
Company Number
03826528
Next Accounts
Nov 2025
Shareholders
mark david francis
david andrew thompson
Group Structure
View All
Industry
Other financial service activities, except insurance and pension funding, (not including security dealing on own account and factoring) n.e.c.
Registered Address
acumen house howarth court, gateway crescent, oldham, lancashire, OL9 9XB
Website
www.acumen-ifa.comPomanda estimates the enterprise value of ACUMEN INDEPENDENT FINANCIAL ADVISERS LIMITED at £49.8k based on a Turnover of £65.3k and 0.76x industry multiple (adjusted for size and gross margin).
Pomanda estimates the enterprise value of ACUMEN INDEPENDENT FINANCIAL ADVISERS LIMITED at £0 based on an EBITDA of £-1.7k and a 2.63x industry multiple (adjusted for size and gross margin).
Pomanda estimates the enterprise value of ACUMEN INDEPENDENT FINANCIAL ADVISERS LIMITED at £0 based on Net Assets of £-18.2k and 1.31x industry multiple (adjusted for liquidity).
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Acumen Independent Financial Advisers Limited is a live company located in oldham, OL9 9XB with a Companies House number of 03826528. It operates in the financial intermediation not elsewhere classified sector, SIC Code 64999. Founded in August 1999, it's largest shareholder is mark david francis with a 50% stake. Acumen Independent Financial Advisers Limited is a mature, micro sized company, Pomanda has estimated its turnover at £65.3k with healthy growth in recent years.
Pomanda's financial health check has awarded Acumen Independent Financial Advisers Limited a 1.5 rating. We use a traffic light system to show it exceeds the industry average on 2 measures and has 6 areas for improvement. Company Health Check FAQs
2 Strong
2 Regular
6 Weak
Size
annual sales of £65.3k, make it smaller than the average company (£5.3m)
- Acumen Independent Financial Advisers Limited
£5.3m - Industry AVG
Growth
3 year (CAGR) sales growth of 6%, show it is growing at a similar rate (6.5%)
- Acumen Independent Financial Advisers Limited
6.5% - Industry AVG
Production
with a gross margin of 13.2%, this company has a higher cost of product (54.9%)
- Acumen Independent Financial Advisers Limited
54.9% - Industry AVG
Profitability
an operating margin of -2.5% make it less profitable than the average company (9.1%)
- Acumen Independent Financial Advisers Limited
9.1% - Industry AVG
Employees
with 1 employees, this is below the industry average (12)
- Acumen Independent Financial Advisers Limited
12 - Industry AVG
Pay Structure
on an average salary of £79.5k, the company has an equivalent pay structure (£79.5k)
- Acumen Independent Financial Advisers Limited
£79.5k - Industry AVG
Efficiency
resulting in sales per employee of £65.3k, this is less efficient (£214.9k)
- Acumen Independent Financial Advisers Limited
£214.9k - Industry AVG
Debtor Days
it gets paid by customers after 4 days, this is earlier than average (33 days)
- Acumen Independent Financial Advisers Limited
33 days - Industry AVG
Creditor Days
its suppliers are paid after 1493 days, this is slower than average (41 days)
- Acumen Independent Financial Advisers Limited
41 days - Industry AVG
Stock Days
There is insufficient data available for this Key Performance Indicator!
- Acumen Independent Financial Advisers Limited
- - Industry AVG
Cash Balance
There is insufficient data available for this Key Performance Indicator!
- - Acumen Independent Financial Advisers Limited
- - Industry AVG
Debt Level
it has a ratio of liabilities to total assets of 108.5%, this is a higher level of debt than the average (70.2%)
108.5% - Acumen Independent Financial Advisers Limited
70.2% - Industry AVG
Acumen Independent Financial Advisers Limited's latest turnover from February 2024 is estimated at £65.3 thousand and the company has net assets of -£18.2 thousand. According to their latest financial statements, we estimate that Acumen Independent Financial Advisers Limited has 1 employee and maintains cash reserves of 0 as reported in the balance sheet.
Data source: Companies House, Pomanda Estimates
Feb 2024 | Feb 2023 | Feb 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 | |
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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 | |||||||||||||||
EBITDA* |
* Earnings Before Interest, Tax, Depreciation and Amortisation
Feb 2024 | Feb 2023 | Feb 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 | 212,970 | 212,970 | 212,970 | 212,970 | 218,726 | 224,482 | 230,238 | 235,994 | 241,750 | 287,798 | 287,798 | 287,798 | 287,798 | 287,798 | 287,798 |
Intangible Assets | |||||||||||||||
Investments & Other | |||||||||||||||
Debtors (Due After 1 year) | |||||||||||||||
Total Fixed Assets | 212,970 | 212,970 | 212,970 | 212,970 | 218,726 | 224,482 | 230,238 | 235,994 | 241,750 | 287,798 | 287,798 | 287,798 | 287,798 | 287,798 | 287,798 |
Stock & work in progress | |||||||||||||||
Trade Debtors | 795 | 2,585 | 997 | 162 | 2,896 | 6,044 | 77 | 880 | 5 | 10,233 | |||||
Group Debtors | |||||||||||||||
Misc Debtors | |||||||||||||||
Cash | 2,869 | 1,824 | 2,828 | 11,810 | 2,911 | 8,829 | 12,426 | 11,688 | |||||||
misc current assets | |||||||||||||||
total current assets | 795 | 2,585 | 997 | 162 | 2,896 | 6,044 | 77 | 2,869 | 1,824 | 2,828 | 12,690 | 2,916 | 8,829 | 12,426 | 21,921 |
total assets | 213,765 | 215,555 | 213,967 | 213,132 | 221,622 | 230,526 | 230,315 | 238,863 | 243,574 | 290,626 | 300,488 | 290,714 | 296,627 | 300,224 | 309,719 |
Bank overdraft | |||||||||||||||
Bank loan | |||||||||||||||
Trade Creditors | 231,985 | 232,113 | 230,270 | 226,431 | 234,425 | 186,268 | 172,604 | 169,759 | 153,928 | 144,391 | 141,135 | 99,989 | 94,688 | 97,113 | 105,531 |
Group/Directors Accounts | |||||||||||||||
other short term finances | |||||||||||||||
hp & lease commitments | |||||||||||||||
other current liabilities | |||||||||||||||
total current liabilities | 231,985 | 232,113 | 230,270 | 226,431 | 234,425 | 186,268 | 172,604 | 169,759 | 153,928 | 144,391 | 141,135 | 99,989 | 94,688 | 97,113 | 105,531 |
loans | 64,058 | 94,115 | 104,006 | 118,175 | |||||||||||
hp & lease commitments | |||||||||||||||
Accruals and Deferred Income | |||||||||||||||
other liabilities | 52,900 | 67,439 | 80,056 | 96,516 | 109,073 | 59,129 | 46,097 | 50,943 | 57,882 | 196,792 | |||||
provisions | |||||||||||||||
total long term liabilities | 52,900 | 67,439 | 80,056 | 96,516 | 109,073 | 123,187 | 140,212 | 154,949 | 176,057 | 196,792 | |||||
total liabilities | 231,985 | 232,113 | 230,270 | 226,431 | 234,425 | 239,168 | 240,043 | 249,815 | 250,444 | 253,464 | 264,322 | 240,201 | 249,637 | 273,170 | 302,323 |
net assets | -18,220 | -16,558 | -16,303 | -13,299 | -12,803 | -8,642 | -9,728 | -10,952 | -6,870 | 37,162 | 36,166 | 50,513 | 46,990 | 27,054 | 7,396 |
total shareholders funds | -18,220 | -16,558 | -16,303 | -13,299 | -12,803 | -8,642 | -9,728 | -10,952 | -6,870 | 37,162 | 36,166 | 50,513 | 46,990 | 27,054 | 7,396 |
Feb 2024 | Feb 2023 | Feb 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 | |||||||||||||||
Amortisation | |||||||||||||||
Tax | |||||||||||||||
Stock | |||||||||||||||
Debtors | -1,790 | 1,588 | 835 | -2,734 | -3,148 | 5,967 | 77 | -880 | 875 | 5 | -10,233 | 10,233 | |||
Creditors | -128 | 1,843 | 3,839 | -7,994 | 48,157 | 13,664 | 2,845 | 15,831 | 9,537 | 3,256 | 41,146 | 5,301 | -2,425 | -8,418 | 105,531 |
Accruals and Deferred Income | |||||||||||||||
Deferred Taxes & Provisions | |||||||||||||||
Cash flow from operations | |||||||||||||||
Investing Activities | |||||||||||||||
capital expenditure | |||||||||||||||
Change in Investments | |||||||||||||||
cash flow from investments | |||||||||||||||
Financing Activities | |||||||||||||||
Bank loans | |||||||||||||||
Group/Directors Accounts | |||||||||||||||
Other Short Term Loans | |||||||||||||||
Long term loans | -64,058 | -30,057 | -9,891 | -14,169 | 118,175 | ||||||||||
Hire Purchase and Lease Commitments | |||||||||||||||
other long term liabilities | -52,900 | -14,539 | -12,617 | -16,460 | -12,557 | 49,944 | 13,032 | -4,846 | -6,939 | -138,910 | 196,792 | ||||
share issue | |||||||||||||||
interest | |||||||||||||||
cash flow from financing | |||||||||||||||
cash and cash equivalents | |||||||||||||||
cash | -2,869 | 1,045 | -1,004 | -8,982 | 8,899 | -5,918 | -3,597 | 738 | 11,688 | ||||||
overdraft | |||||||||||||||
change in cash | -2,869 | 1,045 | -1,004 | -8,982 | 8,899 | -5,918 | -3,597 | 738 | 11,688 |
Perform a competitor analysis for acumen independent financial advisers limited by selecting its closest rivals, whether from the FINANCIAL AND INSURANCE ACTIVITIES sector, other micro companies, companies in OL9 area or any other competitors across 12 key performance metrics.
ACUMEN INDEPENDENT FINANCIAL ADVISERS LIMITED group structure
Acumen Independent Financial Advisers Limited has no subsidiary companies.
Ultimate parent company
ACUMEN INDEPENDENT FINANCIAL ADVISERS LIMITED
03826528
Acumen Independent Financial Advisers Limited currently has 2 directors. The longest serving directors include Mr Mark Francis (Aug 1999) and Mr David Thompson (Aug 1999).
officer | country | age | start | end | role |
---|---|---|---|---|---|
Mr Mark Francis | 60 years | Aug 1999 | - | Director | |
Mr David Thompson | United Kingdom | 60 years | Aug 1999 | - | Director |
P&L
February 2024turnover
65.3k
+18%
operating profit
-1.7k
0%
gross margin
13.2%
-17.26%
turnover
Turnover, or revenue, is the amount of sales generated by a company within the financial year.
Balance Sheet
February 2024net assets
-18.2k
+0.1%
total assets
213.8k
-0.01%
cash
0
0%
net assets
Total assets minus all liabilities
company number
03826528
Type
Private limited with Share Capital
industry
64999 - Other financial service activities, except insurance and pension funding, (not including security dealing on own account and factoring) n.e.c.
incorporation date
August 1999
age
26
incorporated
UK
ultimate parent company
accounts
Micro-Entity Accounts
last accounts submitted
February 2024
previous names
N/A
accountant
-
auditor
-
address
acumen house howarth court, gateway crescent, oldham, lancashire, OL9 9XB
Bank
-
Legal Advisor
-
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 1 charges/mortgages relating to acumen independent financial advisers limited. Currently there are 1 open charges and 0 have been satisfied in the past.
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 ACUMEN INDEPENDENT FINANCIAL ADVISERS LIMITED. This can take several minutes, an email will notify you when this has completed.
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