Credit granting by non-deposit taking finance houses and other specialist consumer credit grantors
Registered Address
first floor, skyways house, speke road, liverpool, L70 1AB
Website
-
vg consumer finance limitedEstimated Valuation
£0
Pomanda estimates the enterprise value of VG CONSUMER FINANCE LIMITED at £0 based on a Turnover of £0 and 1.14x industry multiple (adjusted for size and gross margin).
vg consumer finance limitedEstimated Valuation
£0
Pomanda estimates the enterprise value of VG CONSUMER FINANCE LIMITED at £0 based on an EBITDA of £-367k and a 4.14x industry multiple (adjusted for size and gross margin).
vg consumer finance limitedEstimated Valuation
£113.7m
Pomanda estimates the enterprise value of VG CONSUMER FINANCE LIMITED at £113.7m based on Net Assets of £47.1m and 2.41x industry multiple (adjusted for liquidity).
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Vg Consumer Finance LimitedOverview
Vg Consumer Finance Limited is a live company located in liverpool, L70 1AB with a Companies House number of 13386385. It operates in the credit granting by non-deposit taking finance houses and other specialist consumer credit grantors sector, SIC Code 64921. Founded in May 2021, it's largest shareholder is
shop direct group financial services limited
with a 100% stake. Vg Consumer Finance Limited is a startup,
unknown sized company, Pomanda has estimated its turnover at
£0 with
unknown
growth in recent years.
Pomanda's financial health check has awarded Vg Consumer Finance Limited a 1 rating. We use a traffic light system to show it exceeds the industry average on 1 measures and has 1 areas for improvement. Company Health Check FAQs
Health Rating1out of 5
1 Strong
0 Regular
1 Weak
Size
There is insufficient data available for this Key Performance Indicator!
- - Vg Consumer Finance Limited
- - Industry AVG
Growth
There is insufficient data available for this Key Performance Indicator!
- - Vg Consumer Finance Limited
- - Industry AVG
Production
There is insufficient data available for this Key Performance Indicator!
- - Vg Consumer Finance Limited
- - Industry AVG
Profitability
There is insufficient data available for this Key Performance Indicator!
- - Vg Consumer Finance Limited
- - Industry AVG
Employees
with 1 employees, this is below the industry average (12)
- - Vg Consumer Finance Limited
- - Industry AVG
Pay Structure
There is insufficient data available for this Key Performance Indicator!
- - Vg Consumer Finance Limited
- - Industry AVG
Efficiency
There is insufficient data available for this Key Performance Indicator!
- - Vg Consumer Finance Limited
- - Industry AVG
Debtor Days
There is insufficient data available for this Key Performance Indicator!
- - Vg Consumer Finance Limited
- - Industry AVG
Creditor Days
There is insufficient data available for this Key Performance Indicator!
- - Vg Consumer Finance Limited
- - Industry AVG
Stock Days
There is insufficient data available for this Key Performance Indicator!
- - Vg Consumer Finance Limited
- - Industry AVG
Cash Balance
There is insufficient data available for this Key Performance Indicator!
- - Vg Consumer Finance Limited
- - Industry AVG
Debt Level
it has a ratio of liabilities to total assets of 26.8%, this is a lower level of debt than the average (100%)
- - Vg Consumer Finance Limited
- - Industry AVG
VG CONSUMER FINANCE LIMITED financials
EXPORT
Vg Consumer Finance Limited's latest turnover from June 2024 is 0 and the company has net assets of £47.1 million. According to their latest financial statements, we estimate that Vg Consumer Finance Limited has 1 employee and maintains cash reserves of 0 as reported in the balance sheet.
Data source:Companies House, Pomanda Estimates
Jun 2024
Jul 2023
Jul 2022
Turnover
Other Income Or Grants
Cost Of Sales
Gross Profit
Admin Expenses
367,000
1,379,000
1,134,000
Operating Profit
-367,000
-1,379,000
-1,134,000
Interest Payable
Interest Receivable
Pre-Tax Profit
-367,000
-1,379,000
-1,134,000
Tax
Profit After Tax
-367,000
-1,379,000
-1,134,000
Dividends Paid
Retained Profit
-367,000
-1,379,000
-1,134,000
Employee Costs
Number Of Employees
1
1
1
EBITDA*
-367,000
-1,379,000
-1,134,000
* Earnings Before Interest, Tax, Depreciation and Amortisation
Jun 2024
Jul 2023
Jul 2022
Tangible Assets
Intangible Assets
14,379,000
12,430,000
9,747,000
Investments & Other
Debtors (Due After 1 year)
Total Fixed Assets
14,379,000
12,430,000
9,747,000
Stock & work in progress
Trade Debtors
Group Debtors
50,000,000
50,000,000
39,257,000
Misc Debtors
Cash
misc current assets
total current assets
50,000,000
50,000,000
39,257,000
total assets
64,379,000
62,430,000
49,004,000
Bank overdraft
Bank loan
Trade Creditors
Group/Directors Accounts
16,921,000
14,713,000
other short term finances
hp & lease commitments
other current liabilities
338,000
230,000
138,000
total current liabilities
17,259,000
14,943,000
138,000
loans
hp & lease commitments
Accruals and Deferred Income
other liabilities
provisions
total long term liabilities
total liabilities
17,259,000
14,943,000
138,000
net assets
47,120,000
47,487,000
48,866,000
total shareholders funds
47,120,000
47,487,000
48,866,000
Jun 2024
Jul 2023
Jul 2022
Operating Activities
Operating Profit
-367,000
-1,379,000
-1,134,000
Depreciation
Amortisation
Tax
Stock
Debtors
10,743,000
39,257,000
Creditors
Accruals and Deferred Income
108,000
92,000
138,000
Deferred Taxes & Provisions
Cash flow from operations
-259,000
-12,030,000
-40,253,000
Investing Activities
capital expenditure
-1,949,000
-2,683,000
-9,747,000
Change in Investments
cash flow from investments
-1,949,000
-2,683,000
-9,747,000
Financing Activities
Bank loans
Group/Directors Accounts
2,208,000
14,713,000
Other Short Term Loans
Long term loans
Hire Purchase and Lease Commitments
other long term liabilities
share issue
50,000,000
interest
cash flow from financing
2,208,000
14,713,000
50,000,000
cash and cash equivalents
cash
overdraft
change in cash
vg consumer finance limited 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 vg consumer finance limited. Get real-time insights into vg consumer finance limited's credit score, group structure and payment trends.
Perform a competitor analysis for vg consumer finance limited by selecting its closest rivals, whether from the FINANCIAL AND INSURANCE ACTIVITIES sector, other startup companies, companies in L70 area or any other competitors across 12 key performance metrics.
vg consumer finance limited Ownership
VG CONSUMER FINANCE LIMITED group structure
Vg Consumer Finance Limited has no subsidiary companies.
The sole shareholder of Vg Consumer Finance Limited is Shop Direct Group Financial Services Limited.
shop direct group financial services limited
100%
vg consumer finance limited directors
Vg Consumer Finance Limited currently has 8 directors.
The longest serving directors include
Mr David Kershaw (May 2021) and
Mr Richard Banks (May 2021).
Turnover, or revenue, is the amount of sales generated by a company within the financial year.
Balance Sheet
June 2024
net assets
47.1m
-0.01%
total assets
64.4m
+0.03%
cash
0
0%
net assets
Total assets minus all liabilities
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vg consumer finance limited company details
company number
13386385
Type
Private limited with Share Capital
industry
64921 - Credit granting by non-deposit taking finance houses and other specialist consumer credit grantors
incorporation date
May 2021
age
4
incorporated
UK
ultimate parent company
LW HOLDINGS LTD
accounts
Full Accounts
last accounts submitted
June 2024
previous names
N/A
accountant
-
auditor
MHA
address
first floor, skyways house, speke road, liverpool, L70 1AB
Bank
-
Legal Advisor
-
vg consumer 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 vg consumer finance limited.
vg consumer 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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vg consumer finance limitedCompanies House Filings - See Documents
