just loans group operations ltd
just loans group operations ltd Company Information
Company Number
09239671
Next Accounts
812 days late
Industry
Combined office administrative service activities
Shareholders
just loans group plc
Group Structure
View All
Contact
Registered Address
derby house 12 winckley square, preston, lancashire, PR1 3JJ
Website
www.just-loans.comjust loans group operations ltd Estimated Valuation
Pomanda estimates the enterprise value of JUST LOANS GROUP OPERATIONS LTD at £2.3m based on a Turnover of £3m and 0.78x industry multiple (adjusted for size and gross margin).
just loans group operations ltd Estimated Valuation
Pomanda estimates the enterprise value of JUST LOANS GROUP OPERATIONS LTD at £18.6k based on an EBITDA of £3.7k and a 5.03x industry multiple (adjusted for size and gross margin).
just loans group operations ltd Estimated Valuation
Pomanda estimates the enterprise value of JUST LOANS GROUP OPERATIONS LTD at £275 based on Net Assets of £100 and 2.75x 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
5 Strong
1 Regular
3 Weak
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
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
with a gross margin of 105.6%, this company has a lower cost of product (48.4%)
105.6% - Just Loans Group Operations Ltd
48.4% - Industry AVG
Profitability
an operating margin of 0.1% make it less profitable than the average company (3.1%)
0.1% - Just Loans Group Operations Ltd
3.1% - Industry AVG
Employees
with 61 employees, this is above the industry average (15)
61 - Just Loans Group Operations Ltd
15 - Industry AVG
Pay Structure
on an average salary of £41.2k, the company has an equivalent pay structure (£39.4k)
£41.2k - Just Loans Group Operations Ltd
£39.4k - Industry AVG
Efficiency
resulting in sales per employee of £48.8k, this is less efficient (£100k)
£48.8k - Just Loans Group Operations Ltd
£100k - Industry AVG
Debtor Days
There is insufficient data available for this Key Performance Indicator!
- - Just Loans Group Operations Ltd
- - Industry AVG
Creditor Days
There is insufficient data available for this Key Performance Indicator!
- - Just Loans Group Operations Ltd
- - Industry AVG
Stock Days
There is insufficient data available for this Key Performance Indicator!
- - Just Loans Group Operations Ltd
- - Industry AVG
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
Debt Level
it has a ratio of liabilities to total assets of 99.9%, this is a higher level of debt than the average (59.9%)
99.9% - Just Loans Group Operations Ltd
59.9% - Industry AVG
JUST LOANS GROUP OPERATIONS LTD financials
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 House, Pomanda Estimates
| Dec 2020 | Dec 2019 | Dec 2018 | Dec 2017 | Dec 2016 | Dec 2015 | |
|---|---|---|---|---|---|---|
| Turnover | 2,977,036 | 2,851,933 | 1,499,253 | 1,762,464 | 1,850,595 | |
| Other Income Or Grants | 265,473 | 0 | 0 | 0 | 0 | |
| Cost Of Sales | 100,097 | 112,869 | 85,662 | 84,729 | 1,131,349 | |
| Gross Profit | 3,142,412 | 2,739,064 | 1,413,591 | 1,677,735 | 719,246 | |
| Admin Expenses | 3,138,706 | 2,733,501 | 1,413,591 | 1,677,605 | 717,458 | |
| Operating Profit | 3,706 | 5,563 | 0 | 130 | 1,788 | |
| Interest Payable | 3,706 | 0 | 0 | 147 | 1,844 | |
| Interest Receivable | 0 | 0 | 0 | 17 | 56 | |
| Pre-Tax Profit | 0 | 0 | 0 | 0 | 0 | |
| Tax | 0 | 0 | 0 | 0 | 0 | |
| Profit After Tax | 0 | 0 | 0 | 0 | 0 | |
| Dividends Paid | 0 | 0 | 0 | 0 | 0 | |
| Retained Profit | 0 | 0 | 0 | 0 | 0 | |
| Employee Costs | 2,515,720 | 1,647,007 | 773,044 | 432,691 | 452,564 | |
| Number Of Employees | 61 | 45 | 22 | 11 | 3 | |
| EBITDA* | 3,706 | 17,947 | 6,946 | 130 | 1,788 |
* Earnings Before Interest, Tax, Depreciation and Amortisation
| Dec 2020 | Dec 2019 | Dec 2018 | Dec 2017 | Dec 2016 | Dec 2015 | |
|---|---|---|---|---|---|---|
| Tangible Assets | 32,722 | 57,519 | 0 | 10,560 | 3,519 | 0 |
| Intangible Assets | 0 | 0 | 0 | 0 | 0 | 37,950 |
| Investments & Other | 32,722 | 0 | 0 | 0 | 0 | 0 |
| Debtors (Due After 1 year) | 0 | 0 | 0 | 0 | 0 | 0 |
| Total Fixed Assets | 32,722 | 57,519 | 0 | 10,560 | 3,519 | 37,950 |
| Stock & work in progress | 0 | 0 | 0 | 0 | 0 | 0 |
| Trade Debtors | 0 | 0 | 0 | 0 | 0 | 0 |
| Group Debtors | 3,204 | 9,244,440 | 0 | 4,879,241 | 3,432,510 | 1,793,924 |
| Misc Debtors | 3,176 | 6,152 | 0 | 3,176 | 2,750 | 16,985 |
| Cash | 43,083 | 39,469 | 0 | 27,265 | 51,639 | 4,669 |
| misc current assets | 0 | 0 | 0 | 0 | 0 | 0 |
| total current assets | 49,463 | 9,290,061 | 0 | 4,909,682 | 3,486,899 | 1,815,578 |
| total assets | 82,185 | 9,347,580 | 0 | 4,920,242 | 3,490,418 | 1,853,528 |
| Bank overdraft | 0 | 0 | 0 | 0 | 0 | 0 |
| Bank loan | 0 | 0 | 0 | 0 | 0 | 0 |
| Trade Creditors | 0 | 0 | 0 | 0 | 0 | 0 |
| Group/Directors Accounts | 0 | 0 | 0 | 0 | 0 | 0 |
| other short term finances | 0 | 0 | 0 | 0 | 0 | 0 |
| hp & lease commitments | 25,935 | 28,132 | 0 | 0 | 0 | 0 |
| other current liabilities | 46,739 | 9,287,713 | 0 | 4,920,142 | 3,490,318 | 1,853,428 |
| total current liabilities | 72,674 | 9,315,845 | 0 | 4,920,142 | 3,490,318 | 1,853,428 |
| loans | 18,822 | 63,270 | 0 | 0 | 0 | 0 |
| hp & lease commitments | 9,411 | 31,635 | 0 | 0 | 0 | 0 |
| Accruals and Deferred Income | 0 | 0 | 0 | 0 | 0 | 0 |
| other liabilities | 0 | 0 | 0 | 0 | 0 | 0 |
| provisions | 0 | 0 | 0 | 0 | 0 | 0 |
| total long term liabilities | 9,411 | 31,635 | 0 | 0 | 0 | 0 |
| total liabilities | 82,085 | 9,347,480 | 0 | 4,920,142 | 3,490,318 | 1,853,428 |
| net assets | 100 | 100 | 0 | 100 | 100 | 100 |
| total shareholders funds | 100 | 100 | 0 | 100 | 100 | 100 |
| Dec 2020 | Dec 2019 | Dec 2018 | Dec 2017 | Dec 2016 | Dec 2015 | |
|---|---|---|---|---|---|---|
| Operating Activities | ||||||
| Operating Profit | 3,706 | 5,563 | 0 | 130 | 1,788 | |
| Depreciation | 0 | 12,384 | 6,946 | 0 | ||
| Amortisation | 0 | 0 | 0 | 0 | ||
| Tax | 0 | 0 | 0 | 0 | 0 | |
| Stock | 0 | 0 | 0 | 0 | 0 | 0 |
| Debtors | -9,244,212 | 9,250,592 | -4,882,417 | 1,447,157 | 1,624,351 | 1,810,909 |
| Creditors | 0 | 0 | 0 | 0 | 0 | 0 |
| Accruals and Deferred Income | -9,240,974 | 9,287,713 | -4,920,142 | 1,429,824 | 1,636,890 | 1,853,428 |
| Deferred Taxes & Provisions | 0 | 0 | 0 | 0 | 0 | 0 |
| Cash flow from operations | 6,944 | 55,068 | -10,387 | 44,307 | ||
| Investing Activities | ||||||
| capital expenditure | ||||||
| Change in Investments | 32,722 | 0 | 0 | 0 | 0 | 0 |
| cash flow from investments | ||||||
| Financing Activities | ||||||
| Bank loans | 0 | 0 | 0 | 0 | 0 | 0 |
| Group/Directors Accounts | 0 | 0 | 0 | 0 | 0 | 0 |
| Other Short Term Loans | 0 | 0 | 0 | 0 | 0 | 0 |
| Long term loans | -44,448 | 63,270 | 0 | 0 | 0 | 0 |
| Hire Purchase and Lease Commitments | -24,421 | 59,767 | 0 | 0 | 0 | 0 |
| other long term liabilities | 0 | 0 | 0 | 0 | 0 | 0 |
| share issue | ||||||
| interest | -3,706 | 0 | 0 | -130 | -1,788 | |
| cash flow from financing | -72,575 | 123,137 | 0 | -130 | -1,688 | |
| cash and cash equivalents | ||||||
| cash | 3,614 | 39,469 | -27,265 | -24,374 | 46,970 | 4,669 |
| overdraft | 0 | 0 | 0 | 0 | 0 | 0 |
| change in cash | 3,614 | 39,469 | -27,265 | -24,374 | 46,970 | 4,669 |
just loans group operations ltd Credit Report and Business Information
Just Loans Group Operations Ltd Competitor Analysis
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.
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).
| officer | country | age | start | end | role |
|---|---|---|---|---|---|
| Mr John McLellan | United Kingdom | 56 years | Dec 2014 | - | Director |
| Mrs Martine Catton | 54 years | Feb 2022 | - | Director | |
| Mrs Martine Catton | 54 years | Feb 2022 | - | Director |
P&L
December 2020turnover
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 2020net 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
10
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
| date | description | view/download |
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