calverts financial solutions ltd

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calverts financial solutions ltd Company Information

Share CALVERTS FINANCIAL SOLUTIONS LTD

Company Number

07161035

Shareholders

susannah louise calvert

charles william calvert

Group Structure

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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

£572.7k

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

£0

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

£759

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).

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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

Health Check Image
Health Rating1.5out of 5
positive_score

0 Strong

positive_score

4 Regular

positive_score

5 Weak

size

Size

annual sales of £436.4k, make it smaller than the average company (£5.2m)

£436.4k - Calverts Financial Solutions Ltd

£5.2m - Industry AVG

growth

Growth

3 year (CAGR) sales growth of 5%, show it is growing at a slower rate (6.6%)

5% - Calverts Financial Solutions Ltd

6.6% - Industry AVG

production

Production

with a gross margin of 55.7%, this company has a comparable cost of product (55.7%)

55.7% - Calverts Financial Solutions Ltd

55.7% - Industry AVG

profitability

Profitability

an operating margin of -1.9% make it less profitable than the average company (9.2%)

-1.9% - Calverts Financial Solutions Ltd

9.2% - Industry AVG

employees

Employees

with 2 employees, this is below the industry average (12)

2 - Calverts Financial Solutions Ltd

12 - Industry AVG

paystructure

Pay Structure

on an average salary of £79.9k, the company has an equivalent pay structure (£79.9k)

£79.9k - Calverts Financial Solutions Ltd

£79.9k - Industry AVG

efficiency

Efficiency

resulting in sales per employee of £218.2k, this is equally as efficient (£218.2k)

£218.2k - Calverts Financial Solutions Ltd

£218.2k - Industry AVG

debtordays

Debtor Days

There is insufficient data available for this Key Performance Indicator!

- - Calverts Financial Solutions Ltd

- - Industry AVG

creditordays

Creditor Days

There is insufficient data available for this Key Performance Indicator!

- - Calverts Financial Solutions Ltd

- - Industry AVG

stockdays

Stock Days

There is insufficient data available for this Key Performance Indicator!

- - Calverts Financial Solutions Ltd

- - Industry AVG

cashbalance

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

debtlevel

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

EXPORTms excel logo

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 HousePomanda Estimates

Mar 2024Mar 2023Mar 2022Mar 2021Mar 2020Mar 2019Mar 2018Mar 2017Mar 2016Mar 2015Mar 2014Mar 2013Mar 2012Mar 2011
Turnover436,431399,343414,451374,313390,601389,922113,433194,10337,32748,182118,22249,842122,80163,683
Other Income Or Grants00000000000000
Cost Of Sales193,527167,964166,239150,718151,610156,00945,22074,37212,96216,52243,34718,95248,18825,692
Gross Profit242,904231,379248,212223,595238,991233,91468,213119,73124,36531,66074,87630,88974,61237,991
Admin Expenses251,190234,766240,080211,986239,302233,24573,977136,56739,59522,32237,22539,65862,28437,738
Operating Profit-8,286-3,3878,13211,609-311669-5,764-16,836-15,2309,33837,651-8,76912,328253
Interest Payable1,8002,2551,8569150000000000
Interest Receivable1,1559644445163104322623310132338
Pre-Tax Profit-8,931-4,6796,72010,746-305700-5,764-16,793-15,0049,57137,752-8,73712,361261
Tax00-1,277-2,0420-133000-2,010-8,6830-3,214-73
Profit After Tax-8,931-4,6795,4438,704-305567-5,764-16,793-15,0047,56129,069-8,7379,147188
Dividends Paid00000000000000
Retained Profit-8,931-4,6795,4438,704-305567-5,764-16,793-15,0047,56129,069-8,7379,147188
Employee Costs159,825147,950146,639136,646138,797136,47966,016125,61360,96058,40059,28857,64656,04456,247
Number Of Employees22222212111111
EBITDA*-7,795-2,8968,74612,377199669-5,764-16,836-14,6639,65438,045-8,39412,531388

* Earnings Before Interest, Tax, Depreciation and Amortisation

Mar 2024Mar 2023Mar 2022Mar 2021Mar 2020Mar 2019Mar 2018Mar 2017Mar 2016Mar 2015Mar 2014Mar 2013Mar 2012Mar 2011
Tangible Assets1,4741,9652,4563,0703,8383,5481,4501,8132,2661,2631,5791,495812465
Intangible Assets00000000000000
Investments & Other001,5008000000000000
Debtors (Due After 1 year)00000000000000
Total Fixed Assets1,4741,9653,9563,8703,8383,5481,4501,8132,2661,2631,5791,495812465
Stock & work in progress00000000000000
Trade Debtors00000013,42523,6330014,5256,13915,6928,054
Group Debtors00000000000000
Misc Debtors17,00020,00020,00020,0009,064000000002,155
Cash16,88927,12318,218100,1722,7418,3140034,56256,02737,2943,0249,9683,078
misc current assets00148,50079,2000000000000
total current assets33,88947,123186,718199,37211,8058,31413,42523,63334,56256,02751,8199,16325,66013,287
total assets35,36349,088190,674203,24215,64311,86214,87525,44636,82857,29053,39810,65826,47213,752
Bank overdraft006,00000000000000
Bank loan6,0006,000000000000000
Trade Creditors 00000015,20820,01514,50419,96223,3159,66116,87513,368
Group/Directors Accounts000001,14100000000
other short term finances00000000000000
hp & lease commitments00000000000000
other current liabilities21,57320,286151,115164,50915,61410,38700000000
total current liabilities27,57326,286157,115164,50915,61411,52815,20820,01514,50419,96223,3159,66116,87513,368
loans7,00013,00019,00030,0000000000000
hp & lease commitments00000000000000
Accruals and Deferred Income00000000000000
other liabilities00000000000000
provisions224305383000000031629916296
total long term liabilities7,22413,30519,38330,00000000031629916296
total liabilities34,79739,591176,498194,50915,61411,52815,20820,01514,50419,96223,6319,96017,03713,464
net assets5669,49714,1768,73329334-3335,43122,32437,32829,7676989,435288
total shareholders funds5669,49714,1768,73329334-3335,43122,32437,32829,7676989,435288
Mar 2024Mar 2023Mar 2022Mar 2021Mar 2020Mar 2019Mar 2018Mar 2017Mar 2016Mar 2015Mar 2014Mar 2013Mar 2012Mar 2011
Operating Activities
Operating Profit-8,286-3,3878,13211,609-311669-5,764-16,836-15,2309,33837,651-8,76912,328253
Depreciation491491614768510000567316394375203135
Amortisation00000000000000
Tax00-1,277-2,0420-133000-2,010-8,6830-3,214-73
Stock00000000000000
Debtors-3,0000010,9369,064-13,425-10,20823,6330-14,5258,386-9,5535,48310,209
Creditors00000-15,208-4,8075,511-5,458-3,35313,654-7,2143,50713,368
Accruals and Deferred Income1,287-130,829-13,394148,8955,22710,38700000000
Deferred Taxes & Provisions-81-78383000000-316171376696
Cash flow from operations-3,589-133,803-5,542148,294-3,6389,140-363-34,958-20,12118,50034,647-5,9187,4073,570
Investing Activities
capital expenditure0000-800-2,098363453-1,5700-478-1,058-550-600
Change in Investments0-1,5007008000000000000
cash flow from investments01,500-700-800-800-2,098363453-1,5700-478-1,058-550-600
Financing Activities
Bank loans06,000000000000000
Group/Directors Accounts0000-1,1411,14100000000
Other Short Term Loans 00000000000000
Long term loans-6,000-6,000-11,00030,0000000000000
Hire Purchase and Lease Commitments00000000000000
other long term liabilities00000000000000
share issue000001000-10000000100
interest-645-1,291-1,412-86463104322623310132338
cash flow from financing-6,645-1,291-12,41229,136-1,1351,2720-572262331013233108
cash and cash equivalents
cash-10,2348,905-81,95497,431-5,5738,3140-34,562-21,46518,73334,270-6,9446,8903,078
overdraft0-6,0006,00000000000000
change in cash-10,23414,905-87,95497,431-5,5738,3140-34,562-21,46518,73334,270-6,9446,8903,078

calverts financial solutions ltd Credit Report and Business Information

Very Low Risk70 - 100
Low Risk50 - 70
Moderate Risk30 - 50
High Risk20 - 30
Very High Risk0 - 20
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Calverts Financial Solutions Ltd Competitor Analysis

competitor_analysis_table_img

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 Shareholders

susannah louise calvert 50%
charles william calvert 50%

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).

officercountryagestartendrole
Mr Charles Calvert46 years Feb 2010- Director
Ms Susannah CalvertUnited Kingdom45 years Apr 2020- Director

P&L

March 2024

turnover

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 2024

net 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

None

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

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