The Investing And Saving Alliance

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the investing and saving alliance Company Information

Company Number

03548792

Next Accounts

6 days late

Directors

Julian Korek

Carol Knight

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Shareholders

Group Structure

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Industry

Other education n.e.c.

Registered Address

dakota house 25 falcon court, preston farm business park, stockton-on-tees, cleveland, TS18 3TX

Website

http://tisa.uk.com

the investing and saving alliance Estimated Valuation

£2.7m

Pomanda estimates the enterprise value of THE INVESTING AND SAVING ALLIANCE at £2.7m based on a Turnover of £3.6m and 0.76x industry multiple (adjusted for size and gross margin).

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The Investing And Saving Alliance is a live company located in stockton-on-tees, TS18 3TX with a Companies House number of 03548792. It operates in the other education n.e.c. sector, SIC Code 85590. Founded in April 1998, it's largest shareholder is unknown. The Investing And Saving Alliance is a mature, small sized company, Pomanda has estimated its turnover at £3.6m with declining growth in recent years.

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Pomanda's financial health check has awarded The Investing And Saving Alliance a 2.5 rating. We use a traffic light system to show it exceeds the industry average on 3 measures and has 6 areas for improvement. Company Health Check FAQs

Health Rating2.5out of 5

3 Strong

2 Regular

6 Weak

Size

annual sales of £3.6m, make it larger than the average company (£784k)

Growth

3 year (CAGR) sales growth of -9%, show it is growing at a slower rate (3.1%)

EXPORT

The Investing And Saving Alliance's latest turnover from June 2023 is estimated at £3.6 million and the company has net assets of £365.7 thousand. According to their latest financial statements, The Investing And Saving Alliance has 36 employees and maintains cash reserves of £754.3 thousand as reported in the balance sheet.

Data source: Companies House, Pomanda Estimates

	Jun 2023	Jun 2022	Jun 2021	Jun 2020	Jun 2019	Jun 2018	Jun 2017	Jun 2016	Jun 2015	Jun 2014	Jun 2013	Jun 2012	Jun 2011	Jun 2010
Turnover	3,633,461	4,014,561	3,588,559	4,850,807	4,777,397	4,224,134	3,786,002	5,200,248	6,689,112	7,917,725	8,180,012	4,576,408	2,884,528	851,037
Other Income Or Grants
Cost Of Sales	1,210,451	1,294,634	1,198,020	1,901,343	1,985,235	1,765,138	1,565,389	2,139,700	3,080,380	3,890,912	3,792,363	2,133,883	1,290,830	379,771
Gross Profit	2,423,010	2,719,927	2,390,539	2,949,464	2,792,162	2,458,996	2,220,613	3,060,548	3,608,732	4,026,813	4,387,649	2,442,525	1,593,698	471,266
Admin Expenses	2,440,680	2,892,935	1,842,004	3,449,659	2,856,359	2,409,454	2,225,480	3,097,509	3,509,511	3,950,591	4,310,355	2,323,032	1,496,148	139,894
Operating Profit	-17,670	-173,008	548,535	-500,195	-64,197	49,542	-4,867	-36,961	99,221	76,222	77,294	119,493	97,550	331,372
Interest Payable	6,749	5,414	2,440
Interest Receivable	40,185	13,390	1,098	1,150	10,501	6,134	2,597	5,645	5,523	3,881	3,708	3,811	2,814	1,284
Pre-Tax Profit	15,767	-165,032	547,193	-499,045	-53,696	55,677	-2,270	-31,316	104,744	80,103	81,003	123,304	100,364	332,656
Tax	-3,942		-103,967			-10,579			-20,949	-16,822	-18,631	-29,593	-26,095	-93,144
Profit After Tax	11,825	-165,032	443,226	-499,045	-53,696	45,098	-2,270	-31,316	83,795	63,281	62,372	93,711	74,269	239,512
Dividends Paid
Retained Profit	11,825	-165,032	443,226	-499,045	-53,696	45,098	-2,270	-31,316	83,795	63,281	62,372	93,711	74,269	239,512
Employee Costs	1,353,495	1,332,382	1,180,868	1,164,962	1,089,874	967,756	968,886	2,672,588	3,290,045	3,960,642	4,156,119	2,277,241	1,413,814	441,997
Number Of Employees	36	37	34	34	32	29	30	80	101	116	124	70	45	14
EBITDA*	-16,273	-162,204	559,251	-490,788	-64,197	49,542	-4,867	-36,961	99,221	76,222	77,294	119,493	97,550	331,918

* Earnings Before Interest, Tax, Depreciation and Amortisation

	Jun 2023	Jun 2022	Jun 2021	Jun 2020	Jun 2019	Jun 2018	Jun 2017	Jun 2016	Jun 2015	Jun 2014	Jun 2013	Jun 2012	Jun 2011	Jun 2010
Tangible Assets	87	1,484	12,288	18,814
Intangible Assets
Investments & Other	400	200	300	199
Debtors (Due After 1 year)	829,686
Total Fixed Assets	830,173	1,684	12,588	19,013
Stock & work in progress
Trade Debtors	531,888	604,562	524,341	841,795	891,182	788,756	690,805	591,268	654,277	747,472	840,252	394,292	264,518	48,868
Group Debtors	7,184	562,413	388,386	3,882
Misc Debtors	64,817	51,617	100,128	24,794	65,661	45,073	37,866	43,216
Cash	754,313	853,105	1,289,335	906,088	1,394,121	1,406,217	1,047,521	1,030,034	1,228,046	981,099	571,108	912,227	612,053	513,419
misc current assets
total current assets	1,358,202	2,071,697	2,302,190	1,776,559	2,350,964	2,240,046	1,776,192	1,664,518	1,882,323	1,728,571	1,411,360	1,306,519	876,571	562,287
total assets	2,188,375	2,073,381	2,314,778	1,795,572	2,350,964	2,240,046	1,776,192	1,664,518	1,882,323	1,728,571	1,411,360	1,306,519	876,571	562,287
Bank overdraft	16,000	16,000	10,667
Bank loan
Trade Creditors	80,766	52,770	63,052	107,516	32,732	27,170	15,282	7,483	1,265,383	1,195,426	941,496	899,027	562,790	322,775
Group/Directors Accounts
other short term finances
hp & lease commitments
other current liabilities	1,688,514	1,597,358	1,652,789	1,612,345	1,743,476	1,584,424	1,177,556	1,071,411
total current liabilities	1,785,280	1,666,128	1,726,508	1,719,861	1,776,208	1,611,594	1,192,838	1,078,894	1,265,383	1,195,426	941,496	899,027	562,790	322,775
loans	37,365	53,348	69,333
hp & lease commitments
Accruals and Deferred Income
other liabilities
provisions
total long term liabilities	37,365	53,348	69,333
total liabilities	1,822,645	1,719,476	1,795,841	1,719,861	1,776,208	1,611,594	1,192,838	1,078,894	1,265,383	1,195,426	941,496	899,027	562,790	322,775
net assets	365,730	353,905	518,937	75,711	574,756	628,452	583,354	585,624	616,940	533,145	469,864	407,492	313,781	239,512
total shareholders funds	365,730	353,905	518,937	75,711	574,756	628,452	583,354	585,624	616,940	533,145	469,864	407,492	313,781	239,512

	Jun 2023	Jun 2022	Jun 2021	Jun 2020	Jun 2019	Jun 2018	Jun 2017	Jun 2016	Jun 2015	Jun 2014	Jun 2013	Jun 2012	Jun 2011	Jun 2010
Operating Activities
Operating Profit	-17,670	-173,008	548,535	-500,195	-64,197	49,542	-4,867	-36,961	99,221	76,222	77,294	119,493	97,550	331,372
Depreciation	1,397	10,804	10,716	9,407										546
Amortisation
Tax	-3,942		-103,967			-10,579			-20,949	-16,822	-18,631	-29,593	-26,095	-93,144
Stock
Debtors	214,983	205,737	142,384	-86,372	123,014	105,158	94,187	-19,793	-93,195	-92,780	445,960	129,774	215,650	48,868
Creditors	27,996	-10,282	-44,464	74,784	5,562	11,888	7,799	-1,257,900	69,957	253,930	42,469	336,237	240,015	322,775
Accruals and Deferred Income	91,156	-55,431	40,444	-131,131	159,052	406,868	106,145	1,071,411
Deferred Taxes & Provisions
Cash flow from operations	-116,046	-433,654	308,880	-460,763	-22,597	352,561	14,890	-203,657	241,424	406,110	-344,828	296,363	95,820	512,681
Investing Activities
capital expenditure			-4,190	-28,221										-546
Change in Investments	200	-100	101	199
cash flow from investments	-200	100	-4,291	-28,420										-546
Financing Activities
Bank loans
Group/Directors Accounts
Other Short Term Loans
Long term loans	-15,983	-15,985	69,333
Hire Purchase and Lease Commitments
other long term liabilities
share issue
interest	33,436	7,976	-1,342	1,150	10,501	6,134	2,597	5,645	5,523	3,881	3,708	3,811	2,814	1,284
cash flow from financing	17,453	-8,009	67,991	1,150	10,501	6,134	2,597	5,645	5,523	3,881	3,708	3,811	2,814	1,284
cash and cash equivalents
cash	-98,792	-436,230	383,247	-488,033	-12,096	358,696	17,487	-198,012	246,947	409,991	-341,119	300,174	98,634	513,419
overdraft		5,333	10,667
change in cash	-98,792	-441,563	372,580	-488,033	-12,096	358,696	17,487	-198,012	246,947	409,991	-341,119	300,174	98,634	513,419

Very Low Risk70 - 100

Low Risk50 - 70

Moderate Risk30 - 50

High Risk20 - 30

Very High Risk0 - 20

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THE INVESTING AND SAVING ALLIANCE group structure

The Investing And Saving Alliance has 5 subsidiary companies.

Ultimate parent company

THE INVESTING AND SAVING ALLIANCE

03548792

5 subsidiaries

TISA COMMERCIAL ENTERPRISES LIMITED

14749391

SELECT ID LTD.

14667856

TISA UNIVERSAL REPORTING NETWORK LIMITED

12664213

TISATECH LIMITED

12699835

ID CONNECT LIMITED

13402517

THE INVESTING AND SAVING ALLIANCE Shareholders

The Investing And Saving Alliance currently has 9 directors. The longest serving directors include Mr Julian Korek (Jun 2007) and Mrs Carol Knight (Jul 2011).

officer	country	age	start	end	role
Mr Julian Korek	England	72 years	Jun 2007	-	Director
Mrs Carol Knight	England	71 years	Jul 2011	-	Director
Mr Tony Stenning		54 years	Oct 2014	-	Director
Ms Elissa Bayer	United Kingdom	71 years	May 2023	-	Director
Ms Anne Fairweather		48 years	May 2023	-	Director
Mr Philip Best	United Kingdom	64 years	May 2023	-	Director
Ms Sarah Layden		50 years	Jul 2023	-	Director
Mr Damien Barry		54 years	Sep 2023	-	Director
Mr Claude Kurzo		52 years	Sep 2023	-	Director

P&L

June 2023

turnover

3.6m

-9%

operating profit

-17.7k

gross margin

66.7%

-1.57%

turnover

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

Balance Sheet

June 2023

net assets

365.7k

+0.03%

total assets

2.2m

+0.06%

cash

754.3k

-0.12%

net assets

Total assets minus all liabilities

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2.5

company number

03548792

Type

Private Limited by guarantee without Share Capital Exempt from using Limited

industry

85590 - Other education n.e.c.

94110 - Activities of business and employers membership organisations

incorporation date

April 1998

ultimate parent company

None

previous names

tax incentivised savings association (June 2019)

professional isa managers' association (June 2007)

address

dakota house 25 falcon court, preston farm business park, stockton-on-tees, cleveland, TS18 3TX

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the investing and saving alliance Company Information

the investing and saving alliance Estimated Valuation

the investing and saving alliance Estimated Valuation

the investing and saving alliance Estimated Valuation

The Investing And Saving Alliance Overview

The Investing And Saving Alliance Health Check

THE INVESTING AND SAVING ALLIANCE financials

the investing and saving alliance Credit Report and Business Information

The Investing And Saving Alliance Competitor Analysis

the investing and saving alliance Ownership

the investing and saving alliance directors

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the investing and saving alliance Companies House Filings - See Documents