voyager financial services limited
voyager financial services limited Company Information
Company Number
03294877
Next Accounts
May 2025
Directors
Shareholders
linda murray
andrew murray
View AllGroup Structure
View All
Industry
Fund management activities
Registered Address
22-24 james street, cardiff, CF10 5EX
voyager financial services limited Estimated Valuation
Pomanda estimates the enterprise value of VOYAGER FINANCIAL SERVICES LIMITED at £481.5k based on a Turnover of £461.7k and 1.04x industry multiple (adjusted for size and gross margin).
voyager financial services limited Estimated Valuation
Pomanda estimates the enterprise value of VOYAGER FINANCIAL SERVICES LIMITED at £20.7k based on an EBITDA of £5.2k and a 3.97x industry multiple (adjusted for size and gross margin).
voyager financial services limited Estimated Valuation
Pomanda estimates the enterprise value of VOYAGER FINANCIAL SERVICES LIMITED at £3.6k based on Net Assets of £3.5k and 1.02x industry multiple (adjusted for liquidity).
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Voyager Financial Services Limited Overview
Voyager Financial Services Limited is a live company located in cardiff, CF10 5EX with a Companies House number of 03294877. It operates in the fund management activities sector, SIC Code 66300. Founded in December 1996, it's largest shareholder is linda murray with a 95.2% stake. Voyager Financial Services Limited is a mature, micro sized company, Pomanda has estimated its turnover at £461.7k with healthy growth in recent years.
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Voyager Financial Services Limited Health Check
Pomanda's financial health check has awarded Voyager Financial Services Limited a 2 rating. We use a traffic light system to show it exceeds the industry average on 1 measures and has 5 areas for improvement. Company Health Check FAQs
1 Strong
4 Regular
5 Weak
Size
annual sales of £461.7k, make it smaller than the average company (£2.9m)
- Voyager Financial Services Limited
£2.9m - Industry AVG
Growth
3 year (CAGR) sales growth of 6%, show it is growing at a similar rate (6.3%)
- Voyager Financial Services Limited
6.3% - Industry AVG
Production
with a gross margin of 95.3%, this company has a comparable cost of product (95.3%)
- Voyager Financial Services Limited
95.3% - Industry AVG
Profitability
an operating margin of 1.1% make it less profitable than the average company (9.3%)
- Voyager Financial Services Limited
9.3% - Industry AVG
Employees
with 2 employees, this is below the industry average (10)
2 - Voyager Financial Services Limited
10 - Industry AVG
Pay Structure
on an average salary of £162.6k, the company has an equivalent pay structure (£162.6k)
- Voyager Financial Services Limited
£162.6k - Industry AVG
Efficiency
resulting in sales per employee of £230.8k, this is less efficient (£359.8k)
- Voyager Financial Services Limited
£359.8k - Industry AVG
Debtor Days
it gets paid by customers after 0 days, this is earlier than average (27 days)
- Voyager Financial Services Limited
27 days - Industry AVG
Creditor Days
There is insufficient data available for this Key Performance Indicator!
- Voyager Financial Services Limited
- - Industry AVG
Stock Days
There is insufficient data available for this Key Performance Indicator!
- Voyager Financial Services Limited
- - Industry AVG
Cash Balance
has cash to cover current liabilities for 58 weeks, this is average cash available to meet short term requirements (55 weeks)
58 weeks - Voyager Financial Services Limited
55 weeks - Industry AVG
Debt Level
it has a ratio of liabilities to total assets of 97%, this is a higher level of debt than the average (39.2%)
97% - Voyager Financial Services Limited
39.2% - Industry AVG
VOYAGER FINANCIAL SERVICES LIMITED financials
Voyager Financial Services Limited's latest turnover from August 2023 is estimated at £461.7 thousand and the company has net assets of £3.5 thousand. According to their latest financial statements, Voyager Financial Services Limited has 2 employees and maintains cash reserves of £49.1 thousand as reported in the balance sheet.
Data source: Companies House, Pomanda Estimates
| Aug 2023 | Aug 2022 | Aug 2021 | Aug 2020 | Aug 2019 | Aug 2018 | Aug 2017 | Aug 2016 | Aug 2015 | Aug 2014 | Aug 2013 | Aug 2012 | May 2011 | May 2010 | |
|---|---|---|---|---|---|---|---|---|---|---|---|---|---|---|
| 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 | 2 | 2 | 2 | 2 | 2 | 2 | 3 | |||||||
| EBITDA* |
* Earnings Before Interest, Tax, Depreciation and Amortisation
| Aug 2023 | Aug 2022 | Aug 2021 | Aug 2020 | Aug 2019 | Aug 2018 | Aug 2017 | Aug 2016 | Aug 2015 | Aug 2014 | Aug 2013 | Aug 2012 | May 2011 | May 2010 | |
|---|---|---|---|---|---|---|---|---|---|---|---|---|---|---|
| Tangible Assets | 134 | 285 | 447 | 438 | 643 | 244 | 399 | 432 | 826 | 1,292 | 1,081 | 1,005 | 1,234 | 2,015 |
| Intangible Assets | ||||||||||||||
| Investments & Other | ||||||||||||||
| Debtors (Due After 1 year) | ||||||||||||||
| Total Fixed Assets | 134 | 285 | 447 | 438 | 643 | 244 | 399 | 432 | 826 | 1,292 | 1,081 | 1,005 | 1,234 | 2,015 |
| Stock & work in progress | ||||||||||||||
| Trade Debtors | 4 | 1,078 | 1,091 | 11 | 22 | 744 | 4,167 | 159 | 17,511 | 6,014 | 440 | 7,378 | 14,643 | 27,493 |
| Group Debtors | ||||||||||||||
| Misc Debtors | 69,222 | 71,186 | 61,899 | 43,668 | 34,474 | 26,327 | 12,872 | 19,823 | 20,382 | 24,505 | 9,222 | 5,641 | 16,091 | |
| Cash | 49,054 | 42,469 | 59,351 | 30,125 | 25,004 | 35,002 | 40,001 | 18,279 | 15,131 | 2,994 | 20 | 20,000 | 40,000 | 3,984 |
| misc current assets | 52 | |||||||||||||
| total current assets | 118,280 | 114,733 | 122,341 | 73,804 | 59,500 | 62,073 | 57,092 | 38,261 | 32,642 | 29,390 | 24,965 | 36,600 | 60,284 | 47,568 |
| total assets | 118,414 | 115,018 | 122,788 | 74,242 | 60,143 | 62,317 | 57,491 | 38,693 | 33,468 | 30,682 | 26,046 | 37,605 | 61,518 | 49,583 |
| Bank overdraft | 11,009 | 9,617 | 10,338 | 6,071 | 6,018 | 4,196 | 5,484 | 5,829 | ||||||
| Bank loan | ||||||||||||||
| Trade Creditors | 1,601 | 2,961 | 18,077 | 19,679 | 14,796 | 23,358 | 29,238 | 20,851 | ||||||
| Group/Directors Accounts | ||||||||||||||
| other short term finances | 527 | 1,175 | 2,607 | |||||||||||
| hp & lease commitments | ||||||||||||||
| other current liabilities | 32,318 | 30,325 | 28,722 | 32,193 | 21,184 | 36,706 | 29,193 | 18,070 | ||||||
| total current liabilities | 43,327 | 40,469 | 40,235 | 40,871 | 27,202 | 40,902 | 36,278 | 26,860 | 18,077 | 19,679 | 14,796 | 23,358 | 29,238 | 20,851 |
| loans | 29,298 | 34,298 | 37,750 | |||||||||||
| hp & lease commitments | ||||||||||||||
| Accruals and Deferred Income | ||||||||||||||
| other liabilities | ||||||||||||||
| provisions | 42,285 | 38,761 | 35,820 | 29,646 | 20,911 | 20,138 | 17,138 | 11,318 | 11,318 | 9,068 | 8,068 | 8,068 | 31,068 | 28,283 |
| total long term liabilities | 71,583 | 73,059 | 73,570 | 29,646 | 20,911 | 20,138 | 17,138 | 11,318 | 11,318 | 9,068 | 8,068 | 8,068 | 31,068 | 28,283 |
| total liabilities | 114,910 | 113,528 | 113,805 | 70,517 | 48,113 | 61,040 | 53,416 | 38,178 | 29,395 | 28,747 | 22,864 | 31,426 | 60,306 | 49,134 |
| net assets | 3,504 | 1,490 | 8,983 | 3,725 | 12,030 | 1,277 | 4,075 | 515 | 4,073 | 1,935 | 3,182 | 6,179 | 1,212 | 449 |
| total shareholders funds | 3,504 | 1,490 | 8,983 | 3,725 | 12,030 | 1,277 | 4,075 | 515 | 4,073 | 1,935 | 3,182 | 6,179 | 1,212 | 449 |
| Aug 2023 | Aug 2022 | Aug 2021 | Aug 2020 | Aug 2019 | Aug 2018 | Aug 2017 | Aug 2016 | Aug 2015 | Aug 2014 | Aug 2013 | Aug 2012 | May 2011 | May 2010 | |
|---|---|---|---|---|---|---|---|---|---|---|---|---|---|---|
| Operating Activities | ||||||||||||||
| Operating Profit | ||||||||||||||
| Depreciation | 151 | 162 | 236 | 205 | 99 | 155 | 332 | 394 | 466 | 612 | 506 | 579 | 1,220 | 1,185 |
| Amortisation | ||||||||||||||
| Tax | ||||||||||||||
| Stock | ||||||||||||||
| Debtors | -3,038 | 9,274 | 19,311 | 9,183 | 7,425 | 10,032 | -2,943 | 2,471 | -8,885 | 1,451 | 8,345 | -3,684 | -23,300 | 43,584 |
| Creditors | -1,601 | -1,360 | -15,116 | -1,602 | 4,883 | -8,562 | -5,880 | 8,387 | 20,851 | |||||
| Accruals and Deferred Income | 1,993 | 1,603 | -3,471 | 11,009 | -15,522 | 7,513 | 11,123 | 18,070 | ||||||
| Deferred Taxes & Provisions | 3,524 | 2,941 | 6,174 | 8,735 | 773 | 3,000 | 5,820 | 2,250 | 1,000 | -23,000 | 2,785 | 28,283 | ||
| Cash flow from operations | ||||||||||||||
| Investing Activities | ||||||||||||||
| capital expenditure | ||||||||||||||
| Change in Investments | ||||||||||||||
| cash flow from investments | ||||||||||||||
| Financing Activities | ||||||||||||||
| Bank loans | ||||||||||||||
| Group/Directors Accounts | ||||||||||||||
| Other Short Term Loans | -527 | -648 | -1,432 | 2,607 | ||||||||||
| Long term loans | -5,000 | -3,452 | 37,750 | |||||||||||
| Hire Purchase and Lease Commitments | ||||||||||||||
| other long term liabilities | ||||||||||||||
| share issue | ||||||||||||||
| interest | ||||||||||||||
| cash flow from financing | ||||||||||||||
| cash and cash equivalents | ||||||||||||||
| cash | 6,585 | -16,882 | 29,226 | 5,121 | -9,998 | -4,999 | 21,722 | 3,148 | 12,137 | 2,974 | -19,980 | -20,000 | 36,016 | 3,984 |
| overdraft | 1,392 | -721 | 4,267 | 53 | 1,822 | -1,288 | -345 | 5,829 | ||||||
| change in cash | 5,193 | -16,161 | 24,959 | 5,068 | -11,820 | -3,711 | 22,067 | -2,681 | 12,137 | 2,974 | -19,980 | -20,000 | 36,016 | 3,984 |
voyager financial services limited Credit Report and Business Information
Voyager Financial Services Limited Competitor Analysis
Perform a competitor analysis for voyager financial services limited by selecting its closest rivals, whether from the FINANCIAL AND INSURANCE ACTIVITIES sector, other micro companies, companies in CF10 area or any other competitors across 12 key performance metrics.
voyager financial services limited Ownership
VOYAGER FINANCIAL SERVICES LIMITED group structure
Voyager Financial Services Limited has no subsidiary companies.
Ultimate parent company
VOYAGER FINANCIAL SERVICES LIMITED
03294877
voyager financial services limited directors
Voyager Financial Services Limited currently has 1 director, Mrs Linda Murray serving since Dec 1996.
| officer | country | age | start | end | role |
|---|---|---|---|---|---|
| Mrs Linda Murray | Wales | 64 years | Dec 1996 | - | Director |
P&L
August 2023turnover
461.7k
+3%
operating profit
5k
0%
gross margin
95.3%
-1.02%
turnover
Turnover, or revenue, is the amount of sales generated by a company within the financial year.
Balance Sheet
August 2023net assets
3.5k
+1.35%
total assets
118.4k
+0.03%
cash
49.1k
+0.16%
net assets
Total assets minus all liabilities
voyager financial services limited company details
company number
03294877
Type
Private limited with Share Capital
industry
66300 - Fund management activities
incorporation date
December 1996
age
29
incorporated
UK
ultimate parent company
accounts
Total Exemption Full
last accounts submitted
August 2023
previous names
N/A
accountant
O'BRIEN & PARTNERS
auditor
-
address
22-24 james street, cardiff, CF10 5EX
Bank
THE ROYAL BANK OF SCOTLAND PLC
Legal Advisor
-
voyager financial services 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 voyager financial services limited.
voyager financial services 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 VOYAGER FINANCIAL SERVICES LIMITED. This can take several minutes, an email will notify you when this has completed.
voyager financial services limited Companies House Filings - See Documents
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