pensionhelp limited
pensionhelp limited Company Information
Company Number
09437056
Next Accounts
Dec 2025
Shareholders
nicola stevenson
john stevenson
View AllGroup Structure
View All
Industry
Other financial service activities, except insurance and pension funding, (not including security dealing on own account and factoring) n.e.c.
Registered Address
lloyds house 18-22 lloyd street, manchester, M2 5WA
Website
www.pensionhelp.co.ukpensionhelp limited Estimated Valuation
Pomanda estimates the enterprise value of PENSIONHELP LIMITED at £5.5m based on a Turnover of £3.6m and 1.55x industry multiple (adjusted for size and gross margin).
pensionhelp limited Estimated Valuation
Pomanda estimates the enterprise value of PENSIONHELP LIMITED at £2.5m based on an EBITDA of £469.2k and a 5.36x industry multiple (adjusted for size and gross margin).
pensionhelp limited Estimated Valuation
Pomanda estimates the enterprise value of PENSIONHELP LIMITED at £6.6m based on Net Assets of £5m and 1.31x industry multiple (adjusted for liquidity).
Edit your figures and get a professional valuation report.
Pensionhelp Limited Overview
Pensionhelp Limited is a live company located in manchester, M2 5WA with a Companies House number of 09437056. It operates in the financial intermediation not elsewhere classified sector, SIC Code 64999. Founded in February 2015, it's largest shareholder is nicola stevenson with a 35% stake. Pensionhelp Limited is a established, small sized company, Pomanda has estimated its turnover at £3.6m with declining growth in recent years.
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Pensionhelp Limited Health Check
Pomanda's financial health check has awarded Pensionhelp Limited a 4 rating. We use a traffic light system to show it exceeds the industry average on 6 measures and has 5 areas for improvement. Company Health Check FAQs
6 Strong
0 Regular
5 Weak
Size
annual sales of £3.6m, make it smaller than the average company (£5.3m)
£3.6m - Pensionhelp Limited
£5.3m - Industry AVG
Growth
3 year (CAGR) sales growth of -39%, show it is growing at a slower rate (6.7%)
-39% - Pensionhelp Limited
6.7% - Industry AVG
Production
with a gross margin of 72.9%, this company has a lower cost of product (55.6%)
72.9% - Pensionhelp Limited
55.6% - Industry AVG
Profitability
an operating margin of 6.3% make it less profitable than the average company (9.1%)
6.3% - Pensionhelp Limited
9.1% - Industry AVG
Employees
with 48 employees, this is above the industry average (12)
48 - Pensionhelp Limited
12 - Industry AVG
Pay Structure
on an average salary of £55.2k, the company has a lower pay structure (£79.7k)
£55.2k - Pensionhelp Limited
£79.7k - Industry AVG
Efficiency
resulting in sales per employee of £74.2k, this is less efficient (£217.3k)
£74.2k - Pensionhelp Limited
£217.3k - Industry AVG
Debtor Days
it gets paid by customers after 64 days, this is later than average (32 days)
64 days - Pensionhelp Limited
32 days - Industry AVG
Creditor Days
its suppliers are paid after 78 days, this is slower than average (41 days)
78 days - Pensionhelp Limited
41 days - Industry AVG
Stock Days
There is insufficient data available for this Key Performance Indicator!
- - Pensionhelp Limited
- - Industry AVG
Cash Balance
has cash to cover current liabilities for 224 weeks, this is more cash available to meet short term requirements (29 weeks)
224 weeks - Pensionhelp Limited
29 weeks - Industry AVG
Debt Level
it has a ratio of liabilities to total assets of 18.2%, this is a lower level of debt than the average (69.1%)
18.2% - Pensionhelp Limited
69.1% - Industry AVG
PENSIONHELP LIMITED financials
Pensionhelp Limited's latest turnover from March 2024 is £3.6 million and the company has net assets of £5 million. According to their latest financial statements, Pensionhelp Limited has 48 employees and maintains cash reserves of £4.7 million 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 | |
|---|---|---|---|---|---|---|---|---|---|
| Turnover | 3,559,752 | 9,966,103 | 16,942,891 | 15,378,068 | |||||
| Other Income Or Grants | |||||||||
| Cost Of Sales | 964,466 | 2,522,483 | 4,162,275 | 4,503,190 | |||||
| Gross Profit | 2,595,286 | 7,443,620 | 12,780,616 | 10,874,878 | |||||
| Admin Expenses | 2,369,512 | 6,181,280 | 6,529,083 | 4,619,336 | |||||
| Operating Profit | 225,774 | 1,262,340 | 6,251,533 | 6,255,542 | |||||
| Interest Payable | 3,005 | 3,005 | 2,272 | 61,162 | |||||
| Interest Receivable | 228,909 | 69,175 | 736 | ||||||
| Pre-Tax Profit | 451,678 | 1,328,510 | 2,357,164 | 5,994,380 | |||||
| Tax | -132,833 | -244,066 | -404,296 | -1,131,756 | |||||
| Profit After Tax | 318,845 | 1,084,444 | 1,952,868 | 4,862,624 | |||||
| Dividends Paid | 2,334,280 | 401,136 | 401,136 | 1,633,810 | |||||
| Retained Profit | -2,015,435 | 683,308 | 1,551,732 | 3,228,814 | |||||
| Employee Costs | 2,648,801 | 4,889,155 | 4,876,221 | 3,533,304 | |||||
| Number Of Employees | 48 | 104 | 102 | 75 | 43 | 44 | 38 | 12 | |
| EBITDA* | 469,191 | 1,530,408 | 6,407,156 | 6,327,280 |
* 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 | |
|---|---|---|---|---|---|---|---|---|---|
| Tangible Assets | 205,334 | 410,293 | 594,039 | 205,229 | 105,260 | 102,344 | 151,609 | 47,149 | 41,229 |
| Intangible Assets | 9,730 | 17,335 | 28,285 | ||||||
| Investments & Other | |||||||||
| Debtors (Due After 1 year) | 120,000 | 120,000 | 120,000 | 120,000 | 120,000 | 100,000 | |||
| Total Fixed Assets | 335,064 | 547,628 | 742,324 | 325,229 | 225,260 | 202,344 | 151,609 | 47,149 | 41,229 |
| Stock & work in progress | |||||||||
| Trade Debtors | 631,181 | 900,790 | 2,382,319 | 2,248,622 | 1,759,563 | 772,865 | 428,389 | 338,544 | 46,398 |
| Group Debtors | 6,229 | 270,939 | 30,282 | 27,061 | 8,418 | ||||
| Misc Debtors | 533,268 | 405,770 | 923,955 | 52,251 | 921,620 | 298,269 | 1,061,145 | 410,134 | 101,354 |
| Cash | 4,671,551 | 8,254,994 | 8,364,015 | 4,796,701 | 996,613 | 634,526 | 1,396,121 | 737,046 | 92,708 |
| misc current assets | |||||||||
| total current assets | 5,836,000 | 9,567,783 | 11,670,289 | 7,368,513 | 3,708,078 | 1,732,721 | 2,894,073 | 1,485,724 | 240,460 |
| total assets | 6,171,064 | 10,115,411 | 12,412,613 | 7,693,742 | 3,933,338 | 1,935,065 | 3,045,682 | 1,532,873 | 281,689 |
| Bank overdraft | 21,880 | 609,300 | 261,920 | ||||||
| Bank loan | |||||||||
| Trade Creditors | 206,255 | 112,878 | 134,050 | 161,777 | 167,803 | 71,290 | 83,028 | 4,276 | 11,221 |
| Group/Directors Accounts | 2,486 | 67,397 | 100,000 | ||||||
| other short term finances | 25,839 | ||||||||
| hp & lease commitments | 31,689 | 31,690 | 31,689 | 14,689 | |||||
| other current liabilities | 841,601 | 853,019 | 1,796,770 | 2,318,250 | 1,538,361 | 1,020,268 | 1,135,859 | 624,546 | 195,903 |
| total current liabilities | 1,082,031 | 997,587 | 1,962,509 | 2,583,993 | 2,315,464 | 1,353,478 | 1,218,887 | 754,661 | 207,124 |
| loans | |||||||||
| hp & lease commitments | 25,500 | 57,188 | 88,877 | 44,066 | |||||
| Accruals and Deferred Income | |||||||||
| other liabilities | |||||||||
| provisions | 17,239 | 1,998,907 | 3,982,806 | 238,994 | 19,999 | 19,445 | 28,806 | ||
| total long term liabilities | 42,739 | 2,056,095 | 4,071,683 | 283,060 | 19,999 | 19,445 | 28,806 | ||
| total liabilities | 1,124,770 | 3,053,682 | 6,034,192 | 2,867,053 | 2,335,463 | 1,372,923 | 1,247,693 | 754,661 | 207,124 |
| net assets | 5,046,294 | 7,061,729 | 6,378,421 | 4,826,689 | 1,597,875 | 562,142 | 1,797,989 | 778,212 | 74,565 |
| total shareholders funds | 5,046,294 | 7,061,729 | 6,378,421 | 4,826,689 | 1,597,875 | 562,142 | 1,797,989 | 778,212 | 74,565 |
| Mar 2024 | Mar 2023 | Mar 2022 | Mar 2021 | Mar 2020 | Mar 2019 | Mar 2018 | Mar 2017 | Mar 2016 | |
|---|---|---|---|---|---|---|---|---|---|
| Operating Activities | |||||||||
| Operating Profit | 225,774 | 1,262,340 | 6,251,533 | 6,255,542 | |||||
| Depreciation | 231,546 | 257,118 | 150,728 | 71,738 | 71,244 | 75,776 | 61,788 | 23,516 | 14,069 |
| Amortisation | 11,871 | 10,950 | 4,895 | ||||||
| Tax | -132,833 | -244,066 | -404,296 | -1,131,756 | |||||
| Stock | |||||||||
| Debtors | -148,340 | -1,993,485 | 734,462 | -139,653 | 1,633,270 | -299,757 | 749,274 | 600,926 | 147,752 |
| Creditors | 93,377 | -21,172 | -27,727 | -6,026 | 96,513 | -11,738 | 78,752 | -6,945 | 11,221 |
| Accruals and Deferred Income | -11,418 | -943,751 | -521,480 | 779,889 | 518,093 | -115,591 | 511,313 | 428,643 | 195,903 |
| Deferred Taxes & Provisions | -1,981,668 | -1,983,899 | 3,743,812 | 218,995 | 554 | -9,361 | 28,806 | ||
| Cash flow from operations | -1,415,011 | 331,005 | 8,463,003 | 6,328,035 | |||||
| Investing Activities | |||||||||
| capital expenditure | |||||||||
| Change in Investments | |||||||||
| cash flow from investments | |||||||||
| Financing Activities | |||||||||
| Bank loans | |||||||||
| Group/Directors Accounts | 2,486 | -67,397 | 67,397 | -100,000 | 100,000 | ||||
| Other Short Term Loans | -25,839 | 25,839 | |||||||
| Long term loans | |||||||||
| Hire Purchase and Lease Commitments | -31,689 | -31,688 | 61,811 | 58,755 | |||||
| other long term liabilities | |||||||||
| share issue | |||||||||
| interest | 225,904 | 66,170 | -1,536 | -61,162 | |||||
| cash flow from financing | 196,701 | 34,482 | -7,122 | 64,990 | |||||
| cash and cash equivalents | |||||||||
| cash | -3,583,443 | -109,021 | 3,567,314 | 3,800,088 | 362,087 | -761,595 | 659,075 | 644,338 | 92,708 |
| overdraft | -21,880 | -587,420 | 347,380 | 261,920 | |||||
| change in cash | -3,583,443 | -109,021 | 3,589,194 | 4,387,508 | 14,707 | -1,023,515 | 659,075 | 644,338 | 92,708 |
pensionhelp limited Credit Report and Business Information
Pensionhelp Limited Competitor Analysis
Perform a competitor analysis for pensionhelp limited by selecting its closest rivals, whether from the FINANCIAL AND INSURANCE ACTIVITIES sector, other small companies, companies in M 2 area or any other competitors across 12 key performance metrics.
pensionhelp limited Ownership
PENSIONHELP LIMITED group structure
Pensionhelp Limited has no subsidiary companies.
Ultimate parent company
PENSIONHELP LIMITED
09437056
pensionhelp limited directors
Pensionhelp Limited currently has 4 directors. The longest serving directors include Mr Mark Wilson (Feb 2015) and Mr John Stevenson (Feb 2015).
| officer | country | age | start | end | role |
|---|---|---|---|---|---|
| Mr Mark Wilson | United Kingdom | 53 years | Feb 2015 | - | Director |
| Mr John Stevenson | 55 years | Feb 2015 | - | Director | |
| Mrs Kerry Wilson | England | 54 years | Jul 2017 | - | Director |
| Mr Darren Hardy-Dearness | United Kingdom | 51 years | Feb 2018 | - | Director |
P&L
March 2024turnover
3.6m
-64%
operating profit
225.8k
-82%
gross margin
73%
-2.39%
turnover
Turnover, or revenue, is the amount of sales generated by a company within the financial year.
Balance Sheet
March 2024net assets
5m
-0.29%
total assets
6.2m
-0.39%
cash
4.7m
-0.43%
net assets
Total assets minus all liabilities
pensionhelp limited company details
company number
09437056
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
February 2015
age
10
incorporated
UK
ultimate parent company
accounts
Group
last accounts submitted
March 2024
previous names
N/A
accountant
-
auditor
CLARKE NICKLIN LLP
address
lloyds house 18-22 lloyd street, manchester, M2 5WA
Bank
-
Legal Advisor
-
pensionhelp 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 3 charges/mortgages relating to pensionhelp limited. Currently there are 0 open charges and 3 have been satisfied in the past.
pensionhelp limited 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 PENSIONHELP LIMITED. This can take several minutes, an email will notify you when this has completed.
pensionhelp limited Companies House Filings - See Documents
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