Cass-stephens Insurances Limited

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cass-stephens insurances limited Company Information

Live

MatureSmallHealthy

Company Number

00901325

Next Accounts

Dec 2024

Industry

Life insurance

Directors

Matthew Cass

James Cass

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Shareholders

cass-stephens group limited

paul baldwin

Group Structure

View All

Contact

Registered Address

windsor house, 200 barnwood fields, barnett way, gloucester, gloucestershire, GL4 3RT

Website

http://cass-stephens.co.uk

cass-stephens insurances limited Estimated Valuation

£1m

Pomanda estimates the enterprise value of CASS-STEPHENS INSURANCES LIMITED at £1m based on Net Assets of £603.2k and 1.71x industry multiple (adjusted for liquidity).

Edit your figures and get a professional valuation report.

Cass-stephens Insurances Limited is a live company located in gloucester, GL4 3RT with a Companies House number of 00901325. It operates in the life insurance sector, SIC Code 65110. Founded in March 1967, it's largest shareholder is cass-stephens group limited with a 95% stake. Cass-stephens Insurances Limited is a mature, small sized company, Pomanda has estimated its turnover at £1.5m with healthy growth in recent years.

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Pomanda's financial health check has awarded Cass-Stephens Insurances Limited a 4.5 rating. We use a traffic light system to show it exceeds the industry average on 4 measures and has 2 areas for improvement. Company Health Check FAQs

Health Rating4.5out of 5

4 Strong

5 Regular

2 Weak

Size

annual sales of £1.5m, make it larger than the average company (£1.2m)

Growth

3 year (CAGR) sales growth of 6%, show it is growing at a similar rate (6.5%)

EXPORT

Cass-Stephens Insurances Limited's latest turnover from March 2023 is estimated at £1.5 million and the company has net assets of £603.2 thousand. According to their latest financial statements, Cass-Stephens Insurances Limited has 25 employees and maintains cash reserves of £784.3 thousand as reported in the balance sheet.

Data source: Companies House, Pomanda Estimates

	Mar 2023	Mar 2022	Mar 2021	Mar 2020	Mar 2019	Mar 2018	Mar 2017	Mar 2016	Mar 2015	Mar 2014	Mar 2013	Mar 2012	Mar 2011	Mar 2010
Turnover	1,465,804	1,006,013	930,267	1,230,280	572,591	637,789	504,234	355,245	243,051	844,159	542,600	415,326	346,753	696,010
Other Income Or Grants	0	0	0	0	0	0	0	0	0	0	0	0	0	0
Cost Of Sales	146,141	97,774	215,842	404,261	215,209	112,436	78,968	55,635	33,624	122,401	79,761	72,803	76,596	184,177
Gross Profit	1,319,663	908,240	714,425	826,019	357,382	525,353	425,266	299,610	209,427	721,758	462,840	342,523	270,157	511,833
Admin Expenses	1,330,577	760,781	687,140	708,220	275,473	399,746	458,392	297,466	360,662	678,723	407,356	280,255	254,331	428,281
Operating Profit	-10,914	147,459	27,285	117,799	81,909	125,607	-33,126	2,144	-151,235	43,035	55,484	62,268	15,826	83,552
Interest Payable	0	0	0	386	1,146	1,648	1,670	781	0	0	0	0	0	0
Interest Receivable	31,915	4,600	564	397	1,753	1,480	847	1,908	1,749	1,916	2,149	1,683	1,703	1,042
Pre-Tax Profit	21,001	152,059	27,849	117,810	82,516	125,440	-33,948	3,271	-149,486	44,951	57,633	63,951	17,529	84,594
Tax	-3,990	-28,891	-5,291	-22,384	-15,678	-23,834	0	-654	0	-10,339	-13,832	-16,627	-4,908	-23,686
Profit After Tax	17,011	123,168	22,558	95,426	66,838	101,606	-33,948	2,617	-149,486	34,612	43,801	47,324	12,621	60,908
Dividends Paid	0	0	0	0	0	0	0	0	0	0	0	0	0	0
Retained Profit	17,011	123,168	22,558	95,426	66,838	101,606	-33,948	2,617	-149,486	34,612	43,801	47,324	12,621	60,908
Employee Costs	1,397,150	1,325,374	1,182,003	1,164,526	1,183,514	1,098,433	1,056,231	1,006,838	134,308	413,923	284,523	232,814	195,555	399,049
Number Of Employees	25	25	24	23	23	22	23	23	3	9	7	6	5	9
EBITDA*	7,520	149,049	29,415	120,667	85,798	132,789	-25,389	8,144	-143,255	53,680	74,889	104,177	89,069	120,150

* Earnings Before Interest, Tax, Depreciation and Amortisation

	Mar 2023	Mar 2022	Mar 2021	Mar 2020	Mar 2019	Mar 2018	Mar 2017	Mar 2016	Mar 2015	Mar 2014	Mar 2013	Mar 2012	Mar 2011	Mar 2010
Tangible Assets	56,193	65,031	7,231	9,361	12,229	16,118	23,300	26,081	26,386	34,366	17,458	21,699	24,202	31,032
Intangible Assets	0	0	0	0	0	0	0	0	0	0	0	15,164	51,560	118,787
Investments & Other	0	0	0	0	0	0	0	0	0	0	0	0	0	0
Debtors (Due After 1 year)	0	0	0	0	0	0	0	0	0	0	0	0	0	0
Total Fixed Assets	56,193	65,031	7,231	9,361	12,229	16,118	23,300	26,081	26,386	34,366	17,458	36,863	75,762	149,819
Stock & work in progress	0	0	0	0	0	0	0	0	0	0	0	0	0	0
Trade Debtors	837,156	492,456	404,631	537,609	193,821	228,277	151,440	55,470	133,637	441,875	273,094	194,362	167,184	241,196
Group Debtors	53,766	30,001	93,039	208,825	298,986	263,199	83,756	31,722	22,655	0	0	0	0	0
Misc Debtors	39,797	38,132	38,790	25,721	26,682	22,958	26,509	29,513	17,620	0	0	0	0	0
Cash	784,318	717,581	509,149	619,793	174,020	293,547	298,305	379,377	383,910	315,499	450,956	408,752	264,411	416,929
misc current assets	0	0	0	0	0	0	0	0	0	0	0	0	0	0
total current assets	1,715,037	1,278,170	1,045,609	1,391,948	693,509	807,981	560,010	496,082	557,822	757,374	724,050	603,114	431,595	658,125
total assets	1,771,230	1,343,201	1,052,840	1,401,309	705,738	824,099	583,310	522,163	584,208	791,740	741,508	639,977	507,357	807,944
Bank overdraft	0	0	0	0	12,671	21,288	29,407	24,017	0	0	0	0	0	0
Bank loan	0	0	0	0	0	0	0	0	0	0	0	0	0	0
Trade Creditors	899,837	548,317	458,616	888,901	204,238	366,337	262,574	161,857	205,031	437,411	425,517	367,341	282,486	595,584
Group/Directors Accounts	0	0	0	0	30,000	0	0	0	40,495	0	0	0	1,342	0
other short term finances	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
other current liabilities	218,710	151,780	130,103	70,502	112,081	163,870	119,248	129,932	135,138	0	0	0	0	0
total current liabilities	1,118,547	700,097	588,719	959,403	358,990	551,495	411,229	315,806	380,664	437,411	425,517	367,341	283,828	595,584
loans	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
Accruals and Deferred Income	0	0	0	0	0	0	0	0	0	0	0	0	0	0
other liabilities	38,626	46,058	0	0	0	0	0	0	0	0	0	0	0	1,452
provisions	10,848	10,848	1,091	1,434	1,702	2,549	3,632	3,960	3,764	5,063	1,337	1,783	0	0
total long term liabilities	49,474	56,906	1,091	1,434	1,702	2,549	3,632	3,960	3,764	5,063	1,337	1,783	0	1,452
total liabilities	1,168,021	757,003	589,810	960,837	360,692	554,044	414,861	319,766	384,428	442,474	426,854	369,124	283,828	597,036
net assets	603,209	586,198	463,030	440,472	345,046	270,055	168,449	202,397	199,780	349,266	314,654	270,853	223,529	210,908
total shareholders funds	603,209	586,198	463,030	440,472	345,046	270,055	168,449	202,397	199,780	349,266	314,654	270,853	223,529	210,908

	Mar 2023	Mar 2022	Mar 2021	Mar 2020	Mar 2019	Mar 2018	Mar 2017	Mar 2016	Mar 2015	Mar 2014	Mar 2013	Mar 2012	Mar 2011	Mar 2010
Operating Activities
Operating Profit	-10,914	147,459	27,285	117,799	81,909	125,607	-33,126	2,144	-151,235	43,035	55,484	62,268	15,826	83,552
Depreciation	18,434	1,590	2,130	2,868	3,889	7,182	7,737	6,000	7,980	10,645	4,241	5,513	6,830	9,179
Amortisation	0	0	0	0	0	0	0	0	0	0	15,164	36,396	66,413	27,419
Tax	-3,990	-28,891	-5,291	-22,384	-15,678	-23,834	0	-654	0	-10,339	-13,832	-16,627	-4,908	-23,686
Stock	0	0	0	0	0	0	0	0	0	0	0	0	0	0
Debtors	370,130	24,129	-235,695	252,666	5,055	252,729	145,000	-57,207	-267,963	168,781	78,732	27,178	-74,012	241,196
Creditors	351,520	89,701	-430,285	684,663	-162,099	103,763	100,717	-43,174	-232,380	11,894	58,176	84,855	-313,098	595,584
Accruals and Deferred Income	66,930	21,677	59,601	-41,579	-51,789	44,622	-10,684	-5,206	135,138	0	0	0	0	0
Deferred Taxes & Provisions	0	9,757	-343	-268	-847	-1,083	-328	196	-1,299	3,726	-446	1,783	0	0
Cash flow from operations	51,850	217,164	-111,208	488,433	-149,670	3,528	-80,684	16,513	26,167	-109,820	40,055	147,010	-154,925	450,852
Investing Activities
capital expenditure	-9,596	-59,390	0	0	0	0	-4,956	-5,695	0	-27,553	0	-3,010	814	-186,417
Change in Investments	0	0	0	0	0	0	0	0	0	0	0	0	0	0
cash flow from investments	-9,596	-59,390	0	0	0	0	-4,956	-5,695	0	-27,553	0	-3,010	814	-186,417
Financing Activities
Bank loans	0	0	0	0	0	0	0	0	0	0	0	0	0	0
Group/Directors Accounts	0	0	0	-30,000	30,000	0	0	-40,495	40,495	0	0	-1,342	1,342	0
Other Short Term Loans	0	0	0	0	0	0	0	0	0	0	0	0	0	0
Long term loans	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
other long term liabilities	-7,432	46,058	0	0	0	0	0	0	0	0	0	0	-1,452	1,452
share issue	0	0	0	0	8,153	0	0	0	0	0	0	0	0	150,000
interest	31,915	4,600	564	11	607	-168	-823	1,127	1,749	1,916	2,149	1,683	1,703	1,042
cash flow from financing	24,483	50,658	564	-29,989	38,760	-168	-823	-39,368	42,244	1,916	2,149	341	1,593	152,494
cash and cash equivalents
cash	66,737	208,432	-110,644	445,773	-119,527	-4,758	-81,072	-4,533	68,411	-135,457	42,204	144,341	-152,518	416,929
overdraft	0	0	0	-12,671	-8,617	-8,119	5,390	24,017	0	0	0	0	0	0
change in cash	66,737	208,432	-110,644	458,444	-110,910	3,361	-86,462	-28,550	68,411	-135,457	42,204	144,341	-152,518	416,929

Very Low Risk70 - 100

Low Risk50 - 70

Moderate Risk30 - 50

High Risk20 - 30

Very High Risk0 - 20

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CASS-STEPHENS INSURANCES LIMITED group structure

Cass-Stephens Insurances Limited has 1 subsidiary company.

Ultimate parent company

CASS-STEPHENS GROUP LIMITED

08462460

1 parent

CASS-STEPHENS INSURANCES LIMITED

00901325

1 subsidiary

CASS STEPHENS COMMERCIAL LIMITED

05713671

CASS-STEPHENS INSURANCES LIMITED Shareholders

cass-stephens group limited	95%
paul baldwin	5%

Cass-Stephens Insurances Limited currently has 3 directors. The longest serving directors include Mr Matthew Cass (Oct 2003) and Mr James Cass (Oct 2003).

officer	country	age	start	end	role
Mr Matthew Cass	England	51 years	Oct 2003	-	Director
Mr James Cass	United Kingdom	54 years	Oct 2003	-	Director
Mr Paul Baldwin	United Kingdom	53 years	Apr 2011	-	Director

P&L

March 2023

turnover

1.5m

+46%

operating profit

-10.9k

gross margin

90.1%

-0.28%

turnover

Turnover, or revenue, is the amount of sales generated by a company within the financial year.

Balance Sheet

March 2023

net assets

603.2k

+0.03%

total assets

1.8m

+0.32%

cash

784.3k

+0.09%

net assets

Total assets minus all liabilities

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company number

00901325

Type

Private limited with Share Capital

industry

65110 - Life insurance

incorporation date

March 1967

ultimate parent company

CASS-STEPHENS GROUP LIMITED

previous names

N/A

address

windsor house, 200 barnwood fields, barnett way, gloucester, gloucestershire, GL4 3RT

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cass-stephens insurances limited Company Information

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cass-stephens insurances limited Estimated Valuation

cass-stephens insurances limited Estimated Valuation

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