personal group benefits limited Company Information
Company Number
03195037
Next Accounts
Sep 2025
Shareholders
personal group limited
Group Structure
View All
Industry
Other activities auxiliary to financial services, except insurance and pension funding
Registered Address
john ormond house, 899 silbury boulevard, milton keynes, buckinghamshire, MK9 3XL
Website
http://www.personalgroup.compersonal group benefits limited Estimated Valuation
Pomanda estimates the enterprise value of PERSONAL GROUP BENEFITS LIMITED at £5.5m based on a Turnover of £7.8m and 0.7x industry multiple (adjusted for size and gross margin).
personal group benefits limited Estimated Valuation
Pomanda estimates the enterprise value of PERSONAL GROUP BENEFITS LIMITED at £618.1k based on an EBITDA of £203.7k and a 3.04x industry multiple (adjusted for size and gross margin).
personal group benefits limited Estimated Valuation
Pomanda estimates the enterprise value of PERSONAL GROUP BENEFITS LIMITED at £1.6m based on Net Assets of £656k and 2.38x industry multiple (adjusted for liquidity).
Edit your figures and get a professional valuation report.
Personal Group Benefits Limited Overview
Personal Group Benefits Limited is a live company located in milton keynes, MK9 3XL with a Companies House number of 03195037. It operates in the activities auxiliary to financial intermediation n.e.c. sector, SIC Code 66190. Founded in May 1996, it's largest shareholder is personal group limited with a 100% stake. Personal Group Benefits Limited is a mature, mid sized company, Pomanda has estimated its turnover at £7.8m with low growth in recent years.
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Personal Group Benefits Limited Health Check
Pomanda's financial health check has awarded Personal Group Benefits Limited a 3.5 rating. We use a traffic light system to show it exceeds the industry average on 4 measures and has 4 areas for improvement. Company Health Check FAQs
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4 Strong
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1 Regular
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4 Weak
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Size
annual sales of £7.8m, make it larger than the average company (£4.1m)
£7.8m - Personal Group Benefits Limited
£4.1m - Industry AVG
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Growth
3 year (CAGR) sales growth of 0%, show it is growing at a slower rate (9%)
- Personal Group Benefits Limited
9% - Industry AVG
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Production
with a gross margin of 17.2%, this company has a higher cost of product (70.3%)
17.2% - Personal Group Benefits Limited
70.3% - Industry AVG
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Profitability
an operating margin of 1.5% make it less profitable than the average company (8.9%)
1.5% - Personal Group Benefits Limited
8.9% - Industry AVG
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Employees
with 16 employees, this is above the industry average (9)
- Personal Group Benefits Limited
9 - Industry AVG
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Pay Structure
on an average salary of £263.3k, the company has a higher pay structure (£73.6k)
- Personal Group Benefits Limited
£73.6k - Industry AVG
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Efficiency
resulting in sales per employee of £490.1k, this is more efficient (£183.3k)
- Personal Group Benefits Limited
£183.3k - Industry AVG
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Debtor Days
There is insufficient data available for this Key Performance Indicator!
- - Personal Group Benefits Limited
- - Industry AVG
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Creditor Days
There is insufficient data available for this Key Performance Indicator!
- - Personal Group Benefits Limited
- - Industry AVG
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Stock Days
There is insufficient data available for this Key Performance Indicator!
- - Personal Group Benefits Limited
- - Industry AVG
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Cash Balance
has cash to cover current liabilities for 29 weeks, this is average cash available to meet short term requirements (28 weeks)
29 weeks - Personal Group Benefits Limited
28 weeks - Industry AVG
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Debt Level
it has a ratio of liabilities to total assets of 43.3%, this is a lower level of debt than the average (73.6%)
43.3% - Personal Group Benefits Limited
73.6% - Industry AVG
PERSONAL GROUP BENEFITS LIMITED financials
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Personal Group Benefits Limited's latest turnover from December 2023 is £7.8 million and the company has net assets of £656 thousand. According to their latest financial statements, we estimate that Personal Group Benefits Limited has 16 employees and maintains cash reserves of £289 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 | 7,841,000 | 7,108,000 | 5,592,000 | 7,834,000 | 8,201,000 | 8,467,000 | 8,303,000 | 7,512,000 | 7,158,000 | 6,792,000 | 6,235,000 | 6,154,000 | 5,946,000 | 5,565,000 | 5,187,000 |
Other Income Or Grants | |||||||||||||||
Cost Of Sales | |||||||||||||||
Gross Profit | |||||||||||||||
Admin Expenses | |||||||||||||||
Operating Profit | |||||||||||||||
Interest Payable | 3,000 | 10,000 | 21,000 | 38,000 | 77,000 | 92,000 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 |
Interest Receivable | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 |
Pre-Tax Profit | 159,000 | 270,000 | 145,000 | 2,766,000 | 1,174,000 | 1,036,000 | 1,021,000 | 653,000 | 294,000 | 537,000 | -161,000 | -180,000 | 183,000 | 730,000 | 547,000 |
Tax | -54,000 | -6,000 | 4,000 | -430,000 | -159,000 | -175,000 | -198,000 | -32,000 | -69,000 | -57,000 | 20,000 | -5,000 | -53,000 | -206,000 | -157,000 |
Profit After Tax | 105,000 | 264,000 | 149,000 | 2,336,000 | 1,015,000 | 861,000 | 823,000 | 621,000 | 225,000 | 480,000 | -141,000 | -185,000 | 130,000 | 524,000 | 390,000 |
Dividends Paid | 0 | 0 | 1,500,000 | 1,500,000 | 1,350,000 | 750,000 | 750,000 | 0 | 800,000 | 0 | 0 | 0 | 0 | 0 | 0 |
Retained Profit | 105,000 | 264,000 | -1,351,000 | 836,000 | -335,000 | 111,000 | 73,000 | 621,000 | -575,000 | 480,000 | -141,000 | -185,000 | 130,000 | 524,000 | 390,000 |
Employee Costs | 4,212,000 | 3,617,000 | 2,567,000 | 1,970,000 | 2,780,000 | 2,981,000 | 2,989,000 | 3,052,000 | 2,757,000 | 2,643,000 | 2,426,000 | 2,085,000 | 2,018,000 | 2,200,000 | 2,259,000 |
Number Of Employees | 54 | 50 | 58 | 66 | 63 | 65 | 63 | 62 | 65 | 59 | 60 | 70 | 70 | ||
EBITDA* |
* 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 | 0 | 0 | 104,000 | 168,000 | 628,000 | 871,000 | 447,000 | 488,000 | 429,000 | 450,000 | 523,000 | 996,000 | 862,000 | 1,019,000 | 968,000 |
Intangible Assets | 17,000 | 41,000 | 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 | 0 |
Debtors (Due After 1 year) | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 |
Total Fixed Assets | 17,000 | 41,000 | 104,000 | 168,000 | 628,000 | 871,000 | 447,000 | 488,000 | 429,000 | 450,000 | 523,000 | 996,000 | 862,000 | 1,019,000 | 968,000 |
Stock & work in progress | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 |
Trade Debtors | 0 | 615,000 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 |
Group Debtors | 791,000 | 0 | 872,000 | 544,000 | 863,000 | 1,294,000 | 1,351,000 | 903,000 | 495,000 | 816,000 | 42,000 | 0 | 0 | 0 | 172,000 |
Misc Debtors | 60,000 | 0 | 91,000 | 185,000 | 198,000 | 162,000 | 146,000 | 155,000 | 195,000 | 194,000 | 155,000 | 42,000 | 47,000 | 53,000 | 80,000 |
Cash | 289,000 | 448,000 | 494,000 | 1,678,000 | 835,000 | 225,000 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 |
misc current assets | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 |
total current assets | 1,140,000 | 1,063,000 | 1,457,000 | 2,407,000 | 1,896,000 | 1,681,000 | 1,497,000 | 1,058,000 | 690,000 | 1,010,000 | 197,000 | 42,000 | 47,000 | 53,000 | 252,000 |
total assets | 1,157,000 | 1,104,000 | 1,561,000 | 2,575,000 | 2,524,000 | 2,552,000 | 1,944,000 | 1,546,000 | 1,119,000 | 1,460,000 | 720,000 | 1,038,000 | 909,000 | 1,072,000 | 1,220,000 |
Bank overdraft | 0 | 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 | 0 |
Trade Creditors | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 |
Group/Directors Accounts | 97,000 | 111,000 | 146,000 | 32,000 | 453,000 | 220,000 | 0 | 0 | 0 | 0 | 0 | 370,000 | 6,000 | 294,000 | 0 |
other short term finances | 0 | 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 | 0 |
other current liabilities | 404,000 | 467,000 | 1,143,000 | 875,000 | 1,122,000 | 1,003,000 | 989,000 | 701,000 | 891,000 | 720,000 | 547,000 | 354,000 | 404,000 | 409,000 | 375,000 |
total current liabilities | 501,000 | 578,000 | 1,289,000 | 907,000 | 1,575,000 | 1,223,000 | 989,000 | 701,000 | 891,000 | 720,000 | 547,000 | 724,000 | 410,000 | 703,000 | 375,000 |
loans | 0 | 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 | 0 |
Accruals and Deferred Income | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 |
other liabilities | 0 | 4,000 | 14,000 | 59,000 | 177,000 | 225,000 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 |
provisions | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 |
total long term liabilities | 0 | 4,000 | 14,000 | 59,000 | 177,000 | 225,000 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 |
total liabilities | 501,000 | 582,000 | 1,303,000 | 966,000 | 1,752,000 | 1,448,000 | 989,000 | 701,000 | 891,000 | 720,000 | 547,000 | 724,000 | 410,000 | 703,000 | 375,000 |
net assets | 656,000 | 522,000 | 258,000 | 1,609,000 | 772,000 | 1,104,000 | 955,000 | 845,000 | 228,000 | 740,000 | 173,000 | 314,000 | 499,000 | 369,000 | 845,000 |
total shareholders funds | 656,000 | 522,000 | 258,000 | 1,609,000 | 772,000 | 1,104,000 | 955,000 | 845,000 | 228,000 | 740,000 | 173,000 | 314,000 | 499,000 | 369,000 | 845,000 |
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 | |||||||||||||||
Depreciation | 0 | 321,000 | 267,000 | 267,000 | 295,000 | 271,000 | 43,000 | 36,000 | 32,000 | 77,000 | 205,000 | 207,000 | 184,000 | 214,000 | 199,000 |
Amortisation | 83,000 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 |
Tax | -54,000 | -6,000 | 4,000 | -430,000 | -159,000 | -175,000 | -198,000 | -32,000 | -69,000 | -57,000 | 20,000 | -5,000 | -53,000 | -206,000 | -157,000 |
Stock | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 |
Debtors | 236,000 | -348,000 | 234,000 | -332,000 | -395,000 | -41,000 | 439,000 | 368,000 | -320,000 | 813,000 | 155,000 | -5,000 | -6,000 | -199,000 | 252,000 |
Creditors | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 |
Accruals and Deferred Income | -63,000 | -676,000 | 268,000 | -247,000 | 119,000 | 14,000 | 288,000 | -190,000 | 171,000 | 173,000 | 193,000 | -50,000 | -5,000 | 34,000 | 375,000 |
Deferred Taxes & Provisions | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 |
Cash flow from operations | |||||||||||||||
Investing Activities | |||||||||||||||
capital expenditure | |||||||||||||||
Change in Investments | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 |
cash flow from investments | |||||||||||||||
Financing Activities | |||||||||||||||
Bank loans | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 |
Group/Directors Accounts | -14,000 | -35,000 | 114,000 | -421,000 | 233,000 | 220,000 | 0 | 0 | 0 | 0 | -370,000 | 364,000 | -288,000 | 294,000 | 0 |
Other Short Term Loans | 0 | 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 | 0 |
Hire Purchase and Lease Commitments | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 |
other long term liabilities | -4,000 | -10,000 | -45,000 | -118,000 | -48,000 | 225,000 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 |
share issue | |||||||||||||||
interest | -3,000 | -10,000 | -21,000 | -38,000 | -77,000 | -92,000 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 |
cash flow from financing | 8,000 | -55,000 | 48,000 | -576,000 | 111,000 | 391,000 | 37,000 | -4,000 | 63,000 | 87,000 | -370,000 | 364,000 | -288,000 | -706,000 | 455,000 |
cash and cash equivalents | |||||||||||||||
cash | -159,000 | -46,000 | -1,184,000 | 843,000 | 610,000 | 225,000 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 |
overdraft | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 |
change in cash | -159,000 | -46,000 | -1,184,000 | 843,000 | 610,000 | 225,000 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 |
personal group benefits limited Credit Report and Business Information
Personal Group Benefits Limited Competitor Analysis
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Perform a competitor analysis for personal group benefits limited by selecting its closest rivals, whether from the FINANCIAL AND INSURANCE ACTIVITIES sector, other mid companies, companies in MK9 area or any other competitors across 12 key performance metrics.
personal group benefits limited Ownership
PERSONAL GROUP BENEFITS LIMITED group structure
Personal Group Benefits Limited has no subsidiary companies.
Ultimate parent company
2 parents
PERSONAL GROUP BENEFITS LIMITED
03195037
personal group benefits limited directors
Personal Group Benefits Limited currently has 2 directors. The longest serving directors include Mrs Sarah Mace (Sep 2015) and Mrs Paula Brown (Aug 2023).
officer | country | age | start | end | role |
---|---|---|---|---|---|
Mrs Sarah Mace | United Kingdom | 57 years | Sep 2015 | - | Director |
Mrs Paula Brown | 46 years | Aug 2023 | - | Director |
P&L
December 2023turnover
7.8m
+10%
operating profit
120.7k
0%
gross margin
17.3%
-18.21%
turnover
Turnover, or revenue, is the amount of sales generated by a company within the financial year.
Balance Sheet
December 2023net assets
656k
+0.26%
total assets
1.2m
+0.05%
cash
289k
-0.35%
net assets
Total assets minus all liabilities
personal group benefits limited company details
company number
03195037
Type
Private limited with Share Capital
industry
66190 - Other activities auxiliary to financial services, except insurance and pension funding
incorporation date
May 1996
age
29
incorporated
UK
ultimate parent company
accounts
Audit Exemption Subsidiary
last accounts submitted
December 2023
previous names
silbury 149 limited (January 1997)
accountant
-
auditor
-
address
john ormond house, 899 silbury boulevard, milton keynes, buckinghamshire, MK9 3XL
Bank
LLOYDS BANK PLC
Legal Advisor
-
personal group benefits 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 did not find charges/mortgages relating to personal group benefits limited.
personal group benefits 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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personal group benefits limited Companies House Filings - See Documents
date | description | view/download |
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