city financial planning limited
city financial planning limited Company Information
Company Number
03224580
Next Accounts
Sep 2025
Shareholders
frederick binstead
gary pimm
View AllGroup Structure
View All
Industry
Other activities auxiliary to financial services, except insurance and pension funding
Registered Address
3 princes buildings, bath, BA1 2ED
city financial planning limited Estimated Valuation
Pomanda estimates the enterprise value of CITY FINANCIAL PLANNING LIMITED at £2.2m based on a Turnover of £2.5m and 0.91x industry multiple (adjusted for size and gross margin).
city financial planning limited Estimated Valuation
Pomanda estimates the enterprise value of CITY FINANCIAL PLANNING LIMITED at £1m based on an EBITDA of £263.4k and a 3.98x industry multiple (adjusted for size and gross margin).
city financial planning limited Estimated Valuation
Pomanda estimates the enterprise value of CITY FINANCIAL PLANNING LIMITED at £2.1m based on Net Assets of £866.4k and 2.38x industry multiple (adjusted for liquidity).
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City Financial Planning Limited Overview
City Financial Planning Limited is a live company located in bath, BA1 2ED with a Companies House number of 03224580. It operates in the activities auxiliary to financial intermediation n.e.c. sector, SIC Code 66190. Founded in July 1996, it's largest shareholder is frederick binstead with a 20.1% stake. City Financial Planning Limited is a mature, small sized company, Pomanda has estimated its turnover at £2.5m with healthy growth in recent years.
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City Financial Planning Limited Health Check
Pomanda's financial health check has awarded City Financial Planning Limited a 4 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
4 Strong
3 Regular
4 Weak
Size
annual sales of £2.5m, make it smaller than the average company (£4.1m)
- City Financial Planning Limited
£4.1m - Industry AVG
Growth
3 year (CAGR) sales growth of 6%, show it is growing at a slower rate (9%)
- City Financial Planning Limited
9% - Industry AVG
Production
with a gross margin of 70.3%, this company has a comparable cost of product (70.3%)
- City Financial Planning Limited
70.3% - Industry AVG
Profitability
an operating margin of 9.8% make it as profitable than the average company (8.9%)
- City Financial Planning Limited
8.9% - Industry AVG
Employees
with 26 employees, this is above the industry average (9)
26 - City Financial Planning Limited
9 - Industry AVG
Pay Structure
on an average salary of £73.6k, the company has an equivalent pay structure (£73.6k)
- City Financial Planning Limited
£73.6k - Industry AVG
Efficiency
resulting in sales per employee of £94.9k, this is less efficient (£183.3k)
- City Financial Planning Limited
£183.3k - Industry AVG
Debtor Days
it gets paid by customers after 8 days, this is earlier than average (34 days)
- City Financial Planning Limited
34 days - Industry AVG
Creditor Days
its suppliers are paid after 6 days, this is quicker than average (37 days)
- City Financial Planning Limited
37 days - Industry AVG
Stock Days
There is insufficient data available for this Key Performance Indicator!
- City Financial Planning Limited
- - Industry AVG
Cash Balance
has cash to cover current liabilities for 47 weeks, this is more cash available to meet short term requirements (28 weeks)
47 weeks - City Financial Planning Limited
28 weeks - Industry AVG
Debt Level
it has a ratio of liabilities to total assets of 28.5%, this is a lower level of debt than the average (73.6%)
28.5% - City Financial Planning Limited
73.6% - Industry AVG
CITY FINANCIAL PLANNING LIMITED financials
City Financial Planning Limited's latest turnover from December 2023 is estimated at £2.5 million and the company has net assets of £866.4 thousand. According to their latest financial statements, City Financial Planning Limited has 26 employees and maintains cash reserves of £301.7 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 | |||||||||||||||
| Other Income Or Grants | |||||||||||||||
| Cost Of Sales | |||||||||||||||
| Gross Profit | |||||||||||||||
| Admin Expenses | |||||||||||||||
| Operating Profit | |||||||||||||||
| Interest Payable | |||||||||||||||
| Interest Receivable | |||||||||||||||
| Pre-Tax Profit | |||||||||||||||
| Tax | |||||||||||||||
| Profit After Tax | |||||||||||||||
| Dividends Paid | |||||||||||||||
| Retained Profit | |||||||||||||||
| Employee Costs | |||||||||||||||
| Number Of Employees | 26 | 26 | 26 | 25 | 25 | 24 | 24 | 21 | 19 | ||||||
| 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 | 63,052 | 84,532 | 97,846 | 110,946 | 132,361 | 154,271 | 27,746 | 30,485 | 38,207 | 53,985 | 43,483 | 38,089 | 46,944 | 57,077 | 72,310 |
| Intangible Assets | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 |
| Investments & Other | 701,099 | 701,099 | 701,099 | 701,099 | 701,099 | 701,099 | 701,099 | 701,099 | 701,099 | 751,099 | 725,599 | 725,599 | 725,599 | 725,599 | 725,599 |
| Debtors (Due After 1 year) | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 30,062 | 29,029 |
| Total Fixed Assets | 764,151 | 785,631 | 798,945 | 812,045 | 833,460 | 855,370 | 728,845 | 731,584 | 739,306 | 805,084 | 769,082 | 763,688 | 772,543 | 812,738 | 826,938 |
| Stock & work in progress | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 |
| Trade Debtors | 58,156 | 60,402 | 60,402 | 74,220 | 178,028 | 174,534 | 264,742 | 177,901 | 87,505 | 641,306 | 365,461 | 185,989 | 743,124 | 557,084 | 461,341 |
| Group Debtors | 0 | 0 | 15,360 | 38,416 | 0 | 0 | 0 | 2,945 | 654,490 | 0 | 0 | 0 | 0 | 0 | 0 |
| Misc Debtors | 88,339 | 96,150 | 85,284 | 76,686 | 64,313 | 47,031 | 44,035 | 43,826 | 84,679 | 0 | 0 | 0 | 117 | 1,773 | 0 |
| Cash | 301,650 | 60,559 | 256,007 | 269,190 | 314,962 | 501,006 | 516,678 | 183,812 | 180,969 | 116,579 | 45,020 | 9,101 | 215,473 | 80,123 | 53,000 |
| misc current assets | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 |
| total current assets | 448,145 | 217,111 | 417,053 | 458,512 | 557,303 | 722,571 | 825,455 | 408,484 | 1,007,643 | 757,885 | 410,481 | 195,090 | 958,714 | 638,980 | 514,341 |
| total assets | 1,212,296 | 1,002,742 | 1,215,998 | 1,270,557 | 1,390,763 | 1,577,941 | 1,554,300 | 1,140,068 | 1,746,949 | 1,562,969 | 1,179,563 | 958,778 | 1,731,257 | 1,451,718 | 1,341,279 |
| Bank overdraft | 57,422 | 32,125 | 21,564 | 24,999 | 6,967 | 58,387 | 0 | 47,532 | 671,922 | 0 | 0 | 0 | 0 | 0 | 0 |
| Bank loan | 0 | 0 | 0 | 0 | 0 | 0 | 38,569 | 49,833 | 46,902 | 0 | 0 | 0 | 0 | 0 | 0 |
| Trade Creditors | 13,704 | 20,921 | 24,741 | 21,493 | 14,048 | 16,804 | 14,004 | 14,842 | 64,198 | 883,830 | 571,144 | 340,115 | 1,261,255 | 996,897 | 899,384 |
| Group/Directors Accounts | 22,033 | 0 | 0 | 0 | 43,459 | 135,644 | 106,128 | 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 | 0 |
| hp & lease commitments | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 |
| other current liabilities | 237,992 | 247,521 | 246,995 | 159,865 | 210,795 | 221,054 | 261,248 | 171,466 | 203,659 | 0 | 0 | 0 | 0 | 0 | 0 |
| total current liabilities | 331,151 | 300,567 | 293,300 | 206,357 | 275,269 | 431,889 | 419,949 | 283,673 | 986,681 | 883,830 | 571,144 | 340,115 | 1,261,255 | 996,897 | 899,384 |
| loans | 0 | 0 | 53,909 | 175,001 | 0 | 0 | 54,290 | 92,814 | 142,773 | 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 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 189,671 | 234,084 | 277,016 | 67,979 | 150,973 | 212,444 |
| provisions | 14,719 | 19,950 | 23,154 | 19,973 | 20,960 | 25,079 | 3,371 | 6,778 | 6,778 | 6,778 | 21,778 | 20,604 | 20,604 | 5,604 | 5,604 |
| total long term liabilities | 14,719 | 19,950 | 77,063 | 194,974 | 20,960 | 25,079 | 57,661 | 99,592 | 149,551 | 196,449 | 255,862 | 297,620 | 88,583 | 156,577 | 218,048 |
| total liabilities | 345,870 | 320,517 | 370,363 | 401,331 | 296,229 | 456,968 | 477,610 | 383,265 | 1,136,232 | 1,080,279 | 827,006 | 637,735 | 1,349,838 | 1,153,474 | 1,117,432 |
| net assets | 866,426 | 682,225 | 845,635 | 869,226 | 1,094,534 | 1,120,973 | 1,076,690 | 756,803 | 610,717 | 482,690 | 352,557 | 321,043 | 381,419 | 298,244 | 223,847 |
| total shareholders funds | 866,426 | 682,225 | 845,635 | 869,226 | 1,094,534 | 1,120,973 | 1,076,690 | 756,803 | 610,717 | 482,690 | 352,557 | 321,043 | 381,419 | 298,244 | 223,847 |
| 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 | 22,264 | 16,956 | 19,359 | 24,617 | 35,786 | 20,096 | 7,071 | 8,658 | 10,530 | 13,590 | 10,308 | 10,655 | 12,867 | 16,405 | 12,676 |
| Amortisation | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 |
| Tax | |||||||||||||||
| Stock | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 |
| Debtors | -10,057 | -4,494 | -28,276 | -53,019 | 20,776 | -87,212 | 84,105 | -602,002 | 185,368 | 275,845 | 179,472 | -557,252 | 154,322 | 98,549 | 490,370 |
| Creditors | -7,217 | -3,820 | 3,248 | 7,445 | -2,756 | 2,800 | -838 | -49,356 | -819,632 | 312,686 | 231,029 | -921,140 | 264,358 | 97,513 | 899,384 |
| Accruals and Deferred Income | -9,529 | 526 | 87,130 | -50,930 | -10,259 | -40,194 | 89,782 | -32,193 | 203,659 | 0 | 0 | 0 | 0 | 0 | 0 |
| Deferred Taxes & Provisions | -5,231 | -3,204 | 3,181 | -987 | -4,119 | 21,708 | -3,407 | 0 | 0 | -15,000 | 1,174 | 0 | 15,000 | 0 | 5,604 |
| Cash flow from operations | |||||||||||||||
| Investing Activities | |||||||||||||||
| capital expenditure | |||||||||||||||
| Change in Investments | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | -50,000 | 25,500 | 0 | 0 | 0 | 0 | 725,599 |
| cash flow from investments | |||||||||||||||
| Financing Activities | |||||||||||||||
| Bank loans | 0 | 0 | 0 | 0 | 0 | -38,569 | -11,264 | 2,931 | 46,902 | 0 | 0 | 0 | 0 | 0 | 0 |
| Group/Directors Accounts | 22,033 | 0 | 0 | -43,459 | -92,185 | 29,516 | 106,128 | 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 | 0 |
| Long term loans | 0 | -53,909 | -121,092 | 175,001 | 0 | -54,290 | -38,524 | -49,959 | 142,773 | 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 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | -189,671 | -44,413 | -42,932 | 209,037 | -82,994 | -61,471 | 212,444 |
| share issue | |||||||||||||||
| interest | |||||||||||||||
| cash flow from financing | |||||||||||||||
| cash and cash equivalents | |||||||||||||||
| cash | 241,091 | -195,448 | -13,183 | -45,772 | -186,044 | -15,672 | 332,866 | 2,843 | 64,390 | 71,559 | 35,919 | -206,372 | 135,350 | 27,123 | 53,000 |
| overdraft | 25,297 | 10,561 | -3,435 | 18,032 | -51,420 | 58,387 | -47,532 | -624,390 | 671,922 | 0 | 0 | 0 | 0 | 0 | 0 |
| change in cash | 215,794 | -206,009 | -9,748 | -63,804 | -134,624 | -74,059 | 380,398 | 627,233 | -607,532 | 71,559 | 35,919 | -206,372 | 135,350 | 27,123 | 53,000 |
city financial planning limited Credit Report and Business Information
City Financial Planning Limited Competitor Analysis
Perform a competitor analysis for city financial planning limited by selecting its closest rivals, whether from the FINANCIAL AND INSURANCE ACTIVITIES sector, other small companies, companies in BA1 area or any other competitors across 12 key performance metrics.
city financial planning limited Ownership
CITY FINANCIAL PLANNING LIMITED group structure
City Financial Planning Limited has 1 subsidiary company.
Ultimate parent company
CITY FINANCIAL PLANNING LIMITED
03224580
1 subsidiary
city financial planning limited directors
City Financial Planning Limited currently has 3 directors. The longest serving directors include Mr Timothy Quirke (Dec 2001) and Mr Craig Webster (Oct 2024).
| officer | country | age | start | end | role |
|---|---|---|---|---|---|
| Mr Timothy Quirke | 63 years | Dec 2001 | - | Director | |
| Mr Craig Webster | England | 53 years | Oct 2024 | - | Director |
| Mr Mark Pearson | 58 years | Oct 2024 | - | Director |
P&L
December 2023turnover
2.5m
+5%
operating profit
241.1k
0%
gross margin
70.4%
-2.2%
turnover
Turnover, or revenue, is the amount of sales generated by a company within the financial year.
Balance Sheet
December 2023net assets
866.4k
+0.27%
total assets
1.2m
+0.21%
cash
301.7k
+3.98%
net assets
Total assets minus all liabilities
city financial planning limited company details
company number
03224580
Type
Private limited with Share Capital
industry
66190 - Other activities auxiliary to financial services, except insurance and pension funding
incorporation date
July 1996
age
29
incorporated
UK
ultimate parent company
accounts
Total Exemption Full
last accounts submitted
December 2023
previous names
N/A
accountant
-
auditor
-
address
3 princes buildings, bath, BA1 2ED
Bank
-
Legal Advisor
-
city financial planning 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 found 5 charges/mortgages relating to city financial planning limited. Currently there are 0 open charges and 5 have been satisfied in the past.
city financial planning 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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city financial planning limited Companies House Filings - See Documents
| date | description | view/download |
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