Pomanda estimates the enterprise value of SPF PRIVATE CLIENTS LIMITED at £55.8m based on a Turnover of £35.4m and 1.58x industry multiple (adjusted for size and gross margin).
spf private clients limitedEstimated Valuation
£45.4m
Pomanda estimates the enterprise value of SPF PRIVATE CLIENTS LIMITED at £45.4m based on an EBITDA of £5.3m and a 8.58x industry multiple (adjusted for size and gross margin).
spf private clients limitedEstimated Valuation
£35.5m
Pomanda estimates the enterprise value of SPF PRIVATE CLIENTS LIMITED at £35.5m based on Net Assets of £18.3m and 1.94x industry multiple (adjusted for liquidity).
Edit your figures and get a professional valuation report.
Spf Private Clients LimitedOverview
Spf Private Clients Limited is a live company located in london, EC3V 0BT with a Companies House number of 03680970. It operates in the activities of insurance agents and brokers sector, SIC Code 66220. Founded in December 1998, it's largest shareholder is
howden uk&i holdings limited
with a 100% stake. Spf Private Clients Limited is a mature,
large sized company, Pomanda has estimated its turnover at
£35.4m with
low
growth in recent years.
Pomanda's financial health check has awarded Spf Private Clients Limited a 4 rating. We use a traffic light system to show it exceeds the industry average on 5 measures and has 4 areas for improvement. Company Health Check FAQs
Health Rating4out of 5
5 Strong
1 Regular
4 Weak
Size
annual sales of £35.4m, make it larger than the average company (£3m)
£35.4m - Spf Private Clients Limited
£3m - Industry AVG
Growth
3 year (CAGR) sales growth of 3%, show it is growing at a slower rate (8.3%)
3% - Spf Private Clients Limited
8.3% - Industry AVG
Production
with a gross margin of 91.8%, this company has a comparable cost of product (94.4%)
91.8% - Spf Private Clients Limited
94.4% - Industry AVG
Profitability
an operating margin of 14.3% make it less profitable than the average company (18.5%)
14.3% - Spf Private Clients Limited
18.5% - Industry AVG
Employees
with 203 employees, this is above the industry average (19)
203 - Spf Private Clients Limited
19 - Industry AVG
Pay Structure
on an average salary of £98.9k, the company has a higher pay structure (£58.4k)
£98.9k - Spf Private Clients Limited
£58.4k - Industry AVG
Efficiency
resulting in sales per employee of £174.3k, this is more efficient (£133.1k)
£174.3k - Spf Private Clients Limited
£133.1k - Industry AVG
Debtor Days
it gets paid by customers after 12 days, this is earlier than average (64 days)
12 days - Spf Private Clients Limited
64 days - Industry AVG
Creditor Days
There is insufficient data available for this Key Performance Indicator!
- - Spf Private Clients Limited
- - Industry AVG
Stock Days
There is insufficient data available for this Key Performance Indicator!
- - Spf Private Clients Limited
- - Industry AVG
Cash Balance
has cash to cover current liabilities
for 15 weeks, this is less cash available to meet short term requirements (32 weeks)
15 weeks - Spf Private Clients Limited
32 weeks - Industry AVG
Debt Level
it has a ratio of liabilities to total assets of 44.1%, this is a lower level of debt than the average (53.4%)
44.1% - Spf Private Clients Limited
53.4% - Industry AVG
SPF PRIVATE CLIENTS LIMITED financials
EXPORT
Spf Private Clients Limited's latest turnover from September 2024 is £35.4 million and the company has net assets of £18.3 million. According to their latest financial statements, Spf Private Clients Limited has 203 employees and maintains cash reserves of £4.3 million as reported in the balance sheet.
Data source:Companies House, Pomanda Estimates
Sep 2024
Sep 2023
Sep 2022
Dec 2021
Dec 2020
Dec 2019
Dec 2018
Dec 2017
Dec 2016
Dec 2015
Dec 2014
Dec 2013
Dec 2012
Dec 2011
Apr 2011
Dec 2009
Turnover
35,378,033
33,345,902
26,140,343
31,962,000
22,797,000
22,133,000
19,837,000
20,929,000
17,935,000
16,526,000
14,047,000
10,882,000
8,575,000
6,874,000
10,655,000
9,799,000
Other Income Or Grants
545,000
Cost Of Sales
2,888,510
2,890,661
2,447,483
2,967,000
2,528,000
2,819,165
2,466,782
2,678,204
2,407,591
2,711,247
3,265,407
2,975,188
2,877,214
2,020,181
2,686,915
Gross Profit
32,489,523
30,455,241
23,692,860
28,995,000
20,814,000
19,313,835
17,370,218
18,250,796
15,527,409
13,814,753
10,781,593
7,906,812
5,697,786
4,853,819
7,968,085
Admin Expenses
27,423,323
24,919,154
19,213,091
21,888,000
17,656,000
16,391,835
14,573,218
14,014,796
12,927,409
10,759,753
7,698,593
5,770,812
5,000,786
3,907,819
8,313,085
1,356,000
Operating Profit
5,066,200
5,536,087
4,479,769
7,107,000
3,158,000
2,922,000
2,797,000
4,236,000
2,600,000
3,055,000
3,083,000
2,136,000
697,000
946,000
-345,000
-1,356,000
Interest Payable
7,737
7,576
1,000
3,000
Interest Receivable
376,743
258,499
24,834
275,000
22,000
287,000
81,000
4,000
15,000
18,000
38,000
21,000
20,000
6,000
5,000
11,000
Pre-Tax Profit
5,435,206
5,787,010
4,504,603
7,382,000
3,180,000
3,409,000
2,878,000
4,490,000
2,765,000
3,114,000
3,121,000
2,157,000
717,000
952,000
-341,000
-1,348,000
Tax
-1,468,535
-1,426,192
-1,810,710
-1,349,000
-585,000
-484,000
-675,000
-964,000
-486,000
-746,000
-769,000
-532,000
-135,000
-307,000
-7,000
706,000
Profit After Tax
3,966,671
4,360,818
2,693,893
6,033,000
2,595,000
2,925,000
2,203,000
3,526,000
2,279,000
2,368,000
2,352,000
1,625,000
582,000
645,000
-348,000
-642,000
Dividends Paid
13,251,885
200,000
1,950,000
2,870,000
2,084,000
1,710,000
515,000
667,000
246,000
1,022,000
Retained Profit
3,966,671
4,360,818
-10,557,992
6,033,000
2,595,000
2,725,000
2,203,000
1,576,000
-591,000
284,000
642,000
1,110,000
-85,000
399,000
-1,370,000
-642,000
Employee Costs
20,076,863
18,086,279
14,055,303
17,757,000
13,864,000
15,323,000
13,472,000
13,157,000
12,153,000
11,102,000
8,997,000
7,178,000
6,469,000
4,794,000
8,218,000
7,914,000
Number Of Employees
203
194
185
171
155
150
143
134
135
128
95
82
87
92
104
133
EBITDA*
5,285,793
5,773,617
4,760,520
7,315,000
3,358,000
2,922,000
3,262,000
4,701,000
2,924,000
3,393,000
3,098,000
2,146,000
976,000
999,000
-298,000
-1,314,000
* Earnings Before Interest, Tax, Depreciation and Amortisation
Sep 2024
Sep 2023
Sep 2022
Dec 2021
Dec 2020
Dec 2019
Dec 2018
Dec 2017
Dec 2016
Dec 2015
Dec 2014
Dec 2013
Dec 2012
Dec 2011
Apr 2011
Dec 2009
Tangible Assets
262,955
393,222
548,045
499,000
336,000
301,000
306,000
371,000
470,000
309,000
806,000
1,048,000
340,000
329,000
329,000
1,164,000
Intangible Assets
90,477
19,688
9,130
26,000
50,000
53,000
75,000
340,000
529,000
681,000
23,000
39,000
37,000
Investments & Other
25,000
25,000
25,000
25,000
25,000
25,000
25,000
25,000
25,000
25,000
752,000
1,002,000
275,000
275,000
275,000
535,000
Debtors (Due After 1 year)
34,479
Total Fixed Assets
412,911
437,910
582,175
550,000
411,000
379,000
381,000
711,000
999,000
990,000
829,000
1,048,000
340,000
329,000
368,000
1,201,000
Stock & work in progress
Trade Debtors
1,167,917
889,924
1,614,572
1,358,000
1,004,000
1,138,000
1,040,000
1,850,000
1,316,000
1,066,000
1,645,000
980,000
853,000
1,147,000
231,000
732,000
Group Debtors
22,817,844
17,100,887
104,866
14,905,000
7,058,000
938,000
6,838,000
4,000
4,000
304,000
253,000
278,000
274,000
47,000
792,000
298,000
Misc Debtors
4,110,389
6,453,506
2,755,242
4,718,000
4,537,000
2,755,000
727,000
677,000
535,000
2,149,000
880,000
764,000
656,000
567,000
323,000
731,000
Cash
4,268,715
6,136,694
19,299,610
17,311,000
13,092,000
12,741,000
4,284,000
8,192,000
5,386,000
5,745,000
4,694,000
3,692,000
2,572,000
3,105,000
610,000
1,193,000
misc current assets
28,000
493,000
total current assets
32,364,865
30,581,011
23,774,290
38,292,000
25,691,000
17,572,000
12,889,000
10,723,000
7,269,000
9,264,000
7,472,000
5,714,000
4,355,000
4,866,000
1,956,000
3,447,000
total assets
32,777,776
31,018,921
24,356,465
38,842,000
26,102,000
17,951,000
13,270,000
11,434,000
8,268,000
10,254,000
8,301,000
6,762,000
4,695,000
5,195,000
2,324,000
4,648,000
Bank overdraft
Bank loan
Trade Creditors
325,261
81,642
249,000
64,000
230,000
136,000
149,000
298,000
437,000
167,000
259,000
440,000
321,000
169,000
433,000
Group/Directors Accounts
1,417,863
1,193,000
other short term finances
hp & lease commitments
other current liabilities
13,037,603
16,822,586
14,855,274
17,430,000
12,172,000
6,540,000
6,165,000
7,227,000
5,488,000
6,658,000
5,218,000
4,069,000
3,177,000
3,711,000
1,391,000
2,610,000
total current liabilities
14,455,466
17,147,847
14,936,916
18,872,000
12,236,000
6,770,000
6,301,000
7,376,000
5,786,000
7,095,000
5,385,000
4,328,000
3,617,000
4,032,000
1,560,000
3,043,000
loans
hp & lease commitments
Accruals and Deferred Income
other liabilities
provisions
172,000
172,000
492,000
total long term liabilities
86,000
86,000
246,000
total liabilities
14,455,466
17,147,847
14,936,916
18,872,000
12,236,000
6,770,000
6,301,000
7,376,000
5,786,000
7,181,000
5,471,000
4,574,000
3,617,000
4,032,000
1,560,000
3,043,000
net assets
18,322,310
13,871,074
9,419,549
19,970,000
13,866,000
11,181,000
6,969,000
4,058,000
2,482,000
3,073,000
2,830,000
2,188,000
1,078,000
1,163,000
764,000
1,605,000
total shareholders funds
18,322,310
13,871,074
9,419,549
19,970,000
13,866,000
11,181,000
6,969,000
4,058,000
2,482,000
3,073,000
2,830,000
2,188,000
1,078,000
1,163,000
764,000
1,605,000
Sep 2024
Sep 2023
Sep 2022
Dec 2021
Dec 2020
Dec 2019
Dec 2018
Dec 2017
Dec 2016
Dec 2015
Dec 2014
Dec 2013
Dec 2012
Dec 2011
Apr 2011
Dec 2009
Operating Activities
Operating Profit
5,066,200
5,536,087
4,479,769
7,107,000
3,158,000
2,922,000
2,797,000
4,236,000
2,600,000
3,055,000
3,083,000
2,136,000
697,000
946,000
-345,000
-1,356,000
Depreciation
209,081
233,900
263,933
184,000
178,000
145,000
145,000
104,000
23,000
15,000
10,000
5,000
14,000
14,000
36,000
Amortisation
10,512
3,630
16,818
24,000
22,000
320,000
320,000
220,000
315,000
274,000
39,000
33,000
6,000
Tax
-1,468,535
-1,426,192
-1,810,710
-1,349,000
-585,000
-484,000
-675,000
-964,000
-486,000
-746,000
-769,000
-532,000
-135,000
-307,000
-7,000
706,000
Stock
Debtors
3,686,312
19,969,637
-16,506,320
8,382,000
7,768,000
-3,774,000
6,074,000
676,000
-1,664,000
741,000
756,000
239,000
22,000
1,761,000
1,346,000
1,761,000
Creditors
-325,261
243,619
-167,358
185,000
-166,000
94,000
-13,000
-149,000
-139,000
270,000
-92,000
-181,000
119,000
321,000
169,000
433,000
Accruals and Deferred Income
-3,784,983
1,967,312
-2,574,726
5,258,000
5,632,000
375,000
-1,062,000
1,739,000
-1,170,000
1,440,000
1,149,000
892,000
-534,000
3,711,000
1,391,000
2,610,000
Deferred Taxes & Provisions
-172,000
-320,000
492,000
Cash flow from operations
-3,979,298
-13,411,281
16,714,046
3,027,000
471,000
6,681,000
-4,562,000
4,651,000
2,621,000
3,616,000
2,310,000
2,578,000
404,000
2,963,000
-91,000
674,000
Investing Activities
capital expenditure
-160,115
-93,265
-312,926
-347,000
-135,000
-177,000
-333,000
-499,000
204,000
-718,000
-290,000
-382,000
-415,000
-1,243,000
Change in Investments
-727,000
-250,000
727,000
275,000
275,000
535,000
cash flow from investments
-160,115
-93,265
-312,926
-347,000
-135,000
-177,000
-333,000
228,000
454,000
-1,445,000
-290,000
-657,000
-690,000
-1,778,000
Financing Activities
Bank loans
Group/Directors Accounts
1,417,863
-1,193,000
1,193,000
Other Short Term Loans
Long term loans
Hire Purchase and Lease Commitments
other long term liabilities
share issue
484,565
90,707
7,541
71,000
90,000
1,487,000
708,000
-41,000
764,000
2,134,000
2,247,000
interest
369,006
250,923
24,834
275,000
22,000
287,000
81,000
4,000
15,000
18,000
38,000
21,000
20,000
6,000
4,000
8,000
cash flow from financing
2,271,434
341,630
-1,160,625
1,539,000
112,000
1,774,000
789,000
4,000
15,000
-23,000
38,000
21,000
20,000
770,000
2,138,000
2,255,000
cash and cash equivalents
cash
-1,867,979
-13,162,916
1,988,610
4,219,000
351,000
8,457,000
-3,908,000
2,806,000
-359,000
1,051,000
1,002,000
1,120,000
-533,000
3,105,000
610,000
1,193,000
overdraft
change in cash
-1,867,979
-13,162,916
1,988,610
4,219,000
351,000
8,457,000
-3,908,000
2,806,000
-359,000
1,051,000
1,002,000
1,120,000
-533,000
3,105,000
610,000
1,193,000
spf private clients limited Credit Report and Business Information
Very Low Risk70 - 100
Low Risk50 - 70
Moderate Risk30 - 50
High Risk20 - 30
Very High Risk0 - 20
Get a comprehensive credit check for spf private clients limited. Get real-time insights into spf private clients limited's credit score, group structure and payment trends.
Perform a competitor analysis for spf private clients limited by selecting its closest rivals, whether from the FINANCIAL AND INSURANCE ACTIVITIES sector, other large companies, companies in EC3V area or any other competitors across 12 key performance metrics.
spf private clients limited Ownership
SPF PRIVATE CLIENTS LIMITED group structure
Spf Private Clients Limited has no subsidiary companies.
The sole shareholder of Spf Private Clients Limited is Howden Uk&I Holdings Limited.
howden uk&i holdings limited
100%
spf private clients limited directors
Spf Private Clients Limited currently has 6 directors.
The longest serving directors include
Mr Michael Boles (Dec 1998) and
Mr Mark Harris (Jan 2002).
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 7 charges/mortgages relating to spf private clients limited. Currently there are 3 open charges and 4 have been satisfied in the past.
spf private clients 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 SPF PRIVATE CLIENTS LIMITED. This can take several minutes, an email will notify you when this has completed.
spf private clients limitedCompanies House Filings - See Documents
