the finance and business loan company ltd
the finance and business loan company ltd Company Information
Company Number
09825519
Next Accounts
Sep 2025
Industry
Financial leasing
Directors
Shareholders
andrew burden
Group Structure
View All
Contact
Registered Address
the hollies school lane, auckley, doncaster, south yorkshire, DN9 3JR
Website
-the finance and business loan company ltd Estimated Valuation
Pomanda estimates the enterprise value of THE FINANCE AND BUSINESS LOAN COMPANY LTD at £420.1k based on a Turnover of £313.3k and 1.34x industry multiple (adjusted for size and gross margin).
the finance and business loan company ltd Estimated Valuation
Pomanda estimates the enterprise value of THE FINANCE AND BUSINESS LOAN COMPANY LTD at £12.7k based on an EBITDA of £2.5k and a 5.16x industry multiple (adjusted for size and gross margin).
the finance and business loan company ltd Estimated Valuation
Pomanda estimates the enterprise value of THE FINANCE AND BUSINESS LOAN COMPANY LTD at £23.7k based on Net Assets of £11.9k and 1.99x industry multiple (adjusted for liquidity).
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The Finance And Business Loan Company Ltd Overview
The Finance And Business Loan Company Ltd is a live company located in doncaster, DN9 3JR with a Companies House number of 09825519. It operates in the financial leasing sector, SIC Code 64910. Founded in October 2015, it's largest shareholder is andrew burden with a 100% stake. The Finance And Business Loan Company Ltd is a young, micro sized company, Pomanda has estimated its turnover at £313.3k with rapid growth in recent years.
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The Finance And Business Loan Company Ltd Health Check
Pomanda's financial health check has awarded The Finance And Business Loan Company Ltd a 4 rating. We use a traffic light system to show it exceeds the industry average on 4 measures and has 4 areas for improvement. Company Health Check FAQs
4 Strong
3 Regular
4 Weak
Size
annual sales of £313.3k, make it smaller than the average company (£3m)
- The Finance And Business Loan Company Ltd
£3m - Industry AVG
Growth
3 year (CAGR) sales growth of 36%, show it is growing at a faster rate (-0.5%)
- The Finance And Business Loan Company Ltd
-0.5% - Industry AVG
Production
with a gross margin of 49.5%, this company has a comparable cost of product (49.5%)
- The Finance And Business Loan Company Ltd
49.5% - Industry AVG
Profitability
an operating margin of 0.8% make it less profitable than the average company (35.2%)
- The Finance And Business Loan Company Ltd
35.2% - Industry AVG
Employees
with 1 employees, this is below the industry average (8)
- The Finance And Business Loan Company Ltd
8 - Industry AVG
Pay Structure
on an average salary of £69k, the company has an equivalent pay structure (£69k)
- The Finance And Business Loan Company Ltd
£69k - Industry AVG
Efficiency
resulting in sales per employee of £313.3k, this is less efficient (£538.7k)
- The Finance And Business Loan Company Ltd
£538.7k - Industry AVG
Debtor Days
it gets paid by customers after 56 days, this is near the average (48 days)
- The Finance And Business Loan Company Ltd
48 days - Industry AVG
Creditor Days
its suppliers are paid after 102 days, this is slower than average (33 days)
- The Finance And Business Loan Company Ltd
33 days - Industry AVG
Stock Days
There is insufficient data available for this Key Performance Indicator!
- The Finance And Business Loan Company Ltd
- - Industry AVG
Cash Balance
has cash to cover current liabilities for 9 weeks, this is more cash available to meet short term requirements (6 weeks)
9 weeks - The Finance And Business Loan Company Ltd
6 weeks - Industry AVG
Debt Level
it has a ratio of liabilities to total assets of 79.1%, this is a lower level of debt than the average (96%)
79.1% - The Finance And Business Loan Company Ltd
96% - Industry AVG
THE FINANCE AND BUSINESS LOAN COMPANY LTD financials
The Finance And Business Loan Company Ltd's latest turnover from December 2023 is estimated at £313.3 thousand and the company has net assets of £11.9 thousand. According to their latest financial statements, we estimate that The Finance And Business Loan Company Ltd has 1 employee and maintains cash reserves of £8 thousand 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 | Oct 2016 | |
|---|---|---|---|---|---|---|---|---|
| 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 | ||||||||
| EBITDA* |
* Earnings Before Interest, Tax, Depreciation and Amortisation
| Dec 2023 | Dec 2022 | Dec 2021 | Dec 2020 | Dec 2019 | Dec 2018 | Dec 2017 | Oct 2016 | |
|---|---|---|---|---|---|---|---|---|
| Tangible Assets | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 |
| Intangible Assets | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 |
| Investments & Other | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 |
| Debtors (Due After 1 year) | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 |
| Total Fixed Assets | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 |
| Stock & work in progress | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 |
| Trade Debtors | 48,835 | 49,713 | 61,333 | 25,628 | 23,378 | 22,183 | 21,279 | 3,640 |
| Group Debtors | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 |
| Misc Debtors | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 |
| Cash | 8,034 | 9,768 | 5,041 | 1,706 | 4,248 | 800 | 2,234 | 3,256 |
| misc current assets | 0 | 0 | 0 | 0 | 0 | 0 | 149 | 0 |
| total current assets | 56,869 | 59,481 | 66,374 | 27,334 | 27,626 | 22,983 | 23,662 | 6,896 |
| total assets | 56,869 | 59,481 | 66,374 | 27,334 | 27,626 | 22,983 | 23,662 | 6,896 |
| Bank overdraft | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 |
| Bank loan | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 |
| Trade Creditors | 44,474 | 49,164 | 58,548 | 23,335 | 23,272 | 21,776 | 26,714 | 6,000 |
| Group/Directors Accounts | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 |
| other short term finances | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 |
| hp & lease commitments | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 |
| other current liabilities | 493 | 613 | 737 | 50 | 615 | 88 | 0 | 149 |
| total current liabilities | 44,967 | 49,777 | 59,285 | 23,385 | 23,887 | 21,864 | 26,714 | 6,149 |
| 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 | 0 | 0 | 0 | 0 | 0 | 0 | 0 |
| provisions | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 |
| total long term liabilities | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 |
| total liabilities | 44,967 | 49,777 | 59,285 | 23,385 | 23,887 | 21,864 | 26,714 | 6,149 |
| net assets | 11,902 | 9,704 | 7,089 | 3,949 | 3,739 | 1,119 | -3,052 | 747 |
| total shareholders funds | 11,902 | 9,704 | 7,089 | 3,949 | 3,739 | 1,119 | -3,052 | 747 |
| Dec 2023 | Dec 2022 | Dec 2021 | Dec 2020 | Dec 2019 | Dec 2018 | Dec 2017 | Oct 2016 | |
|---|---|---|---|---|---|---|---|---|
| Operating Activities | ||||||||
| Operating Profit | ||||||||
| Depreciation | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 |
| Amortisation | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 |
| Tax | ||||||||
| Stock | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 |
| Debtors | -878 | -11,620 | 35,705 | 2,250 | 1,195 | 904 | 17,639 | 3,640 |
| Creditors | -4,690 | -9,384 | 35,213 | 63 | 1,496 | -4,938 | 20,714 | 6,000 |
| Accruals and Deferred Income | -120 | -124 | 687 | -565 | 527 | 88 | -149 | 149 |
| Deferred Taxes & Provisions | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 |
| Cash flow from operations | ||||||||
| 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 | 0 | 0 | 0 |
| Other Short Term Loans | 0 | 0 | 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 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 |
| share issue | ||||||||
| interest | ||||||||
| cash flow from financing | ||||||||
| cash and cash equivalents | ||||||||
| cash | -1,734 | 4,727 | 3,335 | -2,542 | 3,448 | -1,434 | -1,022 | 3,256 |
| overdraft | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 |
| change in cash | -1,734 | 4,727 | 3,335 | -2,542 | 3,448 | -1,434 | -1,022 | 3,256 |
the finance and business loan company ltd Credit Report and Business Information
The Finance And Business Loan Company Ltd Competitor Analysis
Perform a competitor analysis for the finance and business loan company ltd by selecting its closest rivals, whether from the FINANCIAL AND INSURANCE ACTIVITIES sector, other micro companies, companies in DN9 area or any other competitors across 12 key performance metrics.
the finance and business loan company ltd Ownership
THE FINANCE AND BUSINESS LOAN COMPANY LTD group structure
The Finance And Business Loan Company Ltd has no subsidiary companies.
Ultimate parent company
THE FINANCE AND BUSINESS LOAN COMPANY LTD
09825519
the finance and business loan company ltd directors
The Finance And Business Loan Company Ltd currently has 1 director, Mr Andrew Burden serving since Oct 2015.
| officer | country | age | start | end | role |
|---|---|---|---|---|---|
| Mr Andrew Burden | 66 years | Oct 2015 | - | Director |
P&L
December 2023turnover
313.3k
+27%
operating profit
2.5k
0%
gross margin
49.5%
-14.31%
turnover
Turnover, or revenue, is the amount of sales generated by a company within the financial year.
Balance Sheet
December 2023net assets
11.9k
+0.23%
total assets
56.9k
-0.04%
cash
8k
-0.18%
net assets
Total assets minus all liabilities
the finance and business loan company ltd company details
company number
09825519
Type
Private limited with Share Capital
industry
64910 - Financial leasing
incorporation date
October 2015
age
9
incorporated
UK
ultimate parent company
accounts
Total Exemption Full
last accounts submitted
December 2023
previous names
the finance and loan company limited (February 2017)
accountant
ANDREW RUSSELL & CO
auditor
-
address
the hollies school lane, auckley, doncaster, south yorkshire, DN9 3JR
Bank
-
Legal Advisor
-
the finance and business loan company 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 the finance and business loan company ltd.
the finance and business loan company 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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the finance and business loan company ltd Companies House Filings - See Documents
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