personal investment management and financial advice association
personal investment management and financial advice association Company Information
Group Structure
View All
Industry
Activities of other membership organisations n.e.c.
Registered Address
69 carter lane, london, EC4V 5EQ
Website
http://pimfa.co.ukpersonal investment management and financial advice association Estimated Valuation
Pomanda estimates the enterprise value of PERSONAL INVESTMENT MANAGEMENT AND FINANCIAL ADVICE ASSOCIATION at £4m based on a Turnover of £3.9m and 1.01x industry multiple (adjusted for size and gross margin).
personal investment management and financial advice association Estimated Valuation
Pomanda estimates the enterprise value of PERSONAL INVESTMENT MANAGEMENT AND FINANCIAL ADVICE ASSOCIATION at £1.3m based on an EBITDA of £190.1k and a 6.76x industry multiple (adjusted for size and gross margin).
personal investment management and financial advice association Estimated Valuation
Pomanda estimates the enterprise value of PERSONAL INVESTMENT MANAGEMENT AND FINANCIAL ADVICE ASSOCIATION at £4m based on Net Assets of £1.6m and 2.45x industry multiple (adjusted for liquidity).
Edit your figures and get a professional valuation report.
Personal Investment Management And Financial Advice Association Overview
Personal Investment Management And Financial Advice Association is a live company located in london, EC4V 5EQ with a Companies House number of 02991400. It operates in the activities of other membership organizations n.e.c. sector, SIC Code 94990. Founded in November 1994, it's largest shareholder is unknown. Personal Investment Management And Financial Advice Association is a mature, small sized company, Pomanda has estimated its turnover at £3.9m with healthy growth in recent years.
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Personal Investment Management And Financial Advice Association Health Check
Pomanda's financial health check has awarded Personal Investment Management And Financial Advice Association a 5 rating. We use a traffic light system to show it exceeds the industry average on 7 measures and has 3 areas for improvement. Company Health Check FAQs
7 Strong
1 Regular
3 Weak
Size
annual sales of £3.9m, make it larger than the average company (£403.4k)
£3.9m - Personal Investment Management And Financial Advice Association
£403.4k - Industry AVG
Growth
3 year (CAGR) sales growth of 11%, show it is growing at a faster rate (7.8%)
11% - Personal Investment Management And Financial Advice Association
7.8% - Industry AVG
Production
with a gross margin of 90.2%, this company has a comparable cost of product (95.1%)
90.2% - Personal Investment Management And Financial Advice Association
95.1% - Industry AVG
Profitability
an operating margin of 4.4% make it more profitable than the average company (1.5%)
4.4% - Personal Investment Management And Financial Advice Association
1.5% - Industry AVG
Employees
with 30 employees, this is above the industry average (11)
30 - Personal Investment Management And Financial Advice Association
11 - Industry AVG
Pay Structure
on an average salary of £98k, the company has a higher pay structure (£27.5k)
£98k - Personal Investment Management And Financial Advice Association
£27.5k - Industry AVG
Efficiency
resulting in sales per employee of £131.2k, this is more efficient (£52.1k)
£131.2k - Personal Investment Management And Financial Advice Association
£52.1k - Industry AVG
Debtor Days
it gets paid by customers after 6 days, this is earlier than average (12 days)
6 days - Personal Investment Management And Financial Advice Association
12 days - Industry AVG
Creditor Days
its suppliers are paid after 111 days, this is slower than average (30 days)
111 days - Personal Investment Management And Financial Advice Association
30 days - Industry AVG
Stock Days
There is insufficient data available for this Key Performance Indicator!
- - Personal Investment Management And Financial Advice Association
- - Industry AVG
Cash Balance
has cash to cover current liabilities for 79 weeks, this is less cash available to meet short term requirements (149 weeks)
79 weeks - Personal Investment Management And Financial Advice Association
149 weeks - Industry AVG
Debt Level
it has a ratio of liabilities to total assets of 33.7%, this is a higher level of debt than the average (20.1%)
33.7% - Personal Investment Management And Financial Advice Association
20.1% - Industry AVG
PERSONAL INVESTMENT MANAGEMENT AND FINANCIAL ADVICE ASSOCIATION financials
Personal Investment Management And Financial Advice Association's latest turnover from May 2024 is £3.9 million and the company has net assets of £1.6 million. According to their latest financial statements, Personal Investment Management And Financial Advice Association has 30 employees and maintains cash reserves of £1.3 million as reported in the balance sheet.
Data source: Companies House, Pomanda Estimates
| May 2024 | May 2023 | May 2022 | May 2021 | May 2020 | May 2019 | May 2018 | May 2017 | May 2016 | May 2015 | May 2014 | May 2013 | May 2012 | May 2011 | May 2010 | |
|---|---|---|---|---|---|---|---|---|---|---|---|---|---|---|---|
| Turnover | 3,936,888 | 3,385,547 | 2,827,754 | 2,910,648 | 3,207,002 | 3,333,888 | 2,594,742 | 2,217,694 | 2,126,692 | 1,887,448 | 1,852,822 | 1,790,274 | 1,688,237 | 1,682,677 | 1,546,065 |
| Other Income Or Grants | |||||||||||||||
| Cost Of Sales | 384,451 | 231,227 | 82,335 | 86,824 | 217,477 | 378,549 | 197,586 | 232,919 | 195,714 | 121,659 | 161,507 | 151,897 | 125,438 | 111,634 | 101,073 |
| Gross Profit | 3,552,437 | 3,154,320 | 2,745,419 | 2,823,824 | 2,989,525 | 2,955,339 | 2,397,156 | 1,984,775 | 1,930,978 | 1,765,789 | 1,691,315 | 1,638,377 | 1,562,799 | 1,571,043 | 1,444,992 |
| Admin Expenses | 3,380,685 | 3,129,435 | 2,628,251 | 2,763,465 | 3,183,367 | 2,870,880 | 2,417,758 | 1,967,115 | 2,037,130 | 2,080,353 | 1,920,767 | 1,698,300 | 1,654,026 | 1,495,332 | 1,321,047 |
| Operating Profit | 171,752 | 24,885 | 117,168 | 60,359 | -193,842 | 84,459 | -20,602 | 17,660 | -106,152 | -314,564 | -229,452 | -59,923 | -91,227 | 75,711 | 123,945 |
| Interest Payable | |||||||||||||||
| Interest Receivable | 70,673 | 14,948 | 1,570 | 3,752 | 11,326 | 8,436 | 7,606 | 9,263 | 10,079 | 23,897 | 35,609 | 20,189 | 9,429 | 12,507 | |
| Pre-Tax Profit | 242,425 | 39,833 | 118,738 | 64,111 | -182,516 | 92,895 | -79,767 | -34,457 | -25,150 | -282,715 | -180,775 | -32,817 | -68,778 | 99,434 | 142,506 |
| Tax | 295 | 11,197 | -1,547 | -21,070 | -39,306 | ||||||||||
| Profit After Tax | 242,425 | 39,833 | 118,738 | 64,111 | -182,516 | 92,895 | -79,767 | -34,457 | -25,150 | -282,715 | -180,480 | -21,620 | -70,325 | 78,364 | 103,200 |
| Dividends Paid | |||||||||||||||
| Retained Profit | 242,425 | 39,833 | 118,738 | 64,111 | -182,516 | 92,895 | -79,767 | -34,457 | -25,150 | -282,715 | -180,480 | -21,620 | -70,325 | 78,364 | 103,200 |
| Employee Costs | 2,938,760 | 2,519,594 | 2,173,482 | 2,129,849 | 2,262,618 | 2,033,461 | 1,707,310 | 1,336,453 | 1,305,259 | 1,282,400 | 1,244,933 | 1,119,193 | 1,072,749 | 1,022,590 | 903,352 |
| Number Of Employees | 30 | 28 | 26 | 28 | 29 | 29 | 24 | 18 | 19 | 15 | 10 | 10 | |||
| EBITDA* | 190,134 | 37,251 | 127,634 | 128,904 | -127,069 | 117,319 | -15,233 | 23,565 | -100,594 | -307,821 | -221,758 | -51,223 | -72,348 | 92,064 | 139,838 |
* Earnings Before Interest, Tax, Depreciation and Amortisation
| May 2024 | May 2023 | May 2022 | May 2021 | May 2020 | May 2019 | May 2018 | May 2017 | May 2016 | May 2015 | May 2014 | May 2013 | May 2012 | May 2011 | May 2010 | |
|---|---|---|---|---|---|---|---|---|---|---|---|---|---|---|---|
| Tangible Assets | 12,771 | 23,750 | 28,699 | 27,238 | 74,078 | 110,085 | 20,534 | 10,059 | 12,613 | 15,609 | 10,493 | 11,108 | 19,181 | 36,946 | 249,651 |
| Intangible Assets | |||||||||||||||
| Investments & Other | 1 | 1 | 1 | ||||||||||||
| Debtors (Due After 1 year) | |||||||||||||||
| Total Fixed Assets | 12,772 | 23,751 | 28,700 | 27,238 | 74,078 | 110,085 | 20,534 | 10,059 | 12,613 | 15,609 | 10,493 | 11,108 | 19,181 | 36,946 | 249,651 |
| Stock & work in progress | |||||||||||||||
| Trade Debtors | 69,333 | 305,222 | 1,784,999 | 2,350,856 | 1,921,768 | 57,427 | 106,646 | 48,761 | 112,519 | 66,129 | 25,702 | 61,481 | 21,041 | 6,775 | |
| Group Debtors | 132,599 | 90,802 | 20,710 | ||||||||||||
| Misc Debtors | 230,806 | 146,894 | 94,042 | 161,467 | 229,079 | 268,565 | 205,252 | 176,805 | 92,673 | 87,494 | 94,246 | 122,427 | 100,695 | 78,516 | |
| Cash | 1,272,203 | 1,664,167 | 1,417,774 | 1,104,520 | 1,411,668 | 1,232,619 | 1,337,082 | 1,157,074 | 1,017,628 | 1,328,184 | 1,600,183 | 1,716,343 | 1,715,470 | 1,770,134 | 1,754,365 |
| misc current assets | 751,177 | 360,817 | 357,483 | 356,387 | 276,264 | 150,217 | 455,422 | 450,000 | 225,736 | 226,114 | 222,077 | 225,162 | 220,559 | ||
| total current assets | 2,456,118 | 2,567,902 | 3,675,008 | 3,973,230 | 3,562,515 | 1,834,875 | 1,799,197 | 1,838,062 | 1,672,820 | 1,707,543 | 1,946,245 | 2,122,328 | 2,062,368 | 2,075,984 | 1,822,057 |
| total assets | 2,468,890 | 2,591,653 | 3,703,708 | 4,000,468 | 3,636,593 | 1,944,960 | 1,819,731 | 1,848,121 | 1,685,433 | 1,723,152 | 1,956,738 | 2,133,436 | 2,081,549 | 2,112,930 | 2,071,708 |
| Bank overdraft | 130 | 3,224 | |||||||||||||
| Bank loan | |||||||||||||||
| Trade Creditors | 116,973 | 93,054 | 101,857 | 127,383 | 133,804 | 194,472 | 122,395 | 135,728 | 54,572 | 73,260 | 89,201 | 97,168 | 42,124 | 6,913 | 56,719 |
| Group/Directors Accounts | |||||||||||||||
| other short term finances | |||||||||||||||
| hp & lease commitments | |||||||||||||||
| other current liabilities | 716,122 | 1,105,229 | 2,248,314 | 2,638,287 | 2,292,102 | 367,285 | 437,028 | 372,318 | 256,329 | 250,210 | 185,140 | 173,096 | 154,016 | 149,646 | |
| total current liabilities | 833,095 | 1,198,283 | 2,350,171 | 2,765,670 | 2,425,906 | 561,757 | 559,423 | 508,046 | 310,901 | 323,470 | 274,341 | 270,264 | 196,140 | 156,689 | 195,250 |
| loans | |||||||||||||||
| hp & lease commitments | |||||||||||||||
| Accruals and Deferred Income | |||||||||||||||
| other liabilities | |||||||||||||||
| provisions | 40,000 | 30,000 | 295 | 912 | 1,419 | ||||||||||
| total long term liabilities | 40,000 | 30,000 | 295 | 912 | 1,419 | ||||||||||
| total liabilities | 833,095 | 1,198,283 | 2,350,171 | 2,765,670 | 2,465,906 | 591,757 | 559,423 | 508,046 | 310,901 | 323,470 | 274,341 | 270,559 | 197,052 | 158,108 | 195,250 |
| net assets | 1,635,795 | 1,393,370 | 1,353,537 | 1,234,798 | 1,170,687 | 1,353,203 | 1,260,308 | 1,340,075 | 1,374,532 | 1,399,682 | 1,682,397 | 1,862,877 | 1,884,497 | 1,954,822 | 1,876,458 |
| total shareholders funds | 1,635,795 | 1,393,370 | 1,353,537 | 1,234,798 | 1,170,687 | 1,353,203 | 1,260,308 | 1,340,075 | 1,374,532 | 1,399,682 | 1,682,397 | 1,862,877 | 1,884,497 | 1,954,822 | 1,876,458 |
| May 2024 | May 2023 | May 2022 | May 2021 | May 2020 | May 2019 | May 2018 | May 2017 | May 2016 | May 2015 | May 2014 | May 2013 | May 2012 | May 2011 | May 2010 | |
|---|---|---|---|---|---|---|---|---|---|---|---|---|---|---|---|
| Operating Activities | |||||||||||||||
| Operating Profit | 171,752 | 24,885 | 117,168 | 60,359 | -193,842 | 84,459 | -20,602 | 17,660 | -106,152 | -314,564 | -229,452 | -59,923 | -91,227 | 75,711 | 123,945 |
| Depreciation | 18,382 | 12,366 | 10,466 | 68,545 | 66,773 | 32,860 | 5,369 | 5,905 | 5,558 | 6,743 | 7,694 | 8,700 | 18,879 | 16,353 | 15,893 |
| Amortisation | |||||||||||||||
| Tax | 295 | 11,197 | -1,547 | -21,070 | -39,306 | ||||||||||
| Stock | |||||||||||||||
| Debtors | -110,180 | -1,356,833 | -612,572 | 361,476 | 1,824,855 | 14,094 | 86,332 | 20,374 | 51,569 | 33,675 | -63,960 | 62,172 | 36,445 | 85,291 | |
| Creditors | 23,919 | -8,803 | -25,526 | -6,421 | -60,668 | 72,077 | -13,333 | 81,156 | -18,688 | -15,941 | -7,967 | 55,044 | 35,211 | -49,806 | 56,719 |
| Accruals and Deferred Income | -389,107 | -1,143,085 | -389,973 | 346,185 | 1,924,817 | -69,743 | 64,710 | 115,989 | 6,119 | 65,070 | 12,044 | 19,080 | 4,370 | 149,646 | |
| Deferred Taxes & Provisions | -40,000 | 10,000 | 30,000 | -295 | -617 | -507 | 1,419 | ||||||||
| Cash flow from operations | -64,874 | 242,196 | 324,707 | 67,192 | -77,775 | 135,559 | -50,188 | 200,336 | -164,732 | -292,367 | -153,721 | -28,691 | -71,266 | 86,962 | |
| Investing Activities | |||||||||||||||
| capital expenditure | |||||||||||||||
| Change in Investments | 1 | ||||||||||||||
| cash flow from investments | |||||||||||||||
| Financing Activities | |||||||||||||||
| Bank loans | |||||||||||||||
| Group/Directors Accounts | |||||||||||||||
| Other Short Term Loans | |||||||||||||||
| Long term loans | |||||||||||||||
| Hire Purchase and Lease Commitments | |||||||||||||||
| other long term liabilities | |||||||||||||||
| share issue | |||||||||||||||
| interest | 70,673 | 14,948 | 1,570 | 3,752 | 11,326 | 8,436 | 7,606 | 9,263 | 10,079 | 23,897 | 35,609 | 20,189 | 9,429 | ||
| cash flow from financing | 70,673 | 14,948 | 1,571 | 3,752 | 11,326 | 8,436 | 7,606 | 9,263 | 10,079 | 23,897 | 35,609 | 20,189 | 9,429 | ||
| cash and cash equivalents | |||||||||||||||
| cash | -391,964 | 246,393 | 313,254 | -307,148 | 179,049 | -104,463 | 180,008 | 139,446 | -310,556 | -271,999 | -116,160 | 873 | -54,664 | 15,769 | 1,754,365 |
| overdraft | -130 | -3,094 | 3,224 | ||||||||||||
| change in cash | -391,964 | 246,393 | 313,254 | -307,148 | 179,049 | -104,463 | 180,008 | 139,446 | -310,556 | -271,999 | -116,160 | 873 | -54,534 | 18,863 | 1,751,141 |
personal investment management and financial advice association Credit Report and Business Information
Personal Investment Management And Financial Advice Association Competitor Analysis
Perform a competitor analysis for personal investment management and financial advice association by selecting its closest rivals, whether from the OTHER SERVICE ACTIVITIES sector, other small companies, companies in EC4V area or any other competitors across 12 key performance metrics.
personal investment management and financial advice association Ownership
PERSONAL INVESTMENT MANAGEMENT AND FINANCIAL ADVICE ASSOCIATION group structure
Personal Investment Management And Financial Advice Association has no subsidiary companies.
Ultimate parent company
PERSONAL INVESTMENT MANAGEMENT AND FINANCIAL ADVICE ASSOCIATION
02991400
personal investment management and financial advice association directors
Personal Investment Management And Financial Advice Association currently has 14 directors. The longest serving directors include Mrs Elizabeth Field (Sep 2014) and Ms Sarah Soar (Dec 2015).
| officer | country | age | start | end | role |
|---|---|---|---|---|---|
| Mrs Elizabeth Field | England | 62 years | Sep 2014 | - | Director |
| Ms Sarah Soar | United Kingdom | 63 years | Dec 2015 | - | Director |
| Mr Gary Bottriell | Uk | 64 years | Jun 2017 | - | Director |
| The Rt Hon. The Lord John Deben | 85 years | Jun 2017 | - | Director | |
| Mrs Tracey Davidson | England | 56 years | Sep 2018 | - | Director |
| Mr Geoffrey Towers | England | 65 years | Nov 2021 | - | Director |
| Mr Nick Bettison | United Kingdom | 53 years | Jan 2022 | - | Director |
| Mr Ray Tuffield | England | 68 years | Sep 2022 | - | Director |
| Mr Paul Stockton | England | 59 years | Jan 2023 | - | Director |
| Mr Stuart Dodson | 49 years | Jan 2023 | - | Director |
P&L
May 2024turnover
3.9m
+16%
operating profit
171.8k
+590%
gross margin
90.3%
-3.15%
turnover
Turnover, or revenue, is the amount of sales generated by a company within the financial year.
Balance Sheet
May 2024net assets
1.6m
+0.17%
total assets
2.5m
-0.05%
cash
1.3m
-0.24%
net assets
Total assets minus all liabilities
personal investment management and financial advice association company details
company number
02991400
Type
Private Limited by guarantee without Share Capital Exempt from using Limited
industry
94990 - Activities of other membership organisations n.e.c.
incorporation date
November 1994
age
31
incorporated
UK
ultimate parent company
accounts
Small Company
last accounts submitted
May 2024
previous names
wealth management association (May 2017)
association of private client investment managers and stockbrokers (October 2013)
accountant
-
auditor
SAYER VINCENT LLP
address
69 carter lane, london, EC4V 5EQ
Bank
BARCLAYS BANK PLC
Legal Advisor
-
personal investment management and financial advice association 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 did not find charges/mortgages relating to personal investment management and financial advice association.
personal investment management and financial advice association Capital Raised & Share Issues BETA
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personal investment management and financial advice association Companies House Filings - See Documents
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