Complete Financial Services Limited

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complete financial services limited Company Information

Live

MatureMicroDeclining

Company Number

04372742

Website

completefinancialservices.co.uk

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

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Directors

Joshua Bove5 Years

Roy Brand5 Years

View All

Shareholders

cfs wealth planning limited 100%

complete financial services limited Estimated Valuation

£1.1k

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).

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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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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

Health Rating0.5out of 5

0 Strong

1 Regular

6 Weak

Size

annual sales of £1.2k, make it smaller than the average company (£4.4m)

Growth

3 year (CAGR) sales growth of -1%, show it is growing at a slower rate (4.2%)

EXPORT

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	1,192	1,148	1,203	1,241	280,623	757,093	286,643	317,959	141,645	1,112,018	268,656	142,220	146,700	95,148	107,516
Other Income Or Grants	0	0	0	0	0	0	0	0	0	0	0	0	0	0	0
Cost Of Sales	950	871	907	894	204,523	542,183	194,170	218,304	97,156	775,137	190,567	100,624	104,956	69,253	82,556
Gross Profit	242	277	295	347	76,101	214,910	92,473	99,655	44,489	336,881	78,090	41,596	41,744	25,895	24,960
Admin Expenses	242	277	295	9,475	501,817	217,575	-54,406	100,473	56,247	124,371	32,124	-6,228	14,266	11,770	-64,984
Operating Profit	0	0	0	-9,128	-425,716	-2,665	146,879	-818	-11,758	212,510	45,966	47,824	27,478	14,125	89,944
Interest Payable	0	0	0	0	0	0	0	0	0	0	0	665	1,936	3,638	2,367
Interest Receivable	0	0	0	0	0	0	0	0	0	0	8	19	15	64	60
Pre-Tax Profit	0	0	0	-9,128	-425,716	-2,665	146,879	-818	-11,758	212,510	45,974	47,179	25,558	10,551	87,638
Tax	0	0	0	0	0	0	-27,907	0	0	-44,627	-10,574	-11,323	-6,645	-2,954	-24,538
Profit After Tax	0	0	0	-9,128	-425,716	-2,665	118,972	-818	-11,758	167,883	35,400	35,856	18,913	7,597	63,099
Dividends Paid	0	0	0	0	0	0	0	0	0	0	0	0	0	0	0
Retained Profit	0	0	0	-9,128	-425,716	-2,665	118,972	-818	-11,758	167,883	35,400	35,856	18,913	7,597	63,099
Employee Costs	75,887	71,393	69,047	68,871	136,769	133,941	131,405	126,175	60,725	174,679	59,260	57,646	55,994	55,936	56,300
Number Of Employees	1	1	1	1	2	2	2	2	1	3	1	1	1	1	1
EBITDA*	0	0	0	-9,128	-425,716	-2,665	146,879	-818	-11,758	212,510	70,635	73,304	52,802	36,498	113,542

* 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	0	0	0	-9,128	-425,716	-2,665	146,879	-818	-11,758	212,510	45,966	47,824	27,478	14,125	89,944
Depreciation	0	0	0	0	0	0	0	0	0	0	1,442	2,253	2,097	2,373	3,598
Amortisation	0	0	0	0	0	0	0	0	0	0	23,227	23,227	23,227	20,000	20,000
Tax	0	0	0	0	0	0	-27,907	0	0	-44,627	-10,574	-11,323	-6,645	-2,954	-24,538
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	0	0	0	-9,428	-13,698	-13,601	-20,314	-11,265	-16	38,547	31,634	48,768	-6,541	26,722	45,473
Investing Activities
capital expenditure	0	0	0	9,428	13,698	13,601	20,314	20,371	23,662	24,305	0	-2,105	-16,664	-1,457	-212,996
Change in Investments	0	0	0	0	0	0	0	0	0	0	0	0	0	0	0
cash flow from investments	0	0	0	9,428	13,698	13,601	20,314	20,371	23,662	24,305	0	-2,105	-16,664	-1,457	-212,996
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	0	0	0	0	0	0	0	0	0	-300	0	0	0	0	300
interest	0	0	0	0	0	0	0	0	0	0	8	-646	-1,921	-3,574	-2,307
cash flow from financing	0	0	0	0	0	0	0	-9,106	-23,646	-62,852	-34,866	-47,956	26,117	-47,827	191,696
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

Very Low Risk70 - 100

Low Risk50 - 70

Moderate Risk30 - 50

High Risk20 - 30

Very High Risk0 - 20

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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 group structure

Complete Financial Services Limited has no subsidiary companies.

Ultimate parent company

COMPLETE FINANCIAL SERVICES LIMITED

04372742

COMPLETE FINANCIAL SERVICES LIMITED Shareholders

cfs wealth planning limited

100%

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	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 2023

turnover

1.2k

+4%

operating profit

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 2023

net assets

300

total assets

300

cash

net assets

Total assets minus all liabilities

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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

ultimate parent company

None

previous names

N/A

address

15 - 17 osborns court, olney, buckinghamshire, MK46 4LA

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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complete financial services limited Company Information

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complete financial services limited Estimated Valuation

complete financial services limited Estimated Valuation

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