Armstrong Watson Financial Planning Ltd

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armstrong watson financial planning ltd Company Information

Company Number

07208672

Next Accounts

Dec 2025

Directors

Paul Dickson

David Squire

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Shareholders

richard andrew

michael christian kienlen

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Group Structure

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Industry

Activities of insurance agents and brokers

Registered Address

james watson house, montgomery way, carlisle, cumbria, CA1 2UU

Website

www.armstrongwatson.co.uk

armstrong watson financial planning ltd Estimated Valuation

£4.2m

Pomanda estimates the enterprise value of ARMSTRONG WATSON FINANCIAL PLANNING LTD at £4.2m based on a Turnover of £4m and 1.06x industry multiple (adjusted for size and gross margin).

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Armstrong Watson Financial Planning Ltd is a live company located in carlisle, CA1 2UU with a Companies House number of 07208672. It operates in the activities of insurance agents and brokers sector, SIC Code 66220. Founded in March 2010, it's largest shareholder is richard andrew with a 10% stake. Armstrong Watson Financial Planning Ltd is a established, small sized company, Pomanda has estimated its turnover at £4m with healthy growth in recent years.

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Pomanda's financial health check has awarded Armstrong Watson Financial Planning Ltd a 5 rating. We use a traffic light system to show it exceeds the industry average on 7 measures and has 2 areas for improvement. Company Health Check FAQs

Health Rating5out of 5

7 Strong

2 Regular

2 Weak

Size

annual sales of £4m, make it larger than the average company (£2.3m)

Growth

3 year (CAGR) sales growth of 9%, show it is growing at a faster rate (6.7%)

EXPORT

Armstrong Watson Financial Planning Ltd's latest turnover from March 2024 is estimated at £4 million and the company has net assets of £1.1 million. According to their latest financial statements, Armstrong Watson Financial Planning Ltd has 54 employees and maintains cash reserves of £489.7 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
Turnover	3,953,364	3,334,636	2,977,137	3,068,843	2,859,386	2,883,731	2,890,116	2,982,559	2,640,188	900,463	706,674	589,041	904,544
Other Income Or Grants	0	0	0	0	0	0	0	0	0	0	0	0	0
Cost Of Sales	132,892	106,831	166,537	374,957	362,416	378,914	337,980	444,488	489,599	211,856	186,104	189,368	231,091
Gross Profit	3,820,473	3,227,805	2,810,600	2,693,885	2,496,970	2,504,816	2,552,135	2,538,070	2,150,589	688,607	520,570	399,673	673,453
Admin Expenses	3,850,359	3,186,084	2,857,496	2,526,242	3,627,842	2,400,002	2,343,736	2,425,471	2,743,037	-290,239	-555,733	-156,725	432,823
Operating Profit	-29,886	41,721	-46,896	167,643	-1,130,872	104,814	208,399	112,599	-592,448	978,846	1,076,303	556,398	240,630
Interest Payable	0	0	0	0	0	0	0	0	0	0	0	0	0
Interest Receivable	24,957	19,181	3,176	389	379	3,054	1,902	696	584	44	55	33	3
Pre-Tax Profit	-4,929	60,902	-43,720	168,032	-1,130,493	107,868	210,301	113,295	-591,864	978,890	1,076,358	556,432	240,632
Tax	0	-11,571	0	-31,926	0	-20,495	-39,957	-22,659	0	-205,567	-247,562	-133,544	-62,564
Profit After Tax	-4,929	49,331	-43,720	136,106	-1,130,493	87,373	170,344	90,636	-591,864	773,323	828,796	422,888	178,068
Dividends Paid	0	0	0	0	0	0	0	0	0	0	0	0	0
Retained Profit	-4,929	49,331	-43,720	136,106	-1,130,493	87,373	170,344	90,636	-591,864	773,323	828,796	422,888	178,068
Employee Costs	2,892,900	2,385,250	1,988,278	2,038,412	1,911,976	1,974,871	1,954,491	1,907,609	1,870,238	461,218	361,189	276,826	431,516
Number Of Employees	54	49	41	41	42	45	45	44	44	11	9	7	11
EBITDA*	40,676	62,235	-33,727	167,643	-1,130,872	104,814	219,971	174,587	-530,459	1,040,835	1,135,019	604,318	256,399

* 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
Tangible Assets	0	0	0	0	0	0	0	0	0	0	0	0	0
Intangible Assets	438,685	148,389	208,891	0	0	0	0	11,572	73,560	135,549	187,539	250,054	84,980
Investments & Other	0	0	0	0	0	0	0	0	0	239,662	77,914	19,705	0
Debtors (Due After 1 year)	0	0	0	0	0	0	0	0	0	0	0	0	0
Total Fixed Assets	438,685	148,389	208,891	0	0	0	0	11,572	73,560	375,211	265,453	269,759	84,980
Stock & work in progress	0	0	0	0	0	0	0	0	0	0	0	0	0
Trade Debtors	112,571	143,729	217,994	214,237	206,005	179,262	209,411	216,866	192,131	210,679	185,910	143,836	227,083
Group Debtors	0	0	0	0	0	0	0	0	0	0	0	0	0
Misc Debtors	5,520	47,923	660	0	10,000	0	0	0	0	0	0	0	0
Cash	489,663	461,073	441,572	405,287	373,191	384,758	429,748	330,969	225,831	7,817	9,803	12,297	1,099
misc current assets	662,171	854,299	943,021	908,664	672,818	1,816,237	1,710,330	1,580,956	1,528,314	2,118,246	1,571,303	777,513	307,670
total current assets	1,269,925	1,507,024	1,603,247	1,528,188	1,262,014	2,380,257	2,349,489	2,128,791	1,946,276	2,336,742	1,767,016	933,646	535,852
total assets	1,708,610	1,655,413	1,812,138	1,528,188	1,262,014	2,380,257	2,349,489	2,140,363	2,019,836	2,711,953	2,032,469	1,203,405	620,832
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	283,711	125,459	238,704	0	5,998	595	452	0	712	428,878	530,717	530,449	370,764
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	363,040	463,166	555,977	471,011	334,945	340,098	396,846	358,516	327,913	0	0	0	0
total current liabilities	646,751	588,625	794,681	471,011	340,943	340,693	397,298	358,516	328,625	428,878	530,717	530,449	370,764
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	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
provisions	0	0	0	0	0	0	0	0	0	0	0	0	0
total long term liabilities	0	0	0	0	0	0	0	0	0	0	0	0	0
total liabilities	646,751	588,625	794,681	471,011	340,943	340,693	397,298	358,516	328,625	428,878	530,717	530,449	370,764
net assets	1,061,859	1,066,788	1,017,457	1,057,177	921,071	2,039,564	1,952,191	1,781,847	1,691,211	2,283,075	1,501,752	672,956	250,068
total shareholders funds	1,061,859	1,066,788	1,017,457	1,057,177	921,071	2,039,564	1,952,191	1,781,847	1,691,211	2,283,075	1,501,752	672,956	250,068

	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	-29,886	41,721	-46,896	167,643	-1,130,872	104,814	208,399	112,599	-592,448	978,846	1,076,303	556,398	240,630	0
Depreciation	0	0	0	0	0	0	0	0	0	0	0	0	15,769	0
Amortisation	70,562	20,514	13,169	0	0	0	11,572	61,988	61,989	61,989	58,716	47,920	0	0
Tax	0	-11,571	0	-31,926	0	-20,495	-39,957	-22,659	0	-205,567	-247,562	-133,544	-62,564	0
Stock	0	0	0	0	0	0	0	0	0	0	0	0	0	0
Debtors	-73,561	-27,002	4,417	-1,768	36,743	-30,149	-7,455	24,735	-18,548	24,769	42,074	-83,247	227,083	0
Creditors	158,252	-113,245	238,704	-5,998	5,403	143	452	-712	-428,166	-101,839	268	159,685	370,764	0
Accruals and Deferred Income	-100,126	-92,811	84,966	136,066	-5,153	-56,748	38,330	30,603	327,913	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	172,363	-128,390	285,526	267,553	-1,167,365	57,863	226,251	157,084	-612,164	708,660	845,651	713,706	337,516	0
Investing Activities
capital expenditure	-360,858	39,988	-222,060	0	0	0	0	0	0	-9,999	3,799	-212,994	-100,749	0
Change in Investments	0	0	0	0	0	0	0	0	-239,662	161,748	58,209	19,705	0	0
cash flow from investments	-360,858	39,988	-222,060	0	0	0	0	0	239,662	-171,747	-54,410	-232,699	-100,749	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	0	0	0	0	0	0	0	0	0	0	0	0
share issue	0	0	4,000	0	12,000	0	0	0	0	8,000	0	0	72,000	0
interest	24,957	19,181	3,176	389	379	3,054	1,902	696	584	44	55	33	3	0
cash flow from financing	24,957	19,181	7,176	389	12,379	3,054	1,902	696	584	8,044	55	33	72,003	0
cash and cash equivalents
cash	28,590	19,501	36,285	32,096	-11,567	-44,990	98,779	105,138	218,014	-1,986	-2,494	11,198	1,099	0
overdraft	0	0	0	0	0	0	0	0	0	0	0	0	0	0
change in cash	28,590	19,501	36,285	32,096	-11,567	-44,990	98,779	105,138	218,014	-1,986	-2,494	11,198	1,099	0

Very Low Risk70 - 100

Low Risk50 - 70

Moderate Risk30 - 50

High Risk20 - 30

Very High Risk0 - 20

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ARMSTRONG WATSON FINANCIAL PLANNING LTD group structure

Armstrong Watson Financial Planning Ltd has no subsidiary companies.

Ultimate parent company

ARMSTRONG WATSON FINANCIAL PLANNING LTD

07208672

ARMSTRONG WATSON FINANCIAL PLANNING LTD Shareholders

richard andrew	10%
michael christian kienlen	10%
matthew osbourne	10%
joanna gray	10%
andrew poole	10%
paul alan dickson	10%
andrew craig robinson	10%
daryl warwick	10%
david threlkeld	10%
douglas mackenzie russell	10%

Armstrong Watson Financial Planning Ltd currently has 5 directors. The longest serving directors include Mr Paul Dickson (Mar 2010) and Mr David Squire (Sep 2011).

officer	country	age	start	end	role
Mr Paul Dickson	United Kingdom	53 years	Mar 2010	-	Director
Mr David Squire	England	55 years	Sep 2011	-	Director
Mr Mark Frier	United Kingdom	54 years	Mar 2023	-	Director
Mr Justin Rourke	United Kingdom	43 years	Mar 2023	-	Director
Mr Stewart Crockett	United Kingdom	56 years	Aug 2023	-	Director

P&L

March 2024

turnover

+19%

operating profit

-29.9k

gross margin

96.7%

-0.16%

turnover

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

Balance Sheet

March 2024

net assets

1.1m

total assets

1.7m

+0.03%

cash

489.7k

+0.06%

net assets

Total assets minus all liabilities

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company number

07208672

Type

Private limited with Share Capital

industry

66220 - Activities of insurance agents and brokers

incorporation date

March 2010

ultimate parent company

None

previous names

N/A

address

james watson house, montgomery way, carlisle, cumbria, CA1 2UU

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 found 3 charges/mortgages relating to armstrong watson financial planning ltd. Currently there are 2 open charges and 1 have been satisfied in the past.

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armstrong watson financial planning ltd Company Information

armstrong watson financial planning ltd Estimated Valuation

armstrong watson financial planning ltd Estimated Valuation

armstrong watson financial planning ltd Estimated Valuation

Armstrong Watson Financial Planning Ltd Overview

Armstrong Watson Financial Planning Ltd Health Check

ARMSTRONG WATSON FINANCIAL PLANNING LTD financials

armstrong watson financial planning ltd Credit Report and Business Information

Armstrong Watson Financial Planning Ltd Competitor Analysis

armstrong watson financial planning ltd Ownership

armstrong watson financial planning ltd directors

armstrong watson financial planning ltd company details

armstrong watson financial planning ltd Charges & Mortgages

armstrong watson financial planning ltd Capital Raised & Share Issues BETA

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