perspective financial group limitedEstimated Valuation
£115.4m
Pomanda estimates the enterprise value of PERSPECTIVE FINANCIAL GROUP LIMITED at £115.4m based on a Turnover of £37.6m and 3.07x industry multiple (adjusted for size and gross margin).
perspective financial group limitedEstimated Valuation
£81.4m
Pomanda estimates the enterprise value of PERSPECTIVE FINANCIAL GROUP LIMITED at £81.4m based on an EBITDA of £7.7m and a 10.59x industry multiple (adjusted for size and gross margin).
perspective financial group limitedEstimated Valuation
£28.1m
Pomanda estimates the enterprise value of PERSPECTIVE FINANCIAL GROUP LIMITED at £28.1m based on Net Assets of £21.5m and 1.31x industry multiple (adjusted for liquidity).
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Perspective Financial Group LimitedOverview
Perspective Financial Group Limited is a live company located in chorley, PR7 1NY with a Companies House number of 06455775. It operates in the financial intermediation not elsewhere classified sector, SIC Code 64999. Founded in December 2007, it's largest shareholder is
symbol bidco i limited
with a 100% stake. Perspective Financial Group Limited is a established,
large sized company, Pomanda has estimated its turnover at
£37.6m with
rapid
growth in recent years.
Pomanda's financial health check has awarded Perspective Financial Group Limited a 3 rating. We use a traffic light system to show it exceeds the industry average on 6 measures and has 5 areas for improvement. Company Health Check FAQs
Health Rating3out of 5
6 Strong
0 Regular
5 Weak
Size
annual sales of £37.6m, make it larger than the average company (£5.6m)
£37.6m - Perspective Financial Group Limited
£5.6m - Industry AVG
Growth
3 year (CAGR) sales growth of 34%, show it is growing at a faster rate (5%)
34% - Perspective Financial Group Limited
5% - Industry AVG
Production
with a gross margin of 93.2%, this company has a lower cost of product (54.1%)
93.2% - Perspective Financial Group Limited
54.1% - Industry AVG
Profitability
an operating margin of 7.1% make it less profitable than the average company (9.1%)
7.1% - Perspective Financial Group Limited
9.1% - Industry AVG
Employees
with 392 employees, this is above the industry average (14)
392 - Perspective Financial Group Limited
14 - Industry AVG
Pay Structure
on an average salary of £43k, the company has a lower pay structure (£82.7k)
£43k - Perspective Financial Group Limited
£82.7k - Industry AVG
Efficiency
resulting in sales per employee of £95.9k, this is less efficient (£223.3k)
£95.9k - Perspective Financial Group Limited
£223.3k - Industry AVG
Debtor Days
it gets paid by customers after 55 days, this is later than average (33 days)
55 days - Perspective Financial Group Limited
33 days - Industry AVG
Creditor Days
its suppliers are paid after 155 days, this is slower than average (46 days)
155 days - Perspective Financial Group Limited
46 days - Industry AVG
Stock Days
There is insufficient data available for this Key Performance Indicator!
- - Perspective Financial Group Limited
- - Industry AVG
Cash Balance
has cash to cover current liabilities
for 4 weeks, this is less cash available to meet short term requirements (29 weeks)
4 weeks - Perspective Financial Group Limited
29 weeks - Industry AVG
Debt Level
it has a ratio of liabilities to total assets of 83%, this is a higher level of debt than the average (71.4%)
83% - Perspective Financial Group Limited
71.4% - Industry AVG
PERSPECTIVE FINANCIAL GROUP LIMITED financials
EXPORT
Perspective Financial Group Limited's latest turnover from December 2023 is £37.6 million and the company has net assets of £21.5 million. According to their latest financial statements, Perspective Financial Group Limited has 392 employees and maintains cash reserves of £6.5 million 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
37,592,376
26,391,220
22,115,038
15,727,174
15,774,527
17,036,216
17,631,775
16,873,257
16,525,134
17,168,871
16,889,006
20,372,976
18,019,167
13,347,894
7,714,299
Other Income Or Grants
Cost Of Sales
2,562,054
2,205,733
1,815,580
1,407,782
1,409,319
1,391,087
1,218,585
1,265,102
1,440,015
1,296,962
1,477,372
1,304,783
1,207,850
1,511,562
982,612
Gross Profit
35,030,322
24,185,487
20,299,458
14,319,392
14,365,208
15,645,129
16,413,190
15,608,155
15,085,119
15,871,909
15,411,634
19,068,193
16,811,317
11,836,332
6,731,687
Admin Expenses
32,369,377
22,938,975
17,510,043
13,734,342
14,560,283
13,331,653
14,910,194
13,030,036
13,673,255
16,309,692
19,066,975
18,059,418
16,573,397
11,530,345
7,744,456
Operating Profit
2,660,945
1,246,512
2,789,415
585,050
-195,075
2,313,476
1,502,996
2,578,119
1,411,864
-437,783
-3,655,341
1,008,775
237,920
305,987
-1,012,769
Interest Payable
46,506
44,374
35,565
26,489
1,991,177
3,836,192
3,615,696
3,388,693
2,782,254
620,215
1,334,853
1,527,007
1,252,758
899,831
673,430
Interest Receivable
32
36
56
177
2,295
7,404
2,483
214
387
541,346
127
606
13,178
1,944
2,481
Pre-Tax Profit
2,717,882
1,262,014
2,835,411
4,809,458
-1,254,308
-1,490,044
-2,829,397
-772,929
-1,332,240
-502,373
-5,422,990
-1,454,253
-1,971,772
-584,180
-1,688,115
Tax
-557,917
-1,128,140
-823,783
-597,136
543,968
-52,804
117,768
-76,665
113,499
-341,274
385,940
75,734
-204,867
-138,435
188,137
Profit After Tax
2,159,965
133,874
2,011,628
4,212,322
-710,340
-1,542,848
-2,711,629
-849,594
-1,218,741
-843,647
-5,037,050
-1,378,519
-2,176,639
-722,615
-1,499,978
Dividends Paid
4,144,738
30,000
35,000
Retained Profit
2,151,301
122,995
2,000,944
51,611
-710,340
-1,542,848
-2,711,629
-879,594
-1,253,741
-843,647
-5,037,050
-1,378,519
-2,176,639
-722,615
-1,499,978
Employee Costs
16,867,109
13,069,585
10,208,029
8,147,443
7,971,996
7,186,869
7,709,975
7,422,463
7,217,584
7,802,907
10,022,331
9,766,384
9,196,635
6,020,507
4,072,558
Number Of Employees
392
273
214
181
178
160
169
171
180
191
225
250
238
208
135
EBITDA*
7,683,243
4,482,837
5,068,127
2,171,507
1,333,353
3,706,892
3,043,649
4,037,576
3,435,419
2,683,073
-173,185
5,222,203
3,279,495
2,135,400
227,205
* 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
1,601,848
1,164,661
980,727
913,847
606,393
474,451
459,883
384,400
369,368
387,580
463,783
413,231
488,330
410,898
355,285
Intangible Assets
109,897,802
46,496,176
28,785,184
14,353,649
15,943,957
13,819,683
14,630,061
16,730,066
18,098,438
19,917,702
22,556,440
25,896,361
25,747,241
23,088,627
16,120,536
Investments & Other
88,729
84,901
61,675
84,986
61,241
54,412
59,172
69,516
69,529
74,560
72,665
43,204
32,814
32,335
19,835
Debtors (Due After 1 year)
109,794
309,226
272,024
19,050
19,050
19,050
258,220
578,100
385,046
180,512
236,175
145,061
Total Fixed Assets
111,588,379
47,745,738
29,827,586
15,462,276
16,920,817
14,620,570
15,168,166
17,203,032
18,556,385
20,638,062
23,670,988
26,737,842
26,448,897
23,768,035
16,640,717
Stock & work in progress
Trade Debtors
5,751,873
3,298,539
2,684,479
2,153,456
2,224,830
2,169,640
2,205,519
2,831,344
2,498,767
2,401,304
2,457,696
4,752,119
3,329,310
2,516,692
1,336,482
Group Debtors
412,725
272,217
35,602
Misc Debtors
2,524,118
2,095,643
1,242,533
891,146
904,061
861,942
603,185
1,206,453
899,505
677,030
534,287
893,835
870,935
615,702
726,831
Cash
6,464,537
3,064,150
3,583,617
4,083,820
1,729,694
3,344,280
3,357,212
479,129
15,052
112,495
153,055
430,433
1,359,543
6,057,724
722,319
misc current assets
total current assets
15,153,253
8,730,549
7,546,231
7,128,422
4,858,585
6,375,862
6,165,916
4,516,926
3,413,324
3,190,829
3,145,038
6,076,387
5,559,788
9,190,118
2,785,632
total assets
126,741,632
56,476,287
37,373,817
22,590,698
21,779,402
20,996,432
21,334,082
21,719,958
21,969,709
23,828,891
26,816,026
32,814,229
32,008,685
32,958,153
19,426,349
Bank overdraft
2,478
377,590
60,108
123,637
74,094
783
8,055
1,585
Bank loan
2,500,000
1,620,000
8,150,093
10,950,093
Trade Creditors
1,090,290
1,312,424
610,159
568,825
409,672
333,228
22,870,779
650,928
1,368,460
1,069,956
1,953,696
935,430
472,853
502,601
264,375
Group/Directors Accounts
56,695,406
16,902,149
5,597,916
1,259,648
1,374
8,087
23,618
26,173
other short term finances
7,023,666
13,234,213
4,244,363
2,547,528
2,552,972
959,342
hp & lease commitments
other current liabilities
22,092,737
11,494,186
6,510,916
3,269,168
3,109,834
6,426,366
1,609,012
2,248,581
2,385,275
4,612,735
7,059,044
7,965,536
8,261,636
5,363,402
total current liabilities
79,878,433
29,708,759
12,718,991
5,097,641
3,519,506
16,284,634
22,870,779
3,882,418
12,152,811
14,489,050
19,950,454
12,312,931
10,986,700
11,325,264
6,588,704
loans
13,920,000
4,860,000
22,144,187
10,695,461
16,520,962
23,896,813
22,178,803
21,162,964
12,217,312
hp & lease commitments
Accruals and Deferred Income
63,039
1,261,457
256,830
314,430
451,319
1,843,200
1,515,800
1,115,000
other liabilities
25,177,290
6,985,670
4,783,619
272,800
1,091,250
200,000
12,899,844
1,545,850
2,775,833
3,262,125
2,879,375
provisions
190,412
437,662
650,006
231,900
502,139
885,187
1,201,694
81,596
85,972
116,973
195,786
6,577
total long term liabilities
25,367,702
7,423,332
5,433,625
272,800
1,091,250
14,414,939
6,623,596
23,286,204
14,415,968
11,146,780
18,445,758
27,044,435
26,186,609
24,620,875
15,103,264
total liabilities
105,246,135
37,132,091
18,152,616
5,370,441
4,610,756
30,699,573
29,494,375
27,168,622
26,568,779
25,635,830
38,396,212
39,357,366
37,173,309
35,946,139
21,691,968
net assets
21,495,497
19,344,196
19,221,201
17,220,257
17,168,646
-9,703,141
-8,160,293
-5,448,664
-4,599,070
-1,806,939
-11,580,186
-6,543,137
-5,164,624
-2,987,986
-2,265,619
total shareholders funds
21,495,497
19,344,196
19,221,201
17,220,257
17,168,646
-9,703,141
-8,160,293
-5,448,664
-4,599,070
-1,806,939
-11,580,186
-6,543,137
-5,164,624
-2,987,986
-2,265,619
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
2,660,945
1,246,512
2,789,415
585,050
-195,075
2,313,476
1,502,996
2,578,119
1,411,864
-437,783
-3,655,341
1,008,775
237,920
305,987
-1,012,769
Depreciation
378,315
332,984
240,349
162,956
120,718
115,130
156,092
76,357
99,306
115,968
115,408
108,885
135,977
109,569
73,162
Amortisation
4,643,983
2,903,341
2,038,363
1,423,501
1,407,710
1,278,286
1,384,561
1,383,100
1,924,249
3,004,888
3,366,748
4,104,543
2,905,598
1,719,844
1,166,812
Tax
-557,917
-1,128,140
-823,783
-597,136
543,968
-52,804
117,768
-76,665
113,499
-341,274
385,940
75,734
-204,867
-138,435
188,137
Stock
Debtors
3,022,317
1,703,785
808,218
-283,721
134,511
475,852
-1,229,093
639,525
80,768
-233,529
-2,460,917
1,650,243
1,012,188
1,160,195
2,208,374
Creditors
-222,134
702,265
41,334
159,153
76,444
-22,537,551
22,219,851
-717,532
298,504
-883,740
1,018,266
462,577
-29,748
238,226
264,375
Accruals and Deferred Income
10,598,551
4,983,270
3,241,748
159,334
-3,379,571
5,227,948
-604,385
-697,169
-273,583
-3,619,341
-2,118,909
-505,692
818,900
2,898,234
5,363,402
Deferred Taxes & Provisions
-247,250
-212,344
650,006
-231,900
-270,239
-383,048
-316,507
1,201,694
-81,596
-4,376
-31,001
-78,813
189,209
6,577
Cash flow from operations
14,232,176
7,124,103
7,369,214
2,176,579
-1,792,217
-14,401,606
25,622,928
1,590,178
4,694,765
-2,009,349
1,568,653
3,573,578
2,772,779
4,162,439
3,841,322
Investing Activities
capital expenditure
-434,912
-266,135
-106,117
-399,403
-2,169,911
-82,788
-3,440,564
-9,467,904
-8,781,387
-6,776,471
Change in Investments
3,828
23,226
-23,311
23,745
6,829
-4,760
-10,344
-13
-5,031
1,895
29,461
10,390
479
12,500
19,835
cash flow from investments
-3,828
-23,226
23,311
-23,745
-6,829
-430,152
-255,791
-106,104
-394,372
-2,171,806
-112,249
-3,450,954
-9,468,383
-8,793,887
-6,796,306
Financing Activities
Bank loans
-2,500,000
2,500,000
-1,620,000
-6,530,093
-2,800,000
10,950,093
Group/Directors Accounts
39,793,257
11,304,233
4,338,268
1,259,648
-1,374
1,374
-8,087
-15,531
-2,555
26,173
Other Short Term Loans
-7,023,666
7,023,666
-13,234,213
8,989,850
1,696,835
-5,444
1,593,630
959,342
Long term loans
-13,920,000
9,060,000
-17,284,187
22,144,187
-10,695,461
-5,825,501
-7,375,851
1,718,010
1,015,839
8,945,652
12,217,312
Hire Purchase and Lease Commitments
other long term liabilities
18,191,620
2,202,051
4,510,819
-818,450
891,250
200,000
-12,899,844
12,899,844
-1,545,850
-1,229,983
-486,292
382,750
2,879,375
share issue
27,582,127
30,000
-1,538,390
10,616,894
1
6
1
248
-765,641
interest
-46,474
-44,338
-35,509
-26,312
-1,988,882
-3,828,788
-3,613,213
-3,388,479
-2,781,867
-78,869
-1,334,726
-1,526,401
-1,239,580
-897,887
-670,949
cash flow from financing
57,938,403
13,461,946
8,813,578
414,886
3,039,455
14,956,252
-22,517,400
-652,316
-4,931,405
2,425,849
-1,240,403
658,467
-715,476
10,024,393
14,619,439
cash and cash equivalents
cash
3,400,387
-519,467
-500,203
2,354,126
-1,614,586
-12,932
2,878,083
464,077
-97,443
-40,560
-277,378
-929,110
-4,698,181
5,335,405
722,319
overdraft
-2,478
-375,112
317,482
-63,529
49,543
73,311
-7,272
6,470
1,585
change in cash
3,400,387
-519,467
-500,203
2,354,126
-1,614,586
-12,932
2,880,561
839,189
-414,925
22,969
-326,921
-1,002,421
-4,690,909
5,328,935
720,734
perspective financial group limited 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 perspective financial group limited. Get real-time insights into perspective financial group limited's credit score, group structure and payment trends.
Perspective Financial Group Limited Competitor Analysis
Perform a competitor analysis for perspective financial group limited by selecting its closest rivals, whether from the FINANCIAL AND INSURANCE ACTIVITIES sector, other large companies, companies in PR7 area or any other competitors across 12 key performance metrics.
perspective financial group limited Ownership
PERSPECTIVE FINANCIAL GROUP LIMITED group structure
Perspective Financial Group Limited has 2 subsidiary companies.
The sole shareholder of Perspective Financial Group Limited is Symbol Bidco I Limited.
symbol bidco i limited
100%
perspective financial group limited directors
Perspective Financial Group Limited currently has 5 directors.
The longest serving directors include
Mrs Julie Hepworth (Dec 2013) and
Mrs Julie Hepworth (Dec 2013).
perspective financial group limited company details
company number
06455775
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
December 2007
age
18
incorporated
UK
ultimate parent company
SYMBOL BIDCO I LTD
accounts
Group
last accounts submitted
December 2023
previous names
N/A
accountant
-
auditor
AZETS AUDIT SERVICES
address
lancaster house,, ackhurst business park, chorley, PR7 1NY
Bank
-
Legal Advisor
-
perspective financial group 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 found 34 charges/mortgages relating to perspective financial group limited. Currently there are 2 open charges and 32 have been satisfied in the past.
perspective financial group 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.
Click to start generating capital raising & share issue transactions for PERSPECTIVE FINANCIAL GROUP LIMITED. This can take several minutes, an email will notify you when this has completed.
perspective financial group limitedCompanies House Filings - See Documents
