Gresham Financial Limited

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gresham financial limited Company Information

Company Number

04482993

Next Accounts

Dec 2025

Directors

Nicholas Gresham Thompson

Susan Sullivan

Shareholders

nicholas gresham thompson

barry michael patrick lynch

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Group Structure

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Industry

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

Registered Address

10 st ann street, salisbury, wiltshire, SP1 2DN

Website

www.greshamfinancial.co.uk

gresham financial limited Estimated Valuation

£681.7k

Pomanda estimates the enterprise value of GRESHAM FINANCIAL LIMITED at £681.7k based on a Turnover of £544.1k and 1.25x industry multiple (adjusted for size and gross margin).

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Gresham Financial Limited is a live company located in wiltshire, SP1 2DN with a Companies House number of 04482993. It operates in the financial intermediation not elsewhere classified sector, SIC Code 64999. Founded in July 2002, it's largest shareholder is nicholas gresham thompson with a 50% stake. Gresham Financial Limited is a mature, small sized company, Pomanda has estimated its turnover at £544.1k with healthy growth in recent years.

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Pomanda's financial health check has awarded Gresham Financial Limited a 4 rating. We use a traffic light system to show it exceeds the industry average on 4 measures and has 5 areas for improvement. Company Health Check FAQs

Health Rating4out of 5

4 Strong

3 Regular

5 Weak

Size

annual sales of £544.1k, make it smaller than the average company (£5.3m)

Growth

3 year (CAGR) sales growth of 6%, show it is growing at a similar rate (6.7%)

EXPORT

Gresham Financial Limited's latest turnover from March 2024 is estimated at £544.1 thousand and the company has net assets of £248.8 thousand. According to their latest financial statements, Gresham Financial Limited has 5 employees and maintains cash reserves of £183.3 thousand as reported in the balance sheet.

Data source: Companies House, Pomanda Estimates

	Mar 2024	Mar 2023	Mar 2022	Mar 2021	Mar 2020	Mar 2019	Mar 2018	Mar 2017	Mar 2016	Mar 2015	Mar 2014	Mar 2013	Mar 2012	Mar 2011	Mar 2010
Turnover	544,065	504,655	574,994	459,409	483,956	508,639	925,221	945,993	453,921	670,802	636,565	499,727	590,183	377,701	308,436
Other Income Or Grants
Cost Of Sales	241,582	211,557	230,330	184,406	186,894	200,294	366,949	362,462	157,622	230,019	233,676	190,308	231,595	151,715	138,287
Gross Profit	302,483	293,099	344,665	275,002	297,062	308,345	558,272	583,531	296,299	440,784	402,889	309,419	358,588	225,985	170,149
Admin Expenses	323,403	333,506	299,949	347,341	238,684	302,657	582,162	484,806	207,061	402,029	349,836	299,975	331,609	207,788	164,816
Operating Profit	-20,920	-40,407	44,716	-72,339	58,378	5,688	-23,890	98,725	89,238	38,755	53,053	9,444	26,979	18,197	5,333
Interest Payable
Interest Receivable	9,182	7,517	1,391	250	274	1,613	1,040	499	725	463	282	127	49	10
Pre-Tax Profit	-11,738	-32,890	46,107	-72,089	58,652	7,301	-22,850	99,224	89,963	39,218	53,335	9,571	27,028	18,207	5,333
Tax			-8,760		-11,144	-1,387		-19,845	-17,992	-8,236	-12,267	-2,297	-7,027	-5,098	-1,493
Profit After Tax	-11,738	-32,890	37,347	-72,089	47,508	5,914	-22,850	79,379	71,970	30,982	41,068	7,274	20,001	13,109	3,840
Dividends Paid
Retained Profit	-11,738	-32,890	37,347	-72,089	47,508	5,914	-22,850	79,379	71,970	30,982	41,068	7,274	20,001	13,109	3,840
Employee Costs	398,592	370,120	366,225	343,263	347,126	341,662	329,900	251,033	182,432	233,032	237,096	172,770	167,596	167,741	113,300
Number Of Employees	5	5	5	5	5	5	5	4	3	4	4	3	3	3	2
EBITDA*	10,684	-6,995	63,855	-50,683	62,692	13,957	-18,348	104,267	91,973	41,469	55,158	10,549	29,481	20,013	6,913

* Earnings Before Interest, Tax, Depreciation and Amortisation

	Mar 2024	Mar 2023	Mar 2022	Mar 2021	Mar 2020	Mar 2019	Mar 2018	Mar 2017	Mar 2016	Mar 2015	Mar 2014	Mar 2013	Mar 2012	Mar 2011	Mar 2010
Tangible Assets	60,554	89,878	35,781	50,992	4,499	8,102	7,435	9,796	6,564	2,594	3,910	1,874	787	2,098	1,266
Intangible Assets
Investments & Other
Debtors (Due After 1 year)						1,666
Total Fixed Assets	60,554	89,878	35,781	50,992	4,499	9,768	7,435	9,796	6,564	2,594	3,910	1,874	787	2,098	1,266
Stock & work in progress	1,500	1,500	1,500	1,500
Trade Debtors	7,591	8,242	21,836	4,782	4,698	11,253	119,622	152,776	61,782	90,686	86,264	69,210	81,059	55,936	47,452
Group Debtors
Misc Debtors	99,682	105,098	126,443	107,440	96,037	97,195	2,050	1,215	15,644
Cash	183,295	166,480	187,261	183,655	317,121	230,426	199,639	216,178	182,812	107,174	77,909	35,041	15,950	3,785	97
misc current assets
total current assets	292,068	281,320	337,040	297,377	417,856	338,874	321,311	370,169	260,238	197,860	164,173	104,251	97,009	59,721	47,549
total assets	352,622	371,198	372,821	348,369	422,355	348,642	328,746	379,965	266,802	200,454	168,083	106,125	97,796	61,819	48,815
Bank overdraft
Bank loan
Trade Creditors	4,617	3,514	6,103	8,740	4,822	4,380	1,074	5,482	4,978	48,781	47,392	26,398	25,343	8,868	8,868
Group/Directors Accounts
other short term finances
hp & lease commitments	24,061
other current liabilities	59,980	33,218	66,873	73,835	88,573	62,076	52,899	76,860	43,580
total current liabilities	88,658	36,732	72,976	82,575	93,395	66,456	53,973	82,342	48,558	48,781	47,392	26,398	25,343	8,868	8,868
loans
hp & lease commitments		52,934
Accruals and Deferred Income
other liabilities
provisions	15,139	20,969	6,392	9,688	765	1,499				5,399	5,399	5,503	5,503	6,002	6,107
total long term liabilities	15,139	73,903	6,392	9,688	765	1,499				5,399	5,399	5,503	5,503	6,002	6,107
total liabilities	103,797	110,635	79,368	92,263	94,160	67,955	53,973	82,342	48,558	54,180	52,791	31,901	30,846	14,870	14,975
net assets	248,825	260,563	293,453	256,106	328,195	280,687	274,773	297,623	218,244	146,274	115,292	74,224	66,950	46,949	33,840
total shareholders funds	248,825	260,563	293,453	256,106	328,195	280,687	274,773	297,623	218,244	146,274	115,292	74,224	66,950	46,949	33,840

	Mar 2024	Mar 2023	Mar 2022	Mar 2021	Mar 2020	Mar 2019	Mar 2018	Mar 2017	Mar 2016	Mar 2015	Mar 2014	Mar 2013	Mar 2012	Mar 2011	Mar 2010
Operating Activities
Operating Profit	-20,920	-40,407	44,716	-72,339	58,378	5,688	-23,890	98,725	89,238	38,755	53,053	9,444	26,979	18,197	5,333
Depreciation	31,604	33,412	19,139	21,656	4,314	8,269	5,542	5,542	2,735	2,714	2,105	1,105	2,502	1,816	1,580
Amortisation
Tax			-8,760		-11,144	-1,387		-19,845	-17,992	-8,236	-12,267	-2,297	-7,027	-5,098	-1,493
Stock				1,500
Debtors	-6,067	-34,939	36,057	11,487	-9,379	-11,558	-32,319	76,565	-13,260	4,422	17,054	-11,849	25,123	8,484	47,452
Creditors	1,103	-2,589	-2,637	3,918	442	3,306	-4,408	504	-43,803	1,389	20,994	1,055	16,475		8,868
Accruals and Deferred Income	26,762	-33,655	-6,962	-14,738	26,497	9,177	-23,961	33,280	43,580
Deferred Taxes & Provisions	-5,830	14,577	-3,296	8,923	-734	1,499			-5,399		-104		-499	-105	6,107
Cash flow from operations	38,786	6,277	6,143	-65,567	87,132	38,110	-14,398	41,641	81,619	30,200	46,727	21,156	13,307	6,326	-27,057
Investing Activities
capital expenditure	-2,280	-87,509	-3,928	-68,149	-711	-8,936	-3,181	-8,774	-6,705	-1,398	-4,141	-2,192	-1,191	-2,648	-2,846
Change in Investments
cash flow from investments	-2,280	-87,509	-3,928	-68,149	-711	-8,936	-3,181	-8,774	-6,705	-1,398	-4,141	-2,192	-1,191	-2,648	-2,846
Financing Activities
Bank loans
Group/Directors Accounts
Other Short Term Loans
Long term loans
Hire Purchase and Lease Commitments	-28,873	52,934
other long term liabilities
share issue															30,000
interest	9,182	7,517	1,391	250	274	1,613	1,040	499	725	463	282	127	49	10
cash flow from financing	-19,691	60,451	1,391	250	274	1,613	1,040	499	725	463	282	127	49	10	30,000
cash and cash equivalents
cash	16,815	-20,781	3,606	-133,466	86,695	30,787	-16,539	33,366	75,638	29,265	42,868	19,091	12,165	3,688	97
overdraft
change in cash	16,815	-20,781	3,606	-133,466	86,695	30,787	-16,539	33,366	75,638	29,265	42,868	19,091	12,165	3,688	97

Very Low Risk70 - 100

Low Risk50 - 70

Moderate Risk30 - 50

High Risk20 - 30

Very High Risk0 - 20

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GRESHAM FINANCIAL LIMITED group structure

Gresham Financial Limited has no subsidiary companies.

Ultimate parent company

GRESHAM FINANCIAL LIMITED

04482993

GRESHAM FINANCIAL LIMITED Shareholders

nicholas gresham thompson	50%
barry michael patrick lynch	12.5%
clausentum limited	12.5%
mount spinale limited	12.5%
taxagentia limited	12.5%

Gresham Financial Limited currently has 2 directors. The longest serving directors include Mr Nicholas Gresham Thompson (Jul 2002) and Ms Susan Sullivan (Jul 2002).

officer	country	age	start	end	role
Mr Nicholas Gresham Thompson		63 years	Jul 2002	-	Director
Ms Susan Sullivan	United Kingdom	71 years	Jul 2002	-	Director

P&L

March 2024

turnover

544.1k

+8%

operating profit

-20.9k

gross margin

55.6%

-4.27%

turnover

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

Balance Sheet

March 2024

net assets

248.8k

-0.05%

total assets

352.6k

-0.05%

cash

183.3k

+0.1%

net assets

Total assets minus all liabilities

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company number

04482993

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

July 2002

ultimate parent company

None

previous names

N/A

address

10 st ann street, salisbury, wiltshire, SP1 2DN

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gresham financial limited Company Information

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gresham financial limited Estimated Valuation

gresham financial limited Estimated Valuation

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