charles insurance consultants ltdEstimated Valuation
£241k
Pomanda estimates the enterprise value of CHARLES INSURANCE CONSULTANTS LTD at £241k based on a Turnover of £428.9k and 0.56x industry multiple (adjusted for size and gross margin).
charles insurance consultants ltdEstimated Valuation
£0
Pomanda estimates the enterprise value of CHARLES INSURANCE CONSULTANTS LTD at £0 based on an EBITDA of £-25.1k and a 5.96x industry multiple (adjusted for size and gross margin).
charles insurance consultants ltdEstimated Valuation
£34.8k
Pomanda estimates the enterprise value of CHARLES INSURANCE CONSULTANTS LTD at £34.8k based on Net Assets of £22.1k and 1.58x industry multiple (adjusted for liquidity).
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Charles Insurance Consultants LtdOverview
Charles Insurance Consultants Ltd is a live company located in south glamorgan, CF64 2AL with a Companies House number of 04726161. It operates in the non-life insurance sector, SIC Code 65120. Founded in April 2003, it's largest shareholder is
m.f. charles
with a 100% stake. Charles Insurance Consultants Ltd is a mature,
micro sized company, Pomanda has estimated its turnover at
£428.9k with
declining
growth in recent years.
Pomanda's financial health check has awarded Charles Insurance Consultants Ltd a 3 rating. We use a traffic light system to show it exceeds the industry average on 2 measures and has 5 areas for improvement. Company Health Check FAQs
Health Rating3out of 5
2 Strong
3 Regular
5 Weak
Size
annual sales of £428.9k, make it smaller than the average company (£1.6m)
£428.9k - Charles Insurance Consultants Ltd
£1.6m - Industry AVG
Growth
3 year (CAGR) sales growth of -4%, show it is growing at a slower rate (6.6%)
-4% - Charles Insurance Consultants Ltd
6.6% - Industry AVG
Production
with a gross margin of 100%, this company has a comparable cost of product (100%)
100% - Charles Insurance Consultants Ltd
100% - Industry AVG
Profitability
an operating margin of -6.4% make it less profitable than the average company (12.1%)
-6.4% - Charles Insurance Consultants Ltd
12.1% - Industry AVG
Employees
with 6 employees, this is below the industry average (26)
6 - Charles Insurance Consultants Ltd
26 - Industry AVG
Pay Structure
on an average salary of £56.1k, the company has an equivalent pay structure (£56.1k)
£56.1k - Charles Insurance Consultants Ltd
£56.1k - Industry AVG
Efficiency
resulting in sales per employee of £71.5k, this is less efficient (£156.4k)
£71.5k - Charles Insurance Consultants Ltd
£156.4k - Industry AVG
Debtor Days
it gets paid by customers after 118 days, this is earlier than average (213 days)
118 days - Charles Insurance Consultants Ltd
213 days - Industry AVG
Creditor Days
There is insufficient data available for this Key Performance Indicator!
- - Charles Insurance Consultants Ltd
- - Industry AVG
Stock Days
There is insufficient data available for this Key Performance Indicator!
- - Charles Insurance Consultants Ltd
- - Industry AVG
Cash Balance
has cash to cover current liabilities
for 27 weeks, this is more cash available to meet short term requirements (18 weeks)
27 weeks - Charles Insurance Consultants Ltd
18 weeks - Industry AVG
Debt Level
it has a ratio of liabilities to total assets of 92.8%, this is a similar level of debt than the average (88.7%)
92.8% - Charles Insurance Consultants Ltd
88.7% - Industry AVG
CHARLES INSURANCE CONSULTANTS LTD financials
EXPORT
Charles Insurance Consultants Ltd's latest turnover from December 2019 is estimated at £428.9 thousand and the company has net assets of £22.1 thousand. According to their latest financial statements, Charles Insurance Consultants Ltd has 6 employees and maintains cash reserves of £151.3 thousand as reported in the balance sheet.
Data source:Companies House, Pomanda Estimates
Dec 2019
Dec 2018
Dec 2017
Dec 2016
Dec 2015
Dec 2014
Dec 2013
Dec 2012
Dec 2011
Dec 2010
Dec 2009
Turnover
428,924
445,230
408,127
480,816
166,137
251,519
312,407
248,686
157,012
146,913
Other Income Or Grants
Cost Of Sales
2,970
14,721
16,563
43,858
71,352
61,796
42,446
43,059
Gross Profit
428,924
445,230
405,157
466,095
149,575
207,661
241,055
186,890
114,566
103,853
Admin Expenses
456,505
438,407
408,942
458,875
192,730
235,344
251,357
143,606
69,725
110,661
-88,915
Operating Profit
-27,581
6,823
-3,785
7,220
-43,155
-27,683
-10,302
43,284
44,841
-6,808
88,915
Interest Payable
1,280
1,798
2,213
1,167
Interest Receivable
1,017
1,032
693
206
343
731
757
483
428
474
268
Pre-Tax Profit
-27,844
6,057
-5,305
6,259
-42,812
-26,952
-9,545
43,767
45,269
-6,334
89,183
Tax
-1,151
-1,252
-10,504
-11,770
-24,971
Profit After Tax
-27,844
4,906
-5,305
5,007
-42,812
-26,952
-9,545
33,263
33,499
-6,334
64,212
Dividends Paid
Retained Profit
-27,844
4,906
-5,305
5,007
-42,812
-26,952
-9,545
33,263
33,499
-6,334
64,212
Employee Costs
336,633
395,220
384,231
531,949
103,704
106,030
153,395
99,581
101,338
96,330
Number Of Employees
6
7
7
10
2
2
3
2
2
2
EBITDA*
-25,128
10,463
40
11,323
-39,033
-23,432
-5,961
45,702
46,874
-4,886
97,332
* Earnings Before Interest, Tax, Depreciation and Amortisation
Dec 2019
Dec 2018
Dec 2017
Dec 2016
Dec 2015
Dec 2014
Dec 2013
Dec 2012
Dec 2011
Dec 2010
Dec 2009
Tangible Assets
3,981
6,434
9,258
13,083
17,186
13,793
17,044
10,983
10,073
8,749
9,067
Intangible Assets
Investments & Other
12,000
12,000
12,000
12,000
12,000
12,000
12,000
12,000
12,000
12,000
Debtors (Due After 1 year)
Total Fixed Assets
15,981
18,434
21,258
25,083
29,186
25,793
29,044
22,983
22,073
20,749
9,067
Stock & work in progress
Trade Debtors
138,813
118,674
118,517
94,647
96,190
136,938
171,007
134,047
82,952
74,607
81,898
Group Debtors
Misc Debtors
2,098
26,095
30,714
26,893
22,546
Cash
151,261
119,905
155,376
121,712
42,980
94,196
198,327
104,645
88,654
82,398
107,381
misc current assets
total current assets
292,172
264,674
304,607
243,252
161,716
231,134
369,334
238,692
171,606
157,005
189,279
total assets
308,153
283,108
325,865
268,335
190,902
256,927
398,378
261,675
193,679
177,754
198,346
Bank overdraft
14,964
16,905
12,077
9,917
Bank loan
8,039
8,743
Trade Creditors
216,566
171,744
197,677
141,869
116,355
129,404
246,796
137,034
102,301
117,037
127,638
Group/Directors Accounts
other short term finances
hp & lease commitments
1,515
2,169
2,042
1,917
other current liabilities
52,588
35,211
46,681
31,150
total current liabilities
285,633
226,029
266,516
193,596
116,355
129,404
246,796
137,034
102,301
117,037
127,638
loans
424
5,624
10,632
18,675
hp & lease commitments
1,515
3,683
5,725
Accruals and Deferred Income
other liabilities
29,215
39,379
36,486
2,838
6,495
provisions
total long term liabilities
424
7,139
14,315
24,400
29,215
39,379
36,486
2,838
6,495
total liabilities
286,057
233,168
280,831
217,996
145,570
168,783
283,282
137,034
102,301
119,875
134,133
net assets
22,096
49,940
45,034
50,339
45,332
88,144
115,096
124,641
91,378
57,879
64,213
total shareholders funds
22,096
49,940
45,034
50,339
45,332
88,144
115,096
124,641
91,378
57,879
64,213
Dec 2019
Dec 2018
Dec 2017
Dec 2016
Dec 2015
Dec 2014
Dec 2013
Dec 2012
Dec 2011
Dec 2010
Dec 2009
Operating Activities
Operating Profit
-27,581
6,823
-3,785
7,220
-43,155
-27,683
-10,302
43,284
44,841
-6,808
88,915
Depreciation
2,453
3,640
3,825
4,103
4,122
4,251
4,341
2,418
2,033
1,922
1,517
Amortisation
6,900
Tax
-1,151
-1,252
-10,504
-11,770
-24,971
Stock
Debtors
-3,858
-4,462
27,691
2,804
-18,202
-34,069
36,960
51,095
8,345
-7,291
81,898
Creditors
44,822
-25,933
55,808
25,514
-13,049
-117,392
109,762
34,733
-14,736
-10,601
127,638
Accruals and Deferred Income
17,377
-11,470
15,531
31,150
Deferred Taxes & Provisions
Cash flow from operations
40,929
-23,629
43,688
63,931
-33,880
-106,755
66,841
18,836
12,023
-8,196
118,101
Investing Activities
capital expenditure
-816
-7,515
-1,000
-10,402
-3,328
-3,357
-1,604
-17,484
Change in Investments
12,000
cash flow from investments
-816
-7,515
-1,000
-10,402
-3,328
-3,357
-13,604
-17,484
Financing Activities
Bank loans
-8,039
-704
8,743
Group/Directors Accounts
Other Short Term Loans
Long term loans
-5,200
-5,008
-8,043
18,675
Hire Purchase and Lease Commitments
-2,169
-2,041
-1,917
7,642
other long term liabilities
-29,215
-10,164
2,893
36,486
-2,838
-3,657
6,495
share issue
1
interest
-263
-766
-1,520
-961
343
731
757
483
428
474
268
cash flow from financing
-7,632
-15,854
-12,184
4,884
-9,821
3,624
37,243
483
-2,410
-3,183
6,764
cash and cash equivalents
cash
31,356
-35,471
33,664
78,732
-51,216
-104,131
93,682
15,991
6,256
-24,983
107,381
overdraft
-1,941
4,828
2,160
9,917
change in cash
33,297
-40,299
31,504
68,815
-51,216
-104,131
93,682
15,991
6,256
-24,983
107,381
charles insurance consultants ltd Credit Report and Business Information
Very Low Risk70 - 100
Low Risk50 - 70
Moderate Risk30 - 50
High Risk20 - 30
Very High Risk0 - 20
Get a comprehensive credit check for charles insurance consultants ltd. Get real-time insights into charles insurance consultants ltd's credit score, group structure and payment trends.
Charles Insurance Consultants Ltd Competitor Analysis
Perform a competitor analysis for charles insurance consultants ltd by selecting its closest rivals, whether from the FINANCIAL AND INSURANCE ACTIVITIES sector, other micro companies, companies in CF64 area or any other competitors across 12 key performance metrics.
charles insurance consultants ltd Ownership
CHARLES INSURANCE CONSULTANTS LTD group structure
Charles Insurance Consultants Ltd has no subsidiary companies.
Ultimate parent company
CHARLES INSURANCE CONSULTANTS LTD
04726161
CHARLES INSURANCE CONSULTANTS LTD Shareholders
The sole shareholder of Charles Insurance Consultants Ltd is M.F. Charles.
m.f. charles
100%
charles insurance consultants ltd directors
Charles Insurance Consultants Ltd currently has 2 directors.
The longest serving directors include
Mr Mark Charles (Apr 2003) and
Mr Golan Lambranzi (Apr 2021).
29 hickman road, penarth, south glamorgan, CF64 2AL
Bank
-
Legal Advisor
-
charles insurance consultants 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 charles insurance consultants ltd. Currently there are 0 open charges and 1 have been satisfied in the past.
charles insurance consultants 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 CHARLES INSURANCE CONSULTANTS LTD. This can take several minutes, an email will notify you when this has completed.
charles insurance consultants ltdCompanies House Filings - See Documents
