ramon international insurance brokers limited
ramon international insurance brokers limited Company Information
Company Number
01514441
Next Accounts
Sep 2025
Shareholders
kastor holdings limited
Group Structure
View All
Industry
Activities of insurance agents and brokers
Registered Address
69 leadenhall street, london, EC3A 2BG
Website
www.ramon.co.ukramon international insurance brokers limited Estimated Valuation
Pomanda estimates the enterprise value of RAMON INTERNATIONAL INSURANCE BROKERS LIMITED at £4.7m based on a Turnover of £4.6m and 1.03x industry multiple (adjusted for size and gross margin).
ramon international insurance brokers limited Estimated Valuation
Pomanda estimates the enterprise value of RAMON INTERNATIONAL INSURANCE BROKERS LIMITED at £1m based on an EBITDA of £182.8k and a 5.74x industry multiple (adjusted for size and gross margin).
ramon international insurance brokers limited Estimated Valuation
Pomanda estimates the enterprise value of RAMON INTERNATIONAL INSURANCE BROKERS LIMITED at £879.9k based on Net Assets of £511.9k and 1.72x industry multiple (adjusted for liquidity).
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Ramon International Insurance Brokers Limited Overview
Ramon International Insurance Brokers Limited is a live company located in london, EC3A 2BG with a Companies House number of 01514441. It operates in the activities of insurance agents and brokers sector, SIC Code 66220. Founded in August 1980, it's largest shareholder is kastor holdings limited with a 100% stake. Ramon International Insurance Brokers Limited is a mature, small sized company, Pomanda has estimated its turnover at £4.6m with rapid growth in recent years.
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Ramon International Insurance Brokers Limited Health Check
Pomanda's financial health check has awarded Ramon International Insurance Brokers Limited a 3 rating. We use a traffic light system to show it exceeds the industry average on 4 measures and has 5 areas for improvement. Company Health Check FAQs
4 Strong
1 Regular
5 Weak
Size
annual sales of £4.6m, make it larger than the average company (£3m)
£4.6m - Ramon International Insurance Brokers Limited
£3m - Industry AVG
Growth
3 year (CAGR) sales growth of 31%, show it is growing at a faster rate (6.8%)
31% - Ramon International Insurance Brokers Limited
6.8% - Industry AVG
Production
with a gross margin of 100%, this company has a comparable cost of product (95%)
100% - Ramon International Insurance Brokers Limited
95% - Industry AVG
Profitability
an operating margin of 1.2% make it less profitable than the average company (19.6%)
1.2% - Ramon International Insurance Brokers Limited
19.6% - Industry AVG
Employees
with 28 employees, this is above the industry average (19)
28 - Ramon International Insurance Brokers Limited
19 - Industry AVG
Pay Structure
on an average salary of £119.1k, the company has a higher pay structure (£52.4k)
£119.1k - Ramon International Insurance Brokers Limited
£52.4k - Industry AVG
Efficiency
resulting in sales per employee of £163.7k, this is more efficient (£126.4k)
£163.7k - Ramon International Insurance Brokers Limited
£126.4k - Industry AVG
Debtor Days
it gets paid by customers after 97 days, this is later than average (73 days)
97 days - Ramon International Insurance Brokers Limited
73 days - Industry AVG
Creditor Days
There is insufficient data available for this Key Performance Indicator!
- - Ramon International Insurance Brokers Limited
- - Industry AVG
Stock Days
There is insufficient data available for this Key Performance Indicator!
- - Ramon International Insurance Brokers Limited
- - Industry AVG
Cash Balance
has cash to cover current liabilities for 0 weeks, this is less cash available to meet short term requirements (33 weeks)
0 weeks - Ramon International Insurance Brokers Limited
33 weeks - Industry AVG
Debt Level
it has a ratio of liabilities to total assets of 89.3%, this is a higher level of debt than the average (58.1%)
89.3% - Ramon International Insurance Brokers Limited
58.1% - Industry AVG
RAMON INTERNATIONAL INSURANCE BROKERS LIMITED financials
Ramon International Insurance Brokers Limited's latest turnover from December 2023 is £4.6 million and the company has net assets of £511.9 thousand. According to their latest financial statements, Ramon International Insurance Brokers Limited has 28 employees and maintains cash reserves of £19.2 thousand 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 | 4,583,011 | 3,900,535 | 2,268,019 | 2,048,371 | 1,612,908 | 1,511,757 | 1,665,985 | 1,703,798 | 1,709,762 | 1,716,397 | 1,925,127 | 2,031,183 | 2,190,135 | 2,004,381 | 1,826,600 |
| Other Income Or Grants | |||||||||||||||
| Cost Of Sales | |||||||||||||||
| Gross Profit | 4,583,011 | 3,900,535 | 2,268,019 | 2,048,371 | |||||||||||
| Admin Expenses | 4,528,036 | 3,880,520 | 2,939,888 | 2,442,966 | |||||||||||
| Operating Profit | 54,975 | 20,015 | -671,869 | -394,595 | -387,218 | -161,888 | -118,060 | 40,452 | -87,857 | -239,947 | 90,144 | 117,632 | 351,261 | 251,911 | 161,048 |
| Interest Payable | 35,116 | 35,253 | 4,232 | ||||||||||||
| Interest Receivable | 3,591 | 7,806 | 12,755 | 30,515 | 11,913 | 11,621 | 9,889 | 9,279 | 8,336 | 14,455 | 11,661 | 13,134 | 18,260 | ||
| Pre-Tax Profit | 19,859 | -15,238 | -668,278 | -386,789 | -374,463 | -131,373 | -106,147 | 52,073 | -77,968 | -230,668 | 98,480 | 132,087 | 362,922 | 265,045 | 175,076 |
| Tax | 74,702 | -12,046 | 118,018 | 70,117 | 68,288 | 23,703 | 17,191 | 27,945 | -630 | 20,484 | -25,311 | -34,120 | -98,959 | -76,704 | -51,064 |
| Profit After Tax | 94,561 | -27,284 | -550,260 | -316,672 | -306,175 | -107,670 | -88,956 | 80,018 | -78,598 | -210,184 | 73,169 | 97,967 | 263,963 | 188,341 | 124,012 |
| Dividends Paid | 250,000 | 320,000 | |||||||||||||
| Retained Profit | 94,561 | -27,284 | -550,260 | -316,672 | -306,175 | -107,670 | -88,956 | 80,018 | -78,598 | -210,184 | 73,169 | 97,967 | 13,963 | -131,659 | 124,012 |
| Employee Costs | 3,333,900 | 2,898,712 | 2,100,644 | 1,634,391 | 1,320,919 | 1,113,892 | 1,187,345 | 1,138,394 | 1,198,452 | 1,312,396 | 1,209,107 | 1,232,258 | 1,171,850 | 1,127,485 | 1,066,065 |
| Number Of Employees | 28 | 29 | 24 | 21 | 21 | 14 | 16 | 16 | 16 | 18 | 18 | 18 | 17 | 18 | 18 |
| EBITDA* | 182,787 | 148,615 | -540,931 | -232,880 | -317,495 | -159,812 | -113,930 | 45,284 | -83,081 | -237,306 | 92,111 | 119,843 | 354,431 | 256,366 | 166,127 |
* 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 | 1,483,857 | 1,451,336 | 1,598,210 | 1,472,414 | 180,997 | 78,668 | 56,928 | 45,930 | 14,643 | 8,102 | 6,582 | 7,910 | 9,288 | 12,748 | 16,602 |
| Intangible Assets | |||||||||||||||
| Investments & Other | |||||||||||||||
| Debtors (Due After 1 year) | 390,914 | 316,212 | 328,258 | 210,240 | 140,123 | ||||||||||
| Total Fixed Assets | 1,092,943 | 1,135,124 | 1,269,952 | 1,262,174 | 180,997 | 78,668 | 56,928 | 45,930 | 14,643 | 8,102 | 6,582 | 7,910 | 9,288 | 12,748 | 16,602 |
| Stock & work in progress | |||||||||||||||
| Trade Debtors | 1,219,635 | 541,057 | 577,737 | 228,796 | 825,249 | 425,097 | 120,957 | 296,398 | 144,710 | 161,313 | 289,837 | 329,648 | 172,966 | 179,331 | 153,652 |
| Group Debtors | 453,216 | 12,250 | 496,288 | 8,344 | 158,117 | 321,716 | 125,050 | 280,797 | 354,802 | 311,088 | 396,570 | 233,033 | 247,022 | 236,005 | 628,383 |
| Misc Debtors | 1,986,690 | 2,615,428 | 2,358,225 | 1,936,961 | 3,301,265 | 3,047,107 | 2,456,001 | 2,874,730 | 112,783 | 139,922 | 103,817 | 117,382 | 117,945 | 134,267 | 124,549 |
| Cash | 19,226 | 482,298 | 83,849 | 1,083,263 | 82,112 | 318,198 | 769,702 | 794,665 | 1,964,160 | 3,166,613 | 2,893,831 | 2,511,212 | 4,217,489 | 4,482,389 | 3,359,736 |
| misc current assets | 1,750 | 1,750 | 1,750 | 1,750 | 201,750 | 201,750 | 201,750 | 151,750 | 121,750 | 121,750 | 1,750 | 101,750 | 101,750 | 249,554 | |
| total current assets | 3,682,827 | 3,655,093 | 3,520,159 | 3,261,424 | 4,568,493 | 4,313,868 | 3,673,460 | 4,448,340 | 2,728,205 | 3,900,686 | 3,805,805 | 3,193,025 | 4,857,172 | 5,133,742 | 4,515,874 |
| total assets | 4,775,770 | 4,790,217 | 4,790,111 | 4,523,598 | 4,749,490 | 4,392,536 | 3,730,388 | 4,494,270 | 2,742,848 | 3,908,788 | 3,812,387 | 3,200,935 | 4,866,460 | 5,146,490 | 4,532,476 |
| Bank overdraft | |||||||||||||||
| Bank loan | |||||||||||||||
| Trade Creditors | 2,301,527 | 2,291,638 | 2,129,733 | 1,582,418 | 15,653 | 2,932,271 | 1,972,561 | 2,949,675 | 23,801 | 2,121,507 | 3,416 | 10,563 | 13,557 | 3,719,274 | 2,867,438 |
| Group/Directors Accounts | 1,484 | ||||||||||||||
| other short term finances | |||||||||||||||
| hp & lease commitments | 119,941 | 113,903 | 105,891 | 87,199 | 16,845 | ||||||||||
| other current liabilities | 612,958 | 617,952 | 945,754 | 989,284 | 4,139,305 | 592,445 | 782,337 | 478,665 | 1,734,619 | 723,870 | 2,535,761 | 1,990,331 | 3,750,829 | 339,105 | 445,268 |
| total current liabilities | 3,034,426 | 3,023,493 | 3,181,378 | 2,658,901 | 4,171,803 | 3,524,716 | 2,754,898 | 3,429,824 | 1,758,420 | 2,845,377 | 2,539,177 | 2,000,894 | 3,764,386 | 4,058,379 | 3,312,706 |
| loans | 2,458,908 | 2,698,790 | 2,328,040 | 1,739,448 | 32,084 | ||||||||||
| hp & lease commitments | 529,454 | 649,395 | 764,020 | 869,724 | 16,042 | ||||||||||
| Accruals and Deferred Income | |||||||||||||||
| other liabilities | |||||||||||||||
| provisions | 770 | ||||||||||||||
| total long term liabilities | 1,229,454 | 1,349,395 | 1,164,020 | 869,724 | 16,042 | 385 | |||||||||
| total liabilities | 4,263,880 | 4,372,888 | 4,345,398 | 3,528,625 | 4,187,845 | 3,524,716 | 2,754,898 | 3,429,824 | 1,758,420 | 2,845,762 | 2,539,177 | 2,000,894 | 3,764,386 | 4,058,379 | 3,312,706 |
| net assets | 511,890 | 417,329 | 444,713 | 994,973 | 561,645 | 867,820 | 975,490 | 1,064,446 | 984,428 | 1,063,026 | 1,273,210 | 1,200,041 | 1,102,074 | 1,088,111 | 1,219,770 |
| total shareholders funds | 511,890 | 417,329 | 444,713 | 994,973 | 561,645 | 867,820 | 975,490 | 1,064,446 | 984,428 | 1,063,026 | 1,273,210 | 1,200,041 | 1,102,074 | 1,088,111 | 1,219,770 |
| 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 | 54,975 | 20,015 | -671,869 | -394,595 | -387,218 | -161,888 | -118,060 | 40,452 | -87,857 | -239,947 | 90,144 | 117,632 | 351,261 | 251,911 | 161,048 |
| Depreciation | 127,812 | 128,600 | 130,938 | 161,715 | 69,723 | 2,076 | 4,130 | 4,832 | 4,776 | 2,641 | 1,967 | 2,211 | 3,170 | 4,455 | 5,079 |
| Amortisation | |||||||||||||||
| Tax | 74,702 | -12,046 | 118,018 | 70,117 | 68,288 | 23,703 | 17,191 | 27,945 | -630 | 20,484 | -25,311 | -34,120 | -98,959 | -76,704 | -51,064 |
| Stock | |||||||||||||||
| Debtors | 565,508 | -275,561 | 1,376,167 | -2,040,413 | 630,834 | 1,091,912 | -749,917 | 2,839,630 | -28 | -177,901 | 110,161 | 142,130 | -11,670 | -356,981 | 906,584 |
| Creditors | 9,889 | 161,905 | 547,315 | 1,566,765 | -2,916,618 | 959,710 | -977,114 | 2,925,874 | -2,097,706 | 2,118,091 | -7,147 | -2,994 | -3,705,717 | 851,836 | 2,867,438 |
| Accruals and Deferred Income | -4,994 | -327,802 | -43,530 | -3,150,021 | 3,546,860 | -189,892 | 303,672 | -1,255,954 | 1,010,749 | -1,811,891 | 545,430 | -1,760,498 | 3,411,724 | -106,163 | 445,268 |
| Deferred Taxes & Provisions | -770 | 770 | |||||||||||||
| Cash flow from operations | -303,124 | 246,233 | -1,295,295 | 294,394 | -249,799 | -458,203 | -20,264 | -1,096,481 | -1,171,410 | 268,049 | 494,922 | -1,819,899 | -26,851 | 1,282,316 | 2,521,185 |
| Investing Activities | |||||||||||||||
| capital expenditure | |||||||||||||||
| Change in Investments | |||||||||||||||
| cash flow from investments | |||||||||||||||
| Financing Activities | |||||||||||||||
| Bank loans | |||||||||||||||
| Group/Directors Accounts | -1,484 | 1,484 | |||||||||||||
| Other Short Term Loans | |||||||||||||||
| Long term loans | -239,882 | 370,750 | 588,592 | 1,707,364 | 32,084 | ||||||||||
| Hire Purchase and Lease Commitments | -113,903 | -106,613 | -87,012 | 924,036 | 32,887 | ||||||||||
| other long term liabilities | |||||||||||||||
| share issue | |||||||||||||||
| interest | -35,116 | -35,253 | 3,591 | 7,806 | 12,755 | 30,515 | 11,913 | 11,621 | 9,889 | 9,279 | 8,336 | 14,455 | 11,661 | 13,134 | 14,028 |
| cash flow from financing | -388,901 | 228,784 | 505,171 | 3,389,206 | 77,726 | 30,515 | 10,429 | 13,105 | 9,889 | 9,279 | 8,336 | 14,455 | 11,661 | 13,134 | 1,109,786 |
| cash and cash equivalents | |||||||||||||||
| cash | -463,072 | 398,449 | -999,414 | 1,001,151 | -236,086 | -451,504 | -24,963 | -1,169,495 | -1,202,453 | 272,782 | 382,619 | -1,706,277 | -264,900 | 1,122,653 | 3,359,736 |
| overdraft | |||||||||||||||
| change in cash | -463,072 | 398,449 | -999,414 | 1,001,151 | -236,086 | -451,504 | -24,963 | -1,169,495 | -1,202,453 | 272,782 | 382,619 | -1,706,277 | -264,900 | 1,122,653 | 3,359,736 |
ramon international insurance brokers limited Credit Report and Business Information
Ramon International Insurance Brokers Limited Competitor Analysis
Perform a competitor analysis for ramon international insurance brokers limited by selecting its closest rivals, whether from the FINANCIAL AND INSURANCE ACTIVITIES sector, other small companies, companies in EC3A area or any other competitors across 12 key performance metrics.
ramon international insurance brokers limited Ownership
RAMON INTERNATIONAL INSURANCE BROKERS LIMITED group structure
Ramon International Insurance Brokers Limited has 1 subsidiary company.
Ultimate parent company
ZIM INTEGRATED SHIPPING SERVICES LTD
#0049802
2 parents
RAMON INTERNATIONAL INSURANCE BROKERS LIMITED
01514441
1 subsidiary
ramon international insurance brokers limited directors
Ramon International Insurance Brokers Limited currently has 5 directors. The longest serving directors include Mr Paul Wells (Mar 2004) and Mr Nicholas Andrews (May 2019).
| officer | country | age | start | end | role |
|---|---|---|---|---|---|
| Mr Paul Wells | England | 54 years | Mar 2004 | - | Director |
| Mr Nicholas Andrews | England | 64 years | May 2019 | - | Director |
| Mr Greg Mead | England | 57 years | Jul 2022 | - | Director |
| Mr Stephen Smith | England | 62 years | Jul 2022 | - | Director |
| Mrs Beverley Curtis | England | 54 years | Dec 2024 | - | Director |
P&L
December 2023turnover
4.6m
+17%
operating profit
55k
+175%
gross margin
100%
0%
turnover
Turnover, or revenue, is the amount of sales generated by a company within the financial year.
Balance Sheet
December 2023net assets
511.9k
+0.23%
total assets
4.8m
0%
cash
19.2k
-0.96%
net assets
Total assets minus all liabilities
ramon international insurance brokers limited company details
company number
01514441
Type
Private limited with Share Capital
industry
66220 - Activities of insurance agents and brokers
incorporation date
August 1980
age
45
incorporated
UK
ultimate parent company
accounts
Full Accounts
last accounts submitted
December 2023
previous names
N/A
accountant
-
auditor
LAWRENCE GRANT LLP
address
69 leadenhall street, london, EC3A 2BG
Bank
-
Legal Advisor
-
ramon international insurance brokers 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 found 2 charges/mortgages relating to ramon international insurance brokers limited. Currently there are 2 open charges and 0 have been satisfied in the past.
ramon international insurance brokers 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.
Click to start generating capital raising & share issue transactions for RAMON INTERNATIONAL INSURANCE BROKERS LIMITED. This can take several minutes, an email will notify you when this has completed.
ramon international insurance brokers limited Companies House Filings - See Documents
| date | description | view/download |
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