personal group benefits limited
personal group benefits limited Company Information
Company Number
03195037
Website
http://www.personalgroup.comRegistered Address
john ormond house, 899 silbury boulevard, milton keynes, buckinghamshire, MK9 3XL
Industry
Other activities auxiliary to financial services, except insurance and pension funding
Telephone
01908605000
Next Accounts Due
September 2024
Group Structure
View All
Shareholders
personal group limited 100%
personal group benefits limited Estimated Valuation
The estimated valuation range for personal group benefits limited, derived from financial data as of December 2022 and the most recent industry multiples, is between £1.1m to £5.3m
personal group benefits limited Estimated Valuation
The estimated valuation range for personal group benefits limited, derived from financial data as of December 2022 and the most recent industry multiples, is between £1.1m to £5.3m
personal group benefits limited Estimated Valuation
The estimated valuation range for personal group benefits limited, derived from financial data as of December 2022 and the most recent industry multiples, is between £1.1m to £5.3m
Get a detailed valuation report, edit figures and unlock valuation multiples.
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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 £7.1m with declining 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 2.5 rating. We use a traffic light system to show it exceeds the industry average on 2 measures and has 5 areas for improvement. Company Health Check FAQs
2 Strong
3 Regular
5 Weak
Size
annual sales of £7.1m, make it larger than the average company (£3.2m)
£7.1m - Personal Group Benefits Limited
£3.2m - Industry AVG
Growth
3 year (CAGR) sales growth of -5%, show it is growing at a slower rate (4.3%)
-5% - Personal Group Benefits Limited
4.3% - Industry AVG
Production
with a gross margin of 43.9%, this company has a higher cost of product (84.7%)
43.9% - Personal Group Benefits Limited
84.7% - Industry AVG
Profitability
an operating margin of 4.4% make it less profitable than the average company (9.2%)
4.4% - Personal Group Benefits Limited
9.2% - Industry AVG
Employees
with 17 employees, this is similar to the industry average (15)
- Personal Group Benefits Limited
15 - Industry AVG
Pay Structure
on an average salary of £212.8k, the company has a higher pay structure (£78k)
- Personal Group Benefits Limited
£78k - Industry AVG
Efficiency
resulting in sales per employee of £418.1k, this is more efficient (£189.7k)
- Personal Group Benefits Limited
£189.7k - Industry AVG
Debtor Days
it gets paid by customers after 31 days, this is near the average (31 days)
31 days - Personal Group Benefits Limited
31 days - Industry AVG
Creditor Days
There is insufficient data available for this Key Performance Indicator!
- - Personal Group Benefits Limited
- - Industry AVG
Stock Days
There is insufficient data available for this Key Performance Indicator!
- - Personal Group Benefits Limited
- - Industry AVG
Cash Balance
has cash to cover current liabilities for 40 weeks, this is average cash available to meet short term requirements (42 weeks)
40 weeks - Personal Group Benefits Limited
42 weeks - Industry AVG
Debt Level
it has a ratio of liabilities to total assets of 52.7%, this is a higher level of debt than the average (47.6%)
52.7% - Personal Group Benefits Limited
47.6% - Industry AVG
personal group benefits limited Credit Report and Business Information
Personal Group Benefits Limited Competitor Analysis
Perform a competitor analysis for personal group benefits limited by selecting its closest rivals and benchmarking them against 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 | England | 56 years | Sep 2015 | - | Director |
| Mrs Paula Brown | England | 46 years | Aug 2023 | - | Director |
PERSONAL GROUP BENEFITS LIMITED financials
Personal Group Benefits Limited's latest turnover from December 2022 is £7.1 million and the company has net assets of £522 thousand. According to their latest financial statements, we estimate that Personal Group Benefits Limited has 17 employees and maintains cash reserves of £448 thousand as reported in the balance sheet.
Data source: Companies House, Pomanda Estimates
| 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 | 7,108,000 | 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 | 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 |
| Pre-Tax Profit | 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 | -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 | 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 | 1,500,000 | 1,500,000 | 1,350,000 | 750,000 | 750,000 | 0 | 800,000 | 0 | 0 | 0 | 0 | 0 | 0 |
| Retained Profit | 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 | 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 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 | 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 |
| 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 | 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 |
| Trade Debtors | 615,000 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 |
| Group Debtors | 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 | 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 | 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 |
| total current assets | 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 | 1,104,000 | 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 |
| Bank loan | 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 |
| Group/Directors Accounts | 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 |
| hp & lease commitments | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 |
| other current liabilities | 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 | 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 |
| hp & lease commitments | 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 |
| other liabilities | 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 |
| total long term liabilities | 4,000 | 14,000 | 59,000 | 177,000 | 225,000 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 |
| total liabilities | 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 | 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 | 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 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 | 213,000 | 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 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 |
| Tax | -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 |
| Debtors | -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 |
| Accruals and Deferred Income | -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 |
| 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 |
| cash flow from investments | ||||||||||||||
| Financing Activities | ||||||||||||||
| Bank loans | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 |
| Group/Directors Accounts | -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 |
| 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 | -10,000 | -45,000 | -118,000 | -48,000 | 225,000 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 |
| share issue | ||||||||||||||
| interest | -10,000 | -21,000 | -38,000 | -77,000 | -92,000 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 |
| cash flow from financing | -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 | -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 |
| change in cash | -46,000 | -1,184,000 | 843,000 | 610,000 | 225,000 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 |
P&L
December 2022turnover
7.1m
+27%
operating profit
309.4k
0%
gross margin
44%
+7.51%
turnover
Turnover, or revenue, is the amount of sales generated by a company within the financial year.
Balance Sheet
December 2022net assets
522k
+1.02%
total assets
1.1m
-0.29%
cash
448k
-0.09%
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
28
accounts
Audit Exemption Subsidiary
ultimate parent company
previous names
silbury 149 limited (January 1997)
incorporated
UK
address
john ormond house, 899 silbury boulevard, milton keynes, buckinghamshire, MK9 3XL
last accounts submitted
December 2022
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 Companies House Filings - See Documents
| date | description | view/download |
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