leisure home insurance plc
leisure home insurance plc Company Information
Company Number
05076754
Next Accounts
Mar 2025
Industry
Activities of insurance agents and brokers
Shareholders
naco services ltd
terence william john o'dell
View AllGroup Structure
View All
Contact
Registered Address
37 clacton road, leisurefame house, st osyth, essex, CO16 8PA
Website
www.leisurehomeinsurance.comleisure home insurance plc Estimated Valuation
Pomanda estimates the enterprise value of LEISURE HOME INSURANCE PLC at £412k based on a Turnover of £514.6k and 0.8x industry multiple (adjusted for size and gross margin).
leisure home insurance plc Estimated Valuation
Pomanda estimates the enterprise value of LEISURE HOME INSURANCE PLC at £17.2k based on an EBITDA of £3.6k and a 4.78x industry multiple (adjusted for size and gross margin).
leisure home insurance plc Estimated Valuation
Pomanda estimates the enterprise value of LEISURE HOME INSURANCE PLC at £984k based on Net Assets of £538.6k and 1.83x industry multiple (adjusted for liquidity).
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Leisure Home Insurance Plc Overview
Leisure Home Insurance Plc is a live company located in st osyth, CO16 8PA with a Companies House number of 05076754. It operates in the activities of insurance agents and brokers sector, SIC Code 66220. Founded in March 2004, it's largest shareholder is naco services ltd with a 35% stake. Leisure Home Insurance Plc is a mature, small sized company, Pomanda has estimated its turnover at £514.6k with declining growth in recent years.
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Leisure Home Insurance Plc Health Check
Pomanda's financial health check has awarded Leisure Home Insurance Plc a 1.5 rating. We use a traffic light system to show it exceeds the industry average on 2 measures and has 8 areas for improvement. Company Health Check FAQs
2 Strong
0 Regular
8 Weak
Size
annual sales of £514.6k, make it smaller than the average company (£2.9m)
£514.6k - Leisure Home Insurance Plc
£2.9m - Industry AVG
Growth
3 year (CAGR) sales growth of -5%, show it is growing at a slower rate (5.9%)
-5% - Leisure Home Insurance Plc
5.9% - Industry AVG
Production
with a gross margin of 45.1%, this company has a higher cost of product (96.5%)
45.1% - Leisure Home Insurance Plc
96.5% - Industry AVG
Profitability
an operating margin of 0.7% make it less profitable than the average company (18.1%)
0.7% - Leisure Home Insurance Plc
18.1% - Industry AVG
Employees
with 14 employees, this is below the industry average (19)
14 - Leisure Home Insurance Plc
19 - Industry AVG
Pay Structure
on an average salary of £12.9k, the company has a lower pay structure (£49.1k)
£12.9k - Leisure Home Insurance Plc
£49.1k - Industry AVG
Efficiency
resulting in sales per employee of £36.8k, this is less efficient (£114.4k)
£36.8k - Leisure Home Insurance Plc
£114.4k - Industry AVG
Debtor Days
There is insufficient data available for this Key Performance Indicator!
- - Leisure Home Insurance Plc
- - Industry AVG
Creditor Days
its suppliers are paid after 11 days, this is quicker than average (126 days)
11 days - Leisure Home Insurance Plc
126 days - Industry AVG
Stock Days
There is insufficient data available for this Key Performance Indicator!
- - Leisure Home Insurance Plc
- - Industry AVG
Cash Balance
has cash to cover current liabilities for 7 weeks, this is less cash available to meet short term requirements (35 weeks)
7 weeks - Leisure Home Insurance Plc
35 weeks - Industry AVG
Debt Level
it has a ratio of liabilities to total assets of 16.8%, this is a lower level of debt than the average (60.9%)
16.8% - Leisure Home Insurance Plc
60.9% - Industry AVG
LEISURE HOME INSURANCE PLC financials
Leisure Home Insurance Plc's latest turnover from September 2023 is £514.6 thousand and the company has net assets of £538.6 thousand. According to their latest financial statements, Leisure Home Insurance Plc has 14 employees and maintains cash reserves of £15.2 thousand as reported in the balance sheet.
Data source: Companies House, Pomanda Estimates
| Sep 2023 | Sep 2022 | Sep 2021 | Sep 2020 | Sep 2019 | Sep 2018 | Sep 2017 | Sep 2016 | Sep 2015 | Sep 2014 | Sep 2013 | Sep 2012 | Sep 2011 | Sep 2010 | Sep 2009 | |
|---|---|---|---|---|---|---|---|---|---|---|---|---|---|---|---|
| Turnover | 514,624 | 535,485 | 589,422 | 590,882 | 548,833 | 607,701 | 616,599 | 599,253 | 646,559 | 705,094 | 676,977 | 571,230 | 586,599 | 885,904 | 691,819 |
| Other Income Or Grants | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 |
| Cost Of Sales | 282,544 | 298,192 | 332,256 | 337,722 | 333,990 | 355,995 | 368,895 | 373,233 | 401,439 | 433,057 | 422,661 | 351,186 | 356,915 | 615,398 | 438,321 |
| Gross Profit | 232,080 | 237,293 | 257,166 | 253,160 | 214,843 | 251,706 | 247,704 | 226,020 | 245,120 | 272,037 | 254,316 | 220,044 | 229,684 | 270,506 | 253,498 |
| Admin Expenses | 228,476 | 236,014 | 212,837 | 195,134 | 204,471 | 197,050 | 216,502 | 212,034 | 219,297 | 207,522 | 186,192 | 205,204 | 223,698 | 219,287 | 219,873 |
| Operating Profit | 3,604 | 1,279 | 44,329 | 58,026 | 10,372 | 54,656 | 31,202 | 13,986 | 25,823 | 64,515 | 68,124 | 14,840 | 5,986 | 51,219 | 33,625 |
| Interest Payable | 0 | 0 | 53 | 10,000 | 10,003 | 10,000 | 5,003 | 0 | 0 | 2 | 4,981 | 8,231 | 2 | 0 | 40 |
| Interest Receivable | 522 | 4,277 | 6,866 | 2,255 | 5,427 | 6,010 | 6,294 | 4,775 | 4,545 | 56 | 131 | 52 | 5,310 | 66 | 3,748 |
| Pre-Tax Profit | 4,126 | 5,556 | 51,142 | 50,281 | 5,796 | 50,666 | 32,493 | 18,761 | 30,368 | 64,569 | 63,504 | 6,886 | 11,294 | 51,285 | 37,333 |
| Tax | -783 | -1,056 | -9,717 | -9,553 | -1,101 | -9,627 | -6,348 | -3,910 | -6,074 | -12,914 | -12,701 | -1,685 | -2,313 | -10,762 | -7,997 |
| Profit After Tax | 3,343 | 4,500 | 41,425 | 40,728 | 4,695 | 41,039 | 26,145 | 14,851 | 24,294 | 51,655 | 50,803 | 5,201 | 8,981 | 40,523 | 29,336 |
| Dividends Paid | 40,000 | 25,000 | 20,000 | 0 | 0 | 0 | 10,000 | 0 | 0 | 15,000 | 13,750 | 0 | 0 | 0 | 0 |
| Retained Profit | -36,657 | -20,500 | 21,425 | 40,728 | 4,695 | 41,039 | 16,145 | 14,851 | 24,294 | 36,655 | 37,053 | 5,201 | 8,981 | 40,523 | 29,336 |
| Employee Costs | 180,534 | 195,023 | 201,361 | 187,940 | 169,181 | 161,605 | 177,302 | 180,557 | 190,712 | 184,042 | 162,235 | 179,608 | 200,384 | 185,759 | |
| Number Of Employees | 14 | 15 | 15 | 15 | 15 | 15 | 12 | 13 | 13 | 13 | 13 | 12 | 11 | ||
| EBITDA* | 3,604 | 1,279 | 44,329 | 58,026 | 10,372 | 54,656 | 31,202 | 13,986 | 25,823 | 64,515 | 68,124 | 14,840 | 5,986 | 51,219 | 33,625 |
* Earnings Before Interest, Tax, Depreciation and Amortisation
| Sep 2023 | Sep 2022 | Sep 2021 | Sep 2020 | Sep 2019 | Sep 2018 | Sep 2017 | Sep 2016 | Sep 2015 | Sep 2014 | Sep 2013 | Sep 2012 | Sep 2011 | Sep 2010 | Sep 2009 | |
|---|---|---|---|---|---|---|---|---|---|---|---|---|---|---|---|
| Tangible Assets | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 |
| Intangible Assets | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 |
| Investments & Other | 1 | 1 | 1 | 1 | 1 | 1 | 1 | 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 | 4,378 | 1,732 | 0 |
| Total Fixed Assets | 1 | 1 | 1 | 1 | 1 | 1 | 1 | 0 | 0 | 0 | 0 | 0 | 4,378 | 1,732 | 0 |
| Stock & work in progress | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 |
| Trade Debtors | 0 | 0 | 5,000 | 0 | 5,500 | 6,000 | 1 | 0 | 4,500 | 0 | 0 | 0 | 0 | 0 | 0 |
| Group Debtors | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 350,353 | 330,739 | 0 | 0 | 0 |
| Misc Debtors | 632,158 | 623,313 | 650,740 | 619,978 | 595,598 | 593,270 | 569,024 | 551,247 | 535,721 | 510,984 | 6,500 | 11,179 | 364,082 | 302,621 | 303,508 |
| Cash | 15,157 | 34,673 | 18,939 | 28,850 | 19,224 | 6,433 | 12,821 | 6,813 | 15,285 | 33,926 | 80,381 | 61,700 | 46,000 | 17,632 | 40,373 |
| misc current assets | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 26,239 | 72,950 | 0 |
| total current assets | 647,315 | 657,986 | 674,679 | 648,828 | 620,322 | 605,703 | 581,846 | 558,060 | 555,506 | 544,910 | 437,234 | 403,618 | 436,321 | 393,203 | 343,881 |
| total assets | 647,316 | 657,987 | 674,680 | 648,829 | 620,323 | 605,704 | 581,847 | 558,060 | 555,506 | 544,910 | 437,234 | 403,618 | 440,699 | 394,935 | 343,881 |
| Bank overdraft | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 95,837 | 19,861 | 41,221 |
| Bank loan | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 |
| Trade Creditors | 8,662 | 2,537 | 21,146 | 15,257 | 1,381 | 1,000 | 14,427 | 15,188 | 20,400 | 19,575 | 12,001 | 14,045 | 2,755 | 41,166 | 2,300 |
| Group/Directors Accounts | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 5,339 | 0 | 0 | 0 | 0 |
| other short term finances | 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 |
| other current liabilities | 100,070 | 80,209 | 57,793 | 59,256 | 85,354 | 75,811 | 79,566 | 71,163 | 78,248 | 92,771 | 23,985 | 30,717 | 19,702 | 20,484 | 27,459 |
| total current liabilities | 108,732 | 82,746 | 78,939 | 74,513 | 86,735 | 76,811 | 93,993 | 86,351 | 98,648 | 112,346 | 41,325 | 44,762 | 118,294 | 81,511 | 70,980 |
| loans | 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 |
| Accruals and Deferred Income | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 |
| other liabilities | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 |
| provisions | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 |
| total long term liabilities | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 |
| total liabilities | 108,732 | 82,746 | 78,939 | 74,513 | 86,735 | 76,811 | 93,993 | 86,351 | 98,648 | 112,346 | 41,325 | 44,762 | 118,294 | 81,511 | 70,980 |
| net assets | 538,584 | 575,241 | 595,741 | 574,316 | 533,588 | 528,893 | 487,854 | 471,709 | 456,858 | 432,564 | 395,909 | 358,856 | 322,405 | 313,424 | 272,901 |
| total shareholders funds | 538,584 | 575,241 | 595,741 | 574,316 | 533,588 | 528,893 | 487,854 | 471,709 | 456,858 | 432,564 | 395,909 | 358,856 | 322,405 | 313,424 | 272,901 |
| Sep 2023 | Sep 2022 | Sep 2021 | Sep 2020 | Sep 2019 | Sep 2018 | Sep 2017 | Sep 2016 | Sep 2015 | Sep 2014 | Sep 2013 | Sep 2012 | Sep 2011 | Sep 2010 | Sep 2009 | |
|---|---|---|---|---|---|---|---|---|---|---|---|---|---|---|---|
| Operating Activities | |||||||||||||||
| Operating Profit | 3,604 | 1,279 | 44,329 | 58,026 | 10,372 | 54,656 | 31,202 | 13,986 | 25,823 | 64,515 | 68,124 | 14,840 | 5,986 | 51,219 | 33,625 |
| Depreciation | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 |
| Amortisation | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 |
| Tax | -783 | -1,056 | -9,717 | -9,553 | -1,101 | -9,627 | -6,348 | -3,910 | -6,074 | -12,914 | -12,701 | -1,685 | -2,313 | -10,762 | -7,997 |
| Stock | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 |
| Debtors | 8,845 | -32,427 | 35,762 | 18,880 | 1,828 | 30,245 | 17,778 | 11,026 | 29,237 | 154,131 | 14,935 | -26,542 | 64,107 | 845 | 303,508 |
| Creditors | 6,125 | -18,609 | 5,889 | 13,876 | 381 | -13,427 | -761 | -5,212 | 825 | 7,574 | -2,044 | 11,290 | -38,411 | 38,866 | 2,300 |
| Accruals and Deferred Income | 19,861 | 22,416 | -1,463 | -26,098 | 9,543 | -3,755 | 8,403 | -7,085 | -14,523 | 68,786 | -6,732 | 11,015 | -782 | -6,975 | 27,459 |
| Deferred Taxes & Provisions | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 |
| Cash flow from operations | 19,962 | 36,457 | 3,276 | 17,371 | 17,367 | -2,398 | 14,718 | -13,247 | -23,186 | -26,170 | 31,712 | 62,002 | -99,627 | 71,503 | -248,121 |
| Investing Activities | |||||||||||||||
| capital expenditure | 0 | 0 | 0 | 0 | 0 | 0 | -1 | 0 | 0 | 0 | 0 | 0 | 0 | ||
| Change in Investments | 0 | 0 | 0 | 0 | 0 | 0 | 1 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 |
| cash flow from investments | 0 | 0 | 0 | 0 | 0 | 0 | -2 | 0 | 0 | 0 | 0 | 0 | 0 | ||
| Financing Activities | |||||||||||||||
| Bank loans | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 |
| Group/Directors Accounts | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | -5,339 | 5,339 | 0 | 0 | 0 | 0 |
| Other Short Term Loans | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 |
| Long term loans | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 |
| Hire Purchase and Lease Commitments | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 |
| other long term liabilities | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 |
| share issue | |||||||||||||||
| interest | 522 | 4,277 | 6,813 | -7,745 | -4,576 | -3,990 | 1,291 | 4,775 | 4,545 | 54 | -4,850 | -8,179 | 5,308 | 66 | 3,708 |
| cash flow from financing | 522 | 4,277 | 6,813 | -7,745 | -4,576 | -3,990 | 1,291 | 4,775 | 4,545 | -5,285 | 489 | 23,071 | 5,308 | 66 | 247,273 |
| cash and cash equivalents | |||||||||||||||
| cash | -19,516 | 15,734 | -9,911 | 9,626 | 12,791 | -6,388 | 6,008 | -8,472 | -18,641 | -46,455 | 18,681 | 15,700 | 28,368 | -22,741 | 40,373 |
| overdraft | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | -95,837 | 75,976 | -21,360 | 41,221 |
| change in cash | -19,516 | 15,734 | -9,911 | 9,626 | 12,791 | -6,388 | 6,008 | -8,472 | -18,641 | -46,455 | 18,681 | 111,537 | -47,608 | -1,381 | -848 |
leisure home insurance plc Credit Report and Business Information
Leisure Home Insurance Plc Competitor Analysis
Perform a competitor analysis for leisure home insurance plc by selecting its closest rivals, whether from the FINANCIAL AND INSURANCE ACTIVITIES sector, other small companies, companies in CO16 area or any other competitors across 12 key performance metrics.
leisure home insurance plc Ownership
LEISURE HOME INSURANCE PLC group structure
Leisure Home Insurance Plc has 1 subsidiary company.
Ultimate parent company
LEISURE HOME INSURANCE PLC
05076754
1 subsidiary
leisure home insurance plc directors
Leisure Home Insurance Plc currently has 4 directors. The longest serving directors include Mr Brian Peaper (Mar 2004) and Mr Terence O'Dell (Mar 2004).
| officer | country | age | start | end | role |
|---|---|---|---|---|---|
| Mr Brian Peaper | England | 77 years | Mar 2004 | - | Director |
| Mr Terence O'Dell | England | 77 years | Mar 2004 | - | Director |
| Mr Stephen Munro | England | 66 years | Mar 2004 | - | Director |
| Mr Daniel Ellacott | England | 45 years | Jun 2016 | - | Director |
P&L
September 2023turnover
514.6k
-4%
operating profit
3.6k
+182%
gross margin
45.1%
+1.77%
turnover
Turnover, or revenue, is the amount of sales generated by a company within the financial year.
Balance Sheet
September 2023net assets
538.6k
-0.06%
total assets
647.3k
-0.02%
cash
15.2k
-0.56%
net assets
Total assets minus all liabilities
leisure home insurance plc company details
company number
05076754
Type
Public limited with Share Capital
industry
66220 - Activities of insurance agents and brokers
incorporation date
March 2004
age
20
incorporated
UK
ultimate parent company
accounts
Full Accounts
last accounts submitted
September 2023
previous names
naco insurance services plc (March 2006)
accountant
-
auditor
AZETS AUDIT SERVICES
address
37 clacton road, leisurefame house, st osyth, essex, CO16 8PA
Bank
HSBC BANK PLC
Legal Advisor
-
leisure home insurance plc 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 did not find charges/mortgages relating to leisure home insurance plc.
leisure home insurance plc Capital Raised & Share Issues BETA
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leisure home insurance plc Companies House Filings - See Documents
| date | description | view/download |
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