later life matters ltd
later life matters ltd Company Information
Company Number
07133907
Next Accounts
Dec 2025
Shareholders
joanne brown
glenn williams
Group Structure
View All
Industry
Activities of mortgage finance companies
+3Registered Address
11-13 church street, hertford, SG14 1EJ
Website
www.laterlifematters.co.uklater life matters ltd Estimated Valuation
Pomanda estimates the enterprise value of LATER LIFE MATTERS LTD at £116.6k based on a Turnover of £158.6k and 0.73x industry multiple (adjusted for size and gross margin).
later life matters ltd Estimated Valuation
Pomanda estimates the enterprise value of LATER LIFE MATTERS LTD at £0 based on an EBITDA of £-39.5k and a 3.21x industry multiple (adjusted for size and gross margin).
later life matters ltd Estimated Valuation
Pomanda estimates the enterprise value of LATER LIFE MATTERS LTD at £28.6k based on Net Assets of £12.9k and 2.21x industry multiple (adjusted for liquidity).
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Later Life Matters Ltd Overview
Later Life Matters Ltd is a live company located in hertford, SG14 1EJ with a Companies House number of 07133907. It operates in the activities of mortgage finance companies sector, SIC Code 64922. Founded in January 2010, it's largest shareholder is joanne brown with a 50% stake. Later Life Matters Ltd is a established, micro sized company, Pomanda has estimated its turnover at £158.6k with healthy growth in recent years.
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Later Life Matters Ltd Health Check
Pomanda's financial health check has awarded Later Life Matters Ltd a 1.5 rating. We use a traffic light system to show it exceeds the industry average on 1 measures and has 8 areas for improvement. Company Health Check FAQs
1 Strong
1 Regular
8 Weak
Size
annual sales of £158.6k, make it smaller than the average company (£4.4m)
- Later Life Matters Ltd
£4.4m - Industry AVG
Growth
3 year (CAGR) sales growth of 4%, show it is growing at a slower rate (8.3%)
- Later Life Matters Ltd
8.3% - Industry AVG
Production
with a gross margin of 26.9%, this company has a higher cost of product (65.7%)
- Later Life Matters Ltd
65.7% - Industry AVG
Profitability
an operating margin of -24.9% make it less profitable than the average company (12.3%)
- Later Life Matters Ltd
12.3% - Industry AVG
Employees
with 3 employees, this is below the industry average (11)
3 - Later Life Matters Ltd
11 - Industry AVG
Pay Structure
on an average salary of £65.3k, the company has an equivalent pay structure (£65.3k)
- Later Life Matters Ltd
£65.3k - Industry AVG
Efficiency
resulting in sales per employee of £52.9k, this is less efficient (£188.9k)
- Later Life Matters Ltd
£188.9k - Industry AVG
Debtor Days
it gets paid by customers after 50 days, this is later than average (38 days)
- Later Life Matters Ltd
38 days - Industry AVG
Creditor Days
its suppliers are paid after 34 days, this is quicker than average (61 days)
- Later Life Matters Ltd
61 days - Industry AVG
Stock Days
There is insufficient data available for this Key Performance Indicator!
- Later Life Matters Ltd
- - Industry AVG
Cash Balance
There is insufficient data available for this Key Performance Indicator!
- - Later Life Matters Ltd
- - Industry AVG
Debt Level
it has a ratio of liabilities to total assets of 45.7%, this is a lower level of debt than the average (71.7%)
45.7% - Later Life Matters Ltd
71.7% - Industry AVG
LATER LIFE MATTERS LTD financials
Later Life Matters Ltd's latest turnover from March 2024 is estimated at £158.6 thousand and the company has net assets of £12.9 thousand. According to their latest financial statements, Later Life Matters Ltd has 3 employees and maintains cash reserves of 0 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 | Jan 2015 | Jan 2014 | Jan 2013 | Jan 2012 | Jan 2011 | |
|---|---|---|---|---|---|---|---|---|---|---|---|---|---|---|
| Turnover | ||||||||||||||
| Other Income Or Grants | ||||||||||||||
| Cost Of Sales | ||||||||||||||
| Gross Profit | ||||||||||||||
| Admin Expenses | ||||||||||||||
| Operating Profit | ||||||||||||||
| Interest Payable | ||||||||||||||
| Interest Receivable | ||||||||||||||
| Pre-Tax Profit | ||||||||||||||
| Tax | ||||||||||||||
| Profit After Tax | ||||||||||||||
| Dividends Paid | ||||||||||||||
| Retained Profit | ||||||||||||||
| Employee Costs | ||||||||||||||
| Number Of Employees | 3 | 3 | 3 | 3 | 3 | 3 | 3 | 3 | ||||||
| EBITDA* |
* 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 | Jan 2015 | Jan 2014 | Jan 2013 | Jan 2012 | Jan 2011 | |
|---|---|---|---|---|---|---|---|---|---|---|---|---|---|---|
| Tangible Assets | 1,751 | 2,189 | 2,736 | 3,420 | 2,458 | 3,072 | 2,760 | 3,450 | 4,021 | 4,260 | 3,267 | 2,137 | 1,911 | |
| Intangible Assets | ||||||||||||||
| Investments & Other | ||||||||||||||
| Debtors (Due After 1 year) | ||||||||||||||
| Total Fixed Assets | 1,751 | 2,189 | 2,736 | 3,420 | 2,458 | 3,072 | 2,760 | 3,450 | 4,021 | 4,260 | 3,267 | 2,137 | 1,911 | |
| Stock & work in progress | ||||||||||||||
| Trade Debtors | 22,043 | 65,730 | 46,793 | 59,282 | 20,970 | 67,895 | 71,981 | 4,088 | 4,088 | 4,729 | 13,101 | 7,172 | ||
| Group Debtors | ||||||||||||||
| Misc Debtors | ||||||||||||||
| Cash | 48,068 | 42,842 | 48,958 | 21,081 | 3,735 | 4,405 | ||||||||
| misc current assets | ||||||||||||||
| total current assets | 22,043 | 65,730 | 46,793 | 59,282 | 20,970 | 67,895 | 71,981 | 52,156 | 46,930 | 53,687 | 34,182 | 10,907 | 4,405 | |
| total assets | 23,794 | 67,919 | 49,529 | 62,702 | 23,428 | 70,967 | 74,741 | 55,606 | 50,951 | 57,947 | 37,449 | 13,044 | 6,316 | |
| Bank overdraft | ||||||||||||||
| Bank loan | ||||||||||||||
| Trade Creditors | 10,864 | 15,455 | 4,262 | 9,517 | 2,982 | 12,576 | 56,681 | 55,543 | 50,364 | 57,268 | 35,694 | 12,816 | 5,928 | |
| Group/Directors Accounts | ||||||||||||||
| other short term finances | ||||||||||||||
| hp & lease commitments | ||||||||||||||
| other current liabilities | ||||||||||||||
| total current liabilities | 10,864 | 15,455 | 4,262 | 9,517 | 2,982 | 12,576 | 56,681 | 55,543 | 50,364 | 57,268 | 35,694 | 12,816 | 5,928 | |
| loans | ||||||||||||||
| hp & lease commitments | ||||||||||||||
| Accruals and Deferred Income | ||||||||||||||
| other liabilities | 20,000 | |||||||||||||
| provisions | ||||||||||||||
| total long term liabilities | 20,000 | |||||||||||||
| total liabilities | 10,864 | 15,455 | 4,262 | 29,517 | 2,982 | 12,576 | 56,681 | 55,543 | 50,364 | 57,268 | 35,694 | 12,816 | 5,928 | |
| net assets | 12,930 | 52,464 | 45,267 | 33,185 | 20,446 | 58,391 | 18,060 | 63 | 587 | 679 | 1,755 | 228 | 388 | |
| total shareholders funds | 12,930 | 52,464 | 45,267 | 33,185 | 20,446 | 58,391 | 18,060 | 63 | 587 | 679 | 1,755 | 228 | 388 |
| Mar 2024 | Mar 2023 | Mar 2022 | Mar 2021 | Mar 2020 | Mar 2019 | Mar 2018 | Mar 2017 | Mar 2016 | Jan 2015 | Jan 2014 | Jan 2013 | Jan 2012 | Jan 2011 | |
|---|---|---|---|---|---|---|---|---|---|---|---|---|---|---|
| Operating Activities | ||||||||||||||
| Operating Profit | ||||||||||||||
| Depreciation | 863 | 852 | 1,065 | 1,070 | 534 | |||||||||
| Amortisation | 477 | |||||||||||||
| Tax | ||||||||||||||
| Stock | ||||||||||||||
| Debtors | -43,687 | 18,937 | -12,489 | 38,312 | -46,925 | -4,086 | 67,893 | -641 | -8,372 | 5,929 | 7,172 | |||
| Creditors | -4,591 | 11,193 | -5,255 | 6,535 | -9,594 | -44,105 | 1,138 | 5,179 | -6,904 | 21,574 | 22,878 | 6,888 | 5,928 | |
| Accruals and Deferred Income | ||||||||||||||
| Deferred Taxes & Provisions | ||||||||||||||
| Cash flow from operations | ||||||||||||||
| Investing Activities | ||||||||||||||
| capital expenditure | ||||||||||||||
| Change in Investments | ||||||||||||||
| cash flow from investments | ||||||||||||||
| Financing Activities | ||||||||||||||
| Bank loans | ||||||||||||||
| Group/Directors Accounts | ||||||||||||||
| Other Short Term Loans | ||||||||||||||
| Long term loans | ||||||||||||||
| Hire Purchase and Lease Commitments | ||||||||||||||
| other long term liabilities | -20,000 | 20,000 | ||||||||||||
| share issue | ||||||||||||||
| interest | ||||||||||||||
| cash flow from financing | ||||||||||||||
| cash and cash equivalents | ||||||||||||||
| cash | -48,068 | 5,226 | -6,116 | 27,877 | 17,346 | -670 | 4,405 | |||||||
| overdraft | ||||||||||||||
| change in cash | -48,068 | 5,226 | -6,116 | 27,877 | 17,346 | -670 | 4,405 |
later life matters ltd Credit Report and Business Information
Later Life Matters Ltd Competitor Analysis
Perform a competitor analysis for later life matters ltd by selecting its closest rivals, whether from the FINANCIAL AND INSURANCE ACTIVITIES sector, other micro companies, companies in SG14 area or any other competitors across 12 key performance metrics.
later life matters ltd Ownership
LATER LIFE MATTERS LTD group structure
Later Life Matters Ltd has no subsidiary companies.
Ultimate parent company
LATER LIFE MATTERS LTD
07133907
later life matters ltd directors
Later Life Matters Ltd currently has 2 directors. The longest serving directors include Ms Joanne Brown (Jan 2010) and Mr Glen Williams (Jan 2010).
| officer | country | age | start | end | role |
|---|---|---|---|---|---|
| Ms Joanne Brown | England | 52 years | Jan 2010 | - | Director |
| Mr Glen Williams | England | 61 years | Jan 2010 | - | Director |
P&L
March 2024turnover
158.6k
-13%
operating profit
-39.5k
0%
gross margin
27%
-5.81%
turnover
Turnover, or revenue, is the amount of sales generated by a company within the financial year.
Balance Sheet
March 2024net assets
12.9k
-0.75%
total assets
23.8k
-0.65%
cash
0
0%
net assets
Total assets minus all liabilities
later life matters ltd company details
company number
07133907
Type
Private limited with Share Capital
industry
64922 - Activities of mortgage finance companies
66220 - Activities of insurance agents and brokers
64999 - Other financial service activities, except insurance and pension funding, (not including security dealing on own account and factoring) n.e.c.
incorporation date
January 2010
age
15
incorporated
UK
ultimate parent company
accounts
Micro-Entity Accounts
last accounts submitted
March 2024
previous names
N/A
accountant
-
auditor
-
address
11-13 church street, hertford, SG14 1EJ
Bank
-
Legal Advisor
-
later life matters ltd 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 did not find charges/mortgages relating to later life matters ltd.
later life matters ltd Capital Raised & Share Issues BETA
When a company issues new shares, e.g. to new investors following a funding round, it is required to notify Companies House within one month of making an allotment of shares.
Click to start generating capital raising & share issue transactions for LATER LIFE MATTERS LTD. This can take several minutes, an email will notify you when this has completed.
later life matters ltd Companies House Filings - See Documents
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