Pomanda estimates the enterprise value of INCLUSIVE FINANCE LIMITED at £53.9m based on a Turnover of £17.8m and 3.04x industry multiple (adjusted for size and gross margin).
inclusive finance limitedEstimated Valuation
£0
Pomanda estimates the enterprise value of INCLUSIVE FINANCE LIMITED at £0 based on an EBITDA of £-7.9m and a 11.63x industry multiple (adjusted for size and gross margin).
inclusive finance limitedEstimated Valuation
£0
Pomanda estimates the enterprise value of INCLUSIVE FINANCE LIMITED at £0 based on Net Assets of £-17.3m and 2.38x industry multiple (adjusted for liquidity).
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Inclusive Finance LimitedOverview
Inclusive Finance Limited is a live company located in london, W1F 0UW with a Companies House number of 10522518. It operates in the credit granting by non-deposit taking finance houses and other specialist consumer credit grantors sector, SIC Code 64921. Founded in December 2016, it's largest shareholder is
hi-co holdings llc
with a 21.2% stake. Inclusive Finance Limited is a young,
mid sized company, Pomanda has estimated its turnover at
£17.8m with
rapid
growth in recent years.
Pomanda's financial health check has awarded Inclusive Finance Limited a 3.5 rating. We use a traffic light system to show it exceeds the industry average on 5 measures and has 4 areas for improvement. Company Health Check FAQs
Health Rating3.5out of 5
5 Strong
2 Regular
4 Weak
Size
annual sales of £17.8m, make it in line with the average company (£16m)
£17.8m - Inclusive Finance Limited
£16m - Industry AVG
Growth
3 year (CAGR) sales growth of 210%, show it is growing at a faster rate (17.4%)
210% - Inclusive Finance Limited
17.4% - Industry AVG
Production
with a gross margin of 64.4%, this company has a lower cost of product (16.9%)
64.4% - Inclusive Finance Limited
16.9% - Industry AVG
Profitability
an operating margin of -44.8% make it less profitable than the average company (5.4%)
-44.8% - Inclusive Finance Limited
5.4% - Industry AVG
Employees
with 57 employees, this is above the industry average (16)
57 - Inclusive Finance Limited
16 - Industry AVG
Pay Structure
on an average salary of £66.8k, the company has an equivalent pay structure (£65.2k)
£66.8k - Inclusive Finance Limited
£65.2k - Industry AVG
Efficiency
resulting in sales per employee of £311.6k, this is less efficient (£433.2k)
£311.6k - Inclusive Finance Limited
£433.2k - Industry AVG
Debtor Days
it gets paid by customers after 2 days, this is earlier than average (55 days)
2 days - Inclusive Finance Limited
55 days - Industry AVG
Creditor Days
its suppliers are paid after 99 days, this is quicker than average (155 days)
99 days - Inclusive Finance Limited
155 days - Industry AVG
Stock Days
There is insufficient data available for this Key Performance Indicator!
- - Inclusive Finance Limited
- - Industry AVG
Cash Balance
has cash to cover current liabilities
for 35 weeks, this is more cash available to meet short term requirements (5 weeks)
35 weeks - Inclusive Finance Limited
5 weeks - Industry AVG
Debt Level
it has a ratio of liabilities to total assets of 134.4%, this is a higher level of debt than the average (100%)
134.4% - Inclusive Finance Limited
100% - Industry AVG
INCLUSIVE FINANCE LIMITED financials
EXPORT
Inclusive Finance Limited's latest turnover from December 2023 is £17.8 million and the company has net assets of -£17.3 million. According to their latest financial statements, Inclusive Finance Limited has 57 employees and maintains cash reserves of £5.5 million as reported in the balance sheet.
Data source:Companies House, Pomanda Estimates
Dec 2023
Dec 2022
Dec 2021
Dec 2020
Dec 2019
Dec 2018
Dec 2017
Turnover
17,760,359
8,369,150
2,520,805
594,294
2,998,651
653,606
555,144
Other Income Or Grants
-2,756,475
Cost Of Sales
6,325,157
2,830,738
708,432
490,504
2,280,620
455,369
297,349
Gross Profit
11,435,202
5,538,412
-944,102
103,790
718,032
198,238
257,795
Admin Expenses
19,401,304
15,705,108
6,361,167
2,275,338
3,042,248
1,314,950
787,213
Operating Profit
-7,966,102
-10,166,696
-7,305,269
-2,171,548
-2,324,216
-1,116,712
-529,418
Interest Payable
1,909,576
562,912
376,617
302,958
38,942
Interest Receivable
326
4,822
8,376
4,077
Pre-Tax Profit
-9,875,678
-11,337,637
-8,246,619
-2,474,180
-2,358,336
-1,108,336
-525,341
Tax
6,252
8,317
Profit After Tax
-9,875,678
-11,337,637
-8,240,367
-2,465,863
-2,358,336
-1,108,336
-525,341
Dividends Paid
Retained Profit
-9,875,678
-11,337,637
-8,240,367
-2,465,863
-2,358,336
-1,108,336
-525,341
Employee Costs
3,805,466
2,290,394
1,170,744
741,619
498,076
291,037
145,929
Number Of Employees
57
37
21
13
9
6
3
EBITDA*
-7,850,505
-10,087,929
-7,293,289
-2,160,587
-2,312,637
-1,115,818
-525,246
* Earnings Before Interest, Tax, Depreciation and Amortisation
Dec 2023
Dec 2022
Dec 2021
Dec 2020
Dec 2019
Dec 2018
Dec 2017
Tangible Assets
118,705
113,859
95,548
11,419
11,523
9,842
9,189
Intangible Assets
350,306
335,223
279,251
11,128
12,616
10,475
1,057
Investments & Other
1
1
Debtors (Due After 1 year)
Total Fixed Assets
469,011
449,082
374,799
22,547
24,139
20,318
10,247
Stock & work in progress
Trade Debtors
119,488
77,711
119,137
1,486,686
1,078,319
59,330
Group Debtors
Misc Debtors
65,794
122,838
31,952
65,000
24,396
44,302
17,989
Cash
5,524,209
2,746,740
2,321,554
4,077,902
683,246
602,724
1,630,847
misc current assets
44,238,297
21,354,571
9,453,210
total current assets
49,947,788
24,301,860
11,925,853
5,629,588
1,785,961
706,356
1,648,836
total assets
50,416,799
24,750,942
12,300,652
5,652,135
1,810,100
726,674
1,659,083
Bank overdraft
44,167
6,201
Bank loan
Trade Creditors
1,727,409
1,084,353
404,151
960
Group/Directors Accounts
2,503,767
other short term finances
6,372,910
5,915,263
9,977,810
hp & lease commitments
50,546
other current liabilities
690,625
345,265
2,294,342
808,072
62,201
95,618
total current liabilities
8,100,319
7,690,241
13,325,706
2,300,543
808,072
63,161
95,618
loans
119,293,392
49,163,608
20,107,130
43,799
1,153,850
hp & lease commitments
Accruals and Deferred Income
other liabilities
7,173,544
2,422,529
2,292,067
2,083,697
provisions
total long term liabilities
59,646,696
24,581,804
10,053,565
7,217,343
3,576,379
2,292,067
2,083,697
total liabilities
67,747,015
32,272,045
23,379,271
9,517,886
4,384,451
2,355,228
2,179,315
net assets
-17,330,216
-7,521,103
-11,078,619
-3,865,751
-2,574,351
-1,628,554
-520,232
total shareholders funds
-17,330,216
-7,521,103
-11,078,619
-3,865,751
-2,574,351
-1,628,554
-520,232
Dec 2023
Dec 2022
Dec 2021
Dec 2020
Dec 2019
Dec 2018
Dec 2017
Operating Activities
Operating Profit
-7,966,102
-10,166,696
-7,305,269
-2,171,548
-2,324,216
-1,116,712
-529,418
Depreciation
56,420
29,698
11,980
9,473
10,202
867
4,145
Amortisation
59,177
49,069
1,488
1,377
27
27
Tax
6,252
8,317
Stock
Debtors
-15,267
49,460
-1,400,597
448,971
999,083
85,643
17,989
Creditors
643,056
680,202
404,151
-960
960
Accruals and Deferred Income
-690,625
345,360
-1,949,077
1,486,270
745,871
-33,417
95,618
Deferred Taxes & Provisions
Cash flow from operations
-7,882,807
-9,111,827
-7,431,366
-1,114,971
-2,566,809
-1,233,918
-447,617
Investing Activities
capital expenditure
-135,526
-153,050
-364,232
-9,369
-15,401
-10,965
-14,418
Change in Investments
-1
1
cash flow from investments
-135,526
-153,050
-364,232
-9,369
-15,400
-10,965
-14,419
Financing Activities
Bank loans
Group/Directors Accounts
-2,503,767
2,503,767
Other Short Term Loans
457,647
-4,062,547
9,977,810
Long term loans
70,129,784
29,056,478
20,063,331
-1,110,051
1,153,850
Hire Purchase and Lease Commitments
-50,546
50,546
other long term liabilities
-7,173,544
4,751,015
130,462
208,370
2,083,697
share issue
66,565
14,895,153
1,027,499
1,174,463
1,412,539
14
5,109
interest
-1,909,576
-562,912
-376,617
-302,632
-34,120
8,376
4,077
cash flow from financing
68,744,420
36,771,859
26,072,792
4,512,795
2,662,731
216,760
2,092,883
cash and cash equivalents
cash
2,777,469
425,186
-1,756,348
3,394,656
80,522
-1,028,123
1,630,847
overdraft
-44,167
37,966
6,201
change in cash
2,777,469
469,353
-1,794,314
3,388,455
80,522
-1,028,123
1,630,847
inclusive finance 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 inclusive finance limited. Get real-time insights into inclusive finance limited's credit score, group structure and payment trends.
Perform a competitor analysis for inclusive finance limited by selecting its closest rivals, whether from the FINANCIAL AND INSURANCE ACTIVITIES sector, other mid companies, companies in W1F area or any other competitors across 12 key performance metrics.
inclusive finance limited Ownership
INCLUSIVE FINANCE LIMITED group structure
Inclusive Finance Limited has 2 subsidiary companies.
64921 - Credit granting by non-deposit taking finance houses and other specialist consumer credit grantors
incorporation date
December 2016
age
9
incorporated
UK
ultimate parent company
None
accounts
Group
last accounts submitted
December 2023
previous names
N/A
accountant
-
auditor
DELOITTE LLP
address
119 wardour street, first floor, london, W1F 0UW
Bank
BARCLAYS BANK PLC
Legal Advisor
-
inclusive finance 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 found 7 charges/mortgages relating to inclusive finance limited. Currently there are 2 open charges and 5 have been satisfied in the past.
inclusive finance 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.
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inclusive finance limitedCompanies House Filings - See Documents
