personal group benefits limited

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personal group benefits limited Company Information

Share PERSONAL GROUP BENEFITS LIMITED

Company Number

03195037

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

personal group benefits limited Estimated Valuation

£5.5m

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

£618.1k

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

£1.6m

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).

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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

Health Check Image
Health Rating3.5out of 5
positive_score

4 Strong

positive_score

1 Regular

positive_score

4 Weak

size

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

growth

Growth

3 year (CAGR) sales growth of 0%, show it is growing at a slower rate (9%)

0% - Personal Group Benefits Limited

9% - Industry AVG

production

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

profitability

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

employees

Employees

with 16 employees, this is above the industry average (9)

16 - Personal Group Benefits Limited

9 - Industry AVG

paystructure

Pay Structure

on an average salary of £263.3k, the company has a higher pay structure (£73.6k)

£263.3k - Personal Group Benefits Limited

£73.6k - Industry AVG

efficiency

Efficiency

resulting in sales per employee of £490.1k, this is more efficient (£183.3k)

£490.1k - Personal Group Benefits Limited

£183.3k - Industry AVG

debtordays

Debtor Days

There is insufficient data available for this Key Performance Indicator!

- - Personal Group Benefits Limited

- - Industry AVG

creditordays

Creditor Days

There is insufficient data available for this Key Performance Indicator!

- - Personal Group Benefits Limited

- - Industry AVG

stockdays

Stock Days

There is insufficient data available for this Key Performance Indicator!

- - Personal Group Benefits Limited

- - Industry AVG

cashbalance

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

debtlevel

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

EXPORTms excel logo

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 HousePomanda Estimates

Dec 2023Dec 2022Dec 2021Dec 2020Dec 2019Dec 2018Dec 2017Dec 2016Dec 2015Dec 2014Dec 2013Dec 2012Dec 2011Dec 2010Dec 2009
Turnover7,841,0007,108,0005,592,0007,834,0008,201,0008,467,0008,303,0007,512,0007,158,0006,792,0006,235,0006,154,0005,946,0005,565,0005,187,000
Other Income Or Grants000000000000000
Cost Of Sales6,491,3315,612,0594,375,6156,136,8366,333,5146,189,8955,477,1764,929,0344,472,9954,660,6704,365,4494,063,3463,911,7393,818,6520
Gross Profit1,349,6691,495,9411,216,3851,697,1641,867,4862,277,1052,825,8242,582,9662,685,0052,131,3301,869,5512,090,6542,034,2611,746,3480
Admin Expenses1,229,0151,186,5001,035,149-1,185,530618,3751,214,9861,809,7751,806,7162,403,7551,523,7352,010,5512,275,6541,858,5851,018,570-541,667
Operating Profit120,654309,441181,2362,882,6941,249,1111,062,1191,016,049776,250281,250607,595-141,000-185,000175,676727,778541,667
Interest Payable3,00010,00021,00038,00077,00092,000000000000
Interest Receivable000000000000000
Pre-Tax Profit159,000270,000145,0002,766,0001,174,0001,036,0001,021,000653,000294,000537,000-161,000-180,000183,000730,000547,000
Tax-54,000-6,0004,000-430,000-159,000-175,000-198,000-32,000-69,000-57,00020,000-5,000-53,000-206,000-157,000
Profit After Tax105,000264,000149,0002,336,0001,015,000861,000823,000621,000225,000480,000-141,000-185,000130,000524,000390,000
Dividends Paid001,500,0001,500,0001,350,000750,000750,0000800,000000000
Retained Profit105,000264,000-1,351,000836,000-335,000111,00073,000621,000-575,000480,000-141,000-185,000130,000524,000390,000
Employee Costs4,212,0003,617,0002,567,0001,970,0002,780,0002,981,0002,989,0003,052,0002,757,0002,643,0002,426,0002,085,0002,018,0002,200,0002,259,000
Number Of Employees161654505866636563626559607070
EBITDA*203,654630,441448,2363,149,6941,544,1111,333,1191,059,049812,250313,250684,59564,00022,000359,676941,778740,667

* Earnings Before Interest, Tax, Depreciation and Amortisation

Dec 2023Dec 2022Dec 2021Dec 2020Dec 2019Dec 2018Dec 2017Dec 2016Dec 2015Dec 2014Dec 2013Dec 2012Dec 2011Dec 2010Dec 2009
Tangible Assets00104,000168,000628,000871,000447,000488,000429,000450,000523,000996,000862,0001,019,000968,000
Intangible Assets17,00041,0000000000000000
Investments & Other000000000000000
Debtors (Due After 1 year)000000000000000
Total Fixed Assets17,00041,000104,000168,000628,000871,000447,000488,000429,000450,000523,000996,000862,0001,019,000968,000
Stock & work in progress000000000000000
Trade Debtors0615,0000000000000000
Group Debtors791,0000872,000544,000863,0001,294,0001,351,000903,000495,000816,00042,000000172,000
Misc Debtors60,000091,000185,000198,000162,000146,000155,000195,000194,000155,00042,00047,00053,00080,000
Cash289,000448,000494,0001,678,000835,000225,000000000000
misc current assets000000000000000
total current assets1,140,0001,063,0001,457,0002,407,0001,896,0001,681,0001,497,0001,058,000690,0001,010,000197,00042,00047,00053,000252,000
total assets1,157,0001,104,0001,561,0002,575,0002,524,0002,552,0001,944,0001,546,0001,119,0001,460,000720,0001,038,000909,0001,072,0001,220,000
Bank overdraft000000000000000
Bank loan000000000000000
Trade Creditors 000000000000000
Group/Directors Accounts97,000111,000146,00032,000453,000220,00000000370,0006,000294,0000
other short term finances000000000000000
hp & lease commitments000000000000000
other current liabilities404,000467,0001,143,000875,0001,122,0001,003,000989,000701,000891,000720,000547,000354,000404,000409,000375,000
total current liabilities501,000578,0001,289,000907,0001,575,0001,223,000989,000701,000891,000720,000547,000724,000410,000703,000375,000
loans000000000000000
hp & lease commitments000000000000000
Accruals and Deferred Income000000000000000
other liabilities04,00014,00059,000177,000225,000000000000
provisions000000000000000
total long term liabilities04,00014,00059,000177,000225,000000000000
total liabilities501,000582,0001,303,000966,0001,752,0001,448,000989,000701,000891,000720,000547,000724,000410,000703,000375,000
net assets656,000522,000258,0001,609,000772,0001,104,000955,000845,000228,000740,000173,000314,000499,000369,000845,000
total shareholders funds656,000522,000258,0001,609,000772,0001,104,000955,000845,000228,000740,000173,000314,000499,000369,000845,000
Dec 2023Dec 2022Dec 2021Dec 2020Dec 2019Dec 2018Dec 2017Dec 2016Dec 2015Dec 2014Dec 2013Dec 2012Dec 2011Dec 2010Dec 2009
Operating Activities
Operating Profit120,654309,441181,2362,882,6941,249,1111,062,1191,016,049776,250281,250607,595-141,000-185,000175,676727,778541,667
Depreciation0321,000267,000267,000295,000271,00043,00036,00032,00077,000205,000207,000184,000214,000199,000
Amortisation83,00000000000000000
Tax-54,000-6,0004,000-430,000-159,000-175,000-198,000-32,000-69,000-57,00020,000-5,000-53,000-206,000-157,000
Stock000000000000000
Debtors236,000-348,000234,000-332,000-395,000-41,000439,000368,000-320,000813,000155,000-5,000-6,000-199,000252,000
Creditors000000000000000
Accruals and Deferred Income-63,000-676,000268,000-247,000119,00014,000288,000-190,000171,000173,000193,000-50,000-5,00034,000375,000
Deferred Taxes & Provisions000000000000000
Cash flow from operations-149,346296,441486,2362,804,6941,899,1111,213,119710,049222,250735,250-12,405122,000-28,000307,676968,778706,667
Investing Activities
capital expenditure-59,000-258,000-203,000193,000-52,000-695,000-2,000-95,000-11,000-4,000268,000-341,000-27,000-265,000-1,167,000
Change in Investments000000000000000
cash flow from investments-59,000-258,000-203,000193,000-52,000-695,000-2,000-95,000-11,000-4,000268,000-341,000-27,000-265,000-1,167,000
Financing Activities
Bank loans000000000000000
Group/Directors Accounts-14,000-35,000114,000-421,000233,000220,0000000-370,000364,000-288,000294,0000
Other Short Term Loans 000000000000000
Long term loans000000000000000
Hire Purchase and Lease Commitments000000000000000
other long term liabilities-4,000-10,000-45,000-118,000-48,000225,000000000000
share issue29,000001,0003,00038,00037,000-4,00063,00087,000000-1,000,000455,000
interest-3,000-10,000-21,000-38,000-77,000-92,000000000000
cash flow from financing8,000-55,00048,000-576,000111,000391,00037,000-4,00063,00087,000-370,000364,000-288,000-706,000455,000
cash and cash equivalents
cash-159,000-46,000-1,184,000843,000610,000225,000000000000
overdraft000000000000000
change in cash-159,000-46,000-1,184,000843,000610,000225,000000000000

personal group benefits limited Credit Report and Business Information

Very Low Risk70 - 100
Low Risk50 - 70
Moderate Risk30 - 50
High Risk20 - 30
Very High Risk0 - 20
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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 Shareholders

personal group limited 100%

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).

officercountryagestartendrole
Mrs Sarah MaceUnited Kingdom57 years Sep 2015- Director
Mrs Paula Brown46 years Aug 2023- Director

P&L

December 2023

turnover

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 2023

net 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

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