Radiant Financial Planning Limited

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radiant financial planning limited Company Information

Company Number

03916451

Next Accounts

Dec 2025

Directors

Robert Taylor

Christopher Lomas

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Shareholders

radiant financial group uk holdings limited

Group Structure

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Industry

Other activities auxiliary to insurance and pension funding

Registered Address

sovereign place 20 the point, market harborough, LE16 7QU

Website

https://www.cwbgroup.co.uk

radiant financial planning limited Estimated Valuation

£36.9m

Pomanda estimates the enterprise value of RADIANT FINANCIAL PLANNING LIMITED at £36.9m based on Net Assets of £17.9m and 2.06x industry multiple (adjusted for liquidity).

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Radiant Financial Planning Limited is a live company located in market harborough, LE16 7QU with a Companies House number of 03916451. It operates in the other activities auxiliary to insurance and pension funding sector, SIC Code 66290. Founded in January 2000, it's largest shareholder is radiant financial group uk holdings limited with a 100% stake. Radiant Financial Planning Limited is a mature, mid sized company, Pomanda has estimated its turnover at £13.2m with rapid growth in recent years.

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Pomanda's financial health check has awarded Radiant Financial Planning Limited a 4 rating. We use a traffic light system to show it exceeds the industry average on 6 measures and has 3 areas for improvement. Company Health Check FAQs

Health Rating4out of 5

6 Strong

2 Regular

3 Weak

Size

annual sales of £13.2m, make it larger than the average company (£1.6m)

Growth

3 year (CAGR) sales growth of 42%, show it is growing at a faster rate (7.2%)

EXPORT

Radiant Financial Planning Limited's latest turnover from March 2024 is £13.2 million and the company has net assets of £17.9 million. According to their latest financial statements, Radiant Financial Planning Limited has 127 employees and maintains cash reserves of £1.3 million as reported in the balance sheet.

Data source: Companies House, Pomanda Estimates

	Mar 2024	Mar 2023	Mar 2022	Mar 2021	Mar 2020	Mar 2019	Jul 2018	Jul 2017	Jul 2016	Jul 2015	Jul 2014	Jul 2013	Jul 2012	Jul 2011	Jul 2010	Jul 2009
Turnover	13,231,960	10,823,922	5,476,633	4,642,136	4,593,525	2,704,196	2,453,614	2,144,710	2,076,931	1,230,005	1,660,356	2,156,394	1,681,547	912,409	748,968
Other Income Or Grants
Cost Of Sales	102,192	105,772			80,487	42,090			176,180	447,430	632,207	683,081	501,852	317,891	231,196
Gross Profit	13,129,768	10,718,150	5,476,633	4,642,136	4,513,038	2,662,106	2,453,614	2,144,710	1,900,751	782,575	1,028,149	1,473,313	1,179,695	594,518	517,772
Admin Expenses	12,208,991	10,018,399	3,516,036	2,454,288	3,889,308	2,454,763	2,175,953	2,276,015	2,086,355	1,051,195	866,200	1,200,247	1,134,282	445,747	406,000	-197,203
Operating Profit	920,777	699,751	1,960,597	2,187,848	623,730	207,343	277,661	-131,305	-185,604	-268,620	161,949	273,066	45,413	148,771	111,772	197,203
Interest Payable		205		6,868	11,538						1,741	3,493	1,752
Interest Receivable	23,820		3,957	404			947	637	1,531	2,635	2,687	1,645	974	1,030	632	56
Pre-Tax Profit	944,597	699,546	1,964,554	2,181,384	612,192	207,343	278,609	-130,668	-184,073	-265,985	162,895	271,218	44,636	149,801	112,404	197,258
Tax		-171	-373,265	-414,463	827	-27,944	-52,936				-34,208	-62,380	-10,713	-38,948	-31,473	-55,232
Profit After Tax	944,597	699,375	1,591,289	1,766,921	613,019	179,399	225,673	-130,668	-184,073	-265,985	128,687	208,838	33,923	110,853	80,931	142,026
Dividends Paid					201,000	112,000
Retained Profit	944,597	699,375	1,591,289	1,766,921	412,019	67,399	225,673	-130,668	-184,073	-265,985	128,687	208,838	33,923	110,853	80,931	142,026
Employee Costs	7,350,709	5,445,116	3,091,769	2,850,849	1,876,638	1,577,869	2,099,176	1,875,795	1,918,877	604,086	687,600	909,587	654,122	348,429	303,869
Number Of Employees	127	99	60	60	39	34	46	42	42	12	15	21	15	8	7
EBITDA*	1,758,055	1,159,737	2,000,822	2,216,415	647,620	224,203	316,265	-94,028	-151,255	-234,910	260,406	369,885	122,849	168,641	134,555	228,258

* Earnings Before Interest, Tax, Depreciation and Amortisation

	Mar 2024	Mar 2023	Mar 2022	Mar 2021	Mar 2020	Mar 2019	Jul 2018	Jul 2017	Jul 2016	Jul 2015	Jul 2014	Jul 2013	Jul 2012	Jul 2011	Jul 2010	Jul 2009
Tangible Assets	347,579	277,110	106,016	83,639	77,929	38,635	53,810	66,334	69,142	86,048	45,424	54,825	53,262	74,987	77,967	99,359
Intangible Assets	12,039,457	12,406,617	4,297,782								10,524	86,809	146,835
Investments & Other
Debtors (Due After 1 year)
Total Fixed Assets	12,387,036	12,683,727	4,403,798	83,639	77,929	38,635	53,810	66,334	69,142	86,048	55,948	141,634	200,097	74,987	77,967	99,359
Stock & work in progress
Trade Debtors	816,992	631,449	584,580	394,571	488,828	308,588	18,598	1,751	31,458	232,564	285,303	326,986	263,260	119,547	107,955	190,273
Group Debtors	7,598,434	8,494,993	5,422,169				929,455	444,151	238,716
Misc Debtors	1,212,871	1,170,633	831,834	2,835,074	3,720,056	1,999,332	497,944	67,083	15,733					115,156
Cash	1,278,136	739,441	358,684	696,504	111,568	16,728	53,084	325,832	183,465	428,953	624,895	449,858	208,319	181,477	230,639	22,247
misc current assets
total current assets	10,906,433	11,036,516	7,197,267	3,926,149	4,320,452	2,324,648	1,499,081	838,817	469,372	661,517	910,198	776,844	471,579	416,180	338,594	212,520
total assets	23,293,469	23,720,243	11,601,065	4,009,788	4,398,381	2,363,283	1,552,891	905,151	538,514	747,565	966,146	918,478	671,676	491,167	416,561	311,879
Bank overdraft
Bank loan					93,612							42,662
Trade Creditors	416,829	337,351	246,422	207,230	146,183	120,939	188,670	78,717	36,642	284,259	250,258	272,392	235,755	138,717	178,321	135,037
Group/Directors Accounts						1,349,832	458,521	495,315	43,324
other short term finances
hp & lease commitments
other current liabilities	4,513,689	2,535,855	1,757,029	1,182,284	3,178,090	460,830	538,992	188,543	179,845
total current liabilities	4,930,518	2,873,206	2,003,451	1,389,514	3,417,885	1,931,601	1,186,183	762,575	259,811	284,259	250,258	315,054	235,755	138,717	178,321	135,037
loans					131,574							10,911	53,910
hp & lease commitments
Accruals and Deferred Income
other liabilities	416,667	3,845,350	1,286,756											4,563	356	17,780
provisions	21,771	21,771	18,289	13,630	9,199	3,978	6,403	7,944	13,403	13,403		5,312	3,748	4,077	4,927	7,036
total long term liabilities	438,438	3,867,121	1,305,045	13,630	140,773	3,978	6,403	7,944	13,403	13,403		16,223	57,658	8,640	5,283	24,816
total liabilities	5,368,956	6,740,327	3,308,496	1,403,144	3,558,658	1,935,579	1,192,586	770,519	273,214	297,662	250,258	331,277	293,413	147,357	183,604	159,853
net assets	17,924,513	16,979,916	8,292,569	2,606,644	839,723	427,704	360,305	134,632	265,300	449,903	715,888	587,201	378,263	343,810	232,957	152,026
total shareholders funds	17,924,513	16,979,916	8,292,569	2,606,644	839,723	427,704	360,305	134,632	265,300	449,903	715,888	587,201	378,263	343,810	232,957	152,026

	Mar 2024	Mar 2023	Mar 2022	Mar 2021	Mar 2020	Mar 2019	Jul 2018	Jul 2017	Jul 2016	Jul 2015	Jul 2014	Jul 2013	Jul 2012	Jul 2011	Jul 2010	Jul 2009
Operating Activities
Operating Profit	920,777	699,751	1,960,597	2,187,848	623,730	207,343	277,661	-131,305	-185,604	-268,620	161,949	273,066	45,413	148,771	111,772	197,203
Depreciation	159,733	73,017	33,060	28,567	23,890	16,860	38,604	37,277	34,349	23,186	22,172	15,688	16,521	19,870	22,783	31,055
Amortisation	677,545	386,969	7,165							10,524	76,285	81,131	60,915
Tax		-171	-373,265	-414,463	827	-27,944	-52,936				-34,208	-62,380	-10,713	-38,948	-31,473	-55,232
Stock
Debtors	-668,778	3,458,492	3,608,938	-979,239	1,900,964	861,923	933,012	227,078	53,343	-52,739	-41,683	63,726	28,557	126,748	-82,318	190,273
Creditors	79,478	90,929	39,192	61,047	25,244	-67,731	109,953	42,075	-247,617	34,001	-22,134	36,637	97,038	-39,604	43,284	135,037
Accruals and Deferred Income	1,977,834	778,826	574,745	-1,995,806	2,717,260	-78,162	350,449	8,698	179,845
Deferred Taxes & Provisions		3,482	4,659	4,431	5,221	-2,425	-1,541	-5,459		13,403	-5,312	1,564	-329	-850	-2,109	7,036
Cash flow from operations	4,484,145	-1,425,689	-1,362,785	850,863	1,495,208	-813,982	-210,822	-275,792	-272,370	-134,767	240,435	281,980	180,288	-37,509	226,575	124,826
Investing Activities
capital expenditure	-540,587	-8,739,915	-4,360,384	-34,277	-63,184	-1,685	-26,080	-34,469	-17,443	-63,810	-12,771	-38,356	-202,546	-16,890	-1,391	-130,414
Change in Investments
cash flow from investments	-540,587	-8,739,915	-4,360,384	-34,277	-63,184	-1,685	-26,080	-34,469	-17,443	-63,810	-12,771	-38,356	-202,546	-16,890	-1,391	-130,414
Financing Activities
Bank loans				-93,612	93,612						-42,662	42,662
Group/Directors Accounts					-1,349,832	891,311	-36,794	451,991	43,324
Other Short Term Loans
Long term loans				-131,574	131,574						-10,911	-42,999	53,910
Hire Purchase and Lease Commitments
other long term liabilities	-3,428,683	2,558,594	1,286,756										-4,563	4,207	-17,424	17,780
share issue		7,987,972	4,094,636						-530			100	530			10,000
interest	23,820	-205	3,957	-6,464	-11,538		947	637	1,531	2,635	946	-1,848	-778	1,030	632	56
cash flow from financing	-3,404,863	10,546,361	5,385,349	-231,650	-1,136,184	891,311	-35,847	452,628	44,325	2,635	-52,627	-2,085	49,099	5,237	-16,792	27,836
cash and cash equivalents
cash	538,695	380,757	-337,820	584,936	94,840	-36,356	-272,748	142,367	-245,488	-195,942	175,037	241,539	26,842	-49,162	208,392	22,247
overdraft
change in cash	538,695	380,757	-337,820	584,936	94,840	-36,356	-272,748	142,367	-245,488	-195,942	175,037	241,539	26,842	-49,162	208,392	22,247

Very Low Risk70 - 100

Low Risk50 - 70

Moderate Risk30 - 50

High Risk20 - 30

Very High Risk0 - 20

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RADIANT FINANCIAL PLANNING LIMITED group structure

Radiant Financial Planning Limited has no subsidiary companies.

Ultimate parent company

RADIANT FINANCIAL GROUP LIMITED

FC038228

RADIANT FINANCIAL GROUP UK HOLDINGS LIMITED

11144498

2 parents

RADIANT FINANCIAL PLANNING LIMITED

03916451

RADIANT FINANCIAL PLANNING LIMITED Shareholders

radiant financial group uk holdings limited

100%

Radiant Financial Planning Limited currently has 3 directors. The longest serving directors include Mr Robert Taylor (Aug 2022) and Mr Christopher Lomas (Feb 2025).

officer	country	age	start	end	role
Mr Robert Taylor	England	48 years	Aug 2022	-	Director
Mr Christopher Lomas	United Kingdom	55 years	Feb 2025	-	Director
Mr Simon Cogman-Hellier	United Kingdom	62 years	Feb 2025	-	Director

P&L

March 2024

turnover

13.2m

+22%

operating profit

920.8k

+32%

gross margin

99.3%

+0.21%

turnover

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

Balance Sheet

March 2024

net assets

17.9m

+0.06%

total assets

23.3m

-0.02%

cash

1.3m

+0.73%

net assets

Total assets minus all liabilities

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company number

03916451

Type

Private limited with Share Capital

industry

66290 - Other activities auxiliary to insurance and pension funding

incorporation date

January 2000

ultimate parent company

RADIANT FINANCIAL GROUP LIMITED

previous names

clarkson wayman ball limited (March 2021)

cwb (clarkson wayman ball) limited (October 2003)

address

sovereign place 20 the point, market harborough, LE16 7QU

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 4 charges/mortgages relating to radiant financial planning limited. Currently there are 1 open charges and 3 have been satisfied in the past.

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radiant financial planning limited Company Information

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