gallagher risk & reward limited
gallagher risk & reward limited Company Information
Company Number
03265272
Next Accounts
Sep 2025
Shareholders
gallagher benefit services management company limited
Group Structure
View All
Industry
Pension funding
Registered Address
the walbrook building, 25 walbrook, london, EC4N 8AW
Website
www.gallaghereb.comgallagher risk & reward limited Estimated Valuation
Pomanda estimates the enterprise value of GALLAGHER RISK & REWARD LIMITED at £13.6m based on a Turnover of £27.7m and 0.49x industry multiple (adjusted for size and gross margin).
gallagher risk & reward limited Estimated Valuation
Pomanda estimates the enterprise value of GALLAGHER RISK & REWARD LIMITED at £8.5m based on an EBITDA of £1.9m and a 4.46x industry multiple (adjusted for size and gross margin).
gallagher risk & reward limited Estimated Valuation
Pomanda estimates the enterprise value of GALLAGHER RISK & REWARD LIMITED at £14.7m based on Net Assets of £8.4m and 1.76x industry multiple (adjusted for liquidity).
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Gallagher Risk & Reward Limited Overview
Gallagher Risk & Reward Limited is a live company located in london, EC4N 8AW with a Companies House number of 03265272. It operates in the pension funding sector, SIC Code 65300. Founded in October 1996, it's largest shareholder is gallagher benefit services management company limited with a 100% stake. Gallagher Risk & Reward Limited is a mature, large sized company, Pomanda has estimated its turnover at £27.7m with high growth in recent years.
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Gallagher Risk & Reward Limited Health Check
Pomanda's financial health check has awarded Gallagher Risk & Reward Limited a 2 rating. We use a traffic light system to show it exceeds the industry average on 3 measures and has 6 areas for improvement. Company Health Check FAQs
3 Strong
1 Regular
6 Weak
Size
annual sales of £27.7m, make it larger than the average company (£2.4m)
£27.7m - Gallagher Risk & Reward Limited
£2.4m - Industry AVG
Growth
3 year (CAGR) sales growth of 16%, show it is growing at a faster rate (8%)
16% - Gallagher Risk & Reward Limited
8% - Industry AVG
Production
with a gross margin of 4.4%, this company has a higher cost of product (100%)
4.4% - Gallagher Risk & Reward Limited
100% - Industry AVG
Profitability
an operating margin of 6.5% make it less profitable than the average company (11.4%)
6.5% - Gallagher Risk & Reward Limited
11.4% - Industry AVG
Employees
with 258 employees, this is above the industry average (11)
258 - Gallagher Risk & Reward Limited
11 - Industry AVG
Pay Structure
on an average salary of £79.7k, the company has a higher pay structure (£55.6k)
£79.7k - Gallagher Risk & Reward Limited
£55.6k - Industry AVG
Efficiency
resulting in sales per employee of £107.3k, this is equally as efficient (£113k)
£107.3k - Gallagher Risk & Reward Limited
£113k - Industry AVG
Debtor Days
it gets paid by customers after 55 days, this is later than average (33 days)
55 days - Gallagher Risk & Reward Limited
33 days - Industry AVG
Creditor Days
There is insufficient data available for this Key Performance Indicator!
- - Gallagher Risk & Reward Limited
- - Industry AVG
Stock Days
There is insufficient data available for this Key Performance Indicator!
- - Gallagher Risk & Reward Limited
- - Industry AVG
Cash Balance
has cash to cover current liabilities for 7 weeks, this is less cash available to meet short term requirements (52 weeks)
7 weeks - Gallagher Risk & Reward Limited
52 weeks - Industry AVG
Debt Level
it has a ratio of liabilities to total assets of 62.1%, this is a higher level of debt than the average (35.9%)
62.1% - Gallagher Risk & Reward Limited
35.9% - Industry AVG
GALLAGHER RISK & REWARD LIMITED financials
Gallagher Risk & Reward Limited's latest turnover from December 2023 is £27.7 million and the company has net assets of £8.4 million. According to their latest financial statements, Gallagher Risk & Reward Limited has 258 employees and maintains cash reserves of £2.1 million 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 | 27,682,000 | 24,268,000 | 20,973,000 | 17,931,000 | 16,598,000 | 15,731,000 | 17,517,000 | 19,933,000 | 22,700,000 | 14,061,000 | 6,793,000 | 2,035,921 | 1,921,454 | 1,755,194 | 1,880,155 |
| Other Income Or Grants | |||||||||||||||
| Cost Of Sales | 26,456,000 | 22,239,000 | |||||||||||||
| Gross Profit | 1,226,000 | 2,029,000 | |||||||||||||
| Admin Expenses | |||||||||||||||
| Operating Profit | 2,893,000 | 3,350,000 | 1,551,000 | 1,280,000 | 1,788,000 | 1,279,000 | 2,378,000 | 472,000 | 345,000 | 363,188 | 675,210 | 302,678 | 584,041 | ||
| Interest Payable | 100,000 | 204,000 | 191,000 | 334,000 | 73 | ||||||||||
| Interest Receivable | 176,000 | 31,000 | 1,000 | 317 | 5,270 | 3,755 | |||||||||
| Pre-Tax Profit | 1,402,000 | 2,060,000 | 2,893,000 | 3,350,000 | 1,552,000 | 1,280,000 | 1,688,000 | 1,075,000 | 2,187,000 | 138,000 | 345,000 | 363,188 | 675,527 | 307,948 | 587,723 |
| Tax | 6,000 | -845,000 | 88,000 | -141,000 | 35,000 | -97,000 | -142,000 | 19,000 | -120,000 | -68,000 | -57,000 | 98,790 | -197,693 | -134,464 | -154,050 |
| Profit After Tax | 1,408,000 | 1,215,000 | 2,981,000 | 3,209,000 | 1,587,000 | 1,183,000 | 1,546,000 | 1,094,000 | 2,067,000 | 70,000 | 288,000 | 461,978 | 477,834 | 173,484 | 433,673 |
| Dividends Paid | 9,000,000 | 2,000,000 | 3,600,000 | 680,790 | 300,000 | ||||||||||
| Retained Profit | 1,408,000 | 1,215,000 | -6,019,000 | 3,209,000 | -413,000 | -2,417,000 | 1,546,000 | 1,094,000 | 2,067,000 | 70,000 | 288,000 | 461,978 | 477,834 | -507,306 | 133,673 |
| Employee Costs | 20,555,000 | 17,383,000 | 14,936,000 | 12,746,000 | 13,390,000 | 11,144,000 | 11,816,000 | 12,697,000 | 14,063,000 | 8,784,000 | 2,711,000 | 1,093,802 | 828,143 | 843,199 | 903,548 |
| Number Of Employees | 258 | 236 | 214 | 197 | 185 | 196 | 202 | 214 | 222 | 117 | 37 | 17 | 12 | 17 | |
| EBITDA* | 2,928,000 | 3,384,000 | 2,358,000 | 2,653,000 | 3,176,000 | 2,915,000 | 4,730,000 | 1,127,000 | 362,000 | 375,346 | 688,673 | 322,119 | 600,421 |
* 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 | 247,000 | 250,000 | 184,000 | 170,000 | 201,000 | 221,000 | 244,000 | 285,000 | 104,000 | 137,000 | 46,000 | 8,005 | 19,562 | 33,025 | 20,218 |
| Intangible Assets | 728,000 | 2,058,000 | 3,388,000 | 4,966,000 | 9,428,000 | ||||||||||
| Investments & Other | 13,000 | 13,000 | 13,000 | 13,000 | 13,000 | ||||||||||
| Debtors (Due After 1 year) | |||||||||||||||
| Total Fixed Assets | 247,000 | 250,000 | 184,000 | 170,000 | 201,000 | 962,000 | 2,315,000 | 3,686,000 | 5,083,000 | 9,578,000 | 46,000 | 8,005 | 19,562 | 33,025 | 20,218 |
| Stock & work in progress | |||||||||||||||
| Trade Debtors | 4,229,000 | 3,573,000 | 3,535,000 | 2,206,000 | 2,122,000 | 1,834,000 | 1,531,000 | 3,530,000 | 3,091,000 | 1,650,000 | 1,408,000 | 452,148 | 184,995 | 93,799 | 201,122 |
| Group Debtors | 15,339,000 | 12,553,000 | 15,488,000 | 14,665,000 | 13,845,000 | 14,281,000 | 13,546,000 | 13,467,000 | 13,586,000 | 7,153,000 | 8,302,000 | 1,749,928 | 1,381,017 | 30,790 | |
| Misc Debtors | 159,000 | 89,000 | 139,000 | 205,000 | 306,000 | 273,000 | 156,000 | 162,000 | 149,000 | 458,000 | 60,000 | 116,547 | 72,140 | 58,485 | 76,525 |
| Cash | 2,104,000 | 768,000 | 912,000 | 1,350,000 | 1,335,000 | 899,000 | 3,535,000 | 9,100,000 | 2,341,000 | 3,259,000 | 1,318,000 | 323,192 | 431,850 | 476,099 | 617,937 |
| misc current assets | |||||||||||||||
| total current assets | 21,831,000 | 16,983,000 | 20,074,000 | 18,426,000 | 17,608,000 | 17,287,000 | 18,768,000 | 26,259,000 | 19,167,000 | 12,520,000 | 11,088,000 | 2,641,815 | 2,070,002 | 628,383 | 926,374 |
| total assets | 22,078,000 | 17,233,000 | 20,258,000 | 18,596,000 | 17,809,000 | 18,249,000 | 21,083,000 | 29,945,000 | 24,250,000 | 22,098,000 | 11,134,000 | 2,649,820 | 2,089,564 | 661,408 | 946,592 |
| Bank overdraft | |||||||||||||||
| Bank loan | |||||||||||||||
| Trade Creditors | 211,000 | 222,000 | 172,000 | 693,000 | 195,000 | 172,000 | 134,000 | 199,000 | 186,000 | 104,741 | 200,158 | 95,662 | 43,466 | ||
| Group/Directors Accounts | 5,712,000 | 4,136,000 | 9,985,000 | 3,446,000 | 6,007,000 | 5,847,000 | 6,717,000 | 17,592,000 | 12,654,000 | 14,923,000 | 6,352,000 | 1,210,008 | 932,756 | 197,432 | |
| other short term finances | |||||||||||||||
| hp & lease commitments | |||||||||||||||
| other current liabilities | 7,987,000 | 6,128,000 | 4,272,000 | 3,169,000 | 2,858,000 | 2,500,000 | 2,602,000 | 2,058,000 | 2,720,000 | 3,157,000 | 750,000 | 277,393 | 360,950 | 250,448 | 277,954 |
| total current liabilities | 13,699,000 | 10,264,000 | 14,468,000 | 6,837,000 | 9,037,000 | 9,040,000 | 9,514,000 | 19,822,000 | 15,508,000 | 18,279,000 | 7,288,000 | 1,592,142 | 1,493,864 | 543,542 | 321,420 |
| loans | 2,500,000 | ||||||||||||||
| hp & lease commitments | |||||||||||||||
| Accruals and Deferred Income | 196,000 | 183,000 | 183,000 | 228,000 | |||||||||||
| other liabilities | 28,000 | ||||||||||||||
| provisions | 18,000 | 16,000 | 52,000 | 2,000 | 65,000 | 8,000 | 63,000 | 4,000 | 2,403,000 | ||||||
| total long term liabilities | 18,000 | 16,000 | 52,000 | 2,000 | 224,000 | 248,000 | 191,000 | 291,000 | 4,000 | 2,403,000 | 2,500,000 | ||||
| total liabilities | 13,717,000 | 10,280,000 | 14,520,000 | 6,839,000 | 9,261,000 | 9,288,000 | 9,705,000 | 20,113,000 | 15,512,000 | 20,682,000 | 9,788,000 | 1,592,142 | 1,493,864 | 543,542 | 321,420 |
| net assets | 8,361,000 | 6,953,000 | 5,738,000 | 11,757,000 | 8,548,000 | 8,961,000 | 11,378,000 | 9,832,000 | 8,738,000 | 1,416,000 | 1,346,000 | 1,057,678 | 595,700 | 117,866 | 625,172 |
| total shareholders funds | 8,361,000 | 6,953,000 | 5,738,000 | 11,757,000 | 8,548,000 | 8,961,000 | 11,378,000 | 9,832,000 | 8,738,000 | 1,416,000 | 1,346,000 | 1,057,678 | 595,700 | 117,866 | 625,172 |
| 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 | 2,893,000 | 3,350,000 | 1,551,000 | 1,280,000 | 1,788,000 | 1,279,000 | 2,378,000 | 472,000 | 345,000 | 363,188 | 675,210 | 302,678 | 584,041 | ||
| Depreciation | 101,000 | 61,000 | 35,000 | 34,000 | 79,000 | 43,000 | 58,000 | 58,000 | 65,000 | 47,000 | 17,000 | 12,158 | 13,463 | 19,441 | 16,380 |
| Amortisation | 728,000 | 1,330,000 | 1,330,000 | 1,578,000 | 2,287,000 | 608,000 | |||||||||
| Tax | 6,000 | -845,000 | 88,000 | -141,000 | 35,000 | -97,000 | -142,000 | 19,000 | -120,000 | -68,000 | -57,000 | 98,790 | -197,693 | -134,464 | -154,050 |
| Stock | |||||||||||||||
| Debtors | 3,512,000 | -2,947,000 | 2,086,000 | 803,000 | -115,000 | 1,155,000 | -1,926,000 | 333,000 | 7,565,000 | -509,000 | 7,451,377 | 680,471 | 1,485,868 | -156,153 | 308,437 |
| Creditors | -211,000 | -11,000 | 50,000 | -521,000 | 498,000 | 23,000 | 38,000 | -65,000 | 13,000 | 81,259 | -95,417 | 104,496 | 52,196 | 43,466 | |
| Accruals and Deferred Income | 1,859,000 | 1,856,000 | 1,103,000 | 115,000 | 371,000 | -102,000 | 499,000 | -434,000 | -437,000 | 2,407,000 | 472,607 | -83,557 | 110,502 | -27,506 | 277,954 |
| Deferred Taxes & Provisions | 2,000 | -36,000 | 50,000 | 2,000 | -65,000 | 57,000 | -55,000 | 59,000 | -2,399,000 | 2,403,000 | |||||
| Cash flow from operations | 2,072,000 | 2,607,000 | 2,293,000 | 1,854,000 | 5,427,000 | 2,264,000 | -5,856,000 | 6,391,000 | -6,592,511 | -385,309 | -779,890 | 368,498 | 459,354 | ||
| Investing Activities | |||||||||||||||
| capital expenditure | |||||||||||||||
| Change in Investments | -13,000 | 13,000 | |||||||||||||
| cash flow from investments | |||||||||||||||
| Financing Activities | |||||||||||||||
| Bank loans | |||||||||||||||
| Group/Directors Accounts | 1,576,000 | -5,849,000 | 6,539,000 | -2,561,000 | 160,000 | -870,000 | -10,875,000 | 4,938,000 | -2,269,000 | 8,571,000 | 5,141,992 | 277,252 | 735,324 | 197,432 | |
| Other Short Term Loans | |||||||||||||||
| Long term loans | -2,500,000 | 2,500,000 | |||||||||||||
| Hire Purchase and Lease Commitments | |||||||||||||||
| other long term liabilities | -28,000 | 28,000 | |||||||||||||
| share issue | |||||||||||||||
| interest | 176,000 | 31,000 | 1,000 | -100,000 | -204,000 | -191,000 | -334,000 | 317 | 5,270 | 3,682 | |||||
| cash flow from financing | 1,752,000 | -5,818,000 | 6,539,000 | -2,589,000 | 189,000 | -870,000 | -10,975,000 | 4,734,000 | 2,795,000 | 5,737,000 | 7,642,314 | 277,252 | 735,641 | 202,702 | 495,181 |
| cash and cash equivalents | |||||||||||||||
| cash | 1,336,000 | -144,000 | -438,000 | 15,000 | 436,000 | -2,636,000 | -5,565,000 | 6,759,000 | -918,000 | 1,941,000 | 994,808 | -108,658 | -44,249 | -141,838 | 617,937 |
| overdraft | |||||||||||||||
| change in cash | 1,336,000 | -144,000 | -438,000 | 15,000 | 436,000 | -2,636,000 | -5,565,000 | 6,759,000 | -918,000 | 1,941,000 | 994,808 | -108,658 | -44,249 | -141,838 | 617,937 |
gallagher risk & reward limited Credit Report and Business Information
Gallagher Risk & Reward Limited Competitor Analysis
Perform a competitor analysis for gallagher risk & reward limited by selecting its closest rivals, whether from the FINANCIAL AND INSURANCE ACTIVITIES sector, other large companies, companies in EC4N area or any other competitors across 12 key performance metrics.
gallagher risk & reward limited Ownership
GALLAGHER RISK & REWARD LIMITED group structure
Gallagher Risk & Reward Limited has no subsidiary companies.
Ultimate parent company
ARTHUR J GALLAGHER & CO
#0013330
2 parents
GALLAGHER RISK & REWARD LIMITED
03265272
gallagher risk & reward limited directors
Gallagher Risk & Reward Limited currently has 7 directors. The longest serving directors include Mr Maurice Brunet (Apr 2016) and Mr Simon Waugh (Apr 2016).
| officer | country | age | start | end | role |
|---|---|---|---|---|---|
| Mr Maurice Brunet | United Kingdom | 67 years | Apr 2016 | - | Director |
| Mr Simon Waugh | United Kingdom | 67 years | Apr 2016 | - | Director |
| Mr Matthew Lucas | United Kingdom | 52 years | May 2019 | - | Director |
| Mr Nick Burns | United Kingdom | 58 years | Oct 2019 | - | Director |
| Mr Andrew French | 60 years | Dec 2019 | - | Director | |
| Mr Steven Threader | United Kingdom | 61 years | Feb 2020 | - | Director |
| Mr David Piltz | United Kingdom | 50 years | Jan 2024 | - | Director |
P&L
December 2023turnover
27.7m
+14%
operating profit
1.8m
0%
gross margin
4.5%
-47.03%
turnover
Turnover, or revenue, is the amount of sales generated by a company within the financial year.
Balance Sheet
December 2023net assets
8.4m
+0.2%
total assets
22.1m
+0.28%
cash
2.1m
+1.74%
net assets
Total assets minus all liabilities
gallagher risk & reward limited company details
company number
03265272
Type
Private limited with Share Capital
industry
65300 - Pension funding
incorporation date
October 1996
age
29
incorporated
UK
ultimate parent company
accounts
Full Accounts
last accounts submitted
December 2023
previous names
risk & reward consulting limited (November 2011)
bms financial services limited (February 2002)
See moreaccountant
-
auditor
ERNST & YOUNG LLP
address
the walbrook building, 25 walbrook, london, EC4N 8AW
Bank
BARCLAYS BANK PLC
Legal Advisor
-
gallagher risk & reward 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 2 charges/mortgages relating to gallagher risk & reward limited. Currently there are 0 open charges and 2 have been satisfied in the past.
gallagher risk & reward 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.
Click to start generating capital raising & share issue transactions for GALLAGHER RISK & REWARD LIMITED. This can take several minutes, an email will notify you when this has completed.
gallagher risk & reward limited Companies House Filings - See Documents
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