reward capital limited
reward capital limited Company Information
Company Number
09432492
Website
www.rewardfinancegroup.comRegistered Address
1st floor 12 king street, leeds, LS1 2HL
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.
Telephone
01137332620
Next Accounts Due
November 2024
Group Structure
View All
Shareholders
reward finance group limited 100%
reward capital limited Estimated Valuation
Pomanda estimates the enterprise value of REWARD CAPITAL LIMITED at £50.3m based on a Turnover of £24.5m and 2.06x industry multiple (adjusted for size and gross margin).
reward capital limited Estimated Valuation
Pomanda estimates the enterprise value of REWARD CAPITAL LIMITED at £157.6m based on an EBITDA of £20m and a 7.87x industry multiple (adjusted for size and gross margin).
reward capital limited Estimated Valuation
Pomanda estimates the enterprise value of REWARD CAPITAL LIMITED at £13.8m based on Net Assets of £7.5m and 1.85x industry multiple (adjusted for liquidity).
Edit your figures and get a professional valuation report.
Reward Capital Limited Overview
Reward Capital Limited is a live company located in leeds, LS1 2HL with a Companies House number of 09432492. It operates in the other credit granting n.e.c. sector, SIC Code 64929. Founded in February 2015, it's largest shareholder is reward finance group limited with a 100% stake. Reward Capital Limited is a young, large sized company, Pomanda has estimated its turnover at £24.5m with high growth in recent years.
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Reward Capital Limited Health Check
Pomanda's financial health check has awarded Reward Capital Limited a 4.5 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
2 Regular
3 Weak
Size
annual sales of £24.5m, make it larger than the average company (£3.3m)
£24.5m - Reward Capital Limited
£3.3m - Industry AVG
Growth
3 year (CAGR) sales growth of 26%, show it is growing at a faster rate (3.9%)
26% - Reward Capital Limited
3.9% - Industry AVG
Production
with a gross margin of 66.5%, this company has a comparable cost of product (66.5%)
66.5% - Reward Capital Limited
66.5% - Industry AVG
Profitability
an operating margin of 81.7% make it more profitable than the average company (25.5%)
81.7% - Reward Capital Limited
25.5% - Industry AVG
Employees
with 7 employees, this is above the industry average (5)
7 - Reward Capital Limited
5 - Industry AVG
Pay Structure
on an average salary of £273.1k, the company has a higher pay structure (£66.1k)
£273.1k - Reward Capital Limited
£66.1k - Industry AVG
Efficiency
resulting in sales per employee of £3.5m, this is more efficient (£411.4k)
£3.5m - Reward Capital Limited
£411.4k - Industry AVG
Debtor Days
There is insufficient data available for this Key Performance Indicator!
- - Reward Capital Limited
- - Industry AVG
Creditor Days
its suppliers are paid after 0 days, this is quicker than average (23 days)
0 days - Reward Capital Limited
23 days - Industry AVG
Stock Days
There is insufficient data available for this Key Performance Indicator!
- - Reward Capital Limited
- - Industry AVG
Cash Balance
has cash to cover current liabilities for 0 weeks, this is less cash available to meet short term requirements (15 weeks)
0 weeks - Reward Capital Limited
15 weeks - Industry AVG
Debt Level
it has a ratio of liabilities to total assets of 93.7%, this is a similar level of debt than the average (89.6%)
93.7% - Reward Capital Limited
89.6% - Industry AVG
REWARD CAPITAL LIMITED financials
Reward Capital Limited's latest turnover from February 2023 is £24.5 million and the company has net assets of £7.5 million. According to their latest financial statements, Reward Capital Limited has 7 employees and maintains cash reserves of £2 million as reported in the balance sheet.
Data source: Companies House, Pomanda Estimates
| Feb 2023 | Feb 2022 | Feb 2021 | Feb 2020 | Feb 2019 | Feb 2018 | Feb 2017 | Feb 2016 | |
|---|---|---|---|---|---|---|---|---|
| Turnover | 24,483,000 | 18,793,000 | 14,389,000 | 12,159,000 | 9,807,000 | 6,329,000 | 5,551,000 | 5,491,000 |
| Other Income Or Grants | ||||||||
| Cost Of Sales | ||||||||
| Gross Profit | ||||||||
| Admin Expenses | ||||||||
| Operating Profit | 20,008,000 | 13,669,000 | 10,034,000 | 8,084,000 | 7,182,000 | 5,185,000 | 4,747,000 | 4,477,000 |
| Interest Payable | 20,376,000 | 9,141,000 | 4,247,000 | 3,608,000 | 2,959,000 | 1,909,000 | 1,559,000 | 1,485,000 |
| Interest Receivable | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 1,000 |
| Pre-Tax Profit | -368,000 | 4,528,000 | 5,787,000 | 4,476,000 | 4,223,000 | 3,276,000 | 3,188,000 | 2,993,000 |
| Tax | 223,000 | -662,000 | -975,000 | -749,000 | -797,000 | -626,000 | -638,000 | -603,000 |
| Profit After Tax | -145,000 | 3,866,000 | 4,812,000 | 3,727,000 | 3,426,000 | 2,650,000 | 2,550,000 | 2,390,000 |
| Dividends Paid | 0 | 0 | 3,600,000 | 4,338,000 | 2,133,000 | 2,012,000 | 2,000,000 | 1,565,000 |
| Retained Profit | -145,000 | 3,866,000 | 1,212,000 | -611,000 | 1,293,000 | 638,000 | 550,000 | 825,000 |
| Employee Costs | 1,912,000 | 3,139,000 | 1,900,000 | 1,770,000 | 1,449,000 | 813,000 | 0 | 0 |
| Number Of Employees | 7 | 7 | 7 | 7 | 7 | 7 | 7 | 6 |
| EBITDA* | 20,008,000 | 13,669,000 | 10,034,000 | 8,084,000 | 7,182,000 | 5,185,000 | 4,747,000 | 4,477,000 |
* Earnings Before Interest, Tax, Depreciation and Amortisation
| Feb 2023 | Feb 2022 | Feb 2021 | Feb 2020 | Feb 2019 | Feb 2018 | Feb 2017 | Feb 2016 | |
|---|---|---|---|---|---|---|---|---|
| Tangible Assets | 0 | 51,736,000 | 12,640,000 | 27,000 | 0 | 0 | 0 | 0 |
| Intangible Assets | 0 | 0 | 0 | 6,884,000 | 0 | 0 | 0 | 0 |
| Investments & Other | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 |
| Debtors (Due After 1 year) | 20,000 | 25,868,000 | 6,320,000 | 27,000 | 0 | 0 | 0 | 0 |
| Total Fixed Assets | 20,000 | 25,868,000 | 6,320,000 | 6,911,000 | 0 | 0 | 0 | 0 |
| Stock & work in progress | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 |
| Trade Debtors | 0 | 0 | 0 | 0 | 51,846,000 | 39,853,000 | 30,267,000 | 26,637,000 |
| Group Debtors | 5,653,000 | 0 | 0 | 0 | 0 | 0 | 1,011,000 | 0 |
| Misc Debtors | 110,397,000 | 98,457,000 | 75,892,000 | 61,845,000 | 0 | 2,000 | 2,000 | 0 |
| Cash | 2,043,000 | 2,543,000 | 1,695,000 | 1,936,000 | 2,302,000 | 2,510,000 | 2,121,000 | 1,720,000 |
| misc current assets | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 |
| total current assets | 118,093,000 | 101,000,000 | 77,587,000 | 63,781,000 | 54,148,000 | 42,365,000 | 33,401,000 | 28,357,000 |
| total assets | 118,113,000 | 126,868,000 | 83,907,000 | 70,692,000 | 54,148,000 | 42,365,000 | 33,401,000 | 28,357,000 |
| Bank overdraft | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 |
| Bank loan | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 |
| Trade Creditors | 10,000 | 17,000 | 19,000 | 8,000 | 11,000 | 0 | 2,000 | 2,000 |
| Group/Directors Accounts | 0 | 0 | 0 | 0 | 0 | 0 | 3,005,000 | 4,283,000 |
| other short term finances | 105,794,000 | 0 | 0 | 0 | 0 | 0 | 0 | 0 |
| hp & lease commitments | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 |
| other current liabilities | 4,840,000 | 93,394,000 | 5,052,000 | 3,810,000 | 1,194,000 | 3,150,000 | 666,000 | 363,000 |
| total current liabilities | 110,644,000 | 93,411,000 | 5,071,000 | 3,818,000 | 1,205,000 | 3,150,000 | 3,673,000 | 4,648,000 |
| loans | 0 | 25,843,000 | 75,088,000 | 0 | 0 | 0 | 28,353,000 | 22,884,000 |
| 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 | 0 | 0 | 64,338,000 | 49,796,000 | 37,202,000 | 0 | 0 |
| provisions | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 |
| total long term liabilities | 0 | 25,843,000 | 75,088,000 | 64,338,000 | 49,796,000 | 37,202,000 | 28,353,000 | 22,884,000 |
| total liabilities | 110,644,000 | 119,254,000 | 80,159,000 | 68,156,000 | 51,001,000 | 40,352,000 | 32,026,000 | 27,532,000 |
| net assets | 7,469,000 | 7,614,000 | 3,748,000 | 2,536,000 | 3,147,000 | 2,013,000 | 1,375,000 | 825,000 |
| total shareholders funds | 7,469,000 | 7,614,000 | 3,748,000 | 2,536,000 | 3,147,000 | 2,013,000 | 1,375,000 | 825,000 |
| Feb 2023 | Feb 2022 | Feb 2021 | Feb 2020 | Feb 2019 | Feb 2018 | Feb 2017 | Feb 2016 | |
|---|---|---|---|---|---|---|---|---|
| Operating Activities | ||||||||
| Operating Profit | 20,008,000 | 13,669,000 | 10,034,000 | 8,084,000 | 7,182,000 | 5,185,000 | 4,747,000 | 4,477,000 |
| Depreciation | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 |
| Amortisation | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 |
| Tax | 223,000 | -662,000 | -975,000 | -749,000 | -797,000 | -626,000 | -638,000 | -603,000 |
| Stock | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 |
| Debtors | -8,255,000 | 42,113,000 | 20,340,000 | 10,026,000 | 11,991,000 | 8,575,000 | 4,643,000 | 26,637,000 |
| Creditors | -7,000 | -2,000 | 11,000 | -3,000 | 11,000 | -2,000 | 0 | 2,000 |
| Accruals and Deferred Income | -88,554,000 | 88,342,000 | 1,242,000 | 2,616,000 | -1,956,000 | 2,484,000 | 303,000 | 363,000 |
| Deferred Taxes & Provisions | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 |
| Cash flow from operations | -60,075,000 | 59,234,000 | -10,028,000 | -78,000 | -7,551,000 | -1,534,000 | -231,000 | -22,398,000 |
| Investing Activities | ||||||||
| capital expenditure | ||||||||
| Change in Investments | 0 | 0 | 0 | 0 | 0 | 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 | 0 | 0 | -3,005,000 | -1,278,000 | 4,283,000 |
| Other Short Term Loans | 105,794,000 | 0 | 0 | 0 | 0 | 0 | 0 | 0 |
| Long term loans | -25,843,000 | -49,245,000 | 75,088,000 | 0 | 0 | -28,353,000 | 5,469,000 | 22,884,000 |
| Hire Purchase and Lease Commitments | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 |
| other long term liabilities | 0 | 0 | -64,338,000 | 14,542,000 | 12,594,000 | 37,202,000 | 0 | 0 |
| share issue | ||||||||
| interest | -20,376,000 | -9,141,000 | -4,247,000 | -3,608,000 | -2,959,000 | -1,909,000 | -1,559,000 | -1,484,000 |
| cash flow from financing | 59,575,000 | -58,386,000 | 6,503,000 | 10,934,000 | 9,476,000 | 3,935,000 | 2,632,000 | 25,683,000 |
| cash and cash equivalents | ||||||||
| cash | -500,000 | 848,000 | -241,000 | -366,000 | -208,000 | 389,000 | 401,000 | 1,720,000 |
| overdraft | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 |
| change in cash | -500,000 | 848,000 | -241,000 | -366,000 | -208,000 | 389,000 | 401,000 | 1,720,000 |
reward capital limited Credit Report and Business Information
Reward Capital Limited Competitor Analysis
Perform a competitor analysis for reward capital limited by selecting its closest rivals and benchmarking them against 12 key performance metrics.
reward capital limited Ownership
REWARD CAPITAL LIMITED group structure
Reward Capital Limited has no subsidiary companies.
Ultimate parent company
2 parents
REWARD CAPITAL LIMITED
09432492
reward capital limited directors
Reward Capital Limited currently has 6 directors. The longest serving directors include Mr David Harrop (Feb 2015) and Mr David Jones (Feb 2015).
| officer | country | age | start | end | role |
|---|---|---|---|---|---|
| Mr David Harrop | England | 54 years | Feb 2015 | - | Director |
| Mr David Jones | England | 62 years | Feb 2015 | - | Director |
| Mr Timothy Stafford | England | 56 years | Apr 2015 | - | Director |
| Mrs Gemma Wright | England | 47 years | Oct 2017 | - | Director |
| Mr Steven Noble | England | 57 years | Apr 2020 | - | Director |
| Mrs Emma Cockerham | England | 35 years | May 2023 | - | Director |
P&L
February 2023turnover
24.5m
+30%
operating profit
20m
+46%
gross margin
66.6%
-7.4%
turnover
Turnover, or revenue, is the amount of sales generated by a company within the financial year.
Balance Sheet
February 2023net assets
7.5m
-0.02%
total assets
118.1m
-0.07%
cash
2m
-0.2%
net assets
Total assets minus all liabilities
Similar Companies
reward capital limited company details
company number
09432492
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.
incorporation date
February 2015
age
9
accounts
Full Accounts
ultimate parent company
previous names
reward capital finance limited (March 2015)
incorporated
UK
address
1st floor 12 king street, leeds, LS1 2HL
last accounts submitted
February 2023
reward capital 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 4 charges/mortgages relating to reward capital limited. Currently there are 4 open charges and 0 have been satisfied in the past.
reward capital limited Companies House Filings - See Documents
| date | description | view/download |
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