Cedar Financial Planning Limited

POWER SEARCH PRICING

SOLUTIONS

cedar financial planning limited Company Information

Live

EstablishedMicroLow

Company Number

05983165

Next Accounts

Jul 2025

Industry

Activities of insurance agents and brokers

Directors

Michael Smith

Shareholders

michael ian smith

Group Structure

View All

Contact

Registered Address

the mills canal street, derby, DE1 2RJ

Website

www.cedarfp.co.uk

cedar financial planning limited Estimated Valuation

£358.3k

Pomanda estimates the enterprise value of CEDAR FINANCIAL PLANNING LIMITED at £358.3k based on a Turnover of £250.6k and 1.43x industry multiple (adjusted for size and gross margin).

Edit your figures and get a professional valuation report.

Cedar Financial Planning Limited is a live company located in derby, DE1 2RJ with a Companies House number of 05983165. It operates in the activities of insurance agents and brokers sector, SIC Code 66220. Founded in October 2006, it's largest shareholder is michael ian smith with a 100% stake. Cedar Financial Planning Limited is a established, micro sized company, Pomanda has estimated its turnover at £250.6k with low growth in recent years.

View Sample

Upgrade for unlimited company reports & a free credit check

Pomanda's financial health check has awarded Cedar Financial Planning Limited a 1 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 Rating1out of 5

1 Strong

2 Regular

7 Weak

Size

annual sales of £250.6k, make it smaller than the average company (£2.9m)

Growth

3 year (CAGR) sales growth of 2%, show it is growing at a slower rate (5.9%)

EXPORT

Cedar Financial Planning Limited's latest turnover from October 2023 is estimated at £250.6 thousand and the company has net assets of £8.7 thousand. According to their latest financial statements, Cedar Financial Planning Limited has 3 employees and maintains cash reserves of £1.6 thousand 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	250,603	281,903	199,370	237,710	151,273	170,059	145,624	81,554	35,521	16,881	15,793	7,026	3,229	5,130	0
Other Income Or Grants	0	0	0	0	0	0	0	0	0	0	0	0	0	0	0
Cost Of Sales	7,821	17,315	21,617	27,417	21,982	19,692	18,921	12,462	7,942	4,271	4,318	2,341	820	1,255	0
Gross Profit	242,781	264,588	177,753	210,293	129,291	150,367	126,703	69,092	27,579	12,610	11,475	4,685	2,409	3,875	0
Admin Expenses	221,183	346,884	48,163	215,604	95,511	134,546	112,346	61,339	27,593	12,841	5,607	4,239	2,774	8,472	-614
Operating Profit	21,598	-82,296	129,590	-5,311	33,780	15,821	14,357	7,753	-14	-231	5,868	446	-365	-4,597	614
Interest Payable	13,643	12,954	11,826	12,243	13,333	14,564	14,619	7,561	0	0	0	0	0	0	0
Interest Receivable	1,050	1,269	66	36	113	128	44	23	11	9	15	15	17	19	7
Pre-Tax Profit	9,005	-93,981	117,830	-17,517	20,559	1,385	-217	215	-3	-222	5,883	461	-349	-4,578	621
Tax	-2,251	0	-22,388	0	-3,906	-263	0	-43	0	0	-1,353	-111	0	0	-174
Profit After Tax	6,754	-93,981	95,442	-17,517	16,653	1,122	-217	172	-3	-222	4,530	350	-349	-4,578	447
Dividends Paid	0	0	0	0	0	0	0	0	0	0	0	0	0	0	0
Retained Profit	6,754	-93,981	95,442	-17,517	16,653	1,122	-217	172	-3	-222	4,530	350	-349	-4,578	447
Employee Costs	146,842	147,397	147,324	144,792	93,000	87,701	86,556	41,752	42,219	40,428	40,149	39,533	38,813	39,283	0
Number Of Employees	3	3	3	3	2	2	2	1	1	1	1	1	1	1	0
EBITDA*	54,074	-47,068	165,968	20,802	59,980	41,887	40,424	26,784	154	110	6,210	737	-247	-4,478	872

* 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	78,863	87,652	77,755	1,334	275	704	1,398	14	16	184	525	372	144	262	41
Intangible Assets	76,769	99,266	121,763	133,202	158,574	183,946	209,318	234,690	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	155,632	186,918	199,518	134,536	158,849	184,650	210,716	234,704	16	184	525	372	144	262	41
Stock & work in progress	0	0	0	0	0	0	0	0	0	0	0	0	0	0	0
Trade Debtors	17,621	0	1,777	18,088	10,577	24,122	12,456	12,906	8,541	4,486	4,421	1,683	724	0	4,371
Group Debtors	0	0	0	0	0	0	0	0	0	0	0	0	0	0	0
Misc Debtors	457	1,090	73,729	27,735	44,995	1,472	1,675	2,244	0	0	0	0	0	0	0
Cash	1,607	38,401	74,427	57,155	15,827	14,325	19,912	15,492	2,753	1,717	2,004	3,882	1,963	4,635	2,799
misc current assets	0	0	0	0	0	0	0	0	0	0	0	0	0	0	0
total current assets	19,685	39,491	149,933	102,978	71,399	39,919	34,043	30,642	11,294	6,203	6,425	5,565	2,687	4,635	7,170
total assets	175,317	226,409	349,451	237,514	230,248	224,569	244,759	265,346	11,310	6,387	6,950	5,937	2,831	4,897	7,211
Bank overdraft	25,624	22,533	22,439	20,288	19,176	18,768	17,654	17,375	0	0	0	0	0	0	0
Bank loan	0	0	0	0	0	0	0	0	0	0	0	0	0	0	0
Trade Creditors	0	8,801	0	0	0	0	0	0	11,035	6,109	6,450	9,967	7,211	8,928	6,664
Group/Directors Accounts	11,391	23,029	0	0	0	6	51	7,665	0	0	0	0	0	0	0
other short term finances	8,540	14,337	23,777	10,107	8,023	8,143	4,454	4,385	0	0	0	0	0	0	0
hp & lease commitments	8,747	8,328	7,910	0	0	0	0	0	0	0	0	0	0	0	0
other current liabilities	31,519	19,501	34,580	25,008	22,863	17,527	18,633	15,280	0	0	0	0	0	0	0
total current liabilities	85,821	96,529	88,706	55,403	50,062	44,444	40,792	44,705	11,035	6,109	6,450	9,967	7,211	8,928	6,664
loans	70,059	101,450	129,506	181,622	162,180	178,773	203,737	220,194	0	0	0	0	0	0	0
hp & lease commitments	10,733	19,480	27,808	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	0
other liabilities	0	0	0	0	0	0	0	0	0	0	0	0	0	0	0
provisions	0	7,000	7,500	0	0	0	0	0	0	0	0	0	0	0	0
total long term liabilities	80,792	127,930	164,814	181,622	162,180	178,773	203,737	220,194	0	0	0	0	0	0	0
total liabilities	166,613	224,459	253,520	237,025	212,242	223,217	244,529	264,899	11,035	6,109	6,450	9,967	7,211	8,928	6,664
net assets	8,704	1,950	95,931	489	18,006	1,352	230	447	275	278	500	-4,030	-4,380	-4,031	547
total shareholders funds	8,704	1,950	95,931	489	18,006	1,352	230	447	275	278	500	-4,030	-4,380	-4,031	547

	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	21,598	-82,296	129,590	-5,311	33,780	15,821	14,357	7,753	-14	-231	5,868	446	-365	-4,597	614
Depreciation	9,979	12,731	13,921	741	828	694	695	2	168	341	342	291	118	119	258
Amortisation	22,497	22,497	22,457	25,372	25,372	25,372	25,372	19,029	0	0	0	0	0	0	0
Tax	-2,251	0	-22,388	0	-3,906	-263	0	-43	0	0	-1,353	-111	0	0	-174
Stock	0	0	0	0	0	0	0	0	0	0	0	0	0	0	0
Debtors	16,988	-74,416	29,683	-9,749	29,978	11,463	-1,019	6,609	4,055	65	2,738	959	724	-4,371	4,371
Creditors	-8,801	8,801	0	0	0	0	0	-11,035	4,926	-341	-3,517	2,756	-1,717	2,264	6,664
Accruals and Deferred Income	12,018	-15,079	9,572	2,145	5,336	-1,106	3,353	15,280	0	0	0	0	0	0	0
Deferred Taxes & Provisions	-7,000	-500	7,500	0	0	0	0	0	0	0	0	0	0	0	0
Cash flow from operations	31,052	20,570	130,969	32,696	31,432	29,055	44,796	24,377	1,025	-296	-1,398	2,423	-2,688	2,157	2,991
Investing Activities
capital expenditure	-1,190	-22,628	-101,360	-1,800	-399	0	-2,079	-253,719	0	0	-495	-519	0	-340	-299
Change in Investments	0	0	0	0	0	0	0	0	0	0	0	0	0	0	0
cash flow from investments	-1,190	-22,628	-101,360	-1,800	-399	0	-2,079	-253,719	0	0	-495	-519	0	-340	-299
Financing Activities
Bank loans	0	0	0	0	0	0	0	0	0	0	0	0	0	0	0
Group/Directors Accounts	-11,638	23,029	0	0	-6	-45	-7,614	7,665	0	0	0	0	0	0	0
Other Short Term Loans	-5,797	-9,440	13,670	2,084	-120	3,689	69	4,385	0	0	0	0	0	0	0
Long term loans	-31,391	-28,056	-52,116	19,442	-16,593	-24,964	-16,457	220,194	0	0	0	0	0	0	0
Hire Purchase and Lease Commitments	-8,328	-7,910	35,718	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	0
share issue	0	0	0	0	1	0	0	0	0	0	0	0	0	0	100
interest	-12,593	-11,685	-11,760	-12,207	-13,220	-14,436	-14,575	-7,538	11	9	15	15	17	19	7
cash flow from financing	-69,747	-34,062	-14,488	9,319	-29,938	-35,756	-38,577	224,706	11	9	15	15	17	19	107
cash and cash equivalents
cash	-36,794	-36,026	17,272	41,328	1,502	-5,587	4,420	12,739	1,036	-287	-1,878	1,919	-2,672	1,836	2,799
overdraft	3,091	94	2,151	1,112	408	1,114	279	17,375	0	0	0	0	0	0	0
change in cash	-39,885	-36,120	15,121	40,216	1,094	-6,701	4,141	-4,636	1,036	-287	-1,878	1,919	-2,672	1,836	2,799

Very Low Risk70 - 100

Low Risk50 - 70

Moderate Risk30 - 50

High Risk20 - 30

Very High Risk0 - 20

Get a comprehensive credit check for cedar financial planning limited. Get real-time insights into cedar financial planning limited's credit score, group structure and payment trends.

From as little as £6.99

This will not impact your credit rating!

View Credit Report Sample

Perform a competitor analysis for cedar financial planning limited by selecting its closest rivals, whether from the FINANCIAL AND INSURANCE ACTIVITIES sector, other micro companies, companies in DE1 area or any other competitors across 12 key performance metrics.

CEDAR FINANCIAL PLANNING LIMITED group structure

Cedar Financial Planning Limited has no subsidiary companies.

Ultimate parent company

CEDAR FINANCIAL PLANNING LIMITED

05983165

CEDAR FINANCIAL PLANNING LIMITED Shareholders

michael ian smith

100%

Cedar Financial Planning Limited currently has 1 director, Mr Michael Smith serving since Oct 2006.

officer	country	age	start	end	role
Mr Michael Smith	England	49 years	Oct 2006	-	Director

P&L

October 2023

turnover

250.6k

-11%

operating profit

21.6k

gross margin

96.9%

+3.22%

turnover

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

Balance Sheet

October 2023

net assets

8.7k

+3.46%

total assets

175.3k

-0.23%

cash

1.6k

-0.96%

net assets

Total assets minus all liabilities

Similar Companies

archway services (midlands) limited

1.5

the independent life & pensions group ltd

inspire financial solutions limited

1.5

regent healthcare limited

one commercial choice ltd

company number

05983165

Type

Private limited with Share Capital

industry

66220 - Activities of insurance agents and brokers

incorporation date

October 2006

ultimate parent company

None

previous names

m s mortgages limited (July 2013)

address

the mills canal street, derby, DE1 2RJ

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 1 charges/mortgages relating to cedar financial planning limited. Currently there are 0 open charges and 1 have been satisfied in the past.

cedar financial planning limited Company Information

cedar financial planning limited Estimated Valuation

cedar financial planning limited Estimated Valuation

cedar financial planning limited Estimated Valuation

Cedar Financial Planning Limited Overview

Cedar Financial Planning Limited Health Check

CEDAR FINANCIAL PLANNING LIMITED financials

cedar financial planning limited Credit Report and Business Information

Cedar Financial Planning Limited Competitor Analysis

cedar financial planning limited Ownership

cedar financial planning limited directors

cedar financial planning limited company details

cedar financial planning limited Charges & Mortgages

cedar financial planning limited Companies House Filings - See Documents