haworths financial services limited
haworths financial services limited Company Information
Company Number
05062508
Next Accounts
Dec 2025
Shareholders
john mcgregor haworths financial services limited
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
ribble court 1 mead way, padiham, burnley, lancashire, BB12 7NG
Website
www.haworthsfs.co.ukhaworths financial services limited Estimated Valuation
Pomanda estimates the enterprise value of HAWORTHS FINANCIAL SERVICES LIMITED at £2m based on a Turnover of £1.6m and 1.25x industry multiple (adjusted for size and gross margin).
haworths financial services limited Estimated Valuation
Pomanda estimates the enterprise value of HAWORTHS FINANCIAL SERVICES LIMITED at £479.2k based on an EBITDA of £110.8k and a 4.32x industry multiple (adjusted for size and gross margin).
haworths financial services limited Estimated Valuation
Pomanda estimates the enterprise value of HAWORTHS FINANCIAL SERVICES LIMITED at £134.6k based on Net Assets of £103.2k and 1.31x industry multiple (adjusted for liquidity).
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Haworths Financial Services Limited Overview
Haworths Financial Services Limited is a live company located in burnley, BB12 7NG with a Companies House number of 05062508. It operates in the financial intermediation not elsewhere classified sector, SIC Code 64999. Founded in March 2004, it's largest shareholder is john mcgregor haworths financial services limited with a 100% stake. Haworths Financial Services Limited is a mature, small sized company, Pomanda has estimated its turnover at £1.6m with healthy growth in recent years.
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Haworths Financial Services Limited Health Check
Pomanda's financial health check has awarded Haworths Financial Services Limited a 1.5 rating. We use a traffic light system to show it exceeds the industry average on 1 measures and has 7 areas for improvement. Company Health Check FAQs
1 Strong
3 Regular
7 Weak
Size
annual sales of £1.6m, make it smaller than the average company (£5.3m)
- Haworths Financial Services Limited
£5.3m - Industry AVG
Growth
3 year (CAGR) sales growth of 13%, show it is growing at a faster rate (6.7%)
- Haworths Financial Services Limited
6.7% - Industry AVG
Production
with a gross margin of 55.7%, this company has a comparable cost of product (55.7%)
- Haworths Financial Services Limited
55.7% - Industry AVG
Profitability
an operating margin of 6.8% make it less profitable than the average company (9.1%)
- Haworths Financial Services Limited
9.1% - Industry AVG
Employees
with 9 employees, this is below the industry average (12)
9 - Haworths Financial Services Limited
12 - Industry AVG
Pay Structure
on an average salary of £79.9k, the company has an equivalent pay structure (£79.9k)
- Haworths Financial Services Limited
£79.9k - Industry AVG
Efficiency
resulting in sales per employee of £177.7k, this is less efficient (£216.7k)
- Haworths Financial Services Limited
£216.7k - Industry AVG
Debtor Days
it gets paid by customers after 35 days, this is near the average (33 days)
- Haworths Financial Services Limited
33 days - Industry AVG
Creditor Days
its suppliers are paid after 10 days, this is quicker than average (41 days)
- Haworths Financial Services Limited
41 days - Industry AVG
Stock Days
There is insufficient data available for this Key Performance Indicator!
- Haworths Financial Services Limited
- - Industry AVG
Cash Balance
has cash to cover current liabilities for 9 weeks, this is less cash available to meet short term requirements (29 weeks)
9 weeks - Haworths Financial Services Limited
29 weeks - Industry AVG
Debt Level
it has a ratio of liabilities to total assets of 84.3%, this is a higher level of debt than the average (69.3%)
84.3% - Haworths Financial Services Limited
69.3% - Industry AVG
HAWORTHS FINANCIAL SERVICES LIMITED financials
Haworths Financial Services Limited's latest turnover from March 2024 is estimated at £1.6 million and the company has net assets of £103.2 thousand. According to their latest financial statements, Haworths Financial Services Limited has 9 employees and maintains cash reserves of £54.6 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 | Mar 2010 | |
|---|---|---|---|---|---|---|---|---|---|---|---|---|---|---|---|
| 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 | 9 | 10 | 9 | 6 | 6 | 7 | 6 | 6 | 6 | ||||||
| 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 | Mar 2010 | |
|---|---|---|---|---|---|---|---|---|---|---|---|---|---|---|---|
| Tangible Assets | 4,109 | 6,000 | 3,674 | 3,574 | 2,188 | 70 | 329 | 1,577 | 2,649 | 1,046 | 1,020 | ||||
| Intangible Assets | 5,796 | 19,800 | 33,804 | 47,808 | 61,812 | 75,816 | 89,820 | 103,824 | |||||||
| Investments & Other | |||||||||||||||
| Debtors (Due After 1 year) | |||||||||||||||
| Total Fixed Assets | 4,109 | 6,000 | 3,674 | 3,574 | 2,188 | 70 | 329 | 7,373 | 22,449 | 34,850 | 48,828 | 61,812 | 75,816 | 89,820 | 103,824 |
| Stock & work in progress | |||||||||||||||
| Trade Debtors | 153,601 | 147,502 | 178,918 | 142,630 | 83,530 | 113,314 | 112,735 | 100,073 | 82,708 | 38,287 | 53,056 | 31,159 | 36,057 | 104,495 | 38,802 |
| Group Debtors | 438,016 | 438,261 | 502,148 | 528,203 | 557,703 | ||||||||||
| Misc Debtors | 7,957 | 7,084 | 5,230 | 7,862 | 4,328 | 2,544 | 960 | 1,237 | 1,391 | ||||||
| Cash | 54,595 | 75,126 | 73,120 | 108,879 | 68,665 | 62,992 | 80,424 | 54,719 | 43,919 | 16,192 | 79,468 | 69,189 | 55,386 | 31,951 | 76,143 |
| misc current assets | |||||||||||||||
| total current assets | 654,169 | 667,973 | 759,416 | 787,574 | 714,226 | 178,850 | 194,119 | 156,029 | 128,018 | 54,479 | 132,524 | 100,348 | 91,443 | 136,446 | 114,945 |
| total assets | 658,278 | 673,973 | 763,090 | 791,148 | 716,414 | 178,920 | 194,448 | 163,402 | 150,467 | 89,329 | 181,352 | 162,160 | 167,259 | 226,266 | 218,769 |
| Bank overdraft | 128,532 | 134,936 | 117,649 | 91,412 | |||||||||||
| Bank loan | |||||||||||||||
| Trade Creditors | 21,288 | 5,815 | 10,697 | 2,589 | 3,478 | 1,074 | 3,561 | 2,508 | 4,311 | 83,290 | 108,252 | 78,629 | 75,361 | 128,533 | 84,242 |
| Group/Directors Accounts | 40,750 | ||||||||||||||
| other short term finances | 78,821 | ||||||||||||||
| hp & lease commitments | |||||||||||||||
| other current liabilities | 95,273 | 91,427 | 99,537 | 107,012 | 77,047 | 98,183 | 135,513 | 110,942 | 95,595 | ||||||
| total current liabilities | 285,843 | 232,178 | 227,883 | 201,013 | 159,346 | 99,257 | 139,074 | 113,450 | 99,906 | 83,290 | 108,252 | 78,629 | 75,361 | 128,533 | 84,242 |
| loans | 269,262 | 384,198 | 469,914 | 527,181 | 501,977 | ||||||||||
| hp & lease commitments | |||||||||||||||
| Accruals and Deferred Income | |||||||||||||||
| other liabilities | 40,335 | 40,331 | 50,331 | 46,331 | 116,331 | ||||||||||
| provisions | |||||||||||||||
| total long term liabilities | 269,262 | 384,198 | 469,914 | 527,181 | 501,977 | 40,335 | 40,331 | 50,331 | 46,331 | 116,331 | |||||
| total liabilities | 555,105 | 616,376 | 697,797 | 728,194 | 661,323 | 99,257 | 139,074 | 113,450 | 99,906 | 83,290 | 148,587 | 118,960 | 125,692 | 174,864 | 200,573 |
| net assets | 103,173 | 57,597 | 65,293 | 62,954 | 55,091 | 79,663 | 55,374 | 49,952 | 50,561 | 6,039 | 32,765 | 43,200 | 41,567 | 51,402 | 18,196 |
| total shareholders funds | 103,173 | 57,597 | 65,293 | 62,954 | 55,091 | 79,663 | 55,374 | 49,952 | 50,561 | 6,039 | 32,765 | 43,200 | 41,567 | 51,402 | 18,196 |
| 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 | Mar 2010 | |
|---|---|---|---|---|---|---|---|---|---|---|---|---|---|---|---|
| Operating Activities | |||||||||||||||
| Operating Profit | |||||||||||||||
| Depreciation | 1,891 | 2,321 | 1,799 | 1,079 | 370 | 259 | 1,248 | 1,491 | 1,716 | 720 | 379 | ||||
| Amortisation | 5,796 | 14,004 | 14,004 | 14,004 | 14,004 | 14,004 | 14,004 | 14,004 | 14,004 | ||||||
| Tax | |||||||||||||||
| Stock | |||||||||||||||
| Debtors | 6,727 | -93,449 | 7,601 | 33,134 | 529,703 | 2,163 | 12,385 | 17,211 | 45,812 | -14,769 | 21,897 | -4,898 | -68,438 | 65,693 | 38,802 |
| Creditors | 15,473 | -4,882 | 8,108 | -889 | 2,404 | -2,487 | 1,053 | -1,803 | -78,979 | -24,962 | 29,623 | 3,268 | -53,172 | 44,291 | 84,242 |
| Accruals and Deferred Income | 3,846 | -8,110 | -7,475 | 29,965 | -21,136 | -37,330 | 24,571 | 15,347 | 95,595 | ||||||
| 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 | 40,750 | ||||||||||||||
| Other Short Term Loans | -78,821 | 78,821 | |||||||||||||
| Long term loans | -114,936 | -85,716 | -57,267 | 25,204 | 501,977 | ||||||||||
| Hire Purchase and Lease Commitments | |||||||||||||||
| other long term liabilities | -40,335 | 4 | -10,000 | 4,000 | -70,000 | 116,331 | |||||||||
| share issue | |||||||||||||||
| interest | |||||||||||||||
| cash flow from financing | |||||||||||||||
| cash and cash equivalents | |||||||||||||||
| cash | -20,531 | 2,006 | -35,759 | 40,214 | 5,673 | -17,432 | 25,705 | 10,800 | 27,727 | -63,276 | 10,279 | 13,803 | 23,435 | -44,192 | 76,143 |
| overdraft | -6,404 | 17,287 | 26,237 | 91,412 | |||||||||||
| change in cash | -14,127 | -15,281 | -61,996 | -51,198 | 5,673 | -17,432 | 25,705 | 10,800 | 27,727 | -63,276 | 10,279 | 13,803 | 23,435 | -44,192 | 76,143 |
haworths financial services limited Credit Report and Business Information
Haworths Financial Services Limited Competitor Analysis
Perform a competitor analysis for haworths financial services limited by selecting its closest rivals, whether from the FINANCIAL AND INSURANCE ACTIVITIES sector, other small companies, companies in BB12 area or any other competitors across 12 key performance metrics.
haworths financial services limited Ownership
HAWORTHS FINANCIAL SERVICES LIMITED group structure
Haworths Financial Services Limited has no subsidiary companies.
Ultimate parent company
JOHN MCGREGOR HAWORTHS FINANCIAL SER LTD
#0118304
1 parent
HAWORTHS FINANCIAL SERVICES LIMITED
05062508
haworths financial services limited directors
Haworths Financial Services Limited currently has 3 directors. The longest serving directors include Mr John McGregor (Sep 2007) and Mrs Diane Broadhead (Nov 2024).
| officer | country | age | start | end | role |
|---|---|---|---|---|---|
| Mr John McGregor | 66 years | Sep 2007 | - | Director | |
| Mrs Diane Broadhead | England | 45 years | Nov 2024 | - | Director |
| Mr Stuart Walker | United Kingdom | 52 years | Jan 2025 | - | Director |
P&L
March 2024turnover
1.6m
0%
operating profit
108.9k
0%
gross margin
55.7%
-4.21%
turnover
Turnover, or revenue, is the amount of sales generated by a company within the financial year.
Balance Sheet
March 2024net assets
103.2k
+0.79%
total assets
658.3k
-0.02%
cash
54.6k
-0.27%
net assets
Total assets minus all liabilities
haworths financial services limited company details
company number
05062508
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
March 2004
age
21
incorporated
UK
ultimate parent company
accounts
Total Exemption Full
last accounts submitted
March 2024
previous names
N/A
accountant
PRINCIPLE ACCOUNTING LIMITED
auditor
-
address
ribble court 1 mead way, padiham, burnley, lancashire, BB12 7NG
Bank
-
Legal Advisor
-
haworths financial services 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 3 charges/mortgages relating to haworths financial services limited. Currently there are 1 open charges and 2 have been satisfied in the past.
haworths financial services 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.
Click to start generating capital raising & share issue transactions for HAWORTHS FINANCIAL SERVICES LIMITED. This can take several minutes, an email will notify you when this has completed.
haworths financial services limited Companies House Filings - See Documents
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