Access Personal Checking Services Ltd

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access personal checking services ltd Company Information

Live

EstablishedSmallLow

Company Number

07399692

Website

http://criminalrecordchecks.co.uk

Registered Address

enterprise house the courtyard, old court house road bromborough, wirral, merseyside, CH62 4UE

Industry

Other personal service activities n.e.c.

Telephone

08456431145

Next Accounts Due

January 2025

Group Structure

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Directors

Mark Gardner13 Years

Shareholders

mark jamie gardner 87.5%

sarah louise hardman-gardner 12.5%

access personal checking services ltd Estimated Valuation

£1.9m

Pomanda estimates the enterprise value of ACCESS PERSONAL CHECKING SERVICES LTD at £1.9m based on Net Assets of £643.5k and 2.99x industry multiple (adjusted for liquidity).

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Access Personal Checking Services Ltd AI Business Plan

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Access Personal Checking Services Ltd is a live company located in wirral, CH62 4UE with a Companies House number of 07399692. It operates in the other service activities n.e.c. sector, SIC Code 96090. Founded in October 2010, it's largest shareholder is mark jamie gardner with a 87.5% stake. Access Personal Checking Services Ltd is a established, small sized company, Pomanda has estimated its turnover at £2.2m with low growth in recent years.

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Pomanda's financial health check has awarded Access Personal Checking Services Ltd a 4.5 rating. We use a traffic light system to show it exceeds the industry average on 4 measures and has 4 areas for improvement. Company Health Check FAQs

Health Rating4.5out of 5

4 Strong

3 Regular

4 Weak

Size

annual sales of £2.2m, make it larger than the average company (£846k)

Growth

3 year (CAGR) sales growth of 2%, show it is growing at a slower rate (5.6%)

Very Low Risk70 - 100

Low Risk50 - 70

Moderate Risk30 - 50

High Risk20 - 30

Very High Risk0 - 20

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ACCESS PERSONAL CHECKING SERVICES LTD group structure

Access Personal Checking Services Ltd has no subsidiary companies.

Ultimate parent company

ACCESS PERSONAL CHECKING SERVICES LTD

07399692

ACCESS PERSONAL CHECKING SERVICES LTD Shareholders

mark jamie gardner	87.5%
sarah louise hardman-gardner	12.5%

Access Personal Checking Services Ltd currently has 1 director, Mr Mark Gardner serving since Oct 2010.

officer	country	age	start	end	role
Mr Mark Gardner	United Kingdom	46 years	Oct 2010	-	Director

EXPORT

Access Personal Checking Services Ltd's latest turnover from April 2023 is estimated at £2.2 million and the company has net assets of £643.5 thousand. According to their latest financial statements, Access Personal Checking Services Ltd has 10 employees and maintains cash reserves of £274.2 thousand as reported in the balance sheet.

Data source: Companies House, Pomanda Estimates

	Apr 2023	Apr 2022	Apr 2021	Apr 2020	Apr 2019	Apr 2018	Apr 2017	Apr 2016	Apr 2015	Apr 2014	Apr 2013	Oct 2011
Turnover	2,192,358	2,410,031	2,448,457	2,037,512	2,335,776	2,596,991	2,261,001	2,332,481	2,554,876	1,858,178	1,479,955	1,011,309
Other Income Or Grants	0	0	0	0	0	0	0	0	0	0	0	0
Cost Of Sales	1,296,303	1,429,765	1,492,653	1,228,241	1,399,352	1,584,460	1,334,183	1,357,249	1,510,405	1,106,044	840,274	578,866
Gross Profit	896,055	980,266	955,804	809,270	936,424	1,012,531	926,818	975,231	1,044,471	752,134	639,681	432,444
Admin Expenses	713,780	807,473	970,730	823,943	1,019,642	1,028,981	772,524	822,872	839,341	735,892	564,582	426,653
Operating Profit	182,275	172,793	-14,926	-14,673	-83,218	-16,450	154,294	152,359	205,130	16,242	75,099	5,791
Interest Payable	0	0	0	0	0	0	0	2,040	2,040	0	0	0
Interest Receivable	14,793	2,826	346	205	977	1,130	476	689	434	248	155	75
Pre-Tax Profit	197,068	175,619	-14,580	-14,468	-82,241	-15,320	154,770	151,009	203,524	16,490	75,253	5,866
Tax	-49,267	-33,368	0	0	0	0	-29,406	-30,202	-40,705	-3,463	-17,308	-1,525
Profit After Tax	147,801	142,251	-14,580	-14,468	-82,241	-15,320	125,364	120,807	162,819	13,027	57,945	4,341
Dividends Paid	0	0	0	0	0	0	0	0	0	0	0	0
Retained Profit	147,801	142,251	-14,580	-14,468	-82,241	-15,320	125,364	120,807	162,819	13,027	57,945	4,341
Employee Costs	300,416	315,758	302,100	290,220	293,288	384,667	297,357	240,423	875,279	632,130	523,540	358,720
Number Of Employees	10	11	11	11	11	15	12	9	33	24	20	14
EBITDA*	209,511	201,293	35,094	31,759	-33,062	37,062	213,132	220,076	252,787	54,300	116,022	15,049

* Earnings Before Interest, Tax, Depreciation and Amortisation

	Apr 2023	Apr 2022	Apr 2021	Apr 2020	Apr 2019	Apr 2018	Apr 2017	Apr 2016	Apr 2015	Apr 2014	Apr 2013	Oct 2011
Tangible Assets	81,708	85,492	96,959	68,887	85,822	101,662	123,414	155,821	89,869	61,932	23,955	2,855
Intangible Assets	0	0	0	17,700	35,400	53,100	70,800	88,500	106,200	123,900	141,600	168,150
Investments & Other	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
Total Fixed Assets	81,708	85,492	96,959	86,587	121,222	154,762	194,214	244,321	196,069	185,832	165,555	171,005
Stock & work in progress	0	0	0	0	0	0	0	0	0	0	0	0
Trade Debtors	315,908	392,173	356,234	247,179	361,383	394,764	359,399	367,306	295,015	206,540	158,312	80,398
Group Debtors	0	0	0	0	0	0	0	0	0	0	0	0
Misc Debtors	495,788	116,321	124,359	230,685	249,328	166,712	81,560	3,771	348	0	0	0
Cash	274,194	421,942	331,571	360,947	49,660	210,872	241,162	139,672	135,976	37,448	61,860	30,183
misc current assets	0	0	0	0	0	0	0	0	0	0	0	0
total current assets	1,085,890	930,436	812,164	838,811	660,371	772,348	682,121	510,749	431,339	243,988	220,172	110,581
total assets	1,167,598	1,015,928	909,123	925,398	781,593	927,110	876,335	755,070	627,408	429,820	385,727	281,586
Bank overdraft	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
Trade Creditors	286,865	312,825	381,206	439,008	303,302	315,213	272,203	269,682	220,858	180,260	167,306	277,141
Group/Directors Accounts	0	0	0	0	0	0	0	3,008	0	0	0	0
other short term finances	0	0	0	0	0	0	0	0	0	0	0	0
hp & lease commitments	4,892	4,892	4,892	0	0	0	0	0	0	0	0	0
other current liabilities	189,833	157,589	106,169	105,264	80,576	130,028	103,907	101,131	91,922	0	0	0
total current liabilities	481,590	475,306	492,267	544,272	383,878	445,241	376,110	373,821	312,780	180,260	167,306	277,141
loans	0	0	0	0	0	0	0	0	62,759	0	0	0
hp & lease commitments	30,982	35,874	40,359	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
other liabilities	0	0	0	0	0	0	0	0	0	166,098	155,581	0
provisions	11,517	9,040	23,040	13,089	15,210	17,123	20,159	26,547	17,974	12,386	4,791	0
total long term liabilities	42,499	44,914	63,399	13,089	15,210	17,123	20,159	26,547	80,733	178,484	160,372	0
total liabilities	524,089	520,220	555,666	557,361	399,088	462,364	396,269	400,368	393,513	358,744	327,678	277,141
net assets	643,509	495,708	353,457	368,037	382,505	464,746	480,066	354,702	233,895	71,076	58,049	4,445
total shareholders funds	643,509	495,708	353,457	368,037	382,505	464,746	480,066	354,702	233,895	71,076	58,049	4,445

	Apr 2023	Apr 2022	Apr 2021	Apr 2020	Apr 2019	Apr 2018	Apr 2017	Apr 2016	Apr 2015	Apr 2014	Apr 2013	Oct 2011
Operating Activities
Operating Profit	182,275	172,793	-14,926	-14,673	-83,218	-16,450	154,294	152,359	205,130	16,242	75,099	5,791
Depreciation	27,236	28,500	32,320	28,732	32,456	35,812	41,138	50,017	29,957	20,358	14,373	408
Amortisation	0	0	17,700	17,700	17,700	17,700	17,700	17,700	17,700	17,700	26,550	8,850
Tax	-49,267	-33,368	0	0	0	0	-29,406	-30,202	-40,705	-3,463	-17,308	-1,525
Stock	0	0	0	0	0	0	0	0	0	0	0	0
Debtors	303,202	27,901	2,729	-132,847	49,235	120,517	69,882	75,714	88,823	48,228	158,312	80,398
Creditors	-25,960	-68,381	-57,802	135,706	-11,911	43,010	2,521	48,824	40,598	12,954	167,306	277,141
Accruals and Deferred Income	32,244	51,420	905	24,688	-49,452	26,121	2,776	9,209	91,922	0	0	0
Deferred Taxes & Provisions	2,477	-14,000	9,951	-2,121	-1,913	-3,036	-6,388	8,573	5,588	7,595	4,791	0
Cash flow from operations	-134,197	109,063	-14,581	322,879	-145,573	-17,360	112,753	180,766	261,367	23,158	112,499	210,267
Investing Activities
capital expenditure	-23,452	-17,033	-60,392	-11,797	-16,616	-14,060	-8,731	-115,969	-57,894	-58,335	-206,478	-180,263
Change in Investments	0	0	0	0	0	0	0	0	0	0	0	0
cash flow from investments	-23,452	-17,033	-60,392	-11,797	-16,616	-14,060	-8,731	-115,969	-57,894	-58,335	-206,478	-180,263
Financing Activities
Bank loans	0	0	0	0	0	0	0	0	0	0	0	0
Group/Directors Accounts	0	0	0	0	0	0	-3,008	3,008	0	0	0	0
Other Short Term Loans	0	0	0	0	0	0	0	0	0	0	0	0
Long term loans	0	0	0	0	0	0	0	-62,759	62,759	0	0	0
Hire Purchase and Lease Commitments	-4,892	-4,485	45,251	0	0	0	0	0	0	0	0	0
other long term liabilities	0	0	0	0	0	0	0	0	-166,098	10,517	155,581	0
share issue	0	0	0	0	0	0	0	0	0	0	104	104
interest	14,793	2,826	346	205	977	1,130	476	-1,351	-1,606	248	155	75
cash flow from financing	9,901	-1,659	45,597	205	977	1,130	-2,532	-61,102	-104,945	10,765	155,840	179
cash and cash equivalents
cash	-147,748	90,371	-29,376	311,287	-161,212	-30,290	101,490	3,696	98,528	-24,412	61,860	30,183
overdraft	0	0	0	0	0	0	0	0	0	0	0	0
change in cash	-147,748	90,371	-29,376	311,287	-161,212	-30,290	101,490	3,696	98,528	-24,412	61,860	30,183

P&L

April 2023

turnover

2.2m

-9%

operating profit

182.3k

gross margin

40.9%

+0.49%

turnover

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

Balance Sheet

April 2023

net assets

643.5k

+0.3%

total assets

1.2m

+0.15%

cash

274.2k

-0.35%

net assets

Total assets minus all liabilities

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company number

07399692

Type

Private limited with Share Capital

industry

96090 - Other personal service activities n.e.c.

incorporation date

October 2010

age

accounts

Total Exemption Full

ultimate parent company

None

previous names

N/A

incorporated

address

enterprise house the courtyard, old court house road bromborough, wirral, merseyside, CH62 4UE

last accounts submitted

April 2023

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 access personal checking services ltd. Currently there are 2 open charges and 1 have been satisfied in the past.

access personal checking services ltd Company Information

access personal checking services ltd Estimated Valuation

access personal checking services ltd Estimated Valuation

access personal checking services ltd Estimated Valuation

Access Personal Checking Services Ltd AI Business Plan

Access Personal Checking Services Ltd Overview

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access personal checking services ltd Credit Report and Business Information

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access personal checking services ltd Ownership

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ACCESS PERSONAL CHECKING SERVICES LTD financials

access personal checking services ltd company details

access personal checking services ltd Charges & Mortgages

access personal checking services ltd Companies House Filings - See Documents