teachers financial services limited
teachers financial services limited Company Information
Company Number
03401635
Next Accounts
Sep 2025
Shareholders
liverpool victoria financial services limited
Group Structure
View All
Industry
Other activities auxiliary to financial services, except insurance and pension funding
Registered Address
county gates, bournemouth, BH1 2NF
Website
www.teachersfs.comteachers financial services limited Estimated Valuation
Pomanda estimates the enterprise value of TEACHERS FINANCIAL SERVICES LIMITED at £30.7k based on a Turnover of £35k and 0.88x industry multiple (adjusted for size and gross margin).
teachers financial services limited Estimated Valuation
Pomanda estimates the enterprise value of TEACHERS FINANCIAL SERVICES LIMITED at £132.1k based on an EBITDA of £33k and a 4x industry multiple (adjusted for size and gross margin).
teachers financial services limited Estimated Valuation
Pomanda estimates the enterprise value of TEACHERS FINANCIAL SERVICES LIMITED at £1.1m based on Net Assets of £483k and 2.22x industry multiple (adjusted for liquidity).
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Teachers Financial Services Limited Overview
Teachers Financial Services Limited is a live company located in bournemouth, BH1 2NF with a Companies House number of 03401635. It operates in the activities auxiliary to financial intermediation n.e.c. sector, SIC Code 66190. Founded in July 1997, it's largest shareholder is liverpool victoria financial services limited with a 100% stake. Teachers Financial Services Limited is a mature, micro sized company, Pomanda has estimated its turnover at £35k with healthy growth in recent years.
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Teachers Financial Services Limited Health Check
Pomanda's financial health check has awarded Teachers Financial Services Limited a 4.5 rating. We use a traffic light system to show it exceeds the industry average on 5 measures and has 3 areas for improvement. Company Health Check FAQs
5 Strong
1 Regular
3 Weak
Size
annual sales of £35k, make it smaller than the average company (£4.1m)
£35k - Teachers Financial Services Limited
£4.1m - Industry AVG
Growth
3 year (CAGR) sales growth of 13%, show it is growing at a faster rate (9.4%)
13% - Teachers Financial Services Limited
9.4% - Industry AVG
Production
with a gross margin of 97.1%, this company has a lower cost of product (69.2%)
97.1% - Teachers Financial Services Limited
69.2% - Industry AVG
Profitability
an operating margin of 94.3% make it more profitable than the average company (8.9%)
94.3% - Teachers Financial Services Limited
8.9% - Industry AVG
Employees
with 1 employees, this is below the industry average (9)
- Teachers Financial Services Limited
9 - Industry AVG
Pay Structure
on an average salary of £73.5k, the company has an equivalent pay structure (£73.5k)
- Teachers Financial Services Limited
£73.5k - Industry AVG
Efficiency
resulting in sales per employee of £35k, this is less efficient (£182.5k)
- Teachers Financial Services Limited
£182.5k - Industry AVG
Debtor Days
There is insufficient data available for this Key Performance Indicator!
- - Teachers Financial Services Limited
- - Industry AVG
Creditor Days
There is insufficient data available for this Key Performance Indicator!
- - Teachers Financial Services Limited
- - Industry AVG
Stock Days
There is insufficient data available for this Key Performance Indicator!
- - Teachers Financial Services Limited
- - Industry AVG
Cash Balance
has cash to cover current liabilities for 1984 weeks, this is more cash available to meet short term requirements (28 weeks)
1984 weeks - Teachers Financial Services Limited
28 weeks - Industry AVG
Debt Level
it has a ratio of liabilities to total assets of 2.6%, this is a lower level of debt than the average (74.4%)
2.6% - Teachers Financial Services Limited
74.4% - Industry AVG
TEACHERS FINANCIAL SERVICES LIMITED financials
Teachers Financial Services Limited's latest turnover from December 2023 is £35 thousand and the company has net assets of £483 thousand. According to their latest financial statements, we estimate that Teachers Financial Services Limited has 1 employee and maintains cash reserves of £496 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 | 35,000 | 31,000 | 22,000 | 24,000 | 30,000 | 36,000 | 30,000 | 38,000 | 84,000 | 49,173 | 43,107 | 51,260 | 350,547 | 375,430 | 449,353 |
| Other Income Or Grants | |||||||||||||||
| Cost Of Sales | 1,000 | ||||||||||||||
| Gross Profit | 34,000 | ||||||||||||||
| Admin Expenses | 1,000 | ||||||||||||||
| Operating Profit | 33,000 | -65,721 | -96,424 | -155,105 | -236,501 | -199,405 | -310,156 | ||||||||
| Interest Payable | |||||||||||||||
| Interest Receivable | 6,117 | 3,271 | 6,826 | 8,254 | 6,293 | 9,430 | |||||||||
| Pre-Tax Profit | 33,000 | 28,000 | 20,000 | 21,000 | 27,000 | 41,000 | 26,000 | 32,000 | -165,000 | -59,604 | -93,153 | -148,279 | -228,412 | -193,112 | -300,726 |
| Tax | -8,000 | -5,000 | -4,000 | -4,000 | -5,000 | -8,000 | -5,000 | -6,000 | 165,000 | 59,604 | 93,153 | 148,279 | 220,577 | 209,108 | 306,360 |
| Profit After Tax | 25,000 | 23,000 | 16,000 | 17,000 | 22,000 | 33,000 | 21,000 | 26,000 | -7,835 | 15,996 | 5,634 | ||||
| Dividends Paid | 500,000 | ||||||||||||||
| Retained Profit | 25,000 | 23,000 | 16,000 | 17,000 | 22,000 | 33,000 | -479,000 | 26,000 | -7,835 | 15,996 | 5,634 | ||||
| Employee Costs | |||||||||||||||
| Number Of Employees | |||||||||||||||
| EBITDA* | 33,000 | -65,721 | -96,424 | -155,105 | -236,501 | -199,405 | -310,156 |
* 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 | |||||||||||||||
| Intangible Assets | |||||||||||||||
| Investments & Other | |||||||||||||||
| Debtors (Due After 1 year) | |||||||||||||||
| Total Fixed Assets | |||||||||||||||
| Stock & work in progress | |||||||||||||||
| Trade Debtors | 4,225 | 6,594 | 9,086 | 31,593 | 31,884 | 21,066 | |||||||||
| Group Debtors | 152,757 | 93,153 | 541,207 | 358,235 | 334,634 | 418,258 | |||||||||
| Misc Debtors | 1,000 | 1,000 | 1,000 | 686,000 | 7,835 | ||||||||||
| Cash | 496,000 | 469,000 | 438,000 | 423,000 | 407,000 | 402,000 | 367,000 | 842,000 | 135,000 | 664,055 | 763,383 | 305,252 | 499,304 | 526,975 | 513,769 |
| misc current assets | |||||||||||||||
| total current assets | 496,000 | 469,000 | 439,000 | 423,000 | 407,000 | 403,000 | 368,000 | 842,000 | 821,000 | 821,037 | 863,130 | 855,545 | 889,132 | 901,328 | 953,093 |
| total assets | 496,000 | 469,000 | 439,000 | 423,000 | 407,000 | 403,000 | 368,000 | 842,000 | 821,000 | 821,037 | 863,130 | 855,545 | 889,132 | 901,328 | 953,093 |
| Bank overdraft | |||||||||||||||
| Bank loan | |||||||||||||||
| Trade Creditors | 433 | 5,467 | 13,973 | 5,252 | 2,185 | 3,922 | |||||||||
| Group/Directors Accounts | 5,668 | 34,430 | 13,248 | ||||||||||||
| other short term finances | |||||||||||||||
| hp & lease commitments | |||||||||||||||
| other current liabilities | 13,000 | 11,000 | 4,000 | 4,000 | 5,000 | 23,000 | 21,000 | 16,000 | 21,000 | ||||||
| total current liabilities | 13,000 | 11,000 | 4,000 | 4,000 | 5,000 | 23,000 | 21,000 | 16,000 | 21,000 | 6,101 | 39,897 | 13,973 | 18,500 | 2,185 | 3,922 |
| loans | |||||||||||||||
| hp & lease commitments | |||||||||||||||
| Accruals and Deferred Income | |||||||||||||||
| other liabilities | |||||||||||||||
| provisions | 14,467 | 22,764 | 41,103 | 70,163 | 90,839 | 156,863 | |||||||||
| total long term liabilities | 14,467 | 22,764 | 41,103 | 70,163 | 90,839 | 156,863 | |||||||||
| total liabilities | 13,000 | 11,000 | 4,000 | 4,000 | 5,000 | 23,000 | 21,000 | 16,000 | 21,000 | 20,568 | 62,661 | 55,076 | 88,663 | 93,024 | 160,785 |
| net assets | 483,000 | 458,000 | 435,000 | 419,000 | 402,000 | 380,000 | 347,000 | 826,000 | 800,000 | 800,469 | 800,469 | 800,469 | 800,469 | 808,304 | 792,308 |
| total shareholders funds | 483,000 | 458,000 | 435,000 | 419,000 | 402,000 | 380,000 | 347,000 | 826,000 | 800,000 | 800,469 | 800,469 | 800,469 | 800,469 | 808,304 | 792,308 |
| 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 | 33,000 | -65,721 | -96,424 | -155,105 | -236,501 | -199,405 | -310,156 | ||||||||
| Depreciation | |||||||||||||||
| Amortisation | |||||||||||||||
| Tax | -8,000 | -5,000 | -4,000 | -4,000 | -5,000 | -8,000 | -5,000 | -6,000 | 165,000 | 59,604 | 93,153 | 148,279 | 220,577 | 209,108 | 306,360 |
| Stock | |||||||||||||||
| Debtors | -1,000 | 1,000 | -1,000 | 1,000 | -686,000 | 529,018 | 57,235 | -450,546 | 160,465 | 15,475 | -64,971 | 439,324 | |||
| Creditors | -433 | -5,034 | -8,506 | 8,721 | 3,067 | -1,737 | 3,922 | ||||||||
| Accruals and Deferred Income | 2,000 | 7,000 | -1,000 | -18,000 | 2,000 | 5,000 | -5,000 | 21,000 | |||||||
| Deferred Taxes & Provisions | -14,467 | -8,297 | -18,339 | -29,060 | -20,676 | -66,024 | 156,863 | ||||||||
| Cash flow from operations | 27,000 | -76,683 | 420,430 | -187,630 | -49,008 | 6,913 | -282,335 | ||||||||
| Investing Activities | |||||||||||||||
| capital expenditure | |||||||||||||||
| Change in Investments | |||||||||||||||
| cash flow from investments | |||||||||||||||
| Financing Activities | |||||||||||||||
| Bank loans | |||||||||||||||
| Group/Directors Accounts | -5,668 | -28,762 | 34,430 | -13,248 | 13,248 | ||||||||||
| Other Short Term Loans | |||||||||||||||
| Long term loans | |||||||||||||||
| Hire Purchase and Lease Commitments | |||||||||||||||
| other long term liabilities | |||||||||||||||
| share issue | |||||||||||||||
| interest | 6,117 | 3,271 | 6,826 | 8,254 | 6,293 | 9,430 | |||||||||
| cash flow from financing | -6,137 | -22,645 | 37,701 | -6,422 | 21,502 | 6,293 | 796,104 | ||||||||
| cash and cash equivalents | |||||||||||||||
| cash | 27,000 | 31,000 | 15,000 | 16,000 | 5,000 | 35,000 | -475,000 | 707,000 | -529,055 | -99,328 | 458,131 | -194,052 | -27,671 | 13,206 | 513,769 |
| overdraft | |||||||||||||||
| change in cash | 27,000 | 31,000 | 15,000 | 16,000 | 5,000 | 35,000 | -475,000 | 707,000 | -529,055 | -99,328 | 458,131 | -194,052 | -27,671 | 13,206 | 513,769 |
teachers financial services limited Credit Report and Business Information
Teachers Financial Services Limited Competitor Analysis
Perform a competitor analysis for teachers financial services limited by selecting its closest rivals, whether from the FINANCIAL AND INSURANCE ACTIVITIES sector, other micro companies, companies in BH1 area or any other competitors across 12 key performance metrics.
teachers financial services limited Ownership
TEACHERS FINANCIAL SERVICES LIMITED group structure
Teachers Financial Services Limited has no subsidiary companies.
Ultimate parent company
1 parent
TEACHERS FINANCIAL SERVICES LIMITED
03401635
teachers financial services limited directors
Teachers Financial Services Limited currently has 6 directors. The longest serving directors include Mr Richard Rowney (May 2019) and Mr Mark Hartigan (Jun 2020).
| officer | country | age | start | end | role |
|---|---|---|---|---|---|
| Mr Richard Rowney | United Kingdom | 54 years | May 2019 | - | Director |
| Mr Mark Hartigan | 62 years | Jun 2020 | - | Director | |
| Mr Mark Hanscomb | 62 years | Apr 2022 | - | Director | |
| Mr Barry Cudmore | 48 years | Apr 2022 | - | Director | |
| Mr David Hynam | England | 53 years | Feb 2023 | - | Director |
| Mr Stephen Percival | United Kingdom | 49 years | Jul 2023 | - | Director |
P&L
December 2023turnover
35k
+13%
operating profit
33k
0%
gross margin
97.2%
%
turnover
Turnover, or revenue, is the amount of sales generated by a company within the financial year.
Balance Sheet
December 2023net assets
483k
+0.05%
total assets
496k
+0.06%
cash
496k
+0.06%
net assets
Total assets minus all liabilities
teachers financial services limited company details
company number
03401635
Type
Private limited with Share Capital
industry
66190 - Other activities auxiliary to financial services, except insurance and pension funding
incorporation date
July 1997
age
28
incorporated
UK
ultimate parent company
accounts
Audit Exemption Subsidiary
last accounts submitted
December 2023
previous names
speed 6458 limited (October 1997)
accountant
-
auditor
-
address
county gates, bournemouth, BH1 2NF
Bank
NATIONAL WESTMINSTER BANK PLC
Legal Advisor
-
teachers 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 teachers financial services limited.
teachers 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.
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teachers financial services limited Companies House Filings - See Documents
| date | description | view/download |
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