Brownlow Wealth Management Ltd

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brownlow wealth management ltd Company Information

Company Number

01311922

Next Accounts

Sep 2025

Directors

James Rudd

Shareholders

james napier rudd

trustee of the rudd settlement 2016

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Group Structure

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Industry

Activities of insurance agents and brokers

Registered Address

piggeries 1 widbury barns, widbury hill, ware, herts, SG12 7QE

Website

www.brownlow.co.uk

brownlow wealth management ltd Estimated Valuation

£318.6k

Pomanda estimates the enterprise value of BROWNLOW WEALTH MANAGEMENT LTD at £318.6k based on Net Assets of £185.4k and 1.72x industry multiple (adjusted for liquidity).

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Brownlow Wealth Management Ltd is a live company located in ware, SG12 7QE with a Companies House number of 01311922. It operates in the activities of insurance agents and brokers sector, SIC Code 66220. Founded in May 1977, it's largest shareholder is james napier rudd with a 70% stake. Brownlow Wealth Management Ltd is a mature, micro sized company, Pomanda has estimated its turnover at £97.2k with declining growth in recent years.

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Pomanda's financial health check has awarded Brownlow Wealth Management Ltd a 3.5 rating. We use a traffic light system to show it exceeds the industry average on 4 measures and has 6 areas for improvement. Company Health Check FAQs

Health Rating3.5out of 5

4 Strong

1 Regular

6 Weak

Size

annual sales of £97.2k, make it smaller than the average company (£3m)

Growth

3 year (CAGR) sales growth of -16%, show it is growing at a slower rate (6.9%)

EXPORT

Brownlow Wealth Management Ltd's latest turnover from December 2023 is estimated at £97.2 thousand and the company has net assets of £185.4 thousand. According to their latest financial statements, Brownlow Wealth Management Ltd has 2 employees and maintains cash reserves of £133.4 thousand as reported in the balance sheet.

Data source: Companies House, Pomanda Estimates

	Dec 2023	Dec 2022	Dec 2021	Dec 2020	Nov 2019	Nov 2018	Nov 2017	Nov 2016	Nov 2015	Nov 2014	Nov 2013	Nov 2012	Nov 2011	Nov 2010	Nov 2009
Turnover	97,230	134,855	117,452	164,875	152,374	133,914	172,802	174,339	10,511	42,398	27,870	66,240	20,346	7,433
Other Income Or Grants
Cost Of Sales	38,082	51,768	45,502	66,784	69,276	52,331	80,785	73,377	4,998	20,668	14,938	35,176	11,740	3,929
Gross Profit	59,147	83,087	71,950	98,091	83,097	81,583	92,017	100,962	5,513	21,729	12,932	31,064	8,605	3,504
Admin Expenses	114,656	85,769	50,905	67,932	77,444	81,632	82,482	37,296	18,117	-15,609	-110,765	-5,429	22,755	9,018	6,421
Operating Profit	-55,509	-2,682	21,045	30,159	5,653	-49	9,535	63,666	-12,604	37,338	123,697	36,493	-14,150	-5,514	-6,421
Interest Payable
Interest Receivable	10,678	8,981	582	202	1,376	1,417	917	389	656	604	316	63	107	107	29
Pre-Tax Profit	-44,831	6,299	21,627	30,362	7,030	1,368	10,452	64,055	-11,948	37,942	124,013	36,555	-14,043	-5,407	-6,392
Tax		-1,197	-4,109	-5,769	-1,336	-260	-1,986	-12,811		-7,968	-28,523	-8,773
Profit After Tax	-44,831	5,102	17,518	24,593	5,694	1,108	8,466	51,244	-11,948	29,974	95,490	27,782	-14,043	-5,407	-6,392
Dividends Paid
Retained Profit	-44,831	5,102	17,518	24,593	5,694	1,108	8,466	51,244	-11,948	29,974	95,490	27,782	-14,043	-5,407	-6,392
Employee Costs	104,654	99,263	101,289	150,369	139,500	132,014	174,572	171,436	42,708	40,997	40,465	39,655	39,527	39,596
Number Of Employees	2	2	2	3	3	3	4	4	1	1	1	1	1	1
EBITDA*	-36,305	4,179	22,190	31,849	7,342	2,097	11,969	65,865	-9,972	38,907	125,145	58,850	29,619	62,562	-4,447

* Earnings Before Interest, Tax, Depreciation and Amortisation

	Dec 2023	Dec 2022	Dec 2021	Dec 2020	Nov 2019	Nov 2018	Nov 2017	Nov 2016	Nov 2015	Nov 2014	Nov 2013	Nov 2012	Nov 2011	Nov 2010	Nov 2009
Tangible Assets	75,776	1,384	4,233	4,549	5,069	6,438	7,302	6,485	7,893	4,629	4,342	4,270	5,309	3,621	4,307
Intangible Assets	22,042	26,609											21,000	43,000	60,000
Investments & Other
Debtors (Due After 1 year)
Total Fixed Assets	97,818	27,993	4,233	4,549	5,069	6,438	7,302	6,485	7,893	4,629	4,342	4,270	26,309	46,621	64,307
Stock & work in progress
Trade Debtors	8,278		46,383	26,128	37,834	29,577	28,292	38,234	5,443	26,895	17,500	43,833	13,507		34,216
Group Debtors
Misc Debtors				700	5,750	878	11,443	13,672
Cash	133,397	273,386	239,796	226,015	178,809	188,229	189,660	177,219	133,617	128,796	112,868	13,687	11,390	31,259	11,524
misc current assets
total current assets	141,675	273,386	286,179	252,843	222,393	218,684	229,395	229,125	139,060	155,691	130,368	57,520	24,897	31,259	45,740
total assets	239,493	301,379	290,412	257,392	227,462	225,122	236,697	235,610	146,953	160,320	134,710	61,790	51,206	77,880	110,047
Bank overdraft
Bank loan
Trade Creditors	39,969	70,935	64,381		4,886	5,182	14,357	14,940	30,497	31,916	36,280	34,129	45,083	45,683	13,361
Group/Directors Accounts
other short term finances
hp & lease commitments
other current liabilities				48,967	38,645	41,686	44,787	52,970
total current liabilities	39,969	70,935	64,381	48,967	43,531	46,868	59,144	67,910	30,497	31,916	36,280	34,129	45,083	45,683	13,361
loans
hp & lease commitments
Accruals and Deferred Income
other liabilities												24,721	30,965	42,996	102,078
provisions	14,174	263	952	864	963	980	1,387
total long term liabilities	14,174	263	952	864	963	980	1,387					24,721	30,965	42,996	102,078
total liabilities	54,143	71,198	65,333	49,831	44,494	47,848	60,531	67,910	30,497	31,916	36,280	58,850	76,048	88,679	115,439
net assets	185,350	230,181	225,079	207,561	182,968	177,274	176,166	167,700	116,456	128,404	98,430	2,940	-24,842	-10,799	-5,392
total shareholders funds	185,350	230,181	225,079	207,561	182,968	177,274	176,166	167,700	116,456	128,404	98,430	2,940	-24,842	-10,799	-5,392

	Dec 2023	Dec 2022	Dec 2021	Dec 2020	Nov 2019	Nov 2018	Nov 2017	Nov 2016	Nov 2015	Nov 2014	Nov 2013	Nov 2012	Nov 2011	Nov 2010	Nov 2009
Operating Activities
Operating Profit	-55,509	-2,682	21,045	30,159	5,653	-49	9,535	63,666	-12,604	37,338	123,697	36,493	-14,150	-5,514	-6,421
Depreciation	12,552	209	1,145	1,690	1,689	2,146	2,434	2,199	2,632	1,569	1,448	1,357	1,769	1,076	1,974
Amortisation	6,652	6,652										21,000	42,000	67,000
Tax		-1,197	-4,109	-5,769	-1,336	-260	-1,986	-12,811		-7,968	-28,523	-8,773
Stock
Debtors	8,278	-46,383	19,555	-16,756	13,129	-9,280	-12,171	46,463	-21,452	9,395	-26,333	30,326	13,507	-34,216	34,216
Creditors	-30,966	6,554	64,381	-4,886	-296	-9,175	-583	-15,557	-1,419	-4,364	2,151	-10,954	-600	32,322	13,361
Accruals and Deferred Income			-48,967	10,322	-3,041	-3,101	-8,183	52,970
Deferred Taxes & Provisions	13,911	-689	88	-99	-17	-407	1,387
Cash flow from operations	-61,638	55,230	14,028	48,173	-10,477	-1,566	14,775	44,004	10,061	17,180	125,106	8,797	15,512	129,100	-25,302
Investing Activities
capital expenditure	-89,029	-30,621	-829	-1,170	-320	-1,282	-3,251	-791	-5,896	-1,856	-1,520	-318	-23,457	-50,390	-66,281
Change in Investments
cash flow from investments	-89,029	-30,621	-829	-1,170	-320	-1,282	-3,251	-791	-5,896	-1,856	-1,520	-318	-23,457	-50,390	-66,281
Financing Activities
Bank loans
Group/Directors Accounts
Other Short Term Loans
Long term loans
Hire Purchase and Lease Commitments
other long term liabilities											-24,721	-6,244	-12,031	-59,082	102,078
share issue															1,000
interest	10,678	8,981	582	202	1,376	1,417	917	389	656	604	316	63	107	107	29
cash flow from financing	10,678	8,981	582	202	1,376	1,417	917	389	656	604	-24,405	-6,181	-11,924	-58,975	103,107
cash and cash equivalents
cash	-139,989	33,590	13,781	47,206	-9,420	-1,431	12,441	43,602	4,821	15,928	99,181	2,297	-19,869	19,735	11,524
overdraft
change in cash	-139,989	33,590	13,781	47,206	-9,420	-1,431	12,441	43,602	4,821	15,928	99,181	2,297	-19,869	19,735	11,524

Very Low Risk70 - 100

Low Risk50 - 70

Moderate Risk30 - 50

High Risk20 - 30

Very High Risk0 - 20

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BROWNLOW WEALTH MANAGEMENT LTD group structure

Brownlow Wealth Management Ltd has no subsidiary companies.

Ultimate parent company

BROWNLOW WEALTH MANAGEMENT LTD

01311922

BROWNLOW WEALTH MANAGEMENT LTD Shareholders

james napier rudd	70%
trustee of the rudd settlement 2016	20%
charlotte helena rudd	10%

Brownlow Wealth Management Ltd currently has 1 director, Mr James Rudd serving since Oct 2004.

officer	country	age	start	end	role
Mr James Rudd		56 years	Oct 2004	-	Director

P&L

December 2023

turnover

97.2k

-28%

operating profit

-55.5k

gross margin

60.9%

-1.27%

turnover

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

Balance Sheet

December 2023

net assets

185.4k

-0.19%

total assets

239.5k

-0.21%

cash

133.4k

-0.51%

net assets

Total assets minus all liabilities

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company number

01311922

Type

Private limited with Share Capital

industry

66220 - Activities of insurance agents and brokers

incorporation date

May 1977

ultimate parent company

None

previous names

brownlow independent financial advisors limited (September 2010)

whitchurch insurance consultants limited (August 1987)

address

piggeries 1 widbury barns, widbury hill, ware, herts, SG12 7QE

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 1 charges/mortgages relating to brownlow wealth management ltd. Currently there are 0 open charges and 1 have been satisfied in the past.

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brownlow wealth management ltd Company Information

brownlow wealth management ltd Estimated Valuation

brownlow wealth management ltd Estimated Valuation

brownlow wealth management ltd Estimated Valuation

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BROWNLOW WEALTH MANAGEMENT LTD financials

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