sterling rock limited
sterling rock limited Company Information
Company Number
06791488
Next Accounts
Sep 2025
Industry
Non-life insurance
Shareholders
jigsaw insurance services limited
Group Structure
View All
Contact
Registered Address
4th floor clarendon house, victoria avenue, harrogate, north yorkshire, HG1 1JD
sterling rock limited Estimated Valuation
Pomanda estimates the enterprise value of STERLING ROCK LIMITED at £1.5m based on a Turnover of £3.9m and 0.39x industry multiple (adjusted for size and gross margin).
sterling rock limited Estimated Valuation
Pomanda estimates the enterprise value of STERLING ROCK LIMITED at £1.6m based on an EBITDA of £300.4k and a 5.25x industry multiple (adjusted for size and gross margin).
sterling rock limited Estimated Valuation
Pomanda estimates the enterprise value of STERLING ROCK LIMITED at £2.8m based on Net Assets of £1.7m and 1.7x industry multiple (adjusted for liquidity).
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Sterling Rock Limited Overview
Sterling Rock Limited is a live company located in harrogate, HG1 1JD with a Companies House number of 06791488. It operates in the non-life insurance sector, SIC Code 65120. Founded in January 2009, it's largest shareholder is jigsaw insurance services limited with a 100% stake. Sterling Rock Limited is a established, small sized company, Pomanda has estimated its turnover at £3.9m with healthy growth in recent years.
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Sterling Rock Limited Health Check
Pomanda's financial health check has awarded Sterling Rock 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
1 Regular
3 Weak
Size
annual sales of £3.9m, make it larger than the average company (£2m)
£3.9m - Sterling Rock Limited
£2m - Industry AVG
Growth
3 year (CAGR) sales growth of 14%, show it is growing at a faster rate (8.8%)
14% - Sterling Rock Limited
8.8% - Industry AVG
Production
with a gross margin of 18.5%, this company has a higher cost of product (99.8%)
18.5% - Sterling Rock Limited
99.8% - Industry AVG
Profitability
an operating margin of 7.7% make it less profitable than the average company (18.6%)
7.7% - Sterling Rock Limited
18.6% - Industry AVG
Employees
with 12 employees, this is below the industry average (33)
- Sterling Rock Limited
33 - Industry AVG
Pay Structure
on an average salary of £64.6k, the company has an equivalent pay structure (£64.6k)
- Sterling Rock Limited
£64.6k - Industry AVG
Efficiency
resulting in sales per employee of £327.2k, this is more efficient (£163.9k)
- Sterling Rock Limited
£163.9k - Industry AVG
Debtor Days
There is insufficient data available for this Key Performance Indicator!
- - Sterling Rock Limited
- - Industry AVG
Creditor Days
There is insufficient data available for this Key Performance Indicator!
- - Sterling Rock Limited
- - Industry AVG
Stock Days
There is insufficient data available for this Key Performance Indicator!
- - Sterling Rock Limited
- - Industry AVG
Cash Balance
has cash to cover current liabilities for 48 weeks, this is more cash available to meet short term requirements (17 weeks)
48 weeks - Sterling Rock Limited
17 weeks - Industry AVG
Debt Level
it has a ratio of liabilities to total assets of 44.6%, this is a lower level of debt than the average (82.5%)
44.6% - Sterling Rock Limited
82.5% - Industry AVG
STERLING ROCK LIMITED financials
Sterling Rock Limited's latest turnover from December 2023 is £3.9 million and the company has net assets of £1.7 million. According to their latest financial statements, we estimate that Sterling Rock Limited has 12 employees and maintains cash reserves of £1.3 million as reported in the balance sheet.
Data source: Companies House, Pomanda Estimates
| Dec 2023 | Dec 2022 | 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 | 3,926,187 | 2,639,685 | 3,333,475 | 2,589,755 | 2,619,299 | 2,656,869 | 2,769,890 | 1,830,446 | 1,817,546 | 2,570,291 | 1,414,323 | 1,280,943 | 1,305,947 | 959,414 | 946,977 |
| Other Income Or Grants | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 |
| Cost Of Sales | 3,201,152 | 1,887,966 | 3,503,235 | 1,796,249 | 2,179,669 | 2,538,334 | 2,705,935 | 1,625,274 | 1,545,999 | 1,816,283 | 1,197,884 | 1,211,671 | 1,172,402 | 1,131,345 | 1,143,680 |
| Gross Profit | 725,035 | 751,719 | -169,760 | 793,506 | 439,630 | 118,535 | 63,955 | 205,172 | 271,547 | 754,008 | 216,439 | 69,272 | 133,545 | -171,931 | -196,703 |
| Admin Expenses | 424,600 | 131,266 | 123,678 | 128,510 | 137,793 | 133,581 | 133,956 | 95,565 | 69,380 | 79,245 | 38,686 | 27,799 | 24,916 | 28,553 | |
| Operating Profit | 300,435 | 620,453 | -293,438 | 664,996 | 301,837 | -15,046 | -70,001 | 109,607 | 202,167 | 674,763 | 30,586 | 105,746 | -196,847 | -225,256 | |
| Interest Payable | 0 | 0 | 2,671 | 627 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 25 | 0 | 526 | 125 |
| Interest Receivable | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 |
| Pre-Tax Profit | 300,435 | 620,453 | -296,109 | 664,369 | 301,837 | -15,046 | -70,001 | 109,607 | 202,167 | 674,763 | 176,510 | 30,561 | 105,746 | -197,373 | -225,277 |
| Tax | 47,500 | -117,886 | 627 | -126,230 | -57,349 | 0 | 6,333 | 0 | 0 | -6,295 | -12,000 | -6,112 | -6,809 | 58,543 | 0 |
| Profit After Tax | 347,935 | 502,567 | -295,482 | 538,139 | 244,488 | -15,046 | -63,668 | 109,607 | 202,167 | 668,468 | 164,510 | 24,449 | 98,937 | -138,830 | -225,277 |
| Dividends Paid | 0 | 0 | 0 | 200,000 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 |
| Retained Profit | 347,935 | 502,567 | -295,482 | 338,139 | 244,488 | -15,046 | -63,668 | 109,607 | 202,167 | 668,468 | 164,510 | 24,449 | 98,937 | -138,830 | -225,277 |
| Employee Costs | 0 | 0 | 0 | 0 | |||||||||||
| Number Of Employees | 2 | 2 | 2 | 2 | |||||||||||
| EBITDA* | 300,435 | 620,453 | -293,438 | 664,996 | 301,837 | -15,046 | -70,001 | 109,607 | 202,167 | 674,763 | 30,586 | 105,746 | -196,847 | -225,256 |
* Earnings Before Interest, Tax, Depreciation and Amortisation
| Dec 2023 | Dec 2022 | 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 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 |
| 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 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 |
| Total Fixed Assets | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 |
| Stock & work in progress | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 |
| Trade Debtors | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 |
| Group Debtors | 1,717,545 | 895,332 | 2,236,013 | 1,109,769 | 1,284,675 | 1,015,605 | 1,230,458 | 1,154,822 | 967,014 | 536,331 | 76,197 | 0 | 73,578 | 112,840 | 0 |
| Misc Debtors | 47,088 | 21,313 | 305 | 310 | 85 | 0 | 0 | 0 | 0 | 0 | 0 | 4,525 | 12,637 | 14,304 | 39,403 |
| Cash | 1,252,178 | 1,384,991 | 571,494 | 958,968 | 230,175 | 286,840 | 87,313 | 26,986 | 95,436 | 426,567 | 113,574 | 64,485 | 46,286 | 24,367 | 1,775 |
| misc current assets | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 |
| total current assets | 3,016,811 | 2,301,636 | 2,807,812 | 2,069,047 | 1,514,935 | 1,302,445 | 1,317,771 | 1,181,808 | 1,062,450 | 962,898 | 189,771 | 69,010 | 132,501 | 151,511 | 41,178 |
| total assets | 3,016,811 | 2,301,636 | 2,807,812 | 2,069,047 | 1,514,935 | 1,302,445 | 1,317,771 | 1,181,808 | 1,062,450 | 962,898 | 189,771 | 69,010 | 132,501 | 151,511 | 41,178 |
| 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 | 19 | 1,830 | 0 | 500 | 520 | 0 | 1,080 | 2,670 | 0 | 0 | 0 | 91 | 90 | 9,494 |
| Group/Directors Accounts | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 66,559 | 193,073 | 426,765 | 149,900 |
| 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 | 1,343,846 | 976,587 | 1,983,519 | 951,102 | 734,629 | 766,607 | 767,407 | 566,696 | 555,355 | 660,640 | 555,981 | 533,171 | 494,506 | 378,762 | 107,060 |
| total current liabilities | 1,343,846 | 976,606 | 1,985,349 | 951,102 | 735,129 | 767,127 | 767,407 | 567,776 | 558,025 | 660,640 | 555,981 | 599,730 | 687,670 | 805,617 | 266,454 |
| 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 | 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 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 |
| total liabilities | 1,343,846 | 976,606 | 1,985,349 | 951,102 | 735,129 | 767,127 | 767,407 | 567,776 | 558,025 | 660,640 | 555,981 | 599,730 | 687,670 | 805,617 | 266,454 |
| net assets | 1,672,965 | 1,325,030 | 822,463 | 1,117,945 | 779,806 | 535,318 | 550,364 | 614,032 | 504,425 | 302,258 | -366,210 | -530,720 | -555,169 | -654,106 | -225,276 |
| total shareholders funds | 1,672,965 | 1,325,030 | 822,463 | 1,117,945 | 779,806 | 535,318 | 550,364 | 614,032 | 504,425 | 302,258 | -366,210 | -530,720 | -555,169 | -654,106 | -225,276 |
| Dec 2023 | Dec 2022 | 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 | 300,435 | 620,453 | -293,438 | 664,996 | 301,837 | -15,046 | -70,001 | 109,607 | 202,167 | 674,763 | 30,586 | 105,746 | -196,847 | -225,256 | |
| Depreciation | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 |
| Amortisation | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 |
| Tax | 47,500 | -117,886 | 627 | -126,230 | -57,349 | 0 | 6,333 | 0 | 0 | -6,295 | -12,000 | -6,112 | -6,809 | 58,543 | 0 |
| Stock | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 |
| Debtors | 847,988 | -193,434 | 1,126,239 | -174,681 | 269,155 | -214,853 | 75,636 | 187,808 | 430,683 | 460,134 | 71,672 | -81,690 | -40,929 | 87,741 | 39,403 |
| Creditors | -19 | 19 | 1,830 | -500 | -20 | 520 | -1,080 | -1,590 | 2,670 | 0 | 0 | -91 | 1 | -9,404 | 9,494 |
| Accruals and Deferred Income | 367,259 | 25,485 | 1,032,417 | 216,473 | -31,978 | -800 | 200,711 | 11,341 | -105,285 | 104,659 | 22,810 | 38,665 | 115,744 | 271,702 | 107,060 |
| Deferred Taxes & Provisions | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 |
| Cash flow from operations | -132,813 | 721,505 | -384,803 | 929,420 | -56,665 | 199,527 | 60,327 | -68,450 | -331,131 | 312,993 | 144,738 | 255,611 | 36,253 | -148,105 | |
| Investing Activities | |||||||||||||||
| capital expenditure | 0 | 0 | 0 | ||||||||||||
| Change in Investments | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 |
| cash flow from investments | 0 | 0 | 0 | ||||||||||||
| 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 | -66,559 | -126,514 | -233,692 | 276,865 | 149,900 |
| Other Short Term Loans | 0 | 0 | 0 | 0 | 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 | 0 | 0 | 0 | 0 | 0 |
| share issue | |||||||||||||||
| interest | 0 | 0 | -2,671 | -627 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | -25 | 0 | -526 | -125 |
| cash flow from financing | 0 | -295,482 | -2,671 | -627 | 0 | 0 | 0 | 0 | 0 | 0 | -66,559 | -126,539 | -233,692 | -13,661 | 149,776 |
| cash and cash equivalents | |||||||||||||||
| cash | -132,813 | 426,023 | -387,474 | 728,793 | -56,665 | 199,527 | 60,327 | -68,450 | -331,131 | 312,993 | 49,089 | 18,199 | 21,919 | 22,592 | 1,775 |
| overdraft | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 |
| change in cash | -132,813 | 426,023 | -387,474 | 728,793 | -56,665 | 199,527 | 60,327 | -68,450 | -331,131 | 312,993 | 49,089 | 18,199 | 21,919 | 22,592 | 1,775 |
sterling rock limited Credit Report and Business Information
Sterling Rock Limited Competitor Analysis
Perform a competitor analysis for sterling rock limited by selecting its closest rivals, whether from the FINANCIAL AND INSURANCE ACTIVITIES sector, other small companies, companies in HG1 area or any other competitors across 12 key performance metrics.
sterling rock limited Ownership
STERLING ROCK LIMITED group structure
Sterling Rock Limited has no subsidiary companies.
Ultimate parent company
PAISLEY BIDCO LTD
#0149136
2 parents
STERLING ROCK LIMITED
06791488
sterling rock limited directors
Sterling Rock Limited currently has 2 directors. The longest serving directors include Mr Paul Gerada (Jun 2024) and Mr Charles Burgess (Jun 2024).
| officer | country | age | start | end | role |
|---|---|---|---|---|---|
| Mr Paul Gerada | England | 50 years | Jun 2024 | - | Director |
| Mr Charles Burgess | England | 54 years | Jun 2024 | - | Director |
P&L
December 2023turnover
3.9m
+49%
operating profit
300.4k
-52%
gross margin
18.5%
-35.15%
turnover
Turnover, or revenue, is the amount of sales generated by a company within the financial year.
Balance Sheet
December 2023net assets
1.7m
+0.26%
total assets
3m
+0.31%
cash
1.3m
-0.1%
net assets
Total assets minus all liabilities
sterling rock limited company details
company number
06791488
Type
Private limited with Share Capital
industry
65120 - Non-life insurance
incorporation date
January 2009
age
15
incorporated
UK
ultimate parent company
accounts
Audit Exemption Subsidiary
last accounts submitted
December 2023
previous names
N/A
accountant
-
auditor
-
address
4th floor clarendon house, victoria avenue, harrogate, north yorkshire, HG1 1JD
Bank
-
Legal Advisor
-
sterling rock 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 1 charges/mortgages relating to sterling rock limited. Currently there are 0 open charges and 1 have been satisfied in the past.
sterling rock limited Capital Raised & Share Issues BETA
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sterling rock limited Companies House Filings - See Documents
| date | description | view/download |
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