bluewater financial services limited
bluewater financial services limited Company Information
Company Number
05266333
Website
www.bluewaterfs.co.ukRegistered Address
fiscal house, 367 london road, camberley, surrey, GU15 3HQ
Industry
Banks
Telephone
01252345309
Next Accounts Due
July 2025
Group Structure
View All
Directors
Paul Nicklinson19 Years
Shareholders
mr paul james nicklinson 100%
bluewater financial services limited Estimated Valuation
Pomanda estimates the enterprise value of BLUEWATER FINANCIAL SERVICES LIMITED at £409k based on a Turnover of £324.2k and 1.26x industry multiple (adjusted for size and gross margin).
bluewater financial services limited Estimated Valuation
Pomanda estimates the enterprise value of BLUEWATER FINANCIAL SERVICES LIMITED at £3.1k based on an EBITDA of £441 and a 6.97x industry multiple (adjusted for size and gross margin).
bluewater financial services limited Estimated Valuation
Pomanda estimates the enterprise value of BLUEWATER FINANCIAL SERVICES LIMITED at £0 based on Net Assets of £-3.6k and 0.88x industry multiple (adjusted for liquidity).
Edit your figures and get a professional valuation report.
Bluewater Financial Services Limited Overview
Bluewater Financial Services Limited is a live company located in camberley, GU15 3HQ with a Companies House number of 05266333. It operates in the banks sector, SIC Code 64191. Founded in October 2004, it's largest shareholder is mr paul james nicklinson with a 100% stake. Bluewater Financial Services Limited is a mature, micro sized company, Pomanda has estimated its turnover at £324.2k with healthy growth in recent years.
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Bluewater Financial Services Limited Health Check
Pomanda's financial health check has awarded Bluewater Financial Services Limited a 1 rating. We use a traffic light system to show it exceeds the industry average on 0 measures and has 6 areas for improvement. Company Health Check FAQs
0 Strong
3 Regular
6 Weak
Size
annual sales of £324.2k, make it smaller than the average company (£72.5m)
- Bluewater Financial Services Limited
£72.5m - Industry AVG
Growth
3 year (CAGR) sales growth of 4%, show it is growing at a slower rate (7.1%)
- Bluewater Financial Services Limited
7.1% - Industry AVG
Production
with a gross margin of 75.7%, this company has a comparable cost of product (75.7%)
- Bluewater Financial Services Limited
75.7% - Industry AVG
Profitability
an operating margin of 0.1% make it less profitable than the average company (17.1%)
- Bluewater Financial Services Limited
17.1% - Industry AVG
Employees
with 1 employees, this is below the industry average (150)
1 - Bluewater Financial Services Limited
150 - Industry AVG
Pay Structure
on an average salary of £95.2k, the company has an equivalent pay structure (£95.2k)
- Bluewater Financial Services Limited
£95.2k - Industry AVG
Efficiency
resulting in sales per employee of £324.2k, this is equally as efficient (£324.2k)
- Bluewater Financial Services Limited
£324.2k - Industry AVG
Debtor Days
There is insufficient data available for this Key Performance Indicator!
- Bluewater Financial Services Limited
- - Industry AVG
Creditor Days
There is insufficient data available for this Key Performance Indicator!
- Bluewater Financial Services Limited
- - Industry AVG
Stock Days
There is insufficient data available for this Key Performance Indicator!
- Bluewater Financial Services Limited
- - Industry AVG
Cash Balance
has cash to cover current liabilities for 0 weeks, this is less cash available to meet short term requirements (10 weeks)
0 weeks - Bluewater Financial Services Limited
10 weeks - Industry AVG
Debt Level
it has a ratio of liabilities to total assets of 146.5%, this is a higher level of debt than the average (90.7%)
146.5% - Bluewater Financial Services Limited
90.7% - Industry AVG
BLUEWATER FINANCIAL SERVICES LIMITED financials
Bluewater Financial Services Limited's latest turnover from October 2023 is estimated at £324.2 thousand and the company has net assets of -£3.6 thousand. According to their latest financial statements, Bluewater Financial Services Limited has 1 employee and maintains cash reserves of £2 as reported in the balance sheet.
Data source: Companies House, Pomanda Estimates
| Oct 2023 | Oct 2022 | Oct 2021 | Oct 2020 | Oct 2019 | Oct 2018 | Oct 2017 | Oct 2016 | Oct 2015 | Oct 2014 | Oct 2013 | Oct 2012 | Oct 2011 | Oct 2010 | Oct 2009 | |
|---|---|---|---|---|---|---|---|---|---|---|---|---|---|---|---|
| Turnover | 55,149 | ||||||||||||||
| Other Income Or Grants | |||||||||||||||
| Cost Of Sales | |||||||||||||||
| Gross Profit | |||||||||||||||
| Admin Expenses | |||||||||||||||
| Operating Profit | 5,968 | ||||||||||||||
| Interest Payable | 2,669 | ||||||||||||||
| Interest Receivable | 177 | ||||||||||||||
| Pre-Tax Profit | 3,476 | ||||||||||||||
| Tax | -695 | ||||||||||||||
| Profit After Tax | 2,781 | ||||||||||||||
| Dividends Paid | 2,600 | ||||||||||||||
| Retained Profit | 181 | ||||||||||||||
| Employee Costs | |||||||||||||||
| Number Of Employees | 1 | 1 | 1 | 1 | 1 | 1 | 1 | ||||||||
| EBITDA* | 6,360 |
* Earnings Before Interest, Tax, Depreciation and Amortisation
| Oct 2023 | Oct 2022 | Oct 2021 | Oct 2020 | Oct 2019 | Oct 2018 | Oct 2017 | Oct 2016 | Oct 2015 | Oct 2014 | Oct 2013 | Oct 2012 | Oct 2011 | Oct 2010 | Oct 2009 | |
|---|---|---|---|---|---|---|---|---|---|---|---|---|---|---|---|
| Tangible Assets | 21 | 28 | 37 | 50 | 66 | 89 | 1,226 | 1,634 | 2,178 | 279 | 372 | 496 | 662 | 883 | 1,178 |
| 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 | 21 | 28 | 37 | 50 | 66 | 89 | 1,226 | 1,634 | 2,178 | 279 | 372 | 496 | 662 | 883 | 1,178 |
| Stock & work in progress | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 |
| Trade Debtors | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 22,409 | 12,001 | 12,795 | 9,302 | 5,880 | 19,806 | 0 |
| Group Debtors | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 |
| Misc Debtors | 2,564 | 11,511 | 23,848 | 13,954 | 14,198 | 33,337 | 28,526 | 29,263 | 0 | 0 | 0 | 0 | 0 | 0 | 18,424 |
| Cash | 2 | 2 | 2 | 4,078 | 2 | 0 | 0 | 3 | 3 | 3 | 3 | 3 | 2,802 | 3 | 3,502 |
| misc current assets | 5,058 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 |
| total current assets | 7,624 | 11,513 | 23,850 | 18,032 | 14,200 | 33,337 | 28,526 | 29,266 | 22,412 | 12,004 | 12,798 | 9,305 | 8,682 | 19,809 | 21,926 |
| total assets | 7,645 | 11,541 | 23,887 | 18,082 | 14,266 | 33,426 | 29,752 | 30,900 | 24,590 | 12,283 | 13,170 | 9,801 | 9,344 | 20,692 | 23,104 |
| Bank overdraft | 2,658 | 4,238 | 3,493 | 157 | 3,062 | 2,668 | 3,342 | 2,571 | 0 | 0 | 0 | 0 | 0 | 0 | 9,246 |
| Bank loan | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 |
| Trade Creditors | 0 | 0 | 497 | 1 | 1 | 2 | 2 | 0 | 22,628 | 11,995 | 12,931 | 9,567 | 9,100 | 20,102 | 0 |
| Group/Directors Accounts | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 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 | 437 | 875 | 0 | 0 | 0 | 0 | 0 | 0 | 0 |
| other current liabilities | 5,979 | 6,594 | 14,319 | 10,865 | 10,978 | 30,536 | 25,527 | 26,487 | 0 | 0 | 0 | 0 | 0 | 0 | 6,537 |
| total current liabilities | 8,637 | 10,832 | 18,309 | 11,023 | 14,041 | 33,206 | 29,308 | 29,933 | 22,628 | 11,995 | 12,931 | 9,567 | 9,100 | 20,102 | 15,783 |
| loans | 2,565 | 3,962 | 5,361 | 6,836 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 6,823 |
| hp & lease commitments | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 437 | 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 | 1,312 | 0 | 0 | 0 | 0 | 297 | 0 |
| provisions | 0 | 0 | 7 | 10 | 13 | 17 | 233 | 327 | 436 | 56 | 0 | 2 | 12 | 28 | 50 |
| total long term liabilities | 2,565 | 3,962 | 5,368 | 6,846 | 13 | 17 | 233 | 764 | 1,748 | 56 | 0 | 2 | 12 | 325 | 6,873 |
| total liabilities | 11,202 | 14,794 | 23,677 | 17,869 | 14,054 | 33,223 | 29,541 | 30,697 | 24,376 | 12,051 | 12,931 | 9,569 | 9,112 | 20,427 | 22,656 |
| net assets | -3,557 | -3,253 | 210 | 213 | 212 | 203 | 211 | 203 | 214 | 232 | 239 | 232 | 232 | 265 | 448 |
| total shareholders funds | -3,557 | -3,253 | 210 | 213 | 212 | 203 | 211 | 203 | 214 | 232 | 239 | 232 | 232 | 265 | 448 |
| Oct 2023 | Oct 2022 | Oct 2021 | Oct 2020 | Oct 2019 | Oct 2018 | Oct 2017 | Oct 2016 | Oct 2015 | Oct 2014 | Oct 2013 | Oct 2012 | Oct 2011 | Oct 2010 | Oct 2009 | |
|---|---|---|---|---|---|---|---|---|---|---|---|---|---|---|---|
| Operating Activities | |||||||||||||||
| Operating Profit | 5,968 | ||||||||||||||
| Depreciation | 7 | 9 | 13 | 16 | 23 | 1,137 | 408 | 544 | 726 | 124 | 166 | 221 | 295 | 392 | |
| Amortisation | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | |
| Tax | -695 | ||||||||||||||
| Stock | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 |
| Debtors | -8,947 | -12,337 | 9,894 | -244 | -19,139 | 4,811 | -737 | 6,854 | 10,408 | -794 | 3,493 | 3,422 | -13,926 | 1,382 | 18,424 |
| Creditors | 0 | -497 | 496 | 0 | -1 | 0 | 2 | -22,628 | 10,633 | -936 | 3,364 | 467 | -11,002 | 20,102 | 0 |
| Accruals and Deferred Income | -615 | -7,725 | 3,454 | -113 | -19,558 | 5,009 | -960 | 26,487 | 0 | 0 | 0 | 0 | 0 | -6,537 | 6,537 |
| Deferred Taxes & Provisions | 0 | -7 | -3 | -3 | -4 | -216 | -94 | -109 | 380 | 56 | -2 | -10 | -16 | -22 | 50 |
| Cash flow from operations | -6,172 | ||||||||||||||
| 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 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 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 | -1,397 | -1,399 | -1,475 | 6,836 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | -6,823 | 6,823 |
| Hire Purchase and Lease Commitments | 0 | 0 | 0 | 0 | 0 | -437 | -875 | 1,312 | 0 | 0 | 0 | 0 | 0 | 0 | 0 |
| other long term liabilities | 0 | 0 | 0 | 0 | 0 | 0 | 0 | -1,312 | 1,312 | 0 | 0 | 0 | -297 | 297 | 0 |
| share issue | |||||||||||||||
| interest | -2,492 | ||||||||||||||
| cash flow from financing | 4,598 | ||||||||||||||
| cash and cash equivalents | |||||||||||||||
| cash | 0 | 0 | -4,076 | 4,076 | 2 | 0 | -3 | 0 | 0 | 0 | 0 | -2,799 | 2,799 | -3,499 | 3,502 |
| overdraft | -1,580 | 745 | 3,336 | -2,905 | 394 | -674 | 771 | 2,571 | 0 | 0 | 0 | 0 | 0 | -9,246 | 9,246 |
| change in cash | 1,580 | -745 | -7,412 | 6,981 | -392 | 674 | -774 | -2,571 | 0 | 0 | 0 | -2,799 | 2,799 | 5,747 | -5,744 |
bluewater financial services limited Credit Report and Business Information
Bluewater Financial Services Limited Competitor Analysis
Perform a competitor analysis for bluewater financial services limited by selecting its closest rivals, whether from the FINANCIAL AND INSURANCE ACTIVITIES sector, other micro companies, companies in GU15 area or any other competitors across 12 key performance metrics.
bluewater financial services limited Ownership
BLUEWATER FINANCIAL SERVICES LIMITED group structure
Bluewater Financial Services Limited has no subsidiary companies.
Ultimate parent company
BLUEWATER FINANCIAL SERVICES LIMITED
05266333
bluewater financial services limited directors
Bluewater Financial Services Limited currently has 1 director, Mr Paul Nicklinson serving since Oct 2004.
| officer | country | age | start | end | role |
|---|---|---|---|---|---|
| Mr Paul Nicklinson | 56 years | Oct 2004 | - | Director |
P&L
October 2023turnover
324.2k
+24%
operating profit
434.2
0%
gross margin
75.7%
-4.22%
turnover
Turnover, or revenue, is the amount of sales generated by a company within the financial year.
Balance Sheet
October 2023net assets
-3.6k
+0.09%
total assets
7.6k
-0.34%
cash
2
0%
net assets
Total assets minus all liabilities
Similar Companies
bluewater financial services limited company details
company number
05266333
Type
Private limited with Share Capital
industry
64191 - Banks
incorporation date
October 2004
age
20
incorporated
UK
accounts
Total Exemption Full
ultimate parent company
previous names
N/A
last accounts submitted
October 2023
address
fiscal house, 367 london road, camberley, surrey, GU15 3HQ
accountant
SOWERBUTTS & CO LTD
auditor
-
bluewater 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 did not find charges/mortgages relating to bluewater financial services limited.
bluewater financial services limited Companies House Filings - See Documents
| date | description | view/download |
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