housing affordability finance (haf) ltd
housing affordability finance (haf) ltd Company Information
Company Number
12096242
Next Accounts
Apr 2025
Industry
Other business support service activities n.e.c.
Shareholders
simon david pillar
Group Structure
View All
Contact
Registered Address
west acres faringdon road, cumnor, oxford, OX2 9QY
Website
housingaffordability.cohousing affordability finance (haf) ltd Estimated Valuation
Pomanda estimates the enterprise value of HOUSING AFFORDABILITY FINANCE (HAF) LTD at £328.8k based on a Turnover of £839.3k and 0.39x industry multiple (adjusted for size and gross margin).
housing affordability finance (haf) ltd Estimated Valuation
Pomanda estimates the enterprise value of HOUSING AFFORDABILITY FINANCE (HAF) LTD at £0 based on an EBITDA of £-67.2k and a 2.89x industry multiple (adjusted for size and gross margin).
housing affordability finance (haf) ltd Estimated Valuation
Pomanda estimates the enterprise value of HOUSING AFFORDABILITY FINANCE (HAF) LTD at £0 based on Net Assets of £-695.2k and 2.35x industry multiple (adjusted for liquidity).
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Housing Affordability Finance (haf) Ltd Overview
Housing Affordability Finance (haf) Ltd is a live company located in oxford, OX2 9QY with a Companies House number of 12096242. It operates in the other business support service activities n.e.c. sector, SIC Code 82990. Founded in July 2019, it's largest shareholder is simon david pillar with a 100% stake. Housing Affordability Finance (haf) Ltd is a young, small sized company, Pomanda has estimated its turnover at £839.3k with rapid growth in recent years.
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Housing Affordability Finance (haf) Ltd Health Check
Pomanda's financial health check has awarded Housing Affordability Finance (Haf) Ltd a 2 rating. We use a traffic light system to show it exceeds the industry average on 2 measures and has 7 areas for improvement. Company Health Check FAQs
2 Strong
1 Regular
7 Weak
Size
annual sales of £839.3k, make it smaller than the average company (£3.6m)
- Housing Affordability Finance (haf) Ltd
£3.6m - Industry AVG
Growth
3 year (CAGR) sales growth of 134%, show it is growing at a faster rate (4.9%)
- Housing Affordability Finance (haf) Ltd
4.9% - Industry AVG
Production
with a gross margin of 17.4%, this company has a higher cost of product (37.8%)
- Housing Affordability Finance (haf) Ltd
37.8% - Industry AVG
Profitability
an operating margin of -8% make it less profitable than the average company (6.1%)
- Housing Affordability Finance (haf) Ltd
6.1% - Industry AVG
Employees
with 3 employees, this is below the industry average (23)
- Housing Affordability Finance (haf) Ltd
23 - Industry AVG
Pay Structure
on an average salary of £47.3k, the company has an equivalent pay structure (£47.3k)
- Housing Affordability Finance (haf) Ltd
£47.3k - Industry AVG
Efficiency
resulting in sales per employee of £279.8k, this is more efficient (£150.7k)
- Housing Affordability Finance (haf) Ltd
£150.7k - Industry AVG
Debtor Days
it gets paid by customers after 133 days, this is later than average (40 days)
- Housing Affordability Finance (haf) Ltd
40 days - Industry AVG
Creditor Days
its suppliers are paid after 5 days, this is quicker than average (33 days)
- Housing Affordability Finance (haf) Ltd
33 days - Industry AVG
Stock Days
There is insufficient data available for this Key Performance Indicator!
- Housing Affordability Finance (haf) Ltd
- - Industry AVG
Cash Balance
There is insufficient data available for this Key Performance Indicator!
- - Housing Affordability Finance (haf) Ltd
- - Industry AVG
Debt Level
it has a ratio of liabilities to total assets of 326.7%, this is a higher level of debt than the average (61.4%)
326.7% - Housing Affordability Finance (haf) Ltd
61.4% - Industry AVG
HOUSING AFFORDABILITY FINANCE (HAF) LTD financials
Housing Affordability Finance (Haf) Ltd's latest turnover from July 2023 is estimated at £839.3 thousand and the company has net assets of -£695.2 thousand. According to their latest financial statements, we estimate that Housing Affordability Finance (Haf) Ltd has 3 employees and maintains cash reserves of 0 as reported in the balance sheet.
Data source: Companies House, Pomanda Estimates
| Jul 2023 | Jul 2022 | Jul 2021 | Jul 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 | ||||
| EBITDA* |
* Earnings Before Interest, Tax, Depreciation and Amortisation
| Jul 2023 | Jul 2022 | Jul 2021 | Jul 2020 | |
|---|---|---|---|---|
| Tangible Assets | 0 | 0 | 0 | 0 |
| Intangible Assets | 0 | 0 | 0 | 0 |
| Investments & Other | 0 | 0 | 0 | 0 |
| Debtors (Due After 1 year) | 0 | 0 | 0 | 0 |
| Total Fixed Assets | 0 | 0 | 0 | 0 |
| Stock & work in progress | 0 | 0 | 0 | 0 |
| Trade Debtors | 306,677 | 26,755 | 40,750 | 14,558 |
| Group Debtors | 0 | 0 | 0 | 0 |
| Misc Debtors | 0 | 403 | 372 | 0 |
| Cash | 0 | 0 | 0 | 0 |
| misc current assets | 0 | 0 | 0 | 0 |
| total current assets | 306,677 | 27,158 | 41,122 | 14,558 |
| total assets | 306,677 | 27,158 | 41,122 | 14,558 |
| Bank overdraft | 0 | 0 | 0 | 0 |
| Bank loan | 0 | 0 | 0 | 0 |
| Trade Creditors | 10,595 | 13,869 | 1,633 | 0 |
| Group/Directors Accounts | 0 | 0 | 0 | 0 |
| other short term finances | 0 | 0 | 0 | 0 |
| hp & lease commitments | 0 | 0 | 0 | 0 |
| other current liabilities | 0 | 0 | 0 | 0 |
| total current liabilities | 10,595 | 13,869 | 1,633 | 0 |
| loans | 0 | 0 | 0 | 0 |
| hp & lease commitments | 0 | 0 | 0 | 0 |
| Accruals and Deferred Income | 0 | 0 | 0 | 0 |
| other liabilities | 991,244 | 641,244 | 625,019 | 495,019 |
| provisions | 0 | 0 | 0 | 0 |
| total long term liabilities | 991,244 | 641,244 | 625,019 | 495,019 |
| total liabilities | 1,001,839 | 655,113 | 626,652 | 495,019 |
| net assets | -695,162 | -627,955 | -585,530 | -480,461 |
| total shareholders funds | -695,162 | -627,955 | -585,530 | -480,461 |
| Jul 2023 | Jul 2022 | Jul 2021 | Jul 2020 | |
|---|---|---|---|---|
| Operating Activities | ||||
| Operating Profit | ||||
| Depreciation | 0 | 0 | 0 | 0 |
| Amortisation | 0 | 0 | 0 | 0 |
| Tax | ||||
| Stock | 0 | 0 | 0 | 0 |
| Debtors | 279,519 | -13,964 | 26,564 | 14,558 |
| Creditors | -3,274 | 12,236 | 1,633 | 0 |
| Accruals and Deferred Income | 0 | 0 | 0 | 0 |
| Deferred Taxes & Provisions | 0 | 0 | 0 | 0 |
| Cash flow from operations | ||||
| Investing Activities | ||||
| capital expenditure | ||||
| Change in Investments | 0 | 0 | 0 | 0 |
| cash flow from investments | ||||
| Financing Activities | ||||
| Bank loans | 0 | 0 | 0 | 0 |
| Group/Directors Accounts | 0 | 0 | 0 | 0 |
| Other Short Term Loans | 0 | 0 | 0 | 0 |
| Long term loans | 0 | 0 | 0 | 0 |
| Hire Purchase and Lease Commitments | 0 | 0 | 0 | 0 |
| other long term liabilities | 350,000 | 16,225 | 130,000 | 495,019 |
| share issue | ||||
| interest | ||||
| cash flow from financing | ||||
| cash and cash equivalents | ||||
| cash | 0 | 0 | 0 | 0 |
| overdraft | 0 | 0 | 0 | 0 |
| change in cash | 0 | 0 | 0 | 0 |
housing affordability finance (haf) ltd Credit Report and Business Information
Housing Affordability Finance (haf) Ltd Competitor Analysis
Perform a competitor analysis for housing affordability finance (haf) ltd by selecting its closest rivals, whether from the ADMINISTRATIVE AND SUPPORT SERVICE ACTIVITIES sector, other small companies, companies in OX2 area or any other competitors across 12 key performance metrics.
housing affordability finance (haf) ltd Ownership
HOUSING AFFORDABILITY FINANCE (HAF) LTD group structure
Housing Affordability Finance (Haf) Ltd has no subsidiary companies.
Ultimate parent company
HOUSING AFFORDABILITY FINANCE (HAF) LTD
12096242
housing affordability finance (haf) ltd directors
Housing Affordability Finance (Haf) Ltd currently has 4 directors. The longest serving directors include Mr Simon Pillar (Jul 2019) and Mr Denis Petkovic (Feb 2021).
| officer | country | age | start | end | role |
|---|---|---|---|---|---|
| Mr Simon Pillar | England | 63 years | Jul 2019 | - | Director |
| Mr Denis Petkovic | Croatia | 65 years | Feb 2021 | - | Director |
| Mr Jens McDonald | United Kingdom | 50 years | Feb 2021 | - | Director |
| Mr Richard Gray | England | 57 years | Nov 2021 | - | Director |
P&L
July 2023turnover
839.3k
+899%
operating profit
-67.2k
0%
gross margin
17.4%
+2.94%
turnover
Turnover, or revenue, is the amount of sales generated by a company within the financial year.
Balance Sheet
July 2023net assets
-695.2k
+0.11%
total assets
306.7k
+10.29%
cash
0
0%
net assets
Total assets minus all liabilities
Similar Companies
housing affordability finance (haf) ltd company details
company number
12096242
Type
Private limited with Share Capital
industry
82990 - Other business support service activities n.e.c.
incorporation date
July 2019
age
5
incorporated
UK
ultimate parent company
accounts
Micro-Entity Accounts
last accounts submitted
July 2023
previous names
N/A
accountant
-
auditor
-
address
west acres faringdon road, cumnor, oxford, OX2 9QY
Bank
-
Legal Advisor
-
housing affordability finance (haf) ltd 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 housing affordability finance (haf) ltd.
housing affordability finance (haf) ltd 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 HOUSING AFFORDABILITY FINANCE (HAF) LTD. This can take several minutes, an email will notify you when this has completed.
housing affordability finance (haf) ltd Companies House Filings - See Documents
| date | description | view/download |
|---|
