Pomanda estimates the enterprise value of TAM FINANCIAL LTD at £4.6m based on a Turnover of £3.7m and 1.25x industry multiple (adjusted for size and gross margin).
tam financial ltdEstimated Valuation
£0
Pomanda estimates the enterprise value of TAM FINANCIAL LTD at £0 based on an EBITDA of £-607k and a 5.33x industry multiple (adjusted for size and gross margin).
tam financial ltdEstimated Valuation
£2m
Pomanda estimates the enterprise value of TAM FINANCIAL LTD at £2m based on Net Assets of £1.2m and 1.61x industry multiple (adjusted for liquidity).
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Tam Financial LtdOverview
Tam Financial Ltd is a live company located in london, EC2V 5DE with a Companies House number of 08082749. It operates in the activities of financial services holding companies sector, SIC Code 64205. Founded in May 2012, it's largest shareholder is
amber river group limited
with a 64.5% stake. Tam Financial Ltd is a established,
small sized company, Pomanda has estimated its turnover at
£3.7m with
declining
growth in recent years.
Pomanda's financial health check has awarded Tam Financial Ltd a 2.5 rating. We use a traffic light system to show it exceeds the industry average on 2 measures and has 7 areas for improvement. Company Health Check FAQs
Health Rating2.5out of 5
2 Strong
2 Regular
7 Weak
Size
annual sales of £3.7m, make it smaller than the average company (£11m)
£3.7m - Tam Financial Ltd
£11m - Industry AVG
Growth
3 year (CAGR) sales growth of -15%, show it is growing at a slower rate (7.3%)
-15% - Tam Financial Ltd
7.3% - Industry AVG
Production
with a gross margin of 80%, this company has a comparable cost of product (75.8%)
80% - Tam Financial Ltd
75.8% - Industry AVG
Profitability
an operating margin of -17.9% make it less profitable than the average company (9.2%)
-17.9% - Tam Financial Ltd
9.2% - Industry AVG
Employees
with 24 employees, this is below the industry average (64)
24 - Tam Financial Ltd
64 - Industry AVG
Pay Structure
on an average salary of £97.3k, the company has a higher pay structure (£79.1k)
£97.3k - Tam Financial Ltd
£79.1k - Industry AVG
Efficiency
resulting in sales per employee of £154k, this is less efficient (£201.7k)
£154k - Tam Financial Ltd
£201.7k - Industry AVG
Debtor Days
it gets paid by customers after 12 days, this is earlier than average (49 days)
12 days - Tam Financial Ltd
49 days - Industry AVG
Creditor Days
its suppliers are paid after 3 days, this is quicker than average (48 days)
3 days - Tam Financial Ltd
48 days - Industry AVG
Stock Days
There is insufficient data available for this Key Performance Indicator!
- - Tam Financial Ltd
- - Industry AVG
Cash Balance
has cash to cover current liabilities
for 64 weeks, this is more cash available to meet short term requirements (28 weeks)
64 weeks - Tam Financial Ltd
28 weeks - Industry AVG
Debt Level
it has a ratio of liabilities to total assets of 52.4%, this is a similar level of debt than the average (57%)
52.4% - Tam Financial Ltd
57% - Industry AVG
TAM FINANCIAL LTD financials
EXPORT
Tam Financial Ltd's latest turnover from October 2023 is £3.7 million and the company has net assets of £1.2 million. According to their latest financial statements, Tam Financial Ltd has 24 employees and maintains cash reserves of £1.7 million as reported in the balance sheet.
Data source:Companies House, Pomanda Estimates
Oct 2023
Dec 2022
Dec 2021
Dec 2020
Dec 2019
Dec 2018
Dec 2017
Dec 2016
Dec 2015
Dec 2014
Dec 2013
Dec 2012
Turnover
3,694,829
6,824,932
6,369,093
5,920,810
5,010,222
4,939,064
5,125,314
5,206,991
4,899,563
3,625,827
2,391,741
514,533
Other Income Or Grants
Cost Of Sales
737,489
2,977,812
2,868,311
2,583,849
2,397,518
2,399,434
2,250,243
2,443,591
2,507,726
1,861,131
983,284
184,660
Gross Profit
2,957,340
3,847,120
3,500,782
3,336,961
2,612,704
2,539,630
2,875,071
2,763,400
2,391,837
1,764,696
1,408,457
329,873
Admin Expenses
3,617,534
3,608,048
3,119,960
3,021,693
2,637,395
2,495,781
2,687,053
2,450,224
2,150,578
1,751,427
1,580,796
409,618
Operating Profit
-660,194
239,072
380,822
315,268
-24,691
43,849
188,018
313,176
241,259
13,269
-172,339
-79,745
Interest Payable
1,358
1,409
119,546
147,289
1,188
2,013
36,924
22,986
2,969
3,196
2,703
2,862
Interest Receivable
164,284
162,253
94
8,123
23,732
1,656
69
4,291
488
2,795
1,590
Pre-Tax Profit
-1,219,718
399,677
252,846
176,102
-137,278
43,492
346,148
429,323
238,778
112,868
-173,452
-82,607
Tax
2,960
-52,866
-7,161
-16,951
15,421
-26,531
-736
-1,242
Profit After Tax
-1,216,758
346,811
245,685
159,151
-121,857
16,961
345,412
428,081
238,778
112,868
-173,452
-82,607
Dividends Paid
110,159
83,500
145,000
100,000
47,000
Retained Profit
-1,217,587
254,841
88,664
90,421
-159,117
-71,836
192,606
311,421
166,136
96,045
-173,703
-81,936
Employee Costs
2,334,903
2,129,287
1,770,469
1,758,063
1,372,361
1,339,440
1,288,656
1,298,820
1,131,773
1,038,608
711,527
221,294
Number Of Employees
24
32
33
30
30
25
27
27
25
22
22
23
EBITDA*
-606,984
319,501
473,991
439,473
106,019
157,422
285,465
418,697
339,859
53,493
-124,363
-63,246
* Earnings Before Interest, Tax, Depreciation and Amortisation
Oct 2023
Dec 2022
Dec 2021
Dec 2020
Dec 2019
Dec 2018
Dec 2017
Dec 2016
Dec 2015
Dec 2014
Dec 2013
Dec 2012
Tangible Assets
8,926
20,253
22,433
36,908
43,673
74,014
86,586
144,392
199,554
213,567
16,944
24,070
Intangible Assets
163,899
593,112
660,243
673,793
493,009
580,751
484,081
513,755
546,548
579,340
612,132
644,924
Investments & Other
24,999
28,010
28,010
24,999
160,130
307,327
112,342
Debtors (Due After 1 year)
Total Fixed Assets
172,825
638,364
710,686
738,711
561,681
814,895
877,994
770,489
746,102
792,907
629,076
668,994
Stock & work in progress
Trade Debtors
122,082
262,049
273,461
282,599
109,489
73,455
242,658
141,091
133,624
103,795
74,409
115,503
Group Debtors
Misc Debtors
618,606
904,187
891,272
713,153
992,591
680,825
668,794
633,680
614,716
498,463
281,469
383,752
Cash
1,671,869
2,321,296
2,239,392
2,924,416
1,091,501
1,371,672
993,682
1,352,469
1,445,914
1,021,299
700,067
578,094
misc current assets
total current assets
2,412,557
3,487,532
3,404,125
3,920,168
2,193,581
2,125,952
1,905,134
2,127,240
2,194,254
1,623,557
1,055,945
1,077,349
total assets
2,585,382
4,125,896
4,114,811
4,658,879
2,755,262
2,940,847
2,783,128
2,897,729
2,940,356
2,416,464
1,685,021
1,746,343
Bank overdraft
Bank loan
Trade Creditors
7,237
263,859
274,481
286,993
218,309
130,317
63,563
30,370
23,261
128,332
51,691
162,604
Group/Directors Accounts
other short term finances
hp & lease commitments
29,153
33,525
39,980
43,215
32,289
other current liabilities
1,346,960
844,536
1,180,912
1,832,175
430,323
538,787
627,628
798,998
1,123,058
682,353
844,205
621,162
total current liabilities
1,354,197
1,108,395
1,455,393
2,119,168
648,632
698,257
724,716
869,348
1,189,534
842,974
895,896
783,766
loans
hp & lease commitments
29,493
61,534
112,056
126,498
Accruals and Deferred Income
other liabilities
provisions
total long term liabilities
29,493
61,534
112,056
126,498
total liabilities
1,354,197
1,108,395
1,455,393
2,119,168
648,632
698,257
754,209
930,882
1,301,590
969,472
895,896
783,766
net assets
1,231,185
2,833,894
2,567,781
2,384,777
1,989,020
2,148,137
1,941,713
1,887,447
1,576,026
1,409,893
768,849
942,552
total shareholders funds
1,231,185
2,833,894
2,567,781
2,384,777
1,989,020
2,148,137
1,941,713
1,887,447
1,576,026
1,409,893
768,849
942,552
Oct 2023
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
-660,194
239,072
380,822
315,268
-24,691
43,849
188,018
313,176
241,259
13,269
-172,339
-79,745
Depreciation
10,262
13,298
24,273
43,788
38,231
37,550
61,716
72,728
65,808
7,432
15,184
5,568
Amortisation
42,948
67,131
68,896
80,417
92,479
76,023
35,731
32,793
32,792
32,792
32,792
10,931
Tax
2,960
-52,866
-7,161
-16,951
15,421
-26,531
-736
-1,242
Stock
Debtors
-425,548
1,503
168,981
-106,328
347,800
-157,172
136,681
26,431
146,082
246,380
-143,377
499,255
Creditors
-256,622
-10,622
-12,512
68,684
87,992
66,754
33,193
7,109
-105,071
76,641
-110,913
162,604
Accruals and Deferred Income
502,424
-336,376
-651,263
1,401,852
-108,464
-88,841
-171,370
-324,060
440,705
-161,852
223,043
621,162
Deferred Taxes & Provisions
Cash flow from operations
67,326
-81,866
-365,926
1,999,386
-246,832
265,976
9,871
74,073
529,411
-278,098
131,144
221,265
Investing Activities
capital expenditure
17,709
-9,967
301,880
-51,797
-214,495
-8,058
-29,638
Change in Investments
-24,999
-3,011
3,011
-135,131
-147,197
194,985
112,342
cash flow from investments
24,999
3,011
-3,011
135,131
164,906
-204,952
189,538
-51,797
-214,495
-8,058
-29,638
Financing Activities
Bank loans
Group/Directors Accounts
Other Short Term Loans
Long term loans
Hire Purchase and Lease Commitments
-29,153
-33,865
-38,496
-53,757
-3,516
158,787
other long term liabilities
share issue
-385,122
11,272
94,340
305,336
278,260
-138,340
-3
544,999
1,024,488
interest
162,926
160,844
-119,452
-139,166
22,544
-357
-36,855
-18,695
-2,481
-401
-1,113
-2,862
cash flow from financing
-222,196
172,116
-25,112
166,170
-6,609
244,038
-213,691
-72,452
-6,000
703,385
-1,113
1,021,626
cash and cash equivalents
cash
-649,427
81,904
-685,024
1,832,915
-280,171
377,990
-358,787
-93,445
424,615
321,232
121,973
578,094
overdraft
change in cash
-649,427
81,904
-685,024
1,832,915
-280,171
377,990
-358,787
-93,445
424,615
321,232
121,973
578,094
tam financial ltd Credit Report and Business Information
Very Low Risk70 - 100
Low Risk50 - 70
Moderate Risk30 - 50
High Risk20 - 30
Very High Risk0 - 20
Get a comprehensive credit check for tam financial ltd. Get real-time insights into tam financial ltd's credit score, group structure and payment trends.
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64205 - Activities of financial services holding companies
incorporation date
May 2012
age
13
incorporated
UK
ultimate parent company
DAFFODIL BIDCO LTD
accounts
Group
last accounts submitted
October 2023
previous names
N/A
accountant
-
auditor
XEINADIN AUDIT LIMITED
address
city tower 40 basinghall street, london, EC2V 5DE
Bank
-
Legal Advisor
-
tam financial 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 tam financial ltd.
tam financial 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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tam financial ltdCompanies House Filings - See Documents
