xps pensions (rl) limited
xps pensions (rl) limited Company Information
Company Number
05817049
Next Accounts
Dec 2025
Shareholders
xps consulting (reading) limited
Group Structure
View All
Industry
Other activities auxiliary to insurance and pension funding
Registered Address
phoenix house 1 station hill, reading, RG1 1NB
xps pensions (rl) limited Estimated Valuation
Pomanda estimates the enterprise value of XPS PENSIONS (RL) LIMITED at £3.7m based on a Turnover of £4.6m and 0.79x industry multiple (adjusted for size and gross margin).
xps pensions (rl) limited Estimated Valuation
Pomanda estimates the enterprise value of XPS PENSIONS (RL) LIMITED at £9.5m based on an EBITDA of £1.9m and a 5.03x industry multiple (adjusted for size and gross margin).
xps pensions (rl) limited Estimated Valuation
Pomanda estimates the enterprise value of XPS PENSIONS (RL) LIMITED at £1.3m based on Net Assets of £619k and 2.06x industry multiple (adjusted for liquidity).
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Xps Pensions (rl) Limited Overview
Xps Pensions (rl) Limited is a live company located in reading, RG1 1NB with a Companies House number of 05817049. It operates in the other activities auxiliary to insurance and pension funding sector, SIC Code 66290. Founded in May 2006, it's largest shareholder is xps consulting (reading) limited with a 100% stake. Xps Pensions (rl) Limited is a established, small sized company, Pomanda has estimated its turnover at £4.6m with healthy growth in recent years.
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Xps Pensions (rl) Limited Health Check
Pomanda's financial health check has awarded Xps Pensions (Rl) Limited a 4 rating. We use a traffic light system to show it exceeds the industry average on 4 measures and has 3 areas for improvement. Company Health Check FAQs
4 Strong
4 Regular
3 Weak
Size
annual sales of £4.6m, make it larger than the average company (£1.6m)
£4.6m - Xps Pensions (rl) Limited
£1.6m - Industry AVG
Growth
3 year (CAGR) sales growth of 8%, show it is growing at a similar rate (7.2%)
8% - Xps Pensions (rl) Limited
7.2% - Industry AVG
Production
with a gross margin of 82.5%, this company has a comparable cost of product (100%)
82.5% - Xps Pensions (rl) Limited
100% - Industry AVG
Profitability
an operating margin of 40.7% make it more profitable than the average company (10.1%)
40.7% - Xps Pensions (rl) Limited
10.1% - Industry AVG
Employees
with 33 employees, this is above the industry average (8)
33 - Xps Pensions (rl) Limited
8 - Industry AVG
Pay Structure
on an average salary of £55.3k, the company has an equivalent pay structure (£58.3k)
£55.3k - Xps Pensions (rl) Limited
£58.3k - Industry AVG
Efficiency
resulting in sales per employee of £140.8k, this is equally as efficient (£122.7k)
£140.8k - Xps Pensions (rl) Limited
£122.7k - Industry AVG
Debtor Days
it gets paid by customers after 96 days, this is later than average (46 days)
96 days - Xps Pensions (rl) Limited
46 days - Industry AVG
Creditor Days
its suppliers are paid after 109 days, this is slower than average (54 days)
109 days - Xps Pensions (rl) Limited
54 days - Industry AVG
Stock Days
There is insufficient data available for this Key Performance Indicator!
- - Xps Pensions (rl) Limited
- - Industry AVG
Cash Balance
has cash to cover current liabilities for 6 weeks, this is less cash available to meet short term requirements (42 weeks)
6 weeks - Xps Pensions (rl) Limited
42 weeks - Industry AVG
Debt Level
it has a ratio of liabilities to total assets of 69.9%, this is a higher level of debt than the average (53.8%)
69.9% - Xps Pensions (rl) Limited
53.8% - Industry AVG
XPS PENSIONS (RL) LIMITED financials
Xps Pensions (Rl) Limited's latest turnover from March 2024 is £4.6 million and the company has net assets of £619 thousand. According to their latest financial statements, Xps Pensions (Rl) Limited has 33 employees and maintains cash reserves of £174 thousand as reported in the balance sheet.
Data source: Companies House, Pomanda Estimates
| Mar 2024 | Mar 2023 | Mar 2022 | Mar 2021 | Mar 2020 | Dec 2018 | Dec 2017 | Dec 2016 | Dec 2015 | Dec 2014 | Dec 2013 | Dec 2012 | Dec 2011 | Dec 2010 | Dec 2009 | |
|---|---|---|---|---|---|---|---|---|---|---|---|---|---|---|---|
| Turnover | 4,647,000 | 4,189,000 | 3,937,000 | 3,709,000 | 4,065,000 | 2,226,000 | 2,234,000 | 2,236,000 | 1,719,000 | 1,687,000 | 1,519,000 | 1,315,000 | 1,312,000 | 1,115,000 | 1,026,000 |
| Other Income Or Grants | |||||||||||||||
| Cost Of Sales | |||||||||||||||
| Gross Profit | |||||||||||||||
| Admin Expenses | |||||||||||||||
| Operating Profit | 1,892,000 | 1,644,000 | 1,260,000 | 419,000 | 854,000 | 1,257,000 | |||||||||
| Interest Payable | 64,000 | 124,000 | 52,000 | 36,000 | 13,000 | ||||||||||
| Interest Receivable | 114,000 | 215,000 | 75,000 | 50,000 | 17,000 | ||||||||||
| Pre-Tax Profit | 1,942,000 | 1,735,000 | 1,283,000 | 433,000 | 858,000 | 1,257,000 | 1,240,000 | 1,301,000 | 811,000 | 853,000 | 827,000 | 643,000 | 714,000 | 357,000 | 407,000 |
| Tax | -485,000 | -323,000 | -236,000 | -35,000 | -219,000 | -238,000 | -238,000 | -263,000 | -166,000 | -182,000 | -201,000 | -159,000 | -123,000 | 104,000 | -8,000 |
| Profit After Tax | 1,457,000 | 1,412,000 | 1,047,000 | 398,000 | 639,000 | 1,019,000 | 1,002,000 | 1,038,000 | 645,000 | 671,000 | 626,000 | 484,000 | 591,000 | 461,000 | 399,000 |
| Dividends Paid | 1,700,000 | 3,000,000 | 400,000 | 4,750,000 | 500,000 | 1,000,000 | 500,000 | ||||||||
| Retained Profit | -243,000 | -1,588,000 | 1,047,000 | 398,000 | 239,000 | -3,731,000 | 1,002,000 | 1,038,000 | 645,000 | 171,000 | -374,000 | 484,000 | 91,000 | 461,000 | 399,000 |
| Employee Costs | 1,825,000 | 1,679,000 | 1,844,000 | 2,031,000 | 1,602,000 | ||||||||||
| Number Of Employees | 33 | 33 | 38 | 36 | 39 | ||||||||||
| EBITDA* | 1,892,000 | 1,644,000 | 1,260,000 | 419,000 | 854,000 | 1,257,000 |
* Earnings Before Interest, Tax, Depreciation and Amortisation
| Mar 2024 | Mar 2023 | Mar 2022 | Mar 2021 | Mar 2020 | Dec 2018 | Dec 2017 | Dec 2016 | Dec 2015 | Dec 2014 | Dec 2013 | Dec 2012 | Dec 2011 | Dec 2010 | Dec 2009 | |
|---|---|---|---|---|---|---|---|---|---|---|---|---|---|---|---|
| Tangible Assets | 487,000 | 1,099,000 | 5,564,000 | 3,285,000 | 1,499,000 | 15,000 | |||||||||
| Intangible Assets | |||||||||||||||
| Investments & Other | 465,000 | 1,086,000 | 5,538,000 | 3,263,000 | 1,475,000 | ||||||||||
| Debtors (Due After 1 year) | 22,000 | 13,000 | 13,000 | 11,000 | 12,000 | 18,000 | 22,000 | 30,000 | |||||||
| Total Fixed Assets | 487,000 | 1,099,000 | 5,551,000 | 3,274,000 | 1,487,000 | 15,000 | 18,000 | 22,000 | 30,000 | ||||||
| Stock & work in progress | |||||||||||||||
| Trade Debtors | 1,225,000 | 1,194,000 | 741,000 | 376,000 | 249,000 | 245,000 | 412,000 | 663,000 | 267,000 | 338,000 | 324,000 | 190,000 | 90,000 | 214,000 | 209,000 |
| Group Debtors | 131,000 | 63,000 | |||||||||||||
| Misc Debtors | 36,000 | 33,000 | 244,000 | 502,000 | 701,000 | 603,000 | 2,000 | 43,000 | 150,000 | 91,000 | 30,000 | ||||
| Cash | 174,000 | 171,000 | 341,000 | 241,000 | 686,000 | 552,000 | 4,379,000 | 2,862,000 | 2,030,000 | 1,428,000 | 1,231,000 | 1,547,000 | 1,074,000 | 844,000 | 433,000 |
| misc current assets | 6,000 | 8,000 | 1,000 | 38,000 | 80,000 | 112,000 | |||||||||
| total current assets | 1,566,000 | 1,398,000 | 1,332,000 | 1,127,000 | 1,637,000 | 1,400,000 | 4,791,000 | 3,525,000 | 2,299,000 | 1,804,000 | 1,598,000 | 1,887,000 | 1,335,000 | 1,200,000 | 705,000 |
| total assets | 2,053,000 | 2,497,000 | 6,883,000 | 4,401,000 | 3,124,000 | 1,415,000 | 4,809,000 | 3,547,000 | 2,329,000 | 1,804,000 | 1,598,000 | 1,887,000 | 1,335,000 | 1,200,000 | 705,000 |
| Bank overdraft | |||||||||||||||
| Bank loan | |||||||||||||||
| Trade Creditors | 243,000 | 373,000 | |||||||||||||
| Group/Directors Accounts | 410,000 | 738,000 | 3,625,000 | 94,000 | 81,000 | 156,000 | 75,000 | 149,000 | 139,000 | 55,000 | 52,000 | 46,000 | |||
| other short term finances | 2,325,000 | 1,220,000 | 177,000 | ||||||||||||
| hp & lease commitments | |||||||||||||||
| other current liabilities | 781,000 | 544,000 | 847,000 | 723,000 | 867,000 | 541,000 | 553,000 | 218,000 | 119,000 | 165,000 | 145,000 | 144,000 | 79,000 | 41,000 | 53,000 |
| total current liabilities | 1,434,000 | 1,655,000 | 4,472,000 | 3,048,000 | 2,181,000 | 718,000 | 634,000 | 374,000 | 194,000 | 314,000 | 284,000 | 199,000 | 131,000 | 87,000 | 53,000 |
| loans | |||||||||||||||
| hp & lease commitments | |||||||||||||||
| Accruals and Deferred Income | |||||||||||||||
| other liabilities | |||||||||||||||
| provisions | |||||||||||||||
| total long term liabilities | |||||||||||||||
| total liabilities | 1,434,000 | 1,655,000 | 4,472,000 | 3,048,000 | 2,181,000 | 718,000 | 634,000 | 374,000 | 194,000 | 314,000 | 284,000 | 199,000 | 131,000 | 87,000 | 53,000 |
| net assets | 619,000 | 842,000 | 2,411,000 | 1,353,000 | 943,000 | 697,000 | 4,175,000 | 3,173,000 | 2,135,000 | 1,490,000 | 1,314,000 | 1,688,000 | 1,204,000 | 1,113,000 | 652,000 |
| total shareholders funds | 619,000 | 842,000 | 2,411,000 | 1,353,000 | 943,000 | 697,000 | 4,175,000 | 3,173,000 | 2,135,000 | 1,490,000 | 1,314,000 | 1,688,000 | 1,204,000 | 1,113,000 | 652,000 |
| Mar 2024 | Mar 2023 | Mar 2022 | Mar 2021 | Mar 2020 | Dec 2018 | Dec 2017 | Dec 2016 | Dec 2015 | Dec 2014 | Dec 2013 | Dec 2012 | Dec 2011 | Dec 2010 | Dec 2009 | |
|---|---|---|---|---|---|---|---|---|---|---|---|---|---|---|---|
| Operating Activities | |||||||||||||||
| Operating Profit | 1,892,000 | 1,644,000 | 1,260,000 | 419,000 | 854,000 | 1,257,000 | |||||||||
| Depreciation | |||||||||||||||
| Amortisation | |||||||||||||||
| Tax | -485,000 | -323,000 | -236,000 | -35,000 | -219,000 | -238,000 | -238,000 | -263,000 | -166,000 | -182,000 | -201,000 | -159,000 | -123,000 | 104,000 | -8,000 |
| Stock | |||||||||||||||
| Debtors | 174,000 | 242,000 | 109,000 | -73,000 | 962,000 | 418,000 | -255,000 | 386,000 | -39,000 | -29,000 | 27,000 | 159,000 | -63,000 | -28,000 | 272,000 |
| Creditors | -130,000 | 373,000 | |||||||||||||
| Accruals and Deferred Income | 237,000 | -303,000 | 124,000 | -144,000 | 867,000 | -12,000 | 335,000 | 99,000 | -46,000 | 20,000 | 1,000 | 65,000 | 38,000 | -12,000 | 53,000 |
| Deferred Taxes & Provisions | |||||||||||||||
| Cash flow from operations | 1,340,000 | 1,149,000 | 1,039,000 | 313,000 | 540,000 | 589,000 | |||||||||
| Investing Activities | |||||||||||||||
| capital expenditure | |||||||||||||||
| Change in Investments | -621,000 | -4,452,000 | 2,275,000 | 1,788,000 | 1,475,000 | ||||||||||
| cash flow from investments | |||||||||||||||
| Financing Activities | |||||||||||||||
| Bank loans | |||||||||||||||
| Group/Directors Accounts | -328,000 | -2,887,000 | 3,625,000 | -94,000 | 94,000 | -81,000 | -75,000 | 81,000 | -74,000 | 10,000 | 84,000 | 3,000 | 6,000 | 46,000 | |
| Other Short Term Loans | -2,325,000 | 1,105,000 | 1,220,000 | 177,000 | |||||||||||
| Long term loans | |||||||||||||||
| Hire Purchase and Lease Commitments | |||||||||||||||
| other long term liabilities | |||||||||||||||
| share issue | |||||||||||||||
| interest | 50,000 | 91,000 | 23,000 | 14,000 | 4,000 | ||||||||||
| cash flow from financing | -258,000 | -2,777,000 | 1,334,000 | 1,037,000 | 2,022,000 | 349,000 | -75,000 | 81,000 | -74,000 | 15,000 | 84,000 | 3,000 | 6,000 | 46,000 | 253,000 |
| cash and cash equivalents | |||||||||||||||
| cash | 3,000 | -170,000 | 100,000 | -445,000 | 686,000 | -3,827,000 | 1,517,000 | 832,000 | 602,000 | 197,000 | -316,000 | 473,000 | 230,000 | 411,000 | 433,000 |
| overdraft | |||||||||||||||
| change in cash | 3,000 | -170,000 | 100,000 | -445,000 | 686,000 | -3,827,000 | 1,517,000 | 832,000 | 602,000 | 197,000 | -316,000 | 473,000 | 230,000 | 411,000 | 433,000 |
xps pensions (rl) limited Credit Report and Business Information
Xps Pensions (rl) Limited Competitor Analysis
Perform a competitor analysis for xps pensions (rl) limited by selecting its closest rivals, whether from the FINANCIAL AND INSURANCE ACTIVITIES sector, other small companies, companies in RG1 area or any other competitors across 12 key performance metrics.
xps pensions (rl) limited Ownership
XPS PENSIONS (RL) LIMITED group structure
Xps Pensions (Rl) Limited has no subsidiary companies.
Ultimate parent company
2 parents
XPS PENSIONS (RL) LIMITED
05817049
xps pensions (rl) limited directors
Xps Pensions (Rl) Limited currently has 4 directors. The longest serving directors include Mr Benjamin Bramhall (Jun 2019) and Mr Benjamin Bramhall (Jun 2019).
| officer | country | age | start | end | role |
|---|---|---|---|---|---|
| Mr Benjamin Bramhall | England | 47 years | Jun 2019 | - | Director |
| Mr Benjamin Bramhall | United Kingdom | 47 years | Jun 2019 | - | Director |
| Mr Paul Cuff | England | 57 years | Jun 2019 | - | Director |
| Mr Snehal Shah | 49 years | Jul 2019 | - | Director |
P&L
March 2024turnover
4.6m
+11%
operating profit
1.9m
+15%
gross margin
82.6%
-5.76%
turnover
Turnover, or revenue, is the amount of sales generated by a company within the financial year.
Balance Sheet
March 2024net assets
619k
-0.26%
total assets
2.1m
-0.18%
cash
174k
+0.02%
net assets
Total assets minus all liabilities
xps pensions (rl) limited company details
company number
05817049
Type
Private limited with Share Capital
industry
66290 - Other activities auxiliary to insurance and pension funding
incorporation date
May 2006
age
19
incorporated
UK
ultimate parent company
accounts
Audit Exemption Subsidiary
last accounts submitted
March 2024
previous names
rl corporate pension services limited (June 2019)
accountant
-
auditor
-
address
phoenix house 1 station hill, reading, RG1 1NB
Bank
-
Legal Advisor
-
xps pensions (rl) 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 xps pensions (rl) limited.
xps pensions (rl) 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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xps pensions (rl) limited Companies House Filings - See Documents
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