Charlwood Ifa Limited

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charlwood ifa limited Company Information

Live

MatureSmallLow

Company Number

04820268

Next Accounts

May 2026

Industry

Fund management activities

Pension funding

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Directors

Martyn Charlwood

Joanne Charlwood

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Shareholders

martyn charlwood

joanne maria charlwood

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Group Structure

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Contact

Registered Address

35 seamoor road, westbourne, bournemouth, dorset, BH4 9AE

Website

www.charlwoodifa.com

charlwood ifa limited Estimated Valuation

£1m

Pomanda estimates the enterprise value of CHARLWOOD IFA LIMITED at £1m based on an EBITDA of £158k and a 6.56x industry multiple (adjusted for size and gross margin).

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Charlwood Ifa Limited is a live company located in bournemouth, BH4 9AE with a Companies House number of 04820268. It operates in the life insurance sector, SIC Code 65110. Founded in July 2003, it's largest shareholder is martyn charlwood with a 49% stake. Charlwood Ifa Limited is a mature, small sized company, Pomanda has estimated its turnover at £1.2m with low growth in recent years.

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Pomanda's financial health check has awarded Charlwood Ifa Limited a 4 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 Rating4out of 5

3 Strong

3 Regular

5 Weak

Size

annual sales of £1.2m, make it smaller than the average company (£2.5m)

Growth

3 year (CAGR) sales growth of 2%, show it is growing at a slower rate (8.2%)

EXPORT

Charlwood Ifa Limited's latest turnover from August 2024 is estimated at £1.2 million and the company has net assets of £655.6 thousand. According to their latest financial statements, Charlwood Ifa Limited has 8 employees and maintains cash reserves of £361.6 thousand as reported in the balance sheet.

Data source: Companies House, Pomanda Estimates

	Aug 2024	Aug 2023	Aug 2022	Aug 2021	Aug 2020	Aug 2019	Aug 2018	Aug 2017	Aug 2016	Aug 2015	Aug 2014	Aug 2013	Aug 2012	Aug 2011	Aug 2010	Aug 2009
Turnover	1,201,040	1,253,346	1,361,093	1,137,713	585,375	173,335	738,501	813,114	56,695	88,758	65,049	85,207	45,239	49,170	51,690	0
Other Income Or Grants	0	0	0	0	0	0	0	0	0	0	0	0	0	0	0	0
Cost Of Sales	12,034	17,894	21,244	25,801	14,970	6,425	28,316	31,528	3,518	10,016	10,533	13,637	6,995	9,132	10,250	0
Gross Profit	1,189,006	1,235,452	1,339,849	1,111,912	570,405	166,910	710,184	781,586	53,177	78,741	54,516	71,570	38,244	40,037	41,441	0
Admin Expenses	1,035,894	1,160,790	1,397,307	1,012,860	375,932	122,457	653,352	614,364	-58,423	105,872	84,155	17,111	-36,621	-35,376	-13,632	-44,921
Operating Profit	153,112	74,662	-57,458	99,052	194,473	44,453	56,832	167,222	111,600	-27,131	-29,639	54,459	74,865	75,413	55,073	44,921
Interest Payable	2,970	3,038	7,656	5,202	12,473	13,802	0	11,734	24,005	28,782	32,446	33,233	33,979	28,726	11,555	0
Interest Receivable	17,433	17,578	5,110	216	229	1,034	0	181	200	264	566	917	901	756	645	214
Pre-Tax Profit	167,575	89,203	-60,003	94,065	182,230	31,685	56,832	155,669	87,795	-55,650	-61,518	22,143	41,787	47,443	44,164	45,135
Tax	-41,894	-22,301	0	-17,872	-34,624	-6,020	-10,798	-29,577	-17,559	0	0	-5,093	-10,029	-12,335	-12,366	-12,638
Profit After Tax	125,681	66,902	-60,003	76,193	147,606	25,665	46,034	126,092	70,236	-55,650	-61,518	17,050	31,758	35,108	31,798	32,497
Dividends Paid	0	0	0	0	0	0	0	0	0	0	0	0	0	0	0	0
Retained Profit	125,681	66,902	-60,003	76,193	147,606	25,665	46,034	126,092	70,236	-55,650	-61,518	17,050	31,758	35,108	31,798	32,497
Employee Costs	723,805	778,428	836,169	690,226	582,819	566,638	429,127	466,395	69,823	66,754	64,658	60,690	59,317	59,897	59,751	0
Number Of Employees	8	9	10	9	8	8	6	7	1	1	1	1	1	1	1	0
EBITDA*	157,974	79,210	-54,842	101,378	197,100	44,453	56,832	167,222	114,883	-23,205	-24,732	66,849	87,873	86,363	63,110	53,229

* Earnings Before Interest, Tax, Depreciation and Amortisation

	Aug 2024	Aug 2023	Aug 2022	Aug 2021	Aug 2020	Aug 2019	Aug 2018	Aug 2017	Aug 2016	Aug 2015	Aug 2014	Aug 2013	Aug 2012	Aug 2011	Aug 2010	Aug 2009
Tangible Assets	22,549	24,224	23,003	381,116	382,318	593,920	738,417	738,067	738,135	740,702	744,628	749,281	751,754	752,216	448,210	7,952
Intangible Assets	0	0	0	0	0	0	0	0	0	0	0	0	6,320	12,640	18,960	25,280
Investments & Other	0	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	0
Total Fixed Assets	22,549	24,224	23,003	381,116	382,318	593,920	738,417	738,067	738,135	740,702	744,628	749,281	758,074	764,856	467,170	33,232
Stock & work in progress	500	500	500	500	750	750	0	0	3,000	4,000	3,500	5,500	5,700	4,500	0	0
Trade Debtors	0	0	0	0	173,605	495	272,903	291,128	20,860	28,132	20,583	28,456	13,419	14,524	11,693	11,777
Group Debtors	0	0	0	0	0	0	0	0	0	0	0	0	0	0	0	0
Misc Debtors	170,131	168,817	185,476	163,603	0	12,681	0	0	0	0	0	0	0	0	0	0
Cash	361,636	335,675	333,972	250,064	181,826	275,648	0	0	145,035	15,232	90,217	136,371	230,371	130,154	172,429	85,685
misc current assets	216,283	187,965	91,044	176	113	0	0	0	4,452	30,522	34,340	34,474	37,403	41,378	0	0
total current assets	748,550	692,957	610,992	414,343	356,294	289,769	272,903	291,128	173,347	77,886	148,640	204,801	286,893	190,556	184,122	97,462
total assets	771,099	717,181	633,995	795,459	738,612	883,689	1,011,320	1,029,195	911,482	818,588	893,268	954,082	1,044,967	955,412	651,292	130,694
Bank overdraft	0	0	0	0	0	16,272	0	0	0	0	0	0	0	0	0	0
Bank loan	0	0	0	11,686	0	0	0	0	0	0	0	0	0	0	0	0
Trade Creditors	46	45	82	70	122,478	4,050	299,431	347,218	312,020	275,038	280,202	266,192	361,915	292,212	230,583	70,245
Group/Directors Accounts	0	0	19,827	7,166	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	0
hp & lease commitments	0	0	0	0	0	0	0	0	0	0	0	0	0	0	0	0
other current liabilities	82,863	154,208	119,745	92,915	0	142,350	0	0	0	0	0	0	0	0	0	0
total current liabilities	82,909	154,253	139,654	111,837	122,478	162,672	299,431	347,218	312,020	275,038	280,202	266,192	361,915	292,212	230,583	70,245
loans	27,000	27,000	27,000	158,881	0	392,664	0	0	375,494	392,664	492,949	505,384	517,173	528,345	355,525	0
hp & lease commitments	0	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	0
other liabilities	0	0	0	0	167,358	27,000	435,935	452,123	90,476	87,156	0	0	0	0	0	27,000
provisions	5,637	6,056	4,371	1,768	1,997	2,180	2,549	2,483	2,446	2,920	3,657	4,528	4,951	5,685	786	849
total long term liabilities	32,637	33,056	31,371	160,649	169,355	421,844	438,484	454,606	468,416	482,740	496,606	509,912	522,124	534,030	356,311	27,849
total liabilities	115,546	187,309	171,025	272,486	291,833	584,516	737,915	801,824	780,436	757,778	776,808	776,104	884,039	826,242	586,894	98,094
net assets	655,553	529,872	462,970	522,973	446,779	299,173	273,405	227,371	131,046	60,810	116,460	177,978	160,928	129,170	64,398	32,600
total shareholders funds	655,553	529,872	462,970	522,973	446,779	299,173	273,405	227,371	131,046	60,810	116,460	177,978	160,928	129,170	64,398	32,600

	Aug 2024	Aug 2023	Aug 2022	Aug 2021	Aug 2020	Aug 2019	Aug 2018	Aug 2017	Aug 2016	Aug 2015	Aug 2014	Aug 2013	Aug 2012	Aug 2011	Aug 2010	Aug 2009
Operating Activities
Operating Profit	153,112	74,662	-57,458	99,052	194,473	44,453	56,832	167,222	111,600	-27,131	-29,639	54,459	74,865	75,413	55,073	44,921
Depreciation	4,862	4,548	2,616	2,326	2,627	0	0	0	3,283	3,926	4,907	6,070	6,688	4,630	1,717	1,988
Amortisation	0	0	0	0	0	0	0	0	0	0	0	6,320	6,320	6,320	6,320	6,320
Tax	-41,894	-22,301	0	-17,872	-34,624	-6,020	-10,798	-29,577	-17,559	0	0	-5,093	-10,029	-12,335	-12,366	-12,638
Stock	0	0	0	-250	0	750	0	-3,000	-1,000	500	-2,000	-200	1,200	4,500	0	0
Debtors	1,314	-16,659	21,873	-10,002	160,429	-259,727	-18,225	270,268	-7,272	7,549	-7,873	15,037	-1,105	2,831	-84	11,777
Creditors	1	-37	12	-122,408	118,428	-295,381	-47,787	35,198	36,982	-5,164	14,010	-95,723	69,703	61,629	160,338	70,245
Accruals and Deferred Income	-71,345	34,463	26,830	92,915	-142,350	142,350	0	0	0	0	0	0	0	0	0	0
Deferred Taxes & Provisions	-419	1,685	2,603	-229	-183	-369	66	37	-474	-737	-871	-423	-734	4,899	-63	849
Cash flow from operations	43,003	109,679	-47,270	64,036	-22,058	144,010	16,538	-94,388	142,104	-37,155	-1,720	-49,227	146,718	133,225	211,103	99,908
Investing Activities
capital expenditure	-3,187	-5,769	355,497	-1,124	208,975	144,497	-350	68	-716	0	-254	-3,597	-6,226	-308,636	-441,975	-41,540
Change in Investments	0	0	0	0	0	0	0	0	0	0	0	0	0	0	0	0
cash flow from investments	-3,187	-5,769	355,497	-1,124	208,975	144,497	-350	68	-716	0	-254	-3,597	-6,226	-308,636	-441,975	-41,540
Financing Activities
Bank loans	0	0	-11,686	11,686	0	0	0	0	0	0	0	0	0	0	0	0
Group/Directors Accounts	0	-19,827	12,661	7,166	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	0
Long term loans	0	0	-131,881	158,881	-392,664	392,664	0	-375,494	-17,170	-100,285	-12,435	-11,789	-11,172	172,820	355,525	0
Hire Purchase and Lease Commitments	0	0	0	0	0	0	0	0	0	0	0	0	0	0	0	0
other long term liabilities	0	0	0	-167,358	140,358	-408,935	-16,188	361,647	3,320	87,156	0	0	0	0	-27,000	27,000
share issue	0	0	0	1	0	103	0	-29,767	0	0	0	0	0	29,664	0	103
interest	14,463	14,540	-2,546	-4,986	-12,244	-12,768	0	-11,553	-23,805	-28,518	-31,880	-32,316	-33,078	-27,970	-10,910	214
cash flow from financing	14,463	-5,287	-133,452	5,390	-264,550	-28,936	-16,188	-55,167	-37,655	-41,647	-44,315	-44,105	-44,250	174,514	317,615	27,317
cash and cash equivalents
cash	25,961	1,703	83,908	68,238	-93,822	275,648	0	-145,035	129,803	-74,985	-46,154	-94,000	100,217	-42,275	86,744	85,685
overdraft	0	0	0	0	-16,272	16,272	0	0	0	0	0	0	0	0	0	0
change in cash	25,961	1,703	83,908	68,238	-77,550	259,376	0	-145,035	129,803	-74,985	-46,154	-94,000	100,217	-42,275	86,744	85,685

Very Low Risk70 - 100

Low Risk50 - 70

Moderate Risk30 - 50

High Risk20 - 30

Very High Risk0 - 20

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CHARLWOOD IFA LIMITED group structure

Charlwood Ifa Limited has no subsidiary companies.

Ultimate parent company

CHARLWOOD IFA LIMITED

04820268

CHARLWOOD IFA LIMITED Shareholders

martyn charlwood	49.04%
joanne maria charlwood	33.65%
elsa kate charlwood	8.65%
conor sean charlwood	7.69%
joanne charlwood	0.96%

Charlwood Ifa Limited currently has 5 directors. The longest serving directors include Mr Martyn Charlwood (Jul 2003) and Mrs Joanne Charlwood (Jul 2003).

officer	country	age	start	end	role
Mr Martyn Charlwood	United Kingdom	59 years	Jul 2003	-	Director
Mrs Joanne Charlwood	United Kingdom	53 years	Jul 2003	-	Director
Mr Conor Charlwood	United Kingdom	21 years	Jun 2021	-	Director
Mr Conor Charlwood		21 years	Jun 2021	-	Director
Ms Elsa Charlwood	United Kingdom	23 years	Jun 2021	-	Director

P&L

August 2024

turnover

1.2m

-4%

operating profit

153.1k

gross margin

99%

+0.43%

turnover

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

Balance Sheet

August 2024

net assets

655.6k

+0.24%

total assets

771.1k

+0.08%

cash

361.6k

+0.08%

net assets

Total assets minus all liabilities

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company number

04820268

Type

Private limited with Share Capital

industry

66300 - Fund management activities

65300 - Pension funding

65110 - Life insurance

incorporation date

July 2003

ultimate parent company

None

previous names

N/A

address

35 seamoor road, westbourne, bournemouth, dorset, BH4 9AE

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 2 charges/mortgages relating to charlwood ifa limited. Currently there are 2 open charges and 0 have been satisfied in the past.

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.

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charlwood ifa limited Company Information

charlwood ifa limited Estimated Valuation

charlwood ifa limited Estimated Valuation

charlwood ifa limited Estimated Valuation

Charlwood Ifa Limited Overview

Charlwood Ifa Limited Health Check

CHARLWOOD IFA LIMITED financials

charlwood ifa limited Credit Report and Business Information

Charlwood Ifa Limited Competitor Analysis

charlwood ifa limited Ownership

charlwood ifa limited directors

charlwood ifa limited company details

charlwood ifa limited Charges & Mortgages

charlwood ifa limited Capital Raised & Share Issues BETA

charlwood ifa limited Companies House Filings - See Documents