Financial Roots Limited

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financial roots limited Company Information

Live

MatureMicroRapid

Company Number

02478598

Website

roots-finance.com

Registered Address

wisteria house, green lane, burnham on crouch, essex, CM0 8PU

Industry

Accounting, and auditing activities

Telephone

01621783666

Next Accounts Due

November 2024

Group Structure

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Directors

Michael Georgiades32 Years

Shareholders

colin stanley delgaty 50%

peter robert chorley 27.3%

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financial roots limited Estimated Valuation

£59.2k

Pomanda estimates the enterprise value of FINANCIAL ROOTS LIMITED at £59.2k based on a Turnover of £76.3k and 0.78x industry multiple (adjusted for size and gross margin).

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Financial Roots Limited is a live company located in burnham on crouch, CM0 8PU with a Companies House number of 02478598. It operates in the accounting and auditing activities sector, SIC Code 69201. Founded in March 1990, it's largest shareholder is colin stanley delgaty with a 50% stake. Financial Roots Limited is a mature, micro sized company, Pomanda has estimated its turnover at £76.3k with rapid growth in recent years.

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Pomanda's financial health check has awarded Financial Roots Limited a 2.5 rating. We use a traffic light system to show it exceeds the industry average on 3 measures and has 5 areas for improvement. Company Health Check FAQs

Health Rating2.5out of 5

3 Strong

2 Regular

5 Weak

Size

annual sales of £76.3k, make it smaller than the average company (£144.9k)

Growth

3 year (CAGR) sales growth of 66%, show it is growing at a faster rate (6%)

EXPORT

Financial Roots Limited's latest turnover from February 2023 is estimated at £76.3 thousand and the company has net assets of £23.4 thousand. According to their latest financial statements, Financial Roots Limited has 3 employees and maintains cash reserves of 0 as reported in the balance sheet.

Data source: Companies House, Pomanda Estimates

	Feb 2023	Feb 2022	Feb 2021	Feb 2020	Feb 2019	Feb 2018	Feb 2017	Feb 2016	Feb 2015	Feb 2014	Feb 2013	Feb 2012	Feb 2011	Feb 2010
Turnover	76,265	6,349	13,755	16,781	15,755	17,281	46,741	45,041	49,075	50,704	31,105	52,133	67,374	42,826
Other Income Or Grants	0	0	0	0	0	0	0	0	0	0	0	0	0	0
Cost Of Sales	40,495	38	30	75	52	78	140	73	18,785	17,838	11,520	17,982	24,028	21,639
Gross Profit	35,770	6,311	13,725	16,706	15,703	17,203	46,601	44,968	30,290	32,866	19,585	34,151	43,346	21,187
Admin Expenses	35,170	11,538	7,360	5,744	4,618	6,666	14,826	12,497	28,745	25,474	14,241	34,160	43,515	21,108
Operating Profit	600	-5,227	6,365	10,962	11,085	10,537	31,775	32,471	1,545	7,392	5,344	-9	-169	79
Interest Payable	0	0	0	0	0	0	0	0	0	0	0	0	0	0
Interest Receivable	0	0	0	0	0	0	0	0	45	36	42	74	111	58
Pre-Tax Profit	600	-6,461	6,444	11,066	11,171	10,712	32,510	32,770	1,590	7,429	5,386	65	-58	138
Tax	-114	1,234	-1,288	-2,187	-2,192	-2,177	-7,080	-6,749	-334	-1,709	-1,293	-17	0	-38
Profit After Tax	486	-5,227	5,156	8,879	8,979	8,535	25,430	26,021	1,256	5,720	4,093	48	-58	99
Dividends Paid	0	0	0	0	0	0	0	0	0	0	0	0	0	0
Retained Profit	486	-5,227	5,156	8,879	8,979	8,535	25,430	26,021	1,256	5,720	4,093	48	-58	99
Employee Costs	67,500	4,530	3,258	2,146	2,037	3,541	4,126	5,888	30,162	30,514	27,994	27,306	27,193	26,422
Number Of Employees	3	1	1	1	1	1	1	1	1	1	1	1	1	1
EBITDA*	600	-5,227	6,748	11,345	11,468	10,920	38,154	36,225	1,817	7,392	5,344	698	776	1,201

* Earnings Before Interest, Tax, Depreciation and Amortisation

	Feb 2023	Feb 2022	Feb 2021	Feb 2020	Feb 2019	Feb 2018	Feb 2017	Feb 2016	Feb 2015	Feb 2014	Feb 2013	Feb 2012	Feb 2011	Feb 2010
Tangible Assets	275	275	275	658	1,041	1,424	1,528	26,182	819	1,091	1	1	708	1,653
Intangible Assets	0	0	0	0	0	0	0	0	0	0	0	0	0	0
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	275	275	275	658	1,041	1,424	1,528	26,182	819	1,091	1	1	708	1,653
Stock & work in progress	0	0	0	0	0	0	0	0	0	0	0	0	0	0
Trade Debtors	31,802	25,751	38,306	36,298	30,269	40,222	47,640	9,501	12,958	14,212	7,709	13,206	16,257	10,496
Group Debtors	0	0	0	0	0	0	0	0	0	0	0	0	0	0
Misc Debtors	0	0	116	0	0	0	0	0	0	0	0	0	0	0
Cash	0	0	0	0	0	0	0	10,247	11,849	6,176	8,407	8,253	21,207	23,328
misc current assets	0	0	0	0	0	0	0	0	0	0	0	0	0	0
total current assets	31,802	25,751	38,422	36,298	30,269	40,222	47,640	19,748	24,807	20,388	16,116	21,459	37,464	33,824
total assets	32,077	26,026	38,697	36,956	31,310	41,646	49,168	45,930	25,626	21,479	16,117	21,460	38,172	35,477
Bank overdraft	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
Trade Creditors	8,628	3,093	7,352	7,547	7,560	23,655	31,733	44,061	14,212	11,231	11,616	21,009	37,845	35,209
Group/Directors Accounts	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	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	0	0	0	0	0	0	0	0	0	0	0	0	0	0
total current liabilities	8,628	3,093	7,352	7,547	7,560	23,655	31,733	44,061	14,212	11,231	11,616	21,009	37,845	35,209
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	65	35	0	0	0	0	69	0	0	0	0	0	0	0
other liabilities	0	0	0	0	0	0	0	0	0	0	0	0	0	0
provisions	0	0	0	0	0	0	0	562	128	218	191	234	158	41
total long term liabilities	65	35	0	0	0	0	69	562	128	218	191	234	158	41
total liabilities	8,693	3,128	7,352	7,547	7,560	23,655	31,802	44,623	14,340	11,449	11,807	21,243	38,003	35,250
net assets	23,384	22,898	31,345	29,409	23,750	17,991	17,366	1,307	11,286	10,030	4,310	217	169	227
total shareholders funds	23,384	22,898	31,345	29,409	23,750	17,991	17,366	1,307	11,286	10,030	4,310	217	169	227

	Feb 2023	Feb 2022	Feb 2021	Feb 2020	Feb 2019	Feb 2018	Feb 2017	Feb 2016	Feb 2015	Feb 2014	Feb 2013	Feb 2012	Feb 2011	Feb 2010
Operating Activities
Operating Profit	600	-5,227	6,365	10,962	11,085	10,537	31,775	32,471	1,545	7,392	5,344	-9	-169	79
Depreciation	0	0	383	383	383	383	6,379	3,754	272	0	0	707	945	1,122
Amortisation	0	0	0	0	0	0	0	0	0	0	0	0	0	0
Tax	-114	1,234	-1,288	-2,187	-2,192	-2,177	-7,080	-6,749	-334	-1,709	-1,293	-17	0	-38
Stock	0	0	0	0	0	0	0	0	0	0	0	0	0	0
Debtors	6,051	-12,671	2,124	6,029	-9,953	-7,418	38,139	-3,457	-1,254	6,503	-5,497	-3,051	5,761	10,496
Creditors	5,535	-4,259	-195	-13	-16,095	-8,078	-12,328	29,849	2,981	-385	-9,393	-16,836	2,636	35,209
Accruals and Deferred Income	30	35	0	0	0	-69	69	0	0	0	0	0	0	0
Deferred Taxes & Provisions	0	0	0	0	0	0	-562	434	-90	27	-43	76	117	41
Cash flow from operations	0	4,454	3,141	3,116	3,134	8,014	-19,886	63,216	5,628	-1,178	112	-13,028	-2,232	25,917
Investing Activities
capital expenditure	0	0	0	0	0	-279	18,275	-29,117	0	-1,090	0	0	0	-2,775
Change in Investments	0	0	0	0	0	0	0	0	0	0	0	0	0	0
cash flow from investments	0	0	0	0	0	-279	18,275	-29,117	0	-1,090	0	0	0	-2,775
Financing Activities
Bank loans	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
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	0	0	0	0	0	0	0	0	0	0	0	0	0	0
share issue	0	-3,220	-3,220	-3,220	-3,220	-7,910	-9,371	-36,000	0	0	0	0	0	128
interest	0	0	0	0	0	0	0	0	45	36	42	74	111	58
cash flow from financing	0	-3,220	-3,220	-3,220	-3,220	-7,910	-9,371	-36,000	45	36	42	74	111	186
cash and cash equivalents
cash	0	0	0	0	0	0	-10,247	-1,602	5,673	-2,231	154	-12,954	-2,121	23,328
overdraft	0	0	0	0	0	0	0	0	0	0	0	0	0	0
change in cash	0	0	0	0	0	0	-10,247	-1,602	5,673	-2,231	154	-12,954	-2,121	23,328

Very Low Risk70 - 100

Low Risk50 - 70

Moderate Risk30 - 50

High Risk20 - 30

Very High Risk0 - 20

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FINANCIAL ROOTS LIMITED group structure

Financial Roots Limited has no subsidiary companies.

Ultimate parent company

FINANCIAL ROOTS LIMITED

02478598

FINANCIAL ROOTS LIMITED Shareholders

colin stanley delgaty	50%
peter robert chorley	27.34%
michael georgiades	22.66%

Financial Roots Limited currently has 1 director, Mr Michael Georgiades serving since Nov 1991.

officer	country	age	start	end	role
Mr Michael Georgiades	England	76 years	Nov 1991	-	Director

P&L

February 2023

turnover

76.3k

+1101%

operating profit

600

gross margin

47%

-52.82%

turnover

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

Balance Sheet

February 2023

net assets

23.4k

+0.02%

total assets

32.1k

+0.23%

cash

net assets

Total assets minus all liabilities

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company number

02478598

Type

Private limited with Share Capital

industry

69201 - Accounting, and auditing activities

incorporation date

March 1990

accounts

Micro-Entity Accounts

ultimate parent company

None

previous names

finecharge limited (April 1990)

last accounts submitted

February 2023

address

wisteria house, green lane, burnham on crouch, essex, CM0 8PU

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.

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financial roots limited Company Information

financial roots limited Estimated Valuation

financial roots limited Estimated Valuation

financial roots limited Estimated Valuation

Financial Roots Limited Overview

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