pareto financial planning limited

4.5

pareto financial planning limited Company Information

Share PARETO FINANCIAL PLANNING LIMITED
Live 
EstablishedMidHealthy

Company Number

06582775

Registered 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

 
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Telephone

0161 819 1311

Next Accounts Due

December 2025

Group Structure

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Directors

John Stevenson16 Years

Stuart Carswell7 Years

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Shareholders

stechant limited 100%

pareto financial planning limited Estimated Valuation

£0

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

£0

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

£2.3m

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).

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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

Health Check Image
Health Rating4.5out of 5
positive_score

5 Strong

positive_score

3 Regular

positive_score

3 Weak

size

Size

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

£5.8m - Pareto Financial Planning Limited

£2.5m - Industry AVG

growth

Growth

3 year (CAGR) sales growth of 11%, show it is growing at a similar rate (10.2%)

11% - Pareto Financial Planning Limited

10.2% - Industry AVG

production

Production

with a gross margin of 54.2%, this company has a comparable cost of product (54.2%)

54.2% - Pareto Financial Planning Limited

54.2% - Industry AVG

profitability

Profitability

an operating margin of -2.4% make it less profitable than the average company (10.4%)

-2.4% - Pareto Financial Planning Limited

10.4% - Industry AVG

employees

Employees

with 73 employees, this is above the industry average (14)

73 - Pareto Financial Planning Limited

14 - Industry AVG

paystructure

Pay Structure

on an average salary of £63.3k, the company has an equivalent pay structure (£63.3k)

£63.3k - Pareto Financial Planning Limited

£63.3k - Industry AVG

efficiency

Efficiency

resulting in sales per employee of £79.9k, this is less efficient (£152k)

£79.9k - Pareto Financial Planning Limited

£152k - Industry AVG

debtordays

Debtor Days

it gets paid by customers after 31 days, this is earlier than average (134 days)

31 days - Pareto Financial Planning Limited

134 days - Industry AVG

creditordays

Creditor Days

its suppliers are paid after 3 days, this is quicker than average (19 days)

3 days - Pareto Financial Planning Limited

19 days - Industry AVG

stockdays

Stock Days

There is insufficient data available for this Key Performance Indicator!

- - Pareto Financial Planning Limited

- - Industry AVG

cashbalance

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

debtlevel

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

EXPORTms excel logo

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 HousePomanda Estimates

Mar 2024Mar 2023Mar 2022Mar 2021Mar 2020Mar 2019Mar 2018Mar 2017Mar 2016Mar 2015Mar 2014Mar 2013Mar 2012Mar 2011Mar 2010
Turnover5,832,0086,631,7556,569,9004,241,4504,235,1553,485,4712,657,2722,222,518511,2441,289,060841,327447,513493,534203,0460
Other Income Or Grants000000000000000
Cost Of Sales2,669,608821,549835,0031,988,2082,101,5151,624,6701,171,430973,668224,084555,611370,81779,80599,32645,3640
Gross Profit3,162,4005,810,2065,734,8972,253,2412,133,6391,860,8021,485,8421,248,849287,161733,449470,510367,708394,208157,6820
Admin Expenses3,303,0235,092,5394,253,9393,330,9001,558,0071,517,115485,910596,417-110,768798,361490,671330,020361,349-49,1320
Operating Profit-140,623717,6671,480,958-1,077,659575,632343,687999,932652,432397,929-64,912-20,16137,68832,859206,8140
Interest Payable1,4499,5628,5494,6761,51401,2801,2310000000
Interest Receivable44,8092,31404282152,5433,7251,4321,3115670087870
Pre-Tax Profit-97,263710,4191,472,409-1,081,907574,332346,2301,002,378652,634399,240-64,345-20,16137,68832,946206,9010
Tax0-150,270-279,0020-109,123-65,784-190,452-130,527-79,84800-9,045-8,566-57,9320
Profit After Tax-97,263560,1491,193,407-1,081,907465,209280,446811,926522,107319,392-64,345-20,16128,64324,380148,9690
Dividends Paid0843,117940,977000000000000
Retained Profit-97,263-282,968252,430-1,081,907465,209280,446811,926522,107319,392-64,345-20,16128,64324,380148,9690
Employee Costs4,618,6274,938,8024,167,3533,402,2933,150,9232,697,1551,959,3231,704,892283,621499,608372,358222,391185,008150,2100
Number Of Employees73756556544937345753320
EBITDA*-72,439786,8031,537,672-1,024,236624,543381,2511,031,328684,548430,573202,865242,785299,200290,765455,1410

* Earnings Before Interest, Tax, Depreciation and Amortisation

Mar 2024Mar 2023Mar 2022Mar 2021Mar 2020Mar 2019Mar 2018Mar 2017Mar 2016Mar 2015Mar 2014Mar 2013Mar 2012Mar 2011Mar 2010
Tangible Assets65,482115,389112,748103,927116,81377,96088,03045,54256,37174,59074,00665,09480,58039,1220
Intangible Assets12,22813,10211,9130000000240,000480,000720,000960,0000
Investments & Other000000000000000
Debtors (Due After 1 year)00472,157781,36900000000000
Total Fixed Assets77,710128,491596,818885,296116,81377,96088,03045,54256,37174,590314,006545,094800,580999,1220
Stock & work in progress000000000000000
Trade Debtors501,946606,233571,658358,409402,673363,070339,661313,870217,098380,324269,107158,148172,66083,6440
Group Debtors00001,605,8291,272,496939,164605,832272,500000000
Misc Debtors823,255735,115631,693527,409837,8531,002,969871,373615,007332,864000000
Cash907,834884,539900,131462,387392,88236,236641,789848,252297,515226,76000034,7650
misc current assets000000000000016,2730
total current assets2,233,0352,225,8872,103,4821,348,2053,239,2372,674,7712,791,9872,382,9611,119,977607,084269,107158,148172,660134,6820
total assets2,310,7452,354,3782,700,3002,233,5013,356,0502,752,7312,880,0172,428,5031,176,348681,674583,113703,242973,2401,133,8040
Bank overdraft00139,10380,17049,6500000000000
Bank loan000000039,3790000000
Trade Creditors 28,507104,25381,19041,844123,252170,59045,82565,649109,396551,706388,800349,927412,155102,5130
Group/Directors Accounts00026,65100000000000
other short term finances026,35426,15023,49500000000000
hp & lease commitments000000000000000
other current liabilities955,852787,427742,982606,836636,618508,2021,046,8921,356,720622,304000000
total current liabilities984,359918,034989,425778,996809,520678,7921,092,7171,461,748731,700551,706388,800349,927412,155102,5130
loans000000000000000
hp & lease commitments000000000000000
Accruals and Deferred Income000000000000082,3650
other liabilities00000000000138,841375,254794,8930
provisions19,42832,12323,68619,74629,86422,48216,2897,6707,67012,38212,38212,38212,3824,9640
total long term liabilities19,42832,12323,68619,74629,86422,48216,2897,6707,67012,38212,382151,223387,636882,2220
total liabilities1,003,787950,1571,013,111798,742839,384701,2741,109,0061,469,418739,370564,088401,182501,150799,791984,7350
net assets1,306,9581,404,2211,687,1891,434,7592,516,6662,051,4571,771,011959,085436,978117,586181,931202,092173,449149,0690
total shareholders funds1,306,9581,404,2211,687,1891,434,7592,516,6662,051,4571,771,011959,085436,978117,586181,931202,092173,449149,0690
Mar 2024Mar 2023Mar 2022Mar 2021Mar 2020Mar 2019Mar 2018Mar 2017Mar 2016Mar 2015Mar 2014Mar 2013Mar 2012Mar 2011Mar 2010
Operating Activities
Operating Profit-140,623717,6671,480,958-1,077,659575,632343,687999,932652,432397,929-64,912-20,16137,68832,859206,8140
Depreciation8,37462,82556,37753,42348,91137,56431,39632,11632,64427,77722,94621,51217,9068,3270
Amortisation59,8106,311337000000240,000240,000240,000240,000240,0000
Tax0-150,270-279,0020-109,123-65,784-190,452-130,527-79,84800-9,045-8,566-57,9320
Stock000000000000000
Debtors-16,147-334,1608,321-1,179,168207,820488,337615,489712,247442,138111,217110,959-14,51289,01683,6440
Creditors-75,74623,06339,346-81,408-47,338124,765-19,824-43,747-442,310162,90638,873-62,228309,642102,5130
Accruals and Deferred Income168,42544,445136,146-29,782128,416-538,690-309,828734,416622,304000-82,36582,3650
Deferred Taxes & Provisions-12,6958,4373,940-10,1187,3826,1938,6190-4,7120007,4184,9640
Cash flow from operations23,6921,046,6381,429,78133,624396,060-580,602-95,646532,44383,869254,554170,699242,439427,878503,4070
Investing Activities
capital expenditure-17,403-72,966-77,448-40,537-87,764-27,494-73,884-21,287-14,425-28,361-31,858-6,026-59,364-1,247,4490
Change in Investments000000000000000
cash flow from investments-17,403-72,966-77,448-40,537-87,764-27,494-73,884-21,287-14,425-28,361-31,858-6,026-59,364-1,247,4490
Financing Activities
Bank loans000000-39,37939,3790000000
Group/Directors Accounts00-26,65126,65100000000000
Other Short Term Loans -26,3542042,65523,49500000000000
Long term loans000000000000000
Hire Purchase and Lease Commitments000000000000000
other long term liabilities0000000000-138,841-236,413-419,639794,8930
share issue00000000000001000
interest43,360-7,248-8,549-4,248-1,2992,5432,4452011,3115670087870
cash flow from financing17,006-7,044-32,54545,898-1,2992,543-36,93439,5801,311567-138,841-236,413-419,552795,0800
cash and cash equivalents
cash23,295-15,592437,74469,505356,646-605,553-206,463550,73770,755226,76000-34,76534,7650
overdraft0-139,10358,93330,52049,6500000000000
change in cash23,295123,511378,81138,985306,996-605,553-206,463550,73770,755226,76000-34,76534,7650

pareto financial planning limited Credit Report and Business Information

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 Competitor Analysis

competitor_analysis_table_img

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 Shareholders

stechant limited 100%

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).

officercountryagestartendrole
Mr John StevensonUnited Kingdom55 years May 2008- Director
Mr Stuart CarswellUnited Kingdom50 years Oct 2017- Director
Mr Paul StonesUnited Kingdom53 years Oct 2017- Director
Mr Darren Hardy-DearnessUnited Kingdom50 years Oct 2018- Director
Miss Nicola AsprayUnited Kingdom51 years Feb 2021- Director
Mr Christopher RomainUnited Kingdom44 years Mar 2021- Director
Mr Philip YoungUnited Kingdom50 years Sep 2022- Director

P&L

March 2024

turnover

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 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

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.

charges

pareto financial planning limited Companies House Filings - See Documents

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