impact lending limited
impact lending limited Company Information
Company Number
11762048
Next Accounts
Dec 2025
Shareholders
robert whitton
mpb finance 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
19th floor 1 westfield avenue, london, E20 1HZ
Website
hambros.co.ukimpact lending limited Estimated Valuation
Pomanda estimates the enterprise value of IMPACT LENDING LIMITED at £7.7m based on a Turnover of £5.6m and 1.38x industry multiple (adjusted for size and gross margin).
impact lending limited Estimated Valuation
Pomanda estimates the enterprise value of IMPACT LENDING LIMITED at £0 based on an EBITDA of £-3.6m and a 5.02x industry multiple (adjusted for size and gross margin).
impact lending limited Estimated Valuation
Pomanda estimates the enterprise value of IMPACT LENDING LIMITED at £36.6m based on Net Assets of £19.3m and 1.89x industry multiple (adjusted for liquidity).
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Impact Lending Limited Overview
Impact Lending Limited is a live company located in london, E20 1HZ with a Companies House number of 11762048. It operates in the other credit granting n.e.c. sector, SIC Code 64929. Founded in January 2019, it's largest shareholder is robert whitton with a 50% stake. Impact Lending Limited is a young, mid sized company, Pomanda has estimated its turnover at £5.6m with high growth in recent years.
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Impact Lending Limited Health Check
Pomanda's financial health check has awarded Impact Lending Limited a 5 rating. We use a traffic light system to show it exceeds the industry average on 5 measures and has 2 areas for improvement. Company Health Check FAQs
5 Strong
4 Regular
2 Weak
Size
annual sales of £5.6m, make it in line with the average company (£4.9m)
- Impact Lending Limited
£4.9m - Industry AVG
Growth
3 year (CAGR) sales growth of 19%, show it is growing at a faster rate (7.3%)
- Impact Lending Limited
7.3% - Industry AVG
Production
with a gross margin of 59.1%, this company has a comparable cost of product (59.1%)
- Impact Lending Limited
59.1% - Industry AVG
Profitability
an operating margin of -63.9% make it less profitable than the average company (17.5%)
- Impact Lending Limited
17.5% - Industry AVG
Employees
with 7 employees, this is above the industry average (5)
7 - Impact Lending Limited
5 - Industry AVG
Pay Structure
on an average salary of £65.2k, the company has an equivalent pay structure (£65.2k)
- Impact Lending Limited
£65.2k - Industry AVG
Efficiency
resulting in sales per employee of £798.4k, this is more efficient (£397.4k)
- Impact Lending Limited
£397.4k - Industry AVG
Debtor Days
it gets paid by customers after 551 days, this is later than average (246 days)
- Impact Lending Limited
246 days - Industry AVG
Creditor Days
its suppliers are paid after 21 days, this is close to average (20 days)
- Impact Lending Limited
20 days - Industry AVG
Stock Days
There is insufficient data available for this Key Performance Indicator!
- Impact Lending Limited
- - Industry AVG
Cash Balance
has cash to cover current liabilities for 54 weeks, this is more cash available to meet short term requirements (7 weeks)
54 weeks - Impact Lending Limited
7 weeks - Industry AVG
Debt Level
it has a ratio of liabilities to total assets of 2%, this is a lower level of debt than the average (88.8%)
2% - Impact Lending Limited
88.8% - Industry AVG
IMPACT LENDING LIMITED financials
Impact Lending Limited's latest turnover from March 2024 is estimated at £5.6 million and the company has net assets of £19.3 million. According to their latest financial statements, Impact Lending Limited has 7 employees and maintains cash reserves of £412.9 thousand as reported in the balance sheet.
Data source: Companies House, Pomanda Estimates
| Mar 2024 | Mar 2023 | Mar 2022 | Mar 2021 | Mar 2020 | |
|---|---|---|---|---|---|
| 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 | 7 | 7 | 7 | 9 | 2 |
| EBITDA* |
* Earnings Before Interest, Tax, Depreciation and Amortisation
| Mar 2024 | Mar 2023 | Mar 2022 | Mar 2021 | Mar 2020 | |
|---|---|---|---|---|---|
| Tangible Assets | 3,650 | 4,788 | |||
| Intangible Assets | |||||
| Investments & Other | 10,000,000 | 10,000,000 | |||
| Debtors (Due After 1 year) | |||||
| Total Fixed Assets | 10,003,650 | 10,004,788 | |||
| Stock & work in progress | |||||
| Trade Debtors | 8,444,271 | 9,398,203 | 14,204,922 | 13,456,932 | 9,651,854 |
| Group Debtors | 12,000 | ||||
| Misc Debtors | 875,269 | 2,018,844 | 5,113,074 | 1,875,000 | 5,000,100 |
| Cash | 412,896 | 2,081,645 | 7,252,660 | 12,094,681 | 6,633,555 |
| misc current assets | |||||
| total current assets | 9,732,436 | 13,510,692 | 26,570,656 | 27,426,613 | 21,285,509 |
| total assets | 19,736,086 | 23,515,480 | 26,570,656 | 27,426,613 | 21,285,509 |
| Bank overdraft | |||||
| Bank loan | |||||
| Trade Creditors | 134,977 | 35,600 | 27,277 | 25,821 | 2,694 |
| Group/Directors Accounts | |||||
| other short term finances | |||||
| hp & lease commitments | |||||
| other current liabilities | 255,419 | 630,843 | 1,500,691 | 1,663,214 | 1,281,698 |
| total current liabilities | 390,396 | 666,443 | 1,527,968 | 1,689,035 | 1,284,392 |
| loans | |||||
| hp & lease commitments | |||||
| Accruals and Deferred Income | |||||
| other liabilities | |||||
| provisions | |||||
| total long term liabilities | |||||
| total liabilities | 390,396 | 666,443 | 1,527,968 | 1,689,035 | 1,284,392 |
| net assets | 19,345,690 | 22,849,037 | 25,042,688 | 25,737,578 | 20,001,117 |
| total shareholders funds | 19,345,690 | 22,849,037 | 25,042,688 | 25,737,578 | 20,001,117 |
| Mar 2024 | Mar 2023 | Mar 2022 | Mar 2021 | Mar 2020 | |
|---|---|---|---|---|---|
| Operating Activities | |||||
| Operating Profit | |||||
| Depreciation | 1,138 | 903 | |||
| Amortisation | |||||
| Tax | |||||
| Stock | |||||
| Debtors | -2,109,507 | -7,888,949 | 3,986,064 | 679,978 | 14,651,954 |
| Creditors | 99,377 | 8,323 | 1,456 | 23,127 | 2,694 |
| Accruals and Deferred Income | -375,424 | -869,848 | -162,523 | 381,516 | 1,281,698 |
| Deferred Taxes & Provisions | |||||
| Cash flow from operations | |||||
| Investing Activities | |||||
| capital expenditure | |||||
| Change in Investments | 10,000,000 | ||||
| cash flow from investments | |||||
| 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 | |||||
| interest | |||||
| cash flow from financing | |||||
| cash and cash equivalents | |||||
| cash | -1,668,749 | -5,171,015 | -4,842,021 | 5,461,126 | 6,633,555 |
| overdraft | |||||
| change in cash | -1,668,749 | -5,171,015 | -4,842,021 | 5,461,126 | 6,633,555 |
impact lending limited Credit Report and Business Information
Impact Lending Limited Competitor Analysis
Perform a competitor analysis for impact lending limited by selecting its closest rivals, whether from the FINANCIAL AND INSURANCE ACTIVITIES sector, other mid companies, companies in E20 area or any other competitors across 12 key performance metrics.
impact lending limited Ownership
IMPACT LENDING LIMITED group structure
Impact Lending Limited has 3 subsidiary companies.
Ultimate parent company
IMPACT LENDING LIMITED
11762048
3 subsidiaries
impact lending limited directors
Impact Lending Limited currently has 4 directors. The longest serving directors include Mr Robert Whitton (Oct 2019) and Mr Robert Whitton (Oct 2019).
| officer | country | age | start | end | role |
|---|---|---|---|---|---|
| Mr Robert Whitton | United Kingdom | 62 years | Oct 2019 | - | Director |
| Mr Robert Whitton | 62 years | Oct 2019 | - | Director | |
| Mrs Eva Carter | United Kingdom | 48 years | Jul 2022 | - | Director |
| Mr Sebastian Whitton | United Kingdom | 33 years | Aug 2023 | - | Director |
P&L
March 2024turnover
5.6m
0%
operating profit
-3.6m
0%
gross margin
59.2%
-10.42%
turnover
Turnover, or revenue, is the amount of sales generated by a company within the financial year.
Balance Sheet
March 2024net assets
19.3m
-0.15%
total assets
19.7m
-0.16%
cash
412.9k
-0.8%
net assets
Total assets minus all liabilities
impact lending limited company details
company number
11762048
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
January 2019
age
6
incorporated
UK
ultimate parent company
accounts
Total Exemption Full
last accounts submitted
March 2024
previous names
hambros secured lending limited (January 2021)
accountant
AFFINIA
auditor
-
address
19th floor 1 westfield avenue, london, E20 1HZ
Bank
-
Legal Advisor
-
impact lending 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 impact lending limited. Currently there are 0 open charges and 2 have been satisfied in the past.
impact lending 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 IMPACT LENDING LIMITED. This can take several minutes, an email will notify you when this has completed.
impact lending limited Companies House Filings - See Documents
| date | description | view/download |
|---|
