If Lending (uk) Ltd

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if lending (uk) ltd Company Information

Company Number

10384461

Next Accounts

Jun 2025

Directors

Max Mortimer

Alessio Marinelli

Shareholders

alessio marinelli

max stuart mortimer

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Group Structure

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Industry

Other credit granting (not including credit granting by non-deposit taking finance houses and other specialist consumer credit grantors and activities of mortgage finance companies) n.e.c.

Registered Address

7 bell yard, london, WC2A 2JR

Website

if lending (uk) ltd Estimated Valuation

£1.1m

Pomanda estimates the enterprise value of IF LENDING (UK) LTD at £1.1m based on a Turnover of £1.1m and 1.01x industry multiple (adjusted for size and gross margin).

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If Lending (uk) Ltd is a live company located in london, WC2A 2JR with a Companies House number of 10384461. It operates in the other credit granting n.e.c. sector, SIC Code 64929. Founded in September 2016, it's largest shareholder is alessio marinelli with a 28.3% stake. If Lending (uk) Ltd is a young, small sized company, Pomanda has estimated its turnover at £1.1m with declining growth in recent years.

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Pomanda's financial health check has awarded If Lending (Uk) Ltd a 2 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 Rating2out of 5

2 Strong

1 Regular

7 Weak

Size

annual sales of £1.1m, make it smaller than the average company (£3.5m)

Growth

3 year (CAGR) sales growth of -8%, show it is growing at a slower rate (3.9%)

EXPORT

If Lending (Uk) Ltd's latest turnover from September 2023 is estimated at £1.1 million and the company has net assets of -£178.9 thousand. According to their latest financial statements, we estimate that If Lending (Uk) 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	1,129,847	1,336,043	641,026	1,461,571	1,995,490	1,234,182	606,981
Other Income Or Grants
Cost Of Sales	706,560	818,913	395,226	900,193	1,320,735	579,969	311,204
Gross Profit	423,287	517,130	245,799	561,379	674,755	654,212	295,777
Admin Expenses	429,778	559,914	434,871	559,709	749,956	478,890	306,829
Operating Profit	-6,491	-42,784	-189,072	1,670	-75,201	175,322	-11,052
Interest Payable
Interest Receivable					1,091	1,415	108
Pre-Tax Profit	-6,491	-42,784	-189,072	1,670	-74,110	176,737	-10,944
Tax				-317		-33,580
Profit After Tax	-6,491	-42,784	-189,072	1,353	-74,110	143,157	-10,944
Dividends Paid
Retained Profit	-6,491	-42,784	-189,072	1,353	-74,110	143,157	-10,944
Employee Costs	70,283	136,424	62,529	108,130	149,890	100,877	91,996
Number Of Employees	1	2	1	2	3	2	2
EBITDA*	-6,491	-42,784	-189,072	1,670	-75,201	175,322	-11,052

* Earnings Before Interest, Tax, Depreciation and Amortisation

	Sep 2023	Sep 2022	Sep 2021	Sep 2020	Sep 2019	Sep 2018	Sep 2017
Tangible Assets						950,000
Intangible Assets
Investments & Other
Debtors (Due After 1 year)
Total Fixed Assets						950,000
Stock & work in progress
Trade Debtors	2,615,288	2,621,779	2,681,907	3,047,763	6,771,233	3,916,041	1,264,272
Group Debtors
Misc Debtors							20,000
Cash						290,866	86,548
misc current assets
total current assets	2,615,288	2,621,779	2,681,907	3,047,763	6,771,233	4,206,907	1,370,820
total assets	2,615,288	2,621,779	2,681,907	3,047,763	6,771,233	5,156,907	1,370,820
Bank overdraft
Bank loan
Trade Creditors	2,744,179	2,744,179	2,761,523	2,830,904	6,355,337	5,024,560	1,321,359
Group/Directors Accounts
other short term finances
hp & lease commitments
other current liabilities							60,271
total current liabilities	2,744,179	2,744,179	2,761,523	2,830,904	6,355,337	5,024,560	1,381,630
loans
hp & lease commitments
Accruals and Deferred Income					282,886
other liabilities	50,000	50,000	50,000	157,403	74,907
provisions
total long term liabilities	50,000	50,000	50,000	157,403	357,793
total liabilities	2,794,179	2,794,179	2,811,523	2,988,307	6,713,130	5,024,560	1,381,630
net assets	-178,891	-172,400	-129,616	59,456	58,103	132,347	-10,810
total shareholders funds	-178,891	-172,400	-129,616	59,456	58,103	132,347	-10,810

	Sep 2023	Sep 2022	Sep 2021	Sep 2020	Sep 2019	Sep 2018	Sep 2017
Operating Activities
Operating Profit	-6,491	-42,784	-189,072	1,670	-75,201	175,322	-11,052
Depreciation
Amortisation
Tax				-317		-33,580
Stock
Debtors	-6,491	-60,128	-365,856	-3,723,470	2,855,192	2,631,769	1,284,272
Creditors		-17,344	-69,381	-3,524,433	1,330,777	3,703,201	1,321,359
Accruals and Deferred Income				-282,886	282,886	-60,271	60,271
Deferred Taxes & Provisions
Cash flow from operations			107,403	-82,496	-1,316,730	1,152,903	86,306
Investing Activities
capital expenditure					950,000	-950,000
Change in Investments
cash flow from investments					950,000	-950,000
Financing Activities
Bank loans
Group/Directors Accounts
Other Short Term Loans
Long term loans
Hire Purchase and Lease Commitments
other long term liabilities			-107,403	82,496	74,907
share issue					-134		134
interest					1,091	1,415	108
cash flow from financing			-107,403	82,496	75,864	1,415	242
cash and cash equivalents
cash					-290,866	204,318	86,548
overdraft
change in cash					-290,866	204,318	86,548

Very Low Risk70 - 100

Low Risk50 - 70

Moderate Risk30 - 50

High Risk20 - 30

Very High Risk0 - 20

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Perform a competitor analysis for if lending (uk) ltd by selecting its closest rivals, whether from the FINANCIAL AND INSURANCE ACTIVITIES sector, other small companies, companies in WC2A area or any other competitors across 12 key performance metrics.

IF LENDING (UK) LTD group structure

If Lending (Uk) Ltd has no subsidiary companies.

Ultimate parent company

IF LENDING (UK) LTD

10384461

IF LENDING (UK) LTD Shareholders

alessio marinelli	28.28%
max stuart mortimer	25.08%
yes growth ltd.	25%
schneider investment associates llp	5.25%
dean locke	2.99%
rodney offer	2.4%
peter goulston	2.1%
peter chapman	2.1%
joan fuste marinel-lo	1%
alessandro ortolani	0.94%

If Lending (Uk) Ltd currently has 2 directors. The longest serving directors include Mr Max Mortimer (Sep 2016) and Mr Alessio Marinelli (Sep 2016).

officer	country	age	start	end	role
Mr Max Mortimer	United Kingdom	51 years	Sep 2016	-	Director
Mr Alessio Marinelli		50 years	Sep 2016	-	Director

P&L

September 2023

turnover

1.1m

-15%

operating profit

-6.5k

gross margin

37.5%

-3.21%

turnover

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

Balance Sheet

September 2023

net assets

-178.9k

+0.04%

total assets

2.6m

cash

net assets

Total assets minus all liabilities

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company number

10384461

Type

Private limited with Share Capital

industry

64929 - Other credit granting (not including credit granting by non-deposit taking finance houses and other specialist consumer credit grantors and activities of mortgage finance companies) n.e.c.

incorporation date

September 2016

ultimate parent company

None

previous names

N/A

address

7 bell yard, london, WC2A 2JR

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 3 charges/mortgages relating to if lending (uk) ltd. Currently there are 2 open charges and 1 have been satisfied in the past.

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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if lending (uk) ltd Company Information

if lending (uk) ltd Estimated Valuation

if lending (uk) ltd Estimated Valuation

if lending (uk) ltd Estimated Valuation

If Lending (uk) Ltd Overview

If Lending (uk) Ltd Health Check

IF LENDING (UK) LTD financials

if lending (uk) ltd Credit Report and Business Information

If Lending (uk) Ltd Competitor Analysis

if lending (uk) ltd Ownership

if lending (uk) ltd directors

if lending (uk) ltd company details

if lending (uk) ltd Charges & Mortgages

if lending (uk) ltd Capital Raised & Share Issues BETA

if lending (uk) ltd Companies House Filings - See Documents