affinity financial awareness limited
affinity financial awareness limited Company Information
Company Number
05246999
Next Accounts
Sep 2025
Industry
Other financial service activities, except insurance and pension funding, (not including security dealing on own account and factoring) n.e.c.
Shareholders
the farleigh group limited
Group Structure
View All
Contact
Registered Address
third floor 5 st paul's square, liverpool, L3 9SJ
Website
www.affinityadvise.co.ukaffinity financial awareness limited Estimated Valuation
Pomanda estimates the enterprise value of AFFINITY FINANCIAL AWARENESS LIMITED at £4.1m based on a Turnover of £2.2m and 1.87x industry multiple (adjusted for size and gross margin).
affinity financial awareness limited Estimated Valuation
Pomanda estimates the enterprise value of AFFINITY FINANCIAL AWARENESS LIMITED at £7.8m based on an EBITDA of £1.1m and a 6.9x industry multiple (adjusted for size and gross margin).
affinity financial awareness limited Estimated Valuation
Pomanda estimates the enterprise value of AFFINITY FINANCIAL AWARENESS LIMITED at £3.8m based on Net Assets of £2.9m and 1.31x industry multiple (adjusted for liquidity).
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Affinity Financial Awareness Limited Overview
Affinity Financial Awareness Limited is a live company located in liverpool, L3 9SJ with a Companies House number of 05246999. It operates in the financial intermediation not elsewhere classified sector, SIC Code 64999. Founded in September 2004, it's largest shareholder is the farleigh group limited with a 100% stake. Affinity Financial Awareness Limited is a mature, small sized company, Pomanda has estimated its turnover at £2.2m with low growth in recent years.
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Affinity Financial Awareness Limited Health Check
Pomanda's financial health check has awarded Affinity Financial Awareness Limited a 5 rating. We use a traffic light system to show it exceeds the industry average on 5 measures and has 3 areas for improvement. Company Health Check FAQs
5 Strong
1 Regular
3 Weak
Size
annual sales of £2.2m, make it smaller than the average company (£5.4m)
£2.2m - Affinity Financial Awareness Limited
£5.4m - Industry AVG
Growth
3 year (CAGR) sales growth of 1%, show it is growing at a slower rate (5%)
1% - Affinity Financial Awareness Limited
5% - Industry AVG
Production
with a gross margin of 100%, this company has a lower cost of product (59.1%)
100% - Affinity Financial Awareness Limited
59.1% - Industry AVG
Profitability
an operating margin of 51.1% make it more profitable than the average company (9.1%)
51.1% - Affinity Financial Awareness Limited
9.1% - Industry AVG
Employees
with 10 employees, this is below the industry average (15)
10 - Affinity Financial Awareness Limited
15 - Industry AVG
Pay Structure
on an average salary of £33.1k, the company has a lower pay structure (£84.1k)
£33.1k - Affinity Financial Awareness Limited
£84.1k - Industry AVG
Efficiency
resulting in sales per employee of £218.8k, this is equally as efficient (£233.3k)
£218.8k - Affinity Financial Awareness Limited
£233.3k - Industry AVG
Debtor Days
There is insufficient data available for this Key Performance Indicator!
- - Affinity Financial Awareness Limited
- - Industry AVG
Creditor Days
There is insufficient data available for this Key Performance Indicator!
- - Affinity Financial Awareness Limited
- - Industry AVG
Stock Days
There is insufficient data available for this Key Performance Indicator!
- - Affinity Financial Awareness Limited
- - Industry AVG
Cash Balance
has cash to cover current liabilities for 72 weeks, this is more cash available to meet short term requirements (36 weeks)
72 weeks - Affinity Financial Awareness Limited
36 weeks - Industry AVG
Debt Level
it has a ratio of liabilities to total assets of 7.5%, this is a lower level of debt than the average (58.7%)
7.5% - Affinity Financial Awareness Limited
58.7% - Industry AVG
AFFINITY FINANCIAL AWARENESS LIMITED financials
Affinity Financial Awareness Limited's latest turnover from December 2023 is £2.2 million and the company has net assets of £2.9 million. According to their latest financial statements, Affinity Financial Awareness Limited has 10 employees and maintains cash reserves of £323 thousand as reported in the balance sheet.
Data source: Companies House, Pomanda Estimates
| Dec 2023 | Dec 2022 | Dec 2021 | Dec 2020 | Dec 2019 | Dec 2018 | Dec 2017 | Dec 2016 | Dec 2015 | Dec 2014 | Dec 2013 | Dec 2012 | Dec 2011 | Dec 2010 | Dec 2009 | |
|---|---|---|---|---|---|---|---|---|---|---|---|---|---|---|---|
| Turnover | 2,188,000 | 2,259,000 | 2,350,000 | 2,103,000 | 2,236,000 | 2,336,000 | 2,697,000 | 6,519,000 | 8,312,000 | ||||||
| Other Income Or Grants | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | ||||||
| Cost Of Sales | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 3,552,000 | 4,102,000 | ||||||
| Gross Profit | 2,188,000 | 2,259,000 | 2,350,000 | 2,103,000 | 2,236,000 | 2,336,000 | 2,697,000 | 2,967,000 | 4,210,000 | ||||||
| Admin Expenses | 1,069,000 | 1,040,000 | 1,187,000 | 1,432,000 | 641,000 | 1,210,000 | 2,749,000 | 3,513,000 | 3,046,000 | ||||||
| Operating Profit | 1,119,000 | 1,219,000 | 1,163,000 | 671,000 | 1,595,000 | 1,126,000 | -52,000 | -546,000 | 1,164,000 | ||||||
| Interest Payable | 0 | 0 | 1,000 | 0 | 0 | 0 | |||||||||
| Interest Receivable | 0 | 0 | 0 | 0 | 0 | 0 | 1,000 | 7,000 | 22,000 | ||||||
| Pre-Tax Profit | 1,119,000 | 1,219,000 | 1,162,000 | 671,000 | 1,595,000 | 1,126,000 | -51,000 | -539,000 | 1,186,000 | ||||||
| Tax | -267,000 | -232,000 | -221,000 | -127,000 | -301,000 | -218,000 | 104,000 | 4,000 | -243,000 | ||||||
| Profit After Tax | 852,000 | 987,000 | 941,000 | 544,000 | 1,294,000 | 908,000 | 53,000 | -535,000 | 943,000 | ||||||
| Dividends Paid | 1,520,000 | 0 | 1,700,000 | 0 | 0 | 60,000 | 0 | 600,000 | 86,000 | ||||||
| Retained Profit | -668,000 | 987,000 | -759,000 | 544,000 | 1,294,000 | 848,000 | 53,000 | -1,135,000 | 857,000 | ||||||
| Employee Costs | 331,000 | 220,000 | 195,000 | 253,000 | 276,000 | 311,000 | 324,000 | 1,792,000 | 1,958,000 | ||||||
| Number Of Employees | 10 | 7 | 7 | 11 | 12 | 10 | 11 | 54 | 53 | ||||||
| EBITDA* | 1,126,000 | 1,230,000 | 1,185,000 | 695,000 | 1,629,000 | 1,164,000 | -16,000 | -536,000 | 1,191,000 |
* Earnings Before Interest, Tax, Depreciation and Amortisation
| Dec 2023 | Dec 2022 | Dec 2021 | Dec 2020 | Dec 2019 | Dec 2018 | Dec 2017 | Dec 2016 | Dec 2015 | Dec 2014 | Dec 2013 | Dec 2012 | Dec 2011 | Dec 2010 | Dec 2009 | |
|---|---|---|---|---|---|---|---|---|---|---|---|---|---|---|---|
| Tangible Assets | 15,000 | 22,000 | 21,000 | 45,000 | 63,000 | 78,000 | 112,000 | 33,000 | 40,000 | 44,476 | 48,747 | 49,646 | 41,464 | 22,422 | 22,148 |
| Intangible Assets | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 |
| Investments & Other | 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 |
| Total Fixed Assets | 15,000 | 22,000 | 21,000 | 45,000 | 63,000 | 78,000 | 112,000 | 33,000 | 40,000 | 44,476 | 48,747 | 49,646 | 41,464 | 22,422 | 22,148 |
| Stock & work in progress | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 |
| Trade Debtors | 0 | 0 | 7,000 | 3,000 | 1,000 | 6,000 | 0 | 0 | 1,000 | 535,010 | 550,737 | 528,189 | 338,695 | 362,414 | 329,600 |
| Group Debtors | 2,594,000 | 1,455,000 | 1,449,000 | 1,275,000 | 1,915,000 | 1,119,000 | 585,000 | 778,000 | 0 | 0 | 0 | 0 | 0 | 0 | 0 |
| Misc Debtors | 159,000 | 183,000 | 166,000 | 184,000 | 172,000 | 210,000 | 451,000 | 1,054,000 | 915,000 | 0 | 0 | 0 | 0 | 0 | 0 |
| Cash | 323,000 | 2,132,000 | 1,164,000 | 2,029,000 | 1,067,000 | 542,000 | 253,000 | 1,569,000 | 1,947,000 | 1,403,007 | 1,130,264 | 628,387 | 526,946 | 463,284 | 124,472 |
| misc current assets | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 |
| total current assets | 3,076,000 | 3,770,000 | 2,786,000 | 3,491,000 | 3,155,000 | 1,877,000 | 1,289,000 | 3,401,000 | 2,863,000 | 1,938,017 | 1,681,001 | 1,156,576 | 865,641 | 825,698 | 454,072 |
| total assets | 3,091,000 | 3,792,000 | 2,807,000 | 3,536,000 | 3,218,000 | 1,955,000 | 1,401,000 | 3,434,000 | 2,903,000 | 1,982,493 | 1,729,748 | 1,206,222 | 907,105 | 848,120 | 476,220 |
| Bank overdraft | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 |
| Bank loan | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 |
| Trade Creditors | 9,000 | 99,000 | 19,000 | 16,000 | 36,000 | 114,000 | 84,000 | 17,000 | 19,000 | 1,319,185 | 1,376,243 | 925,356 | 694,186 | 689,964 | 354,565 |
| Group/Directors Accounts | 50,000 | 8,000 | 90,000 | 81,000 | 216,000 | 98,000 | 295,000 | 1,685,000 | 163,000 | 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 |
| hp & lease commitments | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 |
| other current liabilities | 172,000 | 157,000 | 157,000 | 139,000 | 210,000 | 281,000 | 408,000 | 1,364,000 | 1,201,000 | 0 | 0 | 0 | 0 | 0 | 0 |
| total current liabilities | 231,000 | 264,000 | 266,000 | 236,000 | 462,000 | 493,000 | 787,000 | 3,066,000 | 1,383,000 | 1,319,185 | 1,376,243 | 925,356 | 694,186 | 689,964 | 354,565 |
| loans | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 20,000 | 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 | 20,000 | 20,000 | 20,000 | 20,000 | 20,000 | 20,000 |
| provisions | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 7,000 | 4,000 | 3,924 | 0 | 0 | 0 | 0 | 0 |
| total long term liabilities | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 7,000 | 24,000 | 23,924 | 20,000 | 20,000 | 20,000 | 20,000 | 20,000 |
| total liabilities | 231,000 | 264,000 | 266,000 | 236,000 | 462,000 | 493,000 | 787,000 | 3,073,000 | 1,407,000 | 1,343,109 | 1,396,243 | 945,356 | 714,186 | 709,964 | 374,565 |
| net assets | 2,860,000 | 3,528,000 | 2,541,000 | 3,300,000 | 2,756,000 | 1,462,000 | 614,000 | 361,000 | 1,496,000 | 639,384 | 333,505 | 260,866 | 192,919 | 138,156 | 101,655 |
| total shareholders funds | 2,860,000 | 3,528,000 | 2,541,000 | 3,300,000 | 2,756,000 | 1,462,000 | 614,000 | 361,000 | 1,496,000 | 639,384 | 333,505 | 260,866 | 192,919 | 138,156 | 101,655 |
| Dec 2023 | Dec 2022 | Dec 2021 | Dec 2020 | 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 | 1,119,000 | 1,219,000 | 1,163,000 | 671,000 | 1,595,000 | 1,126,000 | -52,000 | -546,000 | 1,164,000 | ||||||
| Depreciation | 7,000 | 11,000 | 22,000 | 24,000 | 34,000 | 38,000 | 36,000 | 10,000 | 27,000 | 28,631 | 30,988 | 27,508 | 21,157 | 16,975 | 13,867 |
| Amortisation | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 |
| Tax | -267,000 | -232,000 | -221,000 | -127,000 | -301,000 | -218,000 | 104,000 | 4,000 | -243,000 | ||||||
| Stock | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 |
| Debtors | 1,115,000 | 16,000 | 160,000 | -626,000 | 753,000 | 299,000 | -796,000 | 916,000 | 380,990 | -15,727 | 22,548 | 189,494 | -23,719 | 32,814 | 329,600 |
| Creditors | -90,000 | 80,000 | 3,000 | -20,000 | -78,000 | 30,000 | 67,000 | -2,000 | -1,300,185 | -57,058 | 450,887 | 231,170 | 4,222 | 335,399 | 354,565 |
| Accruals and Deferred Income | 15,000 | 0 | 18,000 | -71,000 | -71,000 | -127,000 | -956,000 | 163,000 | 1,201,000 | 0 | 0 | 0 | 0 | 0 | 0 |
| Deferred Taxes & Provisions | 0 | 0 | 0 | 0 | 0 | 0 | -7,000 | 3,000 | 76 | 3,924 | 0 | 0 | 0 | 0 | 0 |
| Cash flow from operations | -331,000 | 1,062,000 | 825,000 | 1,103,000 | 426,000 | 550,000 | -12,000 | -1,284,000 | 467,901 | ||||||
| Investing Activities | |||||||||||||||
| capital expenditure | |||||||||||||||
| Change in Investments | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 |
| cash flow from investments | |||||||||||||||
| Financing Activities | |||||||||||||||
| Bank loans | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 |
| Group/Directors Accounts | 42,000 | -82,000 | 9,000 | -135,000 | 118,000 | -197,000 | -1,390,000 | 1,522,000 | 163,000 | 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 |
| Long term loans | 0 | 0 | 0 | 0 | 0 | 0 | 0 | -20,000 | 20,000 | 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 | -20,000 | 0 | 0 | 0 | 0 | 0 | 20,000 |
| share issue | |||||||||||||||
| interest | 0 | 0 | -1,000 | 0 | 0 | 0 | |||||||||
| cash flow from financing | 42,000 | -82,000 | 8,000 | -135,000 | 118,000 | -197,000 | |||||||||
| cash and cash equivalents | |||||||||||||||
| cash | -1,809,000 | 968,000 | -865,000 | 962,000 | 525,000 | 289,000 | -1,316,000 | -378,000 | 543,993 | 272,743 | 501,877 | 101,441 | 63,662 | 338,812 | 124,472 |
| overdraft | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 |
| change in cash | -1,809,000 | 968,000 | -865,000 | 962,000 | 525,000 | 289,000 | -1,316,000 | -378,000 | 543,993 | 272,743 | 501,877 | 101,441 | 63,662 | 338,812 | 124,472 |
affinity financial awareness limited Credit Report and Business Information
Affinity Financial Awareness Limited Competitor Analysis
Perform a competitor analysis for affinity financial awareness limited by selecting its closest rivals, whether from the FINANCIAL AND INSURANCE ACTIVITIES sector, other small companies, companies in L 3 area or any other competitors across 12 key performance metrics.
affinity financial awareness limited Ownership
AFFINITY FINANCIAL AWARENESS LIMITED group structure
Affinity Financial Awareness Limited has no subsidiary companies.
Ultimate parent company
MERCATUS BIDCO LTD
#0142181
2 parents
AFFINITY FINANCIAL AWARENESS LIMITED
05246999
affinity financial awareness limited directors
Affinity Financial Awareness Limited currently has 6 directors. The longest serving directors include Mr Stuart Payne (May 2016) and Mr Mark Hutchinson (May 2016).
| officer | country | age | start | end | role |
|---|---|---|---|---|---|
| Mr Stuart Payne | United Kingdom | 50 years | May 2016 | - | Director |
| Mr Mark Hutchinson | United Kingdom | 68 years | May 2016 | - | Director |
| Mr David Cassidy | United Kingdom | 69 years | May 2016 | - | Director |
| Mr David Cassidy | England | 69 years | May 2016 | - | Director |
| Mr Ian Copelin | United Kingdom | 53 years | Jul 2016 | - | Director |
| Mr Paul Morton | United Kingdom | 55 years | Jul 2016 | - | Director |
P&L
December 2023turnover
2.2m
-3%
operating profit
1.1m
-8%
gross margin
100%
0%
turnover
Turnover, or revenue, is the amount of sales generated by a company within the financial year.
Balance Sheet
December 2023net assets
2.9m
-0.19%
total assets
3.1m
-0.18%
cash
323k
-0.85%
net assets
Total assets minus all liabilities
Similar Companies
affinity financial awareness limited company details
company number
05246999
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
September 2004
age
20
incorporated
UK
ultimate parent company
accounts
Full Accounts
last accounts submitted
December 2023
previous names
N/A
accountant
-
auditor
RSM UK AUDIT LLP
address
third floor 5 st paul's square, liverpool, L3 9SJ
Bank
HSBC BANK PLC
Legal Advisor
-
affinity financial awareness 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 affinity financial awareness limited. Currently there are 0 open charges and 1 have been satisfied in the past.
affinity financial awareness 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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affinity financial awareness limited Companies House Filings - See Documents
| date | description | view/download |
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