Pomanda estimates the enterprise value of PLUM FINTECH LIMITED at £5.2m based on a Turnover of £6.3m and 0.84x industry multiple (adjusted for size and gross margin).
plum fintech limitedEstimated Valuation
£0
Pomanda estimates the enterprise value of PLUM FINTECH LIMITED at £0 based on an EBITDA of £-14.1m and a 3.81x industry multiple (adjusted for size and gross margin).
plum fintech limitedEstimated Valuation
£0
Pomanda estimates the enterprise value of PLUM FINTECH LIMITED at £0 based on Net Assets of £-216.6k and 2.26x industry multiple (adjusted for liquidity).
Edit your figures and get a professional valuation report.
Plum Fintech LimitedOverview
Plum Fintech Limited is a live company located in london, EC1R 0DE with a Companies House number of 09952199. It operates in the activities auxiliary to financial intermediation n.e.c. sector, SIC Code 66190. Founded in January 2016, it's largest shareholder is
victor michael trokoudes
with a 13.6% stake. Plum Fintech Limited is a young,
mid sized company, Pomanda has estimated its turnover at
£6.3m with
rapid
growth in recent years.
Pomanda's financial health check has awarded Plum Fintech Limited a 4.5 rating. We use a traffic light system to show it exceeds the industry average on 7 measures and has 3 areas for improvement. Company Health Check FAQs
Health Rating4.5out of 5
7 Strong
1 Regular
3 Weak
Size
annual sales of £6.3m, make it larger than the average company (£3.6m)
£6.3m - Plum Fintech Limited
£3.6m - Industry AVG
Growth
3 year (CAGR) sales growth of 191%, show it is growing at a faster rate (7.4%)
191% - Plum Fintech Limited
7.4% - Industry AVG
Production
with a gross margin of 70%, this company has a comparable cost of product (72.4%)
70% - Plum Fintech Limited
72.4% - Industry AVG
Profitability
an operating margin of -224.8% make it less profitable than the average company (8.6%)
-224.8% - Plum Fintech Limited
8.6% - Industry AVG
Employees
with 150 employees, this is above the industry average (9)
150 - Plum Fintech Limited
9 - Industry AVG
Pay Structure
on an average salary of £45.7k, the company has a lower pay structure (£68.5k)
£45.7k - Plum Fintech Limited
£68.5k - Industry AVG
Efficiency
resulting in sales per employee of £41.8k, this is less efficient (£163.3k)
£41.8k - Plum Fintech Limited
£163.3k - Industry AVG
Debtor Days
it gets paid by customers after 0 days, this is earlier than average (31 days)
0 days - Plum Fintech Limited
31 days - Industry AVG
Creditor Days
its suppliers are paid after 76 days, this is slower than average (37 days)
76 days - Plum Fintech Limited
37 days - Industry AVG
Stock Days
There is insufficient data available for this Key Performance Indicator!
- - Plum Fintech Limited
- - Industry AVG
Cash Balance
has cash to cover current liabilities
for 214 weeks, this is more cash available to meet short term requirements (39 weeks)
214 weeks - Plum Fintech Limited
39 weeks - Industry AVG
Debt Level
it has a ratio of liabilities to total assets of 102.6%, this is a higher level of debt than the average (69.1%)
102.6% - Plum Fintech Limited
69.1% - Industry AVG
PLUM FINTECH LIMITED financials
EXPORT
Plum Fintech Limited's latest turnover from March 2023 is £6.3 million and the company has net assets of -£216.6 thousand. According to their latest financial statements, Plum Fintech Limited has 150 employees and maintains cash reserves of £6.6 million as reported in the balance sheet.
Data source:Companies House, Pomanda Estimates
Mar 2023
Mar 2022
Mar 2021
Mar 2020
Mar 2019
Mar 2018
Mar 2017
Turnover
6,274,360
3,960,411
1,765,805
255,438
1,096,781
1,470,626
1,383,432
Other Income Or Grants
Cost Of Sales
1,879,916
44,577
172,702
168,442
248,589
Gross Profit
4,394,444
3,960,411
1,765,805
210,861
924,079
1,302,184
1,134,843
Admin Expenses
18,498,230
11,973,670
7,240,868
3,349,995
2,616,485
2,110,806
1,343,732
Operating Profit
-14,103,786
-8,013,259
-5,475,063
-3,139,134
-1,692,406
-808,622
-208,889
Interest Payable
190,203
664,557
517,301
Interest Receivable
1,025
6,548
1,193
243
Pre-Tax Profit
-14,293,989
-8,677,816
-5,992,364
-3,138,109
-1,685,858
-807,429
-208,646
Tax
22,963
570,732
Profit After Tax
-14,271,026
-8,677,816
-5,421,632
-3,138,109
-1,685,858
-807,429
-208,646
Dividends Paid
Retained Profit
-14,271,026
-8,677,816
-5,421,632
-3,138,109
-1,685,858
-807,429
-208,646
Employee Costs
6,851,649
4,056,657
2,840,290
121,187
1,076,012
846,311
744,339
Number Of Employees
150
112
68
2
18
15
13
EBITDA*
-14,057,935
-7,988,228
-5,450,343
-3,136,265
-1,690,970
-808,061
-208,516
* Earnings Before Interest, Tax, Depreciation and Amortisation
Mar 2023
Mar 2022
Mar 2021
Mar 2020
Mar 2019
Mar 2018
Mar 2017
Tangible Assets
126,198
130,405
70,934
20,520
8,455
1,917
1,120
Intangible Assets
8,357
9,565
10,773
Investments & Other
Debtors (Due After 1 year)
Total Fixed Assets
134,555
139,970
81,707
20,520
8,455
1,917
1,120
Stock & work in progress
Trade Debtors
7,139
4,701
27,704
14,646
5,994
Group Debtors
Misc Debtors
1,665,501
2,890,753
1,292,922
834,055
350,189
85,209
Cash
6,641,488
11,363,549
3,105,409
585,462
1,463,597
282,604
194,580
misc current assets
total current assets
8,314,128
14,259,003
4,426,035
1,434,163
1,819,780
367,813
194,580
total assets
8,448,683
14,398,973
4,507,742
1,454,683
1,828,235
369,730
195,700
Bank overdraft
Bank loan
Trade Creditors
394,658
848,939
432,837
469,890
153,593
42,113
50,174
Group/Directors Accounts
3,659
3,402
other short term finances
300,000
hp & lease commitments
other current liabilities
1,209,212
955,091
512,822
33,608
48,503
30,571
702
total current liabilities
1,607,529
2,107,432
945,659
503,498
202,096
72,684
50,876
loans
7,057,764
hp & lease commitments
Accruals and Deferred Income
other liabilities
7,142,383
3,144
provisions
total long term liabilities
7,057,764
7,142,383
3,144
total liabilities
8,665,293
2,107,432
8,088,042
506,642
202,096
72,684
50,876
net assets
-216,610
12,291,541
-3,580,300
948,041
1,626,139
297,046
144,824
total shareholders funds
-216,610
12,291,541
-3,580,300
948,041
1,626,139
297,046
144,824
Mar 2023
Mar 2022
Mar 2021
Mar 2020
Mar 2019
Mar 2018
Mar 2017
Operating Activities
Operating Profit
-14,103,786
-8,013,259
-5,475,063
-3,139,134
-1,692,406
-808,622
-208,889
Depreciation
44,643
23,823
23,512
2,869
1,436
561
373
Amortisation
1,208
1,208
1,208
Tax
22,963
570,732
Stock
Debtors
-1,222,814
1,574,828
471,925
492,518
270,974
85,209
Creditors
-454,281
416,102
-37,053
316,297
111,480
-8,061
50,174
Accruals and Deferred Income
254,121
442,269
479,214
-14,895
17,932
29,869
702
Deferred Taxes & Provisions
Cash flow from operations
-13,012,318
-8,704,685
-4,909,375
-3,327,381
-1,832,532
-871,462
-157,640
Investing Activities
capital expenditure
-14,934
-7,974
-1,358
-1,493
Change in Investments
cash flow from investments
-14,934
-7,974
-1,358
-1,493
Financing Activities
Bank loans
Group/Directors Accounts
257
3,402
Other Short Term Loans
-300,000
300,000
Long term loans
7,057,764
Hire Purchase and Lease Commitments
other long term liabilities
-7,142,383
7,139,239
3,144
share issue
1,762,875
24,549,657
893,291
2,460,011
3,014,951
959,651
353,470
interest
-190,203
-664,557
-517,301
1,025
6,548
1,193
243
cash flow from financing
8,330,693
17,046,119
7,515,229
2,464,180
3,021,499
960,844
353,713
cash and cash equivalents
cash
-4,722,061
8,258,140
2,519,947
-878,135
1,180,993
88,024
194,580
overdraft
change in cash
-4,722,061
8,258,140
2,519,947
-878,135
1,180,993
88,024
194,580
plum fintech limited Credit Report and Business Information
Very Low Risk70 - 100
Low Risk50 - 70
Moderate Risk30 - 50
High Risk20 - 30
Very High Risk0 - 20
Get a comprehensive credit check for plum fintech limited. Get real-time insights into plum fintech limited's credit score, group structure and payment trends.
Perform a competitor analysis for plum fintech limited by selecting its closest rivals, whether from the FINANCIAL AND INSURANCE ACTIVITIES sector, other mid companies, companies in EC1R area or any other competitors across 12 key performance metrics.
The largest shareholders in Plum Fintech Limited include Victor Michael Trokoudes and European Bank For Reconstruction & Development.
victor michael trokoudes
13.6%
european bank for reconstruction & development
13.44%
venture friends 400w cooperatief u.a.
10.09%
alexandros michael
10.05%
uk ff nominees limited
5.96%
crowdcube nominee limited
5.7%
gb-vii growth fund investment limited partnership
5.68%
eurobank s.a.
5.31%
seedrs nominees limited
4.18%
pelham limited
2.7%
plum fintech limited directors
Plum Fintech Limited currently has 2 directors.
The longest serving directors include
Mr Victor Trokoudes (Jan 2016) and
Mr Apostolos Foteinakis (Jul 2024).
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 2 charges/mortgages relating to plum fintech limited. Currently there are 1 open charges and 1 have been satisfied in the past.
plum fintech 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.
Click to start generating capital raising & share issue transactions for PLUM FINTECH LIMITED. This can take several minutes, an email will notify you when this has completed.
plum fintech limitedCompanies House Filings - See Documents
