curtis banks group limited
curtis banks group limited Company Information
Company Number
07934492
Website
www.curtisbanks.co.ukRegistered Address
dunn's house st paul's road, salisbury, wiltshire, SP2 7BF
Industry
Activities of financial services holding companies
Telephone
01179107910
Next Accounts Due
September 2024
Group Structure
View All
Shareholders
christopher banks 64.3%
rupert curtis 11.8%
View Allcurtis banks group limited Estimated Valuation
Pomanda estimates the enterprise value of CURTIS BANKS GROUP LIMITED at £160.1m based on a Turnover of £68.1m and 2.35x industry multiple (adjusted for size and gross margin).
curtis banks group limited Estimated Valuation
Pomanda estimates the enterprise value of CURTIS BANKS GROUP LIMITED at £134.2m based on an EBITDA of £14.1m and a 9.52x industry multiple (adjusted for size and gross margin).
curtis banks group limited Estimated Valuation
Pomanda estimates the enterprise value of CURTIS BANKS GROUP LIMITED at £109.9m based on Net Assets of £69.4m and 1.58x industry multiple (adjusted for liquidity).
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Curtis Banks Group Limited Overview
Curtis Banks Group Limited is a live company located in wiltshire, SP2 7BF with a Companies House number of 07934492. It operates in the activities of financial services holding companies sector, SIC Code 64205. Founded in February 2012, it's largest shareholder is christopher banks with a 64.3% stake. Curtis Banks Group Limited is a established, large sized company, Pomanda has estimated its turnover at £68.1m with healthy growth in recent years.
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Curtis Banks Group Limited Health Check
Pomanda's financial health check has awarded Curtis Banks Group Limited a 4 rating. We use a traffic light system to show it exceeds the industry average on 6 measures and has 4 areas for improvement. Company Health Check FAQs
6 Strong
1 Regular
4 Weak
Size
annual sales of £68.1m, make it larger than the average company (£10.4m)
£68.1m - Curtis Banks Group Limited
£10.4m - Industry AVG
Growth
3 year (CAGR) sales growth of 12%, show it is growing at a faster rate (8.5%)
12% - Curtis Banks Group Limited
8.5% - Industry AVG
Production
with a gross margin of 77.6%, this company has a comparable cost of product (77.6%)
77.6% - Curtis Banks Group Limited
77.6% - Industry AVG
Profitability
an operating margin of -3.2% make it less profitable than the average company (11%)
-3.2% - Curtis Banks Group Limited
11% - Industry AVG
Employees
with 801 employees, this is above the industry average (63)
801 - Curtis Banks Group Limited
63 - Industry AVG
Pay Structure
on an average salary of £43.2k, the company has a lower pay structure (£81.8k)
£43.2k - Curtis Banks Group Limited
£81.8k - Industry AVG
Efficiency
resulting in sales per employee of £85k, this is less efficient (£213.6k)
£85k - Curtis Banks Group Limited
£213.6k - Industry AVG
Debtor Days
it gets paid by customers after 88 days, this is later than average (45 days)
88 days - Curtis Banks Group Limited
45 days - Industry AVG
Creditor Days
its suppliers are paid after 141 days, this is slower than average (51 days)
141 days - Curtis Banks Group Limited
51 days - Industry AVG
Stock Days
There is insufficient data available for this Key Performance Indicator!
- - Curtis Banks Group Limited
- - Industry AVG
Cash Balance
has cash to cover current liabilities for 211 weeks, this is more cash available to meet short term requirements (28 weeks)
211 weeks - Curtis Banks Group Limited
28 weeks - Industry AVG
Debt Level
it has a ratio of liabilities to total assets of 98.1%, this is a higher level of debt than the average (57.7%)
98.1% - Curtis Banks Group Limited
57.7% - Industry AVG
curtis banks group limited Credit Report and Business Information
Curtis Banks Group Limited Competitor Analysis
Perform a competitor analysis for curtis banks group limited by selecting its closest rivals and benchmarking them against 12 key performance metrics.
curtis banks group limited Ownership
CURTIS BANKS GROUP LIMITED group structure
Curtis Banks Group Limited has 7 subsidiary companies.
Ultimate parent company
CURTIS BANKS GROUP LIMITED
07934492
7 subsidiaries
curtis banks group limited directors
Curtis Banks Group Limited currently has 5 directors. The longest serving directors include Mr Alastair Clarkson (Dec 2022) and Mr Peter Docherty (Jan 2023).
| officer | country | age | start | end | role |
|---|---|---|---|---|---|
| Mr Alastair Clarkson | United Kingdom | 58 years | Dec 2022 | - | Director |
| Mr Peter Docherty | United Kingdom | 42 years | Jan 2023 | - | Director |
| Mr Richard Hoskins | United Kingdom | 59 years | Jun 2023 | - | Director |
| Mr Michael Regan | 45 years | Jan 2024 | - | Director | |
| Ms Cathryn Riley | 62 years | May 2024 | - | Director |
CURTIS BANKS GROUP LIMITED financials
Curtis Banks Group Limited's latest turnover from December 2022 is £68.1 million and the company has net assets of £69.4 million. According to their latest financial statements, Curtis Banks Group Limited has 801 employees and maintains cash reserves of £404.8 million as reported in the balance sheet.
Data source: Companies House, Pomanda Estimates
| Dec 2022 | Dec 2021 | Dec 2020 | Dec 2019 | Dec 2018 | Dec 2017 | Dec 2016 | Dec 2015 | Dec 2014 | Dec 2013 | Dec 2012 | |
|---|---|---|---|---|---|---|---|---|---|---|---|
| Turnover | 68,063,000 | 63,307,000 | 53,871,000 | 48,949,000 | 87,802,000 | 386,582,000 | 291,370,000 | 16,999,000 | 10,081,000 | 8,911,609 | 3,192,072 |
| Other Income Or Grants | |||||||||||
| Cost Of Sales | |||||||||||
| Gross Profit | |||||||||||
| Admin Expenses | |||||||||||
| Operating Profit | -2,179,000 | 11,102,000 | 8,585,000 | 11,261,000 | 10,472,000 | 6,352,000 | 4,754,000 | 4,198,000 | 3,231,000 | 3,154,240 | 751,174 |
| Interest Payable | 1,695,000 | 1,800,000 | 1,039,000 | 523,000 | 467,000 | 562,000 | 381,000 | 158,000 | 142,000 | 124,185 | 16,905 |
| Interest Receivable | 134,000 | 20,000 | 83,000 | 145,000 | 116,000 | 67,000 | 117,000 | 40,000 | 14,000 | 6,991 | 2,466 |
| Pre-Tax Profit | -3,740,000 | 9,322,000 | 7,629,000 | 10,883,000 | 10,121,000 | 5,857,000 | 4,490,000 | 4,080,000 | 3,104,000 | 3,037,046 | 736,735 |
| Tax | -2,973,000 | -1,603,000 | -1,732,000 | -2,033,000 | -1,911,000 | -625,000 | -656,000 | -983,000 | -665,000 | -714,201 | -26,912 |
| Profit After Tax | -6,713,000 | 7,719,000 | 5,897,000 | 8,850,000 | 8,210,000 | 5,232,000 | 3,834,000 | 3,097,000 | 2,439,000 | 2,322,845 | 709,823 |
| Dividends Paid | 5,984,000 | 5,997,000 | 5,149,000 | 4,562,000 | 3,622,000 | 2,408,000 | 2,403,000 | 500,000 | 0 | 1,000,000 | 24,000 |
| Retained Profit | -12,697,000 | 1,726,000 | 748,000 | 4,288,000 | 4,582,000 | 2,814,000 | 1,426,000 | 2,572,000 | 2,380,000 | 1,266,910 | 685,180 |
| Employee Costs | 34,623,000 | 30,524,000 | 26,067,000 | 22,949,000 | 21,700,000 | 21,044,000 | 15,247,000 | 7,675,000 | 4,424,000 | 3,565,262 | 1,676,316 |
| Number Of Employees | 801 | 828 | 828 | 572 | 558 | 578 | 458 | 235 | 133 | 114 | |
| EBITDA* | 14,097,000 | 15,842,000 | 12,526,000 | 13,125,000 | 12,336,000 | 8,053,000 | 6,157,000 | 5,198,000 | 3,818,000 | 3,681,465 | 846,751 |
* Earnings Before Interest, Tax, Depreciation and Amortisation
| Dec 2022 | Dec 2021 | Dec 2020 | Dec 2019 | Dec 2018 | Dec 2017 | Dec 2016 | Dec 2015 | Dec 2014 | Dec 2013 | Dec 2012 | |
|---|---|---|---|---|---|---|---|---|---|---|---|
| Tangible Assets | 3,086,652,000 | 3,550,069,000 | 3,288,580,000 | 3,267,087,000 | 3,089,320,000 | 3,239,863,000 | 3,075,121,000 | 673,000 | 695,000 | 363,445 | 111,529 |
| Intangible Assets | 77,362,000 | 89,814,000 | 91,078,000 | 43,427,000 | 44,110,000 | 44,593,000 | 47,442,000 | 14,226,000 | 11,235,000 | 7,167,364 | 427,150 |
| Investments & Other | 3,078,640,000 | 3,541,433,000 | 3,280,922,000 | 3,259,981,000 | 3,087,509,000 | 3,238,591,000 | 3,074,048,000 | 1,000 | 1,000 | 502 | 101 |
| Debtors (Due After 1 year) | 0 | 0 | 0 | 911,000 | 0 | 0 | 0 | 0 | 0 | 0 | 0 |
| Total Fixed Assets | 3,164,014,000 | 3,639,883,000 | 3,379,658,000 | 3,310,514,000 | 3,133,430,000 | 3,284,456,000 | 3,122,563,000 | 14,899,000 | 11,930,000 | 7,530,809 | 538,780 |
| Stock & work in progress | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 |
| Trade Debtors | 16,456,000 | 16,830,000 | 17,496,000 | 13,305,000 | 10,698,000 | 11,668,000 | 12,140,000 | 2,350,000 | 1,018,000 | 690,822 | 274,037 |
| Group Debtors | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 |
| Misc Debtors | 15,403,000 | 11,151,000 | 9,153,000 | 6,610,000 | 7,357,000 | 5,019,000 | 5,383,000 | 1,699,000 | 850,000 | 427,470 | 459,678 |
| Cash | 404,816,000 | 410,133,000 | 430,578,000 | 421,547,000 | 431,576,000 | 437,849,000 | 447,510,000 | 7,630,000 | 2,699,000 | 2,543,795 | 941,139 |
| misc current assets | 0 | 0 | 0 | 0 | 243,000 | 310,000 | 0 | 0 | 0 | 0 | 0 |
| total current assets | 437,046,000 | 439,071,000 | 457,808,000 | 441,908,000 | 449,874,000 | 454,846,000 | 465,033,000 | 11,679,000 | 4,567,000 | 3,662,087 | 1,674,854 |
| total assets | 3,601,060,000 | 4,078,954,000 | 3,837,466,000 | 3,752,422,000 | 3,583,304,000 | 3,739,302,000 | 3,587,596,000 | 26,578,000 | 16,497,000 | 11,192,896 | 2,213,634 |
| Bank overdraft | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 |
| Bank loan | 40,632,000 | 46,832,000 | 53,533,000 | 28,215,000 | 30,005,000 | 29,444,000 | 38,329,000 | 1,195,000 | 1,195,000 | 660,000 | 0 |
| Trade Creditors | 5,919,000 | 8,880,000 | 8,172,000 | 1,553,000 | 1,787,000 | 1,027,000 | 4,536,000 | 347,000 | 270,000 | 116,905 | 47,509 |
| Group/Directors Accounts | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 150,100 |
| other short term finances | 0 | 0 | 0 | 214,000 | 0 | 0 | 0 | 0 | 1,760,000 | 1,500,000 | 0 |
| hp & lease commitments | 1,040,000 | 964,000 | 672,000 | 719,000 | 0 | 0 | 0 | 0 | 23,000 | 37,660 | 37,660 |
| other current liabilities | 51,805,000 | 44,853,000 | 40,594,000 | 41,538,000 | 39,764,000 | 36,987,000 | 30,740,000 | 7,929,000 | 4,773,000 | 3,784,615 | 1,142,690 |
| total current liabilities | 99,396,000 | 101,529,000 | 102,971,000 | 72,239,000 | 71,556,000 | 67,458,000 | 73,605,000 | 9,471,000 | 8,021,000 | 6,099,180 | 1,377,959 |
| loans | 82,386,000 | 106,661,000 | 3,708,986,000 | 3,677,556,000 | 3,518,603,000 | 3,691,551,000 | 3,549,613,000 | 5,291,000 | 6,336,000 | 4,456,092 | 110,000 |
| hp & lease commitments | 6,290,000 | 6,774,000 | 5,201,000 | 3,915,000 | 0 | 0 | 0 | 0 | 0 | 22,556 | 60,633 |
| Accruals and Deferred Income | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 |
| other liabilities | 3,387,893,000 | 3,836,211,000 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 |
| provisions | 6,432,000 | 7,284,000 | 7,594,000 | 0 | 0 | 518,000 | 84,000 | 424,000 | 160,000 | 104,716 | 20,000 |
| total long term liabilities | 3,432,302,000 | 3,895,783,000 | 3,654,212,000 | 3,624,730,000 | 3,462,078,000 | 3,627,226,000 | 3,472,461,000 | 3,467,000 | 3,248,000 | 2,280,404 | 190,633 |
| total liabilities | 3,531,698,000 | 3,997,312,000 | 3,757,183,000 | 3,696,969,000 | 3,533,634,000 | 3,694,684,000 | 3,546,066,000 | 12,938,000 | 11,269,000 | 8,379,584 | 1,568,592 |
| net assets | 69,362,000 | 81,632,000 | 80,269,000 | 55,439,000 | 49,656,000 | 44,604,000 | 41,521,000 | 13,631,000 | 3,823,000 | 1,411,356 | 644,446 |
| total shareholders funds | 69,362,000 | 81,632,000 | 80,269,000 | 55,439,000 | 49,656,000 | 44,604,000 | 41,521,000 | 13,631,000 | 3,823,000 | 1,411,356 | 644,446 |
| Dec 2022 | Dec 2021 | Dec 2020 | Dec 2019 | Dec 2018 | Dec 2017 | Dec 2016 | Dec 2015 | Dec 2014 | Dec 2013 | Dec 2012 | |
|---|---|---|---|---|---|---|---|---|---|---|---|
| Operating Activities | |||||||||||
| Operating Profit | -2,179,000 | 11,102,000 | 8,585,000 | 11,261,000 | 10,472,000 | 6,352,000 | 4,754,000 | 4,198,000 | 3,231,000 | 3,154,240 | 751,174 |
| Depreciation | 1,645,000 | 1,806,000 | 1,499,000 | 596,000 | 596,000 | 570,000 | 519,000 | 267,000 | 178,000 | 130,366 | 50,444 |
| Amortisation | 14,631,000 | 2,934,000 | 2,442,000 | 1,268,000 | 1,268,000 | 1,131,000 | 884,000 | 733,000 | 409,000 | 396,859 | 45,133 |
| Tax | -2,973,000 | -1,603,000 | -1,732,000 | -2,033,000 | -1,911,000 | -625,000 | -656,000 | -983,000 | -665,000 | -714,201 | -26,912 |
| Stock | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 |
| Debtors | 3,878,000 | 1,332,000 | 5,823,000 | 2,771,000 | 1,368,000 | -836,000 | 13,474,000 | 2,181,000 | 749,708 | 384,577 | 733,715 |
| Creditors | -2,961,000 | 708,000 | 6,619,000 | -234,000 | 760,000 | -3,509,000 | 4,189,000 | 77,000 | 153,095 | 69,396 | 47,509 |
| Accruals and Deferred Income | 6,952,000 | 4,259,000 | -944,000 | 1,774,000 | 2,777,000 | 6,247,000 | 22,811,000 | 3,156,000 | 988,385 | 2,641,925 | 1,142,690 |
| Deferred Taxes & Provisions | -852,000 | -310,000 | 7,594,000 | 0 | -518,000 | 434,000 | -340,000 | 264,000 | 55,284 | 84,716 | 20,000 |
| Cash flow from operations | 10,385,000 | 17,564,000 | 18,240,000 | 9,861,000 | 12,076,000 | 11,436,000 | 18,687,000 | 5,531,000 | 3,600,056 | 5,378,724 | 1,296,323 |
| Investing Activities | |||||||||||
| capital expenditure | -41,930 | ||||||||||
| Change in Investments | -462,793,000 | 260,511,000 | 20,941,000 | 172,472,000 | -151,082,000 | 164,543,000 | 3,074,047,000 | 0 | 498 | 401 | 101 |
| cash flow from investments | -42,031 | ||||||||||
| Financing Activities | |||||||||||
| Bank loans | -6,200,000 | -6,701,000 | 25,318,000 | -1,790,000 | 561,000 | -8,885,000 | 37,134,000 | 0 | 535,000 | 660,000 | 0 |
| Group/Directors Accounts | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | -150,100 | 150,100 |
| Other Short Term Loans | 0 | 0 | -214,000 | 214,000 | 0 | 0 | 0 | -1,760,000 | 260,000 | 1,500,000 | 0 |
| Long term loans | -24,275,000 | -3,602,325,000 | 31,430,000 | 158,953,000 | -172,948,000 | 141,938,000 | 3,544,322,000 | -1,045,000 | 1,879,908 | 4,346,092 | 110,000 |
| Hire Purchase and Lease Commitments | -408,000 | 1,865,000 | 1,239,000 | 4,634,000 | 0 | 0 | 0 | -23,000 | -37,216 | -38,077 | 98,293 |
| other long term liabilities | -448,318,000 | 3,836,211,000 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 |
| share issue | |||||||||||
| interest | -1,561,000 | -1,780,000 | -956,000 | -378,000 | -351,000 | -495,000 | -264,000 | -118,000 | -128,000 | -117,194 | -14,439 |
| cash flow from financing | -480,335,000 | 226,907,000 | 80,899,000 | 163,128,000 | -172,268,000 | 132,827,000 | 3,607,656,000 | 4,290,000 | 2,541,336 | 5,700,721 | 303,220 |
| cash and cash equivalents | |||||||||||
| cash | -5,317,000 | -20,445,000 | 9,031,000 | -10,029,000 | -6,273,000 | -9,661,000 | 439,880,000 | 4,931,000 | 155,205 | 1,602,656 | 941,139 |
| overdraft | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 |
| change in cash | -5,317,000 | -20,445,000 | 9,031,000 | -10,029,000 | -6,273,000 | -9,661,000 | 439,880,000 | 4,931,000 | 155,205 | 1,602,656 | 941,139 |
P&L
December 2022turnover
68.1m
+8%
operating profit
-2.2m
-120%
gross margin
77.7%
-0.93%
turnover
Turnover, or revenue, is the amount of sales generated by a company within the financial year.
Balance Sheet
December 2022net assets
69.4m
-0.15%
total assets
3.6b
-0.12%
cash
404.8m
-0.01%
net assets
Total assets minus all liabilities
curtis banks group limited company details
company number
07934492
Type
Private limited with Share Capital
industry
64205 - Activities of financial services holding companies
incorporation date
February 2012
age
12
accounts
Group
ultimate parent company
previous names
curtis banks group plc (October 2023)
curtis banks group limited (April 2015)
incorporated
UK
address
dunn's house st paul's road, salisbury, wiltshire, SP2 7BF
last accounts submitted
December 2022
curtis banks group limited 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 found 6 charges/mortgages relating to curtis banks group limited. Currently there are 0 open charges and 6 have been satisfied in the past.
curtis banks group limited Companies House Filings - See Documents
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