Other financial service activities, except insurance and pension funding, (not including security dealing on own account and factoring) n.e.c.
Registered Address
dsg group fao just lend ltd/impa, bird hall lane, stockport, SK3 0UX
Website
-
just lend limitedEstimated Valuation
£584.7k
Pomanda estimates the enterprise value of JUST LEND LIMITED at £584.7k based on a Turnover of £477.1k and 1.23x industry multiple (adjusted for size and gross margin).
just lend limitedEstimated Valuation
£0
Pomanda estimates the enterprise value of JUST LEND LIMITED at £0 based on an EBITDA of £-143.6k and a 4.23x industry multiple (adjusted for size and gross margin).
just lend limitedEstimated Valuation
£37.1k
Pomanda estimates the enterprise value of JUST LEND LIMITED at £37.1k based on Net Assets of £28.4k and 1.31x industry multiple (adjusted for liquidity).
Edit your figures and get a professional valuation report.
Just Lend LimitedOverview
Just Lend Limited is a live company located in stockport, SK3 0UX with a Companies House number of 10880150. It operates in the financial intermediation not elsewhere classified sector, SIC Code 64999. Founded in July 2017, it's largest shareholder is
craig smith
with a 43.4% stake. Just Lend Limited is a young,
micro sized company, Pomanda has estimated its turnover at
£477.1k with
rapid
growth in recent years.
Pomanda's financial health check has awarded Just Lend Limited a 2 rating. We use a traffic light system to show it exceeds the industry average on 2 measures and has 6 areas for improvement. Company Health Check FAQs
Health Rating2out of 5
2 Strong
2 Regular
6 Weak
Size
annual sales of £477.1k, make it smaller than the average company (£4.7m)
£477.1k - Just Lend Limited
£4.7m - Industry AVG
Growth
3 year (CAGR) sales growth of 46%, show it is growing at a faster rate (3.7%)
46% - Just Lend Limited
3.7% - Industry AVG
Production
with a gross margin of 57%, this company has a comparable cost of product (57%)
57% - Just Lend Limited
57% - Industry AVG
Profitability
an operating margin of -30.2% make it less profitable than the average company (10%)
-30.2% - Just Lend Limited
10% - Industry AVG
Employees
with 3 employees, this is below the industry average (13)
3 - Just Lend Limited
13 - Industry AVG
Pay Structure
on an average salary of £76k, the company has an equivalent pay structure (£76k)
£76k - Just Lend Limited
£76k - Industry AVG
Efficiency
resulting in sales per employee of £159k, this is less efficient (£203.5k)
£159k - Just Lend Limited
£203.5k - Industry AVG
Debtor Days
There is insufficient data available for this Key Performance Indicator!
- - Just Lend Limited
- - Industry AVG
Creditor Days
its suppliers are paid after 0 days, this is quicker than average (47 days)
0 days - Just Lend Limited
47 days - Industry AVG
Stock Days
There is insufficient data available for this Key Performance Indicator!
- - Just Lend Limited
- - Industry AVG
Cash Balance
has cash to cover current liabilities
for 54 weeks, this is more cash available to meet short term requirements (31 weeks)
54 weeks - Just Lend Limited
31 weeks - Industry AVG
Debt Level
it has a ratio of liabilities to total assets of 76.2%, this is a higher level of debt than the average (69.1%)
76.2% - Just Lend Limited
69.1% - Industry AVG
JUST LEND LIMITED financials
EXPORT
Just Lend Limited's latest turnover from July 2023 is estimated at £477.1 thousand and the company has net assets of £28.4 thousand. According to their latest financial statements, Just Lend Limited has 3 employees and maintains cash reserves of £94.8 thousand as reported in the balance sheet.
Data source:Companies House, Pomanda Estimates
Jul 2023
Jul 2022
Jul 2021
Jul 2020
Jul 2019
Jul 2018
Turnover
477,135
667,891
149,976
152,787
156,229
1,618
Other Income Or Grants
Cost Of Sales
205,261
279,072
60,893
61,839
64,261
647
Gross Profit
271,874
388,818
89,083
90,947
91,968
971
Admin Expenses
415,923
511,258
127,514
113,272
124,257
3,058
Operating Profit
-144,049
-122,440
-38,431
-22,325
-32,289
-2,087
Interest Payable
Interest Receivable
5,386
1,084
71
76
234
Pre-Tax Profit
-138,663
-121,356
-38,360
-22,249
-32,055
-2,087
Tax
Profit After Tax
-138,663
-121,356
-38,360
-22,249
-32,055
-2,087
Dividends Paid
Retained Profit
-138,663
-121,356
-38,360
-22,249
-32,055
-2,087
Employee Costs
228,129
296,395
69,603
69,398
70,485
67,449
Number Of Employees
3
4
1
1
1
1
EBITDA*
-143,581
-121,000
-36,974
-21,839
-32,289
-2,087
* Earnings Before Interest, Tax, Depreciation and Amortisation
Jul 2023
Jul 2022
Jul 2021
Jul 2020
Jul 2019
Jul 2018
Tangible Assets
955
1,423
1
486
972
Intangible Assets
Investments & Other
Debtors (Due After 1 year)
Total Fixed Assets
955
1,423
1
486
972
Stock & work in progress
Trade Debtors
Group Debtors
Misc Debtors
23,803
26,281
6,314
7,579
5,952
Cash
94,825
120,622
52,895
89,323
62,436
50
misc current assets
total current assets
118,628
146,903
59,209
96,902
68,388
50
total assets
119,583
148,326
59,210
97,388
69,360
50
Bank overdraft
Bank loan
Trade Creditors
478
478
479
667
1,782
477
Group/Directors Accounts
other short term finances
hp & lease commitments
other current liabilities
90,698
213,773
3,300
2,930
1,538
1,478
total current liabilities
91,176
214,251
3,779
3,597
3,320
1,955
loans
hp & lease commitments
Accruals and Deferred Income
other liabilities
provisions
total long term liabilities
total liabilities
91,176
214,251
3,779
3,597
3,320
1,955
net assets
28,407
-65,925
55,431
93,791
66,040
-1,905
total shareholders funds
28,407
-65,925
55,431
93,791
66,040
-1,905
Jul 2023
Jul 2022
Jul 2021
Jul 2020
Jul 2019
Jul 2018
Operating Activities
Operating Profit
-144,049
-122,440
-38,431
-22,325
-32,289
-2,087
Depreciation
468
1,440
1,457
486
Amortisation
Tax
Stock
Debtors
-2,478
19,967
-1,265
1,627
5,952
Creditors
-1
-188
-1,115
1,305
477
Accruals and Deferred Income
-123,075
210,473
370
1,392
60
1,478
Deferred Taxes & Provisions
Cash flow from operations
-264,178
69,505
-35,527
-23,189
-36,876
-132
Investing Activities
capital expenditure
-2,862
-972
-972
Change in Investments
cash flow from investments
-2,862
-972
-972
Financing Activities
Bank loans
Group/Directors Accounts
Other Short Term Loans
Long term loans
Hire Purchase and Lease Commitments
other long term liabilities
share issue
232,995
50,000
100,000
182
interest
5,386
1,084
71
76
234
cash flow from financing
238,381
1,084
71
50,076
100,234
182
cash and cash equivalents
cash
-25,797
67,727
-36,428
26,887
62,386
50
overdraft
change in cash
-25,797
67,727
-36,428
26,887
62,386
50
just lend 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 just lend limited. Get real-time insights into just lend limited's credit score, group structure and payment trends.
Perform a competitor analysis for just lend limited by selecting its closest rivals, whether from the FINANCIAL AND INSURANCE ACTIVITIES sector, other micro companies, companies in SK3 area or any other competitors across 12 key performance metrics.
just lend limited Ownership
JUST LEND LIMITED group structure
Just Lend Limited has no subsidiary companies.
Ultimate parent company
JUST LEND LIMITED
10880150
JUST LEND LIMITED Shareholders
The largest shareholders in Just Lend Limited include Craig Smith and Dsg Financial Services Limited.
craig smith
43.39%
dsg financial services limited
12.91%
sefton monk
11.83%
ben keogh
9.86%
matthew thornhill
9.86%
michael burt
3.82%
andrew marsh
2.39%
matthew duhig
1.97%
tom smith
1.97%
alex white
1.2%
just lend limited directors
Just Lend Limited currently has 4 directors.
The longest serving directors include
Mr Craig Smith (Jul 2017) and
Mr Sefton Monk (Jun 2018).
64999 - Other financial service activities, except insurance and pension funding, (not including security dealing on own account and factoring) n.e.c.
incorporation date
July 2017
age
8
incorporated
UK
ultimate parent company
None
accounts
Total Exemption Full
last accounts submitted
July 2023
previous names
N/A
accountant
-
auditor
-
address
dsg group fao just lend ltd/impa, bird hall lane, stockport, SK3 0UX
Bank
-
Legal Advisor
-
just lend 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 just lend limited.
just lend 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.
Click to start generating capital raising & share issue transactions for JUST LEND LIMITED. This can take several minutes, an email will notify you when this has completed.
just lend limitedCompanies House Filings - See Documents
