Bruford & Vallance Insurance Services Limited

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bruford & vallance insurance services limited Company Information

Company Number

04540484

Next Accounts

Mar 2026

Directors

Judy Brown

Jason Mayled

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Shareholders

david john bruford

jane bruford

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Group Structure

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Industry

Activities of insurance agents and brokers

Registered Address

45 st. james street, taunton, somerset, TA1 1JR

Website

www.bruford.co.uk

bruford & vallance insurance services limited Estimated Valuation

£653k

Pomanda estimates the enterprise value of BRUFORD & VALLANCE INSURANCE SERVICES LIMITED at £653k based on a Turnover of £677k and 0.96x industry multiple (adjusted for size and gross margin).

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Bruford & Vallance Insurance Services Limited is a live company located in somerset, TA1 1JR with a Companies House number of 04540484. It operates in the activities of insurance agents and brokers sector, SIC Code 66220. Founded in September 2002, it's largest shareholder is david john bruford with a 30.6% stake. Bruford & Vallance Insurance Services Limited is a mature, small sized company, Pomanda has estimated its turnover at £677k with low growth in recent years.

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Pomanda's financial health check has awarded Bruford & Vallance Insurance Services Limited a 3.5 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

Health Rating3.5out of 5

3 Strong

3 Regular

5 Weak

Size

annual sales of £677k, make it smaller than the average company (£2.7m)

Growth

3 year (CAGR) sales growth of 1%, show it is growing at a slower rate (8.3%)

EXPORT

Bruford & Vallance Insurance Services Limited's latest turnover from June 2024 is estimated at £677 thousand and the company has net assets of £181.2 thousand. According to their latest financial statements, Bruford & Vallance Insurance Services Limited has 8 employees and maintains cash reserves of £358.1 thousand as reported in the balance sheet.

Data source: Companies House, Pomanda Estimates

	Jun 2024	Jun 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	676,998	541,899	520,445	649,236	644,668	619,566	604,305	589,084	571,153	54,409	67,322	60,352	78,254	64,215	110,321
Other Income Or Grants	0	0	0	0	0	0	0	0	0	0	0	0	0	0	0
Cost Of Sales	44,334	21,529	35,812	85,518	77,593	83,016	71,362	68,390	99,394	12,801	17,981	19,485	26,522	16,216	27,799
Gross Profit	632,664	520,370	484,632	563,718	567,075	536,550	532,942	520,695	471,759	41,608	49,341	40,867	51,732	47,999	82,522
Admin Expenses	660,265	536,220	495,468	561,677	565,574	542,222	536,140	516,475	482,135	51,759	56,956	53,198	51,898	45,313	-228,395
Operating Profit	-27,601	-15,850	-10,836	2,041	1,501	-5,672	-3,198	4,220	-10,376	-10,151	-7,615	-12,331	-166	2,686	310,917
Interest Payable	0	0	0	0	0	0	0	0	0	0	0	0	0	0	0
Interest Receivable	18,632	16,494	4,041	352	330	2,149	1,395	674	1,308	1,329	1,362	1,444	1,471	1,351	630
Pre-Tax Profit	-8,969	644	-6,795	2,393	1,831	-3,523	-1,803	4,894	-9,068	-8,822	-6,253	-10,887	1,305	4,036	311,547
Tax	0	-161	0	-455	-348	0	0	-930	0	0	0	0	-313	-1,049	-87,233
Profit After Tax	-8,969	483	-6,795	1,938	1,483	-3,523	-1,803	3,964	-9,068	-8,822	-6,253	-10,887	992	2,987	224,314
Dividends Paid	0	0	0	0	0	0	0	0	0	0	0	0	0	0	0
Retained Profit	-8,969	483	-6,795	1,938	1,483	-3,523	-1,803	3,964	-9,068	-8,822	-6,253	-10,887	992	2,987	224,314
Employee Costs	454,851	389,429	393,059	507,463	484,112	458,542	436,862	431,289	428,421	42,177	40,440	40,488	39,655	39,403	78,013
Number Of Employees	8	8	8	10	10	10	10	10	10	1	1	1	1	1	2
EBITDA*	-23,080	-7,566	5,879	20,864	16,605	9,586	12,494	20,477	4,709	4,607	8,422	5,011	18,048	22,586	330,522

* Earnings Before Interest, Tax, Depreciation and Amortisation

	Jun 2024	Jun 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	25,648	24,082	25,931	14,985	16,500	17,632	20,087	23,656	26,552	5,789	7,906	11,047	14,882	16,457	16,509
Intangible Assets	0	0	4,037	16,160	28,283	40,406	52,529	64,652	76,775	88,898	101,021	113,144	125,267	137,390	149,513
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	25,648	24,082	29,968	31,145	44,783	58,038	72,616	88,308	103,327	94,687	108,927	124,191	140,149	153,847	166,022
Stock & work in progress	0	0	0	0	0	0	0	0	0	0	0	0	0	0	0
Trade Debtors	30,690	13,129	5,774	12,696	8,973	15,833	23,706	15,096	10,153	7,773	11,440	9,107	11,978	10,558	23,841
Group Debtors	0	0	0	0	0	0	0	0	0	0	0	0	0	0	0
Misc Debtors	5,037	3,599	3,332	2,114	3,519	2,322	3,246	1,907	2,229	0	0	0	0	0	0
Cash	358,086	351,722	308,054	338,478	365,081	295,041	278,091	280,054	259,300	263,907	267,752	277,123	300,460	288,051	252,192
misc current assets	0	0	0	0	0	0	0	0	0	0	0	0	0	0	0
total current assets	393,813	368,450	317,160	353,288	377,573	313,196	305,043	297,057	271,682	271,680	279,192	286,230	312,438	298,609	276,033
total assets	419,461	392,532	347,128	384,433	422,356	371,234	377,659	385,365	375,009	366,367	388,119	410,421	452,587	452,456	442,055
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	172,759	147,690	115,792	140,918	146,075	133,414	134,194	129,521	126,183	162,564	175,245	190,879	221,651	222,546	215,232
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	59,554	49,369	35,961	44,326	78,931	42,118	43,530	53,520	49,795	0	0	0	0	0	0
total current liabilities	232,313	197,059	151,753	185,244	225,006	175,532	177,724	183,041	175,978	162,564	175,245	190,879	221,651	222,546	215,232
loans	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
Accruals and Deferred Income	0	0	0	0	0	0	0	0	0	0	0	0	0	0	0
other liabilities	0	0	0	0	0	0	0	0	0	0	0	0	0	0	0
provisions	5,996	5,352	5,737	2,756	2,855	2,690	3,400	3,986	4,657	361	610	1,025	1,532	1,498	1,398
total long term liabilities	5,996	5,352	5,737	2,756	2,855	2,690	3,400	3,986	4,657	361	610	1,025	1,532	1,498	1,398
total liabilities	238,309	202,411	157,490	188,000	227,861	178,222	181,124	187,027	180,635	162,925	175,855	191,904	223,183	224,044	216,630
net assets	181,152	190,121	189,638	196,433	194,495	193,012	196,535	198,338	194,374	203,442	212,264	218,517	229,404	228,412	225,425
total shareholders funds	181,152	190,121	189,638	196,433	194,495	193,012	196,535	198,338	194,374	203,442	212,264	218,517	229,404	228,412	225,425

	Jun 2024	Jun 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	-27,601	-15,850	-10,836	2,041	1,501	-5,672	-3,198	4,220	-10,376	-10,151	-7,615	-12,331	-166	2,686	310,917
Depreciation	4,521	4,247	4,592	2,663	2,981	3,135	3,569	4,134	2,962	2,635	3,914	5,219	6,091	7,777	7,482
Amortisation	0	4,037	12,123	16,160	12,123	12,123	12,123	12,123	12,123	12,123	12,123	12,123	12,123	12,123	12,123
Tax	0	-161	0	-455	-348	0	0	-930	0	0	0	0	-313	-1,049	-87,233
Stock	0	0	0	0	0	0	0	0	0	0	0	0	0	0	0
Debtors	18,999	7,622	-5,704	2,318	-5,663	-8,797	9,949	4,621	4,609	-3,667	2,333	-2,871	1,420	-13,283	23,841
Creditors	25,069	31,898	-25,126	-5,157	12,661	-780	4,673	3,338	-36,381	-12,681	-15,634	-30,772	-895	7,314	215,232
Accruals and Deferred Income	10,185	13,408	-8,365	-34,605	36,813	-1,412	-9,990	3,725	49,795	0	0	0	0	0	0
Deferred Taxes & Provisions	644	-385	2,981	-99	165	-710	-586	-671	4,296	-249	-415	-507	34	100	1,398
Cash flow from operations	-6,181	29,572	-18,927	-21,770	71,559	15,481	-3,358	21,318	17,810	-4,656	-9,960	-23,397	15,454	42,234	436,078
Investing Activities
capital expenditure	-6,087	-2,398	-15,538	-5,185	-1,849	-680	0	-1,238	-23,725	-518	-773	-1,384	-4,516	-7,725	-185,627
Change in Investments	0	0	0	0	0	0	0	0	0	0	0	0	0	0	0
cash flow from investments	-6,087	-2,398	-15,538	-5,185	-1,849	-680	0	-1,238	-23,725	-518	-773	-1,384	-4,516	-7,725	-185,627
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	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	0	0	0	0	0	0	0	0	0	0	0	0	0	0
share issue	0	0	0	0	0	0	0	0	0	0	0	0	0	0	1,111
interest	18,632	16,494	4,041	352	330	2,149	1,395	674	1,308	1,329	1,362	1,444	1,471	1,351	630
cash flow from financing	18,632	16,494	4,041	352	330	2,149	1,395	674	1,308	1,329	1,362	1,444	1,471	1,351	1,741
cash and cash equivalents
cash	6,364	43,668	-30,424	-26,603	70,040	16,950	-1,963	20,754	-4,607	-3,845	-9,371	-23,337	12,409	35,859	252,192
overdraft	0	0	0	0	0	0	0	0	0	0	0	0	0	0	0
change in cash	6,364	43,668	-30,424	-26,603	70,040	16,950	-1,963	20,754	-4,607	-3,845	-9,371	-23,337	12,409	35,859	252,192

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 bruford & vallance insurance services limited by selecting its closest rivals, whether from the FINANCIAL AND INSURANCE ACTIVITIES sector, other small companies, companies in TA1 area or any other competitors across 12 key performance metrics.

BRUFORD & VALLANCE INSURANCE SERVICES LIMITED group structure

Bruford & Vallance Insurance Services Limited has no subsidiary companies.

Ultimate parent company

BRUFORD & VALLANCE INSURANCE SERVICES LIMITED

04540484

BRUFORD & VALLANCE INSURANCE SERVICES LIMITED Shareholders

david john bruford	30.6%
jane bruford	28.98%
amanda mayled	27.54%
jason lee mayled	9.54%
judy beatrice brown	3.33%

Bruford & Vallance Insurance Services Limited currently has 3 directors. The longest serving directors include Mrs Judy Brown (Mar 2003) and Mr Jason Mayled (Mar 2003).

officer	country	age	start	end	role
Mrs Judy Brown	United Kingdom	71 years	Mar 2003	-	Director
Mr Jason Mayled		55 years	Mar 2003	-	Director
Ms Amanda Mayled		55 years	Mar 2012	-	Director

P&L

June 2024

turnover

677k

+25%

operating profit

-27.6k

gross margin

93.5%

-2.68%

turnover

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

Balance Sheet

June 2024

net assets

181.2k

-0.05%

total assets

419.5k

+0.07%

cash

358.1k

+0.02%

net assets

Total assets minus all liabilities

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company number

04540484

Type

Private limited with Share Capital

industry

66220 - Activities of insurance agents and brokers

incorporation date

September 2002

ultimate parent company

None

previous names

N/A

address

45 st. james street, taunton, somerset, TA1 1JR

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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bruford & vallance insurance services limited Company Information

bruford & vallance insurance services limited Estimated Valuation

bruford & vallance insurance services limited Estimated Valuation

bruford & vallance insurance services limited Estimated Valuation

Bruford & Vallance Insurance Services Limited Overview

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BRUFORD & VALLANCE INSURANCE SERVICES LIMITED financials

bruford & vallance insurance services limited Credit Report and Business Information

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bruford & vallance insurance services limited Ownership

bruford & vallance insurance services limited directors

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