be clever with your cash ltd
be clever with your cash ltd Company Information
Company Number
09733648
Next Accounts
Sep 2025
Shareholders
smart money people limited
Group Structure
View All
Industry
Other business support service activities n.e.c.
Registered Address
ebbisham house 30 church street, epsom, KT17 4NL
Website
becleverwithyourcash.combe clever with your cash ltd Estimated Valuation
Pomanda estimates the enterprise value of BE CLEVER WITH YOUR CASH LTD at £292.8k based on a Turnover of £716.9k and 0.41x industry multiple (adjusted for size and gross margin).
be clever with your cash ltd Estimated Valuation
Pomanda estimates the enterprise value of BE CLEVER WITH YOUR CASH LTD at £115.1k based on an EBITDA of £39.2k and a 2.94x industry multiple (adjusted for size and gross margin).
be clever with your cash ltd Estimated Valuation
Pomanda estimates the enterprise value of BE CLEVER WITH YOUR CASH LTD at £408.9k based on Net Assets of £178.2k and 2.3x industry multiple (adjusted for liquidity).
Edit your figures and get a professional valuation report.
Be Clever With Your Cash Ltd Overview
Be Clever With Your Cash Ltd is a live company located in epsom, KT17 4NL with a Companies House number of 09733648. It operates in the other business support service activities n.e.c. sector, SIC Code 82990. Founded in August 2015, it's largest shareholder is smart money people limited with a 100% stake. Be Clever With Your Cash Ltd is a established, small sized company, Pomanda has estimated its turnover at £716.9k with rapid growth in recent years.
Upgrade for unlimited company reports & a free credit check
Be Clever With Your Cash Ltd Health Check
Pomanda's financial health check has awarded Be Clever With Your Cash Ltd 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 £716.9k, make it smaller than the average company (£4.8m)
- Be Clever With Your Cash Ltd
£4.8m - Industry AVG
Growth
3 year (CAGR) sales growth of 41%, show it is growing at a faster rate (6.7%)
- Be Clever With Your Cash Ltd
6.7% - Industry AVG
Production
with a gross margin of 16.9%, this company has a higher cost of product (38.2%)
- Be Clever With Your Cash Ltd
38.2% - Industry AVG
Profitability
an operating margin of 5.5% make it as profitable than the average company (5.7%)
- Be Clever With Your Cash Ltd
5.7% - Industry AVG
Employees
with 2 employees, this is below the industry average (27)
2 - Be Clever With Your Cash Ltd
27 - Industry AVG
Pay Structure
on an average salary of £53.9k, the company has an equivalent pay structure (£53.9k)
- Be Clever With Your Cash Ltd
£53.9k - Industry AVG
Efficiency
resulting in sales per employee of £358.5k, this is more efficient (£171.6k)
- Be Clever With Your Cash Ltd
£171.6k - Industry AVG
Debtor Days
it gets paid by customers after 153 days, this is later than average (42 days)
- Be Clever With Your Cash Ltd
42 days - Industry AVG
Creditor Days
its suppliers are paid after 79 days, this is slower than average (32 days)
- Be Clever With Your Cash Ltd
32 days - Industry AVG
Stock Days
There is insufficient data available for this Key Performance Indicator!
- Be Clever With Your Cash Ltd
- - Industry AVG
Cash Balance
There is insufficient data available for this Key Performance Indicator!
- - Be Clever With Your Cash Ltd
- - Industry AVG
Debt Level
it has a ratio of liabilities to total assets of 42%, this is a lower level of debt than the average (62.6%)
42% - Be Clever With Your Cash Ltd
62.6% - Industry AVG
BE CLEVER WITH YOUR CASH LTD financials
Be Clever With Your Cash Ltd's latest turnover from December 2023 is estimated at £716.9 thousand and the company has net assets of £178.2 thousand. According to their latest financial statements, Be Clever With Your Cash Ltd has 2 employees and maintains cash reserves of 0 as reported in the balance sheet.
Data source: Companies House, Pomanda Estimates
| Dec 2023 | Dec 2022 | Aug 2021 | Aug 2020 | Aug 2019 | Aug 2018 | Aug 2017 | Aug 2016 | |
|---|---|---|---|---|---|---|---|---|
| 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 | 1 | 1 | 1 | 1 | ||
| EBITDA* |
* Earnings Before Interest, Tax, Depreciation and Amortisation
| Dec 2023 | Dec 2022 | Aug 2021 | Aug 2020 | Aug 2019 | Aug 2018 | Aug 2017 | Aug 2016 | |
|---|---|---|---|---|---|---|---|---|
| Tangible Assets | 5,319 | 0 | 0 | 47 | 282 | 581 | 539 | 0 |
| Intangible Assets | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 |
| Investments & Other | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 |
| Debtors (Due After 1 year) | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 |
| Total Fixed Assets | 5,319 | 0 | 0 | 47 | 282 | 581 | 539 | 0 |
| Stock & work in progress | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 |
| Trade Debtors | 302,027 | 198,765 | 126,226 | 116,759 | 105,961 | 79,902 | 62,209 | 0 |
| Group Debtors | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 |
| Misc Debtors | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 |
| Cash | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 12,297 |
| misc current assets | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 |
| total current assets | 302,027 | 198,765 | 126,226 | 116,759 | 105,961 | 79,902 | 62,209 | 12,297 |
| total assets | 307,346 | 198,765 | 126,226 | 116,806 | 106,243 | 80,483 | 62,748 | 12,297 |
| Bank overdraft | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 |
| Bank loan | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 |
| Trade Creditors | 129,172 | 49,960 | 20,296 | 23,419 | 37,704 | 29,907 | 24,801 | 11,732 |
| Group/Directors Accounts | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 |
| other short term finances | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 |
| hp & lease commitments | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 |
| other current liabilities | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 |
| total current liabilities | 129,172 | 49,960 | 20,296 | 23,419 | 37,704 | 29,907 | 24,801 | 11,732 |
| loans | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 |
| hp & lease commitments | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 |
| Accruals and Deferred Income | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 |
| other liabilities | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 |
| provisions | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 |
| total long term liabilities | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 |
| total liabilities | 129,172 | 49,960 | 20,296 | 23,419 | 37,704 | 29,907 | 24,801 | 11,732 |
| net assets | 178,174 | 148,805 | 105,930 | 93,387 | 68,539 | 50,576 | 37,947 | 565 |
| total shareholders funds | 178,174 | 148,805 | 105,930 | 93,387 | 68,539 | 50,576 | 37,947 | 565 |
| Dec 2023 | Dec 2022 | Aug 2021 | Aug 2020 | Aug 2019 | Aug 2018 | Aug 2017 | Aug 2016 | |
|---|---|---|---|---|---|---|---|---|
| Operating Activities | ||||||||
| Operating Profit | ||||||||
| Depreciation | 0 | 0 | 0 | |||||
| Amortisation | 0 | 0 | 0 | |||||
| Tax | ||||||||
| Stock | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 |
| Debtors | 103,262 | 72,539 | 9,467 | 10,798 | 26,059 | 17,693 | 62,209 | 0 |
| Creditors | 79,212 | 29,664 | -3,123 | -14,285 | 7,797 | 5,106 | 13,069 | 11,732 |
| Accruals and Deferred Income | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 |
| Deferred Taxes & Provisions | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 |
| Cash flow from operations | ||||||||
| Investing Activities | ||||||||
| capital expenditure | ||||||||
| Change in Investments | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 |
| cash flow from investments | ||||||||
| Financing Activities | ||||||||
| Bank loans | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 |
| Group/Directors Accounts | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 |
| Other Short Term Loans | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 |
| Long term loans | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 |
| Hire Purchase and Lease Commitments | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 |
| other long term liabilities | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 |
| share issue | ||||||||
| interest | ||||||||
| cash flow from financing | ||||||||
| cash and cash equivalents | ||||||||
| cash | 0 | 0 | 0 | 0 | 0 | 0 | -12,297 | 12,297 |
| overdraft | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 |
| change in cash | 0 | 0 | 0 | 0 | 0 | 0 | -12,297 | 12,297 |
be clever with your cash ltd Credit Report and Business Information
Be Clever With Your Cash Ltd Competitor Analysis
Perform a competitor analysis for be clever with your cash ltd by selecting its closest rivals, whether from the ADMINISTRATIVE AND SUPPORT SERVICE ACTIVITIES sector, other small companies, companies in KT17 area or any other competitors across 12 key performance metrics.
be clever with your cash ltd Ownership
BE CLEVER WITH YOUR CASH LTD group structure
Be Clever With Your Cash Ltd has no subsidiary companies.
Ultimate parent company
BE CLEVER WITH YOUR CASH LTD
09733648
be clever with your cash ltd directors
Be Clever With Your Cash Ltd currently has 2 directors. The longest serving directors include Mr Patrick Muir (Mar 2023) and Ms Jacqueline Dewey (Mar 2023).
| officer | country | age | start | end | role |
|---|---|---|---|---|---|
| Mr Patrick Muir | England | 59 years | Mar 2023 | - | Director |
| Ms Jacqueline Dewey | England | 58 years | Mar 2023 | - | Director |
P&L
December 2023turnover
716.9k
+64%
operating profit
39.2k
0%
gross margin
17%
-0.72%
turnover
Turnover, or revenue, is the amount of sales generated by a company within the financial year.
Balance Sheet
December 2023net assets
178.2k
+0.2%
total assets
307.3k
+0.55%
cash
0
0%
net assets
Total assets minus all liabilities
Similar Companies
be clever with your cash ltd company details
company number
09733648
Type
Private limited with Share Capital
industry
82990 - Other business support service activities n.e.c.
incorporation date
August 2015
age
10
incorporated
UK
ultimate parent company
accounts
Micro-Entity Accounts
last accounts submitted
December 2023
previous names
N/A
accountant
-
auditor
-
address
ebbisham house 30 church street, epsom, KT17 4NL
Bank
-
Legal Advisor
-
be clever with your cash 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 be clever with your cash ltd.
be clever with your cash 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 BE CLEVER WITH YOUR CASH LTD. This can take several minutes, an email will notify you when this has completed.
be clever with your cash ltd Companies House Filings - See Documents
| date | description | view/download |
|---|
