Pomanda estimates the enterprise value of BSG FINANCIAL SOLUTIONS LIMITED at £591.7k based on a Turnover of £1.1m and 0.56x industry multiple (adjusted for size and gross margin).
Pomanda estimates the enterprise value of BSG FINANCIAL SOLUTIONS LIMITED at £2.1m based on an EBITDA of £518k and a 4.11x industry multiple (adjusted for size and gross margin).
Pomanda estimates the enterprise value of BSG FINANCIAL SOLUTIONS LIMITED at £4.4m based on Net Assets of £2.1m and 2.13x industry multiple (adjusted for liquidity).
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Bsg Financial Solutions LimitedOverview
Bsg Financial Solutions Limited is a live company located in hertfordshire, AL1 3TF with a Companies House number of 05263505. It operates in the other business support service activities n.e.c. sector, SIC Code 82990. Founded in October 2004, it's largest shareholder is
bsg topco limited
with a 100% stake. Bsg Financial Solutions Limited is a mature,
small sized company, Pomanda has estimated its turnover at
£1.1m with
healthy
growth in recent years.
Pomanda's financial health check has awarded Bsg Financial Solutions Limited a 4 rating. We use a traffic light system to show it exceeds the industry average on 3 measures and has 4 areas for improvement. Company Health Check FAQs
Health Rating4out of 5
3 Strong
3 Regular
4 Weak
Size
annual sales of £1.1m, make it smaller than the average company (£3.7m)
£1.1m - Bsg Financial Solutions Limited
£3.7m - Industry AVG
Growth
3 year (CAGR) sales growth of 9%, show it is growing at a similar rate (8.2%)
9% - Bsg Financial Solutions Limited
8.2% - Industry AVG
Production
with a gross margin of 38.1%, this company has a comparable cost of product (38.1%)
38.1% - Bsg Financial Solutions Limited
38.1% - Industry AVG
Profitability
an operating margin of 47.1% make it more profitable than the average company (5.7%)
47.1% - Bsg Financial Solutions Limited
5.7% - Industry AVG
Employees
with 13 employees, this is below the industry average (22)
13 - Bsg Financial Solutions Limited
22 - Industry AVG
Pay Structure
on an average salary of £46.5k, the company has an equivalent pay structure (£46.5k)
£46.5k - Bsg Financial Solutions Limited
£46.5k - Industry AVG
Efficiency
resulting in sales per employee of £81.1k, this is less efficient (£145.9k)
£81.1k - Bsg Financial Solutions Limited
£145.9k - Industry AVG
Debtor Days
There is insufficient data available for this Key Performance Indicator!
- - Bsg Financial Solutions Limited
- - Industry AVG
Creditor Days
its suppliers are paid after 11 days, this is quicker than average (33 days)
11 days - Bsg Financial Solutions Limited
33 days - Industry AVG
Stock Days
There is insufficient data available for this Key Performance Indicator!
- - Bsg Financial Solutions Limited
- - Industry AVG
Cash Balance
has cash to cover current liabilities
for 92 weeks, this is more cash available to meet short term requirements (26 weeks)
92 weeks - Bsg Financial Solutions Limited
26 weeks - Industry AVG
Debt Level
it has a ratio of liabilities to total assets of 12.9%, this is a lower level of debt than the average (58.8%)
12.9% - Bsg Financial Solutions Limited
58.8% - Industry AVG
BSG FINANCIAL SOLUTIONS LIMITED financials
EXPORT
Bsg Financial Solutions Limited's latest turnover from March 2024 is estimated at £1.1 million and the company has net assets of £2.1 million. According to their latest financial statements, Bsg Financial Solutions Limited has 13 employees and maintains cash reserves of £536.2 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
1,054,240
1,000,632
864,326
813,079
893,950
1,207,508
1,997,591
1,935,296
2,311,759
1,123,611
1,011,653
1,167,406
1,085,596
913,500
1,043,938
Other Income Or Grants
Cost Of Sales
652,285
613,323
536,210
509,826
553,877
751,485
1,238,302
1,183,363
1,442,119
711,279
644,897
740,014
669,764
548,727
621,823
Gross Profit
401,955
387,310
328,115
303,254
340,073
456,023
759,289
751,933
869,640
412,332
366,756
427,392
415,832
364,773
422,115
Admin Expenses
-94,288
-120,255
-379,170
356,081
-618,310
479,465
721,000
845,313
833,268
293,430
111,320
175,812
330,838
115,619
180,083
Operating Profit
496,243
507,565
707,285
-52,827
958,383
-23,442
38,289
-93,380
36,372
118,902
255,436
251,580
84,994
249,154
242,032
Interest Payable
2,278
4,638
3,375
1,525
8,975
11,127
4,605
36,347
78,189
10,279
1,598
6,103
35,618
Interest Receivable
36,352
33,133
2,995
176
234
1,789
902
235
477
8
93
6
Pre-Tax Profit
530,317
536,060
706,905
-54,176
958,617
-21,653
30,216
-104,272
32,244
82,555
177,255
241,301
83,489
243,057
206,414
Tax
-132,579
-101,851
-134,312
-182,137
-5,741
-6,449
-76,832
-52,688
-69,667
-26,215
-26,315
-46,433
Profit After Tax
397,738
434,209
572,593
-54,176
776,480
-21,653
24,475
-104,272
25,795
5,723
124,567
171,634
57,274
216,742
159,981
Dividends Paid
225,872
105,000
133,000
70,750
142,354
97,000
Retained Profit
397,738
434,209
572,593
-54,176
776,480
-21,653
24,475
-104,272
25,795
-220,149
19,567
38,634
-13,476
74,388
62,981
Employee Costs
604,685
581,974
507,032
481,999
477,288
694,221
581,838
569,037
641,795
319,581
282,138
347,891
312,429
273,886
318,500
Number Of Employees
13
13
12
12
12
18
16
16
18
9
8
10
9
8
9
EBITDA*
518,040
528,195
724,310
-30,656
967,990
83,405
181,406
159,591
335,040
403,780
535,616
523,816
362,049
396,754
353,903
* 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
22,230
22,362
9,361
10,509
17,814
24,331
22,388
9,437
79,931
68,711
81,014
68,900
51,890
79,817
104,797
Intangible Assets
9,974
24,840
39,706
54,572
69,438
84,305
184,410
321,896
435,519
708,094
850,670
1,110,766
1,370,862
943,580
1,066,200
Investments & Other
Debtors (Due After 1 year)
3,176
1,986
1,986
2,860
3,060
1,961
1,961
Total Fixed Assets
32,204
47,202
52,243
67,067
89,238
111,496
209,858
333,294
517,411
776,805
931,684
1,179,666
1,422,752
1,023,397
1,170,997
Stock & work in progress
Trade Debtors
1,059
Group Debtors
1,631,780
1,177,172
1,107,412
446,457
451,030
33,907
31,381
46,913
16,434
31,565
73,178
3,355
Misc Debtors
19,238
30,750
42,433
1,052,485
31,312
7,012
26,327
156,508
75,772
35,387
22,235
1,343
1,087
1,751
Cash
536,208
848,626
710,568
87,975
264,000
204,892
272,148
88,588
99,485
91,470
153,793
102,444
44,915
52,351
399,829
misc current assets
136,390
total current assets
2,323,616
2,056,548
1,860,413
1,586,917
746,342
245,811
303,529
161,828
272,427
198,807
262,358
124,679
47,317
53,438
404,935
total assets
2,355,820
2,103,750
1,912,656
1,653,984
835,580
357,307
513,387
495,122
789,838
975,612
1,194,042
1,304,345
1,470,069
1,076,835
1,575,932
Bank overdraft
276,147
62,926
61,778
114,780
Bank loan
40,494
10,648
17,000
114,780
15,180
Trade Creditors
20,391
14,587
20,726
22,319
29,613
1,800
Group/Directors Accounts
15,246
258,000
other short term finances
hp & lease commitments
10,344
9,365
4,095
21,619
19,891
other current liabilities
281,069
392,295
620,778
933,106
103,232
45,582
109,119
35,468
147,829
145,738
73,050
300,883
1,020,148
529,484
515,405
total current liabilities
301,460
447,376
652,152
955,425
132,845
47,382
109,119
326,861
227,755
217,860
197,195
419,758
1,020,148
551,103
808,476
loans
39,352
50,000
619,705
hp & lease commitments
13,721
24,065
14,735
20,032
41,652
Accruals and Deferred Income
other liabilities
383,670
456,360
244,828
534,378
742,121
750,723
667,360
286,063
327,907
provisions
1,261
1,013
459
3,153
total long term liabilities
1,261
1,013
39,352
50,000
383,670
456,360
244,828
534,378
755,842
774,788
682,095
286,063
348,398
664,510
total liabilities
302,721
448,389
691,504
1,005,425
132,845
431,052
565,479
571,689
762,133
973,702
971,983
1,101,853
1,306,211
899,501
1,472,986
net assets
2,053,099
1,655,361
1,221,152
648,559
702,735
-73,745
-52,092
-76,567
27,705
1,910
222,059
202,492
163,858
177,334
102,946
total shareholders funds
2,053,099
1,655,361
1,221,152
648,559
702,735
-73,745
-52,092
-76,567
27,705
1,910
222,059
202,492
163,858
177,334
102,946
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
496,243
507,565
707,285
-52,827
958,383
-23,442
38,289
-93,380
36,372
118,902
255,436
251,580
84,994
249,154
242,032
Depreciation
6,931
5,764
2,159
7,305
9,607
6,742
5,631
115,485
26,093
17,502
20,084
12,140
16,959
24,980
31,871
Amortisation
14,866
14,866
14,866
14,866
100,105
137,486
137,486
272,575
267,376
260,096
260,096
260,096
122,620
80,000
Tax
-132,579
-101,851
-134,312
-182,137
-5,741
-6,449
-76,832
-52,688
-69,667
-26,215
-26,315
-46,433
Stock
Debtors
443,096
54,901
-347,907
1,016,600
440,549
9,338
-40,760
-99,702
67,566
-1,228
86,330
19,833
1,315
-4,019
5,106
Creditors
5,804
-6,139
-1,593
-7,294
27,813
1,800
Accruals and Deferred Income
-111,226
-228,483
-312,328
829,874
57,650
-63,537
73,651
-112,361
2,091
72,688
-227,833
-719,265
490,664
14,079
515,405
Deferred Taxes & Provisions
248
1,013
-459
-2,694
3,153
Cash flow from operations
-162,809
137,834
623,984
-224,676
430,767
12,330
290,076
146,932
263,116
400,864
168,765
-284,949
824,724
385,843
820,922
Investing Activities
capital expenditure
-6,799
-18,765
-1,011
11,777
-8,685
-18,582
-68,854
-37,313
-129,999
-32,198
-29,150
-676,410
-1,282,868
Change in Investments
cash flow from investments
-6,799
-18,765
-1,011
11,777
-8,685
-18,582
-68,854
-37,313
-129,999
-32,198
-29,150
-676,410
-1,282,868
Financing Activities
Bank loans
-40,494
29,846
10,648
-17,000
17,000
-114,780
114,780
-15,180
15,180
Group/Directors Accounts
-15,246
15,246
-258,000
258,000
Other Short Term Loans
Long term loans
-39,352
-10,648
50,000
-619,705
619,705
Hire Purchase and Lease Commitments
-24,065
-9,365
14,600
18,830
-41,651
-19,892
61,543
other long term liabilities
-383,670
-72,690
211,532
-289,550
-207,743
-8,602
83,363
381,297
-41,844
327,907
share issue
39,965
interest
34,074
28,495
-380
-1,349
234
1,789
-8,073
-10,892
-4,128
-36,347
-78,181
-10,279
-1,505
-6,097
-35,618
cash flow from financing
-6,420
18,989
-380
48,651
-383,436
-70,901
188,213
-302,196
-218,936
-54,314
-94,998
504,628
-85,000
-590,967
958,775
cash and cash equivalents
cash
-312,418
138,058
622,593
-176,025
59,108
-67,256
183,560
-10,897
8,015
-62,323
51,349
57,529
-7,436
-347,478
399,829
overdraft
-276,147
213,221
1,148
-53,002
114,780
change in cash
-312,418
138,058
622,593
-176,025
59,108
-67,256
459,707
-224,118
6,867
-9,321
-63,431
57,529
-7,436
-347,478
399,829
bsg financial solutions limited Credit Report and Business Information
Very Low Risk70 - 100
Low Risk50 - 70
Moderate Risk30 - 50
High Risk20 - 30
Very High Risk0 - 20
Get a comprehensive credit check for bsg financial solutions limited. Get real-time insights into bsg financial solutions limited's credit score, group structure and payment trends.
Perform a competitor analysis for bsg financial solutions limited by selecting its closest rivals, whether from the ADMINISTRATIVE AND SUPPORT SERVICE ACTIVITIES sector, other small companies, companies in AL1 area or any other competitors across 12 key performance metrics.
bsg financial solutions limited Ownership
BSG FINANCIAL SOLUTIONS LIMITED group structure
Bsg Financial Solutions Limited has no subsidiary companies.
The sole shareholder of Bsg Financial Solutions Limited is Bsg Topco Limited.
bsg topco limited
100%
bsg financial solutions limited directors
Bsg Financial Solutions Limited currently has 4 directors.
The longest serving directors include
Mr Nigel Preece (Jun 2011) and
Mr Stefan Lubek (Jul 2020).
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 bsg financial solutions limited. Currently there are 0 open charges and 3 have been satisfied in the past.
bsg financial solutions 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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bsg financial solutions limitedCompanies House Filings - See Documents
