glamorgan 1:1 financial limited
glamorgan 1:1 financial limited Company Information
Company Number
07163802
Next Accounts
Dec 2025
Shareholders
martin kelland
bethan kelland
View AllGroup Structure
View All
Industry
Pension funding
Registered Address
apollo business village, heol persondy, bridgend, CF32 9RF
Website
www.glamorgan121.comglamorgan 1:1 financial limited Estimated Valuation
Pomanda estimates the enterprise value of GLAMORGAN 1:1 FINANCIAL LIMITED at £148.9k based on a Turnover of £266k and 0.56x industry multiple (adjusted for size and gross margin).
glamorgan 1:1 financial limited Estimated Valuation
Pomanda estimates the enterprise value of GLAMORGAN 1:1 FINANCIAL LIMITED at £0 based on an EBITDA of £-25.3k and a 5.09x industry multiple (adjusted for size and gross margin).
glamorgan 1:1 financial limited Estimated Valuation
Pomanda estimates the enterprise value of GLAMORGAN 1:1 FINANCIAL LIMITED at £16k based on Net Assets of £9.1k and 1.76x industry multiple (adjusted for liquidity).
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Glamorgan 1:1 Financial Limited Overview
Glamorgan 1:1 Financial Limited is a live company located in bridgend, CF32 9RF with a Companies House number of 07163802. It operates in the pension funding sector, SIC Code 65300. Founded in February 2010, it's largest shareholder is martin kelland with a 56.3% stake. Glamorgan 1:1 Financial Limited is a established, micro sized company, Pomanda has estimated its turnover at £266k with declining growth in recent years.
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Glamorgan 1:1 Financial Limited Health Check
Pomanda's financial health check has awarded Glamorgan 1:1 Financial Limited a 2 rating. We use a traffic light system to show it exceeds the industry average on 2 measures and has 6 areas for improvement. Company Health Check FAQs
2 Strong
2 Regular
6 Weak
Size
annual sales of £266k, make it smaller than the average company (£2m)
- Glamorgan 1:1 Financial Limited
£2m - Industry AVG
Growth
3 year (CAGR) sales growth of -17%, show it is growing at a slower rate (5.8%)
- Glamorgan 1:1 Financial Limited
5.8% - Industry AVG
Production
with a gross margin of 100%, this company has a comparable cost of product (100%)
- Glamorgan 1:1 Financial Limited
100% - Industry AVG
Profitability
an operating margin of -9.5% make it less profitable than the average company (10.1%)
- Glamorgan 1:1 Financial Limited
10.1% - Industry AVG
Employees
with 4 employees, this is below the industry average (14)
4 - Glamorgan 1:1 Financial Limited
14 - Industry AVG
Pay Structure
on an average salary of £59.4k, the company has an equivalent pay structure (£59.4k)
- Glamorgan 1:1 Financial Limited
£59.4k - Industry AVG
Efficiency
resulting in sales per employee of £66.5k, this is less efficient (£132.5k)
- Glamorgan 1:1 Financial Limited
£132.5k - Industry AVG
Debtor Days
it gets paid by customers after 3 days, this is earlier than average (28 days)
- Glamorgan 1:1 Financial Limited
28 days - Industry AVG
Creditor Days
There is insufficient data available for this Key Performance Indicator!
- Glamorgan 1:1 Financial Limited
- - Industry AVG
Stock Days
There is insufficient data available for this Key Performance Indicator!
- Glamorgan 1:1 Financial Limited
- - Industry AVG
Cash Balance
has cash to cover current liabilities for 65 weeks, this is more cash available to meet short term requirements (46 weeks)
65 weeks - Glamorgan 1:1 Financial Limited
46 weeks - Industry AVG
Debt Level
it has a ratio of liabilities to total assets of 91.8%, this is a higher level of debt than the average (38.5%)
91.8% - Glamorgan 1:1 Financial Limited
38.5% - Industry AVG
GLAMORGAN 1:1 FINANCIAL LIMITED financials
Glamorgan 1:1 Financial Limited's latest turnover from March 2024 is estimated at £266 thousand and the company has net assets of £9.1 thousand. According to their latest financial statements, Glamorgan 1:1 Financial Limited has 4 employees and maintains cash reserves of £82.1 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 | 4 | 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 | Mar 2015 | Mar 2014 | Mar 2013 | Mar 2012 | Mar 2011 | |
|---|---|---|---|---|---|---|---|---|---|---|---|---|---|---|
| Tangible Assets | 25,277 | 27,556 | 20,110 | 4,116 | 2,052 | 3,001 | 4,615 | 18,227 | 25,280 | 30,986 | 1,492 | 1,433 | 1,910 | 2,211 |
| Intangible Assets | 3,600 | 7,200 | 10,800 | 14,400 | 18,000 | |||||||||
| Investments & Other | ||||||||||||||
| Debtors (Due After 1 year) | ||||||||||||||
| Total Fixed Assets | 25,277 | 27,556 | 20,110 | 4,116 | 2,052 | 3,001 | 4,615 | 18,227 | 25,280 | 34,586 | 8,692 | 12,233 | 16,310 | 20,211 |
| Stock & work in progress | 1,705 | 1,455 | 1,215 | 1,230 | 1,265 | 1,225 | 1,655 | 1,625 | 1,625 | 2,770 | ||||
| Trade Debtors | 2,880 | 3,132 | 88,978 | 75,830 | 47,740 | 34,555 | 2,439 | 2,185 | 2,530 | 2,890 | 3,940 | 11,700 | 3,326 | 1,645 |
| Group Debtors | ||||||||||||||
| Misc Debtors | ||||||||||||||
| Cash | 82,118 | 75,116 | 22,064 | 26,093 | 25,330 | 16,734 | 17,936 | 14,198 | 21,371 | 12,943 | ||||
| misc current assets | ||||||||||||||
| total current assets | 86,703 | 79,703 | 88,978 | 75,830 | 47,740 | 34,555 | 25,718 | 29,508 | 29,125 | 20,849 | 23,531 | 27,523 | 26,322 | 17,358 |
| total assets | 111,980 | 107,259 | 109,088 | 79,946 | 49,792 | 37,556 | 30,333 | 47,735 | 54,405 | 55,435 | 32,223 | 39,756 | 42,632 | 37,569 |
| Bank overdraft | ||||||||||||||
| Bank loan | ||||||||||||||
| Trade Creditors | 41,871 | 21,002 | 8,806 | 11,956 | 10,785 | 14,934 | 11,583 | 6,017 | 8,062 | 11,557 | 14,397 | 6,503 | ||
| Group/Directors Accounts | ||||||||||||||
| other short term finances | ||||||||||||||
| hp & lease commitments | ||||||||||||||
| other current liabilities | 65,041 | 53,601 | ||||||||||||
| total current liabilities | 65,041 | 53,601 | 41,871 | 21,002 | 8,806 | 11,956 | 10,785 | 14,934 | 11,583 | 6,017 | 8,062 | 11,557 | 14,397 | 6,503 |
| loans | ||||||||||||||
| hp & lease commitments | ||||||||||||||
| Accruals and Deferred Income | ||||||||||||||
| other liabilities | 37,797 | 23,322 | 34,366 | 23,203 | 32,331 | 23,594 | 16,294 | 27,827 | 37,745 | 43,227 | 24,058 | 28,000 | 28,000 | 28,000 |
| provisions | 3,508 | 4,888 | 5,992 | |||||||||||
| total long term liabilities | 37,797 | 23,322 | 34,366 | 23,203 | 32,331 | 23,594 | 16,294 | 31,335 | 42,633 | 49,219 | 24,058 | 28,000 | 28,000 | 28,000 |
| total liabilities | 102,838 | 76,923 | 76,237 | 44,205 | 41,137 | 35,550 | 27,079 | 46,269 | 54,216 | 55,236 | 32,120 | 39,557 | 42,397 | 34,503 |
| net assets | 9,142 | 30,336 | 32,851 | 35,741 | 8,655 | 2,006 | 3,254 | 1,466 | 189 | 199 | 103 | 199 | 235 | 3,066 |
| total shareholders funds | 9,142 | 30,336 | 32,851 | 35,741 | 8,655 | 2,006 | 3,254 | 1,466 | 189 | 199 | 103 | 199 | 235 | 3,066 |
| 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 | 2,421 | 8,798 | 7,584 | 358 | 478 | 637 | 739 | |||||||
| Amortisation | 3,600 | 3,600 | 3,600 | 3,600 | 3,600 | |||||||||
| Tax | ||||||||||||||
| Stock | 250 | 1,455 | -1,215 | -15 | -35 | 40 | -430 | 30 | -1,145 | 2,770 | ||||
| Debtors | -252 | -85,846 | 13,148 | 28,090 | 13,185 | 32,116 | 254 | -345 | -360 | -1,050 | -7,760 | 8,374 | 1,681 | 1,645 |
| Creditors | -41,871 | 20,869 | 12,196 | -3,150 | 1,171 | -4,149 | 3,351 | 5,566 | -2,045 | -3,495 | -2,840 | 7,894 | 6,503 | |
| Accruals and Deferred Income | 11,440 | 53,601 | ||||||||||||
| Deferred Taxes & Provisions | -3,508 | -1,380 | -1,104 | 5,992 | ||||||||||
| 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 | 14,475 | -11,044 | 11,163 | -9,128 | 8,737 | 7,300 | -11,533 | -9,918 | -5,482 | 19,169 | -3,942 | 28,000 | ||
| share issue | ||||||||||||||
| interest | ||||||||||||||
| cash flow from financing | ||||||||||||||
| cash and cash equivalents | ||||||||||||||
| cash | 7,002 | 75,116 | -22,064 | -4,029 | 763 | 8,596 | -1,202 | 3,738 | -7,173 | 8,428 | 12,943 | |||
| overdraft | ||||||||||||||
| change in cash | 7,002 | 75,116 | -22,064 | -4,029 | 763 | 8,596 | -1,202 | 3,738 | -7,173 | 8,428 | 12,943 |
glamorgan 1:1 financial limited Credit Report and Business Information
Glamorgan 1:1 Financial Limited Competitor Analysis
Perform a competitor analysis for glamorgan 1:1 financial limited by selecting its closest rivals, whether from the FINANCIAL AND INSURANCE ACTIVITIES sector, other micro companies, companies in CF32 area or any other competitors across 12 key performance metrics.
glamorgan 1:1 financial limited Ownership
GLAMORGAN 1:1 FINANCIAL LIMITED group structure
Glamorgan 1:1 Financial Limited has no subsidiary companies.
Ultimate parent company
GLAMORGAN 1:1 FINANCIAL LIMITED
07163802
glamorgan 1:1 financial limited directors
Glamorgan 1:1 Financial Limited currently has 2 directors. The longest serving directors include Mr Martin Kelland (Feb 2010) and Mr Gareth Kelland (Feb 2023).
| officer | country | age | start | end | role |
|---|---|---|---|---|---|
| Mr Martin Kelland | Wales | 62 years | Feb 2010 | - | Director |
| Mr Gareth Kelland | Wales | 35 years | Feb 2023 | - | Director |
P&L
March 2024turnover
266k
+56%
operating profit
-25.3k
0%
gross margin
100%
0%
turnover
Turnover, or revenue, is the amount of sales generated by a company within the financial year.
Balance Sheet
March 2024net assets
9.1k
-0.7%
total assets
112k
+0.04%
cash
82.1k
+0.09%
net assets
Total assets minus all liabilities
glamorgan 1:1 financial limited company details
company number
07163802
Type
Private limited with Share Capital
industry
65300 - Pension funding
incorporation date
February 2010
age
15
incorporated
UK
ultimate parent company
accounts
Total Exemption Full
last accounts submitted
March 2024
previous names
N/A
accountant
-
auditor
-
address
apollo business village, heol persondy, bridgend, CF32 9RF
Bank
-
Legal Advisor
-
glamorgan 1:1 financial limited 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 glamorgan 1:1 financial limited.
glamorgan 1:1 financial limited 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 GLAMORGAN 1:1 FINANCIAL LIMITED. This can take several minutes, an email will notify you when this has completed.
glamorgan 1:1 financial limited Companies House Filings - See Documents
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