industry AVG
Debtor Days
it gets paid by customers after 80 days, this is later than average (48 days)
- Z & F Interiors Limited
48 days - Industry AVG
Creditor Days
its suppliers are paid after 26 days, this is quicker than average (36 days)
- Z & F Interiors Limited
36 days - Industry AVG
Stock Days
it holds stock equivalent to 4 days, this is less than average (23 days)
- Z & F Interiors Limited
23 days - Industry AVG
Cash Balance
has cash to cover current liabilities for 17 weeks, this is less cash available to meet short term requirements (32 weeks)
17 weeks - Z & F Interiors Limited
32 weeks - Industry AVG
Debt Level
it has a ratio of liabilities to total assets of 94.5%, this is a higher level of debt than the average (52%)
94.5% - Z & F Interiors Limited
52% - Industry AVG
Z & F INTERIORS LIMITED financials
Z & F Interiors Limited's latest turnover from May 2024 is estimated at £267.3 thousand and the company has net assets of £5.5 thousand. According to their latest financial statements, Z & F Interiors Limited has 3 employees and maintains cash reserves of £29.5 thousand as reported in the balance sheet.
Data source: Companies House, Pomanda Estimates
| May 2024 | May 2023 | May 2022 | May 2021 | May 2020 | May 2019 | May 2018 | May 2017 | May 2016 | May 2015 | |
|---|---|---|---|---|---|---|---|---|---|---|
| Turnover | ||||||||||
| Other Income Or Grants | ||||||||||
| Cost Of Sales | ||||||||||
| Gross Profit | ||||||||||
| Admin Expenses | ||||||||||
| Operating Profit | ||||||||||
| Interest Payable | ||||||||||
| Interest Receivable | ||||||||||
| Pre-Tax Profit | ||||||||||
| Tax | ||||||||||
| Profit After Tax | ||||||||||
| Dividends Paid | ||||||||||
| Retained Profit | ||||||||||
| Employee Costs | ||||||||||
| Number Of Employees | 3 | 3 | 3 | 3 | 3 | 3 | 3 | 3 | ||
| EBITDA* |
* Earnings Before Interest, Tax, Depreciation and Amortisation
| May 2024 | May 2023 | May 2022 | May 2021 | May 2020 | May 2019 | May 2018 | May 2017 | May 2016 | May 2015 | |
|---|---|---|---|---|---|---|---|---|---|---|
| Tangible Assets | 8,660 | 10,984 | 13,637 | 15,425 | 7,135 | 8,805 | 10,904 | 10,568 | 8,994 | 606 |
| Intangible Assets | ||||||||||
| Investments & Other | ||||||||||
| Debtors (Due After 1 year) | ||||||||||
| Total Fixed Assets | 8,660 | 10,984 | 13,637 | 15,425 | 7,135 | 8,805 | 10,904 | 10,568 | 8,994 | 606 |
| Stock & work in progress | 2,500 | 5,000 | 3,500 | 5,500 | 8,500 | 24,000 | 1,500 | 1,250 | 1,500 | 1,500 |
| Trade Debtors | 58,601 | 27,222 | 7,413 | 19,549 | 13,098 | 39,636 | 20,529 | 3,699 | 11,071 | 1,139 |
| Group Debtors | ||||||||||
| Misc Debtors | 1,294 | 328 | 370 | 275 | 2,108 | 260 | 7,045 | 1,073 | 6,953 | |
| Cash | 29,507 | 8,200 | 15,499 | 12,798 | 12,913 | 27,790 | 25,125 | 105,755 | 2,215 | 11,028 |
| misc current assets | ||||||||||
| total current assets | 91,902 | 40,750 | 26,782 | 38,122 | 36,619 | 91,686 | 54,199 | 111,777 | 21,739 | 13,667 |
| total assets | 100,562 | 51,734 | 40,419 | 53,547 | 43,754 | 100,491 | 65,103 | 122,345 | 30,733 | 14,273 |
| Bank overdraft | 3,600 | 3,600 | 3,300 | 3,300 | ||||||
| Bank loan | ||||||||||
| Trade Creditors | 13,439 | 3,847 | 2,389 | 5,400 | 971 | 40,956 | 15,461 | 25,675 | 6,823 | 8,501 |
| Group/Directors Accounts | 36,935 | 43,250 | 29,956 | 25,864 | 25,062 | 14,077 | 8,392 | 2,736 | 827 | |
| other short term finances | ||||||||||
| hp & lease commitments | 217 | 2,600 | 2,600 | 2,600 | ||||||
| other current liabilities | 36,258 | 12,954 | 14,665 | 11,855 | 10,536 | 17,781 | 15,026 | 42,414 | 5,480 | |
| total current liabilities | 90,232 | 63,651 | 50,310 | 46,419 | 36,569 | 73,031 | 41,479 | 73,425 | 15,730 | 8,501 |
| loans | 3,900 | 7,500 | 11,100 | 14,700 | ||||||
| hp & lease commitments | 217 | 2,817 | 5,633 | |||||||
| Accruals and Deferred Income | ||||||||||
| other liabilities | ||||||||||
| provisions | 921 | 720 | 1,673 | 2,072 | 2,008 | 1,799 | 121 | |||
| total long term liabilities | 4,821 | 7,500 | 11,100 | 14,700 | 720 | 1,673 | 2,289 | 4,825 | 7,432 | 121 |
| total liabilities | 95,053 | 71,151 | 61,410 | 61,119 | 37,289 | 74,704 | 43,768 | 78,250 | 23,162 | 8,622 |
| net assets | 5,509 | -19,417 | -20,991 | -7,572 | 6,465 | 25,787 | 21,335 | 44,095 | 7,571 | 5,651 |
| total shareholders funds | 5,509 | -19,417 | -20,991 | -7,572 | 6,465 | 25,787 | 21,335 | 44,095 | 7,571 | 5,651 |
| May 2024 | May 2023 | May 2022 | May 2021 | May 2020 | May 2019 | May 2018 | May 2017 | May 2016 | May 2015 | |
|---|---|---|---|---|---|---|---|---|---|---|
| Operating Activities | ||||||||||
| Operating Profit | ||||||||||
| Depreciation | 2,324 | 2,985 | 3,598 | 4,589 | 1,669 | 2,099 | 2,263 | 2,326 | 2,882 | 202 |
| Amortisation | ||||||||||
| Tax | ||||||||||
| Stock | -2,500 | 1,500 | -2,000 | -3,000 | -15,500 | 22,500 | 250 | -250 | 1,500 | |
| Debtors | 32,345 | 19,767 | -12,041 | 4,618 | -24,690 | 12,322 | 22,802 | -13,252 | 16,885 | 1,139 |
| Creditors | 9,592 | 1,458 | -3,011 | 4,429 | -39,985 | 25,495 | -10,214 | 18,852 | -1,678 | 8,501 |
| Accruals and Deferred Income | 23,304 | -1,711 | 2,810 | 1,319 | -7,245 | 2,755 | -27,388 | 36,934 | 5,480 | |
| Deferred Taxes & Provisions | 921 | -720 | -953 | -399 | 64 | 209 | 1,678 | 121 | ||
| Cash flow from operations | ||||||||||
| Investing Activities | ||||||||||
| capital expenditure | ||||||||||
| Change in Investments | ||||||||||
| cash flow from investments | ||||||||||
| Financing Activities | ||||||||||
| Bank loans | ||||||||||
| Group/Directors Accounts | -6,315 | 13,294 | 4,092 | 802 | 10,985 | 5,685 | 5,656 | 1,909 | 827 | |
| Other Short Term Loans | ||||||||||
| Long term loans | -3,600 | -3,600 | -3,600 | 14,700 | ||||||
| Hire Purchase and Lease Commitments | -217 | -2,600 | -2,600 | -2,816 | 8,233 | |||||
| other long term liabilities | ||||||||||
| share issue | ||||||||||
| interest | ||||||||||
| cash flow from financing | ||||||||||
| cash and cash equivalents | ||||||||||
| cash | 21,307 | -7,299 | 2,701 | -115 | -14,877 | 2,665 | -80,630 | 103,540 | -8,813 | 11,028 |
| overdraft | 300 | 3,300 | ||||||||
| change in cash | 21,307 | -7,599 | 2,701 | -3,415 | -14,877 | 2,665 | -80,630 | 103,540 | -8,813 | 11,028 |
z & f interiors limited Credit Report and Business Information
Z & F Interiors Limited Competitor Analysis
Perform a competitor analysis for z & f interiors limited by selecting its closest rivals, whether from the CONSTRUCTION sector, other micro companies, companies in DN21 area or any other competitors across 12 key performance metrics.
z & f interiors limited Ownership
Z & F INTERIORS LIMITED group structure
Z & F Interiors Limited has no subsidiary companies.
Ultimate parent company
Z & F INTERIORS LIMITED
09062595
z & f interiors limited directors
Z & F Interiors Limited currently has 1 director, Mr Stephen Scott serving since Apr 2019.
| officer | country | age | start | end | role |
|---|---|---|---|---|---|
| Mr Stephen Scott | England | 72 years | Apr 2019 | - | Director |
P&L
May 2024turnover
267.3k
+79%
operating profit
33.3k
0%
gross margin
30.6%
+15.62%
turnover
Turnover, or revenue, is the amount of sales generated by a company within the financial year.
Balance Sheet
May 2024net assets
5.5k
-1.28%
total assets
100.6k
+0.94%
cash
29.5k
+2.6%
net assets
Total assets minus all liabilities
z & f interiors limited company details
company number
09062595
Type
Private limited with Share Capital
industry
43320 - Joinery installation
incorporation date
May 2014
age
11
incorporated
UK
ultimate parent company
accounts
Total Exemption Full
last accounts submitted
May 2024
previous names
N/A
accountant
SHUCKSMITH ACCOUNTANTS (GAINSBOROUGH) LIMITED
auditor
-
address
unit 3a sandars road, heapham road industrial estate, gainsborough, lincolnshire, DN21 1RZ
Bank
-
Legal Advisor
-
z & f interiors 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 z & f interiors limited.
z & f interiors 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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z & f interiors limited Companies House Filings - See Documents
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