complete financial services limited Company Information
Company Number
04372742
Registered Address
15 - 17 osborns court, olney, buckinghamshire, MK46 4LA
Industry
Other financial service activities, except insurance and pension funding, (not including security dealing on own account and factoring) n.e.c.
Telephone
01234714317
Next Accounts Due
June 2025
Group Structure
View All
Shareholders
cfs wealth planning limited 100%
complete financial services limited Estimated Valuation
Pomanda estimates the enterprise value of COMPLETE FINANCIAL SERVICES LIMITED at £1.1k based on a Turnover of £1.2k and 0.9x industry multiple (adjusted for size and gross margin).
complete financial services limited Estimated Valuation
Pomanda estimates the enterprise value of COMPLETE FINANCIAL SERVICES LIMITED at £0 based on an EBITDA of £0 and a 3.6x industry multiple (adjusted for size and gross margin).
complete financial services limited Estimated Valuation
Pomanda estimates the enterprise value of COMPLETE FINANCIAL SERVICES LIMITED at £602 based on Net Assets of £300 and 2.01x industry multiple (adjusted for liquidity).
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Complete Financial Services Limited Overview
Complete Financial Services Limited is a live company located in buckinghamshire, MK46 4LA with a Companies House number of 04372742. It operates in the financial intermediation not elsewhere classified sector, SIC Code 64999. Founded in February 2002, it's largest shareholder is cfs wealth planning limited with a 100% stake. Complete Financial Services Limited is a mature, micro sized company, Pomanda has estimated its turnover at £1.2k with declining growth in recent years.
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Complete Financial Services Limited Health Check
Pomanda's financial health check has awarded Complete Financial Services Limited a 0.5 rating. We use a traffic light system to show it exceeds the industry average on 0 measures and has 6 areas for improvement. Company Health Check FAQs
0 Strong
1 Regular
6 Weak
Size
annual sales of £1.2k, make it smaller than the average company (£4.4m)
- Complete Financial Services Limited
£4.4m - Industry AVG
Growth
3 year (CAGR) sales growth of -1%, show it is growing at a slower rate (4.2%)
- Complete Financial Services Limited
4.2% - Industry AVG
Production
with a gross margin of 20.3%, this company has a higher cost of product (60.2%)
- Complete Financial Services Limited
60.2% - Industry AVG
Profitability
There is insufficient data available for this Key Performance Indicator!
- Complete Financial Services Limited
- - Industry AVG
Employees
with 1 employees, this is below the industry average (14)
- Complete Financial Services Limited
14 - Industry AVG
Pay Structure
on an average salary of £75.9k, the company has an equivalent pay structure (£75.9k)
- Complete Financial Services Limited
£75.9k - Industry AVG
Efficiency
resulting in sales per employee of £1.2k, this is less efficient (£211.9k)
- Complete Financial Services Limited
£211.9k - Industry AVG
Debtor Days
it gets paid by customers after 91 days, this is later than average (31 days)
- Complete Financial Services Limited
31 days - Industry AVG
Creditor Days
There is insufficient data available for this Key Performance Indicator!
- Complete Financial Services Limited
- - Industry AVG
Stock Days
There is insufficient data available for this Key Performance Indicator!
- Complete Financial Services Limited
- - Industry AVG
Cash Balance
There is insufficient data available for this Key Performance Indicator!
- - Complete Financial Services Limited
- - Industry AVG
Debt Level
There is insufficient data available for this Key Performance Indicator!
- - Complete Financial Services Limited
- - Industry AVG
COMPLETE FINANCIAL SERVICES LIMITED financials
Complete Financial Services Limited's latest turnover from September 2023 is estimated at £1.2 thousand and the company has net assets of £300. According to their latest financial statements, we estimate that Complete Financial Services Limited has 1 employee and maintains cash reserves of 0 as reported in the balance sheet.
Data source: Companies House, Pomanda Estimates
Sep 2023 | Sep 2022 | Sep 2021 | Sep 2020 | Sep 2019 | Mar 2019 | Mar 2018 | Mar 2017 | Mar 2016 | Mar 2015 | Mar 2014 | Mar 2013 | Mar 2012 | Mar 2011 | Mar 2010 | |
---|---|---|---|---|---|---|---|---|---|---|---|---|---|---|---|
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 | 2 | 2 | 2 | 2 | |||||||||||
EBITDA* |
* Earnings Before Interest, Tax, Depreciation and Amortisation
Sep 2023 | Sep 2022 | Sep 2021 | Sep 2020 | Sep 2019 | Mar 2019 | Mar 2018 | Mar 2017 | Mar 2016 | Mar 2015 | Mar 2014 | Mar 2013 | Mar 2012 | Mar 2011 | Mar 2010 | |
---|---|---|---|---|---|---|---|---|---|---|---|---|---|---|---|
Tangible Assets | 0 | 0 | 0 | 0 | 9,428 | 9,525 | 23,126 | 43,440 | 63,811 | 87,473 | 11,991 | 13,433 | 13,581 | 15,149 | 16,065 |
Intangible Assets | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 99,787 | 123,014 | 146,241 | 153,333 | 173,333 |
Investments & Other | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 |
Debtors (Due After 1 year) | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 |
Total Fixed Assets | 0 | 0 | 0 | 0 | 9,428 | 9,525 | 23,126 | 43,440 | 63,811 | 87,473 | 111,778 | 136,447 | 159,822 | 168,482 | 189,398 |
Stock & work in progress | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 |
Trade Debtors | 300 | 300 | 300 | 300 | 122,133 | 447,291 | 123,982 | 161,339 | 49,710 | 428,558 | 97,115 | 46,646 | 45,452 | 29,262 | 31,612 |
Group Debtors | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 |
Misc Debtors | 0 | 0 | 0 | 0 | 0 | 0 | 417,488 | 180,688 | 294,030 | 0 | 168,482 | 179,419 | 189,305 | 117,046 | 117,046 |
Cash | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 3,232 | 4,524 | 1,611 | 24,173 |
misc current assets | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 |
total current assets | 300 | 300 | 300 | 300 | 122,133 | 447,291 | 541,470 | 342,027 | 343,740 | 428,558 | 265,597 | 229,297 | 239,281 | 147,919 | 172,831 |
total assets | 300 | 300 | 300 | 300 | 131,561 | 456,816 | 564,596 | 385,467 | 407,551 | 516,031 | 377,375 | 365,744 | 399,103 | 316,401 | 362,229 |
Bank overdraft | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 |
Bank loan | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 |
Trade Creditors | 0 | 0 | 0 | 0 | 122,133 | 21,779 | 126,894 | 66,737 | 78,429 | 151,578 | 120,336 | 108,993 | 130,929 | 94,948 | 103,989 |
Group/Directors Accounts | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 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 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 |
total current liabilities | 0 | 0 | 0 | 0 | 122,133 | 21,779 | 126,894 | 66,737 | 78,429 | 151,578 | 120,336 | 108,993 | 130,929 | 94,948 | 103,989 |
loans | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 20,449 | 39,105 | 72,829 |
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 | 2,558 | 2,558 | 2,558 | 2,558 | 2,558 | 0 | 0 | 0 | 0 | 0 |
other liabilities | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 9,106 | 32,752 | 95,304 | 130,178 | 157,039 | 110,345 | 120,874 |
provisions | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 468 | 395 | 570 | 808 | 777 | 1,007 | 1,138 |
total long term liabilities | 0 | 0 | 0 | 0 | 0 | 2,558 | 2,558 | 2,558 | 12,132 | 35,705 | 95,874 | 130,986 | 178,265 | 150,457 | 194,841 |
total liabilities | 0 | 0 | 0 | 0 | 122,133 | 24,337 | 129,452 | 69,295 | 90,561 | 187,283 | 216,210 | 239,979 | 309,194 | 245,405 | 298,830 |
net assets | 300 | 300 | 300 | 300 | 9,428 | 432,479 | 435,144 | 316,172 | 316,990 | 328,748 | 161,165 | 125,765 | 89,909 | 70,996 | 63,399 |
total shareholders funds | 300 | 300 | 300 | 300 | 9,428 | 432,479 | 435,144 | 316,172 | 316,990 | 328,748 | 161,165 | 125,765 | 89,909 | 70,996 | 63,399 |
Sep 2023 | Sep 2022 | Sep 2021 | Sep 2020 | Sep 2019 | Mar 2019 | Mar 2018 | Mar 2017 | Mar 2016 | Mar 2015 | Mar 2014 | Mar 2013 | Mar 2012 | Mar 2011 | Mar 2010 | |
---|---|---|---|---|---|---|---|---|---|---|---|---|---|---|---|
Operating Activities | |||||||||||||||
Operating Profit | |||||||||||||||
Depreciation | 0 | 0 | 0 | 0 | 1,442 | 2,253 | 2,097 | 2,373 | 3,598 | ||||||
Amortisation | 0 | 0 | 0 | 0 | 23,227 | 23,227 | 23,227 | 20,000 | 20,000 | ||||||
Tax | |||||||||||||||
Stock | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 |
Debtors | 0 | 0 | 0 | -121,833 | -419,337 | -94,179 | 199,443 | -1,713 | -84,818 | 162,961 | 39,532 | -8,692 | 88,449 | -2,350 | 148,658 |
Creditors | 0 | 0 | 0 | -122,133 | -4,761 | -105,115 | 60,157 | -11,692 | -73,149 | 31,242 | 11,343 | -21,936 | 35,981 | -9,041 | 103,989 |
Accruals and Deferred Income | 0 | 0 | 0 | 0 | -2,558 | 0 | 0 | 0 | 0 | 2,558 | 0 | 0 | 0 | 0 | 0 |
Deferred Taxes & Provisions | 0 | 0 | 0 | 0 | 0 | 0 | 0 | -468 | 73 | -175 | -238 | 31 | -230 | -131 | 1,138 |
Cash flow from operations | |||||||||||||||
Investing Activities | |||||||||||||||
capital expenditure | |||||||||||||||
Change in Investments | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 |
cash flow from investments | |||||||||||||||
Financing Activities | |||||||||||||||
Bank loans | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 |
Group/Directors Accounts | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 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 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | -20,449 | -18,656 | -33,724 | 72,829 |
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 | 0 | 0 | 0 | 0 | 0 | 0 | -9,106 | -23,646 | -62,552 | -34,874 | -26,861 | 46,694 | -10,529 | 120,874 |
share issue | |||||||||||||||
interest | |||||||||||||||
cash flow from financing | |||||||||||||||
cash and cash equivalents | |||||||||||||||
cash | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | -3,232 | -1,292 | 2,913 | -22,562 | 24,173 |
overdraft | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 |
change in cash | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | -3,232 | -1,292 | 2,913 | -22,562 | 24,173 |
complete financial services limited Credit Report and Business Information
Complete Financial Services Limited Competitor Analysis
Perform a competitor analysis for complete financial services limited by selecting its closest rivals, whether from the FINANCIAL AND INSURANCE ACTIVITIES sector, other micro companies, companies in MK46 area or any other competitors across 12 key performance metrics.
complete financial services limited Ownership
COMPLETE FINANCIAL SERVICES LIMITED group structure
Complete Financial Services Limited has no subsidiary companies.
Ultimate parent company
COMPLETE FINANCIAL SERVICES LIMITED
04372742
complete financial services limited directors
Complete Financial Services Limited currently has 3 directors. The longest serving directors include Mr Joshua Bove (Sep 2019) and Mr Roy Brand (Sep 2019).
officer | country | age | start | end | role |
---|---|---|---|---|---|
Mr Joshua Bove | 34 years | Sep 2019 | - | Director | |
Mr Roy Brand | 55 years | Sep 2019 | - | Director | |
Mr Marc Blackwell | 55 years | Sep 2019 | - | Director |
P&L
September 2023turnover
1.2k
+4%
operating profit
0
0%
gross margin
20.3%
-15.91%
turnover
Turnover, or revenue, is the amount of sales generated by a company within the financial year.
Balance Sheet
September 2023net assets
300
0%
total assets
300
0%
cash
0
0%
net assets
Total assets minus all liabilities
complete financial services limited company details
company number
04372742
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 2002
age
22
incorporated
UK
ultimate parent company
accounts
Micro-Entity Accounts
last accounts submitted
September 2023
previous names
N/A
accountant
BURROWS SCARBOROUGH
auditor
-
address
15 - 17 osborns court, olney, buckinghamshire, MK46 4LA
Bank
THE ROYAL BANK OF SCOTLAND PLC
Legal Advisor
-
complete financial services 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 complete financial services limited.
complete financial services limited Companies House Filings - See Documents
date | description | view/download |
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