propensio finance limited

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propensio finance limited Company Information

Share PROPENSIO FINANCE LIMITED

Company Number

10965808

Directors

David Hindle

Philip George

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Shareholders

quilam capital investments llp

david ian hindle

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Group Structure

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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

propensio finance limited Estimated Valuation

£1.2m

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

£4.4m

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

£0

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).

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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
Health Rating3out of 5
positive_score

1 Strong

positive_score

4 Regular

positive_score

6 Weak

size

Size

annual sales of £1.6m, make it smaller than the average company (£20.7m)

£1.6m - Propensio Finance Limited

£20.7m - Industry AVG

growth

Growth

3 year (CAGR) sales growth of -3%, show it is growing at a slower rate (22%)

-3% - Propensio Finance Limited

22% - Industry AVG

production

Production

with a gross margin of 15.9%, this company has a comparable cost of product (15.9%)

15.9% - Propensio Finance Limited

15.9% - Industry AVG

profitability

Profitability

an operating margin of 94.4% make it more profitable than the average company (6.9%)

94.4% - Propensio Finance Limited

6.9% - Industry AVG

employees

Employees

with 4 employees, this is below the industry average (13)

4 - Propensio Finance Limited

13 - Industry AVG

paystructure

Pay Structure

on an average salary of £66.9k, the company has an equivalent pay structure (£66.9k)

£66.9k - Propensio Finance Limited

£66.9k - Industry AVG

efficiency

Efficiency

resulting in sales per employee of £403.3k, this is equally as efficient (£456.7k)

£403.3k - Propensio Finance Limited

£456.7k - Industry AVG

debtordays

Debtor Days

it gets paid by customers after 71 days, this is later than average (51 days)

71 days - Propensio Finance Limited

51 days - Industry AVG

creditordays

Creditor Days

its suppliers are paid after 20 days, this is quicker than average (132 days)

20 days - Propensio Finance Limited

132 days - Industry AVG

stockdays

Stock Days

There is insufficient data available for this Key Performance Indicator!

- - Propensio Finance Limited

- - Industry AVG

cashbalance

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

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

EXPORTms excel logo

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 HousePomanda Estimates

Sep 2024Sep 2023Sep 2022Sep 2021Sep 2020Sep 2019Sep 2018
Turnover1,613,2671,069,3323,315,7511,751,8631,511,247761,090250,102
Other Income Or Grants0000000
Cost Of Sales1,357,591872,5332,654,1741,335,2871,091,544554,859143,171
Gross Profit255,676196,798661,577416,576419,703206,231106,931
Admin Expenses-1,267,552-1,192,202151,472541,965544,241492,206153,966
Operating Profit1,523,2281,389,000510,105-125,389-124,538-285,975-47,035
Interest Payable1,709,6261,306,228788,968396,055185,56483,3275,372
Interest Receivable24,17135,7307,923179131704130
Pre-Tax Profit-162,227118,503-270,940-521,265-309,971-368,598-52,277
Tax0-29,62600000
Profit After Tax-162,22788,877-270,940-521,265-309,971-368,598-52,277
Dividends Paid0000000
Retained Profit-162,22788,877-270,940-521,265-309,971-368,598-52,277
Employee Costs267,552190,602841,670486,375441,094260,98692,339
Number Of Employees43138852
EBITDA*1,542,1411,403,961515,751-121,900-114,438-276,407-44,635

* Earnings Before Interest, Tax, Depreciation and Amortisation

Sep 2024Sep 2023Sep 2022Sep 2021Sep 2020Sep 2019Sep 2018
Tangible Assets104,33780,74619,6648,22511,46418,70628,274
Intangible Assets0000000
Investments & Other1001001000000
Debtors (Due After 1 year)1,048,7921,165,5221,446,2106,910,2022,809,0361,634,5740
Total Fixed Assets1,153,2291,246,3681,465,9746,918,4272,820,5001,653,28028,274
Stock & work in progress0000000
Trade Debtors315,322268,445000061,937
Group Debtors15,398,84310,211,4006,890,5550000
Misc Debtors257,044139,847548,5771,175,495330,319169,9224,702
Cash59,740907,099454,055250,191108,199152,88634,716
misc current assets0000000
total current assets16,030,94911,526,7917,893,1871,425,686438,518322,808101,355
total assets17,184,17812,773,1599,359,1618,344,1133,259,0181,976,088129,629
Bank overdraft0000000
Bank loan297,764278,755258,965236,936000
Trade Creditors 74,61155,11147,97111,84924,294019,702
Group/Directors Accounts0000000
other short term finances0000000
hp & lease commitments0000000
other current liabilities366,841283,951354,284151,36294,74487,1012,929
total current liabilities739,216617,817661,220400,147119,03887,10122,631
loans17,479,91513,027,6799,656,4348,974,1673,774,2972,309,762159,175
hp & lease commitments0000000
Accruals and Deferred Income0000000
other liabilities531,348531,737564,458221,81096,42900
provisions30,00030,00000000
total long term liabilities18,041,26313,589,41610,220,8929,195,9773,870,7262,309,762159,175
total liabilities18,780,47914,207,23310,882,1129,596,1243,989,7642,396,863181,806
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 2024Sep 2023Sep 2022Sep 2021Sep 2020Sep 2019Sep 2018
Operating Activities
Operating Profit1,523,2281,389,000510,105-125,389-124,538-285,975-47,035
Depreciation18,91314,9615,6463,48910,1009,5682,400
Amortisation0000000
Tax0-29,62600000
Stock0000000
Debtors5,234,7872,899,872799,6454,946,3421,334,8591,737,85766,639
Creditors19,5007,14036,122-12,44524,294-19,70219,702
Accruals and Deferred Income82,890-70,333202,92256,6187,64384,1722,929
Deferred Taxes & Provisions030,00000000
Cash flow from operations-3,590,256-1,558,730-44,850-5,024,069-1,417,360-1,949,794-88,643
Investing Activities
capital expenditure-42,504-76,043-17,085-250-2,8580-30,674
Change in Investments001000000
cash flow from investments-42,504-76,043-17,185-250-2,8580-30,674
Financing Activities
Bank loans19,00919,79022,029236,936000
Group/Directors Accounts0000000
Other Short Term Loans 0000000
Long term loans4,452,2363,371,245682,2675,199,8701,464,5352,150,587159,175
Hire Purchase and Lease Commitments0000000
other long term liabilities-389-32,721342,648125,38196,42900
share issue000000100
interest-1,685,455-1,270,498-781,045-395,876-185,433-82,623-5,242
cash flow from financing2,785,4012,087,816265,8995,166,3111,375,5312,067,964154,033
cash and cash equivalents
cash-847,359453,044203,864141,992-44,687118,17034,716
overdraft0000000
change in cash-847,359453,044203,864141,992-44,687118,17034,716

propensio finance limited Credit Report and Business Information

Very Low Risk70 - 100
Low Risk50 - 70
Moderate Risk30 - 50
High Risk20 - 30
Very High Risk0 - 20
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Propensio Finance Limited Competitor Analysis

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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 Shareholders

quilam capital investments llp 75%
david ian hindle 19%
amanda jayne glossop 2%
russell timothy cogger 2%
alan gregory lunt 2%

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).

officercountryagestartendrole
Mr David HindleEngland57 years Apr 2018- Director
Mr Philip GeorgeEngland74 years May 2024- Director
Mr Alan LuntEngland61 years May 2024- Director
Mr Matthew WoodEngland48 years Nov 2024- Director

P&L

September 2024

turnover

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 2024

net 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.

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propensio finance limited Companies House Filings - See Documents

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