health cheque limited
health cheque limited Company Information
Company Number
03488088
Next Accounts
30 days late
Industry
Non-life insurance
Life reinsurance
Shareholders
shahriar saidy
mr shaheen saidy
View AllGroup Structure
View All
Contact
Registered Address
asm house 103a keymer road, hassocks, west sussex, BN6 8QL
Website
www.health-cheque.co.ukhealth cheque limited Estimated Valuation
Pomanda estimates the enterprise value of HEALTH CHEQUE LIMITED at £0 based on a Turnover of £15.6m and 0x industry multiple (adjusted for size and gross margin).
health cheque limited Estimated Valuation
Pomanda estimates the enterprise value of HEALTH CHEQUE LIMITED at £0 based on an EBITDA of £11.8k and a 0x industry multiple (adjusted for size and gross margin).
health cheque limited Estimated Valuation
Pomanda estimates the enterprise value of HEALTH CHEQUE LIMITED at £52.7k based on Net Assets of £26.7k and 1.97x industry multiple (adjusted for liquidity).
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Health Cheque Limited Overview
Health Cheque Limited is a live company located in west sussex, BN6 8QL with a Companies House number of 03488088. It operates in the life insurance sector, SIC Code 65110. Founded in January 1998, it's largest shareholder is shahriar saidy with a 51% stake. Health Cheque Limited is a mature, mid sized company, Pomanda has estimated its turnover at £15.6m with rapid growth in recent years.
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Health Cheque Limited Health Check
Pomanda's financial health check has awarded Health Cheque Limited a 4.5 rating. We use a traffic light system to show it exceeds the industry average on 4 measures and has 2 areas for improvement. Company Health Check FAQs
4 Strong
3 Regular
2 Weak
Size
annual sales of £15.6m, make it larger than the average company (£1.7m)
- Health Cheque Limited
£1.7m - Industry AVG
Growth
3 year (CAGR) sales growth of 98%, show it is growing at a faster rate (7.6%)
- Health Cheque Limited
7.6% - Industry AVG
Production
with a gross margin of 74.9%, this company has a comparable cost of product (74.9%)
- Health Cheque Limited
74.9% - Industry AVG
Profitability
an operating margin of 0.1% make it less profitable than the average company (15.1%)
- Health Cheque Limited
15.1% - Industry AVG
Employees
with 3 employees, this is below the industry average (20)
3 - Health Cheque Limited
20 - Industry AVG
Pay Structure
on an average salary of £72k, the company has an equivalent pay structure (£72k)
- Health Cheque Limited
£72k - Industry AVG
Efficiency
resulting in sales per employee of £5.2m, this is equally as efficient (£5.2m)
- Health Cheque Limited
£5.2m - Industry AVG
Debtor Days
There is insufficient data available for this Key Performance Indicator!
- Health Cheque Limited
- - Industry AVG
Creditor Days
There is insufficient data available for this Key Performance Indicator!
- Health Cheque Limited
- - Industry AVG
Stock Days
There is insufficient data available for this Key Performance Indicator!
- Health Cheque Limited
- - Industry AVG
Cash Balance
has cash to cover current liabilities for 121 weeks, this is more cash available to meet short term requirements (15 weeks)
121 weeks - Health Cheque Limited
15 weeks - Industry AVG
Debt Level
it has a ratio of liabilities to total assets of 77.3%, this is a lower level of debt than the average (87.1%)
77.3% - Health Cheque Limited
87.1% - Industry AVG
HEALTH CHEQUE LIMITED financials
Health Cheque Limited's latest turnover from January 2023 is estimated at £15.6 million and the company has net assets of £26.7 thousand. According to their latest financial statements, Health Cheque Limited has 3 employees and maintains cash reserves of £117.6 thousand as reported in the balance sheet.
Data source: Companies House, Pomanda Estimates
| Jan 2023 | Jan 2022 | Jan 2021 | Jan 2020 | Jan 2019 | Jan 2018 | Jan 2017 | Jan 2016 | Jan 2015 | Jan 2014 | Jan 2013 | Jan 2012 | Jan 2011 | Jan 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 | 3 | 3 | 2 | 2 | 2 | 2 | 2 | |||||||
| EBITDA* |
* Earnings Before Interest, Tax, Depreciation and Amortisation
| Jan 2023 | Jan 2022 | Jan 2021 | Jan 2020 | Jan 2019 | Jan 2018 | Jan 2017 | Jan 2016 | Jan 2015 | Jan 2014 | Jan 2013 | Jan 2012 | Jan 2011 | Jan 2010 | |
|---|---|---|---|---|---|---|---|---|---|---|---|---|---|---|
| Tangible Assets | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 206 | 206 | 266 | 357 |
| Intangible Assets | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 |
| Investments & Other | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 |
| Debtors (Due After 1 year) | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 |
| Total Fixed Assets | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 206 | 206 | 266 | 357 |
| Stock & work in progress | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 |
| Trade Debtors | 0 | 0 | 11,900 | 0 | 0 | 0 | 0 | 0 | 64,500 | 61,000 | 16,000 | 11,592 | 32,983 | 16,403 |
| Group Debtors | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 |
| Misc Debtors | 0 | 0 | 0 | 0 | 85,978 | 53,011 | 77,695 | 67,520 | 0 | 0 | 0 | 0 | 0 | 0 |
| Cash | 117,572 | 132,720 | 235,880 | 111,580 | 622 | 9,959 | 0 | 70 | 0 | 0 | 0 | 4,547 | 3,306 | 3,375 |
| misc current assets | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 |
| total current assets | 117,572 | 132,720 | 247,780 | 111,580 | 86,600 | 62,970 | 77,695 | 67,590 | 64,500 | 61,000 | 16,000 | 16,139 | 36,289 | 19,778 |
| total assets | 117,572 | 132,720 | 247,780 | 111,580 | 86,600 | 62,970 | 77,695 | 67,590 | 64,500 | 61,000 | 16,206 | 16,345 | 36,555 | 20,135 |
| Bank overdraft | 0 | 118 | 193 | 0 | 4,047 | 1,943 | 12,051 | 2,023 | 8,368 | 8,146 | 1,808 | 0 | 0 | 0 |
| Bank loan | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 |
| Trade Creditors | 0 | 0 | 0 | 0 | 1 | 0 | 1 | 0 | 46,298 | 50,238 | 20,080 | 23,363 | 24,430 | 14,940 |
| Group/Directors Accounts | 0 | 0 | 0 | 0 | 0 | 0 | 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 |
| hp & lease commitments | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 |
| other current liabilities | 50,141 | 59,414 | 149,031 | 66,120 | 56,982 | 50,825 | 55,566 | 46,617 | 0 | 0 | 0 | 0 | 0 | 0 |
| total current liabilities | 50,141 | 59,532 | 149,224 | 66,120 | 61,030 | 52,768 | 67,618 | 48,640 | 54,666 | 58,384 | 21,888 | 23,363 | 24,430 | 14,940 |
| loans | 40,741 | 55,853 | 70,518 | 29,707 | 15,154 | 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 |
| Accruals and Deferred Income | 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 | 0 | 0 | 0 | 0 | 0 |
| provisions | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 |
| total long term liabilities | 40,741 | 55,853 | 70,518 | 29,707 | 15,154 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 |
| total liabilities | 90,882 | 115,385 | 219,742 | 95,827 | 76,184 | 52,768 | 67,618 | 48,640 | 54,666 | 58,384 | 21,888 | 23,363 | 24,430 | 14,940 |
| net assets | 26,690 | 17,335 | 28,038 | 15,753 | 10,416 | 10,202 | 10,077 | 18,950 | 9,834 | 2,616 | -5,682 | -7,018 | 12,125 | 5,195 |
| total shareholders funds | 26,690 | 17,335 | 28,038 | 15,753 | 10,416 | 10,202 | 10,077 | 18,950 | 9,834 | 2,616 | -5,682 | -7,018 | 12,125 | 5,195 |
| Jan 2023 | Jan 2022 | Jan 2021 | Jan 2020 | Jan 2019 | Jan 2018 | Jan 2017 | Jan 2016 | Jan 2015 | Jan 2014 | Jan 2013 | Jan 2012 | Jan 2011 | Jan 2010 | |
|---|---|---|---|---|---|---|---|---|---|---|---|---|---|---|
| Operating Activities | ||||||||||||||
| Operating Profit | ||||||||||||||
| Depreciation | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 206 | 0 | 66 | 0 | 807 |
| Amortisation | 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 |
| Debtors | 0 | -11,900 | 11,900 | -85,978 | 32,967 | -24,684 | 10,175 | 3,020 | 3,500 | 45,000 | 4,408 | -21,391 | 16,580 | 16,403 |
| Creditors | 0 | 0 | 0 | -1 | 1 | -1 | 1 | -46,298 | -3,940 | 30,158 | -3,283 | -1,067 | 9,490 | 14,940 |
| Accruals and Deferred Income | -9,273 | -89,617 | 82,911 | 9,138 | 6,157 | -4,741 | 8,949 | 46,617 | 0 | 0 | 0 | 0 | 0 | 0 |
| Deferred Taxes & Provisions | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 |
| Cash flow from operations | ||||||||||||||
| Investing Activities | ||||||||||||||
| capital expenditure | ||||||||||||||
| Change in Investments | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 |
| cash flow from investments | ||||||||||||||
| Financing Activities | ||||||||||||||
| Bank loans | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 |
| Group/Directors Accounts | 0 | 0 | 0 | 0 | 0 | 0 | 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 |
| Long term loans | -15,112 | -14,665 | 40,811 | 14,553 | 15,154 | 0 | 0 | 0 | 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 |
| other long term liabilities | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 |
| share issue | ||||||||||||||
| interest | ||||||||||||||
| cash flow from financing | ||||||||||||||
| cash and cash equivalents | ||||||||||||||
| cash | -15,148 | -103,160 | 124,300 | 110,958 | -9,337 | 9,959 | -70 | 70 | 0 | 0 | -4,547 | 1,241 | -69 | 3,375 |
| overdraft | -118 | -75 | 193 | -4,047 | 2,104 | -10,108 | 10,028 | -6,345 | 222 | 6,338 | 1,808 | 0 | 0 | 0 |
| change in cash | -15,030 | -103,085 | 124,107 | 115,005 | -11,441 | 20,067 | -10,098 | 6,415 | -222 | -6,338 | -6,355 | 1,241 | -69 | 3,375 |
health cheque limited Credit Report and Business Information
Health Cheque Limited Competitor Analysis
Perform a competitor analysis for health cheque limited by selecting its closest rivals, whether from the FINANCIAL AND INSURANCE ACTIVITIES sector, other mid companies, companies in BN6 area or any other competitors across 12 key performance metrics.
health cheque limited Ownership
HEALTH CHEQUE LIMITED group structure
Health Cheque Limited has no subsidiary companies.
Ultimate parent company
HEALTH CHEQUE LIMITED
03488088
health cheque limited directors
Health Cheque Limited currently has 2 directors. The longest serving directors include Mr Shahriar Saidy (Jan 1998) and Mr Shaheen Saidy (May 2016).
| officer | country | age | start | end | role |
|---|---|---|---|---|---|
| Mr Shahriar Saidy | 70 years | Jan 1998 | - | Director | |
| Mr Shaheen Saidy | United Kingdom | 34 years | May 2016 | - | Director |
P&L
January 2023turnover
15.6m
+156%
operating profit
11.8k
0%
gross margin
74.9%
-0.43%
turnover
Turnover, or revenue, is the amount of sales generated by a company within the financial year.
Balance Sheet
January 2023net assets
26.7k
+0.54%
total assets
117.6k
-0.11%
cash
117.6k
-0.11%
net assets
Total assets minus all liabilities
Similar Companies
health cheque limited company details
company number
03488088
Type
Private limited with Share Capital
industry
65120 - Non-life insurance
65201 - Life reinsurance
65202 - Non-life reinsurance
incorporation date
January 1998
age
26
incorporated
UK
ultimate parent company
accounts
Total Exemption Full
last accounts submitted
January 2023
previous names
N/A
accountant
-
auditor
-
address
asm house 103a keymer road, hassocks, west sussex, BN6 8QL
Bank
ALLIED IRISH BANK, ALLIED IRISH BANK, ALLIED IRISH BANK
Legal Advisor
-
health cheque 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 health cheque limited.
health cheque limited Companies House Filings - See Documents
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