H C I Financial Services Limited

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h c i financial services limited Company Information

Live

MatureMidRapid

Company Number

04188959

Next Accounts

Sep 2025

Industry

Other financial service activities, except insurance and pension funding, (not including security dealing on own account and factoring) n.e.c.

Directors

Roger Taylor

Richard Challis

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Shareholders

r m t acquisitions limited

Group Structure

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Contact

Registered Address

cambrian house, lakeside business village, ewloe, deeside, flintshire, CH5 3XA

Website

www.hcifs.com

h c i financial services limited Estimated Valuation

£11.4m

Pomanda estimates the enterprise value of H C I FINANCIAL SERVICES LIMITED at £11.4m based on a Turnover of £7.4m and 1.56x industry multiple (adjusted for size and gross margin).

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H C I Financial Services Limited is a live company located in ewloe, deeside, CH5 3XA with a Companies House number of 04188959. It operates in the financial intermediation not elsewhere classified sector, SIC Code 64999. Founded in March 2001, it's largest shareholder is r m t acquisitions limited with a 100% stake. H C I Financial Services Limited is a mature, mid sized company, Pomanda has estimated its turnover at £7.4m with rapid growth in recent years.

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Pomanda's financial health check has awarded H C I Financial Services Limited a 2.5 rating. We use a traffic light system to show it exceeds the industry average on 3 measures and has 4 areas for improvement. Company Health Check FAQs

Health Rating2.5out of 5

3 Strong

3 Regular

4 Weak

Size

annual sales of £7.4m, make it larger than the average company (£5.5m)

Growth

3 year (CAGR) sales growth of 227%, show it is growing at a faster rate (4.9%)

EXPORT

H C I Financial Services Limited's latest turnover from December 2023 is estimated at £7.4 million and the company has net assets of £893.2 thousand. According to their latest financial statements, H C I Financial Services Limited has 42 employees and maintains cash reserves of £297.6 thousand as reported in the balance sheet.

Data source: Companies House, Pomanda Estimates

	Dec 2023	Dec 2022	Dec 2021	Dec 2020	Dec 2019	Dec 2018	Dec 2017	Dec 2016	Dec 2015	Dec 2014	Dec 2013	Dec 2012	Dec 2011	Dec 2010	Dec 2009
Turnover	7,361,589	7,329,318	3,061,900	209,974	327,077	484,384	473,886	34,312	29,717	831,856	809,061	722,460	552,294	112,645	0
Other Income Or Grants	0	0	0	0	0	0	0	0	0	0	0	0	0	0	0
Cost Of Sales	3,417,333	3,248,770	1,299,715	91,501	142,818	208,381	200,845	13,303	10,472	315,284	316,225	300,919	241,072	51,842	0
Gross Profit	3,944,256	4,080,548	1,762,185	118,473	184,259	276,003	273,040	21,010	19,245	516,571	492,836	421,541	311,222	60,803	0
Admin Expenses	3,794,989	4,049,746	909,278	107,081	185,456	323,018	270,246	10,610	12,167	507,326	488,821	441,503	354,634	83,074	-213,448
Operating Profit	149,267	30,802	852,907	11,392	-1,197	-47,015	2,794	10,400	7,078	9,245	4,015	-19,962	-43,412	-22,271	213,448
Interest Payable	0	0	0	0	4,025	8,269	7,081	5,921	3,164	0	0	0	0	0	0
Interest Receivable	12,138	6,093	231	5	1,735	5,666	2,673	74	169	97	128	162	342	469	209
Pre-Tax Profit	161,405	36,895	853,138	11,398	-3,488	-49,617	-1,614	4,553	4,083	9,342	4,143	-19,800	-43,070	-21,802	213,657
Tax	-40,351	-7,010	-162,096	-2,166	0	0	0	-910	-816	-1,962	-953	0	0	0	-59,824
Profit After Tax	121,054	29,885	691,042	9,232	-3,488	-49,617	-1,614	3,642	3,266	7,380	3,190	-19,800	-43,070	-21,802	153,833
Dividends Paid	0	0	0	0	0	0	0	0	0	0	0	0	0	0	0
Retained Profit	121,054	29,885	691,042	9,232	-3,488	-49,617	-1,614	3,642	3,266	7,380	3,190	-19,800	-43,070	-21,802	153,833
Employee Costs	3,472,850	3,391,904	1,071,907	73,996	146,642	215,838	205,687	65,954	63,846	307,236	314,039	240,118	181,867	59,349	0
Number Of Employees	42	43	14	1	2	3	3	1	1	5	5	4	3	1	0
EBITDA*	169,865	45,048	861,869	18,967	6,663	-39,061	10,874	18,433	15,263	17,348	11,945	-11,914	-35,207	-13,855	224,289

* Earnings Before Interest, Tax, Depreciation and Amortisation

	Dec 2023	Dec 2022	Dec 2021	Dec 2020	Dec 2019	Dec 2018	Dec 2017	Dec 2016	Dec 2015	Dec 2014	Dec 2013	Dec 2012	Dec 2011	Dec 2010	Dec 2009
Tangible Assets	28,710	45,065	26,096	0	853	1,138	1,517	1,375	1,833	1,581	1,064	1,419	1,892	2,522	2,970
Intangible Assets	11,203	11,826	12,449	7,575	15,150	22,725	30,300	37,875	45,450	53,025	60,600	68,175	75,750	83,325	90,900
Investments & Other	1,388,475	1,388,475	2,306,475	0	0	0	0	0	0	0	0	0	0	0	0
Debtors (Due After 1 year)	740,056	740,056	0	0	0	0	0	0	0	0	0	0	0	0	0
Total Fixed Assets	2,168,444	2,185,422	2,345,020	7,575	16,003	23,863	31,817	39,250	47,283	54,606	61,664	69,594	77,642	85,847	93,870
Stock & work in progress	0	0	0	0	0	0	0	0	0	0	0	0	0	0	0
Trade Debtors	0	0	0	0	0	0	0	0	0	121,375	120,242	102,918	73,246	9,459	44,939
Group Debtors	8,155	8,155	59,727	36,000	0	0	7,572	155,831	131,150	0	0	0	0	0	0
Misc Debtors	115,931	363,709	1,019,785	27,669	28,169	13,271	14,636	13,700	1,119	0	0	0	0	0	789
Cash	297,647	164,749	183,444	1,240	9,234	453,320	1,057,741	11,368	47,718	19,729	19,045	32,271	32,389	104,255	83,432
misc current assets	0	0	0	0	0	0	0	0	0	0	0	0	0	0	0
total current assets	421,733	536,613	1,262,956	64,909	37,403	466,591	1,079,949	180,899	179,987	141,104	139,287	135,189	105,635	113,714	129,160
total assets	2,590,177	2,722,035	3,607,976	72,484	53,406	490,454	1,111,766	220,149	227,270	195,710	200,951	204,783	183,277	199,561	223,030
Bank overdraft	0	0	0	0	0	0	0	0	0	0	0	0	0	0	0
Bank loan	0	0	0	0	0	12,249	12,249	8,564	8,564	0	0	0	0	0	0
Trade Creditors	864	4,958	0	0	2,219	279	2,523	10,548	11,376	52,237	61,656	52,448	84,216	57,430	59,097
Group/Directors Accounts	1,472,866	1,663,442	1,627,096	0	0	318,275	870,162	0	0	0	0	0	0	0	0
other short term finances	0	0	0	0	0	0	0	0	0	0	0	0	0	0	0
hp & lease commitments	0	0	0	0	0	0	0	0	0	0	0	0	0	0	0
other current liabilities	217,165	271,472	775,741	21,232	9,167	7,124	18,226	20,728	25,448	0	0	0	0	0	0
total current liabilities	1,690,895	1,939,872	2,402,837	21,232	11,386	337,927	903,160	39,840	45,388	52,237	61,656	52,448	84,216	57,430	59,097
loans	0	0	0	0	0	107,019	113,481	83,570	88,785	0	0	0	0	0	0
hp & lease commitments	0	0	0	0	0	0	0	0	0	0	0	0	0	0	0
Accruals and Deferred Income	0	0	0	0	0	0	0	0	0	0	0	0	0	0	0
other liabilities	0	0	459,000	0	0	0	0	0	0	53,642	56,844	73,074	0	0	0
provisions	6,049	9,984	3,845	0	0	0	0	0	0	0	0	0	0	0	0
total long term liabilities	6,049	9,984	462,845	0	0	107,019	113,481	83,570	88,785	53,642	56,844	73,074	0	0	0
total liabilities	1,696,944	1,949,856	2,865,682	21,232	11,386	444,946	1,016,641	123,410	134,173	105,879	118,500	125,522	84,216	57,430	59,097
net assets	893,233	772,179	742,294	51,252	42,020	45,508	95,125	96,739	93,097	89,831	82,451	79,261	99,061	142,131	163,933
total shareholders funds	893,233	772,179	742,294	51,252	42,020	45,508	95,125	96,739	93,097	89,831	82,451	79,261	99,061	142,131	163,933

	Dec 2023	Dec 2022	Dec 2021	Dec 2020	Dec 2019	Dec 2018	Dec 2017	Dec 2016	Dec 2015	Dec 2014	Dec 2013	Dec 2012	Dec 2011	Dec 2010	Dec 2009
Operating Activities
Operating Profit	149,267	30,802	852,907	11,392	-1,197	-47,015	2,794	10,400	7,078	9,245	4,015	-19,962	-43,412	-22,271	213,448
Depreciation	19,975	13,623	1,386	0	285	379	505	458	610	528	355	473	630	841	3,266
Amortisation	623	623	7,576	7,575	7,575	7,575	7,575	7,575	7,575	7,575	7,575	7,575	7,575	7,575	7,575
Tax	-40,351	-7,010	-162,096	-2,166	0	0	0	-910	-816	-1,962	-953	0	0	0	-59,824
Stock	0	0	0	0	0	0	0	0	0	0	0	0	0	0	0
Debtors	-247,778	32,408	1,015,843	35,500	14,898	-8,937	-147,323	37,262	10,894	1,133	17,324	29,672	63,787	-36,269	45,728
Creditors	-4,094	4,958	0	-2,219	1,940	-2,244	-8,025	-828	-40,861	-9,419	9,208	-31,768	26,786	-1,667	59,097
Accruals and Deferred Income	-54,307	-504,269	754,509	12,065	2,043	-11,102	-2,502	-4,720	25,448	0	0	0	0	0	0
Deferred Taxes & Provisions	-3,935	6,139	3,845	0	0	0	0	0	0	0	0	0	0	0	0
Cash flow from operations	314,956	-487,542	442,284	-8,853	-4,252	-43,470	147,670	-25,287	-11,860	4,834	2,876	-73,354	-72,208	20,747	177,834
Investing Activities
capital expenditure	-3,620	-32,592	-39,932	853	0	0	-647	0	-862	-1,045	0	0	0	-393	-104,711
Change in Investments	0	-918,000	2,306,475	0	0	0	0	0	0	0	0	0	0	0	0
cash flow from investments	-3,620	885,408	-2,346,407	853	0	0	-647	0	-862	-1,045	0	0	0	-393	-104,711
Financing Activities
Bank loans	0	0	0	0	-12,249	0	3,685	0	8,564	0	0	0	0	0	0
Group/Directors Accounts	-190,576	36,346	1,627,096	0	-318,275	-551,887	870,162	0	0	0	0	0	0	0	0
Other Short Term Loans	0	0	0	0	0	0	0	0	0	0	0	0	0	0	0
Long term loans	0	0	0	0	-107,019	-6,462	29,911	-5,215	88,785	0	0	0	0	0	0
Hire Purchase and Lease Commitments	0	0	0	0	0	0	0	0	0	0	0	0	0	0	0
other long term liabilities	0	-459,000	459,000	0	0	0	0	0	-53,642	-3,202	-16,230	73,074	0	0	0
share issue	0	0	0	0	0	0	0	0	0	0	0	0	0	0	10,100
interest	12,138	6,093	231	5	-2,290	-2,603	-4,408	-5,847	-2,995	97	128	162	342	469	209
cash flow from financing	-178,438	-416,561	2,086,327	5	-439,833	-560,952	899,350	-11,062	40,712	-3,105	-16,102	73,236	342	469	10,309
cash and cash equivalents
cash	132,898	-18,695	182,204	-7,994	-444,086	-604,421	1,046,373	-36,350	27,989	684	-13,226	-118	-71,866	20,823	83,432
overdraft	0	0	0	0	0	0	0	0	0	0	0	0	0	0	0
change in cash	132,898	-18,695	182,204	-7,994	-444,086	-604,421	1,046,373	-36,350	27,989	684	-13,226	-118	-71,866	20,823	83,432

Very Low Risk70 - 100

Low Risk50 - 70

Moderate Risk30 - 50

High Risk20 - 30

Very High Risk0 - 20

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H C I FINANCIAL SERVICES LIMITED group structure

H C I Financial Services Limited has 1 subsidiary company.

Ultimate parent company

R M T ACQUISITIONS LIMITED

11307810

1 parent

H C I FINANCIAL SERVICES LIMITED

04188959

1 subsidiary

CAMBRIAN COMMERCIAL LIMITED

12938399

H C I FINANCIAL SERVICES LIMITED Shareholders

r m t acquisitions limited

100%

H C I Financial Services Limited currently has 4 directors. The longest serving directors include Mr Roger Taylor (Jan 2020) and Mr Richard Challis (Apr 2022).

officer	country	age	start	end	role
Mr Roger Taylor	United Kingdom	79 years	Jan 2020	-	Director
Mr Richard Challis	United Kingdom	38 years	Apr 2022	-	Director
Mr Daniel Potgieter	England	41 years	Apr 2022	-	Director
Mr Jack Taylor	United Kingdom	45 years	Sep 2023	-	Director

P&L

December 2023

turnover

7.4m

operating profit

149.3k

gross margin

53.6%

-3.76%

turnover

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

Balance Sheet

December 2023

net assets

893.2k

+0.16%

total assets

2.6m

-0.05%

cash

297.6k

+0.81%

net assets

Total assets minus all liabilities

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company number

04188959

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

March 2001

ultimate parent company

R M T ACQUISITIONS LIMITED

previous names

hunts cross mortgage & insurance services limited (September 2001)

address

cambrian house, lakeside business village, ewloe, deeside, flintshire, CH5 3XA

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.

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h c i financial services limited Company Information

h c i financial services limited Estimated Valuation

h c i financial services limited Estimated Valuation

h c i financial services limited Estimated Valuation

H C I Financial Services Limited Overview

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H C I FINANCIAL SERVICES LIMITED financials

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