spencer finance ltd
spencer finance ltd Company Information
Company Number
13985301
Next Accounts
Oct 2025
Shareholders
ks company no.2 limited
ks company no.1 limited
Group Structure
View All
Industry
Activities of venture and development capital companies
Registered Address
44 spinners hollow, ripponden, sowerby bridge, west yorkshire, HX6 4HY
Website
-spencer finance ltd Estimated Valuation
Pomanda estimates the enterprise value of SPENCER FINANCE LTD at £731k based on a Turnover of £351.8k and 2.08x industry multiple (adjusted for size and gross margin).
spencer finance ltd Estimated Valuation
Pomanda estimates the enterprise value of SPENCER FINANCE LTD at £2m based on an EBITDA of £398.3k and a 4.98x industry multiple (adjusted for size and gross margin).
spencer finance ltd Estimated Valuation
Pomanda estimates the enterprise value of SPENCER FINANCE LTD at £706k based on Net Assets of £598.8k and 1.18x industry multiple (adjusted for liquidity).
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Spencer Finance Ltd Overview
Spencer Finance Ltd is a live company located in sowerby bridge, HX6 4HY with a Companies House number of 13985301. It operates in the activities of venture and development capital companies sector, SIC Code 64303. Founded in March 2022, it's largest shareholder is ks company no.2 limited with a 50% stake. Spencer Finance Ltd is a startup, micro sized company, Pomanda has estimated its turnover at £351.8k with unknown growth in recent years.
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Spencer Finance Ltd Health Check
Pomanda's financial health check has awarded Spencer Finance Ltd a 2 rating. We use a traffic light system to show it exceeds the industry average on 1 measures and has 4 areas for improvement. Company Health Check FAQs
1 Strong
3 Regular
4 Weak
Size
annual sales of £351.8k, make it smaller than the average company (£1.8m)
- Spencer Finance Ltd
£1.8m - Industry AVG
Growth
There is insufficient data available for this Key Performance Indicator!
- Spencer Finance Ltd
- - Industry AVG
Production
with a gross margin of 71.2%, this company has a comparable cost of product (71.2%)
- Spencer Finance Ltd
71.2% - Industry AVG
Profitability
an operating margin of 113.2% make it more profitable than the average company (0.1%)
- Spencer Finance Ltd
0.1% - Industry AVG
Employees
with 2 employees, this is below the industry average (13)
2 - Spencer Finance Ltd
13 - Industry AVG
Pay Structure
on an average salary of £77.2k, the company has an equivalent pay structure (£77.2k)
- Spencer Finance Ltd
£77.2k - Industry AVG
Efficiency
resulting in sales per employee of £175.9k, this is equally as efficient (£175.9k)
- Spencer Finance Ltd
£175.9k - Industry AVG
Debtor Days
There is insufficient data available for this Key Performance Indicator!
- Spencer Finance Ltd
- - Industry AVG
Creditor Days
There is insufficient data available for this Key Performance Indicator!
- Spencer Finance Ltd
- - Industry AVG
Stock Days
There is insufficient data available for this Key Performance Indicator!
- Spencer Finance Ltd
- - Industry AVG
Cash Balance
has cash to cover current liabilities for 0 weeks, this is less cash available to meet short term requirements (42 weeks)
0 weeks - Spencer Finance Ltd
42 weeks - Industry AVG
Debt Level
it has a ratio of liabilities to total assets of 83.4%, this is a higher level of debt than the average (52.3%)
83.4% - Spencer Finance Ltd
52.3% - Industry AVG
SPENCER FINANCE LTD financials
Spencer Finance Ltd's latest turnover from January 2024 is estimated at £351.8 thousand and the company has net assets of £598.8 thousand. According to their latest financial statements, Spencer Finance Ltd has 2 employees and maintains cash reserves of £180 as reported in the balance sheet.
Data source: Companies House, Pomanda Estimates
| Jan 2024 | Jan 2023 | |
|---|---|---|
| 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 | 1 |
| EBITDA* |
* Earnings Before Interest, Tax, Depreciation and Amortisation
| Jan 2024 | Jan 2023 | |
|---|---|---|
| Tangible Assets | 0 | 0 |
| Intangible Assets | 0 | 0 |
| Investments & Other | 3,611,308 | 3,611,308 |
| Debtors (Due After 1 year) | 0 | 0 |
| Total Fixed Assets | 3,611,308 | 3,611,308 |
| Stock & work in progress | 0 | 0 |
| Trade Debtors | 0 | 0 |
| Group Debtors | 0 | 0 |
| Misc Debtors | 100 | 100 |
| Cash | 180 | 420 |
| misc current assets | 0 | 0 |
| total current assets | 280 | 520 |
| total assets | 3,611,588 | 3,611,828 |
| Bank overdraft | 0 | 0 |
| Bank loan | 0 | 0 |
| Trade Creditors | 0 | 0 |
| Group/Directors Accounts | 18,470 | 18,470 |
| other short term finances | 0 | 0 |
| hp & lease commitments | 0 | 0 |
| other current liabilities | 2,994,338 | 3,293,338 |
| total current liabilities | 3,012,808 | 3,311,808 |
| loans | 0 | 0 |
| hp & lease commitments | 0 | 0 |
| Accruals and Deferred Income | 0 | 0 |
| other liabilities | 0 | 0 |
| provisions | 0 | 0 |
| total long term liabilities | 0 | 0 |
| total liabilities | 3,012,808 | 3,311,808 |
| net assets | 598,780 | 300,020 |
| total shareholders funds | 598,780 | 300,020 |
| Jan 2024 | Jan 2023 | |
|---|---|---|
| Operating Activities | ||
| Operating Profit | ||
| Depreciation | 0 | 0 |
| Amortisation | 0 | 0 |
| Tax | ||
| Stock | 0 | 0 |
| Debtors | 0 | 100 |
| Creditors | 0 | 0 |
| Accruals and Deferred Income | -299,000 | 3,293,338 |
| Deferred Taxes & Provisions | 0 | 0 |
| Cash flow from operations | ||
| Investing Activities | ||
| capital expenditure | ||
| Change in Investments | 0 | 3,611,308 |
| cash flow from investments | ||
| Financing Activities | ||
| Bank loans | 0 | 0 |
| Group/Directors Accounts | 0 | 18,470 |
| Other Short Term Loans | 0 | 0 |
| Long term loans | 0 | 0 |
| Hire Purchase and Lease Commitments | 0 | 0 |
| other long term liabilities | 0 | 0 |
| share issue | ||
| interest | ||
| cash flow from financing | ||
| cash and cash equivalents | ||
| cash | -240 | 420 |
| overdraft | 0 | 0 |
| change in cash | -240 | 420 |
spencer finance ltd Credit Report and Business Information
Spencer Finance Ltd Competitor Analysis
Perform a competitor analysis for spencer finance ltd by selecting its closest rivals, whether from the FINANCIAL AND INSURANCE ACTIVITIES sector, other micro companies, companies in HX6 area or any other competitors across 12 key performance metrics.
spencer finance ltd Ownership
SPENCER FINANCE LTD group structure
Spencer Finance Ltd has no subsidiary companies.
Ultimate parent company
SPENCER FINANCE LTD
13985301
spencer finance ltd directors
Spencer Finance Ltd currently has 2 directors. The longest serving directors include Mr Robert Rowell (Mar 2022) and Mr Alexander Munro (Mar 2023).
| officer | country | age | start | end | role |
|---|---|---|---|---|---|
| Mr Robert Rowell | England | 66 years | Mar 2022 | - | Director |
| Mr Alexander Munro | 58 years | Mar 2023 | - | Director |
P&L
January 2024turnover
351.8k
+90%
operating profit
398.3k
0%
gross margin
71.2%
-6.83%
turnover
Turnover, or revenue, is the amount of sales generated by a company within the financial year.
Balance Sheet
January 2024net assets
598.8k
+1%
total assets
3.6m
0%
cash
180
-0.57%
net assets
Total assets minus all liabilities
Similar Companies
spencer finance ltd company details
company number
13985301
Type
Private limited with Share Capital
industry
64303 - Activities of venture and development capital companies
incorporation date
March 2022
age
3
incorporated
UK
ultimate parent company
accounts
Total Exemption Full
last accounts submitted
January 2024
previous names
N/A
accountant
-
auditor
-
address
44 spinners hollow, ripponden, sowerby bridge, west yorkshire, HX6 4HY
Bank
-
Legal Advisor
-
spencer finance 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 spencer finance ltd.
spencer finance 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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spencer finance ltd Companies House Filings - See Documents
| date | description | view/download |
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