b & c financial planning ltd
b & c financial planning ltd Company Information
Company Number
07337464
Next Accounts
Aug 2025
Shareholders
wisteria bidco limited
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
ambition house 3 oakwood road, lincoln, LN6 3LH
Website
-b & c financial planning ltd Estimated Valuation
Pomanda estimates the enterprise value of B & C FINANCIAL PLANNING LTD at £38.6k based on a Turnover of £31.7k and 1.22x industry multiple (adjusted for size and gross margin).
b & c financial planning ltd Estimated Valuation
Pomanda estimates the enterprise value of B & C FINANCIAL PLANNING LTD at £0 based on an EBITDA of £-123.2k and a 4.21x industry multiple (adjusted for size and gross margin).
b & c financial planning ltd Estimated Valuation
Pomanda estimates the enterprise value of B & C FINANCIAL PLANNING LTD at £0 based on Net Assets of £-948 and 1.31x industry multiple (adjusted for liquidity).
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B & C Financial Planning Ltd Overview
B & C Financial Planning Ltd is a live company located in lincoln, LN6 3LH with a Companies House number of 07337464. It operates in the financial intermediation not elsewhere classified sector, SIC Code 64999. Founded in August 2010, it's largest shareholder is wisteria bidco limited with a 100% stake. B & C Financial Planning Ltd is a established, micro sized company, Pomanda has estimated its turnover at £31.7k with declining growth in recent years.
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B & C Financial Planning Ltd Health Check
Pomanda's financial health check has awarded B & C Financial Planning Ltd a 1 rating. We use a traffic light system to show it exceeds the industry average on 0 measures and has 8 areas for improvement. Company Health Check FAQs
0 Strong
3 Regular
8 Weak
Size
annual sales of £31.7k, make it smaller than the average company (£4.8m)
- B & C Financial Planning Ltd
£4.8m - Industry AVG
Growth
3 year (CAGR) sales growth of -45%, show it is growing at a slower rate (4%)
- B & C Financial Planning Ltd
4% - Industry AVG
Production
with a gross margin of 57.7%, this company has a comparable cost of product (57.7%)
- B & C Financial Planning Ltd
57.7% - Industry AVG
Profitability
an operating margin of -388.8% make it less profitable than the average company (9.5%)
- B & C Financial Planning Ltd
9.5% - Industry AVG
Employees
with 1 employees, this is below the industry average (13)
- B & C Financial Planning Ltd
13 - Industry AVG
Pay Structure
on an average salary of £78.6k, the company has an equivalent pay structure (£78.6k)
- B & C Financial Planning Ltd
£78.6k - Industry AVG
Efficiency
resulting in sales per employee of £31.7k, this is less efficient (£203.5k)
- B & C Financial Planning Ltd
£203.5k - Industry AVG
Debtor Days
it gets paid by customers after 44 days, this is later than average (33 days)
- B & C Financial Planning Ltd
33 days - Industry AVG
Creditor Days
its suppliers are paid after 8 days, this is quicker than average (48 days)
- B & C Financial Planning Ltd
48 days - Industry AVG
Stock Days
There is insufficient data available for this Key Performance Indicator!
- B & C Financial Planning Ltd
- - Industry AVG
Cash Balance
has cash to cover current liabilities for 34 weeks, this is average cash available to meet short term requirements (30 weeks)
34 weeks - B & C Financial Planning Ltd
30 weeks - Industry AVG
Debt Level
it has a ratio of liabilities to total assets of 102.2%, this is a higher level of debt than the average (69%)
102.2% - B & C Financial Planning Ltd
69% - Industry AVG
B & C FINANCIAL PLANNING LTD financials
B & C Financial Planning Ltd's latest turnover from November 2023 is estimated at £31.7 thousand and the company has net assets of -£948. According to their latest financial statements, we estimate that B & C Financial Planning Ltd has 1 employee and maintains cash reserves of £29.7 thousand as reported in the balance sheet.
Data source: Companies House, Pomanda Estimates
| Nov 2023 | Dec 2022 | Dec 2021 | Dec 2020 | Dec 2019 | Dec 2018 | Dec 2017 | Dec 2016 | Dec 2015 | Dec 2014 | Dec 2013 | Dec 2012 | Dec 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 | 3 | 1 | 1 | 1 | |||||||||
| EBITDA* |
* Earnings Before Interest, Tax, Depreciation and Amortisation
| Nov 2023 | Dec 2022 | Dec 2021 | Dec 2020 | Dec 2019 | Dec 2018 | Dec 2017 | Dec 2016 | Dec 2015 | Dec 2014 | Dec 2013 | Dec 2012 | Dec 2011 | |
|---|---|---|---|---|---|---|---|---|---|---|---|---|---|
| Tangible Assets | 86,083 | 48,463 | 61,236 | 8,218 | 9,222 | 8,861 | 10,909 | 1,184 | 1,111 | 1,389 | 871 | ||
| Intangible Assets | |||||||||||||
| Investments & Other | |||||||||||||
| Debtors (Due After 1 year) | |||||||||||||
| Total Fixed Assets | 86,083 | 48,463 | 61,236 | 8,218 | 9,222 | 8,861 | 10,909 | 1,184 | 1,111 | 1,389 | 871 | ||
| Stock & work in progress | |||||||||||||
| Trade Debtors | 3,849 | 7,665 | 13,920 | 17,398 | 12,348 | 5,890 | 6,565 | 20,230 | 15,882 | 31,773 | 23,129 | 12,345 | 16,912 |
| Group Debtors | |||||||||||||
| Misc Debtors | 10,000 | 68,020 | 5,185 | 185 | 15,982 | 62,175 | 58,137 | 13,591 | 11,721 | 10,925 | |||
| Cash | 29,723 | 96,041 | 88,206 | 106,391 | 60,386 | 64,794 | 42,450 | 33,701 | 28,183 | 23,570 | 11,731 | 11,152 | 19,379 |
| misc current assets | |||||||||||||
| total current assets | 43,572 | 171,726 | 107,311 | 123,974 | 88,716 | 132,859 | 107,152 | 67,522 | 44,065 | 55,343 | 46,581 | 34,422 | 36,291 |
| total assets | 43,572 | 171,726 | 193,394 | 172,437 | 149,952 | 141,077 | 116,374 | 76,383 | 54,974 | 56,527 | 47,692 | 35,811 | 37,162 |
| Bank overdraft | |||||||||||||
| Bank loan | |||||||||||||
| Trade Creditors | 325 | 3,080 | 114 | 570 | 12,714 | 17,709 | 16,926 | 16,367 | 21,183 | ||||
| Group/Directors Accounts | |||||||||||||
| other short term finances | 6,737 | 6,737 | |||||||||||
| hp & lease commitments | 6,736 | ||||||||||||
| other current liabilities | 44,195 | 49,691 | 34,854 | 22,879 | 6,559 | 18,921 | 22,788 | 20,417 | |||||
| total current liabilities | 44,520 | 52,771 | 41,704 | 29,616 | 13,296 | 18,921 | 23,358 | 20,417 | 12,714 | 17,709 | 16,926 | 16,367 | 21,183 |
| loans | 35,000 | ||||||||||||
| hp & lease commitments | 39,755 | 46,491 | 53,228 | ||||||||||
| Accruals and Deferred Income | |||||||||||||
| other liabilities | |||||||||||||
| provisions | 7,016 | 9,208 | 11,634 | 1,561 | 1,844 | 1,772 | 2,182 | 237 | 222 | 278 | 174 | ||
| total long term liabilities | 46,771 | 90,699 | 64,862 | 1,561 | 1,844 | 1,772 | 2,182 | 237 | 222 | 278 | 174 | ||
| total liabilities | 44,520 | 52,771 | 88,475 | 120,315 | 78,158 | 20,482 | 25,202 | 22,189 | 14,896 | 17,946 | 17,148 | 16,645 | 21,357 |
| net assets | -948 | 118,955 | 104,919 | 52,122 | 71,794 | 120,595 | 91,172 | 54,194 | 40,078 | 38,581 | 30,544 | 19,166 | 15,805 |
| total shareholders funds | -948 | 118,955 | 104,919 | 52,122 | 71,794 | 120,595 | 91,172 | 54,194 | 40,078 | 38,581 | 30,544 | 19,166 | 15,805 |
| Nov 2023 | Dec 2022 | Dec 2021 | Dec 2020 | Dec 2019 | Dec 2018 | Dec 2017 | Dec 2016 | Dec 2015 | Dec 2014 | Dec 2013 | Dec 2012 | Dec 2011 | |
|---|---|---|---|---|---|---|---|---|---|---|---|---|---|
| Operating Activities | |||||||||||||
| Operating Profit | |||||||||||||
| Depreciation | 9,193 | 17,176 | 15,424 | 19,721 | 2,054 | 2,306 | 2,215 | 2,727 | 296 | 278 | 347 | 218 | |
| Amortisation | |||||||||||||
| Tax | |||||||||||||
| Stock | |||||||||||||
| Debtors | -61,836 | 56,580 | 1,522 | -10,747 | -39,735 | 3,363 | 30,881 | 17,939 | -15,891 | -3,077 | 11,580 | 6,358 | 16,912 |
| Creditors | -2,755 | 2,966 | 114 | -570 | 570 | -12,714 | -4,995 | 783 | 559 | -4,816 | 21,183 | ||
| Accruals and Deferred Income | -5,496 | 14,837 | 11,975 | 16,320 | -12,362 | -3,867 | 2,371 | 20,417 | |||||
| Deferred Taxes & Provisions | -7,016 | -2,192 | -2,426 | 10,073 | -283 | 72 | -410 | 1,945 | 15 | -56 | 104 | 174 | |
| 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 | -6,737 | 6,737 | |||||||||||
| Long term loans | -35,000 | 35,000 | |||||||||||
| Hire Purchase and Lease Commitments | -46,491 | -6,737 | 53,228 | ||||||||||
| other long term liabilities | |||||||||||||
| share issue | |||||||||||||
| interest | |||||||||||||
| cash flow from financing | |||||||||||||
| cash and cash equivalents | |||||||||||||
| cash | -66,318 | 7,835 | -18,185 | 46,005 | -4,408 | 22,344 | 8,749 | 5,518 | 4,613 | 11,839 | 579 | -8,227 | 19,379 |
| overdraft | |||||||||||||
| change in cash | -66,318 | 7,835 | -18,185 | 46,005 | -4,408 | 22,344 | 8,749 | 5,518 | 4,613 | 11,839 | 579 | -8,227 | 19,379 |
b & c financial planning ltd Credit Report and Business Information
B & C Financial Planning Ltd Competitor Analysis
Perform a competitor analysis for b & c financial planning ltd by selecting its closest rivals, whether from the FINANCIAL AND INSURANCE ACTIVITIES sector, other micro companies, companies in LN6 area or any other competitors across 12 key performance metrics.
b & c financial planning ltd Ownership
B & C FINANCIAL PLANNING LTD group structure
B & C Financial Planning Ltd has no subsidiary companies.
Ultimate parent company
DAFFODIL BIDCO LTD
#0119732
2 parents
B & C FINANCIAL PLANNING LTD
07337464
b & c financial planning ltd directors
B & C Financial Planning Ltd currently has 2 directors. The longest serving directors include Mrs Tracey Underwood (Nov 2023) and Ashley Brooks (Nov 2023).
| officer | country | age | start | end | role |
|---|---|---|---|---|---|
| Mrs Tracey Underwood | England | 50 years | Nov 2023 | - | Director |
| Ashley Brooks | England | 56 years | Nov 2023 | - | Director |
P&L
November 2023turnover
31.7k
-50%
operating profit
-123.2k
0%
gross margin
57.7%
+2.96%
turnover
Turnover, or revenue, is the amount of sales generated by a company within the financial year.
Balance Sheet
November 2023net assets
-948
-1.01%
total assets
43.6k
-0.75%
cash
29.7k
-0.69%
net assets
Total assets minus all liabilities
b & c financial planning ltd company details
company number
07337464
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
August 2010
age
15
incorporated
UK
ultimate parent company
accounts
Total Exemption Full
last accounts submitted
November 2023
previous names
N/A
accountant
ATKINSON SAUL FAIRHOLM LIMITED
auditor
-
address
ambition house 3 oakwood road, lincoln, LN6 3LH
Bank
YORKSHIRE BANK PLC
Legal Advisor
-
b & c financial planning 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 b & c financial planning ltd.
b & c financial planning 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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b & c financial planning ltd Companies House Filings - See Documents
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