cer financial ltd
cer financial ltd Company Information
Group Structure
View All
Industry
Activities of employment placement agencies (other than motion picture, television and other theatrical casting) n.e.c.
+1Registered Address
salisbury house, 29 finsbury circus, london, EC2M 5SQ
Website
www.cerfinancial.co.ukcer financial ltd Estimated Valuation
Pomanda estimates the enterprise value of CER FINANCIAL LTD at £767.9k based on a Turnover of £4.1m and 0.19x industry multiple (adjusted for size and gross margin).
cer financial ltd Estimated Valuation
Pomanda estimates the enterprise value of CER FINANCIAL LTD at £241k based on an EBITDA of £83.3k and a 2.89x industry multiple (adjusted for size and gross margin).
cer financial ltd Estimated Valuation
Pomanda estimates the enterprise value of CER FINANCIAL LTD at £284.3k based on Net Assets of £183.1k and 1.55x industry multiple (adjusted for liquidity).
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Cer Financial Ltd Overview
Cer Financial Ltd is a live company located in london, EC2M 5SQ with a Companies House number of 05704245. It operates in the other activities of employment placement agencies sector, SIC Code 78109. Founded in February 2006, it's largest shareholder is paul simon mersh with a 100% stake. Cer Financial Ltd is a established, small sized company, Pomanda has estimated its turnover at £4.1m with healthy growth in recent years.
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Cer Financial Ltd Health Check
Pomanda's financial health check has awarded Cer Financial Ltd a 2.5 rating. We use a traffic light system to show it exceeds the industry average on 2 measures and has 5 areas for improvement. Company Health Check FAQs
2 Strong
4 Regular
5 Weak
Size
annual sales of £4.1m, make it smaller than the average company (£9.7m)
- Cer Financial Ltd
£9.7m - Industry AVG
Growth
3 year (CAGR) sales growth of 8%, show it is growing at a faster rate (3.7%)
- Cer Financial Ltd
3.7% - Industry AVG
Production
with a gross margin of 21.4%, this company has a comparable cost of product (21.4%)
- Cer Financial Ltd
21.4% - Industry AVG
Profitability
an operating margin of 1.9% make it less profitable than the average company (3.8%)
- Cer Financial Ltd
3.8% - Industry AVG
Employees
with 37 employees, this is similar to the industry average (42)
37 - Cer Financial Ltd
42 - Industry AVG
Pay Structure
on an average salary of £48.6k, the company has an equivalent pay structure (£48.6k)
- Cer Financial Ltd
£48.6k - Industry AVG
Efficiency
resulting in sales per employee of £110.9k, this is less efficient (£196.9k)
- Cer Financial Ltd
£196.9k - Industry AVG
Debtor Days
it gets paid by customers after 47 days, this is near the average (47 days)
- Cer Financial Ltd
47 days - Industry AVG
Creditor Days
its suppliers are paid after 3 days, this is quicker than average (6 days)
- Cer Financial Ltd
6 days - Industry AVG
Stock Days
There is insufficient data available for this Key Performance Indicator!
- Cer Financial Ltd
- - Industry AVG
Cash Balance
has cash to cover current liabilities for 22 weeks, this is more cash available to meet short term requirements (11 weeks)
22 weeks - Cer Financial Ltd
11 weeks - Industry AVG
Debt Level
it has a ratio of liabilities to total assets of 77.5%, this is a higher level of debt than the average (69.4%)
77.5% - Cer Financial Ltd
69.4% - Industry AVG
CER FINANCIAL LTD financials
Cer Financial Ltd's latest turnover from March 2023 is estimated at £4.1 million and the company has net assets of £183.1 thousand. According to their latest financial statements, Cer Financial Ltd has 37 employees and maintains cash reserves of £269.3 thousand as reported in the balance sheet.
Data source: Companies House, Pomanda Estimates
| Mar 2023 | Mar 2022 | Mar 2021 | Mar 2020 | Mar 2019 | Mar 2018 | Mar 2017 | Mar 2016 | Mar 2015 | Feb 2014 | Feb 2013 | Feb 2012 | Feb 2011 | Feb 2010 | |
|---|---|---|---|---|---|---|---|---|---|---|---|---|---|---|
| Turnover | ||||||||||||||
| Other Income Or Grants | ||||||||||||||
| Cost Of Sales | ||||||||||||||
| Gross Profit | ||||||||||||||
| Admin Expenses | ||||||||||||||
| Operating Profit | ||||||||||||||
| Interest Payable | ||||||||||||||
| Interest Receivable | ||||||||||||||
| Pre-Tax Profit | ||||||||||||||
| Tax | ||||||||||||||
| Profit After Tax | ||||||||||||||
| Dividends Paid | ||||||||||||||
| Retained Profit | ||||||||||||||
| Employee Costs | ||||||||||||||
| Number Of Employees | 37 | 33 | 31 | 21 | 16 | 13 | 10 | 10 | ||||||
| EBITDA* |
* Earnings Before Interest, Tax, Depreciation and Amortisation
| Mar 2023 | Mar 2022 | Mar 2021 | Mar 2020 | Mar 2019 | Mar 2018 | Mar 2017 | Mar 2016 | Mar 2015 | Feb 2014 | Feb 2013 | Feb 2012 | Feb 2011 | Feb 2010 | |
|---|---|---|---|---|---|---|---|---|---|---|---|---|---|---|
| Tangible Assets | 7,650 | 13,980 | 31,286 | 36,831 | 37,618 | 44,295 | 55,370 | 66,136 | 82,671 | 0 | 0 | 0 | 0 | 0 |
| Intangible Assets | 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 |
| Debtors (Due After 1 year) | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 |
| Total Fixed Assets | 7,650 | 13,980 | 31,286 | 36,831 | 37,618 | 44,295 | 55,370 | 66,136 | 82,671 | 0 | 0 | 0 | 0 | 0 |
| Stock & work in progress | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 |
| Trade Debtors | 528,751 | 323,961 | 284,154 | 326,865 | 273,032 | 183,549 | 101,244 | 137,203 | 399,788 | 0 | 0 | 0 | 0 | 0 |
| Group Debtors | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 |
| Misc Debtors | 6,409 | 6,936 | 25,207 | 17,661 | 34,070 | 60,197 | 57,579 | 37,618 | 0 | 0 | 0 | 0 | 0 | 0 |
| Cash | 269,282 | 351,494 | 97,994 | 10,269 | 116,446 | 53,839 | 4,932 | 260,631 | 67,108 | 0 | 0 | 0 | 0 | 0 |
| misc current assets | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 |
| total current assets | 804,442 | 682,391 | 407,355 | 354,795 | 423,548 | 297,585 | 163,755 | 435,452 | 466,896 | 0 | 0 | 0 | 0 | 0 |
| total assets | 812,092 | 696,371 | 438,641 | 391,626 | 461,166 | 341,880 | 219,125 | 501,588 | 549,567 | 0 | 0 | 0 | 0 | 0 |
| Bank overdraft | 0 | 0 | 0 | 56,635 | 124,027 | 50,602 | 18,224 | 254,229 | 0 | 0 | 0 | 0 | 0 | 0 |
| Bank loan | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 |
| Trade Creditors | 30,781 | 10,571 | 24,481 | 93,615 | 127,420 | 17,216 | 21,586 | 20,703 | 559,338 | 0 | 0 | 0 | 0 | 0 |
| Group/Directors Accounts | 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 |
| hp & lease commitments | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 |
| other current liabilities | 598,175 | 575,203 | 430,240 | 277,639 | 218,779 | 277,374 | 178,685 | 217,288 | 0 | 0 | 0 | 0 | 0 | 0 |
| total current liabilities | 628,956 | 585,774 | 454,721 | 427,889 | 470,226 | 345,192 | 218,495 | 492,220 | 559,338 | 0 | 0 | 0 | 0 | 0 |
| loans | 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 |
| Accruals and Deferred Income | 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 |
| provisions | 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 |
| total liabilities | 628,956 | 585,774 | 454,721 | 427,889 | 470,226 | 345,192 | 218,495 | 492,220 | 559,338 | 0 | 0 | 0 | 0 | 0 |
| net assets | 183,136 | 110,597 | -16,080 | -36,263 | -9,060 | -3,312 | 630 | 9,368 | -9,771 | 0 | 0 | 0 | 0 | 0 |
| total shareholders funds | 183,136 | 110,597 | -16,080 | -36,263 | -9,060 | -3,312 | 630 | 9,368 | -9,771 | 0 | 0 | 0 | 0 | 0 |
| Mar 2023 | Mar 2022 | Mar 2021 | Mar 2020 | Mar 2019 | Mar 2018 | Mar 2017 | Mar 2016 | Mar 2015 | Feb 2014 | Feb 2013 | Feb 2012 | Feb 2011 | Feb 2010 | |
|---|---|---|---|---|---|---|---|---|---|---|---|---|---|---|
| Operating Activities | ||||||||||||||
| Operating Profit | ||||||||||||||
| Depreciation | 6,925 | 7,476 | 6,199 | 9,177 | 9,063 | 11,075 | 13,842 | 16,535 | 20,659 | |||||
| Amortisation | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | |||||
| Tax | ||||||||||||||
| Stock | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 |
| Debtors | 204,263 | 21,536 | -35,165 | 37,424 | 63,356 | 84,923 | -15,998 | -224,967 | 399,788 | 0 | 0 | 0 | 0 | 0 |
| Creditors | 20,210 | -13,910 | -69,134 | -33,805 | 110,204 | -4,370 | 883 | -538,635 | 559,338 | 0 | 0 | 0 | 0 | 0 |
| Accruals and Deferred Income | 22,972 | 144,963 | 152,601 | 58,860 | -58,595 | 98,689 | -38,603 | 217,288 | 0 | 0 | 0 | 0 | 0 | 0 |
| Deferred Taxes & Provisions | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 |
| Cash flow from operations | ||||||||||||||
| Investing Activities | ||||||||||||||
| capital expenditure | ||||||||||||||
| Change in Investments | 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 |
| Group/Directors Accounts | 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 |
| Long term loans | 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 |
| other long term liabilities | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 |
| share issue | ||||||||||||||
| interest | ||||||||||||||
| cash flow from financing | ||||||||||||||
| cash and cash equivalents | ||||||||||||||
| cash | -82,212 | 253,500 | 87,725 | -106,177 | 62,607 | 48,907 | -255,699 | 193,523 | 67,108 | 0 | 0 | 0 | 0 | 0 |
| overdraft | 0 | 0 | -56,635 | -67,392 | 73,425 | 32,378 | -236,005 | 254,229 | 0 | 0 | 0 | 0 | 0 | 0 |
| change in cash | -82,212 | 253,500 | 144,360 | -38,785 | -10,818 | 16,529 | -19,694 | -60,706 | 67,108 | 0 | 0 | 0 | 0 | 0 |
cer financial ltd Credit Report and Business Information
Cer Financial Ltd Competitor Analysis
Perform a competitor analysis for cer financial ltd by selecting its closest rivals, whether from the ADMINISTRATIVE AND SUPPORT SERVICE ACTIVITIES sector, other small companies, companies in EC2M area or any other competitors across 12 key performance metrics.
cer financial ltd Ownership
CER FINANCIAL LTD group structure
Cer Financial Ltd has no subsidiary companies.
Ultimate parent company
CER FINANCIAL LTD
05704245
cer financial ltd directors
Cer Financial Ltd currently has 1 director, Mr Paul Mersh serving since Feb 2006.
| officer | country | age | start | end | role |
|---|---|---|---|---|---|
| Mr Paul Mersh | England | 50 years | Feb 2006 | - | Director |
P&L
March 2023turnover
4.1m
+47%
operating profit
76.4k
0%
gross margin
21.4%
+2.75%
turnover
Turnover, or revenue, is the amount of sales generated by a company within the financial year.
Balance Sheet
March 2023net assets
183.1k
+0.66%
total assets
812.1k
+0.17%
cash
269.3k
-0.23%
net assets
Total assets minus all liabilities
cer financial ltd company details
company number
05704245
Type
Private limited with Share Capital
industry
78109 - Activities of employment placement agencies (other than motion picture, television and other theatrical casting) n.e.c.
78200 - Temporary employment agency activities
incorporation date
February 2006
age
19
incorporated
UK
ultimate parent company
accounts
Total Exemption Full
last accounts submitted
March 2023
previous names
N/A
accountant
-
auditor
-
address
salisbury house, 29 finsbury circus, london, EC2M 5SQ
Bank
-
Legal Advisor
-
cer financial ltd 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 2 charges/mortgages relating to cer financial ltd. Currently there are 1 open charges and 1 have been satisfied in the past.
cer financial ltd 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.
Click to start generating capital raising & share issue transactions for CER FINANCIAL LTD. This can take several minutes, an email will notify you when this has completed.
cer financial ltd Companies House Filings - See Documents
| date | description | view/download |
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