joseph r. lamb independent financial advisers limited
joseph r. lamb independent financial advisers limited Company Information
Company Number
03928438
Next Accounts
Sep 2025
Shareholders
kw uk investment management holdco limited
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
chillingstone house, 26 eastwood road, rayleigh, essex, SS6 7JQ
Website
www.josephlamb.comjoseph r. lamb independent financial advisers limited Estimated Valuation
Pomanda estimates the enterprise value of JOSEPH R. LAMB INDEPENDENT FINANCIAL ADVISERS LIMITED at £0 based on a Turnover of £-40.2k and 1.7x industry multiple (adjusted for size and gross margin).
joseph r. lamb independent financial advisers limited Estimated Valuation
Pomanda estimates the enterprise value of JOSEPH R. LAMB INDEPENDENT FINANCIAL ADVISERS LIMITED at £0 based on an EBITDA of £-742.9k and a 5.87x industry multiple (adjusted for size and gross margin).
joseph r. lamb independent financial advisers limited Estimated Valuation
Pomanda estimates the enterprise value of JOSEPH R. LAMB INDEPENDENT FINANCIAL ADVISERS LIMITED at £3.7m based on Net Assets of £2.8m and 1.31x industry multiple (adjusted for liquidity).
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Joseph R. Lamb Independent Financial Advisers Limited Overview
Joseph R. Lamb Independent Financial Advisers Limited is a live company located in rayleigh, SS6 7JQ with a Companies House number of 03928438. It operates in the financial intermediation not elsewhere classified sector, SIC Code 64999. Founded in February 2000, it's largest shareholder is kw uk investment management holdco limited with a 100% stake. Joseph R. Lamb Independent Financial Advisers Limited is a mature, micro sized company, Pomanda has estimated its turnover at £-40.2k with unknown growth in recent years.
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Joseph R. Lamb Independent Financial Advisers Limited Health Check
Pomanda's financial health check has awarded Joseph R. Lamb Independent Financial Advisers Limited a 3 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
3 Strong
0 Regular
5 Weak
Size
annual sales of £-40.2k, make it smaller than the average company (£5.6m)
£-40.2k - Joseph R. Lamb Independent Financial Advisers Limited
£5.6m - Industry AVG
Growth
There is insufficient data available for this Key Performance Indicator!
- Joseph R. Lamb Independent Financial Advisers Limited
- - Industry AVG
Production
with a gross margin of 104.8%, this company has a lower cost of product (54.1%)
104.8% - Joseph R. Lamb Independent Financial Advisers Limited
54.1% - Industry AVG
Profitability
an operating margin of 2232.4% make it more profitable than the average company (9.1%)
2232.4% - Joseph R. Lamb Independent Financial Advisers Limited
9.1% - Industry AVG
Employees
with 1 employees, this is below the industry average (14)
1 - Joseph R. Lamb Independent Financial Advisers Limited
14 - Industry AVG
Pay Structure
on an average salary of £298.5k, the company has a higher pay structure (£82.7k)
£298.5k - Joseph R. Lamb Independent Financial Advisers Limited
£82.7k - Industry AVG
Efficiency
resulting in sales per employee of £-40.2k, this is less efficient (£223.3k)
£-40.2k - Joseph R. Lamb Independent Financial Advisers Limited
£223.3k - Industry AVG
Debtor Days
There is insufficient data available for this Key Performance Indicator!
- - Joseph R. Lamb Independent Financial Advisers Limited
- - Industry AVG
Creditor Days
There is insufficient data available for this Key Performance Indicator!
- - Joseph R. Lamb Independent Financial Advisers Limited
- - Industry AVG
Stock Days
There is insufficient data available for this Key Performance Indicator!
- - Joseph R. Lamb Independent Financial Advisers Limited
- - Industry AVG
Cash Balance
has cash to cover current liabilities for 9 weeks, this is less cash available to meet short term requirements (29 weeks)
9 weeks - Joseph R. Lamb Independent Financial Advisers Limited
29 weeks - Industry AVG
Debt Level
it has a ratio of liabilities to total assets of 26.4%, this is a lower level of debt than the average (71.4%)
26.4% - Joseph R. Lamb Independent Financial Advisers Limited
71.4% - Industry AVG
JOSEPH R. LAMB INDEPENDENT FINANCIAL ADVISERS LIMITED financials
Joseph R. Lamb Independent Financial Advisers Limited's latest turnover from December 2023 is -£40.2 thousand and the company has net assets of £2.8 million. According to their latest financial statements, Joseph R. Lamb Independent Financial Advisers Limited has 1 employee and maintains cash reserves of £187.7 thousand as reported in the balance sheet.
Data source: Companies House, Pomanda Estimates
| Dec 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 | -40,158 | 4,117,916 | 3,870,282 | 4,005,804 | 3,825,991 | 3,849,486 | 3,502,735 | 3,216,327 | 2,898,930 | 2,713,826 | 2,457,489 | 2,577,568 | 2,173,198 | |
| Other Income Or Grants | ||||||||||||||
| Cost Of Sales | 1,918 | 4,516 | 76,351 | 651,500 | 683,345 | 589,960 | 710,311 | 605,400 | 609,046 | 588,487 | 623,782 | 651,344 | 785,619 | |
| Gross Profit | -42,076 | 4,113,400 | 3,793,931 | 3,354,304 | 3,142,646 | 3,259,526 | 2,792,424 | 2,610,927 | 2,289,884 | 2,125,339 | 1,833,707 | 1,926,224 | 1,387,579 | |
| Admin Expenses | 854,429 | 2,366,205 | 3,415,617 | 1,917,718 | 1,788,773 | 1,759,467 | 1,698,347 | 1,450,979 | 1,445,560 | 1,239,714 | 1,117,405 | 1,097,206 | 941,096 | |
| Operating Profit | -896,505 | 1,747,195 | 378,314 | 1,436,586 | 1,353,873 | 1,500,059 | 1,094,077 | 1,159,948 | 844,324 | 885,625 | 716,302 | 829,018 | 446,483 | |
| Interest Payable | 96 | 11,109 | 400 | 14,275 | 11,259 | 11,258 | 11,258 | 5,629 | 500 | 1,068 | ||||
| Interest Receivable | 248 | 1,099 | 7,963 | 6,632 | 4,232 | 1,734 | 4,347 | 3,181 | 2,256 | 2,951 | 457 | 460 | ||
| Pre-Tax Profit | -1,089,269 | 1,736,132 | 414,013 | 1,443,328 | 1,349,246 | 1,493,033 | 1,084,553 | 1,158,666 | 847,005 | 887,881 | 719,253 | 828,407 | 446,943 | |
| Tax | 140,885 | -332,112 | -274,961 | -278,162 | -236,523 | -287,435 | -218,881 | -242,316 | -180,018 | -198,835 | -177,135 | -202,629 | -101,205 | |
| Profit After Tax | -948,384 | 1,404,020 | 139,052 | 1,165,166 | 1,112,723 | 1,205,598 | 865,672 | 916,350 | 666,987 | 689,046 | 542,118 | 625,778 | 345,738 | |
| Dividends Paid | 58,333 | 834,945 | 108,333 | 670,153 | 765,865 | 649,127 | 468,522 | 646,276 | 477,448 | 491,113 | 618,700 | 303,461 | ||
| Retained Profit | -948,384 | 1,345,687 | -695,893 | 1,056,833 | 442,570 | 439,733 | 216,545 | 447,828 | 20,711 | 211,598 | 51,005 | 7,078 | 42,277 | |
| Employee Costs | 298,506 | 1,523,787 | 1,519,826 | 1,024,592 | 982,920 | 1,012,735 | 959,617 | 790,596 | 738,556 | 601,478 | 518,221 | 579,395 | 500,060 | |
| Number Of Employees | 1 | 26 | 26 | 25 | 24 | 24 | 24 | 23 | 22 | 22 | 19 | 23 | 20 | |
| EBITDA* | -742,871 | 1,845,186 | 481,520 | 1,546,984 | 1,456,761 | 1,596,537 | 1,195,655 | 1,187,083 | 926,415 | 952,212 | 760,254 | 865,974 | 476,048 |
* Earnings Before Interest, Tax, Depreciation and Amortisation
| Dec 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 | 11,671 | 40,975 | 56,393 | 74,405 | 101,212 | 239,899 | 225,445 | 238,974 | 263,154 | 289,739 | 127,677 | 144,517 | 134,599 | 117,336 |
| Intangible Assets | 316,527 | 399,100 | 481,673 | 564,246 | 650,259 | 732,831 | 608,972 | |||||||
| Investments & Other | 485,202 | 450,000 | 436,946 | |||||||||||
| Debtors (Due After 1 year) | 22,579 | |||||||||||||
| Total Fixed Assets | 34,250 | 357,502 | 940,695 | 1,006,078 | 1,102,404 | 890,158 | 958,276 | 847,946 | 263,154 | 289,739 | 127,677 | 144,517 | 134,599 | 117,336 |
| Stock & work in progress | ||||||||||||||
| Trade Debtors | 39,619 | 68,426 | 120,980 | 137,341 | 61,410 | 103,245 | 250,227 | 48,506 | 59,709 | 90,490 | 101,355 | 110,014 | 119,799 | |
| Group Debtors | 3,574,921 | 2,792,621 | ||||||||||||
| Misc Debtors | 13,823 | 171,691 | 1,351,427 | 868,478 | 52,945 | 23,221 | 201,530 | 165,200 | 16,968 | 3,483 | 10,052 | 5,247 | 3,209 | |
| Cash | 187,676 | 1,249,525 | 1,522,597 | 1,669,198 | 1,346,184 | 1,270,414 | 548,682 | 225,088 | 498,682 | 453,061 | 311,321 | 241,443 | 230,850 | 227,517 |
| misc current assets | ||||||||||||||
| total current assets | 3,776,420 | 4,253,456 | 2,942,450 | 2,658,656 | 1,536,470 | 1,355,045 | 853,457 | 640,515 | 564,156 | 516,253 | 411,863 | 348,045 | 344,073 | 347,316 |
| total assets | 3,810,670 | 4,610,958 | 3,883,145 | 3,664,734 | 2,638,874 | 2,245,203 | 1,811,733 | 1,488,461 | 827,310 | 805,992 | 539,540 | 492,562 | 478,672 | 464,652 |
| Bank overdraft | 50,003 | 50,003 | ||||||||||||
| Bank loan | 50,003 | 50,003 | ||||||||||||
| Trade Creditors | 2,636 | 27,818 | 52,778 | 56,614 | 180,466 | 205,937 | 35,408 | 42,144 | 77,884 | 52,879 | 35,172 | 39,785 | 288,032 | |
| Group/Directors Accounts | 759,800 | 13 | 13 | 563 | 405 | 2,916 | ||||||||
| other short term finances | ||||||||||||||
| hp & lease commitments | ||||||||||||||
| other current liabilities | 247,049 | 631,191 | 1,004,443 | 509,545 | 461,691 | 320,420 | 256,147 | 270,438 | 284,869 | 238,016 | 197,148 | 225,261 | 218,201 | |
| total current liabilities | 1,006,849 | 633,827 | 1,032,261 | 562,323 | 568,308 | 550,889 | 512,100 | 355,862 | 327,576 | 316,305 | 250,027 | 260,433 | 257,986 | 290,948 |
| loans | 24,988 | 74,991 | 124,994 | 174,997 | ||||||||||
| hp & lease commitments | ||||||||||||||
| Accruals and Deferred Income | ||||||||||||||
| other liabilities | 224,926 | 444,366 | ||||||||||||
| provisions | 16,315 | 11,364 | 10,872 | 832 | 11,496 | 22,920 | 16,541 | 12,176 | 7,471 | |||||
| total long term liabilities | 224,926 | 444,366 | 24,988 | 91,306 | 136,358 | 185,869 | 832 | 11,496 | 22,920 | 16,541 | 12,176 | 7,471 | ||
| total liabilities | 1,006,849 | 858,753 | 1,476,627 | 562,323 | 593,296 | 642,195 | 648,458 | 541,731 | 328,408 | 327,801 | 272,947 | 276,974 | 270,162 | 298,419 |
| net assets | 2,803,821 | 3,752,205 | 2,406,518 | 3,102,411 | 2,045,578 | 1,603,008 | 1,163,275 | 946,730 | 498,902 | 478,191 | 266,593 | 215,588 | 208,510 | 166,233 |
| total shareholders funds | 2,803,821 | 3,752,205 | 2,406,518 | 3,102,411 | 2,045,578 | 1,603,008 | 1,163,275 | 946,730 | 498,902 | 478,191 | 266,593 | 215,588 | 208,510 | 166,233 |
| Dec 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 | -896,505 | 1,747,195 | 378,314 | 1,436,586 | 1,353,873 | 1,500,059 | 1,094,077 | 1,159,948 | 844,324 | 885,625 | 716,302 | 829,018 | 446,483 | |
| Depreciation | 29,775 | 15,418 | 20,633 | 27,825 | 16,875 | 13,906 | 19,006 | 27,135 | 82,091 | 66,587 | 43,952 | 36,956 | 29,565 | 39,240 |
| Amortisation | 123,859 | 82,573 | 82,573 | 82,573 | 86,013 | 82,572 | 82,572 | |||||||
| Tax | 140,885 | -332,112 | -274,961 | -278,162 | -236,523 | -287,435 | -218,881 | -242,316 | -180,018 | -198,835 | -177,135 | -202,629 | -101,205 | |
| Stock | ||||||||||||||
| Debtors | 607,392 | 1,584,078 | 430,395 | 799,172 | 105,655 | -220,144 | -110,652 | 349,953 | 2,282 | -37,350 | -6,060 | -6,621 | -6,576 | 119,799 |
| Creditors | -2,636 | -25,182 | -24,960 | -3,836 | -123,852 | -25,471 | 170,529 | -6,736 | -35,740 | 25,005 | 17,707 | -4,613 | -248,247 | 288,032 |
| Accruals and Deferred Income | -384,142 | -373,252 | 494,898 | 47,854 | 141,271 | 64,273 | -14,291 | -14,431 | 46,853 | 40,868 | -28,113 | 7,060 | 218,201 | |
| Deferred Taxes & Provisions | -16,315 | 4,951 | 492 | 10,040 | -10,664 | -11,424 | 6,379 | 4,365 | 4,705 | 7,471 | ||||
| Cash flow from operations | -1,596,156 | -469,438 | 246,102 | 513,668 | 1,115,687 | 1,572,999 | 1,244,156 | 583,687 | 744,564 | 845,176 | 585,152 | 676,778 | 356,078 | |
| Investing Activities | ||||||||||||||
| capital expenditure | -329,318 | -28,360 | -211,908 | -560,676 | -52,830 | -228,649 | -27,112 | -46,874 | -46,828 | |||||
| Change in Investments | -485,202 | 35,202 | 13,054 | 436,946 | ||||||||||
| cash flow from investments | 485,202 | -35,202 | -13,054 | -766,264 | -28,360 | -211,908 | -560,676 | -52,830 | -228,649 | -27,112 | -46,874 | -46,828 | ||
| Financing Activities | ||||||||||||||
| Bank loans | -50,003 | 50,003 | ||||||||||||
| Group/Directors Accounts | 759,800 | -13 | -550 | 158 | 405 | -2,916 | 2,916 | |||||||
| Other Short Term Loans | ||||||||||||||
| Long term loans | -24,988 | -50,003 | -50,003 | -50,003 | 174,997 | |||||||||
| Hire Purchase and Lease Commitments | ||||||||||||||
| other long term liabilities | -224,926 | -219,440 | 444,366 | |||||||||||
| share issue | ||||||||||||||
| interest | -96 | -10,861 | 699 | -6,312 | -4,627 | -7,026 | -9,524 | -1,282 | 2,681 | 2,256 | 2,951 | -611 | 460 | |
| cash flow from financing | 534,778 | -230,301 | 445,065 | -81,303 | -54,630 | -7,039 | -59,527 | 173,165 | 2,839 | 2,661 | 2,951 | -611 | -2,456 | |
| cash and cash equivalents | ||||||||||||||
| cash | -1,061,849 | -273,072 | -146,601 | 323,014 | 75,770 | 721,732 | 323,594 | -273,594 | 45,621 | 141,740 | 69,878 | 10,593 | 3,333 | 227,517 |
| overdraft | -50,003 | 50,003 | ||||||||||||
| change in cash | -1,061,849 | -273,072 | -146,601 | 323,014 | 75,770 | 771,735 | 323,594 | -323,597 | 45,621 | 141,740 | 69,878 | 10,593 | 3,333 | 227,517 |
joseph r. lamb independent financial advisers limited Credit Report and Business Information
Joseph R. Lamb Independent Financial Advisers Limited Competitor Analysis
Perform a competitor analysis for joseph r. lamb independent financial advisers limited by selecting its closest rivals, whether from the FINANCIAL AND INSURANCE ACTIVITIES sector, other micro companies, companies in SS6 area or any other competitors across 12 key performance metrics.
joseph r. lamb independent financial advisers limited Ownership
JOSEPH R. LAMB INDEPENDENT FINANCIAL ADVISERS LIMITED group structure
Joseph R. Lamb Independent Financial Advisers Limited has 1 subsidiary company.
Ultimate parent company
KINGSWOOD HOLDINGS LTD
#0112362
1 parent
JOSEPH R. LAMB INDEPENDENT FINANCIAL ADVISERS LIMITED
03928438
1 subsidiary
joseph r. lamb independent financial advisers limited directors
Joseph R. Lamb Independent Financial Advisers Limited currently has 2 directors. The longest serving directors include Mr Paul Hammick (May 2023) and Mr Peter Coleman (Aug 2024).
| officer | country | age | start | end | role |
|---|---|---|---|---|---|
| Mr Paul Hammick | England | 51 years | May 2023 | - | Director |
| Mr Peter Coleman | England | 55 years | Aug 2024 | - | Director |
P&L
December 2023turnover
-40.2k
-101%
operating profit
-896.5k
-151%
gross margin
104.8%
+4.89%
turnover
Turnover, or revenue, is the amount of sales generated by a company within the financial year.
Balance Sheet
December 2023net assets
2.8m
-0.25%
total assets
3.8m
-0.17%
cash
187.7k
-0.85%
net assets
Total assets minus all liabilities
joseph r. lamb independent financial advisers limited company details
company number
03928438
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
February 2000
age
25
incorporated
UK
ultimate parent company
accounts
Full Accounts
last accounts submitted
December 2023
previous names
wiseoak limited (March 2000)
accountant
-
auditor
KIRK RICE LLP
address
chillingstone house, 26 eastwood road, rayleigh, essex, SS6 7JQ
Bank
CATER ALLEN PRIVATE BANK
Legal Advisor
-
joseph r. lamb independent financial advisers limited Charges & Mortgages
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 did not find charges/mortgages relating to joseph r. lamb independent financial advisers limited.
joseph r. lamb independent financial advisers 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.
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joseph r. lamb independent financial advisers limited Companies House Filings - See Documents
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