toft financial limited

1.5

toft financial limited Company Information

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Company Number

10067173

Registered Address

104 grove park, knutsford, cheshire, WA16 8QB

Industry

Other financial service activities, except insurance and pension funding, (not including security dealing on own account and factoring) n.e.c.

 

Telephone

01565634084

Next Accounts Due

October 2024

Group Structure

View All

Directors

Duncan Selkirk8 Years

Nancy Selkirk4 Years

Shareholders

duncan selkirk 90%

nancy selkirk 10%

toft financial limited Estimated Valuation

£132.8k

Pomanda estimates the enterprise value of TOFT FINANCIAL LIMITED at £132.8k based on a Turnover of £146.2k and 0.91x industry multiple (adjusted for size and gross margin).

toft financial limited Estimated Valuation

£0

Pomanda estimates the enterprise value of TOFT FINANCIAL LIMITED at £0 based on an EBITDA of £-7.7k and a 3.65x industry multiple (adjusted for size and gross margin).

toft financial limited Estimated Valuation

£0

Pomanda estimates the enterprise value of TOFT FINANCIAL LIMITED at £0 based on Net Assets of £-7.3k and 2.01x industry multiple (adjusted for liquidity).

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Toft Financial Limited Overview

Toft Financial Limited is a live company located in cheshire, WA16 8QB with a Companies House number of 10067173. It operates in the financial intermediation not elsewhere classified sector, SIC Code 64999. Founded in March 2016, it's largest shareholder is duncan selkirk with a 90% stake. Toft Financial Limited is a young, micro sized company, Pomanda has estimated its turnover at £146.2k with healthy growth in recent years.

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Toft Financial Limited Health Check

Pomanda's financial health check has awarded Toft Financial Limited a 1.5 rating. We use a traffic light system to show it exceeds the industry average on 2 measures and has 7 areas for improvement. Company Health Check FAQs

Health Check Image
Health Rating1.5out of 5
positive_score

2 Strong

positive_score

1 Regular

positive_score

7 Weak

size

Size

annual sales of £146.2k, make it smaller than the average company (£4.1m)

£146.2k - Toft Financial Limited

£4.1m - Industry AVG

growth

Growth

3 year (CAGR) sales growth of 12%, show it is growing at a faster rate (3.6%)

12% - Toft Financial Limited

3.6% - Industry AVG

production

Production

with a gross margin of 21.5%, this company has a higher cost of product (61.6%)

21.5% - Toft Financial Limited

61.6% - Industry AVG

profitability

Profitability

an operating margin of -5.2% make it less profitable than the average company (11.5%)

-5.2% - Toft Financial Limited

11.5% - Industry AVG

employees

Employees

with 3 employees, this is below the industry average (13)

3 - Toft Financial Limited

13 - Industry AVG

paystructure

Pay Structure

on an average salary of £72k, the company has an equivalent pay structure (£72k)

£72k - Toft Financial Limited

£72k - Industry AVG

efficiency

Efficiency

resulting in sales per employee of £48.7k, this is less efficient (£205.2k)

£48.7k - Toft Financial Limited

£205.2k - Industry AVG

debtordays

Debtor Days

it gets paid by customers after 3 days, this is earlier than average (30 days)

3 days - Toft Financial Limited

30 days - Industry AVG

creditordays

Creditor Days

its suppliers are paid after 28 days, this is quicker than average (36 days)

28 days - Toft Financial Limited

36 days - Industry AVG

stockdays

Stock Days

There is insufficient data available for this Key Performance Indicator!

- - Toft Financial Limited

- - Industry AVG

cashbalance

Cash Balance

There is insufficient data available for this Key Performance Indicator!

- - Toft Financial Limited

- - Industry AVG

debtlevel

Debt Level

it has a ratio of liabilities to total assets of 588.2%, this is a higher level of debt than the average (56.8%)

588.2% - Toft Financial Limited

56.8% - Industry AVG

TOFT FINANCIAL LIMITED financials

EXPORTms excel logo

Toft Financial Limited's latest turnover from January 2023 is estimated at £146.2 thousand and the company has net assets of -£7.3 thousand. According to their latest financial statements, Toft Financial Limited has 3 employees and maintains cash reserves of 0 as reported in the balance sheet.

Data source: Companies HousePomanda Estimates

Jan 2023Jan 2022Jan 2021Jan 2020Jan 2019Jan 2018Jan 2017
Turnover146,194153,862141,043104,16452,12557,83755,362
Other Income Or Grants0000000
Cost Of Sales114,740117,792105,93674,96637,24738,70338,321
Gross Profit31,45436,06935,10729,19814,87819,13417,040
Admin Expenses39,12128,24239,08139,8068,94820,40210,732
Operating Profit-7,6677,827-3,974-10,6085,930-1,2686,308
Interest Payable0000000
Interest Receivable0000000
Pre-Tax Profit-7,6677,827-3,974-10,6085,930-1,2686,308
Tax0-1,48700-1,1270-1,261
Profit After Tax-7,6676,340-3,974-10,6084,803-1,2685,046
Dividends Paid0000000
Retained Profit-7,6676,340-3,974-10,6084,803-1,2685,046
Employee Costs215,947214,363206,563140,97167,30265,99563,198
Number Of Employees3332111
EBITDA*-7,6677,827-3,974-10,6085,930-1,2686,308

* Earnings Before Interest, Tax, Depreciation and Amortisation

Jan 2023Jan 2022Jan 2021Jan 2020Jan 2019Jan 2018Jan 2017
Tangible Assets00200450775750350
Intangible Assets0000000
Investments & Other0000000
Debtors (Due After 1 year)0000000
Total Fixed Assets00200450775750350
Stock & work in progress0000000
Trade Debtors1,5019,2448,0628,72618,0008,5258,040
Group Debtors0000000
Misc Debtors0000000
Cash0000000
misc current assets0000000
total current assets1,5019,2448,0628,72618,0008,5258,040
total assets1,5019,2448,2629,17618,7759,2758,390
Bank overdraft0000000
Bank loan0000000
Trade Creditors 8,8298,40513,76310,7039,6945,4973,344
Group/Directors Accounts0000000
other short term finances0000000
hp & lease commitments0000000
other current liabilities0000000
total current liabilities8,8298,40513,76310,7039,6945,4973,344
loans0000000
hp & lease commitments0000000
Accruals and Deferred Income0000000
other liabilities050050050050000
provisions0000000
total long term liabilities050050050050000
total liabilities8,8298,90514,26311,20310,1945,4973,344
net assets-7,328339-6,001-2,0278,5813,7785,046
total shareholders funds-7,328339-6,001-2,0278,5813,7785,046
Jan 2023Jan 2022Jan 2021Jan 2020Jan 2019Jan 2018Jan 2017
Operating Activities
Operating Profit-7,6677,827-3,974-10,6085,930-1,2686,308
Depreciation0000000
Amortisation0000000
Tax0-1,48700-1,1270-1,261
Stock0000000
Debtors-7,7431,182-664-9,2749,4754858,040
Creditors424-5,3583,0601,0094,1972,1533,344
Accruals and Deferred Income0000000
Deferred Taxes & Provisions0000000
Cash flow from operations500-200-250-325-475400351
Investing Activities
capital expenditure0200250325-25-400-350
Change in Investments0000000
cash flow from investments0200250325-25-400-350
Financing Activities
Bank loans0000000
Group/Directors Accounts0000000
Other Short Term Loans 0000000
Long term loans0000000
Hire Purchase and Lease Commitments0000000
other long term liabilities-50000050000
share issue0000000
interest0000000
cash flow from financing-50000050000
cash and cash equivalents
cash0000000
overdraft0000000
change in cash0000000

toft financial limited Credit Report and Business Information

Very Low Risk70 - 100
Low Risk50 - 70
Moderate Risk30 - 50
High Risk20 - 30
Very High Risk0 - 20
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Toft Financial Limited Competitor Analysis

competitor_analysis_table_img

Perform a competitor analysis for toft financial limited by selecting its closest rivals, whether from the FINANCIAL AND INSURANCE ACTIVITIES sector, other micro companies, companies in WA16 area or any other competitors across 12 key performance metrics.

toft financial limited Ownership

TOFT FINANCIAL LIMITED group structure

Toft Financial Limited has no subsidiary companies.

Ultimate parent company

TOFT FINANCIAL LIMITED

10067173

TOFT FINANCIAL LIMITED Shareholders

duncan selkirk 90%
nancy selkirk 10%

toft financial limited directors

Toft Financial Limited currently has 2 directors. The longest serving directors include Mr Duncan Selkirk (Mar 2016) and Mrs Nancy Selkirk (Apr 2020).

officercountryagestartendrole
Mr Duncan SelkirkEngland47 years Mar 2016- Director
Mrs Nancy SelkirkUnited Kingdom47 years Apr 2020- Director

P&L

January 2023

turnover

146.2k

-5%

operating profit

-7.7k

0%

gross margin

21.6%

-8.22%

turnover

Turnover, or revenue, is the amount of sales generated by a company within the financial year.

Balance Sheet

January 2023

net assets

-7.3k

-22.62%

total assets

1.5k

-0.84%

cash

0

0%

net assets

Total assets minus all liabilities

toft financial limited company details

company number

10067173

Type

Private limited with Share Capital

industry

64999 - Other financial service activities, except insurance and pension funding, (not including security dealing on own account and factoring) n.e.c.

incorporation date

March 2016

age

8

incorporated

UK

ultimate parent company

None

accounts

Micro-Entity Accounts

last accounts submitted

January 2023

previous names

N/A

accountant

-

auditor

-

address

104 grove park, knutsford, cheshire, WA16 8QB

Bank

-

Legal Advisor

-

toft financial 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 did not find charges/mortgages relating to toft financial limited.

charges

toft financial limited Companies House Filings - See Documents

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