ONE CLICK MONEY LTD

Executive Summary

ONE CLICK MONEY LTD is a small, emerging player in the business support and factoring services sector, exhibiting steady financial growth and maintaining solid liquidity. Positioned as a niche operator, the company benefits from a focused service offering but faces competitive pressures from larger, more established firms and fintech innovations. Continued growth will depend on scaling operations and leveraging market trends favoring flexible financing solutions for SMEs.

ONE CLICK MONEY LTD - Analysis Report

Company Number: 13001869

Analysis Date: 2025-07-20 14:38 UTC

1. Industry Classification
   ONE CLICK MONEY LTD is primarily classified under SIC codes 82990 (Other business support service activities not elsewhere classified), 78109 (Other activities of employment placement agencies), and 64992 (Factoring). These classifications place the company within the broader business support services sector, with a particular focus on financial services related to factoring and employment placement. This sector is characterised by providing operational, financial, and administrative support to other businesses, often including credit management, invoice financing, and workforce solutions.

2. Relative Performance
   Financially, ONE CLICK MONEY LTD exhibits characteristics typical of a small but growing enterprise within the business support and factoring niche. With current assets increasing from £270k in 2020 to £378k in 2023, and net assets growing from £5.7k to £67k over the same period, the company shows steady growth in working capital and equity base. The company maintains a healthy cash balance (£235k in 2023) relative to current liabilities (£300k), suggesting prudent liquidity management. However, the presence of significant long-term creditors (£300k) indicates reliance on external financing, which is common in factoring businesses due to the nature of cash flow cycles. Compared to typical industry benchmarks, which often include larger firms with more diversified client bases and higher turnover, ONE CLICK MONEY LTD is in an early growth phase but maintains solid financial footing for its size.

3. Sector Trends Impact
   The business support and factoring industry has been influenced by several evolving market dynamics: increasing demand for flexible financing solutions among SMEs, digital transformation accelerating service delivery, and regulatory changes impacting credit and employment placement services. The rise in fintech solutions and alternative lending platforms intensifies competition but also expands market reach. For ONE CLICK MONEY LTD, the growing adoption of technology in factoring and employment placement presents both opportunities to streamline operations and risks from established fintech competitors. Additionally, economic uncertainties and tighter credit conditions affect client demand for factoring services, which may influence the company’s growth trajectory.

4. Competitive Positioning
   ONE CLICK MONEY LTD operates as a niche player within the factoring and business support services sector. Its relatively small scale and recent incorporation (2020) position it as a newcomer compared to longstanding competitors. Strengths include a focused business model leveraging factoring and employment placement activities, evidenced by growing asset base and shareholder funds. The company’s location in central London provides strategic advantages in accessing a broad client base. However, weaknesses include zero recorded employees, which may imply heavy reliance on outsourcing or minimal operational scale, and a modest equity base limiting capacity for large-scale financing operations. Compared to sector norms where firms often have larger teams and diversified financing sources, ONE CLICK MONEY LTD appears to be in a developmental stage requiring scale-up to enhance competitiveness.