Pomanda estimates the enterprise value of LEND DIRECT GROUP LIMITED at £161.4k based on a Turnover of £323.4k and 0.5x industry multiple (adjusted for size and gross margin).
lend direct group limitedEstimated Valuation
£1.6m
Pomanda estimates the enterprise value of LEND DIRECT GROUP LIMITED at £1.6m based on an EBITDA of £446.1k and a 3.57x industry multiple (adjusted for size and gross margin).
lend direct group limitedEstimated Valuation
£514.5k
Pomanda estimates the enterprise value of LEND DIRECT GROUP LIMITED at £514.5k based on Net Assets of £217.4k and 2.37x industry multiple (adjusted for liquidity).
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Lend Direct Group LimitedOverview
Lend Direct Group Limited is a live company located in london, N1 7GU with a Companies House number of 10734400. It operates in the other business support service activities n.e.c. sector, SIC Code 82990. Founded in April 2017, it's largest shareholder is
gabsdan developments limited
with a 100% stake. Lend Direct Group Limited is a young,
micro sized company, Pomanda has estimated its turnover at
£323.4k with
declining
growth in recent years.
Pomanda's financial health check has awarded Lend Direct Group Limited a 1.5 rating. We use a traffic light system to show it exceeds the industry average on 1 measures and has 7 areas for improvement. Company Health Check FAQs
Health Rating1.5out of 5
1 Strong
2 Regular
7 Weak
Size
annual sales of £323.4k, make it smaller than the average company (£3.7m)
£323.4k - Lend Direct Group Limited
£3.7m - Industry AVG
Growth
3 year (CAGR) sales growth of -11%, show it is growing at a slower rate (8.3%)
-11% - Lend Direct Group Limited
8.3% - Industry AVG
Production
with a gross margin of 37.9%, this company has a comparable cost of product (37.9%)
37.9% - Lend Direct Group Limited
37.9% - Industry AVG
Profitability
an operating margin of 76.6% make it more profitable than the average company (5.7%)
76.6% - Lend Direct Group Limited
5.7% - Industry AVG
Employees
with 4 employees, this is below the industry average (22)
4 - Lend Direct Group Limited
22 - Industry AVG
Pay Structure
on an average salary of £46.6k, the company has an equivalent pay structure (£46.6k)
£46.6k - Lend Direct Group Limited
£46.6k - Industry AVG
Efficiency
resulting in sales per employee of £80.8k, this is less efficient (£145.7k)
£80.8k - Lend Direct Group Limited
£145.7k - Industry AVG
Debtor Days
There is insufficient data available for this Key Performance Indicator!
- - Lend Direct Group Limited
- - Industry AVG
Creditor Days
its suppliers are paid after 11 days, this is quicker than average (33 days)
11 days - Lend Direct Group Limited
33 days - Industry AVG
Stock Days
There is insufficient data available for this Key Performance Indicator!
- - Lend Direct Group Limited
- - Industry AVG
Cash Balance
has cash to cover current liabilities
for 0 weeks, this is less cash available to meet short term requirements (26 weeks)
0 weeks - Lend Direct Group Limited
26 weeks - Industry AVG
Debt Level
it has a ratio of liabilities to total assets of 97.2%, this is a higher level of debt than the average (59%)
97.2% - Lend Direct Group Limited
59% - Industry AVG
LEND DIRECT GROUP LIMITED financials
EXPORT
Lend Direct Group Limited's latest turnover from March 2024 is estimated at £323.4 thousand and the company has net assets of £217.4 thousand. According to their latest financial statements, Lend Direct Group Limited has 4 employees and maintains cash reserves of £16 thousand as reported in the balance sheet.
Data source:Companies House, Pomanda Estimates
Mar 2024
Mar 2023
Mar 2022
Mar 2021
Mar 2020
Mar 2019
Apr 2018
Turnover
323,381
982,921
608,842
456,742
383,671
197,391
93,789
Other Income Or Grants
Cost Of Sales
200,756
603,696
378,248
286,694
237,901
122,871
58,701
Gross Profit
122,625
379,225
230,594
170,047
145,770
74,520
35,088
Admin Expenses
-125,048
388,973
2,295,485
-483,789
-512,586
-553,687
-599,072
Operating Profit
247,673
-9,748
-2,064,891
653,836
658,356
628,207
634,160
Interest Payable
Interest Receivable
1,231
15,080
3,348
499
644
1,926
26
Pre-Tax Profit
248,904
5,332
-2,061,543
654,336
659,000
630,133
634,186
Tax
-62,226
-1,013
-124,324
-125,210
-119,725
-120,495
Profit After Tax
186,678
4,319
-2,061,543
530,012
533,790
510,408
513,691
Dividends Paid
Retained Profit
186,678
4,319
-2,061,543
530,012
533,790
510,408
513,691
Employee Costs
186,578
313,370
337,961
240,813
119,253
77,151
39,199
Number Of Employees
4
7
8
6
3
2
1
EBITDA*
446,095
133,839
-1,959,143
732,473
704,362
645,050
637,496
* Earnings Before Interest, Tax, Depreciation and Amortisation
Mar 2024
Mar 2023
Mar 2022
Mar 2021
Mar 2020
Mar 2019
Apr 2018
Tangible Assets
13,041
25,876
3,162
5,919
7,374
2,624
Intangible Assets
1,343,595
1,100,569
912,311
755,691
538,814
257,117
82,133
Investments & Other
6,548
35,020
35,020
20
20
Debtors (Due After 1 year)
Total Fixed Assets
1,363,184
1,161,465
950,493
761,630
546,208
259,741
82,133
Stock & work in progress
Trade Debtors
Group Debtors
126,176
51,945
1
Misc Debtors
6,241,187
5,988,507
4,968,448
3,380,545
3,250,343
3,611,865
3,713,050
Cash
15,950
30,949
678,706
214,040
784,765
503,343
10,381
misc current assets
total current assets
6,257,137
6,019,456
5,773,330
3,646,530
4,035,108
4,115,208
3,723,432
total assets
7,620,321
7,180,921
6,723,823
4,408,160
4,581,316
4,374,949
3,805,565
Bank overdraft
Bank loan
Trade Creditors
6,087
24,660
27,241
20,508
7,551
Group/Directors Accounts
6,688,175
6,602,456
6,379,287
440,485
372,999
369,999
10,000
other short term finances
hp & lease commitments
3,468
3,468
other current liabilities
471,606
271,530
97,656
1,735,814
2,650,427
2,960,342
3,274,322
total current liabilities
7,169,336
6,877,454
6,501,603
2,203,540
3,023,426
3,350,849
3,291,873
loans
hp & lease commitments
19,403
22,871
Accruals and Deferred Income
other liabilities
provisions
214,226
249,918
195,861
116,718
total long term liabilities
233,629
272,789
195,861
116,718
total liabilities
7,402,965
7,150,243
6,697,464
2,320,258
3,023,426
3,350,849
3,291,873
net assets
217,356
30,678
26,359
2,087,902
1,557,890
1,024,100
513,692
total shareholders funds
217,356
30,678
26,359
2,087,902
1,557,890
1,024,100
513,692
Mar 2024
Mar 2023
Mar 2022
Mar 2021
Mar 2020
Mar 2019
Apr 2018
Operating Activities
Operating Profit
247,673
-9,748
-2,064,891
653,836
658,356
628,207
634,160
Depreciation
12,835
15,478
2,757
2,634
1,788
687
Amortisation
185,587
128,109
102,991
76,003
44,218
16,156
3,336
Tax
-62,226
-1,013
-124,324
-125,210
-119,725
-120,495
Stock
Debtors
252,680
893,883
1,662,134
182,147
-361,522
-101,186
3,713,051
Creditors
6,087
-24,660
-2,581
27,241
-20,508
12,957
7,551
Accruals and Deferred Income
200,076
173,874
-1,638,158
-914,613
-309,915
-313,980
3,274,322
Deferred Taxes & Provisions
-35,692
54,057
79,143
116,718
Cash flow from operations
301,660
-557,786
-5,182,873
-344,652
610,251
325,488
85,823
Investing Activities
capital expenditure
-428,613
-354,559
-259,611
-294,059
-332,453
-194,451
-85,469
Change in Investments
-28,472
35,000
20
cash flow from investments
-400,141
-354,559
-294,611
-294,059
-332,473
-194,451
-85,469
Financing Activities
Bank loans
Group/Directors Accounts
85,719
223,169
5,938,802
67,486
3,000
359,999
10,000
Other Short Term Loans
Long term loans
Hire Purchase and Lease Commitments
-3,468
26,339
other long term liabilities
share issue
1
interest
1,231
15,080
3,348
499
644
1,926
26
cash flow from financing
83,482
264,588
5,942,150
67,985
3,644
361,925
10,027
cash and cash equivalents
cash
-14,999
-647,757
464,666
-570,725
281,422
492,962
10,381
overdraft
change in cash
-14,999
-647,757
464,666
-570,725
281,422
492,962
10,381
lend direct group 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 lend direct group limited. Get real-time insights into lend direct group limited's credit score, group structure and payment trends.
Perform a competitor analysis for lend direct group limited by selecting its closest rivals, whether from the ADMINISTRATIVE AND SUPPORT SERVICE ACTIVITIES sector, other micro companies, companies in N 1 area or any other competitors across 12 key performance metrics.
lend direct group limited Ownership
LEND DIRECT GROUP LIMITED group structure
Lend Direct Group Limited has no subsidiary companies.
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 4 charges/mortgages relating to lend direct group limited. Currently there are 4 open charges and 0 have been satisfied in the past.
lend direct group 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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lend direct group limitedCompanies House Filings - See Documents
