albion business credit limited
albion business credit limited Company Information
Company Number
11341631
Next Accounts
Feb 2026
Shareholders
peter john mcdonald
timothy john rogers
Group Structure
View All
Industry
Other credit granting (not including credit granting by non-deposit taking finance houses and other specialist consumer credit grantors and activities of mortgage finance companies) n.e.c.
Registered Address
ashford commercial quarter, 1 dover place, ashford, kent, TN23 1FB
Website
albionbusinesscredit.comalbion business credit limited Estimated Valuation
Pomanda estimates the enterprise value of ALBION BUSINESS CREDIT LIMITED at £207.8k based on a Turnover of £210.7k and 0.99x industry multiple (adjusted for size and gross margin).
albion business credit limited Estimated Valuation
Pomanda estimates the enterprise value of ALBION BUSINESS CREDIT LIMITED at £0 based on an EBITDA of £-870 and a 3.34x industry multiple (adjusted for size and gross margin).
albion business credit limited Estimated Valuation
Pomanda estimates the enterprise value of ALBION BUSINESS CREDIT LIMITED at £16k based on Net Assets of £8.8k and 1.83x industry multiple (adjusted for liquidity).
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Albion Business Credit Limited Overview
Albion Business Credit Limited is a live company located in ashford, TN23 1FB with a Companies House number of 11341631. It operates in the other credit granting n.e.c. sector, SIC Code 64929. Founded in May 2018, it's largest shareholder is peter john mcdonald with a 50% stake. Albion Business Credit Limited is a young, micro sized company, Pomanda has estimated its turnover at £210.7k with healthy growth in recent years.
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Albion Business Credit Limited Health Check
Pomanda's financial health check has awarded Albion Business Credit 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
2 Strong
2 Regular
6 Weak
Size
annual sales of £210.7k, make it smaller than the average company (£5.7m)
- Albion Business Credit Limited
£5.7m - Industry AVG
Growth
3 year (CAGR) sales growth of 6%, show it is growing at a slower rate (11.4%)
- Albion Business Credit Limited
11.4% - Industry AVG
Production
with a gross margin of 31.4%, this company has a higher cost of product (58.5%)
- Albion Business Credit Limited
58.5% - Industry AVG
Profitability
an operating margin of -0.4% make it less profitable than the average company (18%)
- Albion Business Credit Limited
18% - Industry AVG
Employees
with 2 employees, this is below the industry average (5)
2 - Albion Business Credit Limited
5 - Industry AVG
Pay Structure
on an average salary of £65.8k, the company has an equivalent pay structure (£65.8k)
- Albion Business Credit Limited
£65.8k - Industry AVG
Efficiency
resulting in sales per employee of £105.4k, this is less efficient (£397.4k)
- Albion Business Credit Limited
£397.4k - Industry AVG
Debtor Days
it gets paid by customers after 135 days, this is earlier than average (240 days)
- Albion Business Credit Limited
240 days - Industry AVG
Creditor Days
its suppliers are paid after 175 days, this is slower than average (20 days)
- Albion Business Credit Limited
20 days - Industry AVG
Stock Days
There is insufficient data available for this Key Performance Indicator!
- Albion Business Credit Limited
- - Industry AVG
Cash Balance
There is insufficient data available for this Key Performance Indicator!
- - Albion Business Credit Limited
- - Industry AVG
Debt Level
it has a ratio of liabilities to total assets of 88.8%, this is a similar level of debt than the average (88.4%)
88.8% - Albion Business Credit Limited
88.4% - Industry AVG
ALBION BUSINESS CREDIT LIMITED financials
Albion Business Credit Limited's latest turnover from May 2024 is estimated at £210.7 thousand and the company has net assets of £8.8 thousand. According to their latest financial statements, Albion Business Credit Limited has 2 employees and maintains cash reserves of 0 as reported in the balance sheet.
Data source: Companies House, Pomanda Estimates
| May 2024 | May 2023 | May 2022 | May 2021 | May 2020 | May 2019 | |
|---|---|---|---|---|---|---|
| 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 | 2 | 2 | 2 | 2 | 2 | 2 |
| EBITDA* |
* Earnings Before Interest, Tax, Depreciation and Amortisation
| May 2024 | May 2023 | May 2022 | May 2021 | May 2020 | May 2019 | |
|---|---|---|---|---|---|---|
| Tangible Assets | 0 | 0 | 0 | 0 | 0 | 0 |
| Intangible Assets | 0 | 0 | 0 | 0 | 0 | 0 |
| Investments & Other | 0 | 0 | 0 | 0 | 0 | 0 |
| Debtors (Due After 1 year) | 0 | 0 | 66,314 | 0 | 0 | 0 |
| Total Fixed Assets | 0 | 0 | 66,314 | 0 | 0 | 0 |
| Stock & work in progress | 0 | 0 | 0 | 0 | 0 | 0 |
| Trade Debtors | 78,378 | 78,175 | 25,148 | 191,674 | 133,321 | 143,116 |
| Group Debtors | 0 | 0 | 0 | 0 | 0 | 0 |
| Misc Debtors | 0 | 0 | 3,767 | 18,428 | 2,070 | 2,070 |
| Cash | 0 | 0 | 0 | 0 | 10,705 | 2,676 |
| misc current assets | 0 | 0 | 0 | 0 | 0 | 0 |
| total current assets | 78,378 | 78,175 | 28,915 | 210,102 | 146,096 | 147,862 |
| total assets | 78,378 | 78,175 | 95,229 | 210,102 | 146,096 | 147,862 |
| Bank overdraft | 0 | 0 | 0 | 0 | 0 | 0 |
| Bank loan | 0 | 0 | 0 | 0 | 0 | 0 |
| Trade Creditors | 69,601 | 68,528 | 0 | 1,800 | 2,520 | 0 |
| Group/Directors Accounts | 0 | 0 | 0 | 0 | 136,629 | 0 |
| other short term finances | 0 | 0 | 0 | 0 | 0 | 0 |
| hp & lease commitments | 0 | 0 | 0 | 0 | 0 | 0 |
| other current liabilities | 0 | 0 | 86,596 | 201,886 | 2,767 | 143,898 |
| total current liabilities | 69,601 | 68,528 | 86,596 | 203,686 | 141,916 | 143,898 |
| loans | 0 | 0 | 0 | 0 | 0 | 0 |
| hp & lease commitments | 0 | 0 | 0 | 0 | 0 | 0 |
| Accruals and Deferred Income | 0 | 0 | 0 | 0 | 0 | 0 |
| other liabilities | 0 | 0 | 0 | 0 | 0 | 0 |
| provisions | 0 | 0 | 0 | 0 | 0 | 0 |
| total long term liabilities | 0 | 0 | 0 | 0 | 0 | 0 |
| total liabilities | 69,601 | 68,528 | 86,596 | 203,686 | 141,916 | 143,898 |
| net assets | 8,777 | 9,647 | 8,633 | 6,416 | 4,180 | 3,964 |
| total shareholders funds | 8,777 | 9,647 | 8,633 | 6,416 | 4,180 | 3,964 |
| May 2024 | May 2023 | May 2022 | May 2021 | May 2020 | May 2019 | |
|---|---|---|---|---|---|---|
| Operating Activities | ||||||
| Operating Profit | ||||||
| Depreciation | 0 | 0 | 0 | 0 | 0 | 0 |
| Amortisation | 0 | 0 | 0 | 0 | 0 | 0 |
| Tax | ||||||
| Stock | 0 | 0 | 0 | 0 | 0 | 0 |
| Debtors | 203 | -17,054 | -114,873 | 74,711 | -9,795 | 145,186 |
| Creditors | 1,073 | 68,528 | -1,800 | -720 | 2,520 | 0 |
| Accruals and Deferred Income | 0 | -86,596 | -115,290 | 199,119 | -141,131 | 143,898 |
| Deferred Taxes & Provisions | 0 | 0 | 0 | 0 | 0 | 0 |
| Cash flow from operations | ||||||
| Investing Activities | ||||||
| capital expenditure | ||||||
| Change in Investments | 0 | 0 | 0 | 0 | 0 | 0 |
| cash flow from investments | ||||||
| Financing Activities | ||||||
| Bank loans | 0 | 0 | 0 | 0 | 0 | 0 |
| Group/Directors Accounts | 0 | 0 | 0 | -136,629 | 136,629 | 0 |
| Other Short Term Loans | 0 | 0 | 0 | 0 | 0 | 0 |
| Long term loans | 0 | 0 | 0 | 0 | 0 | 0 |
| Hire Purchase and Lease Commitments | 0 | 0 | 0 | 0 | 0 | 0 |
| other long term liabilities | 0 | 0 | 0 | 0 | 0 | 0 |
| share issue | ||||||
| interest | ||||||
| cash flow from financing | ||||||
| cash and cash equivalents | ||||||
| cash | 0 | 0 | 0 | -10,705 | 8,029 | 2,676 |
| overdraft | 0 | 0 | 0 | 0 | 0 | 0 |
| change in cash | 0 | 0 | 0 | -10,705 | 8,029 | 2,676 |
albion business credit limited Credit Report and Business Information
Albion Business Credit Limited Competitor Analysis
Perform a competitor analysis for albion business credit limited by selecting its closest rivals, whether from the FINANCIAL AND INSURANCE ACTIVITIES sector, other micro companies, companies in TN23 area or any other competitors across 12 key performance metrics.
albion business credit limited Ownership
ALBION BUSINESS CREDIT LIMITED group structure
Albion Business Credit Limited has no subsidiary companies.
Ultimate parent company
ALBION BUSINESS CREDIT LIMITED
11341631
albion business credit limited directors
Albion Business Credit Limited currently has 2 directors. The longest serving directors include Mr Peter McDonald (May 2018) and Mr Timothy Rogers (May 2018).
| officer | country | age | start | end | role |
|---|---|---|---|---|---|
| Mr Peter McDonald | United Kingdom | 66 years | May 2018 | - | Director |
| Mr Timothy Rogers | United Kingdom | 62 years | May 2018 | - | Director |
P&L
May 2024turnover
210.7k
+34%
operating profit
-870
0%
gross margin
31.5%
-13.86%
turnover
Turnover, or revenue, is the amount of sales generated by a company within the financial year.
Balance Sheet
May 2024net assets
8.8k
-0.09%
total assets
78.4k
0%
cash
0
0%
net assets
Total assets minus all liabilities
albion business credit limited company details
company number
11341631
Type
Private limited with Share Capital
industry
64929 - Other credit granting (not including credit granting by non-deposit taking finance houses and other specialist consumer credit grantors and activities of mortgage finance companies) n.e.c.
incorporation date
May 2018
age
7
incorporated
UK
ultimate parent company
accounts
Micro-Entity Accounts
last accounts submitted
May 2024
previous names
N/A
accountant
-
auditor
-
address
ashford commercial quarter, 1 dover place, ashford, kent, TN23 1FB
Bank
-
Legal Advisor
-
albion business credit 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 albion business credit limited.
albion business credit 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 ALBION BUSINESS CREDIT LIMITED. This can take several minutes, an email will notify you when this has completed.
albion business credit limited Companies House Filings - See Documents
| date | description | view/download |
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