adviser finance limited
adviser finance limited Company Information
Company Number
09930970
Next Accounts
Sep 2025
Shareholders
gregory michael charlton
tanya coghlan
View AllGroup Structure
View All
Industry
Activities of insurance agents and brokers
Registered Address
49 high street, hanham, bristol, BS15 3DQ
adviser finance limited Estimated Valuation
Pomanda estimates the enterprise value of ADVISER FINANCE LIMITED at £386.7k based on a Turnover of £482.2k and 0.8x industry multiple (adjusted for size and gross margin).
adviser finance limited Estimated Valuation
Pomanda estimates the enterprise value of ADVISER FINANCE LIMITED at £48.7k based on an EBITDA of £10k and a 4.88x industry multiple (adjusted for size and gross margin).
adviser finance limited Estimated Valuation
Pomanda estimates the enterprise value of ADVISER FINANCE LIMITED at £275.9k based on Net Assets of £145.3k and 1.9x industry multiple (adjusted for liquidity).
Edit your figures and get a professional valuation report.
Adviser Finance Limited Overview
Adviser Finance Limited is a live company located in bristol, BS15 3DQ with a Companies House number of 09930970. It operates in the activities of insurance agents and brokers sector, SIC Code 66220. Founded in December 2015, it's largest shareholder is gregory michael charlton with a 73.5% stake. Adviser Finance Limited is a established, micro sized company, Pomanda has estimated its turnover at £482.2k with declining growth in recent years.
Upgrade for unlimited company reports & a free credit check
Adviser Finance Limited Health Check
Pomanda's financial health check has awarded Adviser Finance Limited a 1.5 rating. We use a traffic light system to show it exceeds the industry average on 1 measures and has 8 areas for improvement. Company Health Check FAQs
1 Strong
1 Regular
8 Weak
Size
annual sales of £482.2k, make it smaller than the average company (£2.9m)
- Adviser Finance Limited
£2.9m - Industry AVG
Growth
3 year (CAGR) sales growth of -21%, show it is growing at a slower rate (6.7%)
- Adviser Finance Limited
6.7% - Industry AVG
Production
with a gross margin of 60.6%, this company has a higher cost of product (94.6%)
- Adviser Finance Limited
94.6% - Industry AVG
Profitability
an operating margin of 2.1% make it less profitable than the average company (19.6%)
- Adviser Finance Limited
19.6% - Industry AVG
Employees
with 7 employees, this is below the industry average (18)
7 - Adviser Finance Limited
18 - Industry AVG
Pay Structure
on an average salary of £52.4k, the company has an equivalent pay structure (£52.4k)
- Adviser Finance Limited
£52.4k - Industry AVG
Efficiency
resulting in sales per employee of £68.9k, this is less efficient (£126.4k)
- Adviser Finance Limited
£126.4k - Industry AVG
Debtor Days
it gets paid by customers after 164 days, this is later than average (73 days)
- Adviser Finance Limited
73 days - Industry AVG
Creditor Days
its suppliers are paid after 114 days, this is quicker than average (150 days)
- Adviser Finance Limited
150 days - Industry AVG
Stock Days
There is insufficient data available for this Key Performance Indicator!
- Adviser Finance Limited
- - Industry AVG
Cash Balance
There is insufficient data available for this Key Performance Indicator!
- - Adviser Finance Limited
- - Industry AVG
Debt Level
it has a ratio of liabilities to total assets of 33.9%, this is a lower level of debt than the average (58%)
33.9% - Adviser Finance Limited
58% - Industry AVG
ADVISER FINANCE LIMITED financials
Adviser Finance Limited's latest turnover from December 2023 is estimated at £482.2 thousand and the company has net assets of £145.3 thousand. According to their latest financial statements, Adviser Finance Limited has 7 employees and maintains cash reserves of 0 as reported in the balance sheet.
Data source: Companies House, Pomanda Estimates
| Dec 2023 | Dec 2022 | Dec 2021 | Dec 2020 | Dec 2019 | Dec 2018 | Dec 2017 | Dec 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 | 7 | 10 | 12 | 19 | 5 | 12 | ||
| EBITDA* |
* Earnings Before Interest, Tax, Depreciation and Amortisation
| Dec 2023 | Dec 2022 | Dec 2021 | Dec 2020 | Dec 2019 | Dec 2018 | Dec 2017 | Dec 2016 | |
|---|---|---|---|---|---|---|---|---|
| Tangible Assets | 2,003 | 3,600 | 5,835 | 4,423 | 905 | 1,660 | 340 | |
| Intangible Assets | ||||||||
| Investments & Other | ||||||||
| Debtors (Due After 1 year) | ||||||||
| Total Fixed Assets | 2,003 | 3,600 | 5,835 | 4,423 | 905 | 1,660 | 340 | |
| Stock & work in progress | ||||||||
| Trade Debtors | 217,863 | 237,644 | 207,912 | 170,672 | 72,557 | 30,872 | 27,896 | 6,224 |
| Group Debtors | ||||||||
| Misc Debtors | ||||||||
| Cash | 3,458 | |||||||
| misc current assets | ||||||||
| total current assets | 217,863 | 237,644 | 207,912 | 170,672 | 72,557 | 30,872 | 27,896 | 9,682 |
| total assets | 219,866 | 241,244 | 213,747 | 175,095 | 73,462 | 32,532 | 28,236 | 9,682 |
| Bank overdraft | ||||||||
| Bank loan | ||||||||
| Trade Creditors | 59,461 | 78,704 | 82,033 | 73,865 | 58,156 | 93,713 | 64,165 | 39,199 |
| Group/Directors Accounts | ||||||||
| other short term finances | ||||||||
| hp & lease commitments | ||||||||
| other current liabilities | ||||||||
| total current liabilities | 59,461 | 78,704 | 82,033 | 73,865 | 58,156 | 93,713 | 64,165 | 39,199 |
| loans | ||||||||
| hp & lease commitments | ||||||||
| Accruals and Deferred Income | ||||||||
| other liabilities | 15,131 | 24,757 | 34,383 | 41,667 | ||||
| provisions | ||||||||
| total long term liabilities | 15,131 | 24,757 | 34,383 | 41,667 | ||||
| total liabilities | 74,592 | 103,461 | 116,416 | 115,532 | 58,156 | 93,713 | 64,165 | 39,199 |
| net assets | 145,274 | 137,783 | 97,331 | 59,563 | 15,306 | -61,181 | -35,929 | -29,517 |
| total shareholders funds | 145,274 | 137,783 | 97,331 | 59,563 | 15,306 | -61,181 | -35,929 | -29,517 |
| Dec 2023 | Dec 2022 | Dec 2021 | Dec 2020 | Dec 2019 | Dec 2018 | Dec 2017 | Dec 2016 | |
|---|---|---|---|---|---|---|---|---|
| Operating Activities | ||||||||
| Operating Profit | ||||||||
| Depreciation | ||||||||
| Amortisation | ||||||||
| Tax | ||||||||
| Stock | ||||||||
| Debtors | -19,781 | 29,732 | 37,240 | 98,115 | 41,685 | 2,976 | 21,672 | 6,224 |
| Creditors | -19,243 | -3,329 | 8,168 | 15,709 | -35,557 | 29,548 | 24,966 | 39,199 |
| Accruals and Deferred Income | ||||||||
| Deferred Taxes & Provisions | ||||||||
| Cash flow from operations | ||||||||
| Investing Activities | ||||||||
| capital expenditure | ||||||||
| Change in Investments | ||||||||
| cash flow from investments | ||||||||
| Financing Activities | ||||||||
| Bank loans | ||||||||
| Group/Directors Accounts | ||||||||
| Other Short Term Loans | ||||||||
| Long term loans | ||||||||
| Hire Purchase and Lease Commitments | ||||||||
| other long term liabilities | -9,626 | -9,626 | -7,284 | 41,667 | ||||
| share issue | ||||||||
| interest | ||||||||
| cash flow from financing | ||||||||
| cash and cash equivalents | ||||||||
| cash | -3,458 | 3,458 | ||||||
| overdraft | ||||||||
| change in cash | -3,458 | 3,458 |
adviser finance limited Credit Report and Business Information
Adviser Finance Limited Competitor Analysis
Perform a competitor analysis for adviser finance limited by selecting its closest rivals, whether from the FINANCIAL AND INSURANCE ACTIVITIES sector, other micro companies, companies in BS15 area or any other competitors across 12 key performance metrics.
adviser finance limited Ownership
ADVISER FINANCE LIMITED group structure
Adviser Finance Limited has no subsidiary companies.
Ultimate parent company
ADVISER FINANCE LIMITED
09930970
adviser finance limited directors
Adviser Finance Limited currently has 3 directors. The longest serving directors include Mr Gregory Charlton (Apr 2022) and Mr Gregory Charlton (Apr 2022).
| officer | country | age | start | end | role |
|---|---|---|---|---|---|
| Mr Gregory Charlton | England | 43 years | Apr 2022 | - | Director |
| Mr Gregory Charlton | England | 43 years | Apr 2022 | - | Director |
| Miss C Charlotte Dawson | England | 28 years | May 2022 | - | Director |
P&L
December 2023turnover
482.2k
-19%
operating profit
10k
0%
gross margin
60.7%
-1.75%
turnover
Turnover, or revenue, is the amount of sales generated by a company within the financial year.
Balance Sheet
December 2023net assets
145.3k
+0.05%
total assets
219.9k
-0.09%
cash
0
0%
net assets
Total assets minus all liabilities
adviser finance limited company details
company number
09930970
Type
Private limited with Share Capital
industry
66220 - Activities of insurance agents and brokers
incorporation date
December 2015
age
10
incorporated
UK
ultimate parent company
accounts
Micro-Entity Accounts
last accounts submitted
December 2023
previous names
adviser loan limited (September 2020)
accountant
-
auditor
-
address
49 high street, hanham, bristol, BS15 3DQ
Bank
-
Legal Advisor
-
adviser finance 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 adviser finance limited.
adviser finance 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 ADVISER FINANCE LIMITED. This can take several minutes, an email will notify you when this has completed.
adviser finance limited Companies House Filings - See Documents
| date | description | view/download |
|---|
