Pareto Financial Planning Limited

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pareto financial planning limited Company Information

Company Number

06582775

Next Accounts

Dec 2025

Directors

John Stevenson

Stuart Carswell

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Shareholders

stechant limited

Group Structure

View All

Industry

Life insurance

Registered Address

the old schoolhouse, 5-7 byrom street, manchester, M3 4PF

Website

www.paretofp.co.uk

pareto financial planning limited Estimated Valuation

£5.5m

Pomanda estimates the enterprise value of PARETO FINANCIAL PLANNING LIMITED at £5.5m based on a Turnover of £5.8m and 0.94x industry multiple (adjusted for size and gross margin).

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Pareto Financial Planning Limited is a live company located in manchester, M3 4PF with a Companies House number of 06582775. It operates in the financial intermediation not elsewhere classified sector, SIC Code 64999. Founded in May 2008, it's largest shareholder is stechant limited with a 100% stake. Pareto Financial Planning Limited is a established, mid sized company, Pomanda has estimated its turnover at £5.8m with healthy growth in recent years.

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Pomanda's financial health check has awarded Pareto Financial Planning Limited a 4.5 rating. We use a traffic light system to show it exceeds the industry average on 5 measures and has 3 areas for improvement. Company Health Check FAQs

Health Rating4.5out of 5

5 Strong

3 Regular

3 Weak

Size

annual sales of £5.8m, make it larger than the average company (£2.5m)

Growth

3 year (CAGR) sales growth of 11%, show it is growing at a similar rate (10.3%)

EXPORT

Pareto Financial Planning Limited's latest turnover from March 2024 is estimated at £5.8 million and the company has net assets of £1.3 million. According to their latest financial statements, Pareto Financial Planning Limited has 73 employees and maintains cash reserves of £907.8 thousand as reported in the balance sheet.

Data source: Companies House, Pomanda Estimates

	Mar 2024	Mar 2023	Mar 2022	Mar 2021	Mar 2020	Mar 2019	Mar 2018	Mar 2017	Mar 2016	Mar 2015	Mar 2014	Mar 2013	Mar 2012	Mar 2011
Turnover	5,813,343	6,631,755	6,569,900	4,201,836	4,082,307	3,433,780	2,588,958	2,226,090	507,608	1,292,905	837,728	448,491	494,268	202,667
Other Income Or Grants
Cost Of Sales	863,841	821,549	835,003	1,729,559	1,668,928	1,364,534	1,078,695	934,118	218,306	556,996	368,903	80,416	95,255	43,341
Gross Profit	4,949,502	5,810,206	5,734,897	2,472,277	2,413,379	2,069,246	1,510,263	1,291,972	289,301	735,909	468,825	368,075	399,013	159,325
Admin Expenses	5,092,332	5,092,539	4,253,939	3,549,936	1,837,747	1,725,559	510,331	639,540	-108,628	800,821	488,986	330,387	366,154	-47,489
Operating Profit	-142,830	717,667	1,480,958	-1,077,659	575,632	343,687	999,932	652,432	397,929	-64,912	-20,161	37,688	32,859	206,814
Interest Payable	1,482	9,562	8,549	4,676	1,514		1,280	1,231
Interest Receivable	47,050	2,314		428	215	2,543	3,725	1,432	1,311	567			87	87
Pre-Tax Profit	-97,263	710,419	1,472,409	-1,081,907	574,332	346,230	1,002,378	652,634	399,240	-64,345	-20,161	37,688	32,946	206,901
Tax		-150,270	-279,002		-109,123	-65,784	-190,452	-130,527	-79,848			-9,045	-8,566	-57,932
Profit After Tax	-97,263	560,149	1,193,407	-1,081,907	465,209	280,446	811,926	522,107	319,392	-64,345	-20,161	28,643	24,380	148,969
Dividends Paid		843,117	940,977
Retained Profit	-97,263	-282,968	252,430	-1,081,907	465,209	280,446	811,926	522,107	319,392	-64,345	-20,161	28,643	24,380	148,969
Employee Costs	4,833,709	4,990,692	4,292,856	3,453,022	3,168,394	2,713,850	1,948,253	1,701,325	283,401	499,627	372,313	222,029	184,786	150,209
Number Of Employees	73	75	65	56	54	49	37	34	5	7	5	3	3	2
EBITDA*	-74,646	786,803	1,537,672	-1,024,236	624,543	381,251	1,031,328	684,548	430,573	202,865	242,785	299,200	290,765	455,141

* Earnings Before Interest, Tax, Depreciation and Amortisation

	Mar 2024	Mar 2023	Mar 2022	Mar 2021	Mar 2020	Mar 2019	Mar 2018	Mar 2017	Mar 2016	Mar 2015	Mar 2014	Mar 2013	Mar 2012	Mar 2011
Tangible Assets	65,482	115,389	112,748	103,927	116,813	77,960	88,030	45,542	56,371	74,590	74,006	65,094	80,580	39,122
Intangible Assets	12,228	13,102	11,913								240,000	480,000	720,000	960,000
Investments & Other
Debtors (Due After 1 year)			472,157	781,369
Total Fixed Assets	77,710	128,491	596,818	885,296	116,813	77,960	88,030	45,542	56,371	74,590	314,006	545,094	800,580	999,122
Stock & work in progress
Trade Debtors	501,946	606,233	571,658	358,409	402,673	363,070	339,661	313,870	217,098	380,324	269,107	158,148	172,660	83,644
Group Debtors					1,605,829	1,272,496	939,164	605,832	272,500
Misc Debtors	823,255	735,115	631,693	527,409	837,853	1,002,969	871,373	615,007	332,864
Cash	907,834	884,539	900,131	462,387	392,882	36,236	641,789	848,252	297,515	226,760				34,765
misc current assets														16,273
total current assets	2,233,035	2,225,887	2,103,482	1,348,205	3,239,237	2,674,771	2,791,987	2,382,961	1,119,977	607,084	269,107	158,148	172,660	134,682
total assets	2,310,745	2,354,378	2,700,300	2,233,501	3,356,050	2,752,731	2,880,017	2,428,503	1,176,348	681,674	583,113	703,242	973,240	1,133,804
Bank overdraft			139,103	80,170	49,650
Bank loan								39,379
Trade Creditors	28,507	104,253	81,190	41,844	123,252	170,590	45,825	65,649	109,396	551,706	388,800	349,927	412,155	102,513
Group/Directors Accounts				26,651
other short term finances		26,354	26,150	23,495
hp & lease commitments
other current liabilities	955,852	787,427	742,982	606,836	636,618	508,202	1,046,892	1,356,720	622,304
total current liabilities	984,359	918,034	989,425	778,996	809,520	678,792	1,092,717	1,461,748	731,700	551,706	388,800	349,927	412,155	102,513
loans
hp & lease commitments
Accruals and Deferred Income														82,365
other liabilities												138,841	375,254	794,893
provisions	19,428	32,123	23,686	19,746	29,864	22,482	16,289	7,670	7,670	12,382	12,382	12,382	12,382	4,964
total long term liabilities	19,428	32,123	23,686	19,746	29,864	22,482	16,289	7,670	7,670	12,382	12,382	151,223	387,636	882,222
total liabilities	1,003,787	950,157	1,013,111	798,742	839,384	701,274	1,109,006	1,469,418	739,370	564,088	401,182	501,150	799,791	984,735
net assets	1,306,958	1,404,221	1,687,189	1,434,759	2,516,666	2,051,457	1,771,011	959,085	436,978	117,586	181,931	202,092	173,449	149,069
total shareholders funds	1,306,958	1,404,221	1,687,189	1,434,759	2,516,666	2,051,457	1,771,011	959,085	436,978	117,586	181,931	202,092	173,449	149,069

	Mar 2024	Mar 2023	Mar 2022	Mar 2021	Mar 2020	Mar 2019	Mar 2018	Mar 2017	Mar 2016	Mar 2015	Mar 2014	Mar 2013	Mar 2012	Mar 2011
Operating Activities
Operating Profit	-142,830	717,667	1,480,958	-1,077,659	575,632	343,687	999,932	652,432	397,929	-64,912	-20,161	37,688	32,859	206,814
Depreciation	8,374	62,825	56,377	53,423	48,911	37,564	31,396	32,116	32,644	27,777	22,946	21,512	17,906	8,327
Amortisation	59,810	6,311	337							240,000	240,000	240,000	240,000	240,000
Tax		-150,270	-279,002		-109,123	-65,784	-190,452	-130,527	-79,848			-9,045	-8,566	-57,932
Stock
Debtors	-16,147	-334,160	8,321	-1,179,168	207,820	488,337	615,489	712,247	442,138	111,217	110,959	-14,512	89,016	83,644
Creditors	-75,746	23,063	39,346	-81,408	-47,338	124,765	-19,824	-43,747	-442,310	162,906	38,873	-62,228	309,642	102,513
Accruals and Deferred Income	168,425	44,445	136,146	-29,782	128,416	-538,690	-309,828	734,416	622,304				-82,365	82,365
Deferred Taxes & Provisions	-12,695	8,437	3,940	-10,118	7,382	6,193	8,619		-4,712				7,418	4,964
Cash flow from operations	21,485	1,046,638	1,429,781	33,624	396,060	-580,602	-95,646	532,443	83,869	254,554	170,699	242,439	427,878	503,407
Investing Activities
capital expenditure	-17,403	-72,966	-77,448	-40,537	-87,764	-27,494	-73,884	-21,287	-14,425	-28,361	-31,858	-6,026	-59,364	-1,247,449
Change in Investments
cash flow from investments	-17,403	-72,966	-77,448	-40,537	-87,764	-27,494	-73,884	-21,287	-14,425	-28,361	-31,858	-6,026	-59,364	-1,247,449
Financing Activities
Bank loans							-39,379	39,379
Group/Directors Accounts			-26,651	26,651
Other Short Term Loans	-26,354	204	2,655	23,495
Long term loans
Hire Purchase and Lease Commitments
other long term liabilities											-138,841	-236,413	-419,639	794,893
share issue														100
interest	45,568	-7,248	-8,549	-4,248	-1,299	2,543	2,445	201	1,311	567			87	87
cash flow from financing	19,214	-7,044	-32,545	45,898	-1,299	2,543	-36,934	39,580	1,311	567	-138,841	-236,413	-419,552	795,080
cash and cash equivalents
cash	23,295	-15,592	437,744	69,505	356,646	-605,553	-206,463	550,737	70,755	226,760			-34,765	34,765
overdraft		-139,103	58,933	30,520	49,650
change in cash	23,295	123,511	378,811	38,985	306,996	-605,553	-206,463	550,737	70,755	226,760			-34,765	34,765

Very Low Risk70 - 100

Low Risk50 - 70

Moderate Risk30 - 50

High Risk20 - 30

Very High Risk0 - 20

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PARETO FINANCIAL PLANNING LIMITED group structure

Pareto Financial Planning Limited has 1 subsidiary company.

Ultimate parent company

PRIMAS NEWCO 3 LIMITED

13230754

STECHANT LIMITED

10035347

2 parents

PARETO FINANCIAL PLANNING LIMITED

06582775

1 subsidiary

WATSON LAURIE FINANCIAL SERVICES LTD

03360099

PARETO FINANCIAL PLANNING LIMITED Shareholders

stechant limited

100%

Pareto Financial Planning Limited currently has 7 directors. The longest serving directors include Mr John Stevenson (May 2008) and Mr Stuart Carswell (Oct 2017).

officer	country	age	start	end	role
Mr John Stevenson		55 years	May 2008	-	Director
Mr Stuart Carswell	United Kingdom	50 years	Oct 2017	-	Director
Mr Paul Stones	United Kingdom	53 years	Oct 2017	-	Director
Mr Darren Hardy-Dearness	United Kingdom	51 years	Oct 2018	-	Director
Miss Nicola Aspray	United Kingdom	51 years	Feb 2021	-	Director
Mr Christopher Romain	United Kingdom	44 years	Mar 2021	-	Director
Mr Philip Young	United Kingdom	50 years	Sep 2022	-	Director

P&L

March 2024

turnover

5.8m

-12%

operating profit

-142.8k

gross margin

85.2%

-2.82%

turnover

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

Balance Sheet

March 2024

net assets

1.3m

-0.07%

total assets

2.3m

-0.02%

cash

907.8k

+0.03%

net assets

Total assets minus all liabilities

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company number

06582775

Type

Private limited with Share Capital

industry

65201 - Life reinsurance

65110 - Life insurance

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

incorporation date

May 2008

ultimate parent company

PRIMAS NEWCO 3 LIMITED

previous names

pareto financial planning (uk) limited (April 2010)

pareto financial planning limited (May 2008)

address

the old schoolhouse, 5-7 byrom street, manchester, M3 4PF

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 7 charges/mortgages relating to pareto financial planning limited. Currently there are 1 open charges and 6 have been satisfied in the past.

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pareto financial planning limited Company Information

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pareto financial planning limited Estimated Valuation

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