howard wealth management limited
howard wealth management limited Company Information
Company Number
04976475
Next Accounts
Dec 2025
Directors
Shareholders
stuart samuel howard
executors of roy maunder
Group Structure
View All
Industry
Other financial service activities, except insurance and pension funding, (not including security dealing on own account and factoring) n.e.c.
Registered Address
the old school house, west street, fareham, hampshire, PO17 6EA
Website
www.howardwealth.comhoward wealth management limited Estimated Valuation
Pomanda estimates the enterprise value of HOWARD WEALTH MANAGEMENT LIMITED at £687.7k based on a Turnover of £564.5k and 1.22x industry multiple (adjusted for size and gross margin).
howard wealth management limited Estimated Valuation
Pomanda estimates the enterprise value of HOWARD WEALTH MANAGEMENT LIMITED at £17k based on an EBITDA of £4k and a 4.2x industry multiple (adjusted for size and gross margin).
howard wealth management limited Estimated Valuation
Pomanda estimates the enterprise value of HOWARD WEALTH MANAGEMENT LIMITED at £41.4k based on Net Assets of £31.7k and 1.31x industry multiple (adjusted for liquidity).
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Howard Wealth Management Limited Overview
Howard Wealth Management Limited is a live company located in fareham, PO17 6EA with a Companies House number of 04976475. It operates in the financial intermediation not elsewhere classified sector, SIC Code 64999. Founded in November 2003, it's largest shareholder is stuart samuel howard with a 60% stake. Howard Wealth Management Limited is a mature, small sized company, Pomanda has estimated its turnover at £564.5k with high growth in recent years.
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Howard Wealth Management Limited Health Check
Pomanda's financial health check has awarded Howard Wealth Management Limited a 3 rating. We use a traffic light system to show it exceeds the industry average on 3 measures and has 6 areas for improvement. Company Health Check FAQs
3 Strong
2 Regular
6 Weak
Size
annual sales of £564.5k, make it smaller than the average company (£5.3m)
- Howard Wealth Management Limited
£5.3m - Industry AVG
Growth
3 year (CAGR) sales growth of 16%, show it is growing at a faster rate (6.7%)
- Howard Wealth Management Limited
6.7% - Industry AVG
Production
with a gross margin of 56%, this company has a comparable cost of product (56%)
- Howard Wealth Management Limited
56% - Industry AVG
Profitability
an operating margin of 0.3% make it less profitable than the average company (9.2%)
- Howard Wealth Management Limited
9.2% - Industry AVG
Employees
with 4 employees, this is below the industry average (12)
4 - Howard Wealth Management Limited
12 - Industry AVG
Pay Structure
on an average salary of £79.6k, the company has an equivalent pay structure (£79.6k)
- Howard Wealth Management Limited
£79.6k - Industry AVG
Efficiency
resulting in sales per employee of £141.1k, this is less efficient (£216.1k)
- Howard Wealth Management Limited
£216.1k - Industry AVG
Debtor Days
it gets paid by customers after 22 days, this is earlier than average (33 days)
- Howard Wealth Management Limited
33 days - Industry AVG
Creditor Days
its suppliers are paid after 1 days, this is quicker than average (41 days)
- Howard Wealth Management Limited
41 days - Industry AVG
Stock Days
There is insufficient data available for this Key Performance Indicator!
- Howard Wealth Management Limited
- - Industry AVG
Cash Balance
has cash to cover current liabilities for 21 weeks, this is less cash available to meet short term requirements (29 weeks)
21 weeks - Howard Wealth Management Limited
29 weeks - Industry AVG
Debt Level
it has a ratio of liabilities to total assets of 47.1%, this is a lower level of debt than the average (69.5%)
47.1% - Howard Wealth Management Limited
69.5% - Industry AVG
HOWARD WEALTH MANAGEMENT LIMITED financials
Howard Wealth Management Limited's latest turnover from March 2024 is estimated at £564.5 thousand and the company has net assets of £31.7 thousand. According to their latest financial statements, Howard Wealth Management Limited has 4 employees and maintains cash reserves of £6.6 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 | Nov 2009 | |
|---|---|---|---|---|---|---|---|---|---|---|---|---|---|---|---|
| Turnover | |||||||||||||||
| Other Income Or Grants | |||||||||||||||
| Cost Of Sales | |||||||||||||||
| Gross Profit | |||||||||||||||
| Admin Expenses | |||||||||||||||
| Operating Profit | |||||||||||||||
| Interest Payable | |||||||||||||||
| Interest Receivable | |||||||||||||||
| Pre-Tax Profit | |||||||||||||||
| Tax | |||||||||||||||
| Profit After Tax | |||||||||||||||
| Dividends Paid | |||||||||||||||
| Retained Profit | |||||||||||||||
| Employee Costs | |||||||||||||||
| Number Of Employees | 4 | 4 | 4 | 3 | 3 | 3 | 3 | 4 | 3 | ||||||
| EBITDA* |
* 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 | Nov 2009 | |
|---|---|---|---|---|---|---|---|---|---|---|---|---|---|---|---|
| Tangible Assets | 4,168 | 3,231 | 4,699 | 5,874 | 7,048 | 7,998 | 4,834 | 6,686 | 8,449 | 6,787 | 9,774 | 15,084 | 19,688 | 8,637 | |
| Intangible Assets | |||||||||||||||
| Investments & Other | |||||||||||||||
| Debtors (Due After 1 year) | |||||||||||||||
| Total Fixed Assets | 4,168 | 3,231 | 4,699 | 5,874 | 7,048 | 7,998 | 4,834 | 6,686 | 8,449 | 6,787 | 9,774 | 15,084 | 19,688 | 8,637 | |
| Stock & work in progress | |||||||||||||||
| Trade Debtors | 35,447 | 27,275 | 25,622 | 23,289 | 20,958 | 19,221 | 22,034 | 41,704 | 38,380 | 57,304 | 32,841 | 26,209 | 20,792 | 22,106 | |
| Group Debtors | |||||||||||||||
| Misc Debtors | 13,688 | 14,574 | 9,408 | 9,408 | 9,129 | 8,529 | 4,636 | 10,262 | 29,262 | ||||||
| Cash | 6,644 | 15,908 | 44,596 | 48,808 | 10,406 | 36,232 | 39,275 | 1,219 | 80 | 389 | 4,464 | 9,609 | |||
| misc current assets | |||||||||||||||
| total current assets | 55,779 | 57,757 | 79,626 | 81,505 | 40,493 | 63,982 | 65,945 | 53,185 | 67,722 | 57,693 | 37,305 | 26,209 | 20,792 | 31,715 | |
| total assets | 59,947 | 60,988 | 84,325 | 87,379 | 47,541 | 71,980 | 70,779 | 59,871 | 76,171 | 64,480 | 47,079 | 41,293 | 40,480 | 40,352 | |
| Bank overdraft | 3,955 | 4,049 | 5,000 | 6,832 | |||||||||||
| Bank loan | |||||||||||||||
| Trade Creditors | 900 | 900 | 900 | 900 | 900 | 900 | 900 | 900 | 13,205 | 2,413 | 13,408 | 15,992 | 17,275 | ||
| Group/Directors Accounts | |||||||||||||||
| other short term finances | |||||||||||||||
| hp & lease commitments | |||||||||||||||
| other current liabilities | 11,488 | 8,358 | 10,546 | 16,383 | 9,072 | 7,982 | 8,816 | 3,986 | 6,180 | ||||||
| total current liabilities | 16,343 | 13,307 | 16,446 | 17,283 | 9,972 | 8,882 | 9,716 | 4,886 | 13,012 | 13,205 | 2,413 | 13,408 | 15,992 | 17,275 | |
| loans | 11,864 | 16,198 | 20,000 | 25,000 | |||||||||||
| hp & lease commitments | |||||||||||||||
| Accruals and Deferred Income | |||||||||||||||
| other liabilities | |||||||||||||||
| provisions | |||||||||||||||
| total long term liabilities | 11,864 | 16,198 | 20,000 | 25,000 | |||||||||||
| total liabilities | 28,207 | 29,505 | 36,446 | 42,283 | 9,972 | 8,882 | 9,716 | 4,886 | 13,012 | 13,205 | 2,413 | 13,408 | 15,992 | 17,275 | |
| net assets | 31,740 | 31,483 | 47,879 | 45,096 | 37,569 | 63,098 | 61,063 | 54,985 | 63,159 | 51,275 | 44,666 | 27,885 | 24,488 | 23,077 | |
| total shareholders funds | 31,740 | 31,483 | 47,879 | 45,096 | 37,569 | 63,098 | 61,063 | 54,985 | 63,159 | 51,275 | 44,666 | 27,885 | 24,488 | 23,077 |
| 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 | Nov 2009 | |
|---|---|---|---|---|---|---|---|---|---|---|---|---|---|---|---|
| Operating Activities | |||||||||||||||
| Operating Profit | |||||||||||||||
| Depreciation | 2,270 | 1,468 | 1,175 | 1,409 | 1,599 | 1,852 | 1,763 | 1,357 | 4,787 | 5,310 | 5,950 | 1,949 | 2,159 | ||
| Amortisation | |||||||||||||||
| Tax | |||||||||||||||
| Stock | |||||||||||||||
| Debtors | 7,286 | 6,819 | 2,333 | 2,610 | 2,337 | 1,080 | -25,296 | -15,676 | 10,338 | 24,463 | 6,632 | 5,417 | -1,314 | 22,106 | |
| Creditors | 900 | -13,205 | 10,792 | -10,995 | -2,584 | -1,283 | 17,275 | ||||||||
| Accruals and Deferred Income | 3,130 | -2,188 | -5,837 | 7,311 | 1,090 | -834 | 4,830 | -2,194 | 6,180 | ||||||
| Deferred Taxes & Provisions | |||||||||||||||
| Cash flow from operations | |||||||||||||||
| Investing Activities | |||||||||||||||
| capital expenditure | |||||||||||||||
| Change in Investments | |||||||||||||||
| cash flow from investments | |||||||||||||||
| Financing Activities | |||||||||||||||
| Bank loans | |||||||||||||||
| Group/Directors Accounts | |||||||||||||||
| Other Short Term Loans | |||||||||||||||
| Long term loans | -4,334 | -3,802 | -5,000 | 25,000 | |||||||||||
| Hire Purchase and Lease Commitments | |||||||||||||||
| other long term liabilities | |||||||||||||||
| share issue | |||||||||||||||
| interest | |||||||||||||||
| cash flow from financing | |||||||||||||||
| cash and cash equivalents | |||||||||||||||
| cash | -9,264 | -28,688 | -4,212 | 38,402 | -25,826 | -3,043 | 38,056 | 1,139 | -309 | -4,075 | 4,464 | -9,609 | 9,609 | ||
| overdraft | -94 | -951 | 5,000 | -6,832 | 6,832 | ||||||||||
| change in cash | -9,170 | -27,737 | -9,212 | 38,402 | -25,826 | -3,043 | 38,056 | 7,971 | -7,141 | -4,075 | 4,464 | -9,609 | 9,609 |
howard wealth management limited Credit Report and Business Information
Howard Wealth Management Limited Competitor Analysis
Perform a competitor analysis for howard wealth management limited by selecting its closest rivals, whether from the FINANCIAL AND INSURANCE ACTIVITIES sector, other small companies, companies in PO17 area or any other competitors across 12 key performance metrics.
howard wealth management limited Ownership
HOWARD WEALTH MANAGEMENT LIMITED group structure
Howard Wealth Management Limited has no subsidiary companies.
Ultimate parent company
HOWARD WEALTH MANAGEMENT LIMITED
04976475
howard wealth management limited directors
Howard Wealth Management Limited currently has 1 director, Mr Stuart Howard serving since Nov 2003.
| officer | country | age | start | end | role |
|---|---|---|---|---|---|
| Mr Stuart Howard | United Kingdom | 63 years | Nov 2003 | - | Director |
P&L
March 2024turnover
564.5k
+13%
operating profit
1.8k
0%
gross margin
56.1%
-3.51%
turnover
Turnover, or revenue, is the amount of sales generated by a company within the financial year.
Balance Sheet
March 2024net assets
31.7k
+0.01%
total assets
59.9k
-0.02%
cash
6.6k
-0.58%
net assets
Total assets minus all liabilities
howard wealth management limited company details
company number
04976475
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
November 2003
age
22
incorporated
UK
ultimate parent company
accounts
Total Exemption Full
last accounts submitted
March 2024
previous names
ccd (holdings) limited (April 2010)
accountant
-
auditor
-
address
the old school house, west street, fareham, hampshire, PO17 6EA
Bank
-
Legal Advisor
-
howard wealth management limited 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 howard wealth management limited. Currently there are 1 open charges and 0 have been satisfied in the past.
howard wealth management limited 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.
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howard wealth management limited Companies House Filings - See Documents
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