pensions & life uk ltd
pensions & life uk ltd Company Information
Company Number
09231187
Next Accounts
Jan 2025
Industry
Other financial service activities, except insurance and pension funding, (not including security dealing on own account and factoring) n.e.c.
Shareholders
philip nunn
patrick mccreesh
Group Structure
View All
Contact
Registered Address
53 king street, manchester, greater manchester, M2 4LQ
Website
-pensions & life uk ltd Estimated Valuation
Pomanda estimates the enterprise value of PENSIONS & LIFE UK LTD at £1.4m based on a Turnover of £972.2k and 1.42x industry multiple (adjusted for size and gross margin).
pensions & life uk ltd Estimated Valuation
Pomanda estimates the enterprise value of PENSIONS & LIFE UK LTD at £0 based on an EBITDA of £-44.7k and a 5.02x industry multiple (adjusted for size and gross margin).
pensions & life uk ltd Estimated Valuation
Pomanda estimates the enterprise value of PENSIONS & LIFE UK LTD at £0 based on Net Assets of £-37.9k and 1.29x industry multiple (adjusted for liquidity).
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Pensions & Life Uk Ltd Overview
Pensions & Life Uk Ltd is a dissolved company that was located in greater manchester, M2 4LQ with a Companies House number of 09231187. It operated in the financial intermediation not elsewhere classified sector, SIC Code 64999. Founded in September 2014, it's largest shareholder was philip nunn with a 50% stake. The last turnover for Pensions & Life Uk Ltd was estimated at £972.2k.
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Pensions & Life Uk Ltd Health Check
Pomanda's financial health check has awarded Pensions & Life Uk Ltd a 1 rating. We use a traffic light system to show it exceeds the industry average on 0 measures and has 8 areas for improvement. Company Health Check FAQs
0 Strong
3 Regular
8 Weak
Size
annual sales of £972.2k, make it smaller than the average company (£3.9m)
- Pensions & Life Uk Ltd
£3.9m - Industry AVG
Growth
3 year (CAGR) sales growth of -18%, show it is growing at a slower rate (5.7%)
- Pensions & Life Uk Ltd
5.7% - Industry AVG
Production
with a gross margin of 59.2%, this company has a comparable cost of product (59.2%)
- Pensions & Life Uk Ltd
59.2% - Industry AVG
Profitability
an operating margin of -4.6% make it less profitable than the average company (11.9%)
- Pensions & Life Uk Ltd
11.9% - Industry AVG
Employees
with 5 employees, this is below the industry average (12)
- Pensions & Life Uk Ltd
12 - Industry AVG
Pay Structure
on an average salary of £66.8k, the company has an equivalent pay structure (£66.8k)
- Pensions & Life Uk Ltd
£66.8k - Industry AVG
Efficiency
resulting in sales per employee of £194.4k, this is equally as efficient (£198.2k)
- Pensions & Life Uk Ltd
£198.2k - Industry AVG
Debtor Days
it gets paid by customers after 49 days, this is later than average (36 days)
- Pensions & Life Uk Ltd
36 days - Industry AVG
Creditor Days
its suppliers are paid after 0 days, this is quicker than average (42 days)
- Pensions & Life Uk Ltd
42 days - Industry AVG
Stock Days
There is insufficient data available for this Key Performance Indicator!
- Pensions & Life Uk Ltd
- - Industry AVG
Cash Balance
has cash to cover current liabilities for 0 weeks, this is less cash available to meet short term requirements (34 weeks)
0 weeks - Pensions & Life Uk Ltd
34 weeks - Industry AVG
Debt Level
it has a ratio of liabilities to total assets of 117.1%, this is a higher level of debt than the average (66.4%)
117.1% - Pensions & Life Uk Ltd
66.4% - Industry AVG
PENSIONS & LIFE UK LTD financials
Pensions & Life Uk Ltd's latest turnover from September 2018 is estimated at £972.2 thousand and the company has net assets of -£37.9 thousand. According to their latest financial statements, we estimate that Pensions & Life Uk Ltd has 5 employees and maintains cash reserves of £2.1 thousand as reported in the balance sheet.
Data source: Companies House, Pomanda Estimates
| Sep 2018 | Sep 2017 | Sep 2016 | Sep 2015 | |
|---|---|---|---|---|
| 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 | ||||
| EBITDA* |
* Earnings Before Interest, Tax, Depreciation and Amortisation
| Sep 2018 | Sep 2017 | Sep 2016 | Sep 2015 | |
|---|---|---|---|---|
| Tangible Assets | 263 | 526 | 789 | 0 |
| Intangible Assets | 0 | 0 | 0 | 0 |
| Investments & Other | 0 | 0 | 0 | 0 |
| Debtors (Due After 1 year) | 0 | 0 | 0 | 0 |
| Total Fixed Assets | 263 | 526 | 789 | 0 |
| Stock & work in progress | 0 | 0 | 0 | 0 |
| Trade Debtors | 132,376 | 101,400 | 60,000 | 230,979 |
| Group Debtors | 0 | 0 | 0 | 0 |
| Misc Debtors | 86,604 | 396,794 | 349,813 | 0 |
| Cash | 2,121 | 288 | 1,777 | 7,318 |
| misc current assets | 0 | 0 | 0 | 0 |
| total current assets | 221,101 | 498,482 | 411,590 | 238,297 |
| total assets | 221,364 | 499,008 | 412,379 | 238,297 |
| Bank overdraft | 0 | 0 | 0 | 0 |
| Bank loan | 0 | 0 | 0 | 0 |
| Trade Creditors | 535 | 68,682 | 624 | 235,714 |
| Group/Directors Accounts | 0 | 0 | 0 | 0 |
| other short term finances | 0 | 0 | 0 | 0 |
| hp & lease commitments | 0 | 0 | 0 | 0 |
| other current liabilities | 258,706 | 423,218 | 373,746 | 0 |
| total current liabilities | 259,241 | 491,900 | 374,370 | 235,714 |
| loans | 0 | 0 | 0 | 0 |
| hp & lease commitments | 0 | 0 | 0 | 0 |
| Accruals and Deferred Income | 0 | 0 | 0 | 0 |
| other liabilities | 0 | 0 | 0 | 0 |
| provisions | 0 | 0 | 0 | 0 |
| total long term liabilities | 0 | 0 | 0 | 0 |
| total liabilities | 259,241 | 491,900 | 374,370 | 235,714 |
| net assets | -37,877 | 7,108 | 38,009 | 2,583 |
| total shareholders funds | -37,877 | 7,108 | 38,009 | 2,583 |
| Sep 2018 | Sep 2017 | Sep 2016 | Sep 2015 | |
|---|---|---|---|---|
| Operating Activities | ||||
| Operating Profit | ||||
| Depreciation | 263 | 263 | 263 | 0 |
| Amortisation | 0 | 0 | 0 | 0 |
| Tax | ||||
| Stock | 0 | 0 | 0 | 0 |
| Debtors | -279,214 | 88,381 | 178,834 | 230,979 |
| Creditors | -68,147 | 68,058 | -235,090 | 235,714 |
| Accruals and Deferred Income | -164,512 | 49,472 | 373,746 | 0 |
| Deferred Taxes & Provisions | 0 | 0 | 0 | 0 |
| Cash flow from operations | ||||
| Investing Activities | ||||
| capital expenditure | ||||
| Change in Investments | 0 | 0 | 0 | 0 |
| cash flow from investments | ||||
| Financing Activities | ||||
| Bank loans | 0 | 0 | 0 | 0 |
| Group/Directors Accounts | 0 | 0 | 0 | 0 |
| Other Short Term Loans | 0 | 0 | 0 | 0 |
| Long term loans | 0 | 0 | 0 | 0 |
| Hire Purchase and Lease Commitments | 0 | 0 | 0 | 0 |
| other long term liabilities | 0 | 0 | 0 | 0 |
| share issue | ||||
| interest | ||||
| cash flow from financing | ||||
| cash and cash equivalents | ||||
| cash | 1,833 | -1,489 | -5,541 | 7,318 |
| overdraft | 0 | 0 | 0 | 0 |
| change in cash | 1,833 | -1,489 | -5,541 | 7,318 |
pensions & life uk ltd Credit Report and Business Information
Pensions & Life Uk Ltd Competitor Analysis
Perform a competitor analysis for pensions & life uk ltd by selecting its closest rivals, whether from the FINANCIAL AND INSURANCE ACTIVITIES sector, other undefined companies, companies in M 2 area or any other competitors across 12 key performance metrics.
pensions & life uk ltd Ownership
PENSIONS & LIFE UK LTD group structure
Pensions & Life Uk Ltd has no subsidiary companies.
Ultimate parent company
PENSIONS & LIFE UK LTD
09231187
pensions & life uk ltd directors
Pensions & Life Uk Ltd currently has 2 directors. The longest serving directors include Mr Phillip Nunn (Sep 2014) and Mr Patrick McCreesh (Sep 2014).
| officer | country | age | start | end | role |
|---|---|---|---|---|---|
| Mr Phillip Nunn | United Kingdom | 46 years | Sep 2014 | - | Director |
| Mr Patrick McCreesh | 45 years | Sep 2014 | - | Director |
P&L
September 2018turnover
972.2k
+21%
operating profit
-45k
0%
gross margin
59.3%
-0.39%
turnover
Turnover, or revenue, is the amount of sales generated by a company within the financial year.
Balance Sheet
September 2018net assets
-37.9k
-6.33%
total assets
221.4k
-0.56%
cash
2.1k
+6.36%
net assets
Total assets minus all liabilities
pensions & life uk ltd company details
company number
09231187
Type
Private limited with Share Capital
industry
64999 - Other financial service activities, except insurance and pension funding, (not including security dealing on own account and factoring) n.e.c.
incorporation date
September 2014
age
11
incorporated
UK
ultimate parent company
accounts
Total Exemption Full
last accounts submitted
September 2018
previous names
N/A
accountant
-
auditor
-
address
53 king street, manchester, greater manchester, M2 4LQ
Bank
-
Legal Advisor
-
pensions & life uk 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 pensions & life uk ltd.
pensions & life uk 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.
Click to start generating capital raising & share issue transactions for PENSIONS & LIFE UK LTD. This can take several minutes, an email will notify you when this has completed.
pensions & life uk ltd Companies House Filings - See Documents
| date | description | view/download |
|---|
