just loans group operations ltd

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just loans group operations ltd Company Information

Share JUST LOANS GROUP OPERATIONS LTD

Company Number

09239671

Shareholders

just loans group plc

Group Structure

View All

Industry

Combined office administrative service activities

 

Registered Address

derby house 12 winckley square, preston, lancashire, PR1 3JJ

just loans group operations ltd Estimated Valuation

£3.5m

Pomanda estimates the enterprise value of JUST LOANS GROUP OPERATIONS LTD at £3.5m based on a Turnover of £3m and 1.19x industry multiple (adjusted for size and gross margin).

just loans group operations ltd Estimated Valuation

£27.6k

Pomanda estimates the enterprise value of JUST LOANS GROUP OPERATIONS LTD at £27.6k based on an EBITDA of £3.7k and a 7.43x industry multiple (adjusted for size and gross margin).

just loans group operations ltd Estimated Valuation

£257

Pomanda estimates the enterprise value of JUST LOANS GROUP OPERATIONS LTD at £257 based on Net Assets of £100 and 2.57x industry multiple (adjusted for liquidity).

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Just Loans Group Operations Ltd Overview

Just Loans Group Operations Ltd is a live company located in lancashire, PR1 3JJ with a Companies House number of 09239671. It operates in the combined office administrative service activities sector, SIC Code 82110. Founded in September 2014, it's largest shareholder is just loans group plc with a 100% stake. Just Loans Group Operations Ltd is a established, small sized company, Pomanda has estimated its turnover at £3m with high growth in recent years.

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Just Loans Group Operations Ltd Health Check

Pomanda's financial health check has awarded Just Loans Group Operations Ltd a 3.5 rating. We use a traffic light system to show it exceeds the industry average on 5 measures and has 3 areas for improvement. Company Health Check FAQs

Health Check Image
Health Rating3.5out of 5
positive_score

5 Strong

positive_score

1 Regular

positive_score

3 Weak

size

Size

annual sales of £3m, make it larger than the average company (£1.6m)

£3m - Just Loans Group Operations Ltd

£1.6m - Industry AVG

growth

Growth

3 year (CAGR) sales growth of 26%, show it is growing at a faster rate (4%)

26% - Just Loans Group Operations Ltd

4% - Industry AVG

production

Production

with a gross margin of 105.6%, this company has a lower cost of product (47.8%)

105.6% - Just Loans Group Operations Ltd

47.8% - Industry AVG

profitability

Profitability

an operating margin of 0.1% make it less profitable than the average company (3.3%)

0.1% - Just Loans Group Operations Ltd

3.3% - Industry AVG

employees

Employees

with 61 employees, this is above the industry average (15)

61 - Just Loans Group Operations Ltd

15 - Industry AVG

paystructure

Pay Structure

on an average salary of £41.2k, the company has an equivalent pay structure (£39.1k)

£41.2k - Just Loans Group Operations Ltd

£39.1k - Industry AVG

efficiency

Efficiency

resulting in sales per employee of £48.8k, this is less efficient (£99.6k)

£48.8k - Just Loans Group Operations Ltd

£99.6k - Industry AVG

debtordays

Debtor Days

There is insufficient data available for this Key Performance Indicator!

- - Just Loans Group Operations Ltd

- - Industry AVG

creditordays

Creditor Days

There is insufficient data available for this Key Performance Indicator!

- - Just Loans Group Operations Ltd

- - Industry AVG

stockdays

Stock Days

There is insufficient data available for this Key Performance Indicator!

- - Just Loans Group Operations Ltd

- - Industry AVG

cashbalance

Cash Balance

has cash to cover current liabilities for 30 weeks, this is more cash available to meet short term requirements (23 weeks)

30 weeks - Just Loans Group Operations Ltd

23 weeks - Industry AVG

debtlevel

Debt Level

it has a ratio of liabilities to total assets of 99.9%, this is a higher level of debt than the average (59.7%)

99.9% - Just Loans Group Operations Ltd

59.7% - Industry AVG

JUST LOANS GROUP OPERATIONS LTD financials

EXPORTms excel logo

Just Loans Group Operations Ltd's latest turnover from December 2020 is £3 million and the company has net assets of £100. According to their latest financial statements, Just Loans Group Operations Ltd has 61 employees and maintains cash reserves of £43.1 thousand as reported in the balance sheet.

Data source: Companies HousePomanda Estimates

Dec 2020Dec 2019Dec 2018Dec 2017Dec 2016Dec 2015
Turnover2,977,0362,851,9331,499,2531,762,4641,850,595
Other Income Or Grants265,473
Cost Of Sales100,097112,86985,66284,7291,131,349
Gross Profit3,142,4122,739,0641,413,5911,677,735719,246
Admin Expenses3,138,7062,733,5011021,413,5911,677,605717,458
Operating Profit3,7065,563-1021301,788
Interest Payable3,7061471,844
Interest Receivable1021756
Pre-Tax Profit
Tax
Profit After Tax
Dividends Paid
Retained Profit
Employee Costs2,515,7201,647,007773,044432,691452,564
Number Of Employees614522113
EBITDA*3,70617,947-1026,9461301,788

* Earnings Before Interest, Tax, Depreciation and Amortisation

Dec 2020Dec 2019Dec 2018Dec 2017Dec 2016Dec 2015
Tangible Assets32,72257,51910,5603,519
Intangible Assets37,950
Investments & Other32,722
Debtors (Due After 1 year)
Total Fixed Assets32,72257,51910,5603,51937,950
Stock & work in progress
Trade Debtors
Group Debtors3,2049,244,4404,879,2413,432,5101,793,924
Misc Debtors3,1766,1523,1762,75016,985
Cash43,08339,46927,26551,6394,669
misc current assets
total current assets49,4639,290,0614,909,6823,486,8991,815,578
total assets82,1859,347,5804,920,2423,490,4181,853,528
Bank overdraft
Bank loan
Trade Creditors
Group/Directors Accounts
other short term finances
hp & lease commitments25,93528,132
other current liabilities46,7399,287,7134,920,1423,490,3181,853,428
total current liabilities72,6749,315,8454,920,1423,490,3181,853,428
loans18,82263,270
hp & lease commitments9,41131,635
Accruals and Deferred Income
other liabilities
provisions
total long term liabilities9,41131,635
total liabilities82,0859,347,4804,920,1423,490,3181,853,428
net assets100100100100100
total shareholders funds100100100100100
Dec 2020Dec 2019Dec 2018Dec 2017Dec 2016Dec 2015
Operating Activities
Operating Profit3,7065,563-1021301,788
Depreciation12,3846,946
Amortisation
Tax
Stock
Debtors-9,244,2129,250,592-4,882,4171,447,1571,624,3511,810,909
Creditors
Accruals and Deferred Income-9,240,9749,287,713-4,920,1421,429,8241,636,8901,853,428
Deferred Taxes & Provisions
Cash flow from operations6,94455,068-37,827-10,38712,66944,307
Investing Activities
capital expenditure24,797-69,90310,560-13,98734,431-37,950
Change in Investments32,722
cash flow from investments-7,925-69,90310,560-13,98734,431-37,950
Financing Activities
Bank loans
Group/Directors Accounts
Other Short Term Loans
Long term loans-44,44863,270
Hire Purchase and Lease Commitments-24,42159,767
other long term liabilities
share issue100-100100
interest-3,706102-130-1,788
cash flow from financing-72,575123,1372-130-1,688
cash and cash equivalents
cash3,61439,469-27,265-24,37446,9704,669
overdraft
change in cash3,61439,469-27,265-24,37446,9704,669

just loans group operations ltd 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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Just Loans Group Operations Ltd Competitor Analysis

competitor_analysis_table_img

Perform a competitor analysis for just loans group operations ltd by selecting its closest rivals, whether from the ADMINISTRATIVE AND SUPPORT SERVICE ACTIVITIES sector, other small companies, companies in PR1 area or any other competitors across 12 key performance metrics.

just loans group operations ltd Ownership

JUST LOANS GROUP OPERATIONS LTD group structure

Just Loans Group Operations Ltd has no subsidiary companies.

Ultimate parent company

1 parent

JUST LOANS GROUP OPERATIONS LTD

09239671

JUST LOANS GROUP OPERATIONS LTD Shareholders

just loans group plc 100%

just loans group operations ltd directors

Just Loans Group Operations Ltd currently has 3 directors. The longest serving directors include Mr John McLellan (Dec 2014) and Mrs Martine Catton (Feb 2022).

officercountryagestartendrole
Mr John McLellanUnited Kingdom57 years Dec 2014- Director
Mrs Martine Catton54 years Feb 2022- Director
Ms Martine CattonUnited Kingdom54 years Feb 2022- Director

P&L

December 2020

turnover

3m

+4%

operating profit

3.7k

-33%

gross margin

105.6%

+9.9%

turnover

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

Balance Sheet

December 2020

net assets

100

0%

total assets

82.2k

-0.99%

cash

43.1k

+0.09%

net assets

Total assets minus all liabilities

just loans group operations ltd company details

company number

09239671

Type

Private limited with Share Capital

industry

82110 - Combined office administrative service activities

incorporation date

September 2014

age

11

incorporated

UK

ultimate parent company

accounts

Full Accounts

last accounts submitted

December 2020

previous names

N/A

accountant

-

auditor

JEFFERYS HENRY LLP

address

derby house 12 winckley square, preston, lancashire, PR1 3JJ

Bank

SANTANDER UK PLC

Legal Advisor

DWF LLP

just loans group operations 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 did not find charges/mortgages relating to just loans group operations ltd.

just loans group operations ltd 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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just loans group operations ltd Companies House Filings - See Documents

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