Western Finance Limited

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western finance limited Company Information

Live

EstablishedMicro

Company Number

05723182

Website

www.westernfinanceltd.com

Registered Address

philanthropic cottage henllys, cwmbran, NP44 6HD

Industry

Activities of insurance agents and brokers

Telephone

Next Accounts Due

December 2024

Group Structure

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Directors

Martyn Powell18 Years

Shareholders

martyn paul powell 67.1%

sarah moss 32.9%

western finance limited Estimated Valuation

£74.2k

Pomanda estimates the enterprise value of WESTERN FINANCE LIMITED at £74.2k based on a Turnover of £63.9k and 1.16x industry multiple (adjusted for size and gross margin).

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Western Finance Limited is a live company located in cwmbran, NP44 6HD with a Companies House number of 05723182. It operates in the activities of insurance agents and brokers sector, SIC Code 66220. Founded in February 2006, it's largest shareholder is martyn paul powell with a 67.1% stake. Western Finance Limited is a established, micro sized company, Pomanda has estimated its turnover at £63.9k with unknown growth in recent years.

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Pomanda's financial health check has awarded Western Finance Limited a 1.5 rating. We use a traffic light system to show it exceeds the industry average on 1 measures and has 7 areas for improvement. Company Health Check FAQs

Health Rating1.5out of 5

1 Strong

1 Regular

7 Weak

Size

annual sales of £63.9k, make it smaller than the average company (£2.6m)

Growth

There is insufficient data available for this Key Performance Indicator!

EXPORT

Western Finance Limited's latest turnover from March 2023 is estimated at £63.9 thousand and the company has net assets of £5.2 thousand. According to their latest financial statements, Western Finance Limited has 1 employee and maintains cash reserves of £30.4 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	Mar 2014	Mar 2013	Mar 2012	Mar 2011	Mar 2010
Turnover	63,940	62,616	63,172	0	0	65,635	36,995	2,100	1,587	2,607	3,066	1,364	1,576	1,634
Other Income Or Grants	0	0	0	0	0	0	0	0	0	0	0	0	0	0
Cost Of Sales	24,712	22,686	25,313	0	0	29,652	17,408	934	750	1,377	1,799	778	876	853
Gross Profit	39,228	39,930	37,859	0	0	35,983	19,588	1,166	837	1,230	1,268	586	700	781
Admin Expenses	43,219	37,396	42,650	-258	280	25,041	25,580	-3,838	1,256	-6,048	3,046	1,043	8,123	-7,214
Operating Profit	-3,991	2,534	-4,791	258	-280	10,942	-5,992	5,004	-419	7,278	-1,778	-457	-7,423	7,995
Interest Payable	0	0	0	0	0	65	63	0	0	0	0	0	0	0
Interest Receivable	1,365	246	24	15	181	116	40	90	108	105	98	95	94	59
Pre-Tax Profit	-2,626	2,780	-4,767	273	-99	10,993	-6,015	5,094	-311	7,383	-1,680	-362	-7,329	8,054
Tax	0	-528	0	-52	0	-2,089	0	-1,019	0	-1,698	0	0	0	-2,255
Profit After Tax	-2,626	2,252	-4,767	221	-99	8,904	-6,015	4,075	-311	5,685	-1,680	-362	-7,329	5,799
Dividends Paid	0	0	0	0	0	0	0	0	0	0	0	0	0	0
Retained Profit	-2,626	2,252	-4,767	221	-99	8,904	-6,015	4,075	-311	5,685	-1,680	-362	-7,329	5,799
Employee Costs	48,733	48,495	49,413	0	0	43,131	42,887	42,022	41,087	39,912	39,123	38,660	36,738	39,731
Number Of Employees	1	1	1	0	0	1	1	1	1	1	1	1	1	1
EBITDA*	-3,899	2,664	-4,753	305	-221	11,016	-5,899	5,120	-275	7,459	-1,552	-270	-7,189	8,237

* 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	Mar 2014	Mar 2013	Mar 2012	Mar 2011	Mar 2010
Tangible Assets	376	521	152	190	237	296	370	463	579	723	904	751	938	1,172
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	376	521	152	190	237	296	370	463	579	723	904	751	938	1,172
Stock & work in progress	0	0	0	0	0	0	0	1,303	2,586	742	6,260	918	1,678	75
Trade Debtors	0	0	0	0	0	0	186	995	568	1,125	1,236	295	698	716
Group Debtors	0	0	0	0	0	0	0	0	0	0	0	0	0	0
Misc Debtors	13	13	0	0	0	0	0	0	0	0	0	0	0	0
Cash	30,385	33,865	31,760	15,402	14,276	34,076	12,160	19,667	16,352	26,785	15,157	23,848	14,024	23,504
misc current assets	0	0	0	1	0	0	0	0	0	0	0	0	0	0
total current assets	30,398	33,878	31,760	15,403	14,276	34,076	12,346	21,965	19,506	28,652	22,653	25,061	16,400	24,295
total assets	30,774	34,399	31,912	15,593	14,513	34,372	12,716	22,428	20,085	29,375	23,557	25,812	17,338	25,467
Bank overdraft	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
Trade Creditors	4,561	5,560	4,812	0	0	0	77	15,551	17,283	26,262	26,129	26,704	17,868	18,668
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	0	0	0	5,215	4,356	24,116	9,777	0	0	0	0	0	0	0
total current liabilities	4,561	5,560	4,812	5,215	4,356	24,116	9,854	15,551	17,283	26,262	26,129	26,704	17,868	18,668
loans	0	0	0	0	0	0	2,000	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	20,976	20,976	21,489	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	20,976	20,976	21,489	0	0	0	2,000	0	0	0	0	0	0	0
total liabilities	25,537	26,536	26,301	5,215	4,356	24,116	11,854	15,551	17,283	26,262	26,129	26,704	17,868	18,668
net assets	5,237	7,863	5,611	10,378	10,157	10,256	862	6,877	2,802	3,113	-2,572	-892	-530	6,799
total shareholders funds	5,237	7,863	5,611	10,378	10,157	10,256	862	6,877	2,802	3,113	-2,572	-892	-530	6,799

	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	-3,991	2,534	-4,791	258	-280	10,942	-5,992	5,004	-419	7,278	-1,778	-457	-7,423	7,995
Depreciation	92	130	38	47	59	74	93	116	144	181	226	187	234	242
Amortisation	0	0	0	0	0	0	0	0	0	0	0	0	0	0
Tax	0	-528	0	-52	0	-2,089	0	-1,019	0	-1,698	0	0	0	-2,255
Stock	0	0	0	0	0	0	-1,303	-1,283	1,844	-5,518	5,342	-760	1,603	75
Debtors	0	13	0	0	0	-186	-809	427	-557	-111	941	-403	-18	716
Creditors	-999	748	4,812	0	0	-77	-15,474	-1,732	-8,979	133	-575	8,836	-800	18,668
Accruals and Deferred Income	0	-513	16,274	859	-19,760	14,339	9,777	0	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	-4,898	2,358	16,333	1,112	-19,981	23,375	-9,484	3,225	-10,541	11,523	-8,410	9,729	-9,574	23,859
Investing Activities
capital expenditure	53	-499	0	0	0	0	0	0	0	0	-379	0	0	-1,414
Change in Investments	0	0	0	0	0	0	0	0	0	0	0	0	0	0
cash flow from investments	53	-499	0	0	0	0	0	0	0	0	-379	0	0	-1,414
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	-2,000	2,000	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	0	0	0	0	0	490	0	0	0	0	0	0	0	1,000
interest	1,365	246	24	15	181	51	-23	90	108	105	98	95	94	59
cash flow from financing	1,365	246	24	15	181	-1,459	1,977	90	108	105	98	95	94	1,059
cash and cash equivalents
cash	-3,480	2,105	16,358	1,126	-19,800	21,916	-7,507	3,315	-10,433	11,628	-8,691	9,824	-9,480	23,504
overdraft	0	0	0	0	0	0	0	0	0	0	0	0	0	0
change in cash	-3,480	2,105	16,358	1,126	-19,800	21,916	-7,507	3,315	-10,433	11,628	-8,691	9,824	-9,480	23,504

Very Low Risk70 - 100

Low Risk50 - 70

Moderate Risk30 - 50

High Risk20 - 30

Very High Risk0 - 20

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Perform a competitor analysis for western finance limited by selecting its closest rivals, whether from the FINANCIAL AND INSURANCE ACTIVITIES sector, other micro companies, companies in NP44 area or any other competitors across 12 key performance metrics.

WESTERN FINANCE LIMITED group structure

Western Finance Limited has no subsidiary companies.

Ultimate parent company

WESTERN FINANCE LIMITED

05723182

WESTERN FINANCE LIMITED Shareholders

martyn paul powell	67.11%
sarah moss	32.89%

Western Finance Limited currently has 1 director, Mr Martyn Powell serving since Feb 2006.

officer	country	age	start	end	role
Mr Martyn Powell	United Kingdom	44 years	Feb 2006	-	Director

P&L

March 2023

turnover

63.9k

+2%

operating profit

-4k

gross margin

61.4%

-3.79%

turnover

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

Balance Sheet

March 2023

net assets

5.2k

-0.33%

total assets

30.8k

-0.11%

cash

30.4k

-0.1%

net assets

Total assets minus all liabilities

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company number

05723182

Type

Private limited with Share Capital

industry

66220 - Activities of insurance agents and brokers

incorporation date

February 2006

ultimate parent company

None

previous names

N/A

address

philanthropic cottage henllys, cwmbran, NP44 6HD

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 western finance limited.

western finance limited Company Information

western finance limited Estimated Valuation

western finance limited Estimated Valuation

western finance limited Estimated Valuation

Western Finance Limited Overview

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WESTERN FINANCE LIMITED financials

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