
Founded in Bristol in 1986 as a pawnbroking service, the main part of our business remains the issue of loans against the security of gold jewellery and diamonds

| 2004 (366) | 2005 (365) | 2006 (365) | 2007 (365) | 2008 (366) | |
| Intangible Fixed Assets | 0.35 | 0.77 | 2.47 | 6.36 | 23.44 |
|---|---|---|---|---|---|
| Tangible Fixed Assets | 4.44 | 4.48 | 5.27 | 5.70 | 6.57 |
| Fixed Investments | |||||
| Total Net Fixed Assets | 4.78 | 5.25 | 7.74 | 12.06 | 30.01 |
| Stocks | 4.92 | 5.79 | 7.48 | 9.35 | 15.06 |
| Debtors | 18.89 | 21.01 | 25.30 | 30.13 | 42.44 |
| Cash and Securities | 0.98 | 1.71 | 1.66 | 1.96 | 2.78 |
| Total Current Assets | 24.78 | 28.51 | 34.45 | 41.45 | 60.29 |
| Total Assets | 29.56 | 33.76 | 42.19 | 53.76 | 91.05 |
| Creditors Short | 4.07 | 3.00 | 2.80 | 3.35 | 6.87 |
| Creditors Long | 8.81 | 10.44 | 15.88 | 24.08 | 39.87 |
| Total Liabilities | 12.88 | 13.44 | 18.68 | 27.44 | 46.74 |
| Total Net Assets | 16.68 | 20.32 | 23.50 | 26.33 | 44.31 |
| Share Capital | 5.49 | 5.58 | 5.89 | 5.98 | 22.26 |
| Reserves | 11.19 | 14.74 | 17.61 | 20.34 | 22.05 |
| Shareholders Funds | 16.68 | 20.32 | 23.50 | 26.33 | 44.31 |
| Minorities | |||||
| Total | 16.68 | 20.32 | 23.50 | 26.33 | 44.31 |
| 2004 | 2005 | 2006 | 2007 | 2008 | |
| Net Borrowings (£m) | 0.98 | 1.71 | 1.66 | 1.96 | 2.78 |
|---|---|---|---|---|---|
| Net Tangible Asset Value PS (p) | 35.51 | 42.29 | 45.20 | 42.42 | 37.91 |
| ROCE (%) | 20.74 | 20.20 | 20.16 | 18.05 | 20.34 |
| ROE (%) | 19.96 | 19.44 | 19.97 | 20.05 | 16.30 |
| Net gearing (%) | 53.28 | 47.22 | 62.19 | 88.27 | 82.74 |
| Gross gearing (%) | 59.13 | 55.63 | 69.27 | 95.73 | 89.01 |
| Cash (%) | 5.85 | 8.41 | 7.08 | 7.46 | 6.28 |
| Interest Cover (x) | 9.98 | 9.15 | 8.11 | 7.19 | 4.84 |
| Quick Ratio (r) | 4.88 | 7.57 | 9.61 | 9.58 | 6.58 |
| Current Ratio (r) | 6.09 | 9.50 | 12.28 | 12.37 | 8.77 |
| 2004 | 2005 | 2006 | 2007 | 2008 | |
| Total Debt | 9.86 | 11.30 | 16.28 | 25.21 | 39.44 |
| Due < 1 yr | 1.33 | 1.10 | 0.62 | 1.19 | 2.57 |
| 1-2 yrs | 8.52 | 10.19 | 15.61 | 0.09 | 1.96 |
| 2-5 yrs | 0.01 | 0.02 | 0.04 | 23.92 | 33.96 |
| > 5 yrs | 0.96 |