propensio finance limited Company Information
Company Number
10965808
Next Accounts
Jun 2026
Shareholders
quilam capital investments llp
david ian hindle
View AllGroup Structure
View All
Industry
Credit granting by non-deposit taking finance houses and other specialist consumer credit grantors
Registered Address
building 3, callflex business pa, golden smithies lane, rotherham, south yorkshire, S63 7ER
Website
www.propensio.co.ukpropensio finance limited Estimated Valuation
Pomanda estimates the enterprise value of PROPENSIO FINANCE LIMITED at £1.2m based on a Turnover of £1.6m and 0.77x industry multiple (adjusted for size and gross margin).
propensio finance limited Estimated Valuation
Pomanda estimates the enterprise value of PROPENSIO FINANCE LIMITED at £4.4m based on an EBITDA of £1.5m and a 2.87x industry multiple (adjusted for size and gross margin).
propensio finance limited Estimated Valuation
Pomanda estimates the enterprise value of PROPENSIO FINANCE LIMITED at £0 based on Net Assets of £-1.6m and 2.33x industry multiple (adjusted for liquidity).
Edit your figures and get a professional valuation report.
Propensio Finance Limited Overview
Propensio Finance Limited is a live company located in rotherham, S63 7ER with a Companies House number of 10965808. It operates in the credit granting by non-deposit taking finance houses and other specialist consumer credit grantors sector, SIC Code 64921. Founded in September 2017, it's largest shareholder is quilam capital investments llp with a 75% stake. Propensio Finance Limited is a young, small sized company, Pomanda has estimated its turnover at £1.6m with declining growth in recent years.
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Propensio Finance Limited Health Check
Pomanda's financial health check has awarded Propensio Finance Limited a 3 rating. We use a traffic light system to show it exceeds the industry average on 1 measures and has 6 areas for improvement. Company Health Check FAQs
![Health Check Image](/assets/images/big_heart.png)
![positive_score](/assets/images/scoreRate2.png)
1 Strong
![positive_score](/assets/images/scoreRate1.png)
4 Regular
![positive_score](/assets/images/scoreRate0.png)
6 Weak
![size](/assets/images/scoreRate0.png)
Size
annual sales of £1.6m, make it smaller than the average company (£20.7m)
- Propensio Finance Limited
£20.7m - Industry AVG
![growth](/assets/images/scoreRate0.png)
Growth
3 year (CAGR) sales growth of -3%, show it is growing at a slower rate (22%)
- Propensio Finance Limited
22% - Industry AVG
![production](/assets/images/scoreRate1.png)
Production
with a gross margin of 15.9%, this company has a comparable cost of product (15.9%)
- Propensio Finance Limited
15.9% - Industry AVG
![profitability](/assets/images/scoreRate2.png)
Profitability
an operating margin of 94.4% make it more profitable than the average company (6.9%)
- Propensio Finance Limited
6.9% - Industry AVG
![employees](/assets/images/scoreRate0.png)
Employees
with 4 employees, this is below the industry average (13)
- Propensio Finance Limited
13 - Industry AVG
![paystructure](/assets/images/scoreRate1.png)
Pay Structure
on an average salary of £66.9k, the company has an equivalent pay structure (£66.9k)
- Propensio Finance Limited
£66.9k - Industry AVG
![efficiency](/assets/images/scoreRate1.png)
Efficiency
resulting in sales per employee of £403.3k, this is equally as efficient (£456.7k)
- Propensio Finance Limited
£456.7k - Industry AVG
![debtordays](/assets/images/scoreRate0.png)
Debtor Days
it gets paid by customers after 71 days, this is later than average (51 days)
- Propensio Finance Limited
51 days - Industry AVG
![creditordays](/assets/images/scoreRate0.png)
Creditor Days
its suppliers are paid after 20 days, this is quicker than average (132 days)
- Propensio Finance Limited
132 days - Industry AVG
![stockdays](/assets/images/scoreRate-1.png)
Stock Days
There is insufficient data available for this Key Performance Indicator!
- Propensio Finance Limited
- - Industry AVG
![cashbalance](/assets/images/scoreRate0.png)
Cash Balance
has cash to cover current liabilities for 4 weeks, this is less cash available to meet short term requirements (5 weeks)
4 weeks - Propensio Finance Limited
5 weeks - Industry AVG
![debtlevel](/assets/images/scoreRate1.png)
Debt Level
it has a ratio of liabilities to total assets of 109.3%, this is a similar level of debt than the average (100%)
109.3% - Propensio Finance Limited
100% - Industry AVG
PROPENSIO FINANCE LIMITED financials
![ms excel logo](/assets/images/ms_excel_logo.png)
Propensio Finance Limited's latest turnover from September 2024 is estimated at £1.6 million and the company has net assets of -£1.6 million. According to their latest financial statements, we estimate that Propensio Finance Limited has 4 employees and maintains cash reserves of £59.7 thousand as reported in the balance sheet.
Data source: Companies House, Pomanda Estimates
Sep 2024 | Sep 2023 | Sep 2022 | Sep 2021 | Sep 2020 | Sep 2019 | Sep 2018 | |
---|---|---|---|---|---|---|---|
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 | 13 | 8 | 8 | 5 | 2 | ||
EBITDA* |
* Earnings Before Interest, Tax, Depreciation and Amortisation
Sep 2024 | Sep 2023 | Sep 2022 | Sep 2021 | Sep 2020 | Sep 2019 | Sep 2018 | |
---|---|---|---|---|---|---|---|
Tangible Assets | 104,337 | 80,746 | 19,664 | 8,225 | 11,464 | 18,706 | 28,274 |
Intangible Assets | 0 | 0 | 0 | 0 | 0 | 0 | 0 |
Investments & Other | 100 | 100 | 100 | 0 | 0 | 0 | 0 |
Debtors (Due After 1 year) | 1,048,792 | 1,165,522 | 1,446,210 | 6,910,202 | 2,809,036 | 1,634,574 | 0 |
Total Fixed Assets | 1,153,229 | 1,246,368 | 1,465,974 | 6,918,427 | 2,820,500 | 1,653,280 | 28,274 |
Stock & work in progress | 0 | 0 | 0 | 0 | 0 | 0 | 0 |
Trade Debtors | 315,322 | 268,445 | 0 | 0 | 0 | 0 | 61,937 |
Group Debtors | 15,398,843 | 10,211,400 | 6,890,555 | 0 | 0 | 0 | 0 |
Misc Debtors | 257,044 | 139,847 | 548,577 | 1,175,495 | 330,319 | 169,922 | 4,702 |
Cash | 59,740 | 907,099 | 454,055 | 250,191 | 108,199 | 152,886 | 34,716 |
misc current assets | 0 | 0 | 0 | 0 | 0 | 0 | 0 |
total current assets | 16,030,949 | 11,526,791 | 7,893,187 | 1,425,686 | 438,518 | 322,808 | 101,355 |
total assets | 17,184,178 | 12,773,159 | 9,359,161 | 8,344,113 | 3,259,018 | 1,976,088 | 129,629 |
Bank overdraft | 0 | 0 | 0 | 0 | 0 | 0 | 0 |
Bank loan | 297,764 | 278,755 | 258,965 | 236,936 | 0 | 0 | 0 |
Trade Creditors | 74,611 | 55,111 | 47,971 | 11,849 | 24,294 | 0 | 19,702 |
Group/Directors Accounts | 0 | 0 | 0 | 0 | 0 | 0 | 0 |
other short term finances | 0 | 0 | 0 | 0 | 0 | 0 | 0 |
hp & lease commitments | 0 | 0 | 0 | 0 | 0 | 0 | 0 |
other current liabilities | 366,841 | 283,951 | 354,284 | 151,362 | 94,744 | 87,101 | 2,929 |
total current liabilities | 739,216 | 617,817 | 661,220 | 400,147 | 119,038 | 87,101 | 22,631 |
loans | 17,479,915 | 13,027,679 | 9,656,434 | 8,974,167 | 3,774,297 | 2,309,762 | 159,175 |
hp & lease commitments | 0 | 0 | 0 | 0 | 0 | 0 | 0 |
Accruals and Deferred Income | 0 | 0 | 0 | 0 | 0 | 0 | 0 |
other liabilities | 531,348 | 531,737 | 564,458 | 221,810 | 96,429 | 0 | 0 |
provisions | 30,000 | 30,000 | 0 | 0 | 0 | 0 | 0 |
total long term liabilities | 18,041,263 | 13,589,416 | 10,220,892 | 9,195,977 | 3,870,726 | 2,309,762 | 159,175 |
total liabilities | 18,780,479 | 14,207,233 | 10,882,112 | 9,596,124 | 3,989,764 | 2,396,863 | 181,806 |
net assets | -1,596,301 | -1,434,074 | -1,522,951 | -1,252,011 | -730,746 | -420,775 | -52,177 |
total shareholders funds | -1,596,301 | -1,434,074 | -1,522,951 | -1,252,011 | -730,746 | -420,775 | -52,177 |
Sep 2024 | Sep 2023 | Sep 2022 | Sep 2021 | Sep 2020 | Sep 2019 | Sep 2018 | |
---|---|---|---|---|---|---|---|
Operating Activities | |||||||
Operating Profit | |||||||
Depreciation | 18,913 | 14,961 | 5,646 | 3,489 | 10,100 | 9,568 | 2,400 |
Amortisation | 0 | 0 | 0 | 0 | 0 | 0 | 0 |
Tax | |||||||
Stock | 0 | 0 | 0 | 0 | 0 | 0 | 0 |
Debtors | 5,234,787 | 2,899,872 | 799,645 | 4,946,342 | 1,334,859 | 1,737,857 | 66,639 |
Creditors | 19,500 | 7,140 | 36,122 | -12,445 | 24,294 | -19,702 | 19,702 |
Accruals and Deferred Income | 82,890 | -70,333 | 202,922 | 56,618 | 7,643 | 84,172 | 2,929 |
Deferred Taxes & Provisions | 0 | 30,000 | 0 | 0 | 0 | 0 | 0 |
Cash flow from operations | |||||||
Investing Activities | |||||||
capital expenditure | |||||||
Change in Investments | 0 | 0 | 100 | 0 | 0 | 0 | 0 |
cash flow from investments | |||||||
Financing Activities | |||||||
Bank loans | 19,009 | 19,790 | 22,029 | 236,936 | 0 | 0 | 0 |
Group/Directors Accounts | 0 | 0 | 0 | 0 | 0 | 0 | 0 |
Other Short Term Loans | 0 | 0 | 0 | 0 | 0 | 0 | 0 |
Long term loans | 4,452,236 | 3,371,245 | 682,267 | 5,199,870 | 1,464,535 | 2,150,587 | 159,175 |
Hire Purchase and Lease Commitments | 0 | 0 | 0 | 0 | 0 | 0 | 0 |
other long term liabilities | -389 | -32,721 | 342,648 | 125,381 | 96,429 | 0 | 0 |
share issue | |||||||
interest | |||||||
cash flow from financing | |||||||
cash and cash equivalents | |||||||
cash | -847,359 | 453,044 | 203,864 | 141,992 | -44,687 | 118,170 | 34,716 |
overdraft | 0 | 0 | 0 | 0 | 0 | 0 | 0 |
change in cash | -847,359 | 453,044 | 203,864 | 141,992 | -44,687 | 118,170 | 34,716 |
propensio finance limited Credit Report and Business Information
Propensio Finance Limited Competitor Analysis
![competitor_analysis_table_img](/assets/images/competitor_analysis_table.png)
Perform a competitor analysis for propensio finance limited by selecting its closest rivals, whether from the FINANCIAL AND INSURANCE ACTIVITIES sector, other small companies, companies in S63 area or any other competitors across 12 key performance metrics.
propensio finance limited Ownership
PROPENSIO FINANCE LIMITED group structure
Propensio Finance Limited has 1 subsidiary company.
Ultimate parent company
1 parent
PROPENSIO FINANCE LIMITED
10965808
1 subsidiary
propensio finance limited directors
Propensio Finance Limited currently has 4 directors. The longest serving directors include Mr David Hindle (Apr 2018) and Mr Philip George (May 2024).
officer | country | age | start | end | role |
---|---|---|---|---|---|
Mr David Hindle | England | 57 years | Apr 2018 | - | Director |
Mr Philip George | England | 74 years | May 2024 | - | Director |
Mr Alan Lunt | England | 61 years | May 2024 | - | Director |
Mr Matthew Wood | England | 48 years | Nov 2024 | - | Director |
P&L
September 2024turnover
1.6m
+51%
operating profit
1.5m
0%
gross margin
15.9%
-13.89%
turnover
Turnover, or revenue, is the amount of sales generated by a company within the financial year.
Balance Sheet
September 2024net assets
-1.6m
+0.11%
total assets
17.2m
+0.35%
cash
59.7k
-0.93%
net assets
Total assets minus all liabilities
propensio finance limited company details
company number
10965808
Type
Private limited with Share Capital
industry
64921 - Credit granting by non-deposit taking finance houses and other specialist consumer credit grantors
incorporation date
September 2017
age
8
incorporated
UK
ultimate parent company
accounts
Small Company
last accounts submitted
September 2024
previous names
credit4 home improvements limited (February 2019)
credit4 tp limited (April 2018)
accountant
-
auditor
BKL AUDIT LLP
address
building 3, callflex business pa, golden smithies lane, rotherham, south yorkshire, S63 7ER
Bank
-
Legal Advisor
-
propensio 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 13 charges/mortgages relating to propensio finance limited. Currently there are 10 open charges and 3 have been satisfied in the past.
propensio 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.
Click to start generating capital raising & share issue transactions for PROPENSIO FINANCE LIMITED. This can take several minutes, an email will notify you when this has completed.
propensio finance limited Companies House Filings - See Documents
date | description | view/download |
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