rfs finance limited
rfs finance limited Company Information
Company Number
12394593
Next Accounts
Oct 2025
Shareholders
rfs (ripon) limited
andrew david brown
Group Structure
View All
Industry
Other activities auxiliary to financial services, except insurance and pension funding
Registered Address
dallamires lane, ripon, north yorkshire, HG4 1TT
Website
-rfs finance limited Estimated Valuation
Pomanda estimates the enterprise value of RFS FINANCE LIMITED at £83.3k based on a Turnover of £159.8k and 0.52x industry multiple (adjusted for size and gross margin).
rfs finance limited Estimated Valuation
Pomanda estimates the enterprise value of RFS FINANCE LIMITED at £0 based on an EBITDA of £-10.9k and a 2.38x industry multiple (adjusted for size and gross margin).
rfs finance limited Estimated Valuation
Pomanda estimates the enterprise value of RFS FINANCE LIMITED at £85.1k based on Net Assets of £38.3k and 2.22x industry multiple (adjusted for liquidity).
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Rfs Finance Limited Overview
Rfs Finance Limited is a live company located in north yorkshire, HG4 1TT with a Companies House number of 12394593. It operates in the activities auxiliary to financial intermediation n.e.c. sector, SIC Code 66190. Founded in January 2020, it's largest shareholder is rfs (ripon) limited with a 50% stake. Rfs Finance Limited is a young, micro sized company, Pomanda has estimated its turnover at £159.8k with healthy growth in recent years.
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Rfs Finance Limited Health Check
Pomanda's financial health check has awarded Rfs Finance Limited a 1.5 rating. We use a traffic light system to show it exceeds the industry average on 1 measures and has 8 areas for improvement. Company Health Check FAQs
1 Strong
1 Regular
8 Weak
Size
annual sales of £159.8k, make it smaller than the average company (£3.8m)
- Rfs Finance Limited
£3.8m - Industry AVG
Growth
3 year (CAGR) sales growth of 6%, show it is growing at a slower rate (10.2%)
- Rfs Finance Limited
10.2% - Industry AVG
Production
with a gross margin of 18.3%, this company has a higher cost of product (81.3%)
- Rfs Finance Limited
81.3% - Industry AVG
Profitability
an operating margin of -6.8% make it less profitable than the average company (9.3%)
- Rfs Finance Limited
9.3% - Industry AVG
Employees
with 2 employees, this is below the industry average (8)
2 - Rfs Finance Limited
8 - Industry AVG
Pay Structure
on an average salary of £71.5k, the company has an equivalent pay structure (£71.5k)
- Rfs Finance Limited
£71.5k - Industry AVG
Efficiency
resulting in sales per employee of £79.9k, this is less efficient (£174.5k)
- Rfs Finance Limited
£174.5k - Industry AVG
Debtor Days
it gets paid by customers after 89 days, this is later than average (32 days)
- Rfs Finance Limited
32 days - Industry AVG
Creditor Days
its suppliers are paid after 3 days, this is quicker than average (36 days)
- Rfs Finance Limited
36 days - Industry AVG
Stock Days
There is insufficient data available for this Key Performance Indicator!
- Rfs Finance Limited
- - Industry AVG
Cash Balance
There is insufficient data available for this Key Performance Indicator!
- - Rfs Finance Limited
- - Industry AVG
Debt Level
it has a ratio of liabilities to total assets of 2.7%, this is a lower level of debt than the average (70.2%)
2.7% - Rfs Finance Limited
70.2% - Industry AVG
RFS FINANCE LIMITED financials
Rfs Finance Limited's latest turnover from January 2024 is estimated at £159.8 thousand and the company has net assets of £38.3 thousand. According to their latest financial statements, Rfs Finance Limited has 2 employees and maintains cash reserves of 0 as reported in the balance sheet.
Data source: Companies House, Pomanda Estimates
| Jan 2024 | Jan 2023 | Jan 2022 | Jan 2021 | |
|---|---|---|---|---|
| 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 | 2 | 2 | 2 | 2 |
| EBITDA* |
* Earnings Before Interest, Tax, Depreciation and Amortisation
| Jan 2024 | Jan 2023 | Jan 2022 | Jan 2021 | |
|---|---|---|---|---|
| Tangible Assets | ||||
| Intangible Assets | ||||
| Investments & Other | ||||
| Debtors (Due After 1 year) | ||||
| Total Fixed Assets | ||||
| Stock & work in progress | ||||
| Trade Debtors | 39,364 | 50,261 | 88,418 | 38,603 |
| Group Debtors | ||||
| Misc Debtors | ||||
| Cash | ||||
| misc current assets | ||||
| total current assets | 39,364 | 50,261 | 88,418 | 38,603 |
| total assets | 39,364 | 50,261 | 88,418 | 38,603 |
| Bank overdraft | ||||
| Bank loan | ||||
| Trade Creditors | 1,075 | 1,038 | 11,612 | 7,055 |
| Group/Directors Accounts | ||||
| other short term finances | ||||
| hp & lease commitments | ||||
| other current liabilities | ||||
| total current liabilities | 1,075 | 1,038 | 11,612 | 7,055 |
| loans | ||||
| hp & lease commitments | ||||
| Accruals and Deferred Income | ||||
| other liabilities | ||||
| provisions | ||||
| total long term liabilities | ||||
| total liabilities | 1,075 | 1,038 | 11,612 | 7,055 |
| net assets | 38,289 | 49,223 | 76,806 | 31,548 |
| total shareholders funds | 38,289 | 49,223 | 76,806 | 31,548 |
| Jan 2024 | Jan 2023 | Jan 2022 | Jan 2021 | |
|---|---|---|---|---|
| Operating Activities | ||||
| Operating Profit | ||||
| Depreciation | ||||
| Amortisation | ||||
| Tax | ||||
| Stock | ||||
| Debtors | -10,897 | -38,157 | 49,815 | 38,603 |
| Creditors | 37 | -10,574 | 4,557 | 7,055 |
| Accruals and Deferred Income | ||||
| Deferred Taxes & Provisions | ||||
| Cash flow from operations | ||||
| Investing Activities | ||||
| capital expenditure | ||||
| Change in Investments | ||||
| 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 | ||||
| overdraft | ||||
| change in cash |
rfs finance limited Credit Report and Business Information
Rfs Finance Limited Competitor Analysis
Perform a competitor analysis for rfs finance limited by selecting its closest rivals, whether from the FINANCIAL AND INSURANCE ACTIVITIES sector, other micro companies, companies in HG4 area or any other competitors across 12 key performance metrics.
rfs finance limited Ownership
RFS FINANCE LIMITED group structure
Rfs Finance Limited has no subsidiary companies.
Ultimate parent company
RFS FINANCE LIMITED
12394593
rfs finance limited directors
Rfs Finance Limited currently has 3 directors. The longest serving directors include Mr Joseph Widdup (Jan 2020) and Mr Andrew Wells (Jan 2020).
| officer | country | age | start | end | role |
|---|---|---|---|---|---|
| Mr Joseph Widdup | England | 53 years | Jan 2020 | - | Director |
| Mr Andrew Wells | England | 55 years | Jan 2020 | - | Director |
| Mr Andrew Brown | 62 years | Jan 2020 | - | Director |
P&L
January 2024turnover
159.8k
-11%
operating profit
-10.9k
0%
gross margin
18.4%
-11.11%
turnover
Turnover, or revenue, is the amount of sales generated by a company within the financial year.
Balance Sheet
January 2024net assets
38.3k
-0.22%
total assets
39.4k
-0.22%
cash
0
0%
net assets
Total assets minus all liabilities
rfs finance limited company details
company number
12394593
Type
Private limited with Share Capital
industry
66190 - Other activities auxiliary to financial services, except insurance and pension funding
incorporation date
January 2020
age
5
incorporated
UK
ultimate parent company
accounts
Micro-Entity Accounts
last accounts submitted
January 2024
previous names
N/A
accountant
-
auditor
-
address
dallamires lane, ripon, north yorkshire, HG4 1TT
Bank
-
Legal Advisor
-
rfs 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 rfs finance limited.
rfs 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.
Click to start generating capital raising & share issue transactions for RFS FINANCE LIMITED. This can take several minutes, an email will notify you when this has completed.
rfs finance limited Companies House Filings - See Documents
| date | description | view/download |
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