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
42 jamaica street, liverpool, L1 0AF
Website
-
phoenix money ltdEstimated Valuation
£100.5m
Pomanda estimates the enterprise value of PHOENIX MONEY LTD at £100.5m based on a Turnover of £40.2m and 2.5x industry multiple (adjusted for size and gross margin).
phoenix money ltdEstimated Valuation
£39.5m
Pomanda estimates the enterprise value of PHOENIX MONEY LTD at £39.5m based on an EBITDA of £4.3m and a 9.13x industry multiple (adjusted for size and gross margin).
phoenix money ltdEstimated Valuation
£6m
Pomanda estimates the enterprise value of PHOENIX MONEY LTD at £6m based on Net Assets of £3.2m and 1.89x industry multiple (adjusted for liquidity).
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Phoenix Money LtdOverview
Phoenix Money Ltd is a live company located in liverpool, L1 0AF with a Companies House number of 12392830. It operates in the other credit granting n.e.c. sector, SIC Code 64929. Founded in January 2020, it's largest shareholder is
phoenix money group ltd
with a 100% stake. Phoenix Money Ltd is a young,
large sized company, Pomanda has estimated its turnover at
£40.2m with
rapid
growth in recent years.
Pomanda's financial health check has awarded Phoenix Money Ltd a 3.5 rating. We use a traffic light system to show it exceeds the industry average on 3 measures and has 4 areas for improvement. Company Health Check FAQs
Health Rating3.5out of 5
3 Strong
4 Regular
4 Weak
Size
annual sales of £40.2m, make it larger than the average company (£4.8m)
£40.2m - Phoenix Money Ltd
£4.8m - Industry AVG
Growth
3 year (CAGR) sales growth of 402%, show it is growing at a faster rate (6.6%)
402% - Phoenix Money Ltd
6.6% - Industry AVG
Production
with a gross margin of 63.1%, this company has a comparable cost of product (63.1%)
63.1% - Phoenix Money Ltd
63.1% - Industry AVG
Profitability
an operating margin of 10.7% make it less profitable than the average company (27.5%)
10.7% - Phoenix Money Ltd
27.5% - Industry AVG
Employees
with 4 employees, this is similar to the industry average (5)
4 - Phoenix Money Ltd
5 - Industry AVG
Pay Structure
on an average salary of £67.5k, the company has an equivalent pay structure (£67.5k)
£67.5k - Phoenix Money Ltd
£67.5k - Industry AVG
Efficiency
resulting in sales per employee of £10m, this is more efficient (£420.9k)
£10m - Phoenix Money Ltd
£420.9k - Industry AVG
Debtor Days
it gets paid by customers after 222 days, this is later than average (71 days)
222 days - Phoenix Money Ltd
71 days - Industry AVG
Creditor Days
its suppliers are paid after 0 days, this is quicker than average (21 days)
0 days - Phoenix Money Ltd
21 days - Industry AVG
Stock Days
There is insufficient data available for this Key Performance Indicator!
- - Phoenix Money Ltd
- - Industry AVG
Cash Balance
has cash to cover current liabilities
for 5 weeks, this is less cash available to meet short term requirements (9 weeks)
5 weeks - Phoenix Money Ltd
9 weeks - Industry AVG
Debt Level
it has a ratio of liabilities to total assets of 90%, this is a similar level of debt than the average (89.5%)
90% - Phoenix Money Ltd
89.5% - Industry AVG
PHOENIX MONEY LTD financials
EXPORT
Phoenix Money Ltd's latest turnover from December 2023 is estimated at £40.2 million and the company has net assets of £3.2 million. According to their latest financial statements, Phoenix Money Ltd has 4 employees and maintains cash reserves of £1.3 million as reported in the balance sheet.
Data source:Companies House, Pomanda Estimates
Dec 2023
Dec 2022
Dec 2021
Dec 2020
Turnover
40,154,975
3,552,535
2,085,670
317,413
Other Income Or Grants
Cost Of Sales
14,800,715
1,836,158
1,013,369
162,156
Gross Profit
25,354,260
1,716,377
1,072,301
155,257
Admin Expenses
21,044,079
173,638
70,573
49,620
Operating Profit
4,310,181
1,542,739
1,001,728
105,637
Interest Payable
3,021,432
Interest Receivable
55,181
4
1
Pre-Tax Profit
1,343,929
1,542,739
1,001,732
105,638
Tax
-335,982
-274,484
-187,961
-23,344
Profit After Tax
1,007,947
1,268,255
813,771
82,294
Dividends Paid
Retained Profit
1,007,947
1,268,255
813,771
82,294
Employee Costs
269,963
132,122
125,437
114,661
Number Of Employees
4
2
2
2
EBITDA*
4,322,277
1,543,645
1,001,728
105,637
* Earnings Before Interest, Tax, Depreciation and Amortisation
Dec 2023
Dec 2022
Dec 2021
Dec 2020
Tangible Assets
49,413
39,180
Intangible Assets
3,150
Investments & Other
Debtors (Due After 1 year)
2,829,000
3,261,331
2,708,873
Total Fixed Assets
2,881,563
3,300,511
2,708,873
Stock & work in progress
Trade Debtors
24,435,899
25,167,801
15,568,433
7,123,381
Group Debtors
940,000
Misc Debtors
2,253,136
397,410
97,373
47,035
Cash
1,252,387
849,744
2,660,644
387,616
misc current assets
total current assets
28,881,422
26,414,955
18,326,450
7,558,032
total assets
31,762,985
29,715,466
21,035,323
7,558,032
Bank overdraft
Bank loan
Trade Creditors
13,864
26,738
2,706
923
Group/Directors Accounts
other short term finances
11,550,000
11,109,985
4,260,000
50,000
hp & lease commitments
other current liabilities
1,062,389
1,324,322
809,541
142,805
total current liabilities
12,626,253
12,461,045
5,072,247
193,728
loans
15,964,364
15,090,000
15,066,910
7,281,910
hp & lease commitments
Accruals and Deferred Income
other liabilities
provisions
total long term liabilities
15,964,364
15,090,000
15,066,910
7,281,910
total liabilities
28,590,617
27,551,045
20,139,157
7,475,638
net assets
3,172,368
2,164,421
896,166
82,394
total shareholders funds
3,172,368
2,164,421
896,166
82,394
Dec 2023
Dec 2022
Dec 2021
Dec 2020
Operating Activities
Operating Profit
4,310,181
1,542,739
1,001,728
105,637
Depreciation
11,046
906
Amortisation
1,050
Tax
-335,982
-274,484
-187,961
-23,344
Stock
Debtors
1,631,493
10,451,863
11,204,263
7,170,416
Creditors
-12,874
24,032
1,783
923
Accruals and Deferred Income
-261,933
514,781
666,736
142,805
Deferred Taxes & Provisions
Cash flow from operations
2,079,995
-8,643,889
-9,721,977
-6,944,395
Investing Activities
capital expenditure
-25,479
-40,086
Change in Investments
cash flow from investments
-25,479
-40,086
Financing Activities
Bank loans
Group/Directors Accounts
Other Short Term Loans
440,015
6,849,985
4,210,000
50,000
Long term loans
874,364
23,090
7,785,000
7,281,910
Hire Purchase and Lease Commitments
other long term liabilities
share issue
1
100
interest
-2,966,251
4
1
cash flow from financing
-1,651,872
6,873,075
11,995,005
7,332,011
cash and cash equivalents
cash
402,643
-1,810,900
2,273,028
387,616
overdraft
change in cash
402,643
-1,810,900
2,273,028
387,616
phoenix money ltd Credit Report and Business Information
Very Low Risk70 - 100
Low Risk50 - 70
Moderate Risk30 - 50
High Risk20 - 30
Very High Risk0 - 20
Get a comprehensive credit check for phoenix money ltd. Get real-time insights into phoenix money ltd's credit score, group structure and payment trends.
Perform a competitor analysis for phoenix money ltd by selecting its closest rivals, whether from the FINANCIAL AND INSURANCE ACTIVITIES sector, other large companies, companies in L 1 area or any other competitors across 12 key performance metrics.
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.
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 22 charges/mortgages relating to phoenix money ltd. Currently there are 19 open charges and 3 have been satisfied in the past.
phoenix money 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.
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phoenix money ltdCompanies House Filings - See Documents
