Clever Money Limited

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clever money limited Company Information

Live

EstablishedMicroHigh

Company Number

06411718

Website

www.clevermoneyltd.com

Registered Address

17 hanover road, london, NW10 3DJ

Industry

Activities of insurance agents and brokers

Telephone

02089339966

Next Accounts Due

September 2025

Group Structure

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Directors

Deborah Finlay16 Years

Shareholders

deborah natalie finlay 100%

clever money limited Estimated Valuation

£170.3k

Pomanda estimates the enterprise value of CLEVER MONEY LIMITED at £170.3k based on a Turnover of £122.6k and 1.39x industry multiple (adjusted for size and gross margin).

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Clever Money Limited is a live company located in london, NW10 3DJ with a Companies House number of 06411718. It operates in the activities of insurance agents and brokers sector, SIC Code 66220. Founded in October 2007, it's largest shareholder is deborah natalie finlay with a 100% stake. Clever Money Limited is a established, micro sized company, Pomanda has estimated its turnover at £122.6k with high growth in recent years.

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Pomanda's financial health check has awarded Clever Money Limited a 4 rating. We use a traffic light system to show it exceeds the industry average on 3 measures and has 3 areas for improvement. Company Health Check FAQs

Health Rating4out of 5

3 Strong

3 Regular

3 Weak

Size

annual sales of £122.6k, make it smaller than the average company (£3.2m)

Growth

3 year (CAGR) sales growth of 21%, show it is growing at a faster rate (7%)

EXPORT

Clever Money Limited's latest turnover from December 2023 is estimated at £122.6 thousand and the company has net assets of £29.9 thousand. According to their latest financial statements, Clever Money Limited has 1 employee and maintains cash reserves of £31.5 thousand as reported in the balance sheet.

Data source: Companies House, Pomanda Estimates

	Dec 2023	Dec 2022	Dec 2021	Dec 2020	Dec 2019	Dec 2018	Dec 2017	Dec 2016	Dec 2015	Dec 2014	Dec 2013	Dec 2012	Dec 2011	Dec 2010	Dec 2009
Turnover	122,584	80,259	112,579	69,125	108,633	90,598	238	313	13,044	2,065	1,555	6,824	931	3,180	16,857
Other Income Or Grants	0	0	0	0	0	0	0	0	0	0	0	0	0	0	0
Cost Of Sales	6,414	5,405	11,601	7,194	12,556	10,239	30	46	2,140	477	419	2,185	251	801	0
Gross Profit	116,170	74,853	100,978	61,932	96,077	80,359	208	267	10,904	1,588	1,135	4,640	680	2,379	0
Admin Expenses	116,246	75,242	72,204	74,469	72,619	80,588	289	288	10,919	1,593	2,750	4,644	680	2,379	-1,164
Operating Profit	-76	-389	28,774	-12,537	23,458	-229	-81	-21	-15	-5	-1,615	-4	0	0	1,164
Interest Payable	0	108	71	0	0	0	0	0	0	0	0	0	0	0	0
Interest Receivable	1,548	1,273	63	16	95	83	81	21	15	5	4	4	0	0	0
Pre-Tax Profit	1,472	777	28,767	-12,521	23,553	-146	0	0	0	0	-1,611	0	0	0	1,164
Tax	-368	-148	-5,466	0	-4,475	0	0	0	0	0	0	0	0	0	-260
Profit After Tax	1,104	629	23,301	-12,521	19,078	-146	0	0	0	0	-1,611	0	0	0	904
Dividends Paid	0	0	0	0	0	0	0	0	0	0	0	0	0	0	904
Retained Profit	1,104	629	23,301	-12,521	19,078	-146	0	0	0	0	-1,611	0	0	0	0
Employee Costs	50,495	49,631	50,627	50,110	48,584	47,516	45,204	44,006	43,342	42,001	40,514	39,871	39,403	39,283	0
Number Of Employees	1	1	1	1	1	1	1	1	1	1	1	1	1	1	0
EBITDA*	102	-211	29,040	-12,537	23,458	-229	-81	-21	-15	61	-1,532	100	0	0	1,164

* Earnings Before Interest, Tax, Depreciation and Amortisation

	Dec 2023	Dec 2022	Dec 2021	Dec 2020	Dec 2019	Dec 2018	Dec 2017	Dec 2016	Dec 2015	Dec 2014	Dec 2013	Dec 2012	Dec 2011	Dec 2010	Dec 2009
Tangible Assets	532	710	0	266	266	266	266	266	266	266	332	415	519	649	811
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	500	0	0	0	0	0	0	0	0	0	0
Total Fixed Assets	532	710	0	266	766	266	266	266	266	266	332	415	519	649	811
Stock & work in progress	0	0	0	0	0	0	0	0	0	0	0	0	0	0	0
Trade Debtors	0	4,483	0	500	0	0	0	0	3,443	0	382	1,926	230	809	82
Group Debtors	0	0	0	0	0	0	0	0	0	0	0	0	0	0	0
Misc Debtors	4,088	35	35	3,823	0	2,661	0	0	0	0	0	0	0	0	0
Cash	31,506	30,422	42,330	8,242	22,839	2,585	19,473	12,905	4,027	2,168	0	1,432	0	108	55
misc current assets	430	0	0	2,885	4,965	0	0	0	0	0	0	0	0	0	0
total current assets	36,024	34,940	42,365	15,450	27,804	5,246	19,473	12,905	7,470	2,168	382	3,358	230	917	137
total assets	36,556	35,650	42,365	15,716	28,570	5,512	19,739	13,171	7,736	2,434	714	3,773	749	1,566	948
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	0	0	0	0	0	1,260	810	750	720	3,945	2,225	3,673	0	0	0
Group/Directors Accounts	0	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	0
hp & lease commitments	0	0	0	0	0	0	0	0	0	0	0	0	0	0	0
other current liabilities	6,622	6,820	11,895	10,816	11,149	5,909	20,440	13,932	8,527	0	0	0	649	1,466	848
total current liabilities	6,622	6,820	11,895	10,816	11,149	7,169	21,250	14,682	9,247	3,945	2,225	3,673	649	1,466	848
loans	0	0	2,269	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	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	0	0	0	0	0	0	0	0	0	0	0	0	0	0
total long term liabilities	0	0	2,269	0	0	0	0	0	0	0	0	0	0	0	0
total liabilities	6,622	6,820	14,164	10,816	11,149	7,169	21,250	14,682	9,247	3,945	2,225	3,673	649	1,466	848
net assets	29,934	28,830	28,201	4,900	17,421	-1,657	-1,511	-1,511	-1,511	-1,511	-1,511	100	100	100	100
total shareholders funds	29,934	28,830	28,201	4,900	17,421	-1,657	-1,511	-1,511	-1,511	-1,511	-1,511	100	100	100	100

	Dec 2023	Dec 2022	Dec 2021	Dec 2020	Dec 2019	Dec 2018	Dec 2017	Dec 2016	Dec 2015	Dec 2014	Dec 2013	Dec 2012	Dec 2011	Dec 2010	Dec 2009
Operating Activities
Operating Profit	-76	-389	28,774	-12,537	23,458	-229	-81	-21	-15	-5	-1,615	-4	0	0	1,164
Depreciation	178	178	266	0	0	0	0	0	0	66	83	104	0	0	0
Amortisation	0	0	0	0	0	0	0	0	0	0	0	0	0	0	0
Tax	-368	-148	-5,466	0	-4,475	0	0	0	0	0	0	0	0	0	-260
Stock	0	0	0	0	0	0	0	0	0	0	0	0	0	0	0
Debtors	-430	4,483	-4,288	3,823	-2,161	2,661	0	-3,443	3,443	-382	-1,544	1,696	-579	727	82
Creditors	0	0	0	0	-1,260	450	60	30	-3,225	1,720	-1,448	3,673	0	0	0
Accruals and Deferred Income	-198	-5,075	1,079	-333	5,240	-14,531	6,508	5,405	8,527	0	0	-649	-817	618	848
Deferred Taxes & Provisions	0	0	0	0	0	0	0	0	0	0	0	0	0	0	0
Cash flow from operations	-34	-9,917	28,941	-16,693	25,124	-16,971	6,487	8,857	1,844	2,163	-1,436	1,428	-238	-109	1,670
Investing Activities
capital expenditure	0	-888	0	0	0	0	0	0	0	0	0	0	130	162	-811
Change in Investments	0	0	0	0	0	0	0	0	0	0	0	0	0	0	0
cash flow from investments	0	-888	0	0	0	0	0	0	0	0	0	0	130	162	-811
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	0	0	0	0
Other Short Term Loans	0	0	0	0	0	0	0	0	0	0	0	0	0	0	0
Long term loans	0	-2,269	2,269	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	0	0	0	0	0	0
share issue	0	0	0	0	0	0	0	0	0	0	0	0	0	0	100
interest	1,548	1,165	-8	16	95	83	81	21	15	5	4	4	0	0	0
cash flow from financing	1,548	-1,104	2,261	16	95	83	81	21	15	5	4	4	0	0	100
cash and cash equivalents
cash	1,084	-11,908	34,088	-14,597	20,254	-16,888	6,568	8,878	1,859	2,168	-1,432	1,432	-108	53	55
overdraft	0	0	0	0	0	0	0	0	0	0	0	0	0	0	0
change in cash	1,084	-11,908	34,088	-14,597	20,254	-16,888	6,568	8,878	1,859	2,168	-1,432	1,432	-108	53	55

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 clever money limited by selecting its closest rivals, whether from the FINANCIAL AND INSURANCE ACTIVITIES sector, other micro companies, companies in NW10 area or any other competitors across 12 key performance metrics.

CLEVER MONEY LIMITED group structure

Clever Money Limited has no subsidiary companies.

Ultimate parent company

CLEVER MONEY LIMITED

06411718

CLEVER MONEY LIMITED Shareholders

deborah natalie finlay

100%

Clever Money Limited currently has 1 director, Ms Deborah Finlay serving since Oct 2007.

officer	country	age	start	end	role
Ms Deborah Finlay		60 years	Oct 2007	-	Director

P&L

December 2023

turnover

122.6k

+53%

operating profit

-76.2

gross margin

94.8%

+1.61%

turnover

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

Balance Sheet

December 2023

net assets

29.9k

+0.04%

total assets

36.6k

+0.03%

cash

31.5k

+0.04%

net assets

Total assets minus all liabilities

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company number

06411718

Type

Private limited with Share Capital

industry

66220 - Activities of insurance agents and brokers

incorporation date

October 2007

accounts

Total Exemption Full

ultimate parent company

None

previous names

N/A

last accounts submitted

December 2023

address

17 hanover road, london, NW10 3DJ

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 clever money limited.

clever money limited Company Information

clever money limited Estimated Valuation

clever money limited Estimated Valuation

clever money limited Estimated Valuation

Clever Money Limited Overview

Clever Money Limited Health Check

CLEVER MONEY LIMITED financials

clever money limited Credit Report and Business Information

Clever Money Limited Competitor Analysis

clever money limited Ownership

clever money limited directors

clever money limited company details

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clever money limited Companies House Filings - See Documents