Pomanda estimates the enterprise value of KEYS PREMIUM FINANCE LIMITED at £708k based on a Turnover of £895.5k and 0.79x industry multiple (adjusted for size and gross margin).
keys premium finance limitedEstimated Valuation
£0
Pomanda estimates the enterprise value of KEYS PREMIUM FINANCE LIMITED at £0 based on an EBITDA of £-23.2k and a 3.33x industry multiple (adjusted for size and gross margin).
keys premium finance limitedEstimated Valuation
£2.2m
Pomanda estimates the enterprise value of KEYS PREMIUM FINANCE LIMITED at £2.2m based on Net Assets of £1m and 2.07x industry multiple (adjusted for liquidity).
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Keys Premium Finance LimitedOverview
Keys Premium Finance Limited is a live company located in belfast, BT8 7AR with a Companies House number of NI030349. It operates in the financial leasing sector, SIC Code 64910. Founded in January 1996, it's largest shareholder is
owen macauley graham
with a 43% stake. Keys Premium Finance Limited is a mature,
small sized company, Pomanda has estimated its turnover at
£895.5k with
rapid
growth in recent years.
Pomanda's financial health check has awarded Keys Premium Finance Limited a 5 rating. We use a traffic light system to show it exceeds the industry average on 6 measures and has 4 areas for improvement. Company Health Check FAQs
Health Rating5out of 5
6 Strong
1 Regular
4 Weak
Size
annual sales of £895.5k, make it smaller than the average company (£3m)
£895.5k - Keys Premium Finance Limited
£3m - Industry AVG
Growth
3 year (CAGR) sales growth of 40%, show it is growing at a faster rate (4.8%)
40% - Keys Premium Finance Limited
4.8% - Industry AVG
Production
with a gross margin of 16.7%, this company has a higher cost of product (44.8%)
16.7% - Keys Premium Finance Limited
44.8% - Industry AVG
Profitability
an operating margin of -2.6% make it less profitable than the average company (41.1%)
-2.6% - Keys Premium Finance Limited
41.1% - Industry AVG
Employees
with 1 employees, this is below the industry average (12)
1 - Keys Premium Finance Limited
12 - Industry AVG
Pay Structure
on an average salary of £72.3k, the company has an equivalent pay structure (£72.3k)
£72.3k - Keys Premium Finance Limited
£72.3k - Industry AVG
Efficiency
resulting in sales per employee of £895.5k, this is more efficient (£679.3k)
£895.5k - Keys Premium Finance Limited
£679.3k - Industry AVG
Debtor Days
it gets paid by customers after 30 days, this is earlier than average (47 days)
30 days - Keys Premium Finance Limited
47 days - Industry AVG
Creditor Days
its suppliers are paid after 369 days, this is slower than average (29 days)
369 days - Keys Premium Finance Limited
29 days - Industry AVG
Stock Days
There is insufficient data available for this Key Performance Indicator!
- - Keys Premium Finance Limited
- - Industry AVG
Cash Balance
has cash to cover current liabilities
for 8 weeks, this is more cash available to meet short term requirements (3 weeks)
8 weeks - Keys Premium Finance Limited
3 weeks - Industry AVG
Debt Level
it has a ratio of liabilities to total assets of 42%, this is a lower level of debt than the average (96%)
42% - Keys Premium Finance Limited
96% - Industry AVG
KEYS PREMIUM FINANCE LIMITED financials
EXPORT
Keys Premium Finance Limited's latest turnover from May 2024 is estimated at £895.5 thousand and the company has net assets of £1 million. According to their latest financial statements, we estimate that Keys Premium Finance Limited has 1 employee and maintains cash reserves of £118.1 thousand as reported in the balance sheet.
Data source:Companies House, Pomanda Estimates
May 2024
May 2023
May 2022
May 2021
May 2020
May 2019
May 2018
May 2017
May 2016
May 2015
May 2014
May 2013
May 2012
May 2011
May 2010
Turnover
895,494
402,585
340,433
327,730
354,857
441,340
400,862
436,251
367,545
456,722
1,032,940
1,392,182
1,732,781
1,498,925
2,313,777
Other Income Or Grants
Cost Of Sales
746,102
304,802
243,597
280,121
311,804
364,592
339,074
352,274
255,434
335,961
780,317
1,049,844
1,213,622
1,091,898
1,844,777
Gross Profit
149,392
97,783
96,835
47,609
43,052
76,748
61,788
83,977
112,111
120,760
252,623
342,337
519,159
407,027
469,000
Admin Expenses
173,028
75,544
93,883
54,167
28,224
82,931
67,666
84,741
-140,927
118,551
256,389
351,619
476,260
366,977
386,407
Operating Profit
-23,636
22,239
2,952
-6,558
14,828
-6,183
-5,878
-764
253,038
2,209
-3,766
-9,282
42,899
40,050
82,593
Interest Payable
17,388
35,100
34,678
16,965
Interest Receivable
5,449
3,362
575
40
25
201
97
19
11
Pre-Tax Profit
-18,187
25,601
3,527
-6,518
14,853
-5,982
-5,781
-745
253,049
2,209
-3,766
-26,670
7,799
5,373
65,628
Tax
-6,400
-670
-2,822
-50,610
-442
-1,872
-1,397
-18,376
Profit After Tax
-18,187
19,201
2,857
-6,518
12,031
-5,982
-5,781
-745
202,439
1,767
-3,766
-26,670
5,927
3,976
47,252
Dividends Paid
Retained Profit
-18,187
19,201
2,857
-6,518
12,031
-5,982
-5,781
-745
202,439
1,767
-3,766
-26,670
5,927
3,976
47,252
Employee Costs
72,282
67,819
65,450
71,817
69,676
65,143
66,390
64,833
56,942
53,835
115,313
117,496
108,351
107,703
155,401
Number Of Employees
1
1
1
1
1
1
1
1
1
1
2
2
2
2
3
EBITDA*
-23,245
22,728
3,952
-5,697
15,904
-4,838
-4,196
1,338
255,666
3,858
-1,705
-6,706
46,119
43,490
85,608
* Earnings Before Interest, Tax, Depreciation and Amortisation
May 2024
May 2023
May 2022
May 2021
May 2020
May 2019
May 2018
May 2017
May 2016
May 2015
May 2014
May 2013
May 2012
May 2011
May 2010
Tangible Assets
939,565
51,956
52,445
53,445
54,306
55,382
56,727
58,409
60,511
31,596
33,245
60,306
62,882
13,762
12,062
Intangible Assets
Investments & Other
30,098
34,924
34,924
34,924
34,924
34,924
34,924
34,924
34,924
34,924
34,924
92,624
104,480
107,658
106,155
Debtors (Due After 1 year)
Total Fixed Assets
969,663
86,880
87,369
88,369
89,230
90,306
91,651
93,333
95,435
66,520
68,169
152,930
167,362
121,420
118,217
Stock & work in progress
Trade Debtors
74,192
125,826
134,018
135,519
150,208
175,889
155,705
191,533
229,126
348,472
1,024,842
1,879,188
2,165,473
2,302,423
2,421,193
Group Debtors
Misc Debtors
Cash
118,138
89,442
60,000
54,977
24,170
25,263
28,460
10,473
4,439
misc current assets
637,500
637,500
637,500
637,500
637,500
637,500
637,500
611,682
636,682
188,830
145,000
145,000
145,000
total current assets
829,830
852,768
831,518
827,996
811,878
838,652
821,665
839,506
845,247
985,154
1,213,672
2,024,188
2,310,473
2,447,423
2,421,193
total assets
1,799,493
939,648
918,887
916,365
901,108
928,958
913,316
932,839
940,682
1,051,674
1,281,841
2,177,118
2,477,835
2,568,843
2,539,410
Bank overdraft
Bank loan
Trade Creditors
755,384
693,560
692,000
692,335
670,560
710,441
688,817
702,559
709,657
1,023,088
1,255,022
1,521,533
1,885,580
1,972,515
1,970,058
Group/Directors Accounts
other short term finances
hp & lease commitments
other current liabilities
total current liabilities
755,384
693,560
692,000
692,335
670,560
710,441
688,817
702,559
709,657
1,023,088
1,255,022
1,521,533
1,885,580
1,972,515
1,970,058
loans
535,000
545,000
522,000
hp & lease commitments
Accruals and Deferred Income
other liabilities
provisions
total long term liabilities
535,000
545,000
522,000
total liabilities
755,384
693,560
692,000
692,335
670,560
710,441
688,817
702,559
709,657
1,023,088
1,255,022
1,521,533
2,420,580
2,517,515
2,492,058
net assets
1,044,109
246,088
226,887
224,030
230,548
218,517
224,499
230,280
231,025
28,586
26,819
655,585
57,255
51,328
47,352
total shareholders funds
1,044,109
246,088
226,887
224,030
230,548
218,517
224,499
230,280
231,025
28,586
26,819
655,585
57,255
51,328
47,352
May 2024
May 2023
May 2022
May 2021
May 2020
May 2019
May 2018
May 2017
May 2016
May 2015
May 2014
May 2013
May 2012
May 2011
May 2010
Operating Activities
Operating Profit
-23,636
22,239
2,952
-6,558
14,828
-6,183
-5,878
-764
253,038
2,209
-3,766
-9,282
42,899
40,050
82,593
Depreciation
391
489
1,000
861
1,076
1,345
1,682
2,102
2,628
1,649
2,061
2,576
3,220
3,440
3,015
Amortisation
Tax
-6,400
-670
-2,822
-50,610
-442
-1,872
-1,397
-18,376
Stock
Debtors
-51,634
-8,192
-1,501
-14,689
-25,681
20,184
-35,828
-37,593
-119,346
-676,370
-854,346
-286,285
-136,950
-118,770
2,421,193
Creditors
61,824
1,560
-335
21,775
-39,881
21,624
-13,742
-7,098
-313,431
-231,934
-266,511
-364,047
-86,935
2,457
1,970,058
Accruals and Deferred Income
Deferred Taxes & Provisions
Cash flow from operations
90,213
26,080
4,448
30,767
-1,118
-3,398
17,890
31,833
10,971
447,852
586,130
-84,468
94,262
163,320
-383,903
Investing Activities
capital expenditure
-888,000
-31,543
25,000
-52,340
-5,140
-15,077
Change in Investments
-4,826
-57,700
-11,856
-3,178
1,503
106,155
cash flow from investments
-883,174
-31,543
82,700
11,856
-49,162
-6,643
-121,232
Financing Activities
Bank loans
Group/Directors Accounts
Other Short Term Loans
Long term loans
-535,000
-10,000
23,000
522,000
Hire Purchase and Lease Commitments
other long term liabilities
share issue
816,208
-625,000
625,000
100
interest
5,449
3,362
575
40
25
201
97
19
11
-17,388
-35,100
-34,678
-16,965
cash flow from financing
821,657
3,362
575
40
25
201
97
19
11
-625,000
72,612
-45,100
-11,678
505,135
cash and cash equivalents
cash
28,696
29,442
5,023
30,807
-1,093
-3,197
17,987
6,034
4,439
overdraft
change in cash
28,696
29,442
5,023
30,807
-1,093
-3,197
17,987
6,034
4,439
keys premium 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 keys premium finance limited. Get real-time insights into keys premium finance limited's credit score, group structure and payment trends.
Perform a competitor analysis for keys premium finance limited by selecting its closest rivals, whether from the FINANCIAL AND INSURANCE ACTIVITIES sector, other small companies, companies in BT8 area or any other competitors across 12 key performance metrics.
keys premium finance limited Ownership
KEYS PREMIUM FINANCE LIMITED group structure
Keys Premium Finance Limited has 1 subsidiary company.
suite f, first floor, block 1, forestview, belfast, BT8 7AR
Bank
-
Legal Advisor
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keys premium 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 found 4 charges/mortgages relating to keys premium finance limited. Currently there are 0 open charges and 4 have been satisfied in the past.
keys premium 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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keys premium finance limitedCompanies House Filings - See Documents
