NEWDAY CARDS LTD

7 HANDYSIDE STREET, LONDON, N1C 4DA

Previous name: SAV CREDIT LIMITED (changed on 01-Apr-2014)

Company Number: 04134880
Incorporation date: 03-Jan-2001
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 23.6 years old and is currently active. It is controlled by Newday Intermediate Holdings Limited. The company has positive equity (net assets) of GBP 84 million which has increased from GBP 80.9 million in the previous year. The latest reported revenue figure is GBP 310.1 million which is up 20% on previous year's figure of GBP 259.1 million. The company has 2 active officers (directors or partners) who are or were officers of 17 other companies, 2 (11.8%) 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 3 court cases involving the company that we are aware of.


FINANCIALS (BETA)

Next accounts due: 30-Sep-2024
Accounts Filed: FULL (31-Dec-2022)


P&L Financials:
Year end Currency Revenue Operating profit Interest Received Interest Paid Tax Net Profit GBP
05-Mar-2020 GBP 310,100,000 70,500,000 9,900,000 60,900,000
12-Mar-2019 GBP 259,100,000 33,900,000 7,800,000 26,200,000
31-Dec-2017 GBP 252,400,000 57,200,000 -10,000,000
31-Dec-2016 GBP 177,119,000 -2,247,000 -4,497,000
31-Dec-2015 GBP 150,954,000 1,745,000 1,538,000
31-Dec-2014 GBP 179,479,000 8,427,000
31-Dec-2013 GBP 105,696,264 -2,702,902 122,354 270,549 -104,258
31-Dec-2012 GBP 63,799,956 -1,329,859 5,976,388 5,157,584 -1,844,740 -11,427,774
31-Dec-2011 GBP 97,058,727 51,776,909 281,957 21,068,057 298,875 31,289,684


Balance Sheet Financials:
Year end Currency Cash Current Assets Current Liabilities Debt Share Capital Premium Reserve Retained Earnings Net Assets
05-Mar-2020 GBP 3,300,000 11,100,000 46,900,000 84,000,000
12-Mar-2019 GBP 3,300,000 11,100,000 43,800,000 80,900,000
31-Dec-2017 GBP 3,300,000 11,100,000 17,600,000 54,700,000
31-Dec-2016 GBP 71,135,000 70,723,000 3,340,000 11,096,000 -10,964,000 26,171,000
31-Dec-2015 GBP 46,052,000 130,000 3,340,000 11,096,000 -6,467,000 17,380,000
31-Dec-2014 GBP 63,496,000 55,490,000 3,340,000 11,096,000 -8,005,000 15,842,000
31-Dec-2013 GBP 23,408,531 82,424,814 3,340,071 11,095,612 -15,840,242 8,006,767
31-Dec-2012 GBP 13,592,463 37,440,893 29,362,723 3,340,071 11,095,612 -12,884,887 10,962,121
31-Dec-2011 GBP 12,719,373 178,398,731 103,443,126 3,340,071 75,589,034 -1,457,113 77,471,992

VALUATION EVENTS (BETA)

Year end Currency % Equity Sum raised Pre-Money Valuation* Post-Money Valuation* Enterprise Value**
31-Dec-2017 GBP -1.21% -36,000 3,006,000 2,970,000 2,988,000
31-Dec-2014 GBP 0.00% 317 -14,912,711 -14,912,394 -26,616,818
* 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 Stuart WHITTY-LEWIS 01 Jan 2024 21 Jul 2024 1 - 0
Resigned Stephen Alexander ROWLAND 01 Mar 2011 01 Mar 2011 0 - 1
Resigned Stephen Alexander ROWLAND 01 Mar 2011 22 Dec 2023 0 - 1
Resigned Michael Leslie SAYS 20 Jan 2009 01 Mar 2011 1 - 16
Resigned Adam GREAVES 12 Apr 2001 24 Nov 2008 Solicitor British 0 - 5
Resigned Jonathan Adam Charles Stuttard GREAVES 06 Apr 2001 12 Apr 2001 British 0 - 1
Resigned Virginia LANGSTAFF 09 Jan 2001 12 Apr 2001 Company Director British 0 - 2
Resigned James Edward Ian GOOLD 03 Jan 2001 09 Jan 2001 British 0 - 2

DIRECTORS


Status Name Appointed on Resigned on Occupation Nationality All appointments
(active/resigned)
Dissolved companies
(rate)
Active John Patrick HOURICAN 16 Oct 2019 Ceo Irish 15 - 33 (16.7%)
Active Paul Nigel SHERIFF 15 Mar 2016 Chief Financial Officer British 8 - 22 (20.0%)
Resigned Douglas John RICHARDS 29 Apr 2013 15 Mar 2016 Chief Financial Officer British 0 - 82 (25.0%)
Resigned Michael Leslie SAYS 09 Nov 2011 29 Apr 2013 Finance Director United Kingdom 1 - 165 (29.4%)
Resigned George Malcolm WILLIAMSON 08 Jun 2010 03 Nov 2011 Banking British 0 - 20 (0.0%)
Resigned Erik Mikael FERM 24 Mar 2010 03 Nov 2011 Partner Swedish 0 - 81 (12.5%)
Resigned James Bernard CORCORAN 20 Jan 2009 16 Oct 2019 Chief Executive Officer British,Irish 5 - 264 (12.9%)
Resigned John Leonard, Lord EATWELL 11 Sep 2007 03 Nov 2011 Professor Of Financial Policy British 0 - 274 (14.8%)
Resigned David Warwick SYMONDSON 14 Mar 2006 03 Nov 2011 Accountant British 3 - 2610 (34.5%)
Resigned John CREWE 07 Aug 2002 03 Nov 2011 Consultant British 1 - 81 (11.1%)
Resigned Daan KNOTTENBELT 12 Apr 2002 03 Nov 2011 Venture Capitalist Dutch 0 - 53 (60.0%)
Resigned Andrew Peter HAWKINS 12 Apr 2002 14 Mar 2006 Venture Capitalist British 0 - 10 (0.0%)
Resigned Louis Goodman ELSON 12 Apr 2002 24 Mar 2010 Venture Capitalist American 0 - 3012 (40.0%)
Resigned Gavin Alexander Fraser LICKLEY 05 Jul 2001 24 Oct 2005 Director British 1 - 3923 (57.5%)
Resigned Neville Joel KATZ 05 Apr 2001 06 Feb 2007 Chief Financial Officer Australian 0 - 10 (0.0%)
Resigned Nigel Douglas PILKINGTON 05 Apr 2001 14 Mar 2006 Investment Advisor British 0 - 156 (40.0%)
Resigned Richard Terrell LANGSTAFF 03 Jan 2001 03 Nov 2011 Company Director British 1 - 2210 (43.5%)
Number of active directors: 2
Average tenure of active directors: 6.6 years
Average tenure of resigned directors: 5.6 years
Average active director Dissolution Rate: 18.3%

DIRECTOR APPOINTMENTS IN OTHER COMPANIES

Name
 
NEWDAY CARDS LTD (04134880) - Active
NEWDAY RESERVE FUNDING LTD (06305245) - Active
NEWDAY LTD (07297722) - Active
NEWDAY INTERMEDIATE HOLDINGS LIMITED (07753556) - Active
NEWDAY HOLDINGS LTD (07795882) - Active
NEWDAY FUNDING TRANSFEROR LTD (08206590) - Active
NEWDAY PARTNERSHIP TRANSFEROR PLC (08331325) - Active
PROGRESSIVE CREDIT LIMITED (08796577) - Active - Proposal to Strike off
SAV CREDIT LIMITED (08812286) - Active - Proposal to Strike off
NEWDAY TECHNOLOGY LTD (08812602) - Active
NEWDAY LOYALTY LIMITED (08818968) - Active
UK FINANCE LIMITED (10250295) - Active
NEWDAY UPL TRANSFEROR LTD (10375517) - Active - Proposal to Strike off
NEWDAY GROUP UK LIMITED (10438970) - Active
NEWDAY UK LIMITED (10440054) - Active
NEWDAY BONDCO PLC (10466251) - Active
NEWDAY PARTNERSHIP TERTIARY FUNDING LTD (11549518) - Active
NEWDAY GROUP PLC (13665450) - Active

SHAREHOLDERS (BETA)

Shareholder name Share class Shares at confirmation date
2016-01-032015-01-032014-01-032013-01-03
NEWDAY GROUP LTDORDINARY33,400,695
100%
33,400,695
100%
0
0%
0
0%
INVICTA CARD SERVICES LIMITEDORDINARY0
0%
0
0%
33,400,695
100%
33,400,695
100%

SHAREHOLDINGS (BETA)

Company name Share class Shares at confimation date
2016-06-282015-12-182015-07-062015-06-282014-12-18
NEWDAY CARDS LTDORDINARY1,166,933
100%
1
100%
2
100%
1,166,933
100%
1
100%

CONTROLLED COMPANIES / CONTROLLING ENTITIES



Controlling entities above

NEWDAY CARDS LTD

Controlled companies below

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
2023-07-01 2023-12-31 27 1% 14% 79120
2023-01-01 2023-06-30 26 1% 14% 73164
2022-07-01 2022-12-31 25 1% 16% 66782
2022-01-01 2022-06-30 26 1% 18% 59945
2021-07-01 2021-12-31 26 2% 16% 53367
2021-01-01 2021-06-30 27 1% 13% 46615
2020-07-01 2020-12-31 26 1% 14% 39295
2020-01-01 2020-06-30 28 1% 15% 32399
2019-07-01 2019-12-31 32 1% 9% 25446
2019-01-01 2019-06-30 33 3% 17% 17302
2018-07-01 2018-12-31 32 2% 16% 9721
2018-01-01 2018-06-30 32 3% 17% 2504


COURT CASES


Date Title Reference Subject
2019-10-04 Mr M Sharpe v New Day Cards Ltd [2019] UKET 1810878/2018 Breach of Contract
2019-02-07 Mr M Gabbitas v Newday Cards Ltd [2019] UKET 1809985/2018 Disability Discrimination
2018-07-27 Ms S Butt v Newday Cards Ltd, Philomena Quinn [2018] UKET 1804940/2018 Sex Discrimination

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
NEWDAY CARDS LTD 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% 2.4% 5.5% Medium
Sic code count 0.7% 3.5% 7.0% Medium
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