ADVANTAGE FINANCE LIMITED

2 STRATFORD COURT C/O S&U PLC CRANMORE BOULEVARD, SHIRLEY, SOLIHULL, B90 4QT

Company Number: 03773673
Incorporation date: 14-May-1999
Status: Active
Entity type: Private Limited Company

SIC codes:
64921 Credit granting by non-deposit taking finance houses and other specialist consumer credit grantors





SUMMARY

This company is 24.9 years old and is currently active. It is controlled by S & U Plc. The company has positive equity (net assets) of GBP 104.9 million which has increased from GBP 89.9 million in the previous year. The latest reported revenue figure is GBP 85.5 million which is similar to the previous year's figure of GBP 86.4 million. The company has 14 active officers (directors or partners) who are or were officers of 51 other companies, 20 (39.2%) of which have since been dissolved or are proposed for strike off. The company has no public disputes filed on the Business Disputes Register. There are no court cases involving the company that we are aware of.


FINANCIALS (BETA)

Next accounts due: 31-Oct-2024
Accounts Filed: FULL (31-Jan-2023)


P&L Financials:
Year end Currency Revenue Operating profit Interest Received Interest Paid Tax Net Profit GBP
31-Jan-2020 GBP 85,466,000 40,624,000 6,597,000 6,030,000 27,997,000
31-Jan-2019 GBP 86,372,000 40,180,000 6,539,000 6,379,000 27,262,000
31-Jan-2018 GBP 78,882,000 35,518,000 5,307,000 5,753,000 24,458,000
31-Jan-2017 GBP 60,521,000 29,516,000 4,330,000 5,012,000 20,174,000
31-Jan-2016 GBP 45,182,000 23,643,000 3,243,000 4,080,000 16,320,000
31-Jan-2015 GBP 36,102,000 18,922,000 2,207,000 13,271,000
31-Jan-2013 GBP 20,801,000 8,925,000 845,000 6,153,000
31-Jan-2012 GBP 17,782,000 6,598,000 692,000 4,345,000
31-Jan-2011 GBP 16,049,000 5,370,000 1,143,000 3,043,000


Balance Sheet Financials:
Year end Currency Cash Current Assets Current Liabilities Debt Share Capital Premium Reserve Retained Earnings Net Assets
31-Jan-2020 GBP 86,388,000 6,834,000 1,000 104,939,000 104,940,000
31-Jan-2019 GBP 77,460,000 6,039,000 1,000 89,924,000 89,925,000
31-Jan-2018 GBP 73,192,000 7,903,000 75,568,000 75,569,000
31-Jan-2017 GBP 3,000 57,536,000 22,260,000 1,000 59,072,000 59,073,000
31-Jan-2016 GBP 43,491,000 8,252,000 1,000 44,677,000 44,678,000
31-Jan-2015 GBP 651,000 33,538,000 5,253,000 1,000 32,723,000 32,724,000
31-Jan-2013 GBP 18,324,000 1,000 15,974,000 15,975,000
31-Jan-2012 GBP 15,257,000 1,000 11,776,000 11,777,000
31-Jan-2011 GBP 14,560,000 1,000 8,943,000 8,944,000

VALUATION EVENTS (BETA)

Year end Currency % Equity Sum raised Pre-Money Valuation* Post-Money Valuation* Enterprise Value**
31-Jan-2019 GBP 100.00% 1,000 0 1,000 -38,729,500
31-Jan-2018 GBP inf% -1,000 1,000 0 -1,000
* Average valuation during the period
** Estimated based on average Cash and Debt levels during period

DISPUTES

No disputes filed on www.disputesregister.org

COMPANY SECRETARY


Status Name Appointed on Resigned on Occupation Nationality All apointments
(active/resigned)
Active Christopher Hugh REDFORD 01 Mar 2004 29 Mar 2024 British 10 - 34
Resigned Edward David MAIDEN 14 May 1999 01 Mar 2004 0 - 20

DIRECTORS


Status Name Appointed on Resigned on Occupation Nationality All appointments
(active/resigned)
Dissolved companies
(rate)
Active Lynn DOWNING 17 Jan 2023 Hr Director English 1 - 00 (0.0%)
Active John Antony DOWNING 06 May 2020 Compliance Director British 1 - 00 (0.0%)
Resigned Thomas Graham WHEELER 01 Oct 2019 31 Jan 2024 Chief Executive British 1 - 40 (0.0%)
Active Graham WHEELER 01 Oct 2019 Chief Executive British 1 - 10 (0.0%)
Active David William VESSEY 06 Feb 2019 Accountant English 1 - 00 (0.0%)
Resigned Wayne Richard TAYLOR 06 Feb 2019 17 Mar 2023 Director Of Analytics British 0 - 10 (0.0%)
Active Nicholas David GREENSIDES 06 Feb 2019 It Operations Director British 1 - 00 (0.0%)
Active David SANDIFORD 06 Feb 2017 Director English 1 - 00 (0.0%)
Active Michael WALKER 01 Dec 2015 It British 1 - 00 (0.0%)
Active Shaun WILKINSON 29 Feb 2012 Director British 1 - 00 (0.0%)
Active James MURDOCH 01 Feb 2007 Director British 1 - 11 (50.0%)
Active Beverley Ann BURTON 05 Oct 2006 Company Director British 1 - 00 (0.0%)
Active Alan TUPLIN 05 Oct 2006 Director British 1 - 00 (0.0%)
Resigned Helen April WILKINSON 01 Dec 2005 01 May 2018 Director British 0 - 10 (0.0%)
Active Keith James CHARLTON 09 Apr 2002 Director British 2 - 00 (0.0%)
Active Christopher Hugh REDFORD 21 Jan 2000 Director British 10 - 3423 (52.3%)
Resigned RUTLAND SECRETARIES LIMITED 14 May 1999 14 May 1999 0 - 386141 (36.5%)
Resigned RUTLAND DIRECTORS LIMITED 14 May 1999 14 May 1999 0 - 441152 (34.5%)
Active Graham Derek Clifford COOMBS 14 May 1999 Company Director British 11 - 2310 (29.4%)
Resigned Martin Graham SIZER 14 May 1999 01 Mar 2008 Company Director British 0 - 20 (0.0%)
Resigned John Guy THOMPSON 14 May 1999 31 Jan 2020 Company Director British 0 - 62 (33.3%)
Resigned Derek Michael COOMBS 14 May 1999 16 May 2008 Company Director British 1 - 4332 (72.7%)
Resigned Robert Eric John FISHER 14 May 1999 14 Feb 2002 Company Director British 0 - 2413 (54.2%)
Active Anthony Michael Vincent COOMBS 14 May 1999 Company Director British 6 - 3020 (55.6%)
Number of active directors: 15
Average tenure of active directors: 13.0 years
Average tenure of resigned directors: 6.9 years
Average active director Dissolution Rate: 12.5%

DIRECTOR APPOINTMENTS IN OTHER COMPANIES

Name
 
WILSON TUPHOLME LIMITED (00101451) - Active
A.E.HOLT(LEICESTER)LIMITED (00207302) - Active
E.C. CLOTHES LIMITED (00268965) - Active
LEONARD HUGHES (SUPPLIES) LIMITED (00283330) - Active - Proposal to Strike off
S.& U.MAIL ORDER HOLDINGS LIMITED (00294042) - Dissolved
S & U PLC (00342025) - Active
TWEEDIES SPORTS CENTRES LIMITED (00411082) - Dissolved
GEORGE KIRKHAM LIMITED (00414823) - Dissolved
S & U STORES LIMITED (00448884) - Active
SARTORIAL SHOPS LIMITED (00491502) - Active - Proposal to Strike off
M.APPLETON & CO.LIMITED. (00519128) - Dissolved
GREENDALE REGISTER LIMITED (00524745) - Dissolved
LEONARD HUGHES LIMITED (00548196) - Active - Proposal to Strike off
S.D. TAYLOR LIMITED (00550055) - In Administration
ANNETTE (WOLVERHAMPTON) LIMITED (00569551) - Dissolved
GREENBANK WAREHOUSES LIMITED (00663341) - Dissolved
DEEPDALE MANUFACTURING COMPANY (PRESTON) LIMITED (00664764) - Dissolved
GREVAYNE PROPERTIES LIMITED (01039126) - Active
SCHOOLS OUTREACH LIMITED (01144035) - Dissolved
INDEPENDENT PRIMARY AND SECONDARY EDUCATION TRUST LIMITED (01523990) - Active
FOUNDATION FOR CONDUCTIVE EDUCATION(THE) (02083754) - Active
BEN-MOTOR AND ALLIED TRADES BENEVOLENT FUND (02163894) - Active
ACORN BUSINESS CENTRES (GRIMSBY) LIMITED (02447104) - Active
SWALLOW COTTAGES MANAGEMENT COMPANY LIMITED (03140120) - Active
WILLOW COTTAGES MANAGEMENT COMPANY LIMITED (03397709) - Active
CUBANA (WATERLOO) LTD (03471137) - Active
ADVANTAGE FINANCE LIMITED (03773673) - Active
ADVANTAGE MOTOR FINANCE LIMITED (03773678) - Active
DYNAMIS LIMITED (03788210) - Active
GREVAYNE PROPERTIES (ABBEY END) LIMITED (03956873) - Active
SHELLY MEWS MANAGEMENT LIMITED (03989977) - Active
APPROVED FINANCE LTD (04071344) - Dissolved
BROADOAK PROPERTY INVESTMENTS LIMITED (04414361) - Dissolved
GREVAYNE PROPERTIES (KINGS HEATH) LTD (04444466) - Dissolved
BROADOAKS MANAGEMENT COMPANY (SOLIHULL) LIMITED (05206690) - Active
GREVAYNE PROPERTIES (DEVELOPMENTS) LIMITED (05255899) - Dissolved
GREVAYNE PROPERTIES (HOLDINGS) LIMITED (05272740) - Dissolved
COMMUNITAS FINANCE LIMITED (05344125) - Active
CLANCROFT PROPERTIES LTD (05394827) - Dissolved
CUBANA (UK) LIMITED (05661093) - Active
KATHERINE PLACE MANAGEMENT COMPANY LIMITED (05826908) - Active
CHARLOTTE GARDENS MANAGEMENT COMPANY LIMITED (05826913) - Active
CLOPTON GATE MANAGEMENT COMPANY LIMITED (05827015) - Active
DE MONTFORT SQUARE MANAGEMENT COMPANY LTD (06417092) - Active
ADVANTAGE ASSET FINANCE LTD (06691598) - Active
ADVANTAGE4U LTD (06691669) - Active
ELMSTONE DEVELOPMENTS LIMITED (06697571) - Dissolved
MAYPOLE HOTEL LIMITED (08276095) - Active
ENGLEFIELD GREEN LIMITED (08276157) - Dissolved
CASH KANGAROO LIMITED (08435795) - Active
ASPEN BRIDGING LIMITED (10270026) - Active
SANDHILLS PROPERTIES LIMITED (13480419) - Active

SHAREHOLDERS (BETA)

Shareholder name Share class Shares at confirmation date
2016-05-142015-05-142014-05-142013-05-142012-05-14
S & UPLCORDINARY1,000
100%
1,000
100%
1,000
100%
1,000
100%
1,000
100%

SHAREHOLDINGS (BETA)

no shareholding data

CONTROLLED COMPANIES / CONTROLLING ENTITIES


    • >75%:S & U Plc (342025 - United Kingdom) active

    Controlling entities above

    ADVANTAGE FINANCE LIMITED

    no controlled companies

    LATE PAYMENTS REPORT


    Start date End date Average days to pay % invoices paid over 60 days % invoices not paid within agreed terms Gov.uk report
    2022-02-01 2022-07-31 13 1% 0% 62936
    2021-08-01 2022-01-31 13 1% 0% 56164
    2021-02-01 2021-07-31 14 2% 0% 49552
    2020-08-01 2021-01-31 14 0% 0% 42778
    2020-02-01 2020-07-31 16 1% 0% 35994
    2019-08-01 2020-01-31 13 0% 0% 29016
    2019-02-01 2019-07-31 14 1% 0% 21194
    2018-08-01 2019-01-31 13 1% 0% 13733
    2018-02-01 2018-07-31 13 1% 0% 7190


    COURT CASES


    No Court Cases found

    PATENTS


    No Patents found

    COMPETITORS

    (Based on Sic code: 64921 Credit granting by non-deposit taking finance houses and other specialist consumer credit grantors)

    Company Registered Address Company Number YE Date Revenue GBP Net Profit GBP Other SIC codes
    BMW FINANCIAL SERVICES (GB) LIMITED SUMMIT ONE, SUMMIT AVENUE, FARNBOROUGH, ENGLAND, GU14 0FB 01288537 2017-12-31 870,090,000 231,774,000
    CAPITAL ONE (EUROPE) PLC TRENT HOUSE, STATION STREET, NOTTINGHAM, NG2 3HX 03879023 2017-12-31 566,574,000 166,706,000
    PARAGON BANKING GROUP PLC 51 HOMER ROAD, SOLIHULL, WEST MIDLANDS, UNITED KINGDOM, B91 3QJ 02336032 2018-09-30 451,900,000 145,800,000
    PROVIDENT PERSONAL CREDIT LIMITED NO. 1, GODWIN STREET, BRADFORD, WEST YORKSHIRE, BD1 2SU 00146091 2018-12-31 339,900,000 -81,800,000
    NEWDAY CARDS LTD 7 HANDYSIDE STREET, LONDON, ENGLAND, N1C 4DA 04134880 2018-12-31 259,100,000 26,200,000
    RCI FINANCIAL SERVICES LIMITED RIVERS OFFICE PARK DENHAM WAY, MAPLE CROSS, RICKMANSWORTH, ENGLAND, WD3 9YS 03302462 2017-12-31 234,871,000 35,078,000
    AMIGO LOANS LTD UNIT 11A,, THE AVENUE CENTRE, BOURNEMOUTH, ENGLAND, BH2 5RP 04841153 2018-03-31 210,600,000 72,200,000
    ARROW GLOBAL LIMITED BELVEDERE, 12 BOOTH STREET, MANCHESTER, UNITED KINGDOM, M2 4AW 05606545 2017-12-31 153,292,000 2,254,000
    CREATION CONSUMER FINANCE LIMITED WELLINGTON BUILDINGS 6TH FLOOR, WELLINGTON BUILDINGS, 2 - 4 WELLINGTON STREET, BELFAST, NORTHERN IRELAND, BT1 6HT NI032565 2017-12-31 127,785,000 29,541,000
    HOME RETAIL GROUP CARD SERVICES LIMITED 33 HOLBORN, LONDON, ENGLAND, EC1N 2HT 04007072 2018-02-28 127,117,000 9,734,000
    PREMIUM CREDIT LIMITED ERMYN HOUSE, ERMYN WAY, LEATHERHEAD, ENGLAND, KT22 8UX 02015200 2017-12-31 119,133,000 43,946,000
    CREATION FINANCIAL SERVICES LIMITED CHADWICK HOUSE, BLENHEIM COURT, SOLIHULL, WEST MIDLANDS, B91 2AA 01091883 2017-12-31 86,676,000 28,024,000
    ADVANTAGE FINANCE LIMITED 2 STRATFORD COURT C/O S&U PLC CRANMORE BOULEVARD, SHIRLEY, SOLIHULL, ENGLAND, B90 4QT 03773673 2018-01-31 78,882,000 24,458,000
    S.D. TAYLOR LIMITED 11TH FLOOR LANDMARK ST PETER'S SQUARE, 1 OXFORD ST, MANCHESTER, M1 4PB 00550055 2017-12-31 50,741,000 1,513,000
    WELLS FARGO CAPITAL FINANCE (UK) LIMITED 33 KING WILLIAM STREET, LONDON, UNITED KINGDOM, EC4R 9AT 02656007 2017-12-31 48,978,000 20,394,000
    BLEMAIN FINANCE LIMITED LAKE VIEW, LAKESIDE, CHEADLE, CHESHIRE, SK8 3GW 01185052 2018-06-30 47,500,000 8,800,000
    FIRST RESPONSE FINANCE LIMITED 5 REGAN WAY, CHETWYND BUSINESS PARK, CHILWELL, NOTTINGHAM, NOTTINGHAMSHIRE, UNITED KINGDOM 03560611 2018-03-31 41,023,376 11,684,534
    THE CAR FINANCE COMPANY (2007) LTD THE OLD TOWN HALL, 71 CHRISTCHURCH ROAD, RINGWOOD, BH24 1DH 06060536 2018-06-30 21,835,000 -16,791,000
    OAKMORE INVESTMENTS LIMITED 98 LIVERPOOL ROAD, FORMBY, LIVERPOOL, ENGLAND, L37 6BS 10321045 2017-12-31 20,334,041 0
    MUTUAL CLOTHING & SUPPLY COMPANY LIMITED 39/43 BEDFORD STREET SOUTH, LEICESTER, LE1 3JN 00181701 2017-12-31 19,464,000 965,000
    PARAGON FINANCE PLC 51 HOMER ROAD, SOLIHULL, WEST MIDLANDS, B91 3QJ 01917566 2018-09-30 13,244,000 12,255,000
    PARTNERSHIP HOME LOANS LIMITED ENTERPRISE HOUSE, BANCROFT ROAD, REIGATE, SURREY, ENGLAND, RH2 7RP 05108846 2017-12-31 118,339 -447,895
    CLB GLOBAL GROUP LTD 21 THE GATEWAY, WATFORD, HERTFORDSHIRE, WD18 7HW 07011241 2018-12-31 60,083 0
    ROBIN OF HEATHFIELD LIMITED ELDERBURY HOUSE, HOWARDS THICKET, GERRARDS CROSS, BUCKINGHAMSHIRE, SL9 7NU 09245948 2018-09-30 18,417 0
    RAVSPEED LTD 12 VICTORIA BUNGALOWS, MAIDSTONE ROAD, SIDCUP, ENGLAND, DA14 5BB 09442820 2018-03-31 14,489 0
    REVLINK LIMITED UNIT 53 CARIOCCA BUSINESS PARK 2 HELLIDON CLOSE, ARDWICK, MANCHESTER, ENGLAND, M12 4AH 07209905 2018-03-31 800 0 68209-Other letting and operating of own or leased real estate
    70210-Public relations and communications activities
    70229-Management consultancy activities other than financial management
    GLF LIMITED 7 PORCHESTER PLACE, LONDON, ENGLAND, W2 2BS 06758130 2017-12-31 0 0
    ARROW GLOBAL INVESTMENTS HOLDINGS LIMITED BELVEDERE, 12 BOOTH STREET, MANCHESTER, UNITED KINGDOM, M2 4AW 06568603 0000-00-00 0 0
    INTERNATIONAL PERSONAL FINANCE PLC 26 WHITEHALL ROAD, LEEDS, UNITED KINGDOM, LS12 1BE 06018973 0000-00-00 0 0

    LIQUIDATION RISK (BETA)



    This company is Active. Statistically, Active companies have a low probability of being liquidated within a year.
    Here are our probability predictions:
    Basis Liquidation within 3 months Liquidation within 6 months Liquidation within 12 months Prediction confidence
    ADVANTAGE FINANCE LIMITED 0.7% 3.6% 7.1% Medium
    Other companies Active in the same sector 0.5% 3.3% 9.3% Medium
    Age 0.3% 1.3% 2.4% Medium
    Company Type 0.7% 3.7% 7.4% Medium
    Accounts category 0.7% 2.2% 3.8% Medium
    Accounting Month 0.6% 2.2% 6.7% Medium
    Sic code count 0.7% 3.5% 7.0% Medium
    Do you have a dispute with a business?
    Make it public