Pomanda estimates the enterprise value of SUFFOLK LIFE PENSIONS LIMITED at £40.9m based on a Turnover of £38.3m and 1.07x industry multiple (adjusted for size and gross margin).
suffolk life pensions limitedEstimated Valuation
£115.2m
Pomanda estimates the enterprise value of SUFFOLK LIFE PENSIONS LIMITED at £115.2m based on an EBITDA of £12.9m and a 8.93x industry multiple (adjusted for size and gross margin).
suffolk life pensions limitedEstimated Valuation
£22.3m
Pomanda estimates the enterprise value of SUFFOLK LIFE PENSIONS LIMITED at £22.3m based on Net Assets of £13.9m and 1.6x industry multiple (adjusted for liquidity).
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Suffolk Life Pensions LimitedOverview
Suffolk Life Pensions Limited is a live company located in suffolk, IP1 1QJ with a Companies House number of 01180742. It operates in the pension funding sector, SIC Code 65300. Founded in August 1974, it's largest shareholder is
suffolk life group limited
with a 100% stake. Suffolk Life Pensions Limited is a mature,
large sized company, Pomanda has estimated its turnover at
£38.3m with
healthy
growth in recent years.
Pomanda's financial health check has awarded Suffolk Life Pensions Limited a 4.5 rating. We use a traffic light system to show it exceeds the industry average on 6 measures and has 2 areas for improvement. Company Health Check FAQs
Health Rating4.5out of 5
6 Strong
2 Regular
2 Weak
Size
annual sales of £38.3m, make it larger than the average company (£2m)
£38.3m - Suffolk Life Pensions Limited
£2m - Industry AVG
Growth
3 year (CAGR) sales growth of 15%, show it is growing at a faster rate (8.5%)
15% - Suffolk Life Pensions Limited
8.5% - Industry AVG
Production
with a gross margin of 100%, this company has a comparable cost of product (100%)
100% - Suffolk Life Pensions Limited
100% - Industry AVG
Profitability
an operating margin of 26.7% make it more profitable than the average company (11.4%)
26.7% - Suffolk Life Pensions Limited
11.4% - Industry AVG
Employees
with 428 employees, this is above the industry average (9)
428 - Suffolk Life Pensions Limited
9 - Industry AVG
Pay Structure
on an average salary of £42.5k, the company has a lower pay structure (£57k)
£42.5k - Suffolk Life Pensions Limited
£57k - Industry AVG
Efficiency
resulting in sales per employee of £89.6k, this is less efficient (£118.5k)
£89.6k - Suffolk Life Pensions Limited
£118.5k - Industry AVG
Debtor Days
it gets paid by customers after 8 days, this is earlier than average (29 days)
8 days - Suffolk Life Pensions Limited
29 days - Industry AVG
Creditor Days
There is insufficient data available for this Key Performance Indicator!
- - Suffolk Life Pensions Limited
- - Industry AVG
Stock Days
There is insufficient data available for this Key Performance Indicator!
- - Suffolk Life Pensions Limited
- - Industry AVG
Cash Balance
has cash to cover current liabilities
for 46 weeks, this is average cash available to meet short term requirements (54 weeks)
46 weeks - Suffolk Life Pensions Limited
54 weeks - Industry AVG
Debt Level
it has a ratio of liabilities to total assets of 51.5%, this is a higher level of debt than the average (35.9%)
51.5% - Suffolk Life Pensions Limited
35.9% - Industry AVG
SUFFOLK LIFE PENSIONS LIMITED financials
EXPORT
Suffolk Life Pensions Limited's latest turnover from December 2023 is £38.3 million and the company has net assets of £13.9 million. According to their latest financial statements, Suffolk Life Pensions Limited has 428 employees and maintains cash reserves of £10.6 million as reported in the balance sheet.
Data source:Companies House, Pomanda Estimates
Dec 2023
Dec 2022
Dec 2021
Dec 2020
Dec 2019
Dec 2018
Dec 2017
Dec 2016
Dec 2015
Dec 2014
Dec 2013
Dec 2012
Dec 2011
Dec 2010
Dec 2009
Turnover
38,343,000
29,560,000
26,041,000
25,269,000
24,476,000
22,800,000
21,624,000
16,249,000
16,539,045
17,705,225
18,482,647
19,702,369
15,689,716
13,605,588
13,509,406
Other Income Or Grants
Cost Of Sales
311,892
942,365
2,142,490
357,898
206,611
319,718
1,184,560
Gross Profit
38,343,000
29,560,000
26,041,000
25,269,000
24,476,000
22,800,000
21,624,000
15,937,108
15,596,680
15,562,735
18,124,749
19,495,758
15,369,998
12,421,028
Admin Expenses
28,098,000
23,997,000
20,892,000
20,182,000
18,360,000
17,276,000
17,083,000
15,797,108
16,147,378
14,691,516
14,489,396
16,796,201
13,454,667
13,698,275
-1,627,947
Operating Profit
10,245,000
5,563,000
5,149,000
5,087,000
6,116,000
5,524,000
4,541,000
140,000
-550,698
871,219
3,635,353
2,699,557
1,915,331
-1,277,247
1,627,947
Interest Payable
144,000
206,000
97,000
128,000
131,000
4,000
6,000
1,000
501
35,944
51,318
790
45
640
31
Interest Receivable
196,000
56,000
14,000
28,000
73,000
65,000
31,000
56,000
92,422
94,924
113,876
108,460
65,719
48,705
61,048
Pre-Tax Profit
8,421,000
5,417,000
5,111,000
5,024,000
6,117,000
5,681,000
4,660,000
286,000
-505,117
1,021,035
3,772,805
2,841,949
1,989,200
-1,654,343
1,871,470
Tax
-1,652,000
-849,000
-689,000
-1,007,000
-1,138,000
-843,000
-880,000
-60,000
-147
-224,108
-914,790
-731,920
-557,209
445,624
-535,591
Profit After Tax
6,769,000
4,568,000
4,422,000
4,017,000
4,979,000
4,838,000
3,780,000
226,000
-505,264
796,927
2,858,015
2,110,029
1,431,991
-1,208,719
1,335,879
Dividends Paid
4,400,000
6,150,000
7,500,000
3,600,000
3,600,000
2,000,000
600,000
2,700,000
Retained Profit
6,769,000
168,000
-1,728,000
-3,483,000
1,379,000
1,238,000
1,780,000
-374,000
-3,205,264
796,927
2,858,015
2,110,029
1,431,991
-1,208,719
1,335,879
Employee Costs
18,173,000
15,198,000
13,992,000
13,297,000
11,604,000
10,497,000
10,095,000
9,031,000
8,285,111
8,498,634
8,020,288
7,873,484
7,601,837
8,036,859
6,603,100
Number Of Employees
428
411
411
381
330
301
302
273
248
233
210
205
205
226
195
EBITDA*
12,895,000
6,424,000
6,010,000
6,517,000
7,444,000
6,101,000
5,112,000
686,000
37,297
1,497,366
4,018,578
3,115,548
2,134,128
-725,832
2,014,193
* Earnings Before Interest, Tax, Depreciation and Amortisation
Dec 2023
Dec 2022
Dec 2021
Dec 2020
Dec 2019
Dec 2018
Dec 2017
Dec 2016
Dec 2015
Dec 2014
Dec 2013
Dec 2012
Dec 2011
Dec 2010
Dec 2009
Tangible Assets
3,681,000
5,572,000
4,599,000
5,222,000
5,954,000
850,000
579,000
648,000
846,164
1,190,398
1,078,758
1,017,878
962,767
831,126
853,400
Intangible Assets
2,610,000
4,736,000
3,983,000
3,737,000
3,690,000
3,637,000
3,633,000
3,911,000
1,725,771
1,737,200
2,082,064
1,351,718
Investments & Other
100
100
100
100
100
100
100
Debtors (Due After 1 year)
754,000
223,000
198,000
572,000
Total Fixed Assets
6,291,000
9,554,000
8,359,000
8,761,000
9,644,000
4,487,000
4,212,000
4,559,000
2,571,935
2,927,598
3,160,822
2,369,596
962,767
831,126
853,500
Stock & work in progress
Trade Debtors
889,000
2,950,000
1,696,000
1,123,000
892,000
505,000
807,000
1,242,000
393,487
443,371
491,894
466,701
279,968
193,011
106,448
Group Debtors
3,298,000
1,863,000
2,592,000
2,482,000
684,000
635,000
791,000
1,748,000
251,927
34,636
Misc Debtors
7,596,000
1,716,000
1,405,000
1,819,000
1,453,000
1,469,000
1,207,000
846,000
530,420
658,538
769,297
1,009,639
725,909
465,500
847,531
Cash
10,573,000
5,928,000
6,647,000
7,640,000
12,198,000
11,135,000
10,271,000
5,086,000
9,634,666
13,367,078
12,215,047
10,620,426
9,323,263
7,370,494
5,815,801
misc current assets
444,026
total current assets
22,356,000
12,457,000
12,619,000
13,204,000
15,227,000
13,744,000
13,076,000
8,922,000
10,810,500
14,468,987
13,476,238
12,096,766
10,329,140
8,507,667
6,769,780
total assets
28,647,000
22,011,000
20,978,000
21,965,000
24,871,000
18,231,000
17,288,000
13,481,000
13,382,435
17,396,585
16,637,060
14,466,362
11,291,907
9,338,793
7,623,280
Bank overdraft
Bank loan
Trade Creditors
693,000
200,000
401,000
177,000
112,000
313,000
620,000
406,000
45,322
171,022
274,734
318,579
1,019,992
545,050
341,693
Group/Directors Accounts
31,000
10,927
other short term finances
hp & lease commitments
349,000
465,000
366,000
236,000
263,000
other current liabilities
10,647,000
8,472,000
7,642,000
7,081,000
6,241,000
5,742,000
6,259,000
4,730,000
4,667,715
3,308,517
3,038,373
3,342,640
2,119,839
2,073,658
1,341,856
total current liabilities
11,720,000
9,137,000
8,409,000
7,494,000
6,616,000
6,055,000
6,879,000
5,136,000
4,713,037
3,479,539
3,313,107
3,661,219
3,139,831
2,618,708
1,694,476
loans
6,572,000
6,390,000
7,120,000
7,832,000
hp & lease commitments
2,946,000
3,286,000
3,195,000
3,560,000
3,916,000
Accruals and Deferred Income
other liabilities
203,834
543,038
provisions
85,000
186,000
total long term liabilities
3,031,000
3,286,000
3,288,000
3,560,000
3,916,000
203,834
543,038
total liabilities
14,751,000
12,423,000
11,697,000
11,054,000
10,532,000
6,055,000
6,879,000
5,136,000
4,713,037
3,479,539
3,516,941
4,204,257
3,139,831
2,618,708
1,694,476
net assets
13,896,000
9,588,000
9,281,000
10,911,000
14,339,000
12,176,000
10,409,000
8,345,000
8,669,398
13,917,046
13,120,119
10,262,105
8,152,076
6,720,085
5,928,804
total shareholders funds
13,896,000
9,588,000
9,281,000
10,911,000
14,339,000
12,176,000
10,409,000
8,345,000
8,669,398
13,917,046
13,120,119
10,262,105
8,152,076
6,720,085
5,928,804
Dec 2023
Dec 2022
Dec 2021
Dec 2020
Dec 2019
Dec 2018
Dec 2017
Dec 2016
Dec 2015
Dec 2014
Dec 2013
Dec 2012
Dec 2011
Dec 2010
Dec 2009
Operating Activities
Operating Profit
10,245,000
5,563,000
5,149,000
5,087,000
6,116,000
5,524,000
4,541,000
140,000
-550,698
871,219
3,635,353
2,699,557
1,915,331
-1,277,247
1,627,947
Depreciation
350,000
420,000
481,000
870,000
767,000
251,000
244,000
361,000
448,939
371,228
291,190
346,057
218,797
551,415
386,246
Amortisation
2,300,000
441,000
380,000
560,000
561,000
326,000
327,000
185,000
139,056
254,919
92,035
69,934
Tax
-1,652,000
-849,000
-689,000
-1,007,000
-1,138,000
-843,000
-880,000
-60,000
-147
-224,108
-914,790
-731,920
-557,209
445,624
-535,591
Stock
Debtors
4,500,000
1,367,000
294,000
2,021,000
992,000
-196,000
-1,031,000
2,660,166
73,925
-159,282
-215,149
470,463
312,730
-260,832
953,979
Creditors
493,000
-201,000
224,000
65,000
-201,000
-307,000
214,000
360,678
-125,700
-103,712
-43,845
-701,413
474,942
203,357
341,693
Accruals and Deferred Income
2,175,000
830,000
561,000
840,000
499,000
-517,000
1,529,000
62,285
1,359,198
270,144
-304,267
1,222,801
46,181
731,802
1,341,856
Deferred Taxes & Provisions
85,000
-186,000
186,000
Cash flow from operations
9,496,000
4,651,000
5,998,000
4,394,000
5,612,000
4,630,000
7,006,000
-1,611,203
1,196,723
1,598,972
2,970,825
2,434,553
1,785,312
915,783
2,208,172
Investing Activities
capital expenditure
1,367,000
-2,587,000
-484,000
-745,000
-6,485,000
-852,000
-224,000
-2,533,065
-232,332
-392,923
-1,174,451
-1,822,820
-350,438
-529,141
-1,239,646
Change in Investments
-100
100
cash flow from investments
1,367,000
-2,587,000
-484,000
-745,000
-6,485,000
-852,000
-224,000
-2,532,965
-232,332
-392,923
-1,174,451
-1,822,820
-350,438
-529,141
-1,239,746
Financing Activities
Bank loans
Group/Directors Accounts
31,000
-10,927
10,927
Other Short Term Loans
Long term loans
-6,572,000
182,000
-730,000
-712,000
7,832,000
Hire Purchase and Lease Commitments
-456,000
190,000
-235,000
-383,000
4,179,000
other long term liabilities
-203,834
-339,204
543,038
share issue
-2,461,000
139,000
98,000
55,000
784,000
529,000
284,000
49,602
-2,042,384
-1
2,000,000
4,592,925
interest
52,000
-150,000
-83,000
-100,000
-58,000
61,000
25,000
55,000
91,921
58,980
62,558
107,670
65,674
48,065
61,017
cash flow from financing
-9,406,000
361,000
-950,000
-1,140,000
12,737,000
590,000
309,000
104,602
-1,950,463
-144,854
-276,647
650,708
65,674
2,037,138
4,664,869
cash and cash equivalents
cash
4,645,000
-719,000
-993,000
-4,558,000
1,063,000
864,000
5,185,000
-4,548,666
-3,732,412
1,152,031
1,594,621
1,297,163
1,952,769
1,554,693
5,815,801
overdraft
change in cash
4,645,000
-719,000
-993,000
-4,558,000
1,063,000
864,000
5,185,000
-4,548,666
-3,732,412
1,152,031
1,594,621
1,297,163
1,952,769
1,554,693
5,815,801
suffolk life pensions limited Credit Report and Business Information
Very Low Risk70 - 100
Low Risk50 - 70
Moderate Risk30 - 50
High Risk20 - 30
Very High Risk0 - 20
Get a comprehensive credit check for suffolk life pensions limited. Get real-time insights into suffolk life pensions limited's credit score, group structure and payment trends.
Perform a competitor analysis for suffolk life pensions limited by selecting its closest rivals, whether from the FINANCIAL AND INSURANCE ACTIVITIES sector, other large companies, companies in IP1 area or any other competitors across 12 key performance metrics.
suffolk life pensions limited Ownership
SUFFOLK LIFE PENSIONS LIMITED group structure
Suffolk Life Pensions Limited has 1 subsidiary company.
The sole shareholder of Suffolk Life Pensions Limited is Suffolk Life Group Limited.
suffolk life group limited
100%
suffolk life pensions limited directors
Suffolk Life Pensions Limited currently has 6 directors.
The longest serving directors include
Mr Alastair Clarkson (Dec 2022) and
Mr Peter Docherty (Jan 2023).
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 found 6 charges/mortgages relating to suffolk life pensions limited. Currently there are 0 open charges and 6 have been satisfied in the past.
suffolk life pensions 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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suffolk life pensions limitedCompanies House Filings - See Documents
