lloyd & whyte community broking ltd
lloyd & whyte community broking ltd Company Information
Company Number
04640518
Next Accounts
Sep 2025
Shareholders
lloyd & whyte group ltd
Group Structure
View All
Industry
Non-life insurance
Registered Address
affinity house bindon road, taunton, TA2 6AA
Website
bhsinsurance.co.uklloyd & whyte community broking ltd Estimated Valuation
Pomanda estimates the enterprise value of LLOYD & WHYTE COMMUNITY BROKING LTD at £2.1m based on a Turnover of £3.4m and 0.62x industry multiple (adjusted for size and gross margin).
lloyd & whyte community broking ltd Estimated Valuation
Pomanda estimates the enterprise value of LLOYD & WHYTE COMMUNITY BROKING LTD at £2.7m based on an EBITDA of £391.9k and a 6.84x industry multiple (adjusted for size and gross margin).
lloyd & whyte community broking ltd Estimated Valuation
Pomanda estimates the enterprise value of LLOYD & WHYTE COMMUNITY BROKING LTD at £5.5m based on Net Assets of £3.4m and 1.64x industry multiple (adjusted for liquidity).
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Lloyd & Whyte Community Broking Ltd Overview
Lloyd & Whyte Community Broking Ltd is a live company located in taunton, TA2 6AA with a Companies House number of 04640518. It operates in the non-life insurance sector, SIC Code 65120. Founded in January 2003, it's largest shareholder is lloyd & whyte group ltd with a 100% stake. Lloyd & Whyte Community Broking Ltd is a mature, small sized company, Pomanda has estimated its turnover at £3.4m with rapid growth in recent years.
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Lloyd & Whyte Community Broking Ltd Health Check
Pomanda's financial health check has awarded Lloyd & Whyte Community Broking Ltd a 3.5 rating. We use a traffic light system to show it exceeds the industry average on 4 measures and has 3 areas for improvement. Company Health Check FAQs
4 Strong
1 Regular
3 Weak
Size
annual sales of £3.4m, make it larger than the average company (£2.1m)
£3.4m - Lloyd & Whyte Community Broking Ltd
£2.1m - Industry AVG
Growth
3 year (CAGR) sales growth of 160%, show it is growing at a faster rate (8.6%)
- Lloyd & Whyte Community Broking Ltd
8.6% - Industry AVG
Production
with a gross margin of 100%, this company has a comparable cost of product (100%)
100% - Lloyd & Whyte Community Broking Ltd
100% - Industry AVG
Profitability
an operating margin of 3.3% make it less profitable than the average company (17.5%)
3.3% - Lloyd & Whyte Community Broking Ltd
17.5% - Industry AVG
Employees
with 10 employees, this is below the industry average (26)
- Lloyd & Whyte Community Broking Ltd
26 - Industry AVG
Pay Structure
There is insufficient data available for this Key Performance Indicator!
- Lloyd & Whyte Community Broking Ltd
- - Industry AVG
Efficiency
resulting in sales per employee of £340.3k, this is more efficient (£163.8k)
- Lloyd & Whyte Community Broking Ltd
£163.8k - Industry AVG
Debtor Days
There is insufficient data available for this Key Performance Indicator!
- - Lloyd & Whyte Community Broking Ltd
- - Industry AVG
Creditor Days
There is insufficient data available for this Key Performance Indicator!
- - Lloyd & Whyte Community Broking Ltd
- - Industry AVG
Stock Days
There is insufficient data available for this Key Performance Indicator!
- - Lloyd & Whyte Community Broking Ltd
- - Industry AVG
Cash Balance
has cash to cover current liabilities for 14 weeks, this is less cash available to meet short term requirements (18 weeks)
14 weeks - Lloyd & Whyte Community Broking Ltd
18 weeks - Industry AVG
Debt Level
it has a ratio of liabilities to total assets of 5.7%, this is a lower level of debt than the average (81.4%)
5.7% - Lloyd & Whyte Community Broking Ltd
81.4% - Industry AVG
LLOYD & WHYTE COMMUNITY BROKING LTD financials
Lloyd & Whyte Community Broking Ltd's latest turnover from December 2023 is £3.4 million and the company has net assets of £3.4 million. According to their latest financial statements, we estimate that Lloyd & Whyte Community Broking Ltd has 10 employees and maintains cash reserves of £47.1 thousand as reported in the balance sheet.
Data source: Companies House, Pomanda Estimates
| Dec 2023 | Dec 2022 | Dec 2021 | Dec 2020 | Mar 2020 | Mar 2019 | Mar 2018 | Mar 2017 | Mar 2016 | Mar 2015 | Mar 2014 | Mar 2013 | Mar 2012 | Mar 2011 | Mar 2010 | |
|---|---|---|---|---|---|---|---|---|---|---|---|---|---|---|---|
| Turnover | 3,402,623 | 1,242,841 | |||||||||||||
| Other Income Or Grants | |||||||||||||||
| Cost Of Sales | |||||||||||||||
| Gross Profit | 3,402,623 | 1,242,841 | |||||||||||||
| Admin Expenses | 3,289,670 | 1,268,931 | |||||||||||||
| Operating Profit | 112,953 | -26,090 | |||||||||||||
| Interest Payable | |||||||||||||||
| Interest Receivable | 78,922 | 17,279 | |||||||||||||
| Pre-Tax Profit | 191,875 | -8,811 | |||||||||||||
| Tax | -110,785 | -37,648 | |||||||||||||
| Profit After Tax | 81,090 | -46,459 | |||||||||||||
| Dividends Paid | |||||||||||||||
| Retained Profit | 81,090 | -46,459 | |||||||||||||
| Employee Costs | 102,195 | ||||||||||||||
| Number Of Employees | 1 | 3 | 7 | 6 | 10 | 13 | 15 | ||||||||
| EBITDA* | 391,858 | 149,116 |
* Earnings Before Interest, Tax, Depreciation and Amortisation
| Dec 2023 | Dec 2022 | Dec 2021 | Dec 2020 | Mar 2020 | Mar 2019 | Mar 2018 | Mar 2017 | Mar 2016 | Mar 2015 | Mar 2014 | Mar 2013 | Mar 2012 | Mar 2011 | Mar 2010 | |
|---|---|---|---|---|---|---|---|---|---|---|---|---|---|---|---|
| Tangible Assets | 41,092 | 13,164 | 8,450 | 9,164 | 11,998 | 14,884 | 8,626 | 16,167 | 22,260 | 25,471 | 37,279 | 34,941 | 4,557 | 5,131 | 6,162 |
| Intangible Assets | 2,124,725 | 2,217,292 | 357,009 | 6,587 | |||||||||||
| Investments & Other | 1,425 | ||||||||||||||
| Debtors (Due After 1 year) | |||||||||||||||
| Total Fixed Assets | 2,165,817 | 2,230,456 | 366,884 | 9,164 | 11,998 | 14,884 | 8,626 | 16,167 | 22,260 | 25,471 | 37,279 | 34,941 | 4,557 | 5,131 | 12,749 |
| Stock & work in progress | |||||||||||||||
| Trade Debtors | 70,032 | 27,765 | 91,914 | 528 | 683 | 74,472 | 6,253 | 4,768 | 5,753 | 5,258 | 5,258 | 8,116 | |||
| Group Debtors | 53,400 | 47,810 | 53,000 | 55,000 | |||||||||||
| Misc Debtors | 1,300,893 | 574,059 | 71,777 | 72,682 | 58,769 | 66,571 | 53,022 | ||||||||
| Cash | 47,140 | 59,616 | 276,539 | 73,824 | 605 | 425 | 58 | 3,322 | 4,763 | 93,113 | 151,512 | 130,510 | 146,771 | 144,200 | 111,929 |
| misc current assets | |||||||||||||||
| total current assets | 1,401,433 | 633,675 | 418,348 | 174,271 | 92,519 | 107,004 | 120,157 | 112,027 | 79,235 | 99,366 | 156,280 | 136,263 | 152,029 | 149,458 | 120,045 |
| total assets | 3,567,250 | 2,864,131 | 785,232 | 183,435 | 104,517 | 121,888 | 128,783 | 128,194 | 101,495 | 124,837 | 193,559 | 171,204 | 156,586 | 154,589 | 132,794 |
| Bank overdraft | 5,579 | 23,751 | 18,372 | 5,993 | |||||||||||
| Bank loan | |||||||||||||||
| Trade Creditors | 82,972 | 19,521 | 225,440 | 85,980 | 87,793 | 10,403 | 26,358 | 12,827 | 7,505 | 38,990 | 74,395 | 67,457 | 77,779 | 57,569 | 59,126 |
| Group/Directors Accounts | 6,510 | 247,040 | 67,129 | 30,000 | 28,440 | ||||||||||
| other short term finances | |||||||||||||||
| hp & lease commitments | |||||||||||||||
| other current liabilities | 81,267 | 196,886 | 57,520 | 113,773 | 64,267 | 52,635 | 55,127 | 33,586 | |||||||
| total current liabilities | 170,749 | 463,447 | 350,089 | 199,753 | 87,793 | 80,249 | 102,744 | 86,326 | 47,084 | 38,990 | 74,395 | 67,457 | 77,779 | 87,569 | 87,566 |
| loans | |||||||||||||||
| hp & lease commitments | |||||||||||||||
| Accruals and Deferred Income | |||||||||||||||
| other liabilities | |||||||||||||||
| provisions | 33,600 | 12,000 | 1,700 | 1,918 | 2,404 | 1,179 | 1,830 | 2,693 | 2,716 | 4,447 | 4,296 | ||||
| total long term liabilities | 33,600 | 12,000 | 1,700 | 1,918 | 2,404 | 1,179 | 1,830 | 2,693 | 2,716 | 4,447 | 4,296 | ||||
| total liabilities | 204,349 | 475,447 | 350,089 | 201,453 | 89,711 | 82,653 | 103,923 | 88,156 | 49,777 | 41,706 | 78,842 | 71,753 | 77,779 | 87,569 | 87,566 |
| net assets | 3,362,901 | 2,388,684 | 435,143 | -18,018 | 14,806 | 39,235 | 24,860 | 40,038 | 51,718 | 83,131 | 114,717 | 99,451 | 78,807 | 67,020 | 45,228 |
| total shareholders funds | 3,362,901 | 2,388,684 | 435,143 | -18,018 | 14,806 | 39,235 | 24,860 | 40,038 | 51,718 | 83,131 | 114,717 | 99,451 | 78,807 | 67,020 | 45,228 |
| Dec 2023 | Dec 2022 | Dec 2021 | Dec 2020 | 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 | 112,953 | -26,090 | |||||||||||||
| Depreciation | 15,523 | 3,696 | 3,933 | 2,859 | 3,480 | 3,579 | 6,385 | 7,411 | 9,555 | 12,582 | 12,813 | 9,296 | 1,290 | 1,260 | 1,321 |
| Amortisation | 263,382 | 171,510 | 6,587 | 35,874 | |||||||||||
| Tax | -110,785 | -37,648 | |||||||||||||
| Stock | |||||||||||||||
| Debtors | 780,234 | 432,250 | 41,362 | -6,132 | -14,665 | -13,520 | 11,394 | 34,233 | 68,219 | 1,485 | -985 | 495 | -2,858 | 8,116 | |
| Creditors | 63,451 | -205,919 | 139,460 | 75,577 | 77,390 | -15,955 | 13,531 | 5,322 | -31,485 | -35,405 | 6,938 | -10,322 | 20,210 | -1,557 | 59,126 |
| Accruals and Deferred Income | -115,619 | 139,366 | -56,253 | 49,506 | -64,267 | 11,632 | -2,492 | 21,541 | 33,586 | ||||||
| Deferred Taxes & Provisions | 21,600 | 12,000 | -1,700 | -704 | -486 | 1,225 | -651 | -863 | -23 | -1,731 | 151 | 4,296 | |||
| Cash flow from operations | -529,729 | -375,335 | |||||||||||||
| Investing Activities | |||||||||||||||
| capital expenditure | |||||||||||||||
| Change in Investments | -1,425 | 1,425 | |||||||||||||
| cash flow from investments | |||||||||||||||
| Financing Activities | |||||||||||||||
| Bank loans | |||||||||||||||
| Group/Directors Accounts | -240,530 | 179,911 | 67,129 | -30,000 | 1,560 | 28,440 | |||||||||
| Other Short Term Loans | |||||||||||||||
| Long term loans | |||||||||||||||
| Hire Purchase and Lease Commitments | |||||||||||||||
| other long term liabilities | |||||||||||||||
| share issue | |||||||||||||||
| interest | 78,922 | 17,279 | |||||||||||||
| cash flow from financing | 731,519 | 2,197,190 | |||||||||||||
| cash and cash equivalents | |||||||||||||||
| cash | -12,476 | -216,923 | 202,715 | 73,399 | 180 | 367 | -3,264 | -1,441 | -88,350 | -58,399 | 21,002 | -16,261 | 2,571 | 32,271 | 111,929 |
| overdraft | -5,579 | -5,579 | -18,172 | 5,379 | 12,379 | 5,993 | |||||||||
| change in cash | -12,476 | -216,923 | 202,715 | 78,978 | 5,759 | 18,539 | -8,643 | -13,820 | -94,343 | -58,399 | 21,002 | -16,261 | 2,571 | 32,271 | 111,929 |
lloyd & whyte community broking ltd Credit Report and Business Information
Lloyd & Whyte Community Broking Ltd Competitor Analysis
Perform a competitor analysis for lloyd & whyte community broking ltd by selecting its closest rivals, whether from the FINANCIAL AND INSURANCE ACTIVITIES sector, other small companies, companies in TA2 area or any other competitors across 12 key performance metrics.
lloyd & whyte community broking ltd Ownership
LLOYD & WHYTE COMMUNITY BROKING LTD group structure
Lloyd & Whyte Community Broking Ltd has no subsidiary companies.
Ultimate parent company
2 parents
LLOYD & WHYTE COMMUNITY BROKING LTD
04640518
lloyd & whyte community broking ltd directors
Lloyd & Whyte Community Broking Ltd currently has 4 directors. The longest serving directors include Mr Matthew Pyke (Mar 2021) and Mr Stephen Astley (Mar 2021).
| officer | country | age | start | end | role |
|---|---|---|---|---|---|
| Mr Matthew Pyke | England | 54 years | Mar 2021 | - | Director |
| Mr Stephen Astley | England | 65 years | Mar 2021 | - | Director |
| Mr David Moore | England | 59 years | Mar 2021 | - | Director |
| Mr Paul Short | England | 39 years | Aug 2023 | - | Director |
P&L
December 2023turnover
3.4m
+174%
operating profit
113k
-533%
gross margin
100%
0%
turnover
Turnover, or revenue, is the amount of sales generated by a company within the financial year.
Balance Sheet
December 2023net assets
3.4m
+0.41%
total assets
3.6m
+0.25%
cash
47.1k
-0.21%
net assets
Total assets minus all liabilities
lloyd & whyte community broking ltd company details
company number
04640518
Type
Private limited with Share Capital
industry
65120 - Non-life insurance
incorporation date
January 2003
age
22
incorporated
UK
ultimate parent company
accounts
Audit Exemption Subsidiary
last accounts submitted
December 2023
previous names
b h & s insurance services limited (March 2021)
accountant
FRANCIS CLARK LLP
auditor
-
address
affinity house bindon road, taunton, TA2 6AA
Bank
-
Legal Advisor
-
lloyd & whyte community broking ltd 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 found 1 charges/mortgages relating to lloyd & whyte community broking ltd. Currently there are 0 open charges and 1 have been satisfied in the past.
lloyd & whyte community broking ltd Capital Raised & Share Issues BETA
When a company issues new shares, e.g. to new investors following a funding round, it is required to notify Companies House within one month of making an allotment of shares.
Click to start generating capital raising & share issue transactions for LLOYD & WHYTE COMMUNITY BROKING LTD. This can take several minutes, an email will notify you when this has completed.
lloyd & whyte community broking ltd Companies House Filings - See Documents
| date | description | view/download |
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