a & r financials ltd
a & r financials ltd Company Information
Company Number
10362132
Website
-Registered Address
47 princes road, romford, RM1 2SP
Industry
Other financial service activities, except insurance and pension funding, (not including security dealing on own account and factoring) n.e.c.
Telephone
-
Next Accounts Due
June 2025
Group Structure
View All
Directors
Faisal Abidi8 Years
Shareholders
faisal abidi 100%
a & r financials ltd Estimated Valuation
Pomanda estimates the enterprise value of A & R FINANCIALS LTD at £69.6k based on a Turnover of £75.2k and 0.92x industry multiple (adjusted for size and gross margin).
a & r financials ltd Estimated Valuation
Pomanda estimates the enterprise value of A & R FINANCIALS LTD at £216 based on an EBITDA of £58 and a 3.69x industry multiple (adjusted for size and gross margin).
a & r financials ltd Estimated Valuation
Pomanda estimates the enterprise value of A & R FINANCIALS LTD at £5.3k based on Net Assets of £2.6k and 2.04x industry multiple (adjusted for liquidity).
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A & R Financials Ltd Overview
A & R Financials Ltd is a live company located in romford, RM1 2SP with a Companies House number of 10362132. It operates in the financial intermediation not elsewhere classified sector, SIC Code 64999. Founded in September 2016, it's largest shareholder is faisal abidi with a 100% stake. A & R Financials Ltd is a young, micro sized company, Pomanda has estimated its turnover at £75.2k with declining growth in recent years.
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A & R Financials Ltd Health Check
Pomanda's financial health check has awarded A & R Financials Ltd a 0.5 rating. We use a traffic light system to show it exceeds the industry average on 0 measures and has 9 areas for improvement. Company Health Check FAQs
0 Strong
1 Regular
9 Weak
Size
annual sales of £75.2k, make it smaller than the average company (£4.5m)
- A & R Financials Ltd
£4.5m - Industry AVG
Growth
3 year (CAGR) sales growth of -2%, show it is growing at a slower rate (4.3%)
- A & R Financials Ltd
4.3% - Industry AVG
Production
with a gross margin of 19.7%, this company has a higher cost of product (59.7%)
- A & R Financials Ltd
59.7% - Industry AVG
Profitability
an operating margin of 0.1% make it less profitable than the average company (10.3%)
- A & R Financials Ltd
10.3% - Industry AVG
Employees
with 1 employees, this is below the industry average (14)
1 - A & R Financials Ltd
14 - Industry AVG
Pay Structure
on an average salary of £76.3k, the company has an equivalent pay structure (£76.3k)
- A & R Financials Ltd
£76.3k - Industry AVG
Efficiency
resulting in sales per employee of £75.2k, this is less efficient (£212.7k)
- A & R Financials Ltd
£212.7k - Industry AVG
Debtor Days
it gets paid by customers after 78 days, this is later than average (31 days)
- A & R Financials Ltd
31 days - Industry AVG
Creditor Days
its suppliers are paid after 20 days, this is quicker than average (38 days)
- A & R Financials Ltd
38 days - Industry AVG
Stock Days
There is insufficient data available for this Key Performance Indicator!
- A & R Financials Ltd
- - Industry AVG
Cash Balance
There is insufficient data available for this Key Performance Indicator!
- - A & R Financials Ltd
- - Industry AVG
Debt Level
it has a ratio of liabilities to total assets of 85.7%, this is a higher level of debt than the average (57.6%)
85.7% - A & R Financials Ltd
57.6% - Industry AVG
A & R FINANCIALS LTD financials
A & R Financials Ltd's latest turnover from September 2023 is estimated at £75.2 thousand and the company has net assets of £2.6 thousand. According to their latest financial statements, A & R Financials Ltd has 1 employee and maintains cash reserves of 0 as reported in the balance sheet.
Data source: Companies House, Pomanda Estimates
| Sep 2023 | Sep 2022 | Sep 2021 | Sep 2020 | Sep 2019 | Sep 2018 | Sep 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 | 1 | 1 | 1 | 1 | 2 | ||
| EBITDA* |
* Earnings Before Interest, Tax, Depreciation and Amortisation
| Sep 2023 | Sep 2022 | Sep 2021 | Sep 2020 | Sep 2019 | Sep 2018 | Sep 2017 | |
|---|---|---|---|---|---|---|---|
| Tangible Assets | 2,182 | 2,727 | 3,408 | 4,260 | 1,734 | 1,927 | 1,560 |
| 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 | 2,182 | 2,727 | 3,408 | 4,260 | 1,734 | 1,927 | 1,560 |
| Stock & work in progress | 0 | 0 | 0 | 0 | 0 | 0 | 0 |
| Trade Debtors | 16,086 | 16,026 | 23,389 | 22,834 | 14,511 | 3,000 | 0 |
| Group Debtors | 0 | 0 | 0 | 0 | 0 | 0 | 0 |
| Misc Debtors | 0 | 0 | 0 | 0 | 0 | 0 | 3,000 |
| Cash | 0 | 0 | 0 | 0 | 0 | 9,516 | 25,031 |
| misc current assets | 0 | 0 | 0 | 0 | 0 | 0 | 0 |
| total current assets | 16,086 | 16,026 | 23,389 | 22,834 | 14,511 | 12,516 | 28,031 |
| total assets | 18,268 | 18,753 | 26,797 | 27,094 | 16,245 | 14,443 | 29,591 |
| Bank overdraft | 0 | 0 | 0 | 0 | 0 | 0 | 0 |
| Bank loan | 0 | 0 | 0 | 0 | 0 | 0 | 0 |
| Trade Creditors | 3,366 | 1,698 | 2,473 | 1,279 | 904 | 3,803 | 7,900 |
| Group/Directors Accounts | 0 | 0 | 0 | 0 | 0 | 0 | 10,100 |
| 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 | 4,267 |
| total current liabilities | 3,366 | 1,698 | 2,473 | 1,279 | 904 | 3,803 | 22,267 |
| loans | 0 | 0 | 0 | 0 | 0 | 0 | 5,000 |
| hp & lease commitments | 0 | 0 | 0 | 0 | 0 | 0 | 0 |
| Accruals and Deferred Income | 221 | 1,344 | 3,211 | 1,626 | 826 | 0 | 0 |
| other liabilities | 12,069 | 13,143 | 14,000 | 14,000 | 5,000 | 5,000 | 0 |
| provisions | 0 | 0 | 0 | 0 | 0 | 0 | 0 |
| total long term liabilities | 12,290 | 14,487 | 17,211 | 15,626 | 5,826 | 5,000 | 5,000 |
| total liabilities | 15,656 | 16,185 | 19,684 | 16,905 | 6,730 | 8,803 | 27,267 |
| net assets | 2,612 | 2,568 | 7,113 | 10,189 | 9,515 | 5,640 | 2,324 |
| total shareholders funds | 2,612 | 2,568 | 7,113 | 10,189 | 9,515 | 5,640 | 2,324 |
| Sep 2023 | Sep 2022 | Sep 2021 | Sep 2020 | Sep 2019 | Sep 2018 | Sep 2017 | |
|---|---|---|---|---|---|---|---|
| Operating Activities | |||||||
| Operating Profit | |||||||
| Depreciation | 390 | ||||||
| Amortisation | 0 | 0 | |||||
| Tax | |||||||
| Stock | 0 | 0 | 0 | 0 | 0 | 0 | 0 |
| Debtors | 60 | -7,363 | 555 | 8,323 | 11,511 | 0 | 3,000 |
| Creditors | 1,668 | -775 | 1,194 | 375 | -2,899 | -4,097 | 7,900 |
| Accruals and Deferred Income | -1,123 | -1,867 | 1,585 | 800 | 826 | -4,267 | 4,267 |
| 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 | -10,100 | 10,100 |
| Other Short Term Loans | 0 | 0 | 0 | 0 | 0 | 0 | 0 |
| Long term loans | 0 | 0 | 0 | 0 | 0 | -5,000 | 5,000 |
| Hire Purchase and Lease Commitments | 0 | 0 | 0 | 0 | 0 | 0 | 0 |
| other long term liabilities | -1,074 | -857 | 0 | 9,000 | 0 | 5,000 | 0 |
| share issue | |||||||
| interest | |||||||
| cash flow from financing | |||||||
| cash and cash equivalents | |||||||
| cash | 0 | 0 | 0 | 0 | -9,516 | -15,515 | 25,031 |
| overdraft | 0 | 0 | 0 | 0 | 0 | 0 | 0 |
| change in cash | 0 | 0 | 0 | 0 | -9,516 | -15,515 | 25,031 |
a & r financials ltd Credit Report and Business Information
A & R Financials Ltd Competitor Analysis
Perform a competitor analysis for a & r financials ltd by selecting its closest rivals, whether from the FINANCIAL AND INSURANCE ACTIVITIES sector, other micro companies, companies in RM1 area or any other competitors across 12 key performance metrics.
a & r financials ltd Ownership
A & R FINANCIALS LTD group structure
A & R Financials Ltd has no subsidiary companies.
Ultimate parent company
A & R FINANCIALS LTD
10362132
a & r financials ltd directors
A & R Financials Ltd currently has 1 director, Mr Faisal Abidi serving since Sep 2016.
| officer | country | age | start | end | role |
|---|---|---|---|---|---|
| Mr Faisal Abidi | United Kingdom | 52 years | Sep 2016 | - | Director |
P&L
September 2023turnover
75.2k
+5%
operating profit
58.7
0%
gross margin
19.8%
-17.2%
turnover
Turnover, or revenue, is the amount of sales generated by a company within the financial year.
Balance Sheet
September 2023net assets
2.6k
+0.02%
total assets
18.3k
-0.03%
cash
0
0%
net assets
Total assets minus all liabilities
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a & r financials ltd company details
company number
10362132
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
September 2016
age
8
incorporated
UK
accounts
Micro-Entity Accounts
ultimate parent company
previous names
N/A
last accounts submitted
September 2023
address
47 princes road, romford, RM1 2SP
accountant
-
auditor
-
a & r financials 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 a & r financials ltd.
a & r financials ltd Companies House Filings - See Documents
| date | description | view/download |
|---|
