pensionhelp limited

Live EstablishedSmallDeclining

pensionhelp limited Company Information

Share PENSIONHELP LIMITED

Company Number

09437056

Directors

Mark Wilson

John Stevenson

View All

Shareholders

nicola stevenson

john stevenson

View All

Group 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

pensionhelp limited Estimated Valuation

£6.1m

Pomanda estimates the enterprise value of PENSIONHELP LIMITED at £6.1m based on a Turnover of £3.6m and 1.72x industry multiple (adjusted for size and gross margin).

pensionhelp limited Estimated Valuation

£2.8m

Pomanda estimates the enterprise value of PENSIONHELP LIMITED at £2.8m based on an EBITDA of £469.2k and a 6.04x industry multiple (adjusted for size and gross margin).

pensionhelp limited Estimated Valuation

£6.5m

Pomanda estimates the enterprise value of PENSIONHELP LIMITED at £6.5m based on Net Assets of £5m and 1.29x 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.

View Sample
View Sample
View Sample

Upgrade for unlimited company reports & a free credit check

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

Health Check Image
Health Rating4out of 5
positive_score

6 Strong

positive_score

0 Regular

positive_score

5 Weak

size

Size

annual sales of £3.6m, make it smaller than the average company (£5.2m)

£3.6m - Pensionhelp Limited

£5.2m - Industry AVG

growth

Growth

3 year (CAGR) sales growth of -39%, show it is growing at a slower rate (6.6%)

-39% - Pensionhelp Limited

6.6% - Industry AVG

production

Production

with a gross margin of 72.9%, this company has a lower cost of product (55.8%)

72.9% - Pensionhelp Limited

55.8% - Industry AVG

profitability

Profitability

an operating margin of 6.3% make it less profitable than the average company (9.3%)

6.3% - Pensionhelp Limited

9.3% - Industry AVG

employees

Employees

with 48 employees, this is above the industry average (12)

48 - Pensionhelp Limited

12 - Industry AVG

paystructure

Pay Structure

on an average salary of £55.2k, the company has a lower pay structure (£79.9k)

£55.2k - Pensionhelp Limited

£79.9k - Industry AVG

efficiency

Efficiency

resulting in sales per employee of £74.2k, this is less efficient (£217.6k)

£74.2k - Pensionhelp Limited

£217.6k - Industry AVG

debtordays

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

creditordays

Creditor Days

its suppliers are paid after 78 days, this is slower than average (41 days)

78 days - Pensionhelp Limited

41 days - Industry AVG

stockdays

Stock Days

There is insufficient data available for this Key Performance Indicator!

- - Pensionhelp Limited

- - Industry AVG

cashbalance

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

debtlevel

Debt Level

it has a ratio of liabilities to total assets of 18.2%, this is a lower level of debt than the average (68.5%)

18.2% - Pensionhelp Limited

68.5% - Industry AVG

PENSIONHELP LIMITED financials

EXPORTms excel logo

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 HousePomanda Estimates

Mar 2024Mar 2023Mar 2022Mar 2021Mar 2020Mar 2019Mar 2018Mar 2017Mar 2016
Turnover3,559,7529,966,10316,942,89115,378,06811,378,3197,128,6055,188,1452,352,057338,866
Other Income Or Grants000000000
Cost Of Sales964,4662,522,4834,162,2754,503,1904,430,8032,854,6412,069,524906,054117,805
Gross Profit2,595,2867,443,62012,780,61610,874,8786,947,5174,273,9653,118,6211,446,003221,061
Admin Expenses2,369,5126,181,2806,529,0834,619,3365,643,0785,508,5871,864,130566,674128,212
Operating Profit225,7741,262,3406,251,5336,255,5421,304,439-1,234,6221,254,491879,32992,849
Interest Payable3,0053,0052,27261,16226,5728,8408408070
Interest Receivable228,90969,17573608167,6155,3331,037232
Pre-Tax Profit451,6781,328,5102,357,1645,994,3801,278,683-1,235,8471,258,984879,55993,081
Tax-132,833-244,066-404,296-1,131,756-242,9500-239,207-175,912-18,616
Profit After Tax318,8451,084,4441,952,8684,862,6241,035,733-1,235,8471,019,777703,64774,465
Dividends Paid2,334,280401,136401,1361,633,81000000
Retained Profit-2,015,435683,3081,551,7323,228,8141,035,733-1,235,8471,019,777703,64774,465
Employee Costs2,648,8014,889,1554,876,2213,533,3042,963,9253,002,3252,506,670753,864121,786
Number Of Employees4810410275434438122
EBITDA*469,1911,530,4086,407,1566,327,2801,375,683-1,158,8461,316,279902,845106,918

* Earnings Before Interest, Tax, Depreciation and Amortisation

Mar 2024Mar 2023Mar 2022Mar 2021Mar 2020Mar 2019Mar 2018Mar 2017Mar 2016
Tangible Assets205,334410,293594,039205,229105,260102,344151,60947,14941,229
Intangible Assets9,73017,33528,285000000
Investments & Other000000000
Debtors (Due After 1 year)120,000120,000120,000120,000120,000100,000000
Total Fixed Assets335,064547,628742,324325,229225,260202,344151,60947,14941,229
Stock & work in progress000000000
Trade Debtors631,181900,7902,382,3192,248,6221,759,563772,865428,389338,54446,398
Group Debtors06,2290270,93930,28227,0618,41800
Misc Debtors533,268405,770923,95552,251921,620298,2691,061,145410,134101,354
Cash4,671,5518,254,9948,364,0154,796,701996,613634,5261,396,121737,04692,708
misc current assets000000000
total current assets5,836,0009,567,78311,670,2897,368,5133,708,0781,732,7212,894,0731,485,724240,460
total assets6,171,06410,115,41112,412,6137,693,7423,933,3381,935,0653,045,6821,532,873281,689
Bank overdraft00021,880609,300261,920000
Bank loan000000000
Trade Creditors 206,255112,878134,050161,777167,80371,29083,0284,27611,221
Group/Directors Accounts2,4860067,397000100,0000
other short term finances000000025,8390
hp & lease commitments31,68931,69031,68914,68900000
other current liabilities841,601853,0191,796,7702,318,2501,538,3611,020,2681,135,859624,546195,903
total current liabilities1,082,031997,5871,962,5092,583,9932,315,4641,353,4781,218,887754,661207,124
loans000000000
hp & lease commitments25,50057,18888,87744,06600000
Accruals and Deferred Income000000000
other liabilities000000000
provisions17,2391,998,9073,982,806238,99419,99919,44528,80600
total long term liabilities42,7392,056,0954,071,683283,06019,99919,44528,80600
total liabilities1,124,7703,053,6826,034,1922,867,0532,335,4631,372,9231,247,693754,661207,124
net assets5,046,2947,061,7296,378,4214,826,6891,597,875562,1421,797,989778,21274,565
total shareholders funds5,046,2947,061,7296,378,4214,826,6891,597,875562,1421,797,989778,21274,565
Mar 2024Mar 2023Mar 2022Mar 2021Mar 2020Mar 2019Mar 2018Mar 2017Mar 2016
Operating Activities
Operating Profit225,7741,262,3406,251,5336,255,5421,304,439-1,234,6221,254,491879,32992,849
Depreciation231,546257,118150,72871,73871,24475,77661,78823,51614,069
Amortisation11,87110,9504,895000000
Tax-132,833-244,066-404,296-1,131,756-242,9500-239,207-175,912-18,616
Stock000000000
Debtors-148,340-1,993,485734,462-139,6531,633,270-299,757749,274600,926147,752
Creditors93,377-21,172-27,727-6,02696,513-11,73878,752-6,94511,221
Accruals and Deferred Income-11,418-943,751-521,480779,889518,093-115,591511,313428,643195,903
Deferred Taxes & Provisions-1,981,668-1,983,8993,743,812218,995554-9,36128,80600
Cash flow from operations-1,415,011331,0058,463,0036,328,035114,623-995,779946,669547,705147,674
Investing Activities
capital expenditure0000-74,160-26,511-166,248-29,436-55,298
Change in Investments000000000
cash flow from investments0000-74,160-26,511-166,248-29,436-55,298
Financing Activities
Bank loans000000000
Group/Directors Accounts2,4860-67,39767,39700-100,000100,0000
Other Short Term Loans 000000-25,83925,8390
Long term loans000000000
Hire Purchase and Lease Commitments-31,689-31,68861,81158,75500000
other long term liabilities000000000
share issue00000000100
interest225,90466,170-1,536-61,162-25,756-1,2254,493230232
cash flow from financing196,70134,482-7,12264,990-25,756-1,225-121,346126,069332
cash and cash equivalents
cash-3,583,443-109,0213,567,3143,800,088362,087-761,595659,075644,33892,708
overdraft00-21,880-587,420347,380261,920000
change in cash-3,583,443-109,0213,589,1944,387,50814,707-1,023,515659,075644,33892,708

pensionhelp limited 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 pensionhelp limited. Get real-time insights into pensionhelp limited's credit score, group structure and payment trends.

From as little as £6.99

This will not impact your credit rating!

View Credit Report Sample

Pensionhelp Limited Competitor Analysis

competitor_analysis_table_img

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 Shareholders

nicola stevenson 35%
john stevenson 35%
kerry wilson 30%

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).

officercountryagestartendrole
Mr Mark WilsonUnited Kingdom53 years Feb 2015- Director
Mr John Stevenson55 years Feb 2015- Director
Mrs Kerry WilsonEngland54 years Jul 2017- Director
Mr Darren Hardy-DearnessUnited Kingdom51 years Feb 2018- Director

P&L

March 2024

turnover

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 2024

net 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

None

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

datedescriptionview/download