PDL Finance Limited
Registered name: PDL FINANCE LIMITED
Part of SDJ Enterprises Limited groupPDL Finance Limited made £39.5m revenue and £9.6m profit in the year to 30 Dec 2024. read from filing text
PDL Finance Limited’s revenue grew 26% to £39.5m in the year to 30 Dec 2024, with £9.6m profit and 130 employees. The company is classified under “credit granting by non-deposit taking finance houses and other specialist consumer credit grantors” and is based in London; we hold 3 years of its filed accounts.
- Status
- Active
- Location
- London, London
- Age
- 17 yrs · since 2008
- Type
- Private Limited Company
Pass-through vehicle. This looks like a holding, staffing or umbrella company. Its revenue and profit may largely pass through to or from other entities, so the figures may not reflect a standalone operating business. It is excluded from our opportunity lists.
Part of a group. The filing indicates this company sits within a group structure, so its results may depend on intra-group trading and it may be hard to replicate independently. From the filing: “The immediate and ultimate parent company is SDJ Enterprises Limited,”
Key figures
Badges are automated estimates derived from the filed figures — not statements of fact about the company.
Financial history
| Year to | 30 Dec 2022 | 30 Dec 2023 | 30 Dec 2024 |
|---|---|---|---|
| Disclosure | Full P&Lread from filing text | Full P&Lread from filing text | Full P&Lread from filing text |
| Profit & loss | |||
| Revenue (turnover) | £19.6m | £31.4m | £39.5m |
| Cost of sales | £1.1m | £1.3m | £1.6m |
| Gross profit | £18.5m | £30.1m | £38m |
| Operating profit | £3.3m | £10.1m | £13.3m |
| Profit before tax | £2.8m | £9.6m | £12.9m |
| Profit after tax | £2.5m | £7.4m | £9.6m |
| Profit (best available) | £2.5m | £7.4m | £9.6m |
| Staff costs | £4.9m | £6.1m | £7.4m |
| Employees (average) | 95 | 109 | 130 |
| Ratios | |||
| Profit margin | 12.8% | 23.4% | 24.2% |
| Gross margin | 94.3% | 95.9% | 96% |
| Revenue per employee | £206k | £288k | £304k |
| Profit per employee | £26.3k | £67.5k | £73.7k |
| Growth (year on year) | |||
| Revenue growth | — | ▲60.4% | ▲25.9% |
| Profit growth | — | ▲194% | ▲30.3% |
| Headcount growth | — | ▲14.7% | ▲19.3% |
| Balance sheet — indirect signals, not revenue | |||
| Cash at bank | £2.3m | £3.2m | £4.6m |
| Net assets | £11.8m | £16.2m | £20.9m |
| Fixed assets | £105k | £137k | £189k |
| Current assets | £15.8m | £22.3m | £27.2m |
| Debtors | £10.4m | £15.2m | £18.4m |
| Deferred income | £311k | £360k | £389k |
| Source | FullAccounts · bulk data Oct 2024 | FullAccounts · bulk data Oct 2024 | FullAccounts · bulk data Oct 2025 |
How the business works
- Profit margin
- 24.2%
- Profit ÷ revenue.
- Gross margin
- 96%
- Gross profit ÷ revenue. High for software and services.
- Revenue per employee
- £304k
- Revenue ÷ average employees.
- Profit per employee
- £73.7k
- Profit ÷ average employees.
- Cash conversion
- —
- Cash generated from operations ÷ operating profit. Needs a cash-flow statement.
- Fixed assets ÷ revenue
- 0.5%
- Capital intensity. Low = capital-light, cheaper to start.
- Deferred income ÷ revenue
- 1%
- Customers paying upfront (subscriptions, deposits). Approximate when combined with accruals.
- Debtors ÷ revenue
- 46.6%
- Money owed by customers. Low = customers pay quickly.
Balance-sheet signals
Year-on-year changes in filed balance-sheet items. They can hint at momentum (or investment) but are not revenue or profit and must not be read as such.
- Net assets
- ▲29%
- Now £20.9m
- Cash at bank
- ▲42%
- Now £4.6m
- Headcount
- ▲19%
- Now 130
- Deferred income
- ▲8%
- Now £389k
- Fixed assets
- ▲38%
- Now £189k
Deferred income is reported together with accruals in this filing (“accruals and deferred income”), so it is an approximate signal only.
Group structure
Ownership chain
- SDJ Enterprises Limitedultimate parent50–75%
- PDL Finance Limitedthis company
Bands show the share of ownership each company holds in the one below it.
From the Persons with Significant Control register (corporate controllers only).
Sources
Latest figures from FullAccounts for the year to 30 Dec 2024 (profit £9.6m), from the Companies House accounts bulk data published Oct 2025. Spotted an error? Request a correction.
Contains public sector information from Companies House licensed under the Open Government Licence v3.0. Data from Companies House, © Crown copyright. View the licence.