Aj Insurance Service Limited

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aj insurance service limited Company Information

Company Number

07144164

Next Accounts

Jun 2025

Directors

Robert Keene

Michael Millar

Shareholders

howden uk & i holdings limited

Group Structure

View All

Industry

Other business support service activities n.e.c.

Registered Address

one creechurch place, london, united kingdom, EC3A 5AF

Website

www.ajinsurance.co.uk

aj insurance service limited Estimated Valuation

£2m

Pomanda estimates the enterprise value of AJ INSURANCE SERVICE LIMITED at £2m based on an EBITDA of £273.1k and a 7.29x industry multiple (adjusted for size and gross margin).

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Aj Insurance Service Limited is a live company located in united kingdom, EC3A 5AF with a Companies House number of 07144164. It operates in the other business support service activities n.e.c. sector, SIC Code 82990. Founded in February 2010, it's largest shareholder is howden uk & i holdings limited with a 100% stake. Aj Insurance Service Limited is a established, small sized company, Pomanda has estimated its turnover at £848.1k with declining growth in recent years.

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Pomanda's financial health check has awarded Aj Insurance Service Limited a 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 Rating5out of 5

5 Strong

2 Regular

3 Weak

Size

annual sales of £848.1k, make it smaller than the average company (£3.9m)

Growth

3 year (CAGR) sales growth of -9%, show it is growing at a slower rate (5.3%)

EXPORT

Aj Insurance Service Limited's latest turnover from September 2023 is £848.1 thousand and the company has net assets of £786.5 thousand. According to their latest financial statements, Aj Insurance Service Limited has 6 employees and maintains cash reserves of £207 thousand as reported in the balance sheet.

Data source: Companies House, Pomanda Estimates

	Sep 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
Turnover	848,058	1,019,599	1,076,133	1,138,082	878,131	1,069,356	768,072	821,084	1,886,603	2,306,666	2,537,511	2,619,411	2,008,410
Other Income Or Grants
Cost Of Sales	6,862	855,150	908,787	943,491	732,591	891,213	632,745	679,117	1,571,455	1,922,372	2,100,377	2,146,706	1,636,551
Gross Profit	841,196	164,449	167,346	194,590	145,540	178,143	135,327	141,968	315,147	384,295	437,134	472,705	371,858
Admin Expenses	571,167	76,142	100,330	151,241	136,272	175,942	137,991	65,675	282,902	326,278	378,087	469,241	142,640
Operating Profit	270,029	88,307	67,016	43,349	9,268	2,201	-2,664	76,293	32,245	58,017	59,047	3,464	229,218
Interest Payable	144
Interest Receivable		4,969	466	297	2,042	1,441	666	1,327	1,183	1,037	915	1,001	611
Pre-Tax Profit	269,885	93,275	67,483	43,646	11,310	3,642	-1,998	77,620	33,428	59,055	59,962	4,465	229,829
Tax	-57,350	-17,722	-12,822	-8,293	-2,149	-692		-15,524	-7,020	-13,583	-14,391	-1,161	-64,352
Profit After Tax	212,535	75,553	54,661	35,353	9,161	2,950	-1,998	62,096	26,408	45,472	45,571	3,304	165,477
Dividends Paid
Retained Profit	212,535	75,553	54,661	35,353	9,161	2,950	-1,998	62,096	26,408	45,472	45,571	3,304	165,477
Employee Costs	291,259	423,489	402,810	557,674	501,786	509,584	462,039	463,631	248,885	282,512	313,281	312,429	240,071
Number Of Employees	6	10	10	14	13	14	13	13	7	8	9	9	7
EBITDA*	273,126	92,860	72,658	86,424	18,285	13,508	7,810	83,211	40,214	64,298	64,193	7,723	229,218

* Earnings Before Interest, Tax, Depreciation and Amortisation

	Sep 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
Tangible Assets		14,767	16,987	20,282	27,043	36,060	43,074	28,697	29,442	9,333	11,908	13,566	8,189
Intangible Assets
Investments & Other
Debtors (Due After 1 year)
Total Fixed Assets		14,767	16,987	20,282	27,043	36,060	43,074	28,697	29,442	9,333	11,908	13,566	8,189
Stock & work in progress
Trade Debtors		289,187	291,966	301,801	237,621	280,013	184,195	209,092	493,063	609,683	653,075	689,506	531,463
Group Debtors	418,923	138,491	222,378	362,735	377,428	393,033	360,187	324,641
Misc Debtors	167,766	10,454	9,163	12,122	11,926	12,847	13,227	11,939
Cash	207,030	747,231	577,750	354,980	238,528	305,954	270,602	262,479	268,391	204,871	210,021	156,054	244,296
misc current assets
total current assets	793,719	1,185,363	1,101,257	1,031,638	865,503	991,847	828,211	808,151	761,454	814,554	863,096	845,560	775,759
total assets	793,719	1,200,130	1,118,244	1,051,920	892,546	1,027,907	871,285	836,848	790,896	823,887	875,004	859,126	783,948
Bank overdraft
Bank loan
Trade Creditors	4,370	383,319	415,075	353,957	252,409	376,217	237,060	204,917	380,050	423,752	520,166	549,885	478,471
Group/Directors Accounts		122,387	89,970	146,878	118,159	129,251	133,848	107,502
other short term finances
hp & lease commitments
other current liabilities		117,610	111,884	103,887	108,946	116,650	96,289	121,407
total current liabilities	4,370	623,316	616,929	604,722	479,514	622,118	467,197	433,826	380,050	423,752	520,166	549,885	478,471
loans
hp & lease commitments
Accruals and Deferred Income
other liabilities									70,000	90,000	90,000	90,000	90,000
provisions	2,806	2,806	2,860	3,404	4,591	6,509	7,758	4,694	4,614	311	486	460
total long term liabilities	2,806	2,806	2,860	3,404	4,591	6,509	7,758	4,694	74,614	90,311	90,486	90,460	90,000
total liabilities	7,176	626,122	619,789	608,126	484,105	628,627	474,955	438,520	454,664	514,063	610,652	640,345	568,471
net assets	786,543	574,008	498,455	443,794	408,441	399,280	396,330	398,328	336,232	309,824	264,352	218,781	215,477
total shareholders funds	786,543	574,008	498,455	443,794	408,441	399,280	396,330	398,328	336,232	309,824	264,352	218,781	215,477

	Sep 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
Operating Activities
Operating Profit	270,029	88,307	67,016	43,349	9,268	2,201	-2,664	76,293	32,245	58,017	59,047	3,464	229,218
Depreciation	3,097	4,553	5,642	43,075	9,017	11,307	10,474	6,918	7,969	6,281	5,146	4,259
Amortisation
Tax	-57,350	-17,722	-12,822	-8,293	-2,149	-692		-15,524	-7,020	-13,583	-14,391	-1,161	-64,352
Stock
Debtors	148,557	-85,375	-153,151	49,683	-58,918	128,284	11,937	52,609	-116,620	-43,392	-36,431	158,043	531,463
Creditors	-378,949	-31,756	61,118	101,548	-123,808	139,157	32,143	-175,133	-43,702	-96,414	-29,719	71,414	478,471
Accruals and Deferred Income	-117,610	5,726	7,997	-5,059	-7,704	20,361	-25,118	121,407
Deferred Taxes & Provisions		-54	-544	-1,187	-1,918	-1,249	3,064	80	4,303	-175	26	460
Cash flow from operations	-429,340	134,429	281,558	123,750	-58,376	42,801	5,962	-38,568	110,415	-2,482	56,540	-79,607	111,874
Investing Activities
capital expenditure	11,670	-2,333	-2,347	-36,314		-4,293	-24,851	-6,173	-28,078	-3,706	-3,488	-9,636	-8,189
Change in Investments
cash flow from investments	11,670	-2,333	-2,347	-36,314		-4,293	-24,851	-6,173	-28,078	-3,706	-3,488	-9,636	-8,189
Financing Activities
Bank loans
Group/Directors Accounts	-122,387	32,417	-56,908	28,719	-11,092	-4,597	26,346	107,502
Other Short Term Loans
Long term loans
Hire Purchase and Lease Commitments
other long term liabilities								-70,000	-20,000				90,000
share issue													50,000
interest	-144	4,969	466	297	2,042	1,441	666	1,327	1,183	1,037	915	1,001	611
cash flow from financing	-122,531	37,386	-56,442	29,016	-9,050	-3,156	27,012	38,829	-18,817	1,037	915	1,001	140,611
cash and cash equivalents
cash	-540,201	169,481	222,770	116,452	-67,426	35,352	8,123	-5,912	63,520	-5,150	53,967	-88,242	244,296
overdraft
change in cash	-540,201	169,481	222,770	116,452	-67,426	35,352	8,123	-5,912	63,520	-5,150	53,967	-88,242	244,296

Very Low Risk70 - 100

Low Risk50 - 70

Moderate Risk30 - 50

High Risk20 - 30

Very High Risk0 - 20

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Perform a competitor analysis for aj insurance service limited by selecting its closest rivals, whether from the ADMINISTRATIVE AND SUPPORT SERVICE ACTIVITIES sector, other small companies, companies in EC3A area or any other competitors across 12 key performance metrics.

AJ INSURANCE SERVICE LIMITED group structure

Aj Insurance Service Limited has no subsidiary companies.

Ultimate parent company

HOWDEN GROUP HOLDINGS LIMITED

02937398

HOWDEN UK&I HOLDINGS LIMITED

12875660

2 parents

AJ INSURANCE SERVICE LIMITED

07144164

AJ INSURANCE SERVICE LIMITED Shareholders

howden uk & i holdings limited

100%

Aj Insurance Service Limited currently has 2 directors. The longest serving directors include Mr Robert Keene (Oct 2022) and Mr Michael Millar (Oct 2022).

officer	country	age	start	end	role
Mr Robert Keene	United Kingdom	54 years	Oct 2022	-	Director
Mr Michael Millar	United Kingdom	37 years	Oct 2022	-	Director

P&L

September 2023

turnover

848.1k

operating profit

270k

gross margin

99.2%

turnover

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

Balance Sheet

September 2023

net assets

786.5k

+0.37%

total assets

793.7k

-0.34%

cash

207k

-0.72%

net assets

Total assets minus all liabilities

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company number

07144164

Type

Private limited with Share Capital

industry

82990 - Other business support service activities n.e.c.

incorporation date

February 2010

ultimate parent company

HOWDEN GROUP HOLDINGS LIMITED

previous names

N/A

address

one creechurch place, london, united kingdom, EC3A 5AF

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aj insurance service limited Company Information

aj insurance service limited Estimated Valuation

aj insurance service limited Estimated Valuation

aj insurance service limited Estimated Valuation

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