calverts financial solutions ltd Company Information
Company Number
07161035
Next Accounts
Dec 2025
Shareholders
susannah louise calvert
charles william calvert
Group Structure
View All
Industry
Other financial service activities, except insurance and pension funding, (not including security dealing on own account and factoring) n.e.c.
Registered Address
calvert cottage cowling, keighley, BD22 0LD
Website
-calverts financial solutions ltd Estimated Valuation
Pomanda estimates the enterprise value of CALVERTS FINANCIAL SOLUTIONS LTD at £572.7k based on a Turnover of £436.4k and 1.31x industry multiple (adjusted for size and gross margin).
calverts financial solutions ltd Estimated Valuation
Pomanda estimates the enterprise value of CALVERTS FINANCIAL SOLUTIONS LTD at £0 based on an EBITDA of £-7.8k and a 4.53x industry multiple (adjusted for size and gross margin).
calverts financial solutions ltd Estimated Valuation
Pomanda estimates the enterprise value of CALVERTS FINANCIAL SOLUTIONS LTD at £759 based on Net Assets of £566 and 1.34x industry multiple (adjusted for liquidity).
Edit your figures and get a professional valuation report.
Calverts Financial Solutions Ltd Overview
Calverts Financial Solutions Ltd is a live company located in keighley, BD22 0LD with a Companies House number of 07161035. It operates in the financial intermediation not elsewhere classified sector, SIC Code 64999. Founded in February 2010, it's largest shareholder is susannah louise calvert with a 50% stake. Calverts Financial Solutions Ltd is a established, micro sized company, Pomanda has estimated its turnover at £436.4k with healthy growth in recent years.
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Calverts Financial Solutions Ltd Health Check
Pomanda's financial health check has awarded Calverts Financial Solutions Ltd a 1.5 rating. We use a traffic light system to show it exceeds the industry average on 0 measures and has 5 areas for improvement. Company Health Check FAQs
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0 Strong
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4 Regular
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5 Weak
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Size
annual sales of £436.4k, make it smaller than the average company (£5.2m)
- Calverts Financial Solutions Ltd
£5.2m - Industry AVG
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Growth
3 year (CAGR) sales growth of 5%, show it is growing at a slower rate (6.6%)
- Calverts Financial Solutions Ltd
6.6% - Industry AVG
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Production
with a gross margin of 55.7%, this company has a comparable cost of product (55.7%)
- Calverts Financial Solutions Ltd
55.7% - Industry AVG
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Profitability
an operating margin of -1.9% make it less profitable than the average company (9.2%)
- Calverts Financial Solutions Ltd
9.2% - Industry AVG
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Employees
with 2 employees, this is below the industry average (12)
2 - Calverts Financial Solutions Ltd
12 - Industry AVG
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Pay Structure
on an average salary of £79.9k, the company has an equivalent pay structure (£79.9k)
- Calverts Financial Solutions Ltd
£79.9k - Industry AVG
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Efficiency
resulting in sales per employee of £218.2k, this is equally as efficient (£218.2k)
- Calverts Financial Solutions Ltd
£218.2k - Industry AVG
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Debtor Days
There is insufficient data available for this Key Performance Indicator!
- Calverts Financial Solutions Ltd
- - Industry AVG
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Creditor Days
There is insufficient data available for this Key Performance Indicator!
- Calverts Financial Solutions Ltd
- - Industry AVG
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Stock Days
There is insufficient data available for this Key Performance Indicator!
- Calverts Financial Solutions Ltd
- - Industry AVG
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Cash Balance
has cash to cover current liabilities for 31 weeks, this is average cash available to meet short term requirements (29 weeks)
31 weeks - Calverts Financial Solutions Ltd
29 weeks - Industry AVG
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Debt Level
it has a ratio of liabilities to total assets of 98.4%, this is a higher level of debt than the average (68.5%)
98.4% - Calverts Financial Solutions Ltd
68.5% - Industry AVG
CALVERTS FINANCIAL SOLUTIONS LTD financials
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Calverts Financial Solutions Ltd's latest turnover from March 2024 is estimated at £436.4 thousand and the company has net assets of £566. According to their latest financial statements, Calverts Financial Solutions Ltd has 2 employees and maintains cash reserves of £16.9 thousand 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 | Mar 2015 | Mar 2014 | Mar 2013 | Mar 2012 | Mar 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 | 2 | 2 | 2 | 2 | 2 | 2 | ||||||||
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 | Mar 2015 | Mar 2014 | Mar 2013 | Mar 2012 | Mar 2011 | |
---|---|---|---|---|---|---|---|---|---|---|---|---|---|---|
Tangible Assets | 1,474 | 1,965 | 2,456 | 3,070 | 3,838 | 3,548 | 1,450 | 1,813 | 2,266 | 1,263 | 1,579 | 1,495 | 812 | 465 |
Intangible Assets | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 |
Investments & Other | 0 | 0 | 1,500 | 800 | 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 |
Total Fixed Assets | 1,474 | 1,965 | 3,956 | 3,870 | 3,838 | 3,548 | 1,450 | 1,813 | 2,266 | 1,263 | 1,579 | 1,495 | 812 | 465 |
Stock & work in progress | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 |
Trade Debtors | 0 | 0 | 0 | 0 | 0 | 0 | 13,425 | 23,633 | 0 | 0 | 14,525 | 6,139 | 15,692 | 8,054 |
Group Debtors | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 |
Misc Debtors | 17,000 | 20,000 | 20,000 | 20,000 | 9,064 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 2,155 |
Cash | 16,889 | 27,123 | 18,218 | 100,172 | 2,741 | 8,314 | 0 | 0 | 34,562 | 56,027 | 37,294 | 3,024 | 9,968 | 3,078 |
misc current assets | 0 | 0 | 148,500 | 79,200 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 |
total current assets | 33,889 | 47,123 | 186,718 | 199,372 | 11,805 | 8,314 | 13,425 | 23,633 | 34,562 | 56,027 | 51,819 | 9,163 | 25,660 | 13,287 |
total assets | 35,363 | 49,088 | 190,674 | 203,242 | 15,643 | 11,862 | 14,875 | 25,446 | 36,828 | 57,290 | 53,398 | 10,658 | 26,472 | 13,752 |
Bank overdraft | 0 | 0 | 6,000 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 |
Bank loan | 6,000 | 6,000 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 |
Trade Creditors | 0 | 0 | 0 | 0 | 0 | 0 | 15,208 | 20,015 | 14,504 | 19,962 | 23,315 | 9,661 | 16,875 | 13,368 |
Group/Directors Accounts | 0 | 0 | 0 | 0 | 0 | 1,141 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 |
other short term finances | 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 |
other current liabilities | 21,573 | 20,286 | 151,115 | 164,509 | 15,614 | 10,387 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 |
total current liabilities | 27,573 | 26,286 | 157,115 | 164,509 | 15,614 | 11,528 | 15,208 | 20,015 | 14,504 | 19,962 | 23,315 | 9,661 | 16,875 | 13,368 |
loans | 7,000 | 13,000 | 19,000 | 30,000 | 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 |
Accruals and Deferred Income | 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 |
provisions | 224 | 305 | 383 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 316 | 299 | 162 | 96 |
total long term liabilities | 7,224 | 13,305 | 19,383 | 30,000 | 0 | 0 | 0 | 0 | 0 | 0 | 316 | 299 | 162 | 96 |
total liabilities | 34,797 | 39,591 | 176,498 | 194,509 | 15,614 | 11,528 | 15,208 | 20,015 | 14,504 | 19,962 | 23,631 | 9,960 | 17,037 | 13,464 |
net assets | 566 | 9,497 | 14,176 | 8,733 | 29 | 334 | -333 | 5,431 | 22,324 | 37,328 | 29,767 | 698 | 9,435 | 288 |
total shareholders funds | 566 | 9,497 | 14,176 | 8,733 | 29 | 334 | -333 | 5,431 | 22,324 | 37,328 | 29,767 | 698 | 9,435 | 288 |
Mar 2024 | Mar 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 | ||||||||||||||
Depreciation | 491 | 491 | 614 | 768 | 510 | 567 | 316 | 394 | 375 | 203 | 135 | |||
Amortisation | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | |||
Tax | ||||||||||||||
Stock | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 |
Debtors | -3,000 | 0 | 0 | 10,936 | 9,064 | -13,425 | -10,208 | 23,633 | 0 | -14,525 | 8,386 | -9,553 | 5,483 | 10,209 |
Creditors | 0 | 0 | 0 | 0 | 0 | -15,208 | -4,807 | 5,511 | -5,458 | -3,353 | 13,654 | -7,214 | 3,507 | 13,368 |
Accruals and Deferred Income | 1,287 | -130,829 | -13,394 | 148,895 | 5,227 | 10,387 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 |
Deferred Taxes & Provisions | -81 | -78 | 383 | 0 | 0 | 0 | 0 | 0 | 0 | -316 | 17 | 137 | 66 | 96 |
Cash flow from operations | ||||||||||||||
Investing Activities | ||||||||||||||
capital expenditure | ||||||||||||||
Change in Investments | 0 | -1,500 | 700 | 800 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 |
cash flow from investments | ||||||||||||||
Financing Activities | ||||||||||||||
Bank loans | 0 | 6,000 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 |
Group/Directors Accounts | 0 | 0 | 0 | 0 | -1,141 | 1,141 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 |
Other Short Term Loans | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 |
Long term loans | -6,000 | -6,000 | -11,000 | 30,000 | 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 |
other long term liabilities | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 |
share issue | ||||||||||||||
interest | ||||||||||||||
cash flow from financing | ||||||||||||||
cash and cash equivalents | ||||||||||||||
cash | -10,234 | 8,905 | -81,954 | 97,431 | -5,573 | 8,314 | 0 | -34,562 | -21,465 | 18,733 | 34,270 | -6,944 | 6,890 | 3,078 |
overdraft | 0 | -6,000 | 6,000 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 |
change in cash | -10,234 | 14,905 | -87,954 | 97,431 | -5,573 | 8,314 | 0 | -34,562 | -21,465 | 18,733 | 34,270 | -6,944 | 6,890 | 3,078 |
calverts financial solutions ltd Credit Report and Business Information
Calverts Financial Solutions Ltd Competitor Analysis
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Perform a competitor analysis for calverts financial solutions ltd by selecting its closest rivals, whether from the FINANCIAL AND INSURANCE ACTIVITIES sector, other micro companies, companies in BD22 area or any other competitors across 12 key performance metrics.
calverts financial solutions ltd Ownership
CALVERTS FINANCIAL SOLUTIONS LTD group structure
Calverts Financial Solutions Ltd has no subsidiary companies.
Ultimate parent company
CALVERTS FINANCIAL SOLUTIONS LTD
07161035
calverts financial solutions ltd directors
Calverts Financial Solutions Ltd currently has 2 directors. The longest serving directors include Mr Charles Calvert (Feb 2010) and Ms Susannah Calvert (Apr 2020).
officer | country | age | start | end | role |
---|---|---|---|---|---|
Mr Charles Calvert | 46 years | Feb 2010 | - | Director | |
Ms Susannah Calvert | United Kingdom | 45 years | Apr 2020 | - | Director |
P&L
March 2024turnover
436.4k
+9%
operating profit
-8.3k
0%
gross margin
55.7%
-3.94%
turnover
Turnover, or revenue, is the amount of sales generated by a company within the financial year.
Balance Sheet
March 2024net assets
566
-0.94%
total assets
35.4k
-0.28%
cash
16.9k
-0.38%
net assets
Total assets minus all liabilities
calverts financial solutions ltd company details
company number
07161035
Type
Private limited with Share Capital
industry
64999 - Other financial service activities, except insurance and pension funding, (not including security dealing on own account and factoring) n.e.c.
incorporation date
February 2010
age
15
incorporated
UK
ultimate parent company
accounts
Total Exemption Full
last accounts submitted
March 2024
previous names
calvert wealth management ltd (March 2010)
accountant
-
auditor
-
address
calvert cottage cowling, keighley, BD22 0LD
Bank
-
Legal Advisor
-
calverts financial solutions 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 calverts financial solutions ltd.
calverts financial solutions 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.
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calverts financial solutions ltd Companies House Filings - See Documents
date | description | view/download |
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