utmost life and pensions limitedEstimated Valuation
£0
Pomanda estimates the enterprise value of UTMOST LIFE AND PENSIONS LIMITED at £0 based on a Turnover of £-6.5m and 0.45x industry multiple (adjusted for size and gross margin).
utmost life and pensions limitedEstimated Valuation
£136.7m
Pomanda estimates the enterprise value of UTMOST LIFE AND PENSIONS LIMITED at £136.7m based on an EBITDA of £31.5m and a 4.33x industry multiple (adjusted for size and gross margin).
utmost life and pensions limitedEstimated Valuation
£248.3m
Pomanda estimates the enterprise value of UTMOST LIFE AND PENSIONS LIMITED at £248.3m based on Net Assets of £159.5m and 1.56x industry multiple (adjusted for liquidity).
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Utmost Life And Pensions LimitedOverview
Utmost Life And Pensions Limited is a live company located in aylesbury, HP21 7QW with a Companies House number of 10559664. It operates in the life insurance sector, SIC Code 65110. Founded in January 2017, it's largest shareholder is
utmost life & pensions holdings limited
with a 100% stake. Utmost Life And Pensions Limited is a young,
micro sized company, Pomanda has estimated its turnover at
£-6.5m with
unknown
growth in recent years.
Pomanda's financial health check has awarded Utmost Life And Pensions Limited a 3 rating. We use a traffic light system to show it exceeds the industry average on 3 measures and has 4 areas for improvement. Company Health Check FAQs
Health Rating3out of 5
3 Strong
3 Regular
4 Weak
Size
annual sales of £-6.5m, make it smaller than the average company (£1.2m)
£-6.5m - Utmost Life And Pensions Limited
£1.2m - Industry AVG
Growth
There is insufficient data available for this Key Performance Indicator!
- - Utmost Life And Pensions Limited
- - Industry AVG
Production
with a gross margin of 99.7%, this company has a comparable cost of product (99.7%)
99.7% - Utmost Life And Pensions Limited
99.7% - Industry AVG
Profitability
an operating margin of -485.3% make it less profitable than the average company (7.5%)
-485.3% - Utmost Life And Pensions Limited
7.5% - Industry AVG
Employees
with 150 employees, this is above the industry average (16)
150 - Utmost Life And Pensions Limited
16 - Industry AVG
Pay Structure
on an average salary of £72k, the company has an equivalent pay structure (£61.7k)
£72k - Utmost Life And Pensions Limited
£61.7k - Industry AVG
Efficiency
resulting in sales per employee of £-43.3k, this is less efficient (£138.2k)
£-43.3k - Utmost Life And Pensions Limited
£138.2k - Industry AVG
Debtor Days
it gets paid by customers after -89 days, this is earlier than average (236 days)
-89 days - Utmost Life And Pensions Limited
236 days - Industry AVG
Creditor Days
its suppliers are paid after -65688 days, this is quicker than average (23 days)
-65688 days - Utmost Life And Pensions Limited
23 days - Industry AVG
Stock Days
There is insufficient data available for this Key Performance Indicator!
- - Utmost Life And Pensions Limited
- - Industry AVG
Cash Balance
has cash to cover current liabilities
for 142 weeks, this is more cash available to meet short term requirements (9 weeks)
142 weeks - Utmost Life And Pensions Limited
9 weeks - Industry AVG
Debt Level
it has a ratio of liabilities to total assets of 97.1%, this is a similar level of debt than the average (92.6%)
97.1% - Utmost Life And Pensions Limited
92.6% - Industry AVG
UTMOST LIFE AND PENSIONS LIMITED financials
EXPORT
Utmost Life And Pensions Limited's latest turnover from December 2023 is -£6.5 million and the company has net assets of £159.5 million. According to their latest financial statements, Utmost Life And Pensions Limited has 150 employees and maintains cash reserves of £43.3 million 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
Turnover
-6,500,000
-4,700,000
-4,900,000
-8,800,000
-8,700,000
-2,565,000
Other Income Or Grants
Cost Of Sales
-22,782
-31,553
-103,914
-194,803
-330,970
-300,484
Gross Profit
-6,477,218
-4,668,447
-4,796,086
-8,605,197
-8,369,030
-2,264,516
Admin Expenses
-38,022,635
-58,098,623
-76,183,024
-58,670,154
-16,462,714
-9,085,101
10,005
Operating Profit
31,545,417
53,430,176
71,386,938
50,064,957
8,093,684
6,820,585
-10,005
Interest Payable
28,125
19,000
18,750
18,300
1,211,119
1,204,369
Interest Receivable
2,349,375
2,514,750
236,750
76,800
524,843
308,475
10,005
Pre-Tax Profit
33,200,000
56,000,000
71,600,000
50,000,000
7,400,000
5,782,000
Tax
-7,800,000
-10,700,000
-13,600,000
-9,400,000
-1,400,000
-983,000
Profit After Tax
25,400,000
45,300,000
58,000,000
40,600,000
6,000,000
4,799,000
Dividends Paid
Retained Profit
25,400,000
45,300,000
58,000,000
40,600,000
6,000,000
4,799,000
Employee Costs
10,800,000
10,100,000
11,100,000
14,900,000
5,600,000
Number Of Employees
150
137
167
213
199
-19
1
EBITDA*
31,545,417
53,430,176
71,386,938
50,064,957
8,093,684
6,820,585
-10,005
* Earnings Before Interest, Tax, Depreciation and Amortisation
Dec 2023
Dec 2022
Dec 2021
Dec 2020
Dec 2019
Dec 2018
Dec 2017
Tangible Assets
975,600,000
1,038,200,000
1,416,800,000
1,605,500,000
1,136,600,000
978,340,000
Intangible Assets
15,700,000
17,300,000
19,000,000
20,700,000
23,100,000
24,782,000
Investments & Other
Debtors (Due After 1 year)
Total Fixed Assets
991,300,000
1,055,500,000
1,435,800,000
1,626,200,000
1,159,700,000
1,003,122,000
Stock & work in progress
Trade Debtors
1,600,000
1,300,000
1,300,000
2,100,000
500,000
690,000
Group Debtors
Misc Debtors
Cash
43,300,000
46,200,000
97,500,000
91,900,000
61,700,000
78,258,000
4,002,000
misc current assets
11,100,000
11,100,000
11,900,000
12,700,000
11,500,000
11,496,000
total current assets
4,562,700,000
4,598,000,000
5,577,800,000
5,576,200,000
727,500,000
717,587,000
4,002,000
total assets
5,554,000,000
5,653,500,000
7,013,600,000
7,202,400,000
1,887,200,000
1,720,709,000
4,002,000
Bank overdraft
Bank loan
Trade Creditors
4,100,000
3,200,000
4,500,000
5,000,000
700,000
592,000
12,000
Group/Directors Accounts
other short term finances
300,000
200,000
200,000
400,000
200,000
35,685,000
hp & lease commitments
other current liabilities
total current liabilities
15,800,000
16,900,000
26,300,000
38,700,000
15,100,000
45,055,000
12,000
loans
hp & lease commitments
Accruals and Deferred Income
other liabilities
provisions
total long term liabilities
5,378,700,000
5,442,100,000
6,768,200,000
6,947,000,000
1,715,400,000
1,639,954,000
total liabilities
5,394,500,000
5,459,000,000
6,794,500,000
6,985,700,000
1,730,500,000
1,685,009,000
12,000
net assets
159,500,000
194,500,000
219,100,000
216,700,000
156,700,000
35,700,000
3,990,000
total shareholders funds
159,500,000
194,500,000
219,100,000
216,700,000
156,700,000
35,700,000
3,990,000
Dec 2023
Dec 2022
Dec 2021
Dec 2020
Dec 2019
Dec 2018
Dec 2017
Operating Activities
Operating Profit
31,545,417
53,430,176
71,386,938
50,064,957
8,093,684
6,820,585
-10,005
Depreciation
Amortisation
Tax
-7,800,000
-10,700,000
-13,600,000
-9,400,000
-1,400,000
-983,000
Stock
Debtors
300,000
-800,000
1,600,000
-190,000
690,000
Creditors
900,000
-1,300,000
-500,000
4,300,000
108,000
580,000
12,000
Accruals and Deferred Income
Deferred Taxes & Provisions
Cash flow from operations
24,345,417
41,430,176
58,086,938
43,364,957
6,991,684
5,727,585
1,995
Investing Activities
capital expenditure
64,200,000
380,300,000
190,400,000
-466,500,000
-156,578,000
-1,003,122,000
Change in Investments
cash flow from investments
64,200,000
380,300,000
190,400,000
-466,500,000
-156,578,000
-1,003,122,000
Financing Activities
Bank loans
Group/Directors Accounts
Other Short Term Loans
100,000
-200,000
200,000
-35,485,000
35,685,000
Long term loans
Hire Purchase and Lease Commitments
other long term liabilities
share issue
-60,400,000
-69,900,000
-55,600,000
19,400,000
115,000,000
26,911,000
3,990,000
interest
2,321,250
2,495,750
218,000
58,500
-686,276
-895,894
10,005
cash flow from financing
-57,978,750
-67,404,250
-55,582,000
19,658,500
78,828,724
61,700,106
4,000,005
cash and cash equivalents
cash
-2,900,000
-51,300,000
5,600,000
30,200,000
-16,558,000
74,256,000
4,002,000
overdraft
change in cash
-2,900,000
-51,300,000
5,600,000
30,200,000
-16,558,000
74,256,000
4,002,000
utmost life and pensions 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 utmost life and pensions limited. Get real-time insights into utmost life and pensions limited's credit score, group structure and payment trends.
Utmost Life And Pensions Limited Competitor Analysis
Perform a competitor analysis for utmost life and pensions limited by selecting its closest rivals, whether from the FINANCIAL AND INSURANCE ACTIVITIES sector, other micro companies, companies in HP21 area or any other competitors across 12 key performance metrics.
utmost life and pensions limited Ownership
UTMOST LIFE AND PENSIONS LIMITED group structure
Utmost Life And Pensions Limited has no subsidiary companies.
The sole shareholder of Utmost Life And Pensions Limited is Utmost Life & Pensions Holdings Limited.
utmost life & pensions holdings limited
100%
utmost life and pensions limited directors
Utmost Life And Pensions Limited currently has 11 directors.
The longest serving directors include
Mr Andrew Thompson (Jan 2017) and
Mr Ian Maidens (Jan 2017).
utmost life and pensions ltd, walton street, aylesbury, HP21 7QW
Bank
-
Legal Advisor
-
utmost life and pensions 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 utmost life and pensions limited.
utmost life and pensions 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 UTMOST LIFE AND PENSIONS LIMITED. This can take several minutes, an email will notify you when this has completed.
utmost life and pensions limitedCompanies House Filings - See Documents
