iam financial services ltd
iam financial services ltd Company Information
Company Number
07427216
Website
www.iamfinancial.co.ukRegistered Address
westgate house, 2 union road east, abergavenny, gwent, NP7 5UW
Industry
Other activities auxiliary to financial services, except insurance and pension funding
Telephone
01873854488
Next Accounts Due
August 2025
Group Structure
View All
Directors
Grant Pendleton13 Years
Shareholders
grant robert pendleton 100%
iam financial services ltd Estimated Valuation
Pomanda estimates the enterprise value of IAM FINANCIAL SERVICES LTD at £278.8k based on a Turnover of £415.3k and 0.67x industry multiple (adjusted for size and gross margin).
iam financial services ltd Estimated Valuation
Pomanda estimates the enterprise value of IAM FINANCIAL SERVICES LTD at £418.8k based on an EBITDA of £113.5k and a 3.69x industry multiple (adjusted for size and gross margin).
iam financial services ltd Estimated Valuation
Pomanda estimates the enterprise value of IAM FINANCIAL SERVICES LTD at £2.4m based on Net Assets of £978.7k and 2.44x industry multiple (adjusted for liquidity).
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Iam Financial Services Ltd Overview
Iam Financial Services Ltd is a live company located in abergavenny, NP7 5UW with a Companies House number of 07427216. It operates in the activities auxiliary to financial intermediation n.e.c. sector, SIC Code 66190. Founded in November 2010, it's largest shareholder is grant robert pendleton with a 100% stake. Iam Financial Services Ltd is a established, micro sized company, Pomanda has estimated its turnover at £415.3k with declining growth in recent years.
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Iam Financial Services Ltd Health Check
Pomanda's financial health check has awarded Iam Financial Services Ltd a 4 rating. We use a traffic light system to show it exceeds the industry average on 4 measures and has 5 areas for improvement. Company Health Check FAQs
4 Strong
1 Regular
5 Weak
Size
annual sales of £415.3k, make it smaller than the average company (£3.3m)
- Iam Financial Services Ltd
£3.3m - Industry AVG
Growth
3 year (CAGR) sales growth of -17%, show it is growing at a slower rate (6.1%)
- Iam Financial Services Ltd
6.1% - Industry AVG
Production
with a gross margin of 47.6%, this company has a higher cost of product (85.2%)
- Iam Financial Services Ltd
85.2% - Industry AVG
Profitability
an operating margin of 27.3% make it more profitable than the average company (9.9%)
- Iam Financial Services Ltd
9.9% - Industry AVG
Employees
with 1 employees, this is below the industry average (15)
1 - Iam Financial Services Ltd
15 - Industry AVG
Pay Structure
on an average salary of £76.8k, the company has an equivalent pay structure (£76.8k)
- Iam Financial Services Ltd
£76.8k - Industry AVG
Efficiency
resulting in sales per employee of £415.3k, this is more efficient (£193.3k)
- Iam Financial Services Ltd
£193.3k - Industry AVG
Debtor Days
it gets paid by customers after 144 days, this is later than average (32 days)
- Iam Financial Services Ltd
32 days - Industry AVG
Creditor Days
its suppliers are paid after 114 days, this is slower than average (26 days)
- Iam Financial Services Ltd
26 days - Industry AVG
Stock Days
There is insufficient data available for this Key Performance Indicator!
- Iam Financial Services Ltd
- - Industry AVG
Cash Balance
There is insufficient data available for this Key Performance Indicator!
- - Iam Financial Services Ltd
- - Industry AVG
Debt Level
it has a ratio of liabilities to total assets of 6.5%, this is a lower level of debt than the average (43%)
6.5% - Iam Financial Services Ltd
43% - Industry AVG
IAM FINANCIAL SERVICES LTD financials
Iam Financial Services Ltd's latest turnover from November 2023 is estimated at £415.3 thousand and the company has net assets of £978.7 thousand. According to their latest financial statements, Iam Financial Services Ltd has 1 employee and maintains cash reserves of 0 as reported in the balance sheet.
Data source: Companies House, Pomanda Estimates
| Nov 2023 | Nov 2022 | Nov 2021 | Nov 2020 | Nov 2019 | Nov 2018 | Nov 2017 | Nov 2016 | Nov 2015 | Nov 2014 | Nov 2013 | Nov 2012 | Nov 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 | 1 | 1 | 1 | 1 | 1 | 1 | |||||||
| EBITDA* |
* Earnings Before Interest, Tax, Depreciation and Amortisation
| Nov 2023 | Nov 2022 | Nov 2021 | Nov 2020 | Nov 2019 | Nov 2018 | Nov 2017 | Nov 2016 | Nov 2015 | Nov 2014 | Nov 2013 | Nov 2012 | Nov 2011 | |
|---|---|---|---|---|---|---|---|---|---|---|---|---|---|
| Tangible Assets | 882,618 | 752,282 | 670,261 | 277,345 | 283,613 | 273,756 | 273,443 | 249,394 | 20,825 | 808 | 1,617 | 0 | 0 |
| Intangible Assets | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 22,361 |
| 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 | 882,618 | 752,282 | 670,261 | 277,345 | 283,613 | 273,756 | 273,443 | 249,394 | 20,825 | 808 | 1,617 | 0 | 22,361 |
| Stock & work in progress | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 |
| Trade Debtors | 164,410 | 226,710 | 199,151 | 425,386 | 268,494 | 145,015 | 16,089 | 9,841 | 365 | 620 | 620 | 300 | 669 |
| Group Debtors | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 |
| Misc Debtors | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 |
| Cash | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 78,662 | 75,298 | 85,621 | 59,738 | 48,936 | 28,507 |
| misc current assets | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 |
| total current assets | 164,410 | 226,710 | 199,151 | 425,386 | 268,494 | 145,015 | 16,089 | 88,503 | 75,663 | 86,241 | 60,358 | 49,236 | 29,176 |
| total assets | 1,047,028 | 978,992 | 869,412 | 702,731 | 552,107 | 418,771 | 289,532 | 337,897 | 96,488 | 87,049 | 61,975 | 49,236 | 51,537 |
| 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 | 68,311 | 85,429 | 107,565 | 46,506 | 46,146 | 55,795 | 40,851 | 44,664 | 29,102 | 23,909 | 12,459 | 16,024 | 35,768 |
| 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 | 68,311 | 85,429 | 107,565 | 46,506 | 46,146 | 55,795 | 40,851 | 44,664 | 29,102 | 23,909 | 12,459 | 16,024 | 35,768 |
| 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 | 1,500 | 0 | 0 | 0 | 0 | 0 | 0 |
| other liabilities | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 150,000 | 0 | 0 | 0 | 0 | 2,430 |
| provisions | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 |
| total long term liabilities | 0 | 0 | 0 | 0 | 0 | 0 | 1,500 | 150,000 | 0 | 0 | 0 | 0 | 2,430 |
| total liabilities | 68,311 | 85,429 | 107,565 | 46,506 | 46,146 | 55,795 | 42,351 | 194,664 | 29,102 | 23,909 | 12,459 | 16,024 | 38,198 |
| net assets | 978,717 | 893,563 | 761,847 | 656,225 | 505,961 | 362,976 | 247,181 | 143,233 | 67,386 | 63,140 | 49,516 | 33,212 | 13,339 |
| total shareholders funds | 978,717 | 893,563 | 761,847 | 656,225 | 505,961 | 362,976 | 247,181 | 143,233 | 67,386 | 63,140 | 49,516 | 33,212 | 13,339 |
| Nov 2023 | Nov 2022 | Nov 2021 | Nov 2020 | Nov 2019 | Nov 2018 | Nov 2017 | Nov 2016 | Nov 2015 | Nov 2014 | Nov 2013 | Nov 2012 | Nov 2011 | |
|---|---|---|---|---|---|---|---|---|---|---|---|---|---|
| Operating Activities | |||||||||||||
| Operating Profit | |||||||||||||
| Depreciation | 6,393 | 6,130 | 809 | 809 | 0 | 0 | |||||||
| Amortisation | 0 | 0 | 0 | 37,500 | 22,361 | 12,639 | |||||||
| Tax | |||||||||||||
| Stock | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 |
| Debtors | -62,300 | 27,559 | -226,235 | 156,892 | 123,479 | 128,926 | 6,248 | 9,476 | -255 | 0 | 320 | -369 | 669 |
| Creditors | -17,118 | -22,136 | 61,059 | 360 | -9,649 | 14,944 | -3,813 | 15,562 | 5,193 | 11,450 | -3,565 | -19,744 | 35,768 |
| Accruals and Deferred Income | 0 | 0 | 0 | 0 | 0 | -1,500 | 1,500 | 0 | 0 | 0 | 0 | 0 | 0 |
| Deferred Taxes & Provisions | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 |
| Cash flow from operations | |||||||||||||
| Investing Activities | |||||||||||||
| capital expenditure | |||||||||||||
| Change in Investments | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 |
| cash flow from investments | |||||||||||||
| Financing Activities | |||||||||||||
| Bank loans | 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 |
| Other Short Term Loans | 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 |
| Hire Purchase and Lease Commitments | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 |
| other long term liabilities | 0 | 0 | 0 | 0 | 0 | 0 | -150,000 | 150,000 | 0 | 0 | 0 | -2,430 | 2,430 |
| share issue | |||||||||||||
| interest | |||||||||||||
| cash flow from financing | |||||||||||||
| cash and cash equivalents | |||||||||||||
| cash | 0 | 0 | 0 | 0 | 0 | 0 | -78,662 | 3,364 | -10,323 | 25,883 | 10,802 | 20,429 | 28,507 |
| overdraft | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 |
| change in cash | 0 | 0 | 0 | 0 | 0 | 0 | -78,662 | 3,364 | -10,323 | 25,883 | 10,802 | 20,429 | 28,507 |
iam financial services ltd Credit Report and Business Information
Iam Financial Services Ltd Competitor Analysis
Perform a competitor analysis for iam financial services ltd by selecting its closest rivals and benchmarking them against 12 key performance metrics.
iam financial services ltd Ownership
IAM FINANCIAL SERVICES LTD group structure
Iam Financial Services Ltd has no subsidiary companies.
Ultimate parent company
IAM FINANCIAL SERVICES LTD
07427216
iam financial services ltd directors
Iam Financial Services Ltd currently has 1 director, Mr Grant Pendleton serving since Nov 2010.
| officer | country | age | start | end | role |
|---|---|---|---|---|---|
| Mr Grant Pendleton | Wales | 49 years | Nov 2010 | - | Director |
P&L
November 2023turnover
415.3k
-17%
operating profit
113.5k
0%
gross margin
47.6%
+4.04%
turnover
Turnover, or revenue, is the amount of sales generated by a company within the financial year.
Balance Sheet
November 2023net assets
978.7k
+0.1%
total assets
1m
+0.07%
cash
0
0%
net assets
Total assets minus all liabilities
Similar Companies
iam financial services ltd company details
company number
07427216
Type
Private limited with Share Capital
industry
66190 - Other activities auxiliary to financial services, except insurance and pension funding
incorporation date
November 2010
age
14
accounts
Micro-Entity Accounts
ultimate parent company
previous names
g r pendleton financial services ltd (October 2012)
incorporated
UK
address
westgate house, 2 union road east, abergavenny, gwent, NP7 5UW
last accounts submitted
November 2023
iam financial services 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 iam financial services ltd.
iam financial services ltd Companies House Filings - See Documents
| date | description | view/download |
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