toft financial limited
toft financial limited Company Information
Company Number
10067173
Website
www.toftfinancial.co.ukRegistered 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
Shareholders
duncan selkirk 90%
nancy selkirk 10%
toft financial limited Estimated Valuation
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
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
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
2 Strong
1 Regular
7 Weak
Size
annual sales of £146.2k, make it smaller than the average company (£4.1m)
- Toft Financial Limited
£4.1m - Industry AVG
Growth
3 year (CAGR) sales growth of 12%, show it is growing at a faster rate (3.6%)
- Toft Financial Limited
3.6% - Industry AVG
Production
with a gross margin of 21.5%, this company has a higher cost of product (61.6%)
- Toft Financial Limited
61.6% - Industry AVG
Profitability
an operating margin of -5.2% make it less profitable than the average company (11.5%)
- Toft Financial Limited
11.5% - Industry AVG
Employees
with 3 employees, this is below the industry average (13)
3 - Toft Financial Limited
13 - Industry AVG
Pay Structure
on an average salary of £72k, the company has an equivalent pay structure (£72k)
- Toft Financial Limited
£72k - Industry AVG
Efficiency
resulting in sales per employee of £48.7k, this is less efficient (£205.2k)
- Toft Financial Limited
£205.2k - Industry AVG
Debtor Days
it gets paid by customers after 3 days, this is earlier than average (30 days)
- Toft Financial Limited
30 days - Industry AVG
Creditor Days
its suppliers are paid after 28 days, this is quicker than average (36 days)
- Toft Financial Limited
36 days - Industry AVG
Stock Days
There is insufficient data available for this Key Performance Indicator!
- Toft Financial Limited
- - Industry AVG
Cash Balance
There is insufficient data available for this Key Performance Indicator!
- - Toft Financial Limited
- - Industry AVG
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
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 House, Pomanda Estimates
| Jan 2023 | Jan 2022 | Jan 2021 | Jan 2020 | Jan 2019 | Jan 2018 | Jan 2017 | |
|---|---|---|---|---|---|---|---|
| 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 | 3 | 3 | 3 | 2 | 1 | 1 | |
| EBITDA* |
* Earnings Before Interest, Tax, Depreciation and Amortisation
| Jan 2023 | Jan 2022 | Jan 2021 | Jan 2020 | Jan 2019 | Jan 2018 | Jan 2017 | |
|---|---|---|---|---|---|---|---|
| Tangible Assets | 0 | 0 | 200 | 450 | 775 | 750 | 350 |
| Intangible Assets | 0 | 0 | 0 | 0 | 0 | 0 | 0 |
| Investments & Other | 0 | 0 | 0 | 0 | 0 | 0 | 0 |
| Debtors (Due After 1 year) | 0 | 0 | 0 | 0 | 0 | 0 | 0 |
| Total Fixed Assets | 0 | 0 | 200 | 450 | 775 | 750 | 350 |
| Stock & work in progress | 0 | 0 | 0 | 0 | 0 | 0 | 0 |
| Trade Debtors | 1,501 | 9,244 | 8,062 | 8,726 | 18,000 | 8,525 | 8,040 |
| Group Debtors | 0 | 0 | 0 | 0 | 0 | 0 | 0 |
| Misc Debtors | 0 | 0 | 0 | 0 | 0 | 0 | 0 |
| Cash | 0 | 0 | 0 | 0 | 0 | 0 | 0 |
| misc current assets | 0 | 0 | 0 | 0 | 0 | 0 | 0 |
| total current assets | 1,501 | 9,244 | 8,062 | 8,726 | 18,000 | 8,525 | 8,040 |
| total assets | 1,501 | 9,244 | 8,262 | 9,176 | 18,775 | 9,275 | 8,390 |
| Bank overdraft | 0 | 0 | 0 | 0 | 0 | 0 | 0 |
| Bank loan | 0 | 0 | 0 | 0 | 0 | 0 | 0 |
| Trade Creditors | 8,829 | 8,405 | 13,763 | 10,703 | 9,694 | 5,497 | 3,344 |
| Group/Directors Accounts | 0 | 0 | 0 | 0 | 0 | 0 | 0 |
| other short term finances | 0 | 0 | 0 | 0 | 0 | 0 | 0 |
| hp & lease commitments | 0 | 0 | 0 | 0 | 0 | 0 | 0 |
| other current liabilities | 0 | 0 | 0 | 0 | 0 | 0 | 0 |
| total current liabilities | 8,829 | 8,405 | 13,763 | 10,703 | 9,694 | 5,497 | 3,344 |
| loans | 0 | 0 | 0 | 0 | 0 | 0 | 0 |
| hp & lease commitments | 0 | 0 | 0 | 0 | 0 | 0 | 0 |
| Accruals and Deferred Income | 0 | 0 | 0 | 0 | 0 | 0 | 0 |
| other liabilities | 0 | 500 | 500 | 500 | 500 | 0 | 0 |
| provisions | 0 | 0 | 0 | 0 | 0 | 0 | 0 |
| total long term liabilities | 0 | 500 | 500 | 500 | 500 | 0 | 0 |
| total liabilities | 8,829 | 8,905 | 14,263 | 11,203 | 10,194 | 5,497 | 3,344 |
| net assets | -7,328 | 339 | -6,001 | -2,027 | 8,581 | 3,778 | 5,046 |
| total shareholders funds | -7,328 | 339 | -6,001 | -2,027 | 8,581 | 3,778 | 5,046 |
| Jan 2023 | Jan 2022 | Jan 2021 | Jan 2020 | Jan 2019 | Jan 2018 | Jan 2017 | |
|---|---|---|---|---|---|---|---|
| Operating Activities | |||||||
| Operating Profit | |||||||
| Depreciation | 0 | 0 | |||||
| Amortisation | 0 | 0 | |||||
| Tax | |||||||
| Stock | 0 | 0 | 0 | 0 | 0 | 0 | 0 |
| Debtors | -7,743 | 1,182 | -664 | -9,274 | 9,475 | 485 | 8,040 |
| Creditors | 424 | -5,358 | 3,060 | 1,009 | 4,197 | 2,153 | 3,344 |
| Accruals and Deferred Income | 0 | 0 | 0 | 0 | 0 | 0 | 0 |
| Deferred Taxes & Provisions | 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 |
| cash flow from investments | |||||||
| Financing Activities | |||||||
| Bank loans | 0 | 0 | 0 | 0 | 0 | 0 | 0 |
| Group/Directors Accounts | 0 | 0 | 0 | 0 | 0 | 0 | 0 |
| Other Short Term Loans | 0 | 0 | 0 | 0 | 0 | 0 | 0 |
| Long term loans | 0 | 0 | 0 | 0 | 0 | 0 | 0 |
| Hire Purchase and Lease Commitments | 0 | 0 | 0 | 0 | 0 | 0 | 0 |
| other long term liabilities | -500 | 0 | 0 | 0 | 500 | 0 | 0 |
| share issue | |||||||
| interest | |||||||
| cash flow from financing | |||||||
| cash and cash equivalents | |||||||
| cash | 0 | 0 | 0 | 0 | 0 | 0 | 0 |
| overdraft | 0 | 0 | 0 | 0 | 0 | 0 | 0 |
| change in cash | 0 | 0 | 0 | 0 | 0 | 0 | 0 |
toft financial limited Credit Report and Business Information
Toft Financial Limited Competitor Analysis
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 directors
Toft Financial Limited currently has 2 directors. The longest serving directors include Mr Duncan Selkirk (Mar 2016) and Mrs Nancy Selkirk (Apr 2020).
| officer | country | age | start | end | role |
|---|---|---|---|---|---|
| Mr Duncan Selkirk | England | 47 years | Mar 2016 | - | Director |
| Mrs Nancy Selkirk | United Kingdom | 47 years | Apr 2020 | - | Director |
P&L
January 2023turnover
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 2023net 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
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.
toft financial limited Companies House Filings - See Documents
| date | description | view/download |
|---|
