Pomanda estimates the enterprise value of FINATIVE FINANCIAL PLANNING LIMITED at £269.3k based on a Turnover of £337k and 0.8x industry multiple (adjusted for size and gross margin).
Pomanda estimates the enterprise value of FINATIVE FINANCIAL PLANNING LIMITED at £2.7k based on an EBITDA of £964 and a 2.76x industry multiple (adjusted for size and gross margin).
Pomanda estimates the enterprise value of FINATIVE FINANCIAL PLANNING LIMITED at £0 based on Net Assets of £-108.5k and 1.31x industry multiple (adjusted for liquidity).
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Finative Financial Planning LimitedOverview
Finative Financial Planning Limited is a live company located in macclesfield, SK10 2XA with a Companies House number of 11012001. It operates in the financial intermediation not elsewhere classified sector, SIC Code 64999. Founded in October 2017, it's largest shareholder is
stamford capital limited
with a 49.5% stake. Finative Financial Planning Limited is a young,
micro sized company, Pomanda has estimated its turnover at
£337k with
declining
growth in recent years.
Pomanda's financial health check has awarded Finative Financial Planning Limited a 1.5 rating. We use a traffic light system to show it exceeds the industry average on 2 measures and has 8 areas for improvement. Company Health Check FAQs
Health Rating1.5out of 5
2 Strong
1 Regular
8 Weak
Size
annual sales of £337k, make it smaller than the average company (£4.8m)
£337k - Finative Financial Planning Limited
£4.8m - Industry AVG
Growth
3 year (CAGR) sales growth of -8%, show it is growing at a slower rate (4%)
-8% - Finative Financial Planning Limited
4% - Industry AVG
Production
with a gross margin of 16.2%, this company has a higher cost of product (57.7%)
16.2% - Finative Financial Planning Limited
57.7% - Industry AVG
Profitability
an operating margin of 0.2% make it less profitable than the average company (9.6%)
0.2% - Finative Financial Planning Limited
9.6% - Industry AVG
Employees
with 6 employees, this is below the industry average (13)
6 - Finative Financial Planning Limited
13 - Industry AVG
Pay Structure
on an average salary of £78.1k, the company has an equivalent pay structure (£78.1k)
£78.1k - Finative Financial Planning Limited
£78.1k - Industry AVG
Efficiency
resulting in sales per employee of £56.2k, this is less efficient (£204.2k)
£56.2k - Finative Financial Planning Limited
£204.2k - Industry AVG
Debtor Days
it gets paid by customers after 15 days, this is earlier than average (33 days)
15 days - Finative Financial Planning Limited
33 days - Industry AVG
Creditor Days
its suppliers are paid after 231 days, this is slower than average (48 days)
231 days - Finative Financial Planning Limited
48 days - Industry AVG
Stock Days
There is insufficient data available for this Key Performance Indicator!
- - Finative Financial Planning Limited
- - Industry AVG
Cash Balance
has cash to cover current liabilities
for 16 weeks, this is less cash available to meet short term requirements (30 weeks)
16 weeks - Finative Financial Planning Limited
30 weeks - Industry AVG
Debt Level
it has a ratio of liabilities to total assets of 253.1%, this is a higher level of debt than the average (69%)
253.1% - Finative Financial Planning Limited
69% - Industry AVG
FINATIVE FINANCIAL PLANNING LIMITED financials
EXPORT
Finative Financial Planning Limited's latest turnover from October 2023 is estimated at £337 thousand and the company has net assets of -£108.5 thousand. According to their latest financial statements, Finative Financial Planning Limited has 6 employees and maintains cash reserves of £56.2 thousand as reported in the balance sheet.
Data source:Companies House, Pomanda Estimates
Oct 2023
Oct 2022
Oct 2021
Oct 2020
Oct 2019
Oct 2018
Turnover
337,046
441,881
284,131
427,340
151,526
156,495
Other Income Or Grants
Cost Of Sales
282,429
366,462
233,737
344,167
123,856
123,521
Gross Profit
54,617
75,419
50,394
83,173
27,669
32,974
Admin Expenses
53,809
78,600
161,441
93,852
24,529
20,494
Operating Profit
808
-3,181
-111,047
-10,679
3,140
12,480
Interest Payable
Interest Receivable
2,058
782
64
80
510
215
Pre-Tax Profit
2,867
-2,399
-110,983
-10,599
3,649
12,695
Tax
-717
-693
-2,412
Profit After Tax
2,150
-2,399
-110,983
-10,599
2,956
10,283
Dividends Paid
Retained Profit
2,150
-2,399
-110,983
-10,599
2,956
10,283
Employee Costs
468,450
588,454
350,748
620,356
139,778
134,379
Number Of Employees
6
8
5
9
2
2
EBITDA*
964
-2,974
-110,772
-10,311
3,629
12,809
* Earnings Before Interest, Tax, Depreciation and Amortisation
Oct 2023
Oct 2022
Oct 2021
Oct 2020
Oct 2019
Oct 2018
Tangible Assets
463
619
826
1,101
1,469
987
Intangible Assets
Investments & Other
Debtors (Due After 1 year)
Total Fixed Assets
463
619
826
1,101
1,469
987
Stock & work in progress
Trade Debtors
14,229
34,113
32,616
16,978
Group Debtors
Misc Debtors
Cash
56,166
22,246
47,276
81,229
78,675
57,258
misc current assets
total current assets
70,395
56,359
79,892
98,207
78,675
57,258
total assets
70,858
56,978
80,718
99,308
80,144
58,245
Bank overdraft
Bank loan
Trade Creditors
179,349
167,619
188,961
96,568
66,805
47,862
Group/Directors Accounts
other short term finances
hp & lease commitments
other current liabilities
total current liabilities
179,349
167,619
188,961
96,568
66,805
47,862
loans
hp & lease commitments
Accruals and Deferred Income
other liabilities
provisions
total long term liabilities
total liabilities
179,349
167,619
188,961
96,568
66,805
47,862
net assets
-108,491
-110,641
-108,243
2,740
13,339
10,383
total shareholders funds
-108,491
-110,641
-108,243
2,740
13,339
10,383
Oct 2023
Oct 2022
Oct 2021
Oct 2020
Oct 2019
Oct 2018
Operating Activities
Operating Profit
808
-3,181
-111,047
-10,679
3,140
12,480
Depreciation
156
207
275
368
489
329
Amortisation
Tax
-717
-693
-2,412
Stock
Debtors
-19,884
1,497
15,638
16,978
Creditors
11,730
-21,342
92,393
29,763
18,943
47,862
Accruals and Deferred Income
Deferred Taxes & Provisions
Cash flow from operations
31,861
-25,813
-34,017
2,474
21,879
58,259
Investing Activities
capital expenditure
-971
-1,316
Change in Investments
cash flow from investments
-971
-1,316
Financing Activities
Bank loans
Group/Directors Accounts
Other Short Term Loans
Long term loans
Hire Purchase and Lease Commitments
other long term liabilities
share issue
1
100
interest
2,058
782
64
80
510
215
cash flow from financing
2,058
783
64
80
510
315
cash and cash equivalents
cash
33,920
-25,030
-33,953
2,554
21,417
57,258
overdraft
change in cash
33,920
-25,030
-33,953
2,554
21,417
57,258
finative financial planning 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 finative financial planning limited. Get real-time insights into finative financial planning limited's credit score, group structure and payment trends.
Perform a competitor analysis for finative financial planning limited by selecting its closest rivals, whether from the FINANCIAL AND INSURANCE ACTIVITIES sector, other micro companies, companies in SK10 area or any other competitors across 12 key performance metrics.
finative financial planning limited Ownership
FINATIVE FINANCIAL PLANNING LIMITED group structure
Finative Financial Planning Limited has no subsidiary companies.
Ultimate parent company
FINATIVE FINANCIAL PLANNING LIMITED
11012001
FINATIVE FINANCIAL PLANNING LIMITED Shareholders
The largest shareholders in Finative Financial Planning Limited include Stamford Capital Limited and Ian Pollock.
stamford capital limited
49.51%
ian pollock
20.39%
thomas edward barrass
20.39%
gordon robert charles wallace
9.71%
finative financial planning limited directors
Finative Financial Planning Limited currently has 2 directors.
The longest serving directors include
Mr Andrew Teeman (Oct 2017) and
Mr Andrew Teeman (Aug 2023).
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 finative financial planning limited.
finative financial planning 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.
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finative financial planning limitedCompanies House Filings - See Documents
