Smart Financial Planning Ltd

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smart financial planning ltd Company Information

Company Number

06274060

Next Accounts

Jun 2025

Directors

Steven Martin

Shareholders

michelle mary martin

steven martin

Group Structure

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Industry

Other financial service activities, except insurance and pension funding, (not including security dealing on own account and factoring) n.e.c.

Registered Address

beehive lofts, unit 4.1, waulk mill, manchester, M4 6LN

Website

www.smartfinancial.co.uk

smart financial planning ltd Estimated Valuation

£314.8k

Pomanda estimates the enterprise value of SMART FINANCIAL PLANNING LTD at £314.8k based on a Turnover of £364.8k and 0.86x industry multiple (adjusted for size and gross margin).

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Smart Financial Planning Ltd is a live company located in manchester, M4 6LN with a Companies House number of 06274060. It operates in the financial intermediation not elsewhere classified sector, SIC Code 64999. Founded in June 2007, it's largest shareholder is michelle mary martin with a 50% stake. Smart Financial Planning Ltd is a established, micro sized company, Pomanda has estimated its turnover at £364.8k with healthy growth in recent years.

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Pomanda's financial health check has awarded Smart Financial Planning Ltd a 2 rating. We use a traffic light system to show it exceeds the industry average on 2 measures and has 7 areas for improvement. Company Health Check FAQs

Health Rating2out of 5

2 Strong

1 Regular

7 Weak

Size

annual sales of £364.8k, make it smaller than the average company (£4.7m)

Growth

3 year (CAGR) sales growth of 6%, show it is growing at a faster rate (3.8%)

EXPORT

Smart Financial Planning Ltd's latest turnover from September 2023 is estimated at £364.8 thousand and the company has net assets of £47.4 thousand. According to their latest financial statements, Smart Financial Planning Ltd has 4 employees and maintains cash reserves of 0 as reported in the balance sheet.

Data source: Companies House, Pomanda Estimates

	Sep 2023	Sep 2022	Sep 2021	Sep 2020	Sep 2019	Sep 2018	Sep 2017	Sep 2016	Sep 2015	Sep 2014	Sep 2013	Sep 2012	Sep 2011	Sep 2010	Sep 2009
Turnover	364,804	305,070	316,092	305,030	261,354	286,701	283,448	306,786	210,214	223,283	170,846	168,699	110,582	88,481	0
Other Income Or Grants	0	0	0	0	0	0	0	0	0	0	0	0	0	0	0
Cost Of Sales	306,349	253,203	261,938	246,514	214,133	226,444	223,352	213,662	147,472	163,280	124,442	122,492	82,508	66,580	0
Gross Profit	58,455	51,867	54,154	58,517	47,221	60,257	60,096	93,123	62,741	60,003	46,404	46,207	28,074	21,901	0
Admin Expenses	98,979	79,649	-27,267	48,621	28,879	64,095	84,939	72,069	60,730	56,778	25,374	50,011	28,205	-285	-8,331
Operating Profit	-40,524	-27,782	81,421	9,896	18,342	-3,838	-24,843	21,054	2,011	3,225	21,030	-3,804	-131	22,186	8,331
Interest Payable	0	0	0	0	0	0	0	0	0	0	0	0	0	0	0
Interest Receivable	0	0	0	0	0	0	16	31	63	83	65	57	62	49	28
Pre-Tax Profit	-40,524	-27,782	81,421	9,896	18,342	-3,838	-24,827	21,085	2,074	3,308	21,095	-3,747	-69	22,235	8,360
Tax	0	0	-15,470	-1,880	-3,485	0	0	-4,217	-415	-695	-4,852	0	0	-6,226	-2,341
Profit After Tax	-40,524	-27,782	65,951	8,016	14,857	-3,838	-24,827	16,868	1,659	2,613	16,243	-3,747	-69	16,009	6,019
Dividends Paid	0	0	0	0	0	0	0	0	0	0	0	0	0	0	0
Retained Profit	-40,524	-27,782	65,951	8,016	14,857	-3,838	-24,827	16,868	1,659	2,613	16,243	-3,747	-69	16,009	6,019
Employee Costs	309,204	221,625	139,389	276,306	278,682	333,978	255,936	250,617	59,001	59,050	59,114	56,314	56,781	55,434	0
Number Of Employees	4	3	2	4	4	5	4	4	1	1	1	1	1	1	0
EBITDA*	-40,524	-27,782	81,421	9,896	18,342	-3,838	-24,843	21,054	2,011	3,225	21,030	-3,804	-131	22,186	8,331

* Earnings Before Interest, Tax, Depreciation and Amortisation

	Sep 2023	Sep 2022	Sep 2021	Sep 2020	Sep 2019	Sep 2018	Sep 2017	Sep 2016	Sep 2015	Sep 2014	Sep 2013	Sep 2012	Sep 2011	Sep 2010	Sep 2009
Tangible Assets	849	1,188	0	0	0	0	0	0	0	0	0	0	0	0	0
Intangible Assets	0	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	0
Debtors (Due After 1 year)	0	0	0	0	0	0	0	0	0	0	0	0	0	0	0
Total Fixed Assets	849	1,188	0	0	0	0	0	0	0	0	0	0	0	0	0
Stock & work in progress	0	0	0	0	0	0	0	0	0	0	0	0	0	0	0
Trade Debtors	109,546	114,677	154,288	79,107	58,590	40,222	72,859	96,033	84,806	84,111	64,578	62,513	43,555	34,087	25,347
Group Debtors	0	0	0	0	0	0	0	0	0	0	0	0	0	0	0
Misc Debtors	1,584	2,476	7,184	7,070	2,205	0	0	0	0	0	0	782	0	0	0
Cash	0	0	0	0	0	0	0	12,995	11,801	13,337	19,695	6,269	16,464	8,224	11,304
misc current assets	0	0	0	0	0	0	0	0	0	0	0	0	0	0	0
total current assets	111,130	117,153	161,472	86,177	60,795	40,222	72,859	109,028	96,607	97,448	84,273	69,564	60,019	42,311	36,651
total assets	111,979	118,341	161,472	86,177	60,795	40,222	72,859	109,028	96,607	97,448	84,273	69,564	60,019	42,311	36,651
Bank overdraft	0	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	0
Trade Creditors	29,258	25,764	42,454	33,110	17,208	13,292	9,551	53,431	57,878	60,378	39,816	41,350	27,989	10,212	20,630
Group/Directors Accounts	0	0	0	0	0	0	0	0	0	0	0	0	69	69	0
other short term finances	0	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	0
other current liabilities	0	0	0	0	0	0	0	0	0	0	0	0	0	0	0
total current liabilities	29,258	25,764	42,454	33,110	17,208	13,292	9,551	53,431	57,878	60,378	39,816	41,350	28,058	10,281	20,630
loans	0	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	0
Accruals and Deferred Income	35,273	4,605	3,264	3,264	1,800	0	32,540	0	0	0	0	0	0	0	0
other liabilities	0	0	0	0	0	0	0	0	0	0	10,000	10,000	10,000	10,000	10,000
provisions	0	0	0	0	0	0	0	0	0	0	0	0	0	0	0
total long term liabilities	35,273	4,605	3,264	3,264	1,800	0	32,540	0	0	0	10,000	10,000	10,000	10,000	10,000
total liabilities	64,531	30,369	45,718	36,374	19,008	13,292	42,091	53,431	57,878	60,378	49,816	51,350	38,058	20,281	30,630
net assets	47,448	87,972	115,754	49,803	41,787	26,930	30,768	55,597	38,729	37,070	34,457	18,214	21,961	22,030	6,021
total shareholders funds	47,448	87,972	115,754	49,803	41,787	26,930	30,768	55,597	38,729	37,070	34,457	18,214	21,961	22,030	6,021

	Sep 2023	Sep 2022	Sep 2021	Sep 2020	Sep 2019	Sep 2018	Sep 2017	Sep 2016	Sep 2015	Sep 2014	Sep 2013	Sep 2012	Sep 2011	Sep 2010	Sep 2009
Operating Activities
Operating Profit	-40,524	-27,782	81,421	9,896	18,342	-3,838	-24,843	21,054	2,011	3,225	21,030	-3,804	-131	22,186	8,331
Depreciation	0	0	0	0	0	0	0	0	0	0	0	0	0	0	0
Amortisation	0	0	0	0	0	0	0	0	0	0	0	0	0	0	0
Tax	0	0	-15,470	-1,880	-3,485	0	0	-4,217	-415	-695	-4,852	0	0	-6,226	-2,341
Stock	0	0	0	0	0	0	0	0	0	0	0	0	0	0	0
Debtors	-6,023	-44,319	75,295	25,382	20,573	-32,637	-23,174	11,227	695	19,533	1,283	19,740	9,468	8,740	25,347
Creditors	3,494	-16,690	9,344	15,902	3,916	3,741	-43,880	-4,447	-2,500	20,562	-1,534	13,361	17,777	-10,418	20,630
Accruals and Deferred Income	30,668	1,341	0	1,464	1,800	-32,540	32,540	0	0	0	0	0	0	0	0
Deferred Taxes & Provisions	0	0	0	0	0	0	0	0	0	0	0	0	0	0	0
Cash flow from operations	-339	1,188	0	0	0	0	-13,009	1,163	-1,599	3,559	13,361	-10,183	8,178	-3,198	1,273
Investing Activities
capital expenditure	339	-1,188	0	0	0	0	0	0	0	0	0	0	0	0	0
Change in Investments	0	0	0	0	0	0	0	0	0	0	0	0	0	0	0
cash flow from investments	339	-1,188	0	0	0	0	0	0	0	0	0	0	0	0	0
Financing Activities
Bank loans	0	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	-69	0	69	0
Other Short Term Loans	0	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	0
Hire Purchase and Lease Commitments	0	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	-10,000	0	0	0	0	10,000
share issue	0	0	0	0	0	0	-2	0	0	0	0	0	0	0	2
interest	0	0	0	0	0	0	16	31	63	83	65	57	62	49	28
cash flow from financing	0	0	0	0	0	0	14	31	63	-9,917	65	-12	62	118	10,030
cash and cash equivalents
cash	0	0	0	0	0	0	-12,995	1,194	-1,536	-6,358	13,426	-10,195	8,240	-3,080	11,304
overdraft	0	0	0	0	0	0	0	0	0	0	0	0	0	0	0
change in cash	0	0	0	0	0	0	-12,995	1,194	-1,536	-6,358	13,426	-10,195	8,240	-3,080	11,304

Very Low Risk70 - 100

Low Risk50 - 70

Moderate Risk30 - 50

High Risk20 - 30

Very High Risk0 - 20

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SMART FINANCIAL PLANNING LTD group structure

Smart Financial Planning Ltd has no subsidiary companies.

Ultimate parent company

SMART FINANCIAL PLANNING LTD

06274060

SMART FINANCIAL PLANNING LTD Shareholders

michelle mary martin	50%
steven martin	50%

Smart Financial Planning Ltd currently has 1 director, Mr Steven Martin serving since Jun 2007.

officer	country	age	start	end	role
Mr Steven Martin	England	49 years	Jun 2007	-	Director

P&L

September 2023

turnover

364.8k

+20%

operating profit

-40.5k

gross margin

16.1%

-5.75%

turnover

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

Balance Sheet

September 2023

net assets

47.4k

-0.46%

total assets

112k

-0.05%

cash

net assets

Total assets minus all liabilities

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company number

06274060

Type

Private limited with Share Capital

industry

64999 - Other financial service activities, except insurance and pension funding, (not including security dealing on own account and factoring) n.e.c.

incorporation date

June 2007

ultimate parent company

None

previous names

smart financial planning (uk) limited (August 2008)

smart financial planning limited (July 2008)

address

beehive lofts, unit 4.1, waulk mill, manchester, M4 6LN

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smart financial planning ltd Company Information

smart financial planning ltd Estimated Valuation

smart financial planning ltd Estimated Valuation

smart financial planning ltd Estimated Valuation

Smart Financial Planning Ltd Overview

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SMART FINANCIAL PLANNING LTD financials

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