insure life limited
insure life limited Company Information
Company Number
12014990
Next Accounts
Jun 2026
Shareholders
gms investment group limited
mr adam michael kirkham
View AllGroup Structure
View All
Industry
Life insurance
Registered Address
4 alvaston business park, middlewich road, nantwich, cheshire, CW5 6PF
Website
insurelifegroup.co.ukinsure life limited Estimated Valuation
Pomanda estimates the enterprise value of INSURE LIFE LIMITED at £41.2k based on a Turnover of £74.9k and 0.55x industry multiple (adjusted for size and gross margin).
insure life limited Estimated Valuation
Pomanda estimates the enterprise value of INSURE LIFE LIMITED at £0 based on an EBITDA of £-19.3k and a 5.81x industry multiple (adjusted for size and gross margin).
insure life limited Estimated Valuation
Pomanda estimates the enterprise value of INSURE LIFE LIMITED at £69.5k based on Net Assets of £42.2k and 1.65x industry multiple (adjusted for liquidity).
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Insure Life Limited Overview
Insure Life Limited is a live company located in nantwich, CW5 6PF with a Companies House number of 12014990. It operates in the life insurance sector, SIC Code 65110. Founded in May 2019, it's largest shareholder is gms investment group limited with a 42.5% stake. Insure Life Limited is a young, micro sized company, Pomanda has estimated its turnover at £74.9k with healthy growth in recent years.
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Insure Life Limited Health Check
Pomanda's financial health check has awarded Insure Life Limited a 4 rating. We use a traffic light system to show it exceeds the industry average on 4 measures and has 5 areas for improvement. Company Health Check FAQs
4 Strong
2 Regular
5 Weak
Size
annual sales of £74.9k, make it smaller than the average company (£1.4m)
- Insure Life Limited
£1.4m - Industry AVG
Growth
3 year (CAGR) sales growth of 6%, show it is growing at a slower rate (10.9%)
- Insure Life Limited
10.9% - Industry AVG
Production
with a gross margin of 97.8%, this company has a comparable cost of product (97.8%)
- Insure Life Limited
97.8% - Industry AVG
Profitability
an operating margin of -28.1% make it less profitable than the average company (7.4%)
- Insure Life Limited
7.4% - Industry AVG
Employees
with 4 employees, this is below the industry average (16)
4 - Insure Life Limited
16 - Industry AVG
Pay Structure
on an average salary of £61.6k, the company has an equivalent pay structure (£61.6k)
- Insure Life Limited
£61.6k - Industry AVG
Efficiency
resulting in sales per employee of £18.7k, this is less efficient (£143.3k)
- Insure Life Limited
£143.3k - Industry AVG
Debtor Days
it gets paid by customers after 0 days, this is earlier than average (226 days)
- Insure Life Limited
226 days - Industry AVG
Creditor Days
its suppliers are paid after 921 days, this is slower than average (42 days)
- Insure Life Limited
42 days - Industry AVG
Stock Days
There is insufficient data available for this Key Performance Indicator!
- Insure Life Limited
- - Industry AVG
Cash Balance
has cash to cover current liabilities for 132 weeks, this is more cash available to meet short term requirements (10 weeks)
132 weeks - Insure Life Limited
10 weeks - Industry AVG
Debt Level
it has a ratio of liabilities to total assets of 44%, this is a lower level of debt than the average (90.2%)
44% - Insure Life Limited
90.2% - Industry AVG
INSURE LIFE LIMITED financials
Insure Life Limited's latest turnover from September 2024 is estimated at £74.9 thousand and the company has net assets of £42.2 thousand. According to their latest financial statements, Insure Life Limited has 4 employees and maintains cash reserves of £66.7 thousand as reported in the balance sheet.
Data source: Companies House, Pomanda Estimates
| Sep 2024 | Sep 2023 | Sep 2022 | Sep 2021 | Sep 2020 | |
|---|---|---|---|---|---|
| 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 | 4 | 4 | 3 | 4 | 4 |
| EBITDA* |
* Earnings Before Interest, Tax, Depreciation and Amortisation
| Sep 2024 | Sep 2023 | Sep 2022 | Sep 2021 | Sep 2020 | |
|---|---|---|---|---|---|
| Tangible Assets | 5,312 | 1,349 | 326 | 959 | 1,475 |
| Intangible Assets | |||||
| Investments & Other | |||||
| Debtors (Due After 1 year) | |||||
| Total Fixed Assets | 5,312 | 1,349 | 326 | 959 | 1,475 |
| Stock & work in progress | |||||
| Trade Debtors | 150 | 125 | |||
| Group Debtors | |||||
| Misc Debtors | 3,232 | 331 | 296 | ||
| Cash | 66,685 | 111,487 | 107,470 | 113,516 | 97,296 |
| misc current assets | |||||
| total current assets | 70,067 | 111,818 | 107,766 | 113,641 | 97,296 |
| total assets | 75,379 | 113,167 | 108,092 | 114,600 | 98,771 |
| Bank overdraft | 4,167 | ||||
| Bank loan | 9,829 | 9,586 | |||
| Trade Creditors | 4,087 | 608 | 156 | 142 | 811 |
| Group/Directors Accounts | 51,042 | ||||
| other short term finances | 10,332 | 10,077 | |||
| hp & lease commitments | |||||
| other current liabilities | 11,705 | 23,796 | 36,068 | 33,829 | 23,115 |
| total current liabilities | 26,124 | 34,481 | 46,053 | 43,557 | 79,135 |
| loans | 7,033 | 17,365 | 27,442 | 37,271 | 45,833 |
| hp & lease commitments | |||||
| Accruals and Deferred Income | |||||
| other liabilities | |||||
| provisions | |||||
| total long term liabilities | 7,033 | 17,365 | 27,442 | 37,271 | 45,833 |
| total liabilities | 33,157 | 51,846 | 73,495 | 80,828 | 124,968 |
| net assets | 42,222 | 61,321 | 34,597 | 33,772 | -26,197 |
| total shareholders funds | 42,222 | 61,321 | 34,597 | 33,772 | -26,197 |
| Sep 2024 | Sep 2023 | Sep 2022 | Sep 2021 | Sep 2020 | |
|---|---|---|---|---|---|
| Operating Activities | |||||
| Operating Profit | |||||
| Depreciation | 1,793 | 872 | 405 | 516 | 742 |
| Amortisation | |||||
| Tax | |||||
| Stock | |||||
| Debtors | 3,051 | 35 | 171 | 125 | |
| Creditors | 3,479 | 452 | 14 | -669 | 811 |
| Accruals and Deferred Income | -12,091 | -12,272 | 2,239 | 10,714 | 23,115 |
| Deferred Taxes & Provisions | |||||
| Cash flow from operations | |||||
| Investing Activities | |||||
| capital expenditure | |||||
| Change in Investments | |||||
| cash flow from investments | |||||
| Financing Activities | |||||
| Bank loans | -9,829 | 243 | 9,586 | ||
| Group/Directors Accounts | -51,042 | 51,042 | |||
| Other Short Term Loans | 255 | 10,077 | |||
| Long term loans | -10,332 | -10,077 | -9,829 | -8,562 | 45,833 |
| Hire Purchase and Lease Commitments | |||||
| other long term liabilities | |||||
| share issue | |||||
| interest | |||||
| cash flow from financing | |||||
| cash and cash equivalents | |||||
| cash | -44,802 | 4,017 | -6,046 | 16,220 | 97,296 |
| overdraft | -4,167 | 4,167 | |||
| change in cash | -44,802 | 4,017 | -6,046 | 20,387 | 93,129 |
insure life limited Credit Report and Business Information
Insure Life Limited Competitor Analysis
Perform a competitor analysis for insure life limited by selecting its closest rivals, whether from the FINANCIAL AND INSURANCE ACTIVITIES sector, other micro companies, companies in CW5 area or any other competitors across 12 key performance metrics.
insure life limited Ownership
INSURE LIFE LIMITED group structure
Insure Life Limited has no subsidiary companies.
insure life limited directors
Insure Life Limited currently has 3 directors. The longest serving directors include Mr David Clapp (May 2019) and Mr Adam Kirkham (Aug 2019).
| officer | country | age | start | end | role |
|---|---|---|---|---|---|
| Mr David Clapp | United Kingdom | 49 years | May 2019 | - | Director |
| Mr Adam Kirkham | United Kingdom | 44 years | Aug 2019 | - | Director |
| Mr John Stephenson | United Kingdom | 52 years | Aug 2019 | - | Director |
P&L
September 2024turnover
74.9k
-80%
operating profit
-21.1k
0%
gross margin
97.9%
-1.5%
turnover
Turnover, or revenue, is the amount of sales generated by a company within the financial year.
Balance Sheet
September 2024net assets
42.2k
-0.31%
total assets
75.4k
-0.33%
cash
66.7k
-0.4%
net assets
Total assets minus all liabilities
insure life limited company details
company number
12014990
Type
Private limited with Share Capital
industry
65110 - Life insurance
incorporation date
May 2019
age
6
incorporated
UK
ultimate parent company
accounts
Total Exemption Full
last accounts submitted
September 2024
previous names
N/A
accountant
-
auditor
-
address
4 alvaston business park, middlewich road, nantwich, cheshire, CW5 6PF
Bank
-
Legal Advisor
-
insure life 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 insure life limited.
insure life 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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insure life limited Companies House Filings - See Documents
| date | description | view/download |
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