fair4all finance limited
fair4all finance limited Company Information
Company Number
11810533
Next Accounts
Sep 2025
Shareholders
-
Group Structure
View All
Industry
Other activities auxiliary to financial services, except insurance and pension funding
Registered Address
16-18 middlesex street, 3rd floor (3.01 wyndham's), london, E1 7EX
Website
fair4allfinance.org.ukfair4all finance limited Estimated Valuation
Pomanda estimates the enterprise value of FAIR4ALL FINANCE LIMITED at £11.5m based on a Turnover of £13.7m and 0.84x industry multiple (adjusted for size and gross margin).
fair4all finance limited Estimated Valuation
Pomanda estimates the enterprise value of FAIR4ALL FINANCE LIMITED at £0 based on an EBITDA of £-1.5m and a 3.84x industry multiple (adjusted for size and gross margin).
fair4all finance limited Estimated Valuation
Pomanda estimates the enterprise value of FAIR4ALL FINANCE LIMITED at £68.8m based on Net Assets of £30.9m and 2.22x industry multiple (adjusted for liquidity).
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Fair4all Finance Limited Overview
Fair4all Finance Limited is a live company located in london, E1 7EX with a Companies House number of 11810533. It operates in the activities auxiliary to financial intermediation n.e.c. sector, SIC Code 66190. Founded in February 2019, it's largest shareholder is unknown. Fair4all Finance Limited is a young, mid sized company, Pomanda has estimated its turnover at £13.7m with declining growth in recent years.
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Fair4all Finance Limited Health Check
Pomanda's financial health check has awarded Fair4All Finance Limited a 4 rating. We use a traffic light system to show it exceeds the industry average on 5 measures and has 4 areas for improvement. Company Health Check FAQs
5 Strong
1 Regular
4 Weak
Size
annual sales of £13.7m, make it larger than the average company (£4.1m)
£13.7m - Fair4all Finance Limited
£4.1m - Industry AVG
Growth
3 year (CAGR) sales growth of -7%, show it is growing at a slower rate (9.4%)
-7% - Fair4all Finance Limited
9.4% - Industry AVG
Production
with a gross margin of 41.8%, this company has a higher cost of product (69.2%)
41.8% - Fair4all Finance Limited
69.2% - Industry AVG
Profitability
an operating margin of -11.2% make it less profitable than the average company (8.9%)
-11.2% - Fair4all Finance Limited
8.9% - Industry AVG
Employees
with 48 employees, this is above the industry average (9)
48 - Fair4all Finance Limited
9 - Industry AVG
Pay Structure
on an average salary of £55.3k, the company has a lower pay structure (£73.5k)
£55.3k - Fair4all Finance Limited
£73.5k - Industry AVG
Efficiency
resulting in sales per employee of £284.6k, this is more efficient (£182.5k)
£284.6k - Fair4all Finance Limited
£182.5k - Industry AVG
Debtor Days
There is insufficient data available for this Key Performance Indicator!
- - Fair4all Finance Limited
- - Industry AVG
Creditor Days
its suppliers are paid after 0 days, this is quicker than average (37 days)
0 days - Fair4all Finance Limited
37 days - Industry AVG
Stock Days
There is insufficient data available for this Key Performance Indicator!
- - Fair4all Finance Limited
- - Industry AVG
Cash Balance
has cash to cover current liabilities for 54 weeks, this is more cash available to meet short term requirements (28 weeks)
54 weeks - Fair4all Finance Limited
28 weeks - Industry AVG
Debt Level
it has a ratio of liabilities to total assets of 76%, this is a similar level of debt than the average (74.4%)
76% - Fair4all Finance Limited
74.4% - Industry AVG
FAIR4ALL FINANCE LIMITED financials
Fair4All Finance Limited's latest turnover from December 2023 is £13.7 million and the company has net assets of £30.9 million. According to their latest financial statements, Fair4All Finance Limited has 48 employees and maintains cash reserves of £101.5 million as reported in the balance sheet.
Data source: Companies House, Pomanda Estimates
| Dec 2023 | Dec 2022 | Dec 2021 | Dec 2020 | Dec 2019 | |
|---|---|---|---|---|---|
| Turnover | 13,660,512 | 11,411,698 | 8,307,535 | 17,000,870 | 642,291 |
| Other Income Or Grants | 172,000 | 400,000 | 400,000 | ||
| Cost Of Sales | 8,119,375 | 6,800,000 | 5,000,000 | 12,000,000 | |
| Gross Profit | 5,713,137 | 5,011,698 | 3,707,535 | 5,000,870 | |
| Admin Expenses | 7,240,773 | 5,186,923 | 3,603,135 | 5,193,675 | |
| Operating Profit | -1,527,636 | -175,225 | 104,400 | -192,805 | |
| Interest Payable | |||||
| Interest Receivable | 1,045,488 | 118,936 | 9,299 | 79,424 | 3,452 |
| Pre-Tax Profit | 265,410 | -1,372 | 33,674 | 3,452 | |
| Tax | -265,410 | 1,372 | -36,470 | -656 | |
| Profit After Tax | -2,796 | 2,796 | |||
| Dividends Paid | |||||
| Retained Profit | -2,796 | 2,796 | |||
| Employee Costs | 2,652,430 | 2,203,937 | 1,431,673 | 629,647 | 74,730 |
| Number Of Employees | 48 | 32 | 32 | 18 | 4 |
| EBITDA* | -1,502,378 | -153,139 | 122,234 | -182,740 | 2,521 |
* Earnings Before Interest, Tax, Depreciation and Amortisation
| Dec 2023 | Dec 2022 | Dec 2021 | Dec 2020 | Dec 2019 | |
|---|---|---|---|---|---|
| Tangible Assets | 49,220 | 51,773 | 68,340 | 47,046 | 7,565 |
| Intangible Assets | |||||
| Investments & Other | 26,297,375 | 18,900,000 | 12,450,000 | 7,350,000 | |
| Debtors (Due After 1 year) | |||||
| Total Fixed Assets | 26,346,595 | 18,951,773 | 12,518,340 | 7,397,046 | 7,565 |
| Stock & work in progress | |||||
| Trade Debtors | |||||
| Group Debtors | |||||
| Misc Debtors | 1,121,847 | 356,769 | 246,291 | 207,646 | 53,496 |
| Cash | 101,519,813 | 19,894,145 | 29,616,292 | 18,328,389 | 30,789,905 |
| misc current assets | |||||
| total current assets | 102,641,660 | 20,250,914 | 29,862,583 | 18,536,035 | 30,843,401 |
| total assets | 128,988,255 | 39,202,687 | 42,380,923 | 25,933,081 | 30,850,966 |
| Bank overdraft | |||||
| Bank loan | |||||
| Trade Creditors | 12,300 | 119,598 | 36,298 | 6,309 | |
| Group/Directors Accounts | |||||
| other short term finances | |||||
| hp & lease commitments | |||||
| other current liabilities | 96,028,580 | 15,922,916 | 25,420,690 | 13,446,772 | 30,308,170 |
| total current liabilities | 96,040,880 | 16,042,514 | 25,456,988 | 13,453,081 | 30,308,170 |
| loans | |||||
| hp & lease commitments | |||||
| Accruals and Deferred Income | 2,000,000 | 160,173 | 323,935 | 480,000 | 540,000 |
| other liabilities | |||||
| provisions | |||||
| total long term liabilities | 2,000,000 | 160,173 | 323,935 | 480,000 | 540,000 |
| total liabilities | 98,040,880 | 16,202,687 | 25,780,923 | 13,933,081 | 30,848,170 |
| net assets | 30,947,375 | 23,000,000 | 16,600,000 | 12,000,000 | 2,796 |
| total shareholders funds | 30,947,375 | 23,000,000 | 16,600,000 | 12,000,000 | 2,796 |
| Dec 2023 | Dec 2022 | Dec 2021 | Dec 2020 | Dec 2019 | |
|---|---|---|---|---|---|
| Operating Activities | |||||
| Operating Profit | -1,527,636 | -175,225 | 104,400 | -192,805 | |
| Depreciation | 25,258 | 22,086 | 17,834 | 10,065 | 2,521 |
| Amortisation | |||||
| Tax | -265,410 | 1,372 | -36,470 | -656 | |
| Stock | |||||
| Debtors | 765,078 | 110,478 | 38,645 | 154,150 | 53,496 |
| Creditors | -107,298 | 83,300 | 29,989 | 6,309 | |
| Accruals and Deferred Income | 81,945,491 | -9,661,536 | 11,817,853 | -16,921,398 | 30,848,170 |
| Deferred Taxes & Provisions | |||||
| Cash flow from operations | 79,305,327 | -9,841,853 | 11,932,803 | -17,288,449 | 30,796,539 |
| Investing Activities | |||||
| capital expenditure | |||||
| Change in Investments | 7,397,375 | 6,450,000 | 5,100,000 | 7,350,000 | |
| cash flow from investments | -7,397,375 | -6,450,000 | -5,100,000 | -7,350,000 | |
| 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 | 1,045,488 | 118,936 | 9,299 | 79,424 | 3,452 |
| cash flow from financing | 8,992,863 | 6,518,936 | 4,609,299 | 12,079,424 | 3,452 |
| cash and cash equivalents | |||||
| cash | 81,625,668 | -9,722,147 | 11,287,903 | -12,461,516 | 30,789,905 |
| overdraft | |||||
| change in cash | 81,625,668 | -9,722,147 | 11,287,903 | -12,461,516 | 30,789,905 |
fair4all finance limited Credit Report and Business Information
Fair4all Finance Limited Competitor Analysis
Perform a competitor analysis for fair4all finance limited by selecting its closest rivals, whether from the FINANCIAL AND INSURANCE ACTIVITIES sector, other mid companies, companies in E 1 area or any other competitors across 12 key performance metrics.
fair4all finance limited Ownership
FAIR4ALL FINANCE LIMITED group structure
Fair4All Finance Limited has no subsidiary companies.
Ultimate parent company
FAIR4ALL FINANCE LIMITED
11810533
fair4all finance limited directors
Fair4All Finance Limited currently has 14 directors. The longest serving directors include Mr Richard Collier-Keywood (Feb 2019) and Ms Linda Stevens (Feb 2019).
| officer | country | age | start | end | role |
|---|---|---|---|---|---|
| Mr Richard Collier-Keywood | England | 63 years | Feb 2019 | - | Director |
| Ms Linda Stevens | 60 years | Feb 2019 | - | Director | |
| Sir Leigh Lewis | 74 years | Jul 2019 | - | Director | |
| Mrs Joanna Elson | England | 59 years | Jul 2019 | - | Director |
| Mr James Invine | England | 47 years | Sep 2019 | - | Director |
| Mrs Faith Reynolds | England | 47 years | Sep 2019 | - | Director |
| Ms Ingrid Kukuljan | England | 50 years | Sep 2019 | - | Director |
| Mr Michael Anderson | 62 years | Jun 2020 | - | Director | |
| Ms Jennifer Rademaker | United Kingdom | 58 years | Jun 2020 | - | Director |
| Ms Ria Bailes | England | 63 years | Jun 2020 | - | Director |
P&L
December 2023turnover
13.7m
+20%
operating profit
-1.5m
+772%
gross margin
41.9%
-4.77%
turnover
Turnover, or revenue, is the amount of sales generated by a company within the financial year.
Balance Sheet
December 2023net assets
30.9m
+0.35%
total assets
129m
+2.29%
cash
101.5m
+4.1%
net assets
Total assets minus all liabilities
fair4all finance limited company details
company number
11810533
Type
Private Ltd By Guarantee w/o Share Cap
industry
66190 - Other activities auxiliary to financial services, except insurance and pension funding
incorporation date
February 2019
age
6
incorporated
UK
ultimate parent company
accounts
Full Accounts
last accounts submitted
December 2023
previous names
dormant assets financial inclusion organisation limited (February 2019)
accountant
-
auditor
BUZZACOTT LLP
address
16-18 middlesex street, 3rd floor (3.01 wyndham's), london, E1 7EX
Bank
NATWEST
Legal Advisor
-
fair4all 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 did not find charges/mortgages relating to fair4all finance limited.
fair4all 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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fair4all finance limited Companies House Filings - See Documents
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