bcrs cief limited
bcrs cief limited Company Information
Company Number
11600189
Next Accounts
Dec 2025
Shareholders
bcrs business loans limited
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
technology centre, wolverhampton science park, wolverhampton, WV10 9RU
Website
bcrs.org.ukbcrs cief limited Estimated Valuation
Pomanda estimates the enterprise value of BCRS CIEF LIMITED at £1.5m based on a Turnover of £908k and 1.67x industry multiple (adjusted for size and gross margin).
bcrs cief limited Estimated Valuation
Pomanda estimates the enterprise value of BCRS CIEF LIMITED at £3.3m based on an EBITDA of £540.3k and a 6.09x industry multiple (adjusted for size and gross margin).
bcrs cief limited Estimated Valuation
Pomanda estimates the enterprise value of BCRS CIEF LIMITED at £1.4m based on Net Assets of £765.8k and 1.89x industry multiple (adjusted for liquidity).
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Bcrs Cief Limited Overview
Bcrs Cief Limited is a live company located in wolverhampton, WV10 9RU with a Companies House number of 11600189. It operates in the other credit granting n.e.c. sector, SIC Code 64929. Founded in October 2018, it's largest shareholder is bcrs business loans limited with a 100% stake. Bcrs Cief Limited is a young, small sized company, Pomanda has estimated its turnover at £908k with declining growth in recent years.
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Bcrs Cief Limited Health Check
Pomanda's financial health check has awarded Bcrs Cief Limited a 4.5 rating. We use a traffic light system to show it exceeds the industry average on 4 measures and has 3 areas for improvement. Company Health Check FAQs
4 Strong
1 Regular
3 Weak
Size
annual sales of £908k, make it smaller than the average company (£4.9m)
£908k - Bcrs Cief Limited
£4.9m - Industry AVG
Growth
3 year (CAGR) sales growth of -6%, show it is growing at a slower rate (7.3%)
-6% - Bcrs Cief Limited
7.3% - Industry AVG
Production
with a gross margin of 100%, this company has a lower cost of product (59.1%)
100% - Bcrs Cief Limited
59.1% - Industry AVG
Profitability
an operating margin of 59.5% make it more profitable than the average company (17.5%)
59.5% - Bcrs Cief Limited
17.5% - Industry AVG
Employees
with 1 employees, this is below the industry average (5)
1 - Bcrs Cief Limited
5 - Industry AVG
Pay Structure
There is insufficient data available for this Key Performance Indicator!
- - Bcrs Cief Limited
- - Industry AVG
Efficiency
resulting in sales per employee of £908k, this is more efficient (£397.4k)
£908k - Bcrs Cief Limited
£397.4k - Industry AVG
Debtor Days
There is insufficient data available for this Key Performance Indicator!
- - Bcrs Cief Limited
- - Industry AVG
Creditor Days
There is insufficient data available for this Key Performance Indicator!
- - Bcrs Cief Limited
- - Industry AVG
Stock Days
There is insufficient data available for this Key Performance Indicator!
- - Bcrs Cief Limited
- - Industry AVG
Cash Balance
has cash to cover current liabilities for 15 weeks, this is more cash available to meet short term requirements (7 weeks)
15 weeks - Bcrs Cief Limited
7 weeks - 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 (88.8%)
88.8% - Bcrs Cief Limited
88.8% - Industry AVG
BCRS CIEF LIMITED financials
Bcrs Cief Limited's latest turnover from March 2024 is £908 thousand and the company has net assets of £765.8 thousand. According to their latest financial statements, Bcrs Cief Limited has 1 employee and maintains cash reserves of £329.5 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 | |
|---|---|---|---|---|---|---|
| Turnover | 908,048 | 1,220,389 | 1,382,820 | 1,090,109 | 482,950 | 35,175 |
| Other Income Or Grants | 13,109 | 7,399 | 2,246 | |||
| Cost Of Sales | ||||||
| Gross Profit | 908,048 | 1,220,389 | 1,395,929 | 1,097,508 | 485,196 | 35,175 |
| Admin Expenses | 367,788 | 631,506 | 620,000 | 393,301 | 424,639 | 114,507 |
| Operating Profit | 540,260 | 588,883 | 775,929 | 704,207 | 60,557 | -79,332 |
| Interest Payable | 448,188 | 405,571 | 431,928 | 352,351 | 157,594 | 11,945 |
| Interest Receivable | ||||||
| Pre-Tax Profit | 92,072 | 183,312 | 344,001 | 351,856 | -97,037 | -91,277 |
| Tax | -17,100 | |||||
| Profit After Tax | 74,972 | 183,312 | 344,001 | 351,856 | -97,037 | -91,277 |
| Dividends Paid | ||||||
| Retained Profit | 74,972 | 183,312 | 344,001 | 351,856 | -97,037 | -91,277 |
| Employee Costs | ||||||
| Number Of Employees | 1 | 1 | 2 | 2 | 2 | 3 |
| EBITDA* | 540,260 | 588,883 | 775,929 | 704,207 | 60,557 | -79,332 |
* Earnings Before Interest, Tax, Depreciation and Amortisation
| Mar 2024 | Mar 2023 | Mar 2022 | Mar 2021 | Mar 2020 | Mar 2019 | |
|---|---|---|---|---|---|---|
| Tangible Assets | ||||||
| Intangible Assets | ||||||
| Investments & Other | ||||||
| Debtors (Due After 1 year) | 4,725,839 | 7,562,148 | 7,918,664 | 6,782,397 | 3,481,539 | 522,319 |
| Total Fixed Assets | 4,725,839 | 7,562,148 | 7,918,664 | 6,782,397 | 3,481,539 | 522,319 |
| Stock & work in progress | ||||||
| Trade Debtors | ||||||
| Group Debtors | ||||||
| Misc Debtors | 1,784,714 | 1,659,165 | 2,092,553 | 1,381,817 | 638,418 | 61,533 |
| Cash | 329,460 | 549,706 | 2,176,550 | 3,113,129 | 1,343,884 | 558,685 |
| misc current assets | ||||||
| total current assets | 2,114,174 | 2,208,871 | 4,269,103 | 4,494,946 | 1,982,302 | 620,218 |
| total assets | 6,840,013 | 9,771,019 | 12,187,767 | 11,277,343 | 5,463,841 | 1,142,537 |
| Bank overdraft | ||||||
| Bank loan | 935,375 | 1,677,525 | 1,478,976 | 736,398 | ||
| Trade Creditors | 4,138 | 38,493 | 20,154 | 12,728 | ||
| Group/Directors Accounts | 147,691 | 36,071 | 161,163 | 65,449 | 231,442 | 47,663 |
| other short term finances | ||||||
| hp & lease commitments | ||||||
| other current liabilities | 28,994 | 14,112 | 10,048 | 15,923 | 6,329 | 6,150 |
| total current liabilities | 1,116,198 | 1,766,201 | 1,670,341 | 830,498 | 237,771 | 53,813 |
| loans | 4,957,989 | 7,313,964 | 10,009,883 | 10,283,303 | 5,414,383 | 1,180,000 |
| hp & lease commitments | ||||||
| Accruals and Deferred Income | ||||||
| other liabilities | ||||||
| provisions | ||||||
| total long term liabilities | 4,957,989 | 7,313,964 | 10,009,883 | 10,283,303 | 5,414,383 | 1,180,000 |
| total liabilities | 6,074,187 | 9,080,165 | 11,680,224 | 11,113,801 | 5,652,154 | 1,233,813 |
| net assets | 765,826 | 690,854 | 507,543 | 163,542 | -188,313 | -91,276 |
| total shareholders funds | 765,826 | 690,854 | 507,543 | 163,542 | -188,313 | -91,276 |
| Mar 2024 | Mar 2023 | Mar 2022 | Mar 2021 | Mar 2020 | Mar 2019 | |
|---|---|---|---|---|---|---|
| Operating Activities | ||||||
| Operating Profit | 540,260 | 588,883 | 775,929 | 704,207 | 60,557 | -79,332 |
| Depreciation | ||||||
| Amortisation | ||||||
| Tax | -17,100 | |||||
| Stock | ||||||
| Debtors | -2,710,760 | -789,904 | 1,847,003 | 4,044,257 | 3,536,105 | 583,852 |
| Creditors | -34,355 | 18,339 | 7,426 | 12,728 | ||
| Accruals and Deferred Income | 14,882 | 4,064 | -5,875 | 9,594 | 179 | 6,150 |
| Deferred Taxes & Provisions | ||||||
| Cash flow from operations | 3,214,447 | 1,401,190 | -1,069,523 | -3,317,728 | -3,475,369 | -657,034 |
| Investing Activities | ||||||
| capital expenditure | ||||||
| Change in Investments | ||||||
| cash flow from investments | ||||||
| Financing Activities | ||||||
| Bank loans | -742,150 | 198,549 | 742,578 | 736,398 | ||
| Group/Directors Accounts | 111,620 | -125,092 | 95,714 | -165,993 | 183,779 | 47,663 |
| Other Short Term Loans | ||||||
| Long term loans | -2,355,975 | -2,695,919 | -273,420 | 4,868,920 | 4,234,383 | 1,180,000 |
| Hire Purchase and Lease Commitments | ||||||
| other long term liabilities | ||||||
| share issue | ||||||
| interest | -448,188 | -405,571 | -431,928 | -352,351 | -157,594 | -11,945 |
| cash flow from financing | -3,434,693 | -3,028,034 | 132,944 | 5,086,973 | 4,260,568 | 1,215,719 |
| cash and cash equivalents | ||||||
| cash | -220,246 | -1,626,844 | -936,579 | 1,769,245 | 785,199 | 558,685 |
| overdraft | ||||||
| change in cash | -220,246 | -1,626,844 | -936,579 | 1,769,245 | 785,199 | 558,685 |
bcrs cief limited Credit Report and Business Information
Bcrs Cief Limited Competitor Analysis
Perform a competitor analysis for bcrs cief limited by selecting its closest rivals, whether from the FINANCIAL AND INSURANCE ACTIVITIES sector, other small companies, companies in WV10 area or any other competitors across 12 key performance metrics.
bcrs cief limited Ownership
BCRS CIEF LIMITED group structure
Bcrs Cief Limited has no subsidiary companies.
bcrs cief limited directors
Bcrs Cief Limited currently has 3 directors. The longest serving directors include Mr Stephen Deakin (Oct 2018) and Mr Paul Smee (Apr 2024).
| officer | country | age | start | end | role |
|---|---|---|---|---|---|
| Mr Stephen Deakin | England | 47 years | Oct 2018 | - | Director |
| Mr Paul Smee | 68 years | Apr 2024 | - | Director | |
| Ms Emma Leigh | England | 49 years | Sep 2024 | - | Director |
P&L
March 2024turnover
908k
-26%
operating profit
540.3k
-8%
gross margin
100%
0%
turnover
Turnover, or revenue, is the amount of sales generated by a company within the financial year.
Balance Sheet
March 2024net assets
765.8k
+0.11%
total assets
6.8m
-0.3%
cash
329.5k
-0.4%
net assets
Total assets minus all liabilities
bcrs cief limited company details
company number
11600189
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
October 2018
age
7
incorporated
UK
ultimate parent company
accounts
Small Company
last accounts submitted
March 2024
previous names
N/A
accountant
-
auditor
CROWE U.K. LLP
address
technology centre, wolverhampton science park, wolverhampton, WV10 9RU
Bank
-
Legal Advisor
-
bcrs cief 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 2 charges/mortgages relating to bcrs cief limited. Currently there are 2 open charges and 0 have been satisfied in the past.
bcrs cief 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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bcrs cief limited Companies House Filings - See Documents
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