What a buyer sees
ECAPITAL COMMERCIAL FINANCE LIMITED
Factoring · Reading · 04206708
102staff · FY2023
25years trading
—oldest owner on file
£295kcash at bank
Your turnover is on public record
filed£25Mfor the year to 2023
Unusual at this size, and it works in your favour: a buyer is reading your number rather than guessing at one.
What your filings show moving
Staff102
202174 → 1022023
Cash at bank£295k
2021£545k → £295k2023
How you sit in your trade
slowest tenth typical fastest tenth youSales per employee£249,480in the top quarter
£58,281£126,361£389,887
Debtor daysdays1291above almost all
1142221
Creditor daysdays1
835271
Stock daysdaysnot on your filings
637132
Each spread is companies in the same trade and size that did publish a turnover. Creditor days are shown but not marked: neither end of that one is plainly good.
What a buyer would ask 4
- The newest accounts on file are 32 months oldAnyone looking at the company today is reading a year that has already ended. Whatever has improved since is invisible.
- A director resigned in the past yearA buyer will ask why, and will hear the answer from somewhere. Better from you.
- Debtor days run high for your tradeYours is 1,291 against 42 for the middle of 72 comparable companies. That gap is working capital a buyer has to fund on day one, and it comes off the price.
- No website on file against the companyThe first thing anyone does with a company number is look for the business behind it. Finding nothing is its own answer.
What a buyer would like 3
- 25 years of trading on fileLongevity is the cheapest evidence there is that the business is not one contract.
- Headcount grew from 85 to 102Growth a buyer can verify without asking you for anything.
- Sales per employee better than three quarters of your tradeYours is 249,480 against 126,361 for the middle of 109 comparable companies.
What the register says
Owners
Nobody recorded with significant control.
Directors
- 65since 2013
- since 2016
- 50since 2019
- 69since 2020
- 46since 2024
- 52since 2025
- 58since 2026
- 58since 2026
| Year to | Turnover | Staff | Cash |
|---|---|---|---|
| 2023-12-31 | £25M | 102 | £295k |
| 2022-12-31 | £20M | 85 | £168k |
| 2021-12-31 | £17M | 74 | £545k |
A rough bracket, and why it is only that
1.5–4× sales£38M£102M
The turnover range is fitted on UK companies that did file one. The multiple is a published sector average from Dutch mid-market deals, not from your own numbers and not from your own market. Treat this as the opening bracket of a conversation, not a valuation.