Other financial service activities, except insurance and pension funding, (not including security dealing on own account and factoring) n.e.c.
Registered Address
unit 5 1st floor, highgate business centre highgat, birmingham, B12 8EA
Website
-
cvs financial planning ltdEstimated Valuation
£172.6k
Pomanda estimates the enterprise value of CVS FINANCIAL PLANNING LTD at £172.6k based on a Turnover of £244.7k and 0.71x industry multiple (adjusted for size and gross margin).
cvs financial planning ltdEstimated Valuation
£0
Pomanda estimates the enterprise value of CVS FINANCIAL PLANNING LTD at £0 based on an EBITDA of £-7.6k and a 2.56x industry multiple (adjusted for size and gross margin).
cvs financial planning ltdEstimated Valuation
£267
Pomanda estimates the enterprise value of CVS FINANCIAL PLANNING LTD at £267 based on Net Assets of £217 and 1.23x industry multiple (adjusted for liquidity).
Edit your figures and get a professional valuation report.
Cvs Financial Planning LtdOverview
Cvs Financial Planning Ltd is a live company located in birmingham, B12 8EA with a Companies House number of 06068332. It operates in the financial intermediation not elsewhere classified sector, SIC Code 64999. Founded in January 2007, it's largest shareholder is
shazia sabir
with a 50% stake. Cvs Financial Planning Ltd is a established,
micro sized company, Pomanda has estimated its turnover at
£244.7k with
declining
growth in recent years.
Pomanda's financial health check has awarded Cvs Financial Planning Ltd a 1 rating. We use a traffic light system to show it exceeds the industry average on 1 measures and has 8 areas for improvement. Company Health Check FAQs
Health Rating1out of 5
1 Strong
1 Regular
8 Weak
Size
annual sales of £244.7k, make it smaller than the average company (£5.3m)
£244.7k - Cvs Financial Planning Ltd
£5.3m - Industry AVG
Growth
3 year (CAGR) sales growth of -2%, show it is growing at a slower rate (6.4%)
-2% - Cvs Financial Planning Ltd
6.4% - Industry AVG
Production
with a gross margin of 13.8%, this company has a higher cost of product (55.1%)
13.8% - Cvs Financial Planning Ltd
55.1% - Industry AVG
Profitability
an operating margin of -3.1% make it less profitable than the average company (9.2%)
-3.1% - Cvs Financial Planning Ltd
9.2% - Industry AVG
Employees
with 3 employees, this is below the industry average (12)
3 - Cvs Financial Planning Ltd
12 - Industry AVG
Pay Structure
on an average salary of £79.6k, the company has an equivalent pay structure (£79.6k)
£79.6k - Cvs Financial Planning Ltd
£79.6k - Industry AVG
Efficiency
resulting in sales per employee of £81.6k, this is less efficient (£210.7k)
£81.6k - Cvs Financial Planning Ltd
£210.7k - Industry AVG
Debtor Days
it gets paid by customers after 92 days, this is later than average (32 days)
92 days - Cvs Financial Planning Ltd
32 days - Industry AVG
Creditor Days
its suppliers are paid after 50 days, this is slower than average (41 days)
50 days - Cvs Financial Planning Ltd
41 days - Industry AVG
Stock Days
There is insufficient data available for this Key Performance Indicator!
- - Cvs Financial Planning Ltd
- - Industry AVG
Cash Balance
There is insufficient data available for this Key Performance Indicator!
- - Cvs Financial Planning Ltd
- - Industry AVG
Debt Level
it has a ratio of liabilities to total assets of 99.7%, this is a higher level of debt than the average (69.4%)
99.7% - Cvs Financial Planning Ltd
69.4% - Industry AVG
CVS FINANCIAL PLANNING LTD financials
EXPORT
Cvs Financial Planning Ltd's latest turnover from January 2024 is estimated at £244.7 thousand and the company has net assets of £217. According to their latest financial statements, Cvs Financial Planning Ltd has 3 employees and maintains cash reserves of 0 as reported in the balance sheet.
Data source:Companies House, Pomanda Estimates
Jan 2024
Jan 2023
Jan 2022
Jan 2021
Jan 2020
Jan 2019
Jan 2018
Jan 2017
Jan 2016
Jan 2015
Jan 2014
Jan 2013
Jan 2012
Jan 2011
Jan 2010
Turnover
244,724
238,035
221,875
256,751
265,026
299,232
213,109
227,437
230,912
84,195
79,153
215,339
132,698
58,138
61,208
Other Income Or Grants
Cost Of Sales
210,971
199,140
183,862
209,729
213,643
243,927
168,271
177,288
157,684
59,175
56,159
95,944
43,116
49,277
Gross Profit
33,752
38,896
38,013
47,022
51,383
55,304
44,837
50,149
73,228
25,020
22,994
215,339
36,754
15,021
11,930
Admin Expenses
41,360
35,480
59,399
101,225
33,589
38,124
42,453
20,918
72,674
9,833
11,825
165,134
40,013
20,473
-507
Operating Profit
-7,608
3,416
-21,386
-54,203
17,794
17,180
2,384
29,231
554
15,187
11,169
50,205
-3,259
-5,452
12,437
Interest Payable
1,563
1,665
155
42
353
325
318
1,071
Interest Receivable
3
18
124
55
82
23
53
78
27
20
20
Pre-Tax Profit
-7,608
3,416
-22,946
-55,850
17,763
17,235
2,423
28,901
283
15,266
10,878
72,049
-3,259
-5,432
12,457
Tax
-649
-3,375
-3,275
-460
-5,780
-56
-3,206
-2,502
-14,567
-3,488
Profit After Tax
-7,608
2,767
-22,946
-55,850
14,388
13,960
1,963
23,121
226
12,060
8,376
57,482
-3,259
-5,432
8,969
Dividends Paid
48,000
Retained Profit
-7,608
2,767
-22,946
-55,850
14,388
13,960
1,963
23,121
226
12,060
8,376
9,482
-3,259
-5,432
8,969
Employee Costs
238,734
221,722
221,900
209,433
212,598
69,353
66,016
187,934
183,500
58,637
59,988
56,522
56,328
55,848
59,214
Number Of Employees
3
3
3
3
3
1
1
3
3
1
1
1
1
1
1
EBITDA*
-7,608
3,416
-20,582
-53,773
17,794
17,180
2,384
29,859
1,319
16,121
12,899
52,512
-686
476
20,341
* Earnings Before Interest, Tax, Depreciation and Amortisation
Jan 2024
Jan 2023
Jan 2022
Jan 2021
Jan 2020
Jan 2019
Jan 2018
Jan 2017
Jan 2016
Jan 2015
Jan 2014
Jan 2013
Jan 2012
Jan 2011
Jan 2010
Tangible Assets
2,464
3,005
3,665
1,955
2,385
2,908
2,346
2,861
3,489
4,254
5,188
6,918
7,717
17,782
23,710
Intangible Assets
Investments & Other
Debtors (Due After 1 year)
Total Fixed Assets
2,464
3,005
3,665
1,955
2,385
2,908
2,346
2,861
3,489
4,254
5,188
6,918
7,717
17,782
23,710
Stock & work in progress
Trade Debtors
61,857
64,741
57,435
66,014
87,176
104,868
74,664
68,671
71,739
31,200
31,293
40,160
48,454
23,452
21,935
Group Debtors
Misc Debtors
50,000
Cash
2,222
33,006
14,572
18,141
21,358
9,986
614
7,937
misc current assets
51
total current assets
61,857
64,741
57,435
118,236
120,182
104,868
89,236
86,863
71,739
52,558
41,279
40,774
48,454
23,452
29,872
total assets
64,321
67,746
61,100
120,191
122,567
107,776
91,582
89,724
75,228
56,812
46,467
47,692
56,171
41,234
53,582
Bank overdraft
4,592
1,295
9,990
Bank loan
Trade Creditors
28,960
19,224
9,969
15,304
38,157
35,976
6,519
18,211
22,302
21,183
2,000
43,412
22,702
27,202
Group/Directors Accounts
5,710
other short term finances
hp & lease commitments
other current liabilities
41,984
18,591
22,557
16,505
26,062
total current liabilities
28,960
19,224
9,969
41,984
38,487
38,157
35,976
36,081
44,706
22,302
21,183
28,062
43,412
22,702
27,202
loans
50,000
9,770
hp & lease commitments
Accruals and Deferred Income
other liabilities
34,722
40,235
45,597
4,214
7,048
12,381
14,895
17,311
provisions
422
462
476
103
126
153
total long term liabilities
35,144
40,697
46,073
50,103
126
153
4,214
7,048
9,770
12,381
14,895
17,311
total liabilities
64,104
59,921
56,042
92,087
38,613
38,310
35,976
36,081
44,706
26,516
28,231
37,832
55,793
37,597
44,513
net assets
217
7,825
5,058
28,104
83,954
69,466
55,606
53,643
30,522
30,296
18,236
9,860
378
3,637
9,069
total shareholders funds
217
7,825
5,058
28,104
83,954
69,466
55,606
53,643
30,522
30,296
18,236
9,860
378
3,637
9,069
Jan 2024
Jan 2023
Jan 2022
Jan 2021
Jan 2020
Jan 2019
Jan 2018
Jan 2017
Jan 2016
Jan 2015
Jan 2014
Jan 2013
Jan 2012
Jan 2011
Jan 2010
Operating Activities
Operating Profit
-7,608
3,416
-21,386
-54,203
17,794
17,180
2,384
29,231
554
15,187
11,169
50,205
-3,259
-5,452
12,437
Depreciation
804
430
628
765
934
1,730
2,307
2,573
5,928
7,904
Amortisation
Tax
-649
-3,375
-3,275
-460
-5,780
-56
-3,206
-2,502
-14,567
-3,488
Stock
Debtors
-2,884
7,306
-58,579
28,838
-17,692
30,204
5,993
-3,068
40,539
-93
-8,867
-8,294
25,002
1,517
21,935
Creditors
9,736
9,255
9,969
-15,304
-22,853
2,181
29,457
-11,692
-4,091
1,119
19,183
-41,412
20,710
-4,500
27,202
Accruals and Deferred Income
-41,984
23,393
18,591
-22,557
6,052
16,505
-26,062
26,062
Deferred Taxes & Provisions
-40
-14
373
-23
-27
153
Cash flow from operations
4,972
4,702
6,355
-74,545
27,822
-13,965
2,831
21,507
-26,862
14,127
12,385
30,889
-4,978
-5,541
22,120
Investing Activities
capital expenditure
541
660
-2,514
523
-562
515
-1,508
7,492
-31,614
Change in Investments
cash flow from investments
541
660
-2,514
523
-562
515
-1,508
7,492
-31,614
Financing Activities
Bank loans
Group/Directors Accounts
-5,710
5,710
Other Short Term Loans
Long term loans
-50,000
50,000
-9,770
9,770
Hire Purchase and Lease Commitments
other long term liabilities
-5,513
-5,362
45,597
-4,214
-2,834
7,048
-12,381
-2,514
-2,416
17,311
share issue
-100
100
-100
100
interest
-1,560
-1,647
-31
55
40
-330
-272
78
-291
-1,071
20
20
cash flow from financing
-5,513
-5,362
-6,063
48,353
69
-45
-5,670
5,380
-4,486
-2,756
-3,013
-3,682
-2,514
-2,396
17,431
cash and cash equivalents
cash
-2,222
-30,784
33,006
-14,572
-3,569
18,141
-21,358
11,372
9,372
614
-7,937
7,937
overdraft
-4,592
4,592
-1,295
-8,695
9,990
change in cash
-2,222
-26,192
28,414
-14,572
-2,274
26,836
-31,348
11,372
9,372
614
-7,937
7,937
cvs financial planning ltd Credit Report and Business Information
Very Low Risk70 - 100
Low Risk50 - 70
Moderate Risk30 - 50
High Risk20 - 30
Very High Risk0 - 20
Get a comprehensive credit check for cvs financial planning ltd. Get real-time insights into cvs financial planning ltd's credit score, group structure and payment trends.
Perform a competitor analysis for cvs financial planning ltd by selecting its closest rivals, whether from the FINANCIAL AND INSURANCE ACTIVITIES sector, other micro companies, companies in B12 area or any other competitors across 12 key performance metrics.
cvs financial planning ltd Ownership
CVS FINANCIAL PLANNING LTD group structure
Cvs Financial Planning Ltd has no subsidiary companies.
Ultimate parent company
CVS FINANCIAL PLANNING LTD
06068332
CVS FINANCIAL PLANNING LTD Shareholders
The largest shareholders in Cvs Financial Planning Ltd include Shazia Sabir and Refaqat Sabir.
shazia sabir
50%
refaqat sabir
50%
cvs financial planning ltd directors
Cvs Financial Planning Ltd currently has 2 directors.
The longest serving directors include
Mr Refaqat Sabir (Jan 2007) and
Mrs Shazia Sabir (Feb 2010).
64999 - Other financial service activities, except insurance and pension funding, (not including security dealing on own account and factoring) n.e.c.
incorporation date
January 2007
age
18
incorporated
UK
ultimate parent company
None
accounts
Micro-Entity Accounts
last accounts submitted
January 2024
previous names
N/A
accountant
-
auditor
-
address
unit 5 1st floor, highgate business centre highgat, birmingham, B12 8EA
Bank
BARCLAYS BANK PLC
Legal Advisor
-
cvs financial planning 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 did not find charges/mortgages relating to cvs financial planning ltd.
cvs financial planning 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.
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cvs financial planning ltdCompanies House Filings - See Documents
