P G A Financial Services Ltd

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p g a financial services ltd Company Information

Company Number

03531165

Next Accounts

89 days late

Directors

George Gendy

Marian Gendy

Shareholders

marian sylvia gendy

sami george gendy

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Group Structure

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Industry

Other activities auxiliary to insurance and pension funding

Registered Address

9-10 scirocco close, moulton park, northampton, NN3 6AP

Website

www.pgfinancialservices.com

p g a financial services ltd Estimated Valuation

£553.1k

Pomanda estimates the enterprise value of P G A FINANCIAL SERVICES LTD at £553.1k based on Net Assets of £268.4k and 2.06x industry multiple (adjusted for liquidity).

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P G A Financial Services Ltd is a live company located in northampton, NN3 6AP with a Companies House number of 03531165. It operates in the other activities auxiliary to insurance and pension funding sector, SIC Code 66290. Founded in March 1998, it's largest shareholder is marian sylvia gendy with a 33.3% stake. P G A Financial Services Ltd is a mature, micro sized company, Pomanda has estimated its turnover at £368.3k with declining growth in recent years.

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Pomanda's financial health check has awarded P G A Financial Services Ltd a 3.5 rating. We use a traffic light system to show it exceeds the industry average on 3 measures and has 5 areas for improvement. Company Health Check FAQs

Health Rating3.5out of 5

3 Strong

2 Regular

5 Weak

Size

annual sales of £368.3k, make it smaller than the average company (£1.4m)

Growth

3 year (CAGR) sales growth of -9%, show it is growing at a slower rate (5.6%)

EXPORT

P G A Financial Services Ltd's latest turnover from March 2023 is estimated at £368.3 thousand and the company has net assets of £268.4 thousand. According to their latest financial statements, we estimate that P G A Financial Services Ltd has 2 employees and maintains cash reserves of 0 as reported in the balance sheet.

Data source: Companies House, Pomanda Estimates

	Mar 2023	Mar 2022	Mar 2021	Mar 2020	Mar 2019	Mar 2018	Mar 2017	Mar 2016	Mar 2015
Turnover	368,343	545,130	584,769	486,836	357,385	115,718	140,170	11,167	2,903
Other Income Or Grants
Cost Of Sales	44,908	51,090	70,309	76,310	83,926	29,682	32,230	7,177	2,237
Gross Profit	323,435	494,041	514,460	410,526	273,459	86,036	107,940	3,990	666
Admin Expenses	290,892	470,466	483,560	308,948	184,168	90,822	97,729	-19,686	-25,546
Operating Profit	32,543	23,575	30,900	101,578	89,291	-4,786	10,211	23,676	26,212
Interest Payable
Interest Receivable							65	187	57
Pre-Tax Profit	32,543	23,575	30,900	101,578	89,291	-4,786	10,276	23,863	26,268
Tax	-6,183	-4,479	-5,871	-19,300	-16,965		-2,055	-4,772	-5,516
Profit After Tax	26,360	19,096	25,029	82,278	72,326	-4,786	8,221	19,090	20,752
Dividends Paid
Retained Profit	26,360	19,096	25,029	82,278	72,326	-4,786	8,221	19,090	20,752
Employee Costs	109,788	154,588	190,057	144,357	139,224	43,500	45,078	48,989	49,002
Number Of Employees	2	3	4	3	3	1	1	1	1
EBITDA*	32,543	23,575	30,900	101,578	89,291	-4,786	10,211	23,858	26,439

* Earnings Before Interest, Tax, Depreciation and Amortisation

	Mar 2023	Mar 2022	Mar 2021	Mar 2020	Mar 2019	Mar 2018	Mar 2017	Mar 2016	Mar 2015
Tangible Assets	117,758	190	238	297	372	465	581	726	908
Intangible Assets
Investments & Other
Debtors (Due After 1 year)
Total Fixed Assets	117,758	190	238	297	372	465	581	726	908
Stock & work in progress
Trade Debtors	164,982	267,513	260,830	233,664	144,887	52,622	61,653	4,845	1,382
Group Debtors
Misc Debtors
Cash								51,993	22,608
misc current assets
total current assets	164,982	267,513	260,830	233,664	144,887	52,622	61,653	56,838	23,990
total assets	282,740	267,703	261,068	233,961	145,259	53,087	62,234	57,564	24,898
Bank overdraft
Bank loan
Trade Creditors	14,374	25,697	38,158	36,080	29,656	9,810	14,171	17,719	4,143
Group/Directors Accounts
other short term finances
hp & lease commitments
other current liabilities
total current liabilities	14,374	25,697	38,158	36,080	29,656	9,810	14,171	17,719	4,143
loans
hp & lease commitments
Accruals and Deferred Income
other liabilities
provisions
total long term liabilities
total liabilities	14,374	25,697	38,158	36,080	29,656	9,810	14,171	17,719	4,143
net assets	268,366	242,006	222,910	197,881	115,603	43,277	48,063	39,845	20,755
total shareholders funds	268,366	242,006	222,910	197,881	115,603	43,277	48,063	39,845	20,755

	Mar 2023	Mar 2022	Mar 2021	Mar 2020	Mar 2019	Mar 2018	Mar 2017	Mar 2016	Mar 2015
Operating Activities
Operating Profit	32,543	23,575	30,900	101,578	89,291	-4,786	10,211	23,676	26,212
Depreciation								182	227
Amortisation
Tax	-6,183	-4,479	-5,871	-19,300	-16,965		-2,055	-4,772	-5,516
Stock
Debtors	-102,531	6,683	27,166	88,777	92,265	-9,031	56,808	3,463	1,382
Creditors	-11,323	-12,461	2,078	6,424	19,846	-4,361	-3,548	13,576	4,143
Accruals and Deferred Income
Deferred Taxes & Provisions
Cash flow from operations	117,568	-48	-59	-75	-93	-116	-52,200	29,199	23,684
Investing Activities
capital expenditure	-117,568	48	59	75	93	116	145		-1,135
Change in Investments
cash flow from investments	-117,568	48	59	75	93	116	145		-1,135
Financing Activities
Bank loans
Group/Directors Accounts
Other Short Term Loans
Long term loans
Hire Purchase and Lease Commitments
other long term liabilities
share issue							-3		3
interest							65	187	57
cash flow from financing							62	187	60
cash and cash equivalents
cash							-51,993	29,385	22,608
overdraft
change in cash							-51,993	29,385	22,608

Very Low Risk70 - 100

Low Risk50 - 70

Moderate Risk30 - 50

High Risk20 - 30

Very High Risk0 - 20

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Perform a competitor analysis for p g a financial services ltd by selecting its closest rivals, whether from the FINANCIAL AND INSURANCE ACTIVITIES sector, other micro companies, companies in NN3 area or any other competitors across 12 key performance metrics.

P G A FINANCIAL SERVICES LTD group structure

P G A Financial Services Ltd has no subsidiary companies.

Ultimate parent company

P G A FINANCIAL SERVICES LTD

03531165

P G A FINANCIAL SERVICES LTD Shareholders

marian sylvia gendy	33.33%
sami george gendy	33.33%
george gendy	33.33%

P G A Financial Services Ltd currently has 2 directors. The longest serving directors include Mr George Gendy (Oct 2006) and Mrs Marian Gendy (Dec 2019).

officer	country	age	start	end	role
Mr George Gendy	England	74 years	Oct 2006	-	Director
Mrs Marian Gendy		75 years	Dec 2019	-	Director

P&L

March 2023

turnover

368.3k

-32%

operating profit

32.5k

gross margin

87.9%

-3.11%

turnover

Turnover, or revenue, is the amount of sales generated by a company within the financial year.

Balance Sheet

March 2023

net assets

268.4k

+0.11%

total assets

282.7k

+0.06%

cash

net assets

Total assets minus all liabilities

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company number

03531165

Type

Private limited with Share Capital

industry

66290 - Other activities auxiliary to insurance and pension funding

incorporation date

March 1998

ultimate parent company

None

previous names

N/A

address

9-10 scirocco close, moulton park, northampton, NN3 6AP

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.

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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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p g a financial services ltd Company Information

p g a financial services ltd Estimated Valuation

p g a financial services ltd Estimated Valuation

p g a financial services ltd Estimated Valuation

P G A Financial Services Ltd Overview

P G A Financial Services Ltd Health Check

P G A FINANCIAL SERVICES LTD financials

p g a financial services ltd Credit Report and Business Information

P G A Financial Services Ltd Competitor Analysis

p g a financial services ltd Ownership

p g a financial services ltd directors

p g a financial services ltd company details

p g a financial services ltd Charges & Mortgages

p g a financial services ltd Capital Raised & Share Issues BETA

p g a financial services ltd Companies House Filings - See Documents