card saver ltd
card saver ltd Company Information
Company Number
09188754
Website
www.card-saver.co.ukRegistered Address
unit 2 darwin court, hawking place, blackpool, lancashire, FY2 0JN
Industry
Renting and leasing of other machinery, equipment and tangible goods n.e.c.
Other financial service activities, except insurance and pension funding, (not including security dealing on own account and factoring) n.e.c.
Telephone
03442938850
Next Accounts Due
July 2024
Group Structure
View All
Directors
Jamie Pilley1 Years
Shareholders
east pines holdings ltd 100%
card saver ltd Estimated Valuation
Pomanda estimates the enterprise value of CARD SAVER LTD at £9.5m based on a Turnover of £7.9m and 1.21x industry multiple (adjusted for size and gross margin).
card saver ltd Estimated Valuation
Pomanda estimates the enterprise value of CARD SAVER LTD at £6.9m based on an EBITDA of £1.4m and a 4.99x industry multiple (adjusted for size and gross margin).
card saver ltd Estimated Valuation
Pomanda estimates the enterprise value of CARD SAVER LTD at £0 based on Net Assets of £-2.3m and 1.98x industry multiple (adjusted for liquidity).
Edit your figures and get a professional valuation report.
Card Saver Ltd Overview
Card Saver Ltd is a live company located in blackpool, FY2 0JN with a Companies House number of 09188754. It operates in the renting and leasing of other machinery, equipment and tangible goods n.e.c. sector, SIC Code 77390. Founded in August 2014, it's largest shareholder is east pines holdings ltd with a 100% stake. Card Saver Ltd is a established, mid sized company, Pomanda has estimated its turnover at £7.9m with healthy growth in recent years.
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Card Saver Ltd Health Check
Pomanda's financial health check has awarded Card Saver Ltd a 2.5 rating. We use a traffic light system to show it exceeds the industry average on 4 measures and has 5 areas for improvement. Company Health Check FAQs
4 Strong
2 Regular
5 Weak
Size
annual sales of £7.9m, make it larger than the average company (£6.1m)
- Card Saver Ltd
£6.1m - Industry AVG
Growth
3 year (CAGR) sales growth of 5%, show it is growing at a faster rate (3.9%)
- Card Saver Ltd
3.9% - Industry AVG
Production
with a gross margin of 54.7%, this company has a comparable cost of product (54.7%)
- Card Saver Ltd
54.7% - Industry AVG
Profitability
an operating margin of 8.1% make it less profitable than the average company (13.3%)
- Card Saver Ltd
13.3% - Industry AVG
Employees
with 81 employees, this is above the industry average (25)
81 - Card Saver Ltd
25 - Industry AVG
Pay Structure
on an average salary of £57.3k, the company has an equivalent pay structure (£57.3k)
- Card Saver Ltd
£57.3k - Industry AVG
Efficiency
resulting in sales per employee of £97.4k, this is less efficient (£200.1k)
- Card Saver Ltd
£200.1k - Industry AVG
Debtor Days
it gets paid by customers after 28 days, this is earlier than average (47 days)
- Card Saver Ltd
47 days - Industry AVG
Creditor Days
its suppliers are paid after 18 days, this is quicker than average (42 days)
- Card Saver Ltd
42 days - Industry AVG
Stock Days
There is insufficient data available for this Key Performance Indicator!
- Card Saver Ltd
- - Industry AVG
Cash Balance
has cash to cover current liabilities for 1 weeks, this is less cash available to meet short term requirements (23 weeks)
1 weeks - Card Saver Ltd
23 weeks - Industry AVG
Debt Level
it has a ratio of liabilities to total assets of 176.3%, this is a higher level of debt than the average (60.9%)
176.3% - Card Saver Ltd
60.9% - Industry AVG
CARD SAVER LTD financials
Card Saver Ltd's latest turnover from October 2022 is estimated at £7.9 million and the company has net assets of -£2.3 million. According to their latest financial statements, Card Saver Ltd has 81 employees and maintains cash reserves of £191.3 thousand as reported in the balance sheet.
Data source: Companies House, Pomanda Estimates
| Oct 2022 | Oct 2021 | Oct 2020 | Oct 2019 | Oct 2018 | Oct 2017 | Oct 2016 | Oct 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 | 81 | 94 | 123 | 96 | 102 | 97 | 48 | 14 |
| EBITDA* |
* Earnings Before Interest, Tax, Depreciation and Amortisation
| Oct 2022 | Oct 2021 | Oct 2020 | Oct 2019 | Oct 2018 | Oct 2017 | Oct 2016 | Oct 2015 | |
|---|---|---|---|---|---|---|---|---|
| Tangible Assets | 1,546,156 | 1,737,569 | 1,867,988 | 1,528,067 | 1,211,059 | 319,568 | 109,417 | 0 |
| Intangible Assets | 146,522 | 0 | 0 | 0 | 0 | 0 | 0 | 0 |
| Investments & Other | 0 | 0 | 0 | 7 | 7 | 0 | 0 | 0 |
| Debtors (Due After 1 year) | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 |
| Total Fixed Assets | 1,692,678 | 1,737,569 | 1,867,988 | 1,528,074 | 1,211,066 | 319,568 | 109,417 | 0 |
| Stock & work in progress | 0 | 0 | 0 | 0 | 0 | 160,370 | 57,000 | 0 |
| Trade Debtors | 626,020 | 460,377 | 378,222 | 217,003 | 128,342 | 341,460 | 183,332 | 18,575 |
| Group Debtors | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 |
| Misc Debtors | 502,639 | 401,696 | 347,788 | 524,191 | 593,629 | 0 | 0 | 0 |
| Cash | 191,278 | 701,540 | 30,723 | 92,647 | 36,184 | 764,519 | 133,650 | 37,977 |
| misc current assets | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 |
| total current assets | 1,319,937 | 1,563,613 | 756,733 | 833,841 | 758,155 | 1,266,349 | 373,982 | 56,552 |
| total assets | 3,012,615 | 3,301,182 | 2,624,721 | 2,361,915 | 1,969,221 | 1,585,917 | 483,399 | 56,552 |
| Bank overdraft | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 |
| Bank loan | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 |
| Trade Creditors | 184,310 | 159,791 | 155,448 | 117,862 | 1,243,768 | 4,684,465 | 1,538,779 | 259,976 |
| Group/Directors Accounts | 0 | 0 | 0 | 0 | 1,686,725 | 0 | 0 | 0 |
| other short term finances | 2,140,506 | 977,295 | 0 | 0 | 0 | 0 | 0 | 0 |
| hp & lease commitments | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 |
| other current liabilities | 2,984,869 | 2,793,487 | 5,535,881 | 6,291,478 | 3,644,202 | 0 | 0 | 0 |
| total current liabilities | 5,309,685 | 3,930,573 | 5,691,329 | 6,409,340 | 6,574,695 | 4,684,465 | 1,538,779 | 259,976 |
| loans | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 |
| hp & lease commitments | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 |
| Accruals and Deferred Income | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 |
| other liabilities | 0 | 2,090,805 | 0 | 72,482 | 443,957 | 992,699 | 799,573 | 153,965 |
| provisions | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 |
| total long term liabilities | 0 | 2,090,805 | 0 | 72,482 | 443,957 | 992,699 | 799,573 | 153,965 |
| total liabilities | 5,309,685 | 6,021,378 | 5,691,329 | 6,481,822 | 7,018,652 | 5,677,164 | 2,338,352 | 413,941 |
| net assets | -2,297,070 | -2,720,196 | -3,066,608 | -4,119,907 | -5,049,431 | -4,091,247 | -1,854,953 | -357,389 |
| total shareholders funds | -2,297,070 | -2,720,196 | -3,066,608 | -4,119,907 | -5,049,431 | -4,091,247 | -1,854,953 | -357,389 |
| Oct 2022 | Oct 2021 | Oct 2020 | Oct 2019 | Oct 2018 | Oct 2017 | Oct 2016 | Oct 2015 | |
|---|---|---|---|---|---|---|---|---|
| Operating Activities | ||||||||
| Operating Profit | ||||||||
| Depreciation | 735,098 | 614,792 | 520,650 | 380,163 | 225,109 | 71,134 | 52,053 | 0 |
| Amortisation | 7,047 | 0 | 0 | 0 | 0 | 0 | 0 | 0 |
| Tax | ||||||||
| Stock | 0 | 0 | 0 | 0 | -160,370 | 103,370 | 57,000 | 0 |
| Debtors | 266,586 | 136,063 | -15,184 | 19,223 | 380,511 | 158,128 | 164,757 | 18,575 |
| Creditors | 24,519 | 4,343 | 37,586 | -1,125,906 | -3,440,697 | 3,145,686 | 1,278,803 | 259,976 |
| Accruals and Deferred Income | 191,382 | -2,742,394 | -755,597 | 2,647,276 | 3,644,202 | 0 | 0 | 0 |
| Deferred Taxes & Provisions | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 |
| Cash flow from operations | ||||||||
| Investing Activities | ||||||||
| capital expenditure | ||||||||
| Change in Investments | 0 | 0 | -7 | 0 | 7 | 0 | 0 | 0 |
| cash flow from investments | ||||||||
| Financing Activities | ||||||||
| Bank loans | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 |
| Group/Directors Accounts | 0 | 0 | 0 | -1,686,725 | 1,686,725 | 0 | 0 | 0 |
| Other Short Term Loans | 1,163,211 | 977,295 | 0 | 0 | 0 | 0 | 0 | 0 |
| Long term loans | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 |
| Hire Purchase and Lease Commitments | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 |
| other long term liabilities | -2,090,805 | 2,090,805 | -72,482 | -371,475 | -548,742 | 193,126 | 645,608 | 153,965 |
| share issue | ||||||||
| interest | ||||||||
| cash flow from financing | ||||||||
| cash and cash equivalents | ||||||||
| cash | -510,262 | 670,817 | -61,924 | 56,463 | -728,335 | 630,869 | 95,673 | 37,977 |
| overdraft | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 |
| change in cash | -510,262 | 670,817 | -61,924 | 56,463 | -728,335 | 630,869 | 95,673 | 37,977 |
card saver ltd Credit Report and Business Information
Card Saver Ltd Competitor Analysis
Perform a competitor analysis for card saver ltd by selecting its closest rivals and benchmarking them against 12 key performance metrics.
card saver ltd Ownership
CARD SAVER LTD group structure
Card Saver Ltd has no subsidiary companies.
card saver ltd directors
Card Saver Ltd currently has 1 director, Mr Jamie Pilley serving since Feb 2023.
| officer | country | age | start | end | role |
|---|---|---|---|---|---|
| Mr Jamie Pilley | United Kingdom | 27 years | Feb 2023 | - | Director |
P&L
October 2022turnover
7.9m
+2%
operating profit
640.9k
0%
gross margin
54.8%
+5.32%
turnover
Turnover, or revenue, is the amount of sales generated by a company within the financial year.
Balance Sheet
October 2022net assets
-2.3m
-0.16%
total assets
3m
-0.09%
cash
191.3k
-0.73%
net assets
Total assets minus all liabilities
Similar Companies
card saver ltd company details
company number
09188754
Type
Private limited with Share Capital
industry
77390 - Renting and leasing of other machinery, equipment and tangible goods n.e.c.
64999 - Other financial service activities, except insurance and pension funding, (not including security dealing on own account and factoring) n.e.c.
incorporation date
August 2014
age
10
accounts
Total Exemption Full
ultimate parent company
previous names
N/A
incorporated
UK
address
unit 2 darwin court, hawking place, blackpool, lancashire, FY2 0JN
last accounts submitted
October 2022
card saver ltd 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 2 charges/mortgages relating to card saver ltd. Currently there are 0 open charges and 2 have been satisfied in the past.
card saver ltd Companies House Filings - See Documents
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