Time Financial Planning Limited

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time financial planning limited Company Information

Company Number

07187798

Next Accounts

Jul 2025

Directors

Timothy Embleton

Richard Dunbabin

Shareholders

chester rose limited

timothy john embleton

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

53 bartholomew street, newbury, RG14 5QA

Website

www.timefinancialplanning.co.uk

time financial planning limited Estimated Valuation

£155.9k

Pomanda estimates the enterprise value of TIME FINANCIAL PLANNING LIMITED at £155.9k based on a Turnover of £184.6k and 0.84x industry multiple (adjusted for size and gross margin).

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Time Financial Planning Limited is a live company located in newbury, RG14 5QA with a Companies House number of 07187798. It operates in the financial intermediation not elsewhere classified sector, SIC Code 64999. Founded in March 2010, it's largest shareholder is chester rose limited with a 90% stake. Time Financial Planning Limited is a established, micro sized company, Pomanda has estimated its turnover at £184.6k with declining growth in recent years.

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Pomanda's financial health check has awarded Time Financial Planning Limited a 1.5 rating. We use a traffic light system to show it exceeds the industry average on 1 measures and has 7 areas for improvement. Company Health Check FAQs

Health Rating1.5out of 5

1 Strong

1 Regular

7 Weak

Size

annual sales of £184.6k, make it smaller than the average company (£4.8m)

Growth

3 year (CAGR) sales growth of -33%, show it is growing at a slower rate (4%)

EXPORT

Time Financial Planning Limited's latest turnover from October 2023 is estimated at £184.6 thousand and the company has net assets of £36.1 thousand. According to their latest financial statements, Time Financial Planning Limited has 2 employees and maintains cash reserves of 0 as reported in the balance sheet.

Data source: Companies House, Pomanda Estimates

	Oct 2023	Oct 2022	Oct 2021	Mar 2021	Mar 2020	Mar 2019	Mar 2018	Mar 2017	Mar 2016	Mar 2015	Mar 2014	Mar 2013	Mar 2012
Turnover	184,616	387,720	339,188	492,758	621,501	462,868	430,437	246,574	13,124	25,698	27,566	15,816	6,377
Other Income Or Grants	0	0	0	0	0	0	0	0	0	0	0	0	0
Cost Of Sales	154,834	321,793	280,669	399,571	495,648	374,138	338,783	186,981	9,004	17,868	19,558	11,128	4,563
Gross Profit	29,783	65,927	58,519	93,186	125,852	88,731	91,654	59,593	4,121	7,829	8,008	4,688	1,814
Admin Expenses	63,883	63,685	164,104	124,601	30,363	77,401	51,185	34,883	55,064	-45,883	-27,228	-11,104	-108
Operating Profit	-34,100	2,242	-105,585	-31,415	95,489	11,330	40,469	24,710	-50,943	53,712	35,236	15,792	1,922
Interest Payable	0	0	0	0	0	0	0	0	0	0	0	0	0
Interest Receivable	0	2,096	93	0	0	0	0	77	424	435	220	70	14
Pre-Tax Profit	-34,100	4,338	-105,492	-31,415	95,489	11,330	40,469	24,786	-50,519	54,147	35,456	15,862	1,936
Tax	0	-824	0	0	-18,143	-2,153	-7,689	-4,957	0	-11,371	-8,155	-3,807	-503
Profit After Tax	-34,100	3,514	-105,492	-31,415	77,346	9,177	32,780	19,829	-50,519	42,776	27,301	12,055	1,433
Dividends Paid	0	0	0	0	0	0	0	0	0	0	0	0	0
Retained Profit	-34,100	3,514	-105,492	-31,415	77,346	9,177	32,780	19,829	-50,519	42,776	27,301	12,055	1,433
Employee Costs	156,080	146,916	348,791	410,694	416,391	409,408	65,965	62,822	60,927	58,400	59,288	57,646	56,044
Number Of Employees	2	2	5	6	6	6	1	1	1	1	1	1	1
EBITDA*	-34,100	4,214	-105,585	-31,415	95,489	11,330	40,469	24,710	-48,404	55,920	37,657	18,465	3,175

* Earnings Before Interest, Tax, Depreciation and Amortisation

	Oct 2023	Oct 2022	Oct 2021	Mar 2021	Mar 2020	Mar 2019	Mar 2018	Mar 2017	Mar 2016	Mar 2015	Mar 2014	Mar 2013	Mar 2012
Tangible Assets	0	6,100	17,024	24,959	13,709	7,914	8,854	12,384	8,735	9,751	9,010	9,788	3,963
Intangible Assets	0	0	0	0	0	0	0	0	0	0	0	0	0
Investments & Other	0	0	0	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
Total Fixed Assets	0	6,100	17,024	24,959	13,709	7,914	8,854	12,384	8,735	9,751	9,010	9,788	3,963
Stock & work in progress	0	0	0	0	0	0	0	0	0	0	0	0	0
Trade Debtors	41,000	211,400	83,645	157,172	224,715	133,387	142,418	84,487	2,000	0	0	0	0
Group Debtors	0	0	0	0	0	0	0	0	0	0	0	0	0
Misc Debtors	0	0	521	0	1,333	0	0	0	0	0	297	0	0
Cash	0	0	186,309	0	0	0	0	0	61,323	108,119	65,905	22,188	5,656
misc current assets	0	0	0	0	0	0	0	0	0	0	0	0	0
total current assets	41,000	211,400	270,475	157,172	226,048	133,387	142,418	84,487	63,323	108,119	66,202	22,188	5,656
total assets	41,000	217,500	287,499	182,131	239,757	141,301	151,272	96,871	72,058	117,870	75,212	31,976	9,619
Bank overdraft	0	0	0	0	0	0	0	0	0	0	0	0	0
Bank loan	0	0	0	0	0	0	0	0	0	0	0	0	0
Trade Creditors	0	81,000	47,659	41,368	67,035	46,469	65,617	43,996	38,812	34,105	34,223	18,288	7,986
Group/Directors Accounts	0	0	0	0	0	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
hp & lease commitments	0	0	0	0	0	0	0	0	0	0	0	0	0
other current liabilities	0	0	0	0	0	0	0	0	0	0	0	0	0
total current liabilities	0	81,000	47,659	41,368	67,035	46,469	65,617	43,996	38,812	34,105	34,223	18,288	7,986
loans	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
Accruals and Deferred Income	4,900	66,300	162,154	0	0	0	0	0	0	0	0	0	0
other liabilities	0	0	0	0	544	0	0	0	0	0	0	0	0
provisions	0	0	0	0	0	0	0	0	0	0	0	0	0
total long term liabilities	4,900	66,300	162,154	0	544	0	0	0	0	0	0	0	0
total liabilities	4,900	147,300	209,813	41,368	67,579	46,469	65,617	43,996	38,812	34,105	34,223	18,288	7,986
net assets	36,100	70,200	77,686	140,763	172,178	94,832	85,655	52,875	33,246	83,765	40,989	13,688	1,633
total shareholders funds	36,100	70,200	77,686	140,763	172,178	94,832	85,655	52,875	33,246	83,765	40,989	13,688	1,633

	Oct 2023	Oct 2022	Oct 2021	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	-34,100	2,242	-105,585	-31,415	95,489	11,330	40,469	24,710	-50,943	53,712	35,236	15,792	1,922	0
Depreciation	0	1,972	0	0	0	0	0	0	2,539	2,208	2,421	2,673	1,253	0
Amortisation	0	0	0	0	0	0	0	0	0	0	0	0	0	0
Tax	0	-824	0	0	-18,143	-2,153	-7,689	-4,957	0	-11,371	-8,155	-3,807	-503	0
Stock	0	0	0	0	0	0	0	0	0	0	0	0	0	0
Debtors	-170,400	127,234	-141,882	-68,876	92,661	-9,031	57,931	82,487	2,000	-297	297	0	0	0
Creditors	-81,000	33,341	-19,376	-25,667	20,566	-19,148	21,621	5,184	4,707	-118	15,935	10,302	7,986	0
Accruals and Deferred Income	-61,400	-95,854	162,154	0	0	0	0	0	0	0	0	0	0	0
Deferred Taxes & Provisions	0	0	0	0	0	0	0	0	0	0	0	0	0	0
Cash flow from operations	-6,100	-186,357	179,075	11,794	5,251	-940	-3,530	-57,550	-45,697	44,728	45,140	24,960	10,658	0
Investing Activities
capital expenditure	6,100	8,952	-3,315	-11,250	-5,795	940	3,530	-3,649	-1,523	-2,949	-1,643	-8,498	-5,216	0
Change in Investments	0	0	0	0	0	0	0	0	0	0	0	0	0	0
cash flow from investments	6,100	8,952	-3,315	-11,250	-5,795	940	3,530	-3,649	-1,523	-2,949	-1,643	-8,498	-5,216	0
Financing Activities
Bank loans	0	0	0	0	0	0	0	0	0	0	0	0	0	0
Group/Directors Accounts	0	0	0	0	0	0	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	0	0	0	0	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	-544	-544	544	0	0	0	0	0	0	0	0	0
share issue	0	-11,000	11,000	0	0	0	0	-200	0	0	0	0	200	0
interest	0	2,096	93	0	0	0	0	77	424	435	220	70	14	0
cash flow from financing	0	-8,904	10,549	-544	544	0	0	-123	424	435	220	70	214	0
cash and cash equivalents
cash	0	-186,309	186,309	0	0	0	0	-61,323	-46,796	42,214	43,717	16,532	5,656	0
overdraft	0	0	0	0	0	0	0	0	0	0	0	0	0	0
change in cash	0	-186,309	186,309	0	0	0	0	-61,323	-46,796	42,214	43,717	16,532	5,656	0

Very Low Risk70 - 100

Low Risk50 - 70

Moderate Risk30 - 50

High Risk20 - 30

Very High Risk0 - 20

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TIME FINANCIAL PLANNING LIMITED group structure

Time Financial Planning Limited has no subsidiary companies.

Ultimate parent company

CHESTER ROSE LTD

12546111

1 parent

TIME FINANCIAL PLANNING LIMITED

07187798

TIME FINANCIAL PLANNING LIMITED Shareholders

chester rose limited	90%
timothy john embleton	10%

Time Financial Planning Limited currently has 2 directors. The longest serving directors include Mr Timothy Embleton (Mar 2010) and Mr Richard Dunbabin (Oct 2021).

officer	country	age	start	end	role
Mr Timothy Embleton	England	57 years	Mar 2010	-	Director
Mr Richard Dunbabin	England	68 years	Oct 2021	-	Director

P&L

October 2023

turnover

184.6k

-52%

operating profit

-34.1k

gross margin

16.2%

-5.13%

turnover

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

Balance Sheet

October 2023

net assets

36.1k

-0.49%

total assets

41k

-0.81%

cash

net assets

Total assets minus all liabilities

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company number

07187798

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

March 2010

ultimate parent company

CHESTER ROSE LTD

previous names

time independent ltd (December 2015)

address

53 bartholomew street, newbury, RG14 5QA

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time financial planning limited Company Information

time financial planning limited Estimated Valuation

time financial planning limited Estimated Valuation

time financial planning limited Estimated Valuation

Time Financial Planning Limited Overview

Time Financial Planning Limited Health Check

TIME FINANCIAL PLANNING LIMITED financials

time financial planning limited Credit Report and Business Information

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