Prism Financial Advice Limited

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prism financial advice limited Company Information

Company Number

05303532

Next Accounts

Sep 2025

Directors

Neil McGann

Stephen Price

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Shareholders

stephen price

michael smith

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Group Structure

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Industry

Other financial service activities, except insurance and pension funding, (not including security dealing on own account and factoring) n.e.c.

Registered Address

prism house 13 keel row, the watermark, gateshead, tyne and wear, NE11 9SZ

Website

www.prismadvice.co.uk

prism financial advice limited Estimated Valuation

£8.7m

Pomanda estimates the enterprise value of PRISM FINANCIAL ADVICE LIMITED at £8.7m based on a Turnover of £5.9m and 1.47x industry multiple (adjusted for size and gross margin).

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Prism Financial Advice Limited is a live company located in gateshead, NE11 9SZ with a Companies House number of 05303532. It operates in the financial intermediation not elsewhere classified sector, SIC Code 64999. Founded in December 2004, it's largest shareholder is stephen price with a 33.3% stake. Prism Financial Advice Limited is a mature, mid sized company, Pomanda has estimated its turnover at £5.9m with high growth in recent years.

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Pomanda's financial health check has awarded Prism Financial Advice Limited a 4.5 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

Health Rating4.5out of 5

5 Strong

3 Regular

3 Weak

Size

annual sales of £5.9m, make it in line with the average company (£5.5m)

Growth

3 year (CAGR) sales growth of 18%, show it is growing at a faster rate (4.9%)

EXPORT

Prism Financial Advice Limited's latest turnover from December 2023 is estimated at £5.9 million and the company has net assets of £934.3 thousand. According to their latest financial statements, Prism Financial Advice Limited has 55 employees and maintains cash reserves of £466.8 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	5,901,552	4,929,567	4,606,567	3,617,812	3,198,845	3,078,203	1,946,091	1,661,045	1,444,550	108,943	530,948	571,433	634,356	498,380
Other Income Or Grants
Cost Of Sales	2,713,173	2,160,905	1,938,224	1,564,895	1,376,137	1,312,235	814,654	642,286	507,770	41,291	207,396	237,789	276,829	229,367
Gross Profit	3,188,379	2,768,663	2,668,343	2,052,918	1,822,708	1,765,967	1,131,437	1,018,759	936,781	67,652	323,552	333,643	357,527	269,013
Admin Expenses	2,777,806	2,609,393	2,967,603	2,139,196	1,658,920	1,661,396	991,484	1,008,962	938,126	82,859	255,432	337,769	341,150	246,720	-13,511
Operating Profit	410,573	159,270	-299,260	-86,278	163,788	104,571	139,953	9,797	-1,345	-15,207	68,120	-4,126	16,377	22,293	13,511
Interest Payable
Interest Receivable	19,147	6,876	386	133	1,281	1,580	719	204	383	455	180	1
Pre-Tax Profit	429,720	166,146	-298,874	-86,145	165,069	106,151	140,673	10,001	-962	-14,752	68,300	-4,125	16,377	22,293	13,511
Tax	-107,430	-31,568			-31,363	-20,169	-26,728	-2,000			-15,709		-4,258	-6,242	-3,783
Profit After Tax	322,290	134,578	-298,874	-86,145	133,706	85,982	113,945	8,001	-962	-14,752	52,591	-4,125	12,119	16,051	9,728
Dividends Paid
Retained Profit	322,290	134,578	-298,874	-86,145	133,706	85,982	113,945	8,001	-962	-14,752	52,591	-4,125	12,119	16,051	9,728
Employee Costs	4,547,780	3,721,898	3,394,286	2,675,999	2,349,705	2,238,889	1,374,372	1,189,112	897,973	61,604	188,676	180,088	242,408	178,062
Number Of Employees	55	47	44	36	32	31	20	18	14	1	3	3	4	3
EBITDA*	451,672	180,924	-285,488	-64,154	184,483	120,926	143,565	17,500	6,673	-8,375	73,250	2,028	22,472	26,993	15,624

* 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	58,643	73,552	32,077	30,263	48,669	54,272	27,025	13,877	19,233	23,510	16,869	13,317	16,060	15,096	1,703
Intangible Assets	261,475	123,334	59,556
Investments & Other		257,515	386,658	455,972	360,034	261,798	172,384	57,946	111,514	39,864	4,742	1,345	24,000
Debtors (Due After 1 year)
Total Fixed Assets	320,118	454,401	478,291	486,235	408,703	316,070	199,409	71,823	130,747	63,374	21,611	14,662	40,060	15,096	1,703
Stock & work in progress
Trade Debtors	5,522	2,676	360	2,276	3,732	3,608	2,299	899	41,376	2,328	73,136	76,792	83,413	70,119	75,673
Group Debtors
Misc Debtors	483,314	161,968	265,540	222,495	300,701	161,631	127,257	61,133	13,840	32,916	6,783	17,860	14,488	7,662
Cash	466,794	262,628	130,294	178,267	87,742	253,836	167,470	120,321	42,853	110,231	71,690	157	94	26	5
misc current assets
total current assets	955,630	427,272	396,194	403,038	392,175	419,075	297,026	182,353	98,069	145,475	151,609	94,809	97,995	77,807	75,678
total assets	1,275,748	881,673	874,485	889,273	800,878	735,145	496,435	254,176	228,816	208,849	173,220	109,471	138,055	92,903	77,381
Bank overdraft
Bank loan
Trade Creditors	12,891	9,470	44,760	24,972	12,705	12,076	29,952	9,147	12,373	132,567	83,551	73,143	97,107	64,204	67,533
Group/Directors Accounts
other short term finances
hp & lease commitments
other current liabilities	313,943	582,337	635,328	407,764	325,443	435,145	252,779	163,708	141,953
total current liabilities	326,834	591,807	680,088	432,736	338,148	447,221	282,731	172,855	154,326	132,567	83,551	73,143	97,107	64,204	67,533
loans
hp & lease commitments
Accruals and Deferred Income
other liabilities
provisions	14,661	45,767	36,669	30,418	8,274	9,226	7,400	2,550	3,720	4,550	3,185	2,435	2,930	2,800
total long term liabilities	14,661	45,767	36,669	30,418	8,274	9,226	7,400	2,550	3,720	4,550	3,185	2,435	2,930	2,800
total liabilities	341,495	637,574	716,757	463,154	346,422	456,447	290,131	175,405	158,046	137,117	86,736	75,578	100,037	67,004	67,533
net assets	934,253	244,099	157,728	426,119	454,456	278,698	206,304	78,771	70,770	71,732	86,484	33,893	38,018	25,899	9,848
total shareholders funds	934,253	244,099	157,728	426,119	454,456	278,698	206,304	78,771	70,770	71,732	86,484	33,893	38,018	25,899	9,848

	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	410,573	159,270	-299,260	-86,278	163,788	104,571	139,953	9,797	-1,345	-15,207	68,120	-4,126	16,377	22,293	13,511
Depreciation	28,170	21,654	13,772	22,124	20,695	16,355	3,612	7,703	8,018	6,832	5,130	6,154	6,095	4,700	2,113
Amortisation	12,929
Tax	-107,430	-31,568			-31,363	-20,169	-26,728	-2,000			-15,709		-4,258	-6,242	-3,783
Stock
Debtors	324,192	-101,256	41,129	-79,662	139,194	35,683	67,524	6,816	19,972	-44,675	-14,733	-3,249	20,120	2,108	75,673
Creditors	3,421	-35,290	19,788	12,267	629	-17,876	20,805	-3,226	-120,194	49,016	10,408	-23,964	32,903	-3,329	67,533
Accruals and Deferred Income	-268,394	-52,991	227,564	82,321	-109,702	182,366	89,071	21,755	141,953
Deferred Taxes & Provisions	-31,106	9,098	6,251	22,144	-952	1,826	4,850	-1,170	-830	1,365	750	-495	130	2,800
Cash flow from operations	-276,029	171,429	-73,014	132,240	-96,099	231,390	164,039	26,043	7,630	86,681	83,432	-19,182	31,127	18,114	3,701
Investing Activities
capital expenditure	-164,331	-126,907	-75,142	-3,718	-15,092	-43,602	-16,760	-2,347	-3,741	-13,473	-8,682	-3,411	-7,059	-18,093	-3,816
Change in Investments	-257,515	-129,143	-69,314	95,938	98,236	89,414	114,438	-53,568	71,650	35,122	3,397	-22,655	24,000
cash flow from investments	93,184	2,236	-5,828	-99,656	-113,328	-133,016	-131,198	51,221	-75,391	-48,595	-12,079	19,244	-31,059	-18,093	-3,816
Financing Activities
Bank loans
Group/Directors Accounts
Other Short Term Loans
Long term loans
Hire Purchase and Lease Commitments
other long term liabilities
share issue	367,864	-48,207	30,483	57,808	42,052	-13,588	13,588								120
interest	19,147	6,876	386	133	1,281	1,580	719	204	383	455	180	1
cash flow from financing	387,011	-41,331	30,869	57,941	43,333	-12,008	14,307	204	383	455	180	1			120
cash and cash equivalents
cash	204,166	132,334	-47,973	90,525	-166,094	86,366	47,149	77,468	-67,378	38,541	71,533	63	68	21	5
overdraft
change in cash	204,166	132,334	-47,973	90,525	-166,094	86,366	47,149	77,468	-67,378	38,541	71,533	63	68	21	5

Very Low Risk70 - 100

Low Risk50 - 70

Moderate Risk30 - 50

High Risk20 - 30

Very High Risk0 - 20

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PRISM FINANCIAL ADVICE LIMITED group structure

Prism Financial Advice Limited has no subsidiary companies.

Ultimate parent company

PRISM FINANCIAL ADVICE LIMITED

05303532

PRISM FINANCIAL ADVICE LIMITED Shareholders

stephen price	33.33%
michael smith	33.33%
neil mcgann	33.33%

Prism Financial Advice Limited currently has 5 directors. The longest serving directors include Mr Neil McGann (Dec 2004) and Mr Stephen Price (Dec 2004).

officer	country	age	start	end	role
Mr Neil McGann	United Kingdom	61 years	Dec 2004	-	Director
Mr Stephen Price	United Kingdom	71 years	Dec 2004	-	Director
Mr Michael Smith	United Kingdom	63 years	Dec 2004	-	Director
Mr Andrew Fearon	United Kingdom	55 years	Mar 2024	-	Director
Mr Damian Sharp	United Kingdom	57 years	Feb 2025	-	Director

P&L

December 2023

turnover

5.9m

+20%

operating profit

410.6k

gross margin

54.1%

-3.81%

turnover

Turnover, or revenue, is the amount of sales generated by a company within the financial year.

Balance Sheet

December 2023

net assets

934.3k

+2.83%

total assets

1.3m

+0.45%

cash

466.8k

+0.78%

net assets

Total assets minus all liabilities

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company number

05303532

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

December 2004

ultimate parent company

None

previous names

N/A

address

prism house 13 keel row, the watermark, gateshead, tyne and wear, NE11 9SZ

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prism financial advice limited Company Information

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prism financial advice limited Estimated Valuation

prism financial advice limited Estimated Valuation

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