bibby financial services (europe) limited
bibby financial services (europe) limited Company Information
Company Number
09519213
Next Accounts
Sep 2025
Shareholders
bibby fs (holdings) limited
Group Structure
View All
Industry
Activities of financial services holding companies
Registered Address
3rd floor walker house, exchange flags, liverpool, L2 3YL
bibby financial services (europe) limited Estimated Valuation
Pomanda estimates the enterprise value of BIBBY FINANCIAL SERVICES (EUROPE) LIMITED at £116.1m based on a Turnover of £55.9m and 2.07x industry multiple (adjusted for size and gross margin).
bibby financial services (europe) limited Estimated Valuation
Pomanda estimates the enterprise value of BIBBY FINANCIAL SERVICES (EUROPE) LIMITED at £116.2m based on an EBITDA of £16.8m and a 6.94x industry multiple (adjusted for size and gross margin).
bibby financial services (europe) limited Estimated Valuation
Pomanda estimates the enterprise value of BIBBY FINANCIAL SERVICES (EUROPE) LIMITED at £79.6m based on Net Assets of £42.5m and 1.87x industry multiple (adjusted for liquidity).
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Bibby Financial Services (europe) Limited Overview
Bibby Financial Services (europe) Limited is a live company located in liverpool, L2 3YL with a Companies House number of 09519213. It operates in the activities of financial services holding companies sector, SIC Code 64205. Founded in March 2015, it's largest shareholder is bibby fs (holdings) limited with a 100% stake. Bibby Financial Services (europe) Limited is a established, large sized company, Pomanda has estimated its turnover at £55.9m with healthy growth in recent years.
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Bibby Financial Services (europe) Limited Health Check
Pomanda's financial health check has awarded Bibby Financial Services (Europe) 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
1 Regular
5 Weak
Size
annual sales of £55.9m, make it larger than the average company (£11.6m)
£55.9m - Bibby Financial Services (europe) Limited
£11.6m - Industry AVG
Growth
3 year (CAGR) sales growth of 9%, show it is growing at a similar rate (9.2%)
9% - Bibby Financial Services (europe) Limited
9.2% - Industry AVG
Production
with a gross margin of 29.3%, this company has a higher cost of product (79.3%)
29.3% - Bibby Financial Services (europe) Limited
79.3% - Industry AVG
Profitability
an operating margin of 29.3% make it more profitable than the average company (9.5%)
29.3% - Bibby Financial Services (europe) Limited
9.5% - Industry AVG
Employees
with 383 employees, this is above the industry average (64)
383 - Bibby Financial Services (europe) Limited
64 - Industry AVG
Pay Structure
on an average salary of £54.7k, the company has a lower pay structure (£83.4k)
£54.7k - Bibby Financial Services (europe) Limited
£83.4k - Industry AVG
Efficiency
resulting in sales per employee of £146.1k, this is less efficient (£212k)
£146.1k - Bibby Financial Services (europe) Limited
£212k - Industry AVG
Debtor Days
it gets paid by customers after 1804 days, this is later than average (47 days)
1804 days - Bibby Financial Services (europe) Limited
47 days - Industry AVG
Creditor Days
its suppliers are paid after 453 days, this is slower than average (49 days)
453 days - Bibby Financial Services (europe) Limited
49 days - Industry AVG
Stock Days
There is insufficient data available for this Key Performance Indicator!
- - Bibby Financial Services (europe) Limited
- - Industry AVG
Cash Balance
has cash to cover current liabilities for 19 weeks, this is less cash available to meet short term requirements (27 weeks)
19 weeks - Bibby Financial Services (europe) Limited
27 weeks - Industry AVG
Debt Level
it has a ratio of liabilities to total assets of 86.9%, this is a higher level of debt than the average (54%)
86.9% - Bibby Financial Services (europe) Limited
54% - Industry AVG
BIBBY FINANCIAL SERVICES (EUROPE) LIMITED financials
Bibby Financial Services (Europe) Limited's latest turnover from December 2023 is £55.9 million and the company has net assets of £42.5 million. According to their latest financial statements, Bibby Financial Services (Europe) Limited has 383 employees and maintains cash reserves of £28.7 million as reported in the balance sheet.
Data source: Companies House, Pomanda Estimates
| Dec 2023 | Dec 2022 | Dec 2021 | Dec 2020 | Dec 2019 | Dec 2018 | Dec 2017 | Dec 2016 | Dec 2015 | Dec 2014 | |
|---|---|---|---|---|---|---|---|---|---|---|
| Turnover | 55,947,000 | 48,310,000 | 43,779,000 | 43,011,000 | 45,327,000 | 42,852,302 | 38,799,494 | 19,831,994 | 15,903,045 | 3,510,732 |
| Other Income Or Grants | ||||||||||
| Cost Of Sales | 39,544,000 | 35,938,000 | 32,281,000 | 32,646,000 | 33,348,000 | 32,640,428 | 30,226,103 | 15,470,310 | 12,702,133 | |
| Gross Profit | 16,403,000 | 12,372,000 | 11,498,000 | 10,365,000 | 11,979,000 | 10,211,874 | 8,573,391 | 4,361,684 | 3,200,912 | |
| Admin Expenses | -2,510,684 | |||||||||
| Operating Profit | 16,403,000 | 12,372,000 | 11,498,000 | 10,365,000 | 11,979,000 | 10,211,874 | 8,573,391 | 6,872,368 | 3,200,912 | 777,844 |
| Interest Payable | 11,633,000 | 7,171,000 | 4,041,000 | 5,077,000 | 4,961,000 | 4,602,112 | 2,939,293 | 2,488,625 | 1,514,363 | 424,744 |
| Interest Receivable | 18,000 | 131,665 | 104,428 | 13,264 | ||||||
| Pre-Tax Profit | 4,788,000 | 5,201,000 | 7,457,000 | 5,288,000 | 7,018,000 | 5,609,762 | 5,765,763 | 4,488,171 | 1,699,813 | 353,100 |
| Tax | -1,008,000 | -2,352,000 | -1,909,000 | -1,808,000 | -2,158,000 | -1,979,823 | -1,570,537 | -1,094,615 | -429,511 | -47,705 |
| Profit After Tax | 3,780,000 | 2,849,000 | 5,548,000 | 3,480,000 | 4,860,000 | 3,629,939 | 4,195,226 | 3,393,556 | 1,270,302 | 305,395 |
| Dividends Paid | 4,000,000 | |||||||||
| Retained Profit | 3,780,000 | 2,849,000 | 5,548,000 | 3,480,000 | 860,000 | 3,629,939 | 4,195,226 | 3,393,556 | 1,270,302 | 305,395 |
| Employee Costs | 20,934,000 | 18,738,000 | 16,541,000 | 18,573,000 | 19,237,000 | 17,782,949 | 14,976,907 | 12,655,439 | 5,759,249 | 1,162,879 |
| Number Of Employees | 383 | 368 | 347 | 355 | 350 | 325 | 303 | 276 | 187 | 30 |
| EBITDA* | 16,759,000 | 12,698,000 | 11,838,000 | 10,812,000 | 12,319,000 | 10,444,965 | 8,926,586 | 7,401,337 | 3,374,047 | 813,863 |
* Earnings Before Interest, Tax, Depreciation and Amortisation
| Dec 2023 | Dec 2022 | Dec 2021 | Dec 2020 | Dec 2019 | Dec 2018 | Dec 2017 | Dec 2016 | Dec 2015 | Dec 2014 | |
|---|---|---|---|---|---|---|---|---|---|---|
| Tangible Assets | 817,000 | 659,000 | 863,000 | 1,130,000 | 1,003,000 | 603,208 | 1,292,380 | 1,191,197 | 699,656 | 108,669 |
| Intangible Assets | 1,725,000 | 655,000 | 58,000 | 91,000 | 128,000 | 85,479 | 70,557 | 167,942 | 285,905 | |
| Investments & Other | ||||||||||
| Debtors (Due After 1 year) | ||||||||||
| Total Fixed Assets | 2,542,000 | 1,314,000 | 921,000 | 1,221,000 | 1,131,000 | 688,687 | 1,362,937 | 1,359,139 | 985,561 | 108,669 |
| Stock & work in progress | ||||||||||
| Trade Debtors | 276,542,000 | 244,609,000 | 250,606,000 | 217,154,000 | 234,979,000 | 219,476,591 | 296,912,357 | 205,456,495 | 92,792,072 | 14,266,892 |
| Group Debtors | 9,000 | 20,533,000 | 5,786,808 | 10,555,991 | ||||||
| Misc Debtors | 17,641,000 | 20,311,000 | 17,660,000 | 17,450,000 | 17,639,000 | 19,829,169 | 15,176,379 | 2,088,244 | 699,386 | 89,783 |
| Cash | 28,746,000 | 35,266,000 | 34,937,000 | 65,474,000 | 51,310,000 | 46,822,354 | 13,003,509 | 19,118,252 | 6,953,001 | 4,488,038 |
| misc current assets | ||||||||||
| total current assets | 322,929,000 | 300,186,000 | 303,203,000 | 300,087,000 | 324,461,000 | 291,914,922 | 325,092,245 | 226,662,991 | 111,000,450 | 18,844,713 |
| total assets | 325,471,000 | 301,500,000 | 304,124,000 | 301,308,000 | 325,592,000 | 292,603,609 | 326,455,182 | 228,022,130 | 111,986,011 | 18,953,382 |
| Bank overdraft | ||||||||||
| Bank loan | ||||||||||
| Trade Creditors | 49,161,000 | 32,887,000 | 27,061,000 | 29,647,000 | 26,483,000 | 11,731,910 | 96,052,612 | 51,959,783 | 7,323,683 | |
| Group/Directors Accounts | 10,247,000 | 12,556,000 | 21,079,000 | 13,977,000 | 23,456,000 | 12,202,489 | 5,000,000 | 17,030,771 | 20,811,790 | 15,059,964 |
| other short term finances | 11,220,000 | 12,394,000 | 20,442,000 | 167,038,000 | 30,908,000 | 62,263,574 | 25,365,369 | 68,895,148 | 33,391,917 | |
| hp & lease commitments | ||||||||||
| other current liabilities | 7,536,000 | 5,583,000 | 6,822,000 | 6,306,000 | 6,188,000 | 7,081,176 | 7,137,935 | 4,838,611 | 1,948,424 | 690,323 |
| total current liabilities | 78,164,000 | 63,420,000 | 75,404,000 | 216,968,000 | 87,035,000 | 93,279,149 | 133,555,916 | 142,724,313 | 63,475,814 | 15,750,287 |
| loans | 204,769,000 | 198,974,000 | 195,339,000 | 53,916,000 | 210,442,000 | 171,075,380 | 169,438,543 | 67,624,167 | 33,547,124 | 1,199,082 |
| hp & lease commitments | ||||||||||
| Accruals and Deferred Income | ||||||||||
| other liabilities | 75,000 | |||||||||
| provisions | ||||||||||
| total long term liabilities | 204,769,000 | 199,049,000 | 195,339,000 | 53,916,000 | 210,442,000 | 171,075,380 | 169,438,543 | 67,624,167 | 33,547,124 | 1,199,082 |
| total liabilities | 282,933,000 | 262,469,000 | 270,743,000 | 270,884,000 | 297,477,000 | 264,354,529 | 302,994,459 | 210,348,480 | 97,022,938 | 16,949,369 |
| net assets | 42,538,000 | 39,031,000 | 33,381,000 | 30,424,000 | 28,115,000 | 28,249,080 | 23,460,723 | 17,673,650 | 14,963,073 | 2,004,013 |
| total shareholders funds | 42,538,000 | 39,031,000 | 33,381,000 | 30,424,000 | 28,115,000 | 28,249,080 | 23,460,723 | 17,673,650 | 14,963,073 | 2,004,013 |
| Dec 2023 | Dec 2022 | Dec 2021 | Dec 2020 | Dec 2019 | Dec 2018 | Dec 2017 | Dec 2016 | Dec 2015 | Dec 2014 | |
|---|---|---|---|---|---|---|---|---|---|---|
| Operating Activities | ||||||||||
| Operating Profit | 16,403,000 | 12,372,000 | 11,498,000 | 10,365,000 | 11,979,000 | 10,211,874 | 8,573,391 | 6,872,368 | 3,200,912 | 777,844 |
| Depreciation | 223,000 | 246,000 | 241,000 | 364,000 | 275,000 | 219,887 | 208,078 | 312,679 | 120,176 | 36,019 |
| Amortisation | 133,000 | 80,000 | 99,000 | 83,000 | 65,000 | 13,204 | 145,117 | 216,290 | 52,959 | |
| Tax | -1,008,000 | -2,352,000 | -1,909,000 | -1,808,000 | -2,158,000 | -1,979,823 | -1,570,537 | -1,094,615 | -429,511 | -47,705 |
| Stock | ||||||||||
| Debtors | 29,263,000 | -3,346,000 | 33,653,000 | -38,538,000 | 28,058,432 | -66,996,168 | 104,543,997 | 103,497,290 | 89,690,774 | 14,356,675 |
| Creditors | 16,274,000 | 5,826,000 | -2,586,000 | 3,164,000 | 14,751,090 | -84,320,702 | 44,092,829 | 44,636,100 | 7,323,683 | |
| Accruals and Deferred Income | 1,953,000 | -1,239,000 | 516,000 | 118,000 | -893,176 | -56,759 | 2,299,324 | 2,890,187 | 1,258,101 | 690,323 |
| Deferred Taxes & Provisions | ||||||||||
| Cash flow from operations | 4,715,000 | 18,279,000 | -25,794,000 | 50,824,000 | -4,039,518 | -8,916,151 | -50,795,795 | -49,664,281 | -78,164,454 | -12,900,194 |
| Investing Activities | ||||||||||
| capital expenditure | ||||||||||
| Change in Investments | ||||||||||
| cash flow from investments | ||||||||||
| Financing Activities | ||||||||||
| Bank loans | ||||||||||
| Group/Directors Accounts | -2,309,000 | -8,523,000 | 7,102,000 | -9,479,000 | 11,253,511 | 7,202,489 | -12,030,771 | -3,781,019 | 5,751,826 | 15,059,964 |
| Other Short Term Loans | -1,174,000 | -8,048,000 | -146,596,000 | 136,130,000 | -31,355,574 | 36,898,205 | -43,529,779 | 35,503,231 | 33,391,917 | |
| Long term loans | 5,795,000 | 3,635,000 | 141,423,000 | -156,526,000 | 39,366,620 | 1,636,837 | 101,814,376 | 34,077,043 | 32,348,042 | 1,199,082 |
| Hire Purchase and Lease Commitments | ||||||||||
| other long term liabilities | -75,000 | 75,000 | ||||||||
| share issue | ||||||||||
| interest | -11,615,000 | -7,171,000 | -4,041,000 | -5,077,000 | -4,961,000 | -4,602,112 | -2,807,628 | -2,384,197 | -1,501,099 | -424,744 |
| cash flow from financing | -9,651,000 | -17,231,000 | -4,703,000 | -36,123,000 | 13,309,477 | 42,293,837 | 45,038,045 | 62,732,079 | 81,679,444 | 17,532,920 |
| cash and cash equivalents | ||||||||||
| cash | -6,520,000 | 329,000 | -30,537,000 | 14,164,000 | 4,487,646 | 33,818,845 | -6,114,743 | 12,165,251 | 2,464,963 | 4,488,038 |
| overdraft | ||||||||||
| change in cash | -6,520,000 | 329,000 | -30,537,000 | 14,164,000 | 4,487,646 | 33,818,845 | -6,114,743 | 12,165,251 | 2,464,963 | 4,488,038 |
bibby financial services (europe) limited Credit Report and Business Information
Bibby Financial Services (europe) Limited Competitor Analysis
Perform a competitor analysis for bibby financial services (europe) limited by selecting its closest rivals, whether from the FINANCIAL AND INSURANCE ACTIVITIES sector, other large companies, companies in L 2 area or any other competitors across 12 key performance metrics.
bibby financial services (europe) limited Ownership
BIBBY FINANCIAL SERVICES (EUROPE) LIMITED group structure
Bibby Financial Services (Europe) Limited has no subsidiary companies.
Ultimate parent company
2 parents
BIBBY FINANCIAL SERVICES (EUROPE) LIMITED
09519213
bibby financial services (europe) limited directors
Bibby Financial Services (Europe) Limited currently has 4 directors. The longest serving directors include Theovinder Chatha (Sep 2019) and Theovinder Chatha (Sep 2019).
| officer | country | age | start | end | role |
|---|---|---|---|---|---|
| Theovinder Chatha | England | 44 years | Sep 2019 | - | Director |
| Theovinder Chatha | United Kingdom | 44 years | Sep 2019 | - | Director |
| Mr Axel Scholz | United Kingdom | 56 years | Jan 2021 | - | Director |
| Mr Ian Ramsden | United Kingdom | 54 years | Oct 2023 | - | Director |
P&L
December 2023turnover
55.9m
+16%
operating profit
16.4m
+33%
gross margin
29.4%
+14.48%
turnover
Turnover, or revenue, is the amount of sales generated by a company within the financial year.
Balance Sheet
December 2023net assets
42.5m
+0.09%
total assets
325.5m
+0.08%
cash
28.7m
-0.18%
net assets
Total assets minus all liabilities
bibby financial services (europe) limited company details
company number
09519213
Type
Private limited with Share Capital
industry
64205 - Activities of financial services holding companies
incorporation date
March 2015
age
10
incorporated
UK
ultimate parent company
accounts
Group
last accounts submitted
December 2023
previous names
N/A
accountant
-
auditor
MAZARS LLP
address
3rd floor walker house, exchange flags, liverpool, L2 3YL
Bank
-
Legal Advisor
-
bibby financial services (europe) 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 11 charges/mortgages relating to bibby financial services (europe) limited. Currently there are 11 open charges and 0 have been satisfied in the past.
bibby financial services (europe) 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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bibby financial services (europe) limited Companies House Filings - See Documents
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