ral financial solutions limited
ral financial solutions limited Company Information
Company Number
08594051
Website
-Registered Address
portland house, 11-13 station road, kettering, northants, NN15 7HH
Industry
Other activities auxiliary to insurance and pension funding
Telephone
-
Next Accounts Due
December 2025
Group Structure
View All
Shareholders
rachel legg 50%
andrew legg 50%
ral financial solutions limited Estimated Valuation
Pomanda estimates the enterprise value of RAL FINANCIAL SOLUTIONS LIMITED at £159.7k based on a Turnover of £179.5k and 0.89x industry multiple (adjusted for size and gross margin).
ral financial solutions limited Estimated Valuation
Pomanda estimates the enterprise value of RAL FINANCIAL SOLUTIONS LIMITED at £0 based on an EBITDA of £-4.5k and a 4.61x industry multiple (adjusted for size and gross margin).
ral financial solutions limited Estimated Valuation
Pomanda estimates the enterprise value of RAL FINANCIAL SOLUTIONS LIMITED at £93k based on Net Assets of £34.4k and 2.7x industry multiple (adjusted for liquidity).
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Ral Financial Solutions Limited Overview
Ral Financial Solutions Limited is a live company located in kettering, NN15 7HH with a Companies House number of 08594051. It operates in the other activities auxiliary to insurance and pension funding sector, SIC Code 66290. Founded in July 2013, it's largest shareholder is rachel legg with a 50% stake. Ral Financial Solutions Limited is a established, micro sized company, Pomanda has estimated its turnover at £179.5k with healthy growth in recent years.
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Ral Financial Solutions Limited Health Check
Pomanda's financial health check has awarded Ral Financial Solutions Limited a 4 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
4 Strong
2 Regular
4 Weak
Size
annual sales of £179.5k, make it smaller than the average company (£3.5m)
- Ral Financial Solutions Limited
£3.5m - Industry AVG
Growth
3 year (CAGR) sales growth of 9%, show it is growing at a faster rate (7.4%)
- Ral Financial Solutions Limited
7.4% - Industry AVG
Production
with a gross margin of 93.1%, this company has a comparable cost of product (93.1%)
- Ral Financial Solutions Limited
93.1% - Industry AVG
Profitability
an operating margin of -2.5% make it less profitable than the average company (8.1%)
- Ral Financial Solutions Limited
8.1% - Industry AVG
Employees
with 2 employees, this is below the industry average (29)
2 - Ral Financial Solutions Limited
29 - Industry AVG
Pay Structure
on an average salary of £54.6k, the company has an equivalent pay structure (£54.6k)
- Ral Financial Solutions Limited
£54.6k - Industry AVG
Efficiency
resulting in sales per employee of £89.8k, this is less efficient (£129.8k)
- Ral Financial Solutions Limited
£129.8k - Industry AVG
Debtor Days
it gets paid by customers after 30 days, this is earlier than average (69 days)
- Ral Financial Solutions Limited
69 days - Industry AVG
Creditor Days
There is insufficient data available for this Key Performance Indicator!
- Ral Financial Solutions Limited
- - Industry AVG
Stock Days
There is insufficient data available for this Key Performance Indicator!
- Ral Financial Solutions Limited
- - Industry AVG
Cash Balance
has cash to cover current liabilities for 72 weeks, this is more cash available to meet short term requirements (27 weeks)
72 weeks - Ral Financial Solutions Limited
27 weeks - Industry AVG
Debt Level
it has a ratio of liabilities to total assets of 58.7%, this is a lower level of debt than the average (69%)
58.7% - Ral Financial Solutions Limited
69% - Industry AVG
RAL FINANCIAL SOLUTIONS LIMITED financials
Ral Financial Solutions Limited's latest turnover from March 2024 is estimated at £179.5 thousand and the company has net assets of £34.4 thousand. According to their latest financial statements, Ral Financial Solutions Limited has 2 employees and maintains cash reserves of £68.2 thousand as reported in the balance sheet.
Data source: Companies House, Pomanda Estimates
| Mar 2024 | Mar 2023 | Mar 2022 | Mar 2021 | Mar 2020 | Mar 2019 | Mar 2018 | Mar 2017 | Mar 2016 | Mar 2015 | Mar 2014 | |
|---|---|---|---|---|---|---|---|---|---|---|---|
| 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 | 2 | 2 | 2 | 2 | 2 | 2 | 2 | ||||
| EBITDA* |
* Earnings Before Interest, Tax, Depreciation and Amortisation
| Mar 2024 | Mar 2023 | Mar 2022 | Mar 2021 | Mar 2020 | Mar 2019 | Mar 2018 | Mar 2017 | Mar 2016 | Mar 2015 | Mar 2014 | |
|---|---|---|---|---|---|---|---|---|---|---|---|
| Tangible Assets | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 |
| Intangible Assets | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 2,000 | 4,000 | 6,000 | 8,000 |
| Investments & Other | 0 | 10,000 | 10,000 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 |
| Debtors (Due After 1 year) | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 |
| Total Fixed Assets | 0 | 10,000 | 10,000 | 0 | 0 | 0 | 0 | 2,000 | 4,000 | 6,000 | 8,000 |
| Stock & work in progress | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 |
| Trade Debtors | 15,223 | 15,271 | 25,963 | 7,513 | 11,928 | 12,636 | 12,427 | 11,044 | 0 | 287 | 0 |
| Group Debtors | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 |
| Misc Debtors | 0 | 0 | 197 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 |
| Cash | 68,240 | 50,390 | 29,881 | 30,352 | 23,898 | 21,082 | 18,934 | 15,285 | 12,418 | 7,559 | 1,400 |
| misc current assets | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 |
| total current assets | 83,463 | 65,661 | 56,041 | 37,865 | 35,826 | 33,718 | 31,361 | 26,329 | 12,418 | 7,846 | 1,400 |
| total assets | 83,463 | 75,661 | 66,041 | 37,865 | 35,826 | 33,718 | 31,361 | 28,329 | 16,418 | 13,846 | 9,400 |
| Bank overdraft | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 |
| Bank loan | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 |
| Trade Creditors | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 12,407 | 8,635 |
| Group/Directors Accounts | 0 | 0 | 21,071 | 0 | 0 | 0 | 0 | 0 | 3,784 | 0 | 0 |
| other short term finances | 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 |
| other current liabilities | 49,026 | 39,643 | 23,125 | 37,261 | 33,952 | 32,485 | 30,448 | 26,505 | 11,234 | 0 | 0 |
| total current liabilities | 49,026 | 39,643 | 44,196 | 37,261 | 33,952 | 32,485 | 30,448 | 26,505 | 15,018 | 12,407 | 8,635 |
| loans | 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 |
| Accruals and Deferred Income | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 |
| other liabilities | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 |
| provisions | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 |
| total long term liabilities | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 |
| total liabilities | 49,026 | 39,643 | 44,196 | 37,261 | 33,952 | 32,485 | 30,448 | 26,505 | 15,018 | 12,407 | 8,635 |
| net assets | 34,437 | 36,018 | 21,845 | 604 | 1,874 | 1,233 | 913 | 1,824 | 1,400 | 1,439 | 765 |
| total shareholders funds | 34,437 | 36,018 | 21,845 | 604 | 1,874 | 1,233 | 913 | 1,824 | 1,400 | 1,439 | 765 |
| Mar 2024 | Mar 2023 | Mar 2022 | Mar 2021 | Mar 2020 | Mar 2019 | Mar 2018 | Mar 2017 | Mar 2016 | Mar 2015 | Mar 2014 | |
|---|---|---|---|---|---|---|---|---|---|---|---|
| Operating Activities | |||||||||||
| Operating Profit | |||||||||||
| Depreciation | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 2,000 |
| Amortisation | 0 | 0 | 0 | 0 | 0 | 0 | 2,000 | 2,000 | 2,000 | 2,000 | 0 |
| Tax | |||||||||||
| Stock | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 |
| Debtors | -48 | -10,889 | 18,647 | -4,415 | -708 | 209 | 1,383 | 11,044 | -287 | 287 | 0 |
| Creditors | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | -12,407 | 3,772 | 8,635 |
| Accruals and Deferred Income | 9,383 | 16,518 | -14,136 | 3,309 | 1,467 | 2,037 | 3,943 | 15,271 | 11,234 | 0 | 0 |
| Deferred Taxes & Provisions | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 |
| Cash flow from operations | |||||||||||
| Investing Activities | |||||||||||
| capital expenditure | |||||||||||
| Change in Investments | -10,000 | 0 | 10,000 | 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 |
| Group/Directors Accounts | 0 | -21,071 | 21,071 | 0 | 0 | 0 | 0 | -3,784 | 3,784 | 0 | 0 |
| Other Short Term Loans | 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 |
| Hire Purchase and Lease Commitments | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 |
| other long term liabilities | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 |
| share issue | |||||||||||
| interest | |||||||||||
| cash flow from financing | |||||||||||
| cash and cash equivalents | |||||||||||
| cash | 17,850 | 20,509 | -471 | 6,454 | 2,816 | 2,148 | 3,649 | 2,867 | 4,859 | 6,159 | 1,400 |
| overdraft | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 |
| change in cash | 17,850 | 20,509 | -471 | 6,454 | 2,816 | 2,148 | 3,649 | 2,867 | 4,859 | 6,159 | 1,400 |
ral financial solutions limited Credit Report and Business Information
Ral Financial Solutions Limited Competitor Analysis
Perform a competitor analysis for ral financial solutions limited by selecting its closest rivals, whether from the FINANCIAL AND INSURANCE ACTIVITIES sector, other micro companies, companies in NN15 area or any other competitors across 12 key performance metrics.
ral financial solutions limited Ownership
RAL FINANCIAL SOLUTIONS LIMITED group structure
Ral Financial Solutions Limited has no subsidiary companies.
Ultimate parent company
RAL FINANCIAL SOLUTIONS LIMITED
08594051
ral financial solutions limited directors
Ral Financial Solutions Limited currently has 2 directors. The longest serving directors include Mr Andrew Legg (Jul 2013) and Mrs Rachel Legg (Jul 2013).
| officer | country | age | start | end | role |
|---|---|---|---|---|---|
| Mr Andrew Legg | England | 49 years | Jul 2013 | - | Director |
| Mrs Rachel Legg | England | 50 years | Jul 2013 | - | Director |
P&L
March 2024turnover
179.5k
+9%
operating profit
-4.5k
0%
gross margin
93.1%
+4.77%
turnover
Turnover, or revenue, is the amount of sales generated by a company within the financial year.
Balance Sheet
March 2024net assets
34.4k
-0.04%
total assets
83.5k
+0.1%
cash
68.2k
+0.35%
net assets
Total assets minus all liabilities
ral financial solutions limited company details
company number
08594051
Type
Private limited with Share Capital
industry
66290 - Other activities auxiliary to insurance and pension funding
incorporation date
July 2013
age
11
incorporated
UK
ultimate parent company
accounts
Total Exemption Full
last accounts submitted
March 2024
previous names
N/A
accountant
BEWERS TURNER & CO LLP
auditor
-
address
portland house, 11-13 station road, kettering, northants, NN15 7HH
Bank
YASUDA TRUST & BANK PLC
Legal Advisor
-
ral financial solutions 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 did not find charges/mortgages relating to ral financial solutions limited.
ral financial solutions limited Companies House Filings - See Documents
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