Compass Financial (uk) Limited

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compass financial (uk) limited Company Information

Company Number

06894163

Next Accounts

Nov 2025

Directors

Adam Stubbings

Thomas Perry

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Shareholders

noel mckee

thomas perry

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Group Structure

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Industry

Other activities auxiliary to financial services, except insurance and pension funding

Registered Address

building one manchester green, manchester, M22 5LW

Website

www.compassfin.co.uk

compass financial (uk) limited Estimated Valuation

£3.2m

Pomanda estimates the enterprise value of COMPASS FINANCIAL (UK) LIMITED at £3.2m based on a Turnover of £3.7m and 0.88x industry multiple (adjusted for size and gross margin).

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Compass Financial (uk) Limited is a live company located in manchester, M22 5LW with a Companies House number of 06894163. It operates in the activities auxiliary to financial intermediation n.e.c. sector, SIC Code 66190. Founded in May 2009, it's largest shareholder is noel mckee with a 91.6% stake. Compass Financial (uk) Limited is a established, small sized company, Pomanda has estimated its turnover at £3.7m with healthy growth in recent years.

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Pomanda's financial health check has awarded Compass Financial (Uk) Limited a 1.5 rating. We use a traffic light system to show it exceeds the industry average on 2 measures and has 5 areas for improvement. Company Health Check FAQs

Health Rating1.5out of 5

2 Strong

3 Regular

5 Weak

Size

annual sales of £3.7m, make it in line with the average company (£3.7m)

Growth

3 year (CAGR) sales growth of 6%, show it is growing at a slower rate (10%)

EXPORT

Compass Financial (Uk) Limited's latest turnover from February 2024 is estimated at £3.7 million and the company has net assets of £901.5 thousand. According to their latest financial statements, Compass Financial (Uk) Limited has 25 employees and maintains cash reserves of £74.5 thousand as reported in the balance sheet.

Data source: Companies House, Pomanda Estimates

	Feb 2024	Feb 2023	Feb 2022	Feb 2021	Feb 2020	Feb 2019	Feb 2018	Feb 2017	Jun 2016	Jun 2015	Jun 2014	Jun 2013	Jun 2012	Mar 2011	Mar 2010
Turnover	3,667,492	4,428,562	4,058,177	3,038,258	1,889,058	1,759,090	1,572,368	534,034	1,698,747	1,883,987	1,032,018	740,948	823,590	900,891	512,168
Other Income Or Grants
Cost Of Sales	684,671	1,282,214	732,843	607,843	359,155	294,499	196,548	93,983	380,709	534,120	359,949	255,405	257,973	202,099	146,269
Gross Profit	2,982,820	3,146,348	3,325,334	2,430,415	1,529,903	1,464,591	1,375,820	440,051	1,318,038	1,349,867	672,069	485,544	565,617	698,792	365,899
Admin Expenses	2,847,516	3,002,032	3,270,579	2,371,790	1,501,781	1,357,555	1,474,649	435,759	1,313,789	1,351,538	668,101	479,922	579,972	698,620	365,753
Operating Profit	135,304	144,316	54,755	58,625	28,122	107,036	-98,829	4,292	4,249	-1,671	3,968	5,622	-14,355	172	146
Interest Payable	313,249	139,701	44,074	31,089		3,425	6,455	3,035
Interest Receivable	4,737	13,417	4,709	794	1,988	3,401	1,625	29	54	49	43	27	27	6	6
Pre-Tax Profit	-173,208	18,032	15,390	28,330	30,110	107,011	-103,659	1,286	4,304	-1,622	4,011	5,649	-14,328	178	151
Tax		-3,426	-2,924	-5,383	-5,721	-20,332		-257	-861		-842	-1,299		-50	-42
Profit After Tax	-173,208	14,606	12,466	22,947	24,389	86,679	-103,659	1,029	3,443	-1,622	3,169	4,350	-14,328	128	109
Dividends Paid
Retained Profit	-173,208	14,606	12,466	22,947	24,389	86,679	-103,659	1,029	3,443	-1,622	3,169	4,350	-14,328	128	109
Employee Costs	1,811,155	2,208,805	1,868,850	1,406,626	1,226,710	874,842	564,207	333,403	711,094	675,402	383,757	310,896	296,708	364,218	190,750
Number Of Employees	25	33	29	24	20	15	10	6	12	12	7	6	6	7	4
EBITDA*	485,279	460,428	305,577	170,459	85,361	158,501	-73,973	4,292	7,857	1,829	7,868	9,680	-10,776	2,893	1,122

* Earnings Before Interest, Tax, Depreciation and Amortisation

	Feb 2024	Feb 2023	Feb 2022	Feb 2021	Feb 2020	Feb 2019	Feb 2018	Feb 2017	Jun 2016	Jun 2015	Jun 2014	Jun 2013	Jun 2012	Mar 2011	Mar 2010
Tangible Assets	79,122	117,438	58,520	50,943	39,420	13,784	15,050	13,287	15,632	19,240	16,900	17,585	15,511	15,412	6,834
Intangible Assets	5,957,064	5,289,654	5,080,495	3,756,484	2,182,734	418,343	465,300
Investments & Other		5,283	6,751	6,751	3,900	1,489,136
Debtors (Due After 1 year)
Total Fixed Assets	6,036,186	5,412,375	5,145,766	3,814,178	2,226,054	1,921,263	480,350	13,287	15,632	19,240	16,900	17,585	15,511	15,412	6,834
Stock & work in progress				115,775	115,775	105,081	104,831
Trade Debtors			405,078	320,596	127,454	200,117	242,608	42,500	200,574	179,371	98,098	71,853	78,139	95,306	55,013
Group Debtors	39,919	115,775
Misc Debtors	387,996	332,606						209,046
Cash	74,471	105,992	564,876	1,318,715	269,134	260,928	645,904	3,961	19,109	2,612	17,171	112	10,792		2,308
misc current assets													3,000
total current assets	502,386	554,373	969,954	1,755,086	512,363	566,126	993,343	255,507	219,683	181,983	115,269	71,965	91,931	95,306	57,321
total assets	6,538,572	5,966,748	6,115,720	5,569,264	2,738,417	2,487,389	1,473,693	268,794	235,315	201,223	132,169	89,550	107,442	110,718	64,155
Bank overdraft	423,500	667,716					101,492	97,115
Bank loan
Trade Creditors	162,270	64,134	2,219,330	769,108	446,917	338,417	7,496	7,497	215,784	185,135	115,927	76,674	98,727	72,399	28,236
Group/Directors Accounts
other short term finances
hp & lease commitments
other current liabilities	767,647	824,317					105,366	143,922
total current liabilities	1,353,417	1,556,167	2,219,330	769,108	446,917	338,417	214,354	248,534	215,784	185,135	115,927	76,674	98,727	72,399	28,236
loans	2,688,128	1,789,523	336,790	1,019,327
hp & lease commitments
Accruals and Deferred Income	237,646	178,338
other liabilities	1,309,541	1,347,855	2,491,078	2,726,811	1,264,285	1,146,080	343,126								34,400
provisions	48,362	20,276	8,635	6,650	2,794	2,860	2,860	3,548	3,848	3,848	3,380	3,517	3,706	37,482	1,260
total long term liabilities	4,283,677	3,335,992	2,836,503	3,752,788	1,267,079	1,148,940	345,986	3,548	3,848	3,848	3,380	3,517	3,706	37,482	35,660
total liabilities	5,637,094	4,892,159	5,055,833	4,521,896	1,713,996	1,487,357	560,340	252,082	219,632	188,983	119,307	80,191	102,433	109,881	63,896
net assets	901,478	1,074,589	1,059,887	1,047,368	1,024,421	1,000,032	913,353	16,712	15,683	12,240	12,862	9,359	5,009	837	259
total shareholders funds	901,478	1,074,589	1,059,887	1,047,368	1,024,421	1,000,032	913,353	16,712	15,683	12,240	12,862	9,359	5,009	837	259

	Feb 2024	Feb 2023	Feb 2022	Feb 2021	Feb 2020	Feb 2019	Feb 2018	Feb 2017	Jun 2016	Jun 2015	Jun 2014	Jun 2013	Jun 2012	Mar 2011	Mar 2010
Operating Activities
Operating Profit	135,304	144,316	54,755	58,625	28,122	107,036	-98,829	4,292	4,249	-1,671	3,968	5,622	-14,355	172	146
Depreciation	47,016	27,823	9,838	8,424	9,458	2,516	2,656		3,608	3,500	3,900	4,058	3,579	2,721	976
Amortisation	302,959	288,289	240,984	103,410	47,781	48,949	22,200
Tax		-3,426	-2,924	-5,383	-5,721	-20,332		-257	-861		-842	-1,299		-50	-42
Stock			-115,775		10,694	250	104,831
Debtors	-20,466	43,303	84,482	193,142	-72,663	-42,491	-8,938	50,972	21,203	81,273	26,245	-6,286	-17,167	40,293	55,013
Creditors	98,136	-2,155,196	1,450,222	322,191	108,500	330,921	-1	-208,287	30,649	69,208	39,253	-22,053	26,328	44,163	28,236
Accruals and Deferred Income	2,638	1,002,655				-105,366	-38,556	143,922
Deferred Taxes & Provisions	28,086	11,641	1,985	3,856	-66		-688	-300		468	-137	-189	-33,776	36,222	1,260
Cash flow from operations	634,605	-727,201	1,786,153	297,981	250,043	405,965	-209,111	-111,602	16,442	-9,768	19,897	-7,575	-1,057	42,935	-24,437
Investing Activities
capital expenditure	-979,069	-584,189	-1,582,410	-1,697,107	-1,847,266	-3,242	-491,919	2,345		-5,840	-3,215	-6,132	-3,678	-11,299	-7,810
Change in Investments	-5,283	-1,468		2,851	-1,485,236	1,489,136
cash flow from investments	-973,786	-582,721	-1,582,410	-1,699,958	-362,030	-1,492,378	-491,919	2,345		-5,840	-3,215	-6,132	-3,678	-11,299	-7,810
Financing Activities
Bank loans
Group/Directors Accounts
Other Short Term Loans
Long term loans	898,605	1,452,733	-682,537	1,019,327
Hire Purchase and Lease Commitments
other long term liabilities	-38,314	-1,143,223	-235,733	1,462,526	118,205	802,954	343,126							-34,400	34,400
share issue	97	96	53				1,000,300			1,000	334		18,500	450	150
interest	-308,512	-126,284	-39,365	-30,295	1,988	-24	-4,830	-3,006	54	49	43	27	27	6	6
cash flow from financing	551,876	183,322	-957,582	2,451,558	120,193	802,930	1,338,596	-3,006	54	1,049	377	27	18,527	-33,944	34,556
cash and cash equivalents
cash	-31,521	-458,884	-753,839	1,049,581	8,206	-384,976	641,943	-15,148	16,497	-14,559	17,059	-10,680	10,792	-2,308	2,308
overdraft	-244,216	667,716				-101,492	4,377	97,115
change in cash	212,695	-1,126,600	-753,839	1,049,581	8,206	-283,484	637,566	-112,263	16,497	-14,559	17,059	-10,680	10,792	-2,308	2,308

Very Low Risk70 - 100

Low Risk50 - 70

Moderate Risk30 - 50

High Risk20 - 30

Very High Risk0 - 20

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COMPASS FINANCIAL (UK) LIMITED group structure

Compass Financial (Uk) Limited has 2 subsidiary companies.

Ultimate parent company

COMPASS FINANCIAL (UK) LIMITED

06894163

2 subsidiaries

AQUA FINANCIAL SERVICES LIMITED

04899261

POWELL FINANCIAL MANAGEMENT LIMITED

04885488

COMPASS FINANCIAL (UK) LIMITED Shareholders

noel mckee	91.63%
thomas perry	5.22%
rebecca green	3.15%

Compass Financial (Uk) Limited currently has 3 directors. The longest serving directors include Mr Adam Stubbings (May 2009) and Mr Thomas Perry (Jun 2020).

officer	country	age	start	end	role
Mr Adam Stubbings	Wales	58 years	May 2009	-	Director
Mr Thomas Perry	England	42 years	Jun 2020	-	Director
Mrs Rebecca Green	England	42 years	Mar 2021	-	Director

P&L

February 2024

turnover

3.7m

-17%

operating profit

135.3k

gross margin

81.4%

+14.48%

turnover

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

Balance Sheet

February 2024

net assets

901.5k

-0.16%

total assets

6.5m

+0.1%

cash

74.5k

-0.3%

net assets

Total assets minus all liabilities

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company number

06894163

Type

Private limited with Share Capital

industry

66190 - Other activities auxiliary to financial services, except insurance and pension funding

incorporation date

May 2009

ultimate parent company

None

previous names

N/A

address

building one manchester green, manchester, M22 5LW

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 4 charges/mortgages relating to compass financial (uk) limited. Currently there are 2 open charges and 2 have been satisfied in the past.

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compass financial (uk) limited Company Information

compass financial (uk) limited Estimated Valuation

compass financial (uk) limited Estimated Valuation

compass financial (uk) limited Estimated Valuation

Compass Financial (uk) Limited Overview

Compass Financial (uk) Limited Health Check

COMPASS FINANCIAL (UK) LIMITED financials

compass financial (uk) limited Credit Report and Business Information

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compass financial (uk) limited Ownership

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compass financial (uk) limited company details

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compass financial (uk) limited Companies House Filings - See Documents