pareto financial planning limited Company Information
Company Number
06582775
Website
www.paretofp.co.ukRegistered Address
the old schoolhouse, 5-7 byrom street, manchester, M3 4PF
Industry
Other financial service activities, except insurance and pension funding, (not including security dealing on own account and factoring) n.e.c.
Life insurance
Telephone
0161 819 1311
Next Accounts Due
December 2025
Group Structure
View All
Shareholders
stechant limited 100%
pareto financial planning limited Estimated Valuation
Pomanda estimates the enterprise value of PARETO FINANCIAL PLANNING LIMITED at £0 based on a Turnover of £5.8m and 0x industry multiple (adjusted for size and gross margin).
pareto financial planning limited Estimated Valuation
Pomanda estimates the enterprise value of PARETO FINANCIAL PLANNING LIMITED at £0 based on an EBITDA of £-72.4k and a 0x industry multiple (adjusted for size and gross margin).
pareto financial planning limited Estimated Valuation
Pomanda estimates the enterprise value of PARETO FINANCIAL PLANNING LIMITED at £2.3m based on Net Assets of £1.3m and 1.78x industry multiple (adjusted for liquidity).
Edit your figures and get a professional valuation report.
Pareto Financial Planning Limited Overview
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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Pareto Financial Planning Limited Health Check
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
5 Strong
3 Regular
3 Weak
Size
annual sales of £5.8m, make it larger than the average company (£2.5m)
- Pareto Financial Planning Limited
£2.5m - Industry AVG
Growth
3 year (CAGR) sales growth of 11%, show it is growing at a similar rate (10.2%)
- Pareto Financial Planning Limited
10.2% - Industry AVG
Production
with a gross margin of 54.2%, this company has a comparable cost of product (54.2%)
- Pareto Financial Planning Limited
54.2% - Industry AVG
Profitability
an operating margin of -2.4% make it less profitable than the average company (10.4%)
- Pareto Financial Planning Limited
10.4% - Industry AVG
Employees
with 73 employees, this is above the industry average (14)
73 - Pareto Financial Planning Limited
14 - Industry AVG
Pay Structure
on an average salary of £63.3k, the company has an equivalent pay structure (£63.3k)
- Pareto Financial Planning Limited
£63.3k - Industry AVG
Efficiency
resulting in sales per employee of £79.9k, this is less efficient (£152k)
- Pareto Financial Planning Limited
£152k - Industry AVG
Debtor Days
it gets paid by customers after 31 days, this is earlier than average (134 days)
- Pareto Financial Planning Limited
134 days - Industry AVG
Creditor Days
its suppliers are paid after 3 days, this is quicker than average (19 days)
- Pareto Financial Planning Limited
19 days - Industry AVG
Stock Days
There is insufficient data available for this Key Performance Indicator!
- Pareto Financial Planning Limited
- - Industry AVG
Cash Balance
has cash to cover current liabilities for 47 weeks, this is more cash available to meet short term requirements (18 weeks)
47 weeks - Pareto Financial Planning Limited
18 weeks - Industry AVG
Debt Level
it has a ratio of liabilities to total assets of 43.4%, this is a lower level of debt than the average (76.6%)
43.4% - Pareto Financial Planning Limited
76.6% - Industry AVG
PARETO FINANCIAL PLANNING LIMITED financials
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 | Mar 2010 | |
---|---|---|---|---|---|---|---|---|---|---|---|---|---|---|---|
Turnover | 6,631,755 | 6,569,900 | |||||||||||||
Other Income Or Grants | 0 | 0 | |||||||||||||
Cost Of Sales | 821,549 | 835,003 | |||||||||||||
Gross Profit | 5,810,206 | 5,734,897 | |||||||||||||
Admin Expenses | 5,092,539 | 4,253,939 | |||||||||||||
Operating Profit | 717,667 | 1,480,958 | |||||||||||||
Interest Payable | 9,562 | 8,549 | |||||||||||||
Interest Receivable | 2,314 | 0 | |||||||||||||
Pre-Tax Profit | 710,419 | 1,472,409 | |||||||||||||
Tax | -150,270 | -279,002 | |||||||||||||
Profit After Tax | 560,149 | 1,193,407 | |||||||||||||
Dividends Paid | 843,117 | 940,977 | |||||||||||||
Retained Profit | -282,968 | 252,430 | |||||||||||||
Employee Costs | |||||||||||||||
Number Of Employees | 73 | 75 | 65 | 56 | 54 | 49 | 37 | 34 | |||||||
EBITDA* | 786,803 | 1,537,672 |
* 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 | Mar 2010 | |
---|---|---|---|---|---|---|---|---|---|---|---|---|---|---|---|
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 | 0 |
Intangible Assets | 12,228 | 13,102 | 11,913 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 240,000 | 480,000 | 720,000 | 960,000 | 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 | 472,157 | 781,369 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 |
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 | 0 |
Stock & work in progress | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 |
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 | 0 |
Group Debtors | 0 | 0 | 0 | 0 | 1,605,829 | 1,272,496 | 939,164 | 605,832 | 272,500 | 0 | 0 | 0 | 0 | 0 | 0 |
Misc Debtors | 823,255 | 735,115 | 631,693 | 527,409 | 837,853 | 1,002,969 | 871,373 | 615,007 | 332,864 | 0 | 0 | 0 | 0 | 0 | 0 |
Cash | 907,834 | 884,539 | 900,131 | 462,387 | 392,882 | 36,236 | 641,789 | 848,252 | 297,515 | 226,760 | 0 | 0 | 0 | 34,765 | 0 |
misc current assets | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 16,273 | 0 |
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 | 0 |
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 | 0 |
Bank overdraft | 0 | 0 | 139,103 | 80,170 | 49,650 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 |
Bank loan | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 39,379 | 0 | 0 | 0 | 0 | 0 | 0 | 0 |
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 | 0 |
Group/Directors Accounts | 0 | 0 | 0 | 26,651 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 |
other short term finances | 0 | 26,354 | 26,150 | 23,495 | 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 | 955,852 | 787,427 | 742,982 | 606,836 | 636,618 | 508,202 | 1,046,892 | 1,356,720 | 622,304 | 0 | 0 | 0 | 0 | 0 | 0 |
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 | 0 |
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 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 82,365 | 0 |
other liabilities | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 138,841 | 375,254 | 794,893 | 0 |
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 | 0 |
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 | 0 |
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 | 0 |
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 | 0 |
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 | 0 |
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 | Mar 2010 | |
---|---|---|---|---|---|---|---|---|---|---|---|---|---|---|---|
Operating Activities | |||||||||||||||
Operating Profit | 717,667 | 1,480,958 | |||||||||||||
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 | 0 | 0 | 0 | 0 | 0 | 0 | 240,000 | 240,000 | 240,000 | 240,000 | 240,000 | |
Tax | -150,270 | -279,002 | |||||||||||||
Stock | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 |
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 | 0 |
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 | 0 |
Accruals and Deferred Income | 168,425 | 44,445 | 136,146 | -29,782 | 128,416 | -538,690 | -309,828 | 734,416 | 622,304 | 0 | 0 | 0 | -82,365 | 82,365 | 0 |
Deferred Taxes & Provisions | -12,695 | 8,437 | 3,940 | -10,118 | 7,382 | 6,193 | 8,619 | 0 | -4,712 | 0 | 0 | 0 | 7,418 | 4,964 | 0 |
Cash flow from operations | 1,046,638 | 1,429,781 | |||||||||||||
Investing Activities | |||||||||||||||
capital expenditure | |||||||||||||||
Change in Investments | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 |
cash flow from investments | |||||||||||||||
Financing Activities | |||||||||||||||
Bank loans | 0 | 0 | 0 | 0 | 0 | 0 | -39,379 | 39,379 | 0 | 0 | 0 | 0 | 0 | 0 | 0 |
Group/Directors Accounts | 0 | 0 | -26,651 | 26,651 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 |
Other Short Term Loans | -26,354 | 204 | 2,655 | 23,495 | 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 | 0 | -138,841 | -236,413 | -419,639 | 794,893 | 0 |
share issue | |||||||||||||||
interest | -7,248 | -8,549 | |||||||||||||
cash flow from financing | -7,044 | -32,545 | |||||||||||||
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 | 0 | 0 | -34,765 | 34,765 | 0 |
overdraft | 0 | -139,103 | 58,933 | 30,520 | 49,650 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 |
change in cash | 23,295 | 123,511 | 378,811 | 38,985 | 306,996 | -605,553 | -206,463 | 550,737 | 70,755 | 226,760 | 0 | 0 | -34,765 | 34,765 | 0 |
pareto financial planning limited Credit Report and Business Information
Pareto Financial Planning Limited Competitor Analysis
Perform a competitor analysis for pareto financial planning limited by selecting its closest rivals, whether from the FINANCIAL AND INSURANCE ACTIVITIES sector, other mid companies, companies in M 3 area or any other competitors across 12 key performance metrics.
pareto financial planning limited Ownership
PARETO FINANCIAL PLANNING LIMITED group structure
Pareto Financial Planning Limited has 1 subsidiary company.
Ultimate parent company
2 parents
PARETO FINANCIAL PLANNING LIMITED
06582775
1 subsidiary
pareto financial planning limited directors
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 | United Kingdom | 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 | 50 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 2024turnover
5.8m
-12%
operating profit
-140.6k
0%
gross margin
54.3%
-38.11%
turnover
Turnover, or revenue, is the amount of sales generated by a company within the financial year.
Balance Sheet
March 2024net assets
1.3m
-0.07%
total assets
2.3m
-0.02%
cash
907.8k
+0.03%
net assets
Total assets minus all liabilities
pareto financial planning limited company details
company number
06582775
Type
Private limited with Share Capital
industry
65201 - Life reinsurance
64999 - Other financial service activities, except insurance and pension funding, (not including security dealing on own account and factoring) n.e.c.
65110 - Life insurance
incorporation date
May 2008
age
16
incorporated
UK
ultimate parent company
accounts
Small Company
last accounts submitted
March 2024
previous names
pareto financial planning (uk) limited (April 2010)
pareto financial planning limited (May 2008)
accountant
O' NEILL & CO
auditor
-
address
the old schoolhouse, 5-7 byrom street, manchester, M3 4PF
Bank
-
Legal Advisor
-
pareto financial planning 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 7 charges/mortgages relating to pareto financial planning limited. Currently there are 3 open charges and 4 have been satisfied in the past.
pareto financial planning limited Companies House Filings - See Documents
date | description | view/download |
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