integralife uk limited
integralife uk limited Company Information
Company Number
00798365
Next Accounts
Jun 2025
Industry
Life insurance
Shareholders
integrafin holdings plc
Group Structure
View All
Contact
Registered Address
29 clement's lane, london, EC4N 7AE
Website
http://integralifeintegralife uk limited Estimated Valuation
Pomanda estimates the enterprise value of INTEGRALIFE UK LIMITED at £69.6m based on a Turnover of £57.4m and 1.21x industry multiple (adjusted for size and gross margin).
integralife uk limited Estimated Valuation
Pomanda estimates the enterprise value of INTEGRALIFE UK LIMITED at £387.1m based on an EBITDA of £27.9m and a 13.86x industry multiple (adjusted for size and gross margin).
integralife uk limited Estimated Valuation
Pomanda estimates the enterprise value of INTEGRALIFE UK LIMITED at £105.2m based on Net Assets of £61.8m and 1.7x industry multiple (adjusted for liquidity).
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Integralife Uk Limited Overview
Integralife Uk Limited is a live company located in london, EC4N 7AE with a Companies House number of 00798365. It operates in the life insurance sector, SIC Code 65110. Founded in March 1964, it's largest shareholder is integrafin holdings plc with a 100% stake. Integralife Uk Limited is a mature, large sized company, Pomanda has estimated its turnover at £57.4m with declining growth in recent years.
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Integralife Uk Limited Health Check
Pomanda's financial health check has awarded Integralife Uk Limited a 5 rating. We use a traffic light system to show it exceeds the industry average on 5 measures and has 1 areas for improvement. Company Health Check FAQs
5 Strong
3 Regular
1 Weak
Size
annual sales of £57.4m, make it larger than the average company (£1.2m)
£57.4m - Integralife Uk Limited
£1.2m - Industry AVG
Growth
3 year (CAGR) sales growth of -32%, show it is growing at a slower rate (6.5%)
-32% - Integralife Uk Limited
6.5% - Industry AVG
Production
with a gross margin of 99%, this company has a comparable cost of product (99%)
99% - Integralife Uk Limited
99% - Industry AVG
Profitability
an operating margin of 48.7% make it more profitable than the average company (9.3%)
48.7% - Integralife Uk Limited
9.3% - Industry AVG
Employees
with 465 employees, this is above the industry average (15)
- Integralife Uk Limited
15 - Industry AVG
Pay Structure
on an average salary of £58.1k, the company has an equivalent pay structure (£58.1k)
- Integralife Uk Limited
£58.1k - Industry AVG
Efficiency
resulting in sales per employee of £123.4k, this is equally as efficient (£123.6k)
- Integralife Uk Limited
£123.6k - Industry AVG
Debtor Days
There is insufficient data available for this Key Performance Indicator!
- - Integralife Uk Limited
- - Industry AVG
Creditor Days
There is insufficient data available for this Key Performance Indicator!
- - Integralife Uk Limited
- - Industry AVG
Stock Days
There is insufficient data available for this Key Performance Indicator!
- - Integralife Uk Limited
- - Industry AVG
Cash Balance
has cash to cover current liabilities for 1204 weeks, this is more cash available to meet short term requirements (10 weeks)
1204 weeks - Integralife Uk Limited
10 weeks - Industry AVG
Debt Level
it has a ratio of liabilities to total assets of 47.7%, this is a lower level of debt than the average (92.6%)
47.7% - Integralife Uk Limited
92.6% - Industry AVG
INTEGRALIFE UK LIMITED financials
Integralife Uk Limited's latest turnover from September 2023 is £57.4 million and the company has net assets of £61.8 million. According to their latest financial statements, we estimate that Integralife Uk Limited has 465 employees and maintains cash reserves of £71.2 million as reported in the balance sheet.
Data source: Companies House, Pomanda Estimates
| Sep 2023 | Sep 2022 | Sep 2021 | Sep 2020 | Sep 2019 | Sep 2018 | Sep 2017 | Sep 2016 | Sep 2015 | Sep 2014 | Sep 2013 | Sep 2012 | Sep 2011 | Sep 2010 | Sep 2009 | |
|---|---|---|---|---|---|---|---|---|---|---|---|---|---|---|---|
| Turnover | 57,377,000 | 56,901,000 | 53,266,000 | 182,895,000 | 167,319,000 | 45,279,000 | 38,671,000 | 32,635,000 | 34,367,000 | 899,079,000 | 718,616,000 | 693,362,000 | 700,965,000 | 614,753,000 | 629,792,000 |
| Other Income Or Grants | 0 | 0 | 0 | 0 | 0 | 0 | 0 | ||||||||
| Cost Of Sales | 561,000 | 382,000 | 329,000 | 243,000 | 200,000 | 210,000 | 210,000 | ||||||||
| Gross Profit | 56,816,000 | 56,519,000 | 52,937,000 | 182,652,000 | 167,119,000 | 45,069,000 | 38,461,000 | ||||||||
| Admin Expenses | 28,891,000 | 28,299,000 | 21,847,000 | ||||||||||||
| Operating Profit | 27,925,000 | 28,220,000 | 31,090,000 | ||||||||||||
| Interest Payable | 0 | 40,000 | 11,000 | 0 | 0 | 0 | 0 | 0 | 0 | ||||||
| Interest Receivable | 3,963,000 | 800,000 | 237,000 | 0 | 0 | 0 | 0 | 0 | 0 | ||||||
| Pre-Tax Profit | 45,574,000 | -7,153,000 | 34,036,000 | 25,752,000 | 30,994,000 | 25,158,000 | 22,055,000 | 24,872,000 | 9,161,000 | 9,653,000 | 9,317,000 | 7,191,000 | 5,668,000 | 5,398,000 | 5,300,000 |
| Tax | -12,105,000 | 38,498,000 | -6,646,000 | 3,066,000 | -11,354,000 | -8,981,000 | -8,794,000 | -14,778,000 | -1,797,000 | -2,314,000 | -2,385,000 | -1,535,000 | -4,000 | -1,000 | -18,000 |
| Profit After Tax | 33,469,000 | 31,345,000 | 27,390,000 | 28,818,000 | 19,640,000 | 16,177,000 | 13,261,000 | 10,094,000 | 7,364,000 | 7,339,000 | 6,932,000 | 5,656,000 | 5,664,000 | 5,397,000 | 5,282,000 |
| Dividends Paid | 19,000,000 | 21,000,000 | 19,000,000 | 16,000,000 | 14,000,000 | 13,000,000 | 10,000,000 | 2,000,000 | 4,171,000 | 5,897,000 | 6,102,000 | 5,735,000 | 5,708,000 | 5,055,000 | 4,500,000 |
| Retained Profit | 14,469,000 | 10,345,000 | 8,390,000 | 12,818,000 | 5,640,000 | 3,177,000 | 3,261,000 | 8,094,000 | 3,193,000 | 1,442,000 | 830,000 | -79,000 | -44,000 | 342,000 | 782,000 |
| Employee Costs | 10,654,000 | 10,486,000 | 9,844,000 | 8,458,000 | 8,090,000 | 9,303,000 | |||||||||
| Number Of Employees | |||||||||||||||
| EBITDA* | 27,925,000 | 28,220,000 | 31,090,000 |
* Earnings Before Interest, Tax, Depreciation and Amortisation
| Sep 2023 | Sep 2022 | Sep 2021 | Sep 2020 | Sep 2019 | Sep 2018 | Sep 2017 | Sep 2016 | Sep 2015 | Sep 2014 | Sep 2013 | Sep 2012 | Sep 2011 | Sep 2010 | Sep 2009 | |
|---|---|---|---|---|---|---|---|---|---|---|---|---|---|---|---|
| Tangible Assets | 6,000,000 | 12,354,000 | 8,000,000 | 0 | 0 | 0 | 10,737,399,000 | 8,338,282,000 | 6,507,208,000 | 0 | 0 | 0 | 0 | 0 | 0 |
| Intangible Assets | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 |
| Investments & Other | 0 | 0 | 0 | 0 | 0 | 0 | 10,700,924,000 | 8,308,371,000 | 6,479,630,000 | 0 | 0 | 0 | 0 | 0 | 0 |
| Debtors (Due After 1 year) | 6,000,000 | 12,354,000 | 8,000,000 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 |
| Total Fixed Assets | 6,000,000 | 12,354,000 | 8,000,000 | 0 | 0 | 0 | 10,737,399,000 | 8,338,282,000 | 6,507,208,000 | 0 | 0 | 0 | 0 | 0 | 0 |
| Stock & work in progress | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 |
| Trade Debtors | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 2,595,000 | 0 | 0 | 0 | 0 | 0 | 0 |
| Group Debtors | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 5,444,000 | 0 | 0 | 0 | 0 | 0 | 0 |
| Misc Debtors | 28,777,000 | 11,350,000 | 10,791,000 | 8,318,000 | 5,687,000 | 2,503,000 | 4,164,000 | 3,530,000 | 2,000 | 0 | 0 | 0 | 0 | 0 | 0 |
| Cash | 71,246,000 | 76,861,000 | 75,712,000 | 1,348,712,000 | 1,165,866,000 | 47,480,000 | 39,293,000 | 36,274,000 | 22,646,000 | 17,234,000 | 13,115,000 | 9,831,000 | 10,660,000 | 6,731,000 | 6,431,000 |
| misc current assets | 12,177,000 | 12,392,000 | 2,896,000 | 15,247,880,000 | 14,067,218,000 | 13,134,051,000 | 0 | 240,000 | 408,000 | 2,384,000 | 2,145,000 | 0 | 0 | 0 | 0 |
| total current assets | 112,200,000 | 100,603,000 | 89,399,000 | 16,604,910,000 | 15,241,767,000 | 13,184,034,000 | 43,457,000 | 40,044,000 | 31,095,000 | 5,740,812,000 | 4,983,402,000 | 4,219,844,000 | 3,567,470,000 | 3,295,501,000 | 2,738,096,000 |
| total assets | 118,200,000 | 112,957,000 | 97,399,000 | 16,604,910,000 | 15,241,767,000 | 13,184,034,000 | 10,780,856,000 | 8,378,326,000 | 6,538,303,000 | 5,740,812,000 | 4,983,402,000 | 4,219,844,000 | 3,567,470,000 | 3,295,501,000 | 2,738,096,000 |
| Bank overdraft | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 |
| Bank loan | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 |
| Trade Creditors | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 |
| Group/Directors Accounts | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 |
| other short term finances | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 1,164,000 | 1,030,000 | 4,894,000 | 3,041,000 | 952,000 | 1,008,000 |
| hp & lease commitments | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 |
| other current liabilities | 3,076,000 | 2,459,000 | 2,238,000 | 16,563,818,000 | 15,206,656,000 | 13,159,970,000 | 10,759,969,000 | 8,360,700,000 | 6,528,771,000 | 0 | 0 | 0 | 0 | 0 | 0 |
| total current liabilities | 3,076,000 | 2,459,000 | 2,238,000 | 16,563,818,000 | 15,206,656,000 | 13,159,970,000 | 10,759,969,000 | 8,360,700,000 | 6,528,771,000 | 8,129,000 | 7,940,000 | 8,843,000 | 6,941,000 | 3,256,000 | 3,269,000 |
| loans | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 |
| hp & lease commitments | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 |
| Accruals and Deferred Income | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 |
| other liabilities | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 |
| provisions | 106,582,000 | 113,104,000 | 91,358,000 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 |
| total long term liabilities | 53,291,000 | 56,552,000 | 45,679,000 | 0 | 0 | 0 | 0 | 0 | 0 | 5,725,950,000 | 4,970,171,000 | 4,206,540,000 | 3,555,988,000 | 3,287,666,000 | 2,730,590,000 |
| total liabilities | 56,367,000 | 59,011,000 | 47,917,000 | 16,563,818,000 | 15,206,656,000 | 13,159,970,000 | 10,759,969,000 | 8,360,700,000 | 6,528,771,000 | 5,734,079,000 | 4,978,111,000 | 4,215,383,000 | 3,562,929,000 | 3,290,922,000 | 2,733,859,000 |
| net assets | 61,833,000 | 53,946,000 | 49,482,000 | 41,092,000 | 35,111,000 | 24,064,000 | 20,887,000 | 17,626,000 | 9,532,000 | 6,733,000 | 5,291,000 | 4,461,000 | 4,541,000 | 4,579,000 | 4,237,000 |
| total shareholders funds | 61,833,000 | 53,946,000 | 49,482,000 | 41,092,000 | 35,111,000 | 24,064,000 | 20,887,000 | 17,626,000 | 9,532,000 | 6,733,000 | 5,291,000 | 4,461,000 | 4,541,000 | 4,579,000 | 4,237,000 |
| Sep 2023 | Sep 2022 | Sep 2021 | Sep 2020 | Sep 2019 | Sep 2018 | Sep 2017 | Sep 2016 | Sep 2015 | Sep 2014 | Sep 2013 | Sep 2012 | Sep 2011 | Sep 2010 | Sep 2009 | |
|---|---|---|---|---|---|---|---|---|---|---|---|---|---|---|---|
| Operating Activities | |||||||||||||||
| Operating Profit | 27,925,000 | 28,220,000 | 31,090,000 | ||||||||||||
| Depreciation | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 |
| Amortisation | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | ||||||
| Tax | -12,105,000 | 38,498,000 | -6,646,000 | 3,066,000 | -11,354,000 | -8,981,000 | -8,794,000 | -14,778,000 | -1,797,000 | -2,314,000 | -2,385,000 | -1,535,000 | -4,000 | -1,000 | -18,000 |
| Stock | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 |
| Debtors | 11,073,000 | 4,913,000 | 10,473,000 | 2,631,000 | 3,184,000 | -1,661,000 | 634,000 | -4,511,000 | 8,041,000 | 0 | 0 | 0 | 0 | 0 | 0 |
| Creditors | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 |
| Accruals and Deferred Income | 617,000 | 221,000 | -16,561,580,000 | 1,357,162,000 | 2,046,686,000 | 2,400,001,000 | 2,399,269,000 | 1,831,929,000 | 6,528,771,000 | 0 | 0 | 0 | 0 | 0 | 0 |
| Deferred Taxes & Provisions | -6,522,000 | 21,746,000 | 91,358,000 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 |
| Cash flow from operations | -1,158,000 | 83,772,000 | -16,456,251,000 | ||||||||||||
| Investing Activities | |||||||||||||||
| capital expenditure | |||||||||||||||
| Change in Investments | 0 | 0 | 0 | 0 | 0 | -10,700,924,000 | 2,392,553,000 | 1,828,741,000 | 6,479,630,000 | 0 | 0 | 0 | 0 | 0 | 0 |
| cash flow from investments | |||||||||||||||
| Financing Activities | |||||||||||||||
| Bank loans | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 |
| Group/Directors Accounts | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 |
| Other Short Term Loans | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | -1,164,000 | 134,000 | -3,864,000 | 1,853,000 | 2,089,000 | -56,000 | 1,008,000 |
| Long term loans | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 |
| Hire Purchase and Lease Commitments | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 |
| other long term liabilities | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 |
| share issue | |||||||||||||||
| interest | 3,963,000 | 760,000 | 226,000 | 0 | 0 | 0 | 0 | 0 | 0 | ||||||
| cash flow from financing | -2,619,000 | -5,121,000 | 226,000 | -6,837,000 | 5,407,000 | 0 | 0 | 0 | -1,558,000 | ||||||
| cash and cash equivalents | |||||||||||||||
| cash | -5,615,000 | 1,149,000 | -1,273,000,000 | 182,846,000 | 1,118,386,000 | 8,187,000 | 3,019,000 | 13,628,000 | 5,412,000 | 4,119,000 | 3,284,000 | -829,000 | 3,929,000 | 300,000 | 6,431,000 |
| overdraft | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 |
| change in cash | -5,615,000 | 1,149,000 | -1,273,000,000 | 182,846,000 | 1,118,386,000 | 8,187,000 | 3,019,000 | 13,628,000 | 5,412,000 | 4,119,000 | 3,284,000 | -829,000 | 3,929,000 | 300,000 | 6,431,000 |
integralife uk limited Credit Report and Business Information
Integralife Uk Limited Competitor Analysis
Perform a competitor analysis for integralife uk limited by selecting its closest rivals, whether from the FINANCIAL AND INSURANCE ACTIVITIES sector, other large companies, companies in EC4N area or any other competitors across 12 key performance metrics.
integralife uk limited Ownership
INTEGRALIFE UK LIMITED group structure
Integralife Uk Limited has no subsidiary companies.
Ultimate parent company
2 parents
INTEGRALIFE UK LIMITED
00798365
integralife uk limited directors
Integralife Uk Limited currently has 8 directors. The longest serving directors include Mr Alexander Scott (Jun 2011) and Mr John McKenzie (Oct 2017).
| officer | country | age | start | end | role |
|---|---|---|---|---|---|
| Mr Alexander Scott | United Kingdom | 54 years | Jun 2011 | - | Director |
| Mr John McKenzie | 73 years | Oct 2017 | - | Director | |
| Mr Jonathan Gunby | United Kingdom | 65 years | May 2020 | - | Director |
| Mr Jeremy Brettell | England | 63 years | Jun 2022 | - | Director |
| Mr David Peach | 52 years | Jun 2022 | - | Director | |
| Ms Mary Gavigan | 59 years | Feb 2023 | - | Director | |
| Mrs Lyndsay Wilson | 46 years | Apr 2024 | - | Director | |
| Mr Euan Marshall | United Kingdom | 47 years | Oct 2024 | - | Director |
P&L
September 2023turnover
57.4m
+1%
operating profit
27.9m
-1%
gross margin
99.1%
-0.31%
turnover
Turnover, or revenue, is the amount of sales generated by a company within the financial year.
Balance Sheet
September 2023net assets
61.8m
+0.15%
total assets
118.2m
+0.05%
cash
71.2m
-0.07%
net assets
Total assets minus all liabilities
integralife uk limited company details
company number
00798365
Type
Private limited with Share Capital
industry
65110 - Life insurance
incorporation date
March 1964
age
61
incorporated
UK
ultimate parent company
accounts
Full Accounts
last accounts submitted
September 2023
previous names
criterion life assurance limited (February 2005)
lifeguard assurance plc (August 1984)
accountant
-
auditor
ERNST & YOUNG LLP
address
29 clement's lane, london, EC4N 7AE
Bank
-
Legal Advisor
-
integralife uk limited Charges & Mortgages
A charge, or mortgage, refers to the rights a company gives to a lender in return for a loan, often in the form of security given over business assets.
We did not find charges/mortgages relating to integralife uk limited.
integralife uk limited Capital Raised & Share Issues BETA
When a company issues new shares, e.g. to new investors following a funding round, it is required to notify Companies House within one month of making an allotment of shares.
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integralife uk limited Companies House Filings - See Documents
| date | description | view/download |
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