advantage financial services limited
advantage financial services limited Company Information
Company Number
03404728
Next Accounts
Jun 2025
Shareholders
advantage travel centres ltd
Group Structure
View All
Industry
Activities of insurance agents and brokers
Registered Address
c/o regus, eagle house, 167 city road, london, EC1V 1NR
advantage financial services limited Estimated Valuation
Pomanda estimates the enterprise value of ADVANTAGE FINANCIAL SERVICES LIMITED at £273.6k based on a Turnover of £298.4k and 0.92x industry multiple (adjusted for size and gross margin).
advantage financial services limited Estimated Valuation
Pomanda estimates the enterprise value of ADVANTAGE FINANCIAL SERVICES LIMITED at £0 based on an EBITDA of £-59k and a 5.12x industry multiple (adjusted for size and gross margin).
advantage financial services limited Estimated Valuation
Pomanda estimates the enterprise value of ADVANTAGE FINANCIAL SERVICES LIMITED at £1.5m based on Net Assets of £844.3k and 1.72x industry multiple (adjusted for liquidity).
Edit your figures and get a professional valuation report.
Advantage Financial Services Limited Overview
Advantage Financial Services Limited is a live company located in london, EC1V 1NR with a Companies House number of 03404728. It operates in the activities of insurance agents and brokers sector, SIC Code 66220. Founded in July 1997, it's largest shareholder is advantage travel centres ltd with a 100% stake. Advantage Financial Services Limited is a mature, micro sized company, Pomanda has estimated its turnover at £298.4k with rapid growth in recent years.
Upgrade for unlimited company reports & a free credit check
Advantage Financial Services Limited Health Check
Pomanda's financial health check has awarded Advantage Financial Services Limited a 4 rating. We use a traffic light system to show it exceeds the industry average on 3 measures and has 4 areas for improvement. Company Health Check FAQs
3 Strong
3 Regular
4 Weak
Size
annual sales of £298.4k, make it smaller than the average company (£2.9m)
- Advantage Financial Services Limited
£2.9m - Industry AVG
Growth
3 year (CAGR) sales growth of 311%, show it is growing at a faster rate (5.9%)
- Advantage Financial Services Limited
5.9% - Industry AVG
Production
with a gross margin of 95.9%, this company has a comparable cost of product (95.9%)
- Advantage Financial Services Limited
95.9% - Industry AVG
Profitability
an operating margin of -19.8% make it less profitable than the average company (18.9%)
- Advantage Financial Services Limited
18.9% - Industry AVG
Employees
with 3 employees, this is below the industry average (17)
3 - Advantage Financial Services Limited
17 - Industry AVG
Pay Structure
on an average salary of £48.7k, the company has an equivalent pay structure (£48.7k)
- Advantage Financial Services Limited
£48.7k - Industry AVG
Efficiency
resulting in sales per employee of £99.5k, this is equally as efficient (£113.5k)
- Advantage Financial Services Limited
£113.5k - Industry AVG
Debtor Days
There is insufficient data available for this Key Performance Indicator!
- Advantage Financial Services Limited
- - Industry AVG
Creditor Days
its suppliers are paid after 47 days, this is quicker than average (103 days)
- Advantage Financial Services Limited
103 days - Industry AVG
Stock Days
There is insufficient data available for this Key Performance Indicator!
- Advantage Financial Services Limited
- - Industry AVG
Cash Balance
has cash to cover current liabilities for 64 weeks, this is more cash available to meet short term requirements (36 weeks)
64 weeks - Advantage Financial Services Limited
36 weeks - Industry AVG
Debt Level
it has a ratio of liabilities to total assets of 34.7%, this is a lower level of debt than the average (61.2%)
34.7% - Advantage Financial Services Limited
61.2% - Industry AVG
ADVANTAGE FINANCIAL SERVICES LIMITED financials
Advantage Financial Services Limited's latest turnover from September 2023 is estimated at £298.4 thousand and the company has net assets of £844.3 thousand. According to their latest financial statements, Advantage Financial Services Limited has 3 employees and maintains cash reserves of £540 thousand as reported in the balance sheet.
Data source: Companies House, Pomanda Estimates
| Sep 2023 | Sep 2022 | Sep 2021 | Sep 2020 | Sep 2019 | Sep 2018 | Sep 2017 | Sep 2016 | Sep 2015 | Sep 2014 | Sep 2013 | Sep 2012 | Sep 2011 | Sep 2010 | Sep 2009 | |
|---|---|---|---|---|---|---|---|---|---|---|---|---|---|---|---|
| Turnover | 10,985 | 315,801 | 308,077 | 731,272 | 441,412 | 491,276 | |||||||||
| Other Income Or Grants | |||||||||||||||
| Cost Of Sales | |||||||||||||||
| Gross Profit | |||||||||||||||
| Admin Expenses | |||||||||||||||
| Operating Profit | 32,410 | 5,545 | 32,826 | 84,797 | 109,863 | ||||||||||
| Interest Payable | 832 | ||||||||||||||
| Interest Receivable | 964 | 3,106 | 4,331 | 2,036 | 17,832 | ||||||||||
| Pre-Tax Profit | -2,146 | -10,978 | 283,204 | 264,087 | 217,736 | 314,674 | 127,695 | ||||||||
| Tax | 4,980 | -50,545 | -42,655 | -52,206 | -64,912 | -31,843 | |||||||||
| Profit After Tax | -2,146 | -5,998 | 232,659 | 221,432 | 165,530 | 249,762 | 95,852 | ||||||||
| Dividends Paid | 1,000,000 | ||||||||||||||
| Retained Profit | -2,146 | -5,998 | -767,341 | 221,432 | 165,530 | 249,762 | 95,852 | ||||||||
| Employee Costs | 184,940 | 165,162 | |||||||||||||
| Number Of Employees | 3 | 5 | 3 | 4 | 4 | 4 | 4 | ||||||||
| EBITDA* | 32,410 | 5,545 | 32,826 | 84,797 | 109,863 |
* Earnings Before Interest, Tax, Depreciation and Amortisation
| Sep 2023 | Sep 2022 | Sep 2021 | Sep 2020 | Sep 2019 | Sep 2018 | Sep 2017 | Sep 2016 | Sep 2015 | Sep 2014 | Sep 2013 | Sep 2012 | Sep 2011 | Sep 2010 | Sep 2009 | |
|---|---|---|---|---|---|---|---|---|---|---|---|---|---|---|---|
| Tangible Assets | |||||||||||||||
| Intangible Assets | |||||||||||||||
| Investments & Other | 215,008 | 209,875 | 212,020 | 218,018 | 257,004 | 258,557 | 290,187 | 340,553 | 278,399 | 364,935 | 412,199 | 205,000 | 205,000 | 203,500 | 103,500 |
| Debtors (Due After 1 year) | |||||||||||||||
| Total Fixed Assets | 215,008 | 209,875 | 212,020 | 218,018 | 257,004 | 258,557 | 290,187 | 340,553 | 278,399 | 364,935 | 412,199 | 205,000 | 205,000 | 203,500 | 103,500 |
| Stock & work in progress | |||||||||||||||
| Trade Debtors | 7,457 | 735 | 652 | 28,603 | 25,906 | 57,457 | 75,561 | 29,667 | 41,801 | 30,977 | 27,590 | 23,502 | 45,105 | 7,439 | |
| Group Debtors | 492,112 | 621,738 | 464,839 | 149,837 | 7,584 | ||||||||||
| Misc Debtors | 45,403 | 72,478 | 7,938 | 3,254 | 72,199 | 84,904 | 215,246 | 12,433 | 3,594 | ||||||
| Cash | 540,035 | 590,593 | 1,255,519 | 869,131 | 1,024,552 | 978,395 | 834,671 | 1,660,129 | 1,503,372 | 1,384,644 | 1,123,826 | 1,404,823 | 1,367,909 | 1,340,955 | 1,364,496 |
| misc current assets | |||||||||||||||
| total current assets | 1,077,550 | 1,292,266 | 1,729,031 | 1,022,874 | 1,132,938 | 1,089,205 | 1,107,374 | 1,748,123 | 1,536,633 | 1,426,445 | 1,154,803 | 1,432,413 | 1,391,411 | 1,386,060 | 1,371,935 |
| total assets | 1,292,558 | 1,502,141 | 1,941,051 | 1,240,892 | 1,389,942 | 1,347,762 | 1,397,561 | 2,088,676 | 1,815,032 | 1,791,380 | 1,567,002 | 1,637,413 | 1,596,411 | 1,589,560 | 1,475,435 |
| Bank overdraft | |||||||||||||||
| Bank loan | |||||||||||||||
| Trade Creditors | 1,587 | 32,146 | 42,765 | 20,052 | 42,399 | 68,673 | 45,998 | 600 | 1,838 | 445,682 | 747,677 | 793,443 | 889,184 | 135 | |
| Group/Directors Accounts | 34,869 | 69,667 | 10,454 | 13,721 | 45,451 | 387,329 | 357,190 | 7,804 | 91,913 | ||||||
| other short term finances | |||||||||||||||
| hp & lease commitments | |||||||||||||||
| other current liabilities | 401,311 | 515,020 | 969,291 | 285,010 | 360,931 | 268,631 | 486,003 | 113,297 | 89,453 | 581,250 | 833,653 | ||||
| total current liabilities | 437,767 | 616,833 | 1,022,510 | 305,062 | 403,330 | 351,025 | 577,452 | 501,226 | 446,643 | 590,892 | 445,682 | 747,677 | 793,443 | 889,184 | 925,701 |
| loans | 10,500 | 10,500 | 10,500 | 10,500 | |||||||||||
| hp & lease commitments | |||||||||||||||
| Accruals and Deferred Income | |||||||||||||||
| other liabilities | 170,594 | ||||||||||||||
| provisions | 2,371 | ||||||||||||||
| total long term liabilities | 10,500 | 10,500 | 10,500 | 10,500 | 2,371 | 170,594 | |||||||||
| total liabilities | 448,267 | 627,333 | 1,033,010 | 315,562 | 403,330 | 351,025 | 577,452 | 501,226 | 449,014 | 590,892 | 616,276 | 747,677 | 793,443 | 889,184 | 925,701 |
| net assets | 844,291 | 874,808 | 908,041 | 925,330 | 986,612 | 996,737 | 820,109 | 1,587,450 | 1,366,018 | 1,200,488 | 950,726 | 889,736 | 802,968 | 700,376 | 549,734 |
| total shareholders funds | 844,291 | 874,808 | 908,041 | 925,330 | 986,612 | 996,737 | 820,109 | 1,587,450 | 1,366,018 | 1,200,488 | 950,726 | 889,736 | 802,968 | 700,376 | 549,734 |
| Sep 2023 | Sep 2022 | Sep 2021 | Sep 2020 | Sep 2019 | Sep 2018 | Sep 2017 | Sep 2016 | Sep 2015 | Sep 2014 | Sep 2013 | Sep 2012 | Sep 2011 | Sep 2010 | Sep 2009 | |
|---|---|---|---|---|---|---|---|---|---|---|---|---|---|---|---|
| Operating Activities | |||||||||||||||
| Operating Profit | 32,410 | 5,545 | 32,826 | 84,797 | 109,863 | ||||||||||
| Depreciation | |||||||||||||||
| Amortisation | |||||||||||||||
| Tax | 4,980 | -50,545 | -42,655 | -52,206 | -64,912 | -31,843 | |||||||||
| Stock | |||||||||||||||
| Debtors | -164,158 | 228,161 | 319,769 | 45,357 | -2,424 | -161,893 | 184,709 | 54,733 | -8,540 | 10,824 | 3,387 | 4,088 | -21,603 | 37,666 | 7,439 |
| Creditors | -30,559 | -10,619 | 22,713 | -22,347 | -26,274 | 22,675 | 45,398 | 600 | -1,838 | -443,844 | -301,995 | -45,766 | -95,741 | 889,049 | 135 |
| Accruals and Deferred Income | -113,709 | -454,271 | 684,281 | -75,921 | 92,300 | -217,372 | 372,706 | 23,844 | -491,797 | 581,250 | -833,653 | 833,653 | |||
| Deferred Taxes & Provisions | -2,371 | 2,371 | |||||||||||||
| Cash flow from operations | 215,260 | -69,770 | -502,104 | 146,467 | 904,369 | ||||||||||
| Investing Activities | |||||||||||||||
| capital expenditure | |||||||||||||||
| Change in Investments | 5,133 | -2,145 | -5,998 | -38,986 | -1,553 | -31,630 | -50,366 | 62,154 | -86,536 | -47,264 | 207,199 | 1,500 | 100,000 | 103,500 | |
| cash flow from investments | |||||||||||||||
| Financing Activities | |||||||||||||||
| Bank loans | |||||||||||||||
| Group/Directors Accounts | -34,798 | 59,213 | 10,454 | -13,721 | -31,730 | -341,878 | 30,139 | 349,386 | 7,804 | -91,913 | 91,913 | ||||
| Other Short Term Loans | |||||||||||||||
| Long term loans | 10,500 | ||||||||||||||
| Hire Purchase and Lease Commitments | |||||||||||||||
| other long term liabilities | -170,594 | 170,594 | |||||||||||||
| share issue | |||||||||||||||
| interest | 964 | 3,106 | 4,331 | 1,204 | 17,832 | ||||||||||
| cash flow from financing | 28,126 | -837 | -340,914 | 33,245 | 353,717 | -161,586 | 563,627 | ||||||||
| cash and cash equivalents | |||||||||||||||
| cash | -50,558 | -664,926 | 386,388 | -155,421 | 46,157 | 143,724 | -825,458 | 156,757 | 118,728 | 260,818 | -280,997 | 36,914 | 26,954 | -23,541 | 1,364,496 |
| overdraft | |||||||||||||||
| change in cash | -50,558 | -664,926 | 386,388 | -155,421 | 46,157 | 143,724 | -825,458 | 156,757 | 118,728 | 260,818 | -280,997 | 36,914 | 26,954 | -23,541 | 1,364,496 |
advantage financial services limited Credit Report and Business Information
Advantage Financial Services Limited Competitor Analysis
Perform a competitor analysis for advantage financial services limited by selecting its closest rivals, whether from the FINANCIAL AND INSURANCE ACTIVITIES sector, other micro companies, companies in EC1V area or any other competitors across 12 key performance metrics.
advantage financial services limited Ownership
ADVANTAGE FINANCIAL SERVICES LIMITED group structure
Advantage Financial Services Limited has 1 subsidiary company.
Ultimate parent company
1 parent
ADVANTAGE FINANCIAL SERVICES LIMITED
03404728
1 subsidiary
advantage financial services limited directors
Advantage Financial Services Limited currently has 2 directors. The longest serving directors include Ms Giulia Said (Oct 2019) and Mr Paul Nunn (Mar 2020).
| officer | country | age | start | end | role |
|---|---|---|---|---|---|
| Ms Giulia Said | United Kingdom | 54 years | Oct 2019 | - | Director |
| Mr Paul Nunn | England | 49 years | Mar 2020 | - | Director |
P&L
September 2023turnover
298.4k
0%
operating profit
-59k
0%
gross margin
95.9%
0%
turnover
Turnover, or revenue, is the amount of sales generated by a company within the financial year.
Balance Sheet
September 2023net assets
844.3k
-0.03%
total assets
1.3m
-0.14%
cash
540k
-0.09%
net assets
Total assets minus all liabilities
advantage financial services limited company details
company number
03404728
Type
Private limited with Share Capital
industry
66220 - Activities of insurance agents and brokers
incorporation date
July 1997
age
28
incorporated
UK
ultimate parent company
accounts
Small Company
last accounts submitted
September 2023
previous names
N/A
accountant
ELMAN WALL LIMITED
auditor
-
address
c/o regus, eagle house, 167 city road, london, EC1V 1NR
Bank
ALLIED IRISH BANK
Legal Advisor
-
advantage 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 found 2 charges/mortgages relating to advantage financial services limited. Currently there are 2 open charges and 0 have been satisfied in the past.
advantage 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 ADVANTAGE FINANCIAL SERVICES LIMITED. This can take several minutes, an email will notify you when this has completed.
advantage financial services limited Companies House Filings - See Documents
| date | description | view/download |
|---|
