Watford’s Myles Stephenson, Jamaal Shurland, Mustafa Rahimtulla and Ashley Fongho, all 25 and 26, were crowned winners of the show last night, beating Lancashire-born singer Grace Davies in the final.

If Cowell’s prediction is right and the band outperform One Direction, the foursome could earn as much as £200million – a far cry from their white collar jobs in the Hertfordshire town.

The boys have already shown their financial know-how as they set up a company to handle future earnings weeks before they appeared on the X Factor.

Stephenson, 26, the band’s rapper and producer, was a client manager for Concept Care Solutions which involved recruiting and booking all types of health care professionals in NHS, before his success on the show.

He recently split from his long-term girlfriend Rebecca Bignel and reportedly grew close to researcher Demi Kaye while on the show – much to the anger of the X Factor bosses.

Stephenson admitted he had a crush on Cheryl at Judges Houses, which led ex-One Direction star Liam Payne to warn him off his girlfriend during the first live show when he quipped: ‘He fancies my missus so I’ve got to keep an eye on him!’

Barbadian Jamaal Shurland, 25, lead singer of the band, arrived in England when he was 12.

He is currently in a relationship with girlfriend Lara Rose McCabe and was previously a physiotherapy assistant.

Mustafa Rahimtulla, 25, also known as ‘Pharoahcious’, teaches street dance classes and is listed as having won competitions nationally and internationally.

Stephenson, Shurland and Rahimtulla all attended Westfield Academy in Watford, a coeducational secondary school and sixth form with academy status.

The fourth member of the band, rapper and songwriter Ashley Fongho, 26, attended Bushey Meads School and then Queens School for sixth-form, and is a psychology graduate who went to Loughborough University.

According to his LinkedIn page he’s a ‘business manager’ and is also a talented footballer having had trials at Tottenham Hotspur, Cardiff City and Bristol City.

Prior to the airing of this year’s X Factor the band formed a company to handle future earnings.

Rak-Su created a limited company – called About Ours Ltd – to handle any cash they make from performing.

According to records submitted to Companies House the firm’s aims are ‘artistic creation’ and ‘performing arts’.

All four members of the band are listed as directors of the company that was created on September 22.

Rak-Su previously had songs played by BBC Introducing before auditioning for the X Factor.

They will release debut single Dimelo, one of their original tracks, with Naughty Boy and Wyclef Jean after performing it with them on the show.

X Factor boss Simon, 58, told them after their victory at ExCeL London: ‘You are gentlemen. You are stars.’

And he said the childhood friends can go on to great things as they share the same ‘certain class’ as Harry Styles and Co.

One Direction, who came third in the 2010 series of the show, have gone on to sell more than 70 million records.

Cowell said: ‘There’s an awful lot of artists in entertainment who appear nice in front of the cameras, but behind them, they’re monsters.

‘Not these guys. These guys have that same thing as 1D, it’s a certain class.

‘The group is so important to the show for that reason. There’s so many s****y things going on in the world.

‘When you have people like these guys who have ambition, it’s great and there’s this wonderful afterglow.’